Faith & Finance

Faith shapes every part of life—not only what we believe, but how we spend, save, invest, and give. Every financial decision reveals something about what we value, trust, and treasure most. That’s why conversations about money are never just about budgets or balances; they’re deeply spiritual. Today, Afton Phillips, our Head of Content at FaithFi , joins the show to talk about how our faith reshapes the way we steward God’s resources. This conversation grew out of our upcoming 21-day devotional, Our Ultimate Treasure , and the themes behind it. The Heart Behind the New Devotional Afton has been shaping this project from its earliest concept to its final pages. She shared that when she first joined FaithFi , she longed for a place where people could revisit core biblical principles—not simply hear them once, but reflect on them deeply. “Money isn’t just about math,” Afton said. “It’s really about our hearts.” The devotional walks readers through foundational truths: God owns it all. Money issues are heart issues. Our financial lives are deeply connected to our spiritual formation. If that’s true, then what we need isn’t a formula—it’s space with God. Scripture. Prayer. Reflection. This devotional is designed to help readers slow down long enough to allow God to reshape how they see and handle money. Redefining Success: What We Surrender, Not What We Store One of the early themes in Our Ultimate Treasure is the truth that God doesn’t measure success by what we store up, but by what we surrender. We’re all tempted to believe that just a little more —more savings, more security, more achievement—will finally bring peace. But no amount of accumulation ever delivers the rest our souls crave. True biblical success is about formation more than finances. Are we growing in Christlikeness? Are the fruits of the Spirit becoming more evident in our lives? Are we learning to let go of fear, control, and comfort so God can shape us? When surrender becomes the lens, money stops being a monument to ourselves and becomes a tool for becoming more like Jesus. Restoring Purpose in Our Work Another key section of the devotional explores a truth we often forget: work is not a curse—it’s a calling. From the very beginning, God designed work as something good. Not something we merely do to earn or survive, but something through which we participate in His redemptive mission. Your desk, job site, classroom, or kitchen table isn’t just a workplace—it’s holy ground. Your work is one of the primary arenas where God shapes your character and blesses others through you. Why Margin Matters for Faithful Stewardship Margin is one of the most important threads running through the entire devotional. Afton put it simply: “Margin creates space for God to move.” When we max out: our money our time our energy We leave no room to listen, pause, or respond to God’s leading. Margin isn’t restrictive. It’s freeing. It enables generosity, rest, trust, and wise decision-making. It’s one of the clearest marks of faithful stewardship. The Power of Wise Counsel Money can feel personal—sometimes even private. But Scripture is clear: we’re not meant to navigate finances alone. Every day, callers to our program remind us how many people long for guidance, encouragement, and clarity. That’s why we devoted an entire day in the devotional to seeking wise counsel. Afton shared: “When we invite wise counsel into our lives, we begin to see things we might have missed.” That’s also why Certified Kingdom Advisors (CKA) exist—to help believers apply biblical principles to their real-life financial situations. You can find one at FindaCKA.com . Generosity Rooted in Grace, Not Guilt If there’s a single thread that runs through the whole devotional, it’s generosity. But not guilt-driven generosity. Grace-driven generosity. We give because God has first given to us—lavishly, sacrificially, joyfully. When we understand His grace, generosity becomes something we get to do, not something we feel pressured into. Every act of giving becomes an act of worship. A Devotional Designed for Reflection, Beauty, and Formation One of the most unique aspects of Our Ultimate Treasure is its built-in rhythm of reflection. Each day includes: Scripture A devotional Guided reflection questions A written prayer Beautiful, thoughtful imagery The artwork itself invites contemplation. Everyday images—like a simple desk—are visually transformed to reflect biblical truth, reminding readers that God reshapes the way we see everything, even our work and money. This devotional was designed not just to be read, but to be experienced. Finishing with What Truly Lasts: Eternal Rewards The final day draws us back to what matters most: our ultimate treasure is Christ Himself. Earthly wealth fades. Opportunities change. Seasons shift. But our life in Christ—His presence, His love, His Kingdom—endures forever. Afton summed it up beautifully: “What are we investing in that will matter in a thousand years? Th

As the year winds down, most of us feel the crunch of holiday travel, family gatherings, and a calendar that fills up faster than we expect. But this season also offers something incredibly valuable: a natural pause. A moment to look back, look ahead, and make sure our financial lives still reflect the things—and the people—we care about most. To help us think through this year-end reset, we sat down with Cole Pearson, President of Investment Solutions at OneAscent , a family of companies committed to helping believers invest in alignment with biblical values. Cole shares practical, hope-filled steps to set your finances on a firm footing as you head into a new year. Start With What Matters Most: Your Values Before crunching numbers or updating accounts, Cole suggests beginning with the why behind your financial decisions. “As the year winds down,” he says, “it’s the perfect time to pause and make sure our financial life still reflects our actual life—our goals and values.” This is the heart of wise stewardship. Money isn’t the goal; it’s a tool. And when our tools aren’t aligned with what matters most, our decisions can drift. Cole encourages families to sit down—whether with a spouse, children, or even a financial advisor—and ask a simple but powerful question: “What is most important for us to reflect through our financial life?” These conversations reconnect us with the things God has entrusted to us: people, opportunities, relationships, and resources. When your values are clear, your financial decisions begin to tell a consistent story. The Three Lenses for a Year-End Checkup To help families gain clarity, OneAscent uses three helpful “lenses” that offer a holistic view of stewardship. Each one enables you to assess where you are and where God may be inviting you to grow. 1. Perspectives: How You Think and Feel About Money Every financial decision begins with a mindset. Do you naturally want to give? Save? Spend? Invest? None of these instincts is wrong—money is simply a tool. But understanding how God has wired you helps you use that tool intentionally rather than reactively. 2. Priorities: What Matters Most to Your Family Once your perspectives are clear, it’s time to identify your priorities. Is this season about legacy? Providing stability for your family? Creating margin for relationships? Leaning more fully into generosity? “When you know your top priorities,” Cole says, “you can give every dollar a job. It brings focus and direction to your plan.” 3. Milestones: What’s Changing in Your Life? The end of the year is a great time to reflect on transitions: A new job A retirement A new child or grandchild A loss in the family A health change Life transitions always put money in motion. Recognizing them early allows you to adjust your financial plan before drifting off course. Together, perspectives, priorities, and milestones provide a complete picture of your financial health—and help ensure your plans align with your values. Preparing for the Year Ahead Through Intentional Generosity For many families, generosity naturally comes up during year-end reflections. The holidays remind us that giving is both worship and witness—an expression of God’s grace through us. Cole encourages families to approach generosity as intentionally as investing. “Whether you’re investing or giving,” he says, “we think of both as investing God’s resources. We want all of it moving in the same direction—reflecting the same values.” Talking about generosity as a family: Fosters unity Clarifies your shared purpose Creates a legacy of open-handed living This is a season when many families give. But it’s also the perfect time to ask: “How can our giving reflect what we believe most deeply?” Considering Faith-Based Investing in 2026 Some listeners may be feeling a nudge toward Faith-Based Investing in the coming year. If so, Cole suggests an easy first step: screen your current portfolio. “Start by asking what you’re invested in that may not align with your faith,” he says. Screening helps identify areas where your dollars are unintentionally supporting companies or causes that conflict with biblical values. From there, you can begin redirecting your investments toward companies that create blessing, contribute to human flourishing, and reflect God’s heart. This simple exercise can lead to a powerful sense of alignment between your faith and your finances. Explore Values-Aligned Investing With OneAscent OneAscent exists to help believers invest with clarity and conviction—directing capital toward companies that make a positive impact and reflect biblical values. To learn more or begin screening your own portfolio, visit: OneAscent.com/FaithFi . It’s a great next step as you prepare to start a new year with purpose, unity, and renewed stewardship. On Today’s Program, Rob Answers Listener Questions: I’ve been offered a small settlement after several years of litigation. My attorney recommends taking it rather than dragging thin

New tax laws are on the horizon—and they could significantly influence the way you give. The recently passed One Big, Beautiful Bill Act (often shortened to the OBBBA) introduces several changes that affect charitable givers today and in the years to come. To help unpack these shifts, we sat down with Bruce McKee, attorney and Senior Vice President of Complex Gifts at the National Christian Foundation (NCF) . What the OBBBA Actually Does Despite its cheerful name, the OBBBA carries serious implications for donors. Bruce explains that the bill makes permanent many provisions that were originally scheduled to expire at the end of 2025 under the 2017 Tax Cuts and Jobs Act. Key extensions include: Higher standard deductions Higher estate tax exclusions New deduction floors for charitable gifts A new limit on itemized deductions Extended business deductions Updated rules for university endowment taxes These changes will affect different givers differently, but nearly everyone will feel the impact of the new standard deduction. The Standard Deduction Gets Bigger—Again This update alone affects roughly 90% of taxpayers. The OBBBA permanently extends the increased standard deduction and even boosts it for the 2025 tax year: Individuals: $15,750 Married couples filing jointly: $31,500 Because the standard deduction is now higher, fewer people will itemize. And when giving is lumped under the standard deduction, charitable gifts are no longer deductible. But there’s a powerful workaround. If you want to maximize your tax benefits while maintaining your giving rhythms, “bunching” can help. Bunching means: Grouping several years’ worth of charitable gifts into a single tax year Itemizing in that year, instead of taking the standard deduction Using a donor-advised fund (DAF)—such as an NCF Giving Fund —to distribute gifts gradually over future years A giving fund works like a charitable checking account—a powerful tool for strategic, tax-efficient generosity. Bunching is especially impactful when paired with gifts of appreciated assets. New Charitable Deduction Floors Coming in 2026 Beginning in 2026, charitable deductions will include a “floor”—a small portion of giving that won’t be deductible at all. For Individuals Only the amount of charitable giving above 0.5% of your Adjusted Gross Income (AGI) will be deductible. Here’s an example: AGI = $200,000 0.5% floor = $1,000 Whether you give $20,000 or $40,000, the first $1,000 is not deductible. For Corporations A similar rule applies, but the floor is 1% of taxable income. Why This Matters This floor means that givers with large AGIs—especially in high-income years—should consider giving earlier, before 2026 arrives. Strategic timing will matter more than ever. Even high-capacity donors who itemize may benefit from bunching in alternating years. New Limits on Itemized Deductions The OBBBA also introduces a “haircut” affecting all itemized deductions—not just charitable ones. Because the highest tax bracket (37%) is now permanent, itemized deductions typically reduce income taxed at that rate. But beginning in 2026: Deductions in the highest bracket will be valued at 35 cents per dollar, not 37. It’s a relatively small shift, but it slightly increases tax liability and adds another layer of planning complexity. Once again, Bruce recommends intentionally reviewing giving strategies before the 2025 year closes. Estate and Gift Tax Exclusions: Higher and More Stable The OBBBA also stabilizes estate planning by raising the estate and gift tax exemption to: $15 million per individual $30 million for married couples These thresholds—once set to sunset back to near half—are now permanent (as permanent as tax law can be). This gives families greater clarity as they plan inheritances and consider charitable tools like trusts or family foundations. When people settle their estate planning, it often helps them focus their hearts on where God is calling them to give—what Ron Blue usually describes as “giving while you’re living so you’re knowing where it’s going.” Good News for Non-Itemizers: The Above-the-Line Charitable Deduction Returns Beginning soon, non-itemizers will be able to deduct modest charitable amounts: $1,000 for individuals $2,000 for married couples filing jointly This applies to cash gifts made to churches and public charities. It’s a welcome incentive for households that rely on the standard deduction. Navigating Change with Wisdom The tax landscape may shift, but God’s call to generosity never does. Thoughtful planning ensures you can give joyfully, efficiently, and impactfully. If you want to steward God's resources with greater intentionality, a Giving Fund through the National Christian Foundation can help you: Maximize tax benefits Simplify your giving Support ministries you love Invest funds for future generosity You can open one in just a few minutes at FaithFi.com/NCF . On Today’s Program, Rob Answers Listener Questions: My husband and I are turning 68 a

When hope is tied only to a desired outcome, disappointment becomes inevitable. Katherine Wolf knows this truth more personally than most. At just 26, with a newborn in her arms and a lifetime ahead of her, she suffered a massive and unexpected stroke that changed everything. Today, through her writing, speaking, and nonprofit ministry Hope Heals , Katherine invites others into a deeper, sturdier hope—one that can withstand even the darkest valleys. On today’s show, she joins us to share her journey: how suffering reshaped her faith, her understanding of God’s goodness, and even her family’s finances. A Life Forever Changed In 2008, without warning or symptoms, Katherine experienced a catastrophic brainstem stroke caused by a congenital condition she never knew she had—an arterial venous malformation (AVM). Overnight, she went from fully able-bodied to fighting for her life. A 16-hour surgery saved her, but her new reality included significant impairments. Today, she uses a wheelchair, has facial paralysis, reduced function in her right hand, and additional physical limitations. Still, she radiates joy and purpose. “ I did live—and I’m doing great, ” she says with her trademark resilience. Katherine describes the stroke as the moment “the pebble hit the metal” —a collision between everything she had learned about Jesus and the hardest chapter of her life. Years of Scripture, sermons, prayer, and discipleship prepared her for a moment she never imagined. “ This is no longer a drill, ” she remembers telling herself. Her long walk with Christ, though imperfect, had built a foundation strong enough to stand when everything else fell apart. In her memoir Hope Heals , she writes that suffering is not the end of the story—but the beginning of a new one. Christian hope does not deny pain; it declares that pain will not have the final word. Katherine’s more recent book, Treasures in the Dark , draws from Isaiah 45:3—God’s promise to give “hidden treasure” in the shadows of our lives so we might know Him more deeply. “If we must walk through darkness—and we all do at some point—why not gather the treasure God has placed there?” she asks. In other words, don’t waste your pain. Let God use it to form you, deepen you, and show you His faithfulness in ways comfort never could. Hope Heals: A Ministry Born from Suffering One of the greatest treasures to emerge from Katherine’s hardship is Hope Heals , the nonprofit she and her husband, Jay, founded. Hope Heals Camp Their flagship outreach is a fully scholarship-supported summer camp for families affected by disability. Guests experience rest, community, and the love of Christ through what Katherine calls “inter-ability community”—people with and without disabilities sharing life together. Volunteers and families leave forever changed. The joy is contagious. Mend Coffee Shop In Atlanta’s Buckhead neighborhood, Hope Heals also operates Mend , a universally accessible coffee shop that employs people with disabilities and creates a space where everyone belongs. Katherine describes both initiatives as “glorious,” a word she uses often—and always with delight. The Financial Realities of Suffering Medical crises don’t just affect the body; they often reshape a family’s finances. Katherine knows this firsthand. When disability or sudden illness enters a story, she notes, “ the finances can be ravaged. ” Many families drain savings, take on debt, or scramble to fund treatments and therapies. But Katherine also speaks about “invisible wheelchairs” —the unseen burdens that hold people back. Financial instability, she says, can be one of the most crippling. Her encouragement? Everyone carries some kind of hardship. You are not alone. God gives us community and wisdom so we don’t walk these valleys in isolation. For Katherine, surrender has become a central theme of her spiritual life, including how she views money. “Surrender is relief,” she says. “It’s not God binding us up—it’s letting Him take the wheel.” This posture doesn’t magically erase financial challenges, but it reframes them. It anchors us in trust rather than fear. And it reminds us that provision comes from God, not our own strength. Hope for Anyone Facing Uncertainty Katherine’s story speaks to those walking through overwhelming medical challenges—but her final encouragement reaches everyone, regardless of circumstances. Trusting God means you don’t have to live afraid of what may happen next. Your circumstances may feel anything but okay, but when Christ lives in you, the deepest good in your life is already secure. “The good things of God,” she says, “are not external—they’re inside of you when you know Him.” That truth allows us to face uncertainty with confidence, surrender our financial fears, and discover a hope that holds—no matter the storm. Learn More To explore Katherine’s ministry or support her work, visit HopeHeals.com . If you're near Atlanta, stop by Mend coffee shop in Buckhead—a place of belonging, beau

We check the markets often—but how often do we check our hearts? Most of us approach investing with calculators, not character. Yet Scripture calls us to a deeper way. What if investing isn’t just a financial activity but a spiritual practice—one that shapes who we’re becoming? Tim McCready, Head of Global Advisory at BrightLight (part of the Eversource Wealth Advisors team), has been helping both Kingdom Advisors and FaithFi develop a theological framework for investing that aligns our portfolios—and our hearts—with God’s purposes. His recent work explores how timeless spiritual disciplines can transform how believers think about investing. Why Investing Requires a Spiritual Lens Tim begins with Jesus’ words in Matthew 6: “Where your treasure is, there your heart will be also.” That’s not just a warning—it’s an insight into spiritual formation. “Our investment decisions aren’t just a reflection of faithfulness,” Tim says. “They’re shaping who we’re becoming as we seek to be like Jesus.” When we invite God into our investment decisions, investing becomes more than strategy—it becomes worship. It becomes one more place where we ask God to form us into faithful stewards. The Ignatian Prayer of Examen—For Investors One of the most compelling ideas Tim introduces is applying the historic Ignatian prayer of examen to our portfolios. For centuries, believers have ended their day with this reflective practice—examining God’s presence, confessing sin, noticing grace, and preparing for tomorrow. Tim suggests: What if investors practiced something similar? Rather than viewing portfolios strictly through analysis or performance, the examen helps us approach them with discernment, surrender, and spiritual attentiveness. Step One: Gratitude Gratitude quiets the noise and recenters us on God’s generosity. Before looking at performance or market movements, Tim encourages investors to pause and thank God for His provision. It might sound something like: “Heavenly Father, thank You for the gifts You’ve entrusted to me—including my investment portfolio. Speak to me about my stewardship, challenge me, and remind me of Your faithfulness as I draw near to You.” Gratitude reframes everything. It reminds us that portfolios are gifts to steward—not trophies to admire nor securities to cling to. Step Two: Review Just as the daily examen invites believers to review their day, the investing examen invites us to review each line of our portfolio with prayerful reflection. This simple discipline lifts our eyes beyond numbers to the impact our investments have on people, communities, and the world. As Tim notes, “We may find both joy and conviction—joy where God is pleased, and invitation where He’s calling us to change.” Step Three: Repentance and Renewal This is where the examen moves from reflection to transformation. Perhaps we discover that we’ve placed too much security in our portfolio. Perhaps a certain investment feels misaligned with God’s desires. Perhaps God prompts us toward greater generosity. Repentance helps us acknowledge these areas honestly—and renewal invites us to receive God’s forgiveness and step forward in faith. A simple prayer might be: “Gracious Provider, rule over every part of my life, including my investments. Forgive me for trusting wealth over You. Give me courage to act where You lead, and joy in following Your plan for my life.” This step reorients our trust away from the market and back toward the One who “owns the cattle on a thousand hills.” (Psalm 50:10) Step Four: Community and Accountability Though investing can feel private, it was never meant to be isolated . We grow best in community. Sharing a budget or portfolio with a trusted friend or mentor is humbling—but powerful. Accountability exposes blind spots, clarifies values, and encourages faithfulness. Whether through a small group, a stewardship class, or a community like the FaithFi app , transparency invites God’s wisdom through God’s people. Step Five: Fasting from Market Noise We live in an era of constant market updates, by the day, hour, and minute. Tim points out that this flood of data gives the illusion of control while feeding anxiety. A spiritual practice of “fasting” from market noise—checking less often, turning off notifications, stepping back from constant updates—helps us rest in God’s provision instead of reacting to every market swing. Jesus’ question echoes here: “Who of you by worrying can add a single hour to his life?” (Matthew 6:27) Or, as Tim puts it, “add a single cent to your portfolio?” Step Six: Service Spiritually formed investors naturally turn outward. Financial experience is a gift meant to serve others—whether through mentoring, teaching budgeting, serving on a church finance committee, or helping younger believers develop healthy habits. Service transforms stewardship from something we manage to something we multiply . A Holistic Vision of Faithful Investing When we bring together gratitude, review, repentance

When two faith-based financial institutions come together, the goal isn’t simply to grow in size—it’s to grow in Kingdom impact. That’s precisely what’s taking place with the launch of AdelFi Christian Banking , a newly unified identity shaped by a shared mission to honor Christ and serve His people. Recently, we sat down with Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking , to talk about how this merger came together, why the new name matters, and what it means for Christians who want their finances to reflect their faith. A New Identity Rooted in Scripture According to Caid, the new name is much more than rebranding—it’s a declaration of purpose. “Our new name and identity are a visual representation of what we desire to accomplish with the merger,” he explains. The name AdelFi is derived from the Greek word adelphos, which is used more than 300 times in the New Testament to describe brothers and sisters in Christ. “That’s who we are,” Caid says. “Staff, members, and ministries—coming together as a family of believers to build a financial institution centered on Christ and dedicated to advancing God’s Kingdom.” The addition of the phrase “Christian Banking” is equally intentional—a bold statement about who they serve and the mission that drives them. The merger was completed on December 1, and throughout 2026, AdelFi Christian Banking will progressively roll out its new brand identity. Milestones include a new website in Q2 and an enhanced digital banking experience in Q3. Combining Strengths for Greater Kingdom Impact What happens when two long-standing Christian credit unions combine their gifts and experience? Caid says the result is far more powerful than the sum of its parts. Both AdelFi and Christian Community Credit Union (CCCU) bring decades of ministry-focused service—over 125 years combined. Each also carries a unique tradition of generosity: AdelFi tithes 10% of its earnings to Christian ministries and mission-sending organizations. CCCU donates a portion of every debit and credit card swipe to Christian causes—over $6.5 million given to date. “Together, we will amplify our giving,” Caid notes. “And with our union, we will form the nation’s largest Christian credit union, creating a digital-forward banking experience that honors God and meets members wherever they are.” The merger also expands lending capacity for churches, ministries, and Christian businesses—allowing more Kingdom-minded projects to flourish. Strengthening the Christian Banking Movement Christian banking is still a small, often overlooked sector. But Caid believes this merger marks a turning point. “Most Americans don’t even know a Christian banking option exists,” he says. “By merging, we’re aligning resources to create more awareness, more growth, and more impact.” With AdelFi Christian Banking emerging as the clear leader in this space, Caid hopes believers increasingly see banking as an area of stewardship—not just convenience. “Our desire is to be the go-to financial solution for Christ followers who seek to align their finances with their faith,” he says. “We want to help steward God’s resources to His glory.” Why Christian Banking Is Countercultural—and Needed Caid acknowledges that choosing a Christian financial institution is, in many ways, a countercultural move. “We’ve seen a major shift among Christians who are fed up with secular banks using their funds for causes that don’t align with their values,” he explains. Believers want their money—God’s money—to be managed with integrity and used to advance gospel-centered work. “That’s why we’re boldly stating there is a quality alternative,” Caid says. “A place where your finances are stewarded in ways that reflect biblical priorities, not worldly ones.” The creation of AdelFi Christian Banking reflects a unified vision, a strengthened mission, and a renewed commitment to serving Christ’s people well. For those seeking to align their financial lives with their faith, this merger offers a meaningful way forward. To learn more about AdelFi Christian Banking or explore opening an account, visit: FaithFi.com/Banking . On Today’s Program, Rob Answers Listener Questions: I was offered a $45,000 loan at 8.675% for 20 years. I could use it to pay off two loans—one at 10.44% and one at 9.84%—and still have $15,000 left over. If I then put an extra $300 a month toward the new loan, is this a good deal? I’m 65 with a little over $1 million in a traditional IRA. Should I start converting some of it to a Roth before I have to take RMDs at 73? I budgeted $25,000 for a remodel. The contractor offered 0% financing for 72 months, bringing the cost to $21,000 with a $3,000 down payment—or I could pay cash and get an extra 5% discount by putting $6,000 down. Should I take the 0% option to keep more cash on hand? And will it affect my credit score? We owe $56,000 on our mortgage. I could pull from my retirement to pay it off, but that would nearly drain the account. Would

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn’t a badge of honor. It’s a warning light. When life feels out of balance, it may be a sign we’re pushing beyond the limits God lovingly designed for our good. Today, we sat down with Carey Nieuwhof —pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor , leadership expert, and host of the Carey Nieuwhof Leadership Podcast , as well as the founding pastor of Connexus Church —to talk about how Christians can pursue biblical rest and renewed purpose. Carey’s insights come not from theory, but from the deepest valley of personal experience. When Success Masks Exhaustion Carey’s story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing. After returning from a high-profile speaking event, Carey hit a wall: “It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.” People around him saw the signs. He didn’t. And that’s often the story behind burnout—others notice the warning lights long before we do. Carey describes burnout as “the gap between what you’re capable of and what you’re carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation. Yet today, two decades later, he leads a much larger platform with far more influence— without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus. Managing Energy, Not Just Time Many Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls. Every person has what Carey calls a “green zone” —a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it’s morning. For others, it might be midday or evening. His challenge is simple: Do what you’re best at when you’re at your best. When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners. Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness. Carey explains: Saying yes to every request eventually forces you to say no to the people who matter most. Delegation is a spiritual discipline. Some opportunities, even good ones, don’t align with God’s call in a particular season. By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years. Rest Is Not a Reward—It’s Design For many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling. Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court. Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness. For Carey, the principles of rest and margin extend well beyond the calendar. A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish. Margin creates room to love well, give freely, and listen to God’s direction. Living at Your Best Carey’s journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design. He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey’s whole story—and the principles he teaches in his book At Your Best —offer a roadmap for anyone seeking balance, health, and spiritual renewal. For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast . And if you’re an advisor, he’ll be joining us at Redeeming Money , our conference for financial professionals, in February. May you learn to live—not at your limit—but at your best, in the freedom and rest God provides. On Today’s Program, Rob Answers Listener Questions: Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I’ll be mostly debt-free, and since longevity doesn’t run in my family, I’m wondering if it makes sense to claim early while my quality of life is higher and still wor

Giving Tuesday has become a global moment to celebrate generosity. But for believers, it can be much more than a once-a-year opportunity to give. It can become a catalyst to cultivate a lifestyle of intentional, joy-filled stewardship all year long. Today, we explore how to give with both heart and wisdom—so that our generosity reflects God’s purposes, not merely the moment. Joining the conversation is Al Mueller, founder and CEO of Excellence in Giving and former executive with Morgan Stanley and UBS. Beyond the Moment: What Giving Tuesday Really Represents For Al Mueller, Giving Tuesday is more than a charitable trend—it’s an invitation. “Giving Tuesday is a great opportunity to begin acting on generosity,” he says, “but it’s also a moment to pause and align with God’s purposes.” Al reminds us of Paul’s words in 2 Corinthians 9:7: “Each one must give as he has decided in his heart… for God loves a cheerful giver.” In other words, generosity is more than an impulse. It is an act of worship. Giving Tuesday can be a spark, but intentional stewardship is the flame that keeps burning throughout the year. Al summarizes biblical giving with a simple idea: “God gave us both a head and a heart —He didn’t say pick one.” Wise stewardship holds both together: The heart expresses compassion, joy, and worship. The head evaluates impact, effectiveness, and alignment with God’s purposes. Stewardship looks at the Kingdom outcomes we long to see and asks how we can best contribute to them. Some giving is planned, some spontaneous—but all of it can be intentional. Helping Donors Give With Excellence At Excellence in Giving , Al and his team equip high-capacity givers—often those giving $1 million or more annually—to make well-informed, impactful decisions. They offer research, due diligence, and accountability that help donors shift from reactive to proactive giving. But these principles, Al emphasizes, are not reserved for the ultra-wealthy. “Everyone can do their own homework,” he says. “Everyone can ask good questions. Everyone can give intentionally.” Whether you’re giving $50 or $50,000, evaluating ministries wisely matters. Al recommends starting with three core questions: What problem is the ministry trying to solve? What do they believe is the root cause of that problem? What measurable results have they seen? Healthy ministries provide clear reporting, measurable outcomes, and transparent leadership. They welcome questions and view accountability as part of discipleship. Key indicators to review include: Leadership stability Donor and staff retention Clear communication Transparent financial practices Evidence of life change Strong ministries don’t hide their results—they celebrate them. Red Flags: When to Think Twice Just as there are markers of strong ministries, there are warning signs that should prompt caution: Vague vision without a clear plan Emotional pressure or over-spiritualizing results Lack of reporting or unwillingness to share outcomes Over-dependence on a single donor Repeated urgent appeals for funds Al calls vague visions “ministry hallucinations” —dreams without blueprints. Just as you wouldn’t build a house without plans, you shouldn’t fund ministry without clarity. A Growing Trend: Collaborative Giving One of the most exciting developments in philanthropy today is collaborative giving—donors pooling resources to make a larger, more strategic impact. Pooling resources: Helps ministries secure larger grants Reduces duplication Saves ministries' valuable time Strengthens unity within the body of Christ “This model lets donors and ministries accomplish something bigger together,” Al explains. No donor wants to micromanage, and no ministry seeks to be controlled. But accountability doesn’t mean control—it means clarity. Al puts it this way: “Accountability is information given, not control taken.” Trust grows when ministries offer clear plans, measurable results, and honest reporting—what Al calls “a form of blessing” to donors. The Next Generation of Givers Younger donors give differently than their parents do. They are: More global in perspective More results-oriented More experiential—they want site visits and direct engagement Motivated by conviction rather than obligation Passionate about transparency and impact Al believes this next generation will reshape Christian generosity—mainly as significant wealth transfers occur in the coming decades. Al concludes with a powerful insight: there is a meaningful difference between being generous and being a steward. In the first century, a steward managed the household, finances, and fields on behalf of the master. The steward’s job was simple: to know the heart of the master and act accordingly. Stewardship today means: Recognizing God owns it all Seeking His desires for His resources Giving with discernment Aiming to hear, “Well done, good and faithful servant.” Generosity is beautiful—but stewardship is a calling. Growing in Intentional Generosity Wh

The holidays are meant to be a season of joy, generosity, and gratitude. Yet for many families, the celebrations come with a heavy dose of financial stress—stress that lingers long after the decorations are packed away. Our desire to bless others often leads to spending more than we planned. But it doesn’t have to be that way. Recently, we sat down with Neile Simon, Certified Credit Counselor and Director of Strategic Partnerships at Christian Credit Counselors , to talk about how families can give meaningfully, stay within their means, and refocus on what Christmas is truly about. Creating a Realistic Holiday Plan Most people enter the holiday season with the best of intentions. We want to show love, bless others, and create special memories. But somewhere along the way, those intentions can derail. Neile explains that a mix of cultural pressures makes overspending almost effortless: holiday sales, credit card offers at checkout, “buy now, pay later” deals, and social media’s endless highlight reels. Before long, the drive to be generous morphs into the belief that we must spend more to prove how much we care. And the consequences last far beyond December—financial stress, increased debt, and a January filled with regret rather than joy. The good news: overspending isn’t inevitable. Neile suggests starting early and planning intentionally. 1. Decide what you can truly afford. Account for all holiday expenses—gifts, food, travel, entertainment, and even small traditions that add up. 2. Set a total spending limit. Let this number guide every decision throughout the season. 3. Use cash or debit when possible. “When the money’s gone, you’re done—and that’s okay,” Neile says. This simple boundary protects you from impulse spending. 4. If using credit cards, treat them as tools—not the enemy. Used wisely, they can help you track your spending. The key is to stay disciplined and avoid taking on debt you can’t comfortably repay. Ultimately, a budget is not a restriction—it’s a path to freedom. It helps you enjoy the season without dreading the bill that arrives in January. Meaningful Giving Without Overspending Generosity isn’t measured by price tags. In fact, the most meaningful gifts are often the simplest. Neile encourages families to focus on personal, relational giving: Handwritten notes Homemade treats Shared experiences Thoughtful, small gifts with clear intention Her own family keeps gift-giving fun by setting spending limits and doing a white-elephant exchange. “It takes the pressure off,” she says, “and turns gift-giving into shared laughter and memory-making.” When togetherness becomes the priority over possessions, Christmas becomes both more joyful and more affordable. If You’re Already in Debt, There’s Hope For families already carrying debt, Christmas can feel like a tug-of-war between generosity and financial reality. Neile offers this encouragement: give within your means—even if it means scaling back. Why? Because responsible giving protects your finances, your peace, and your future. “Think of it this way,” Neile says. “A relaxed, stress-free January is far better than stressing out after overspending in December.” Scaling back isn’t failure—it’s stewardship. And it models wisdom and faithfulness for your children. Refocusing on the True Meaning of Christmas Amid the lights, the gifts, and the traditions, it’s easy to lose sight of the heart of Christmas. “Christmas is a celebration of Jesus—the greatest gift ever given,” Neile reminds us. When our hearts are centered on Him, love and grace become the focus. Giving within our means allows us to celebrate joyfully, gratefully, and peacefully. And when we spend with purpose—anchored in Christ rather than consumerism—we experience a kind of joy that lasts long after the season ends. Need Help With Debt? If financial stress is weighing you down, Christian Credit Counselors can help. As a nonprofit ministry, they specialize in debt management—not debt consolidation—working directly with your creditors to lower interest rates and help clear the path toward freedom. Learn more at: ChristianCreditCounselors.org/Faith. On Today’s Program, Rob Answers Listener Questions: I’m an 84-year-old retired veteran, and my wife is 81. We have a $375,000 mortgage on a $3.2–$3.4 million home, a $140,000 portfolio, a 529 with $55,000, about $100,000 in gold jewelry, $40,000 in Social Security benefits, and $15,000 in credit card debt. We’re running out of money and need to tap our home equity. The VA offered a $400,000 loan, but would a HELOC or a reverse mortgage be better? Who can help us make the right decision? We’re receiving a $60,000 inheritance and have $10,000 in credit card debt. Should we use some of the inheritance to pay it off, and what should we do with the rest? My husband is disabled, and we’re in our 60s—so is investing any of it in the stock market wise? And should we tithe on the inheritance? I’m 65, still working full-time as a caregiver, and have

“We love because He first loved us.” — 1 John 4:19 Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don’t start by giving—we start by receiving. In this spirit, Sharon Epps, President of Kingdom Advisors , joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like. Women Who Supported Jesus Luke 8 opens with a glimpse into Jesus’ ministry on the move: “Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” — Luke 8:1–3 These women formed part of Jesus’ traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources. Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod’s household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation. Receiving Always Comes Before Giving Before Joanna gave to Jesus, she received from Jesus. Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus’ ministry. It reminds us that money alone can’t solve the deepest problems of the heart. We all begin our stewardship journey by receiving. At the most basic level, every good thing in our lives is a gift from God: The breath in our lungs The abilities we develop The resources we hold The love we experience As Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing. Giving, then, is designed to be a response—a natural overflow of gratitude. Joanna’s Love for Jesus Joanna’s story doesn’t end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus’ words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles. Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life. Generosity as a Journey Sharon suggests that generosity is never a one-time event—it’s a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love. To make this practical, Sharon shared three questions she’s been asking herself—questions all of us can ask: 1. What do I need to recognize as a gift from Christ before I can give generously? Do I see what’s in my hands as mine—or as His? 2. Is my giving safe or sacrificial? Does my generosity reflect comfort… or love? 3. What does my current giving say about how well I’ve received? Giving reveals the condition of the heart. These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving. Becoming Conduits of Christ’s Love Joanna’s life encourages us to see generosity not as a duty but as a joyful response to God’s grace. As Sharon put it, her prayer—and ours—is to “receive so well that we become conduits of Christ’s love through generosity.” May we, like these remarkable women, offer our resources, time, and lives with open hands—recognizing that every gift we give begins with the gift we’ve already received in Christ. On Today’s Program, Rob Answers Listener Questions: I’m considering taking 72(t) withdrawals from my 401(k) in a couple of years as I retire and begin consulting. Should I plan on withdrawing around 5% annually, and if so, should I keep the money invested in stocks to aim for the usual 9–11% returns? My husband and I need about $8,000 and are debating whether to pull it from my 403(b), use benefits from his part-time retirement job, or tap a small annuity worth $3,000–$4,000. We want to pay off some credit cards and finish a car loan with three months left. What’s the best source to use? We inherited enough money to either pay off our mortgage or cover about three-quarters of our daughter’s student loan. The amounts are similar, and our mortgage is mostly principal now. I’m 61. Which payoff makes the most sense? I started my Social Security retirement benefits at age 70 this June. My younger husband reaches full retirement age next July. Can he take a spousal benefit equal to half of mine until he reaches FRA and then switch to his own higher be

Happy Thanksgiving! As you gather with family and friends today, we hope your hearts are filled with gratitude to God for His many blessings. While Thanksgiving is a treasured tradition for us, its roots stretch back more than 4 centuries. Who gathered at that first feast in 1621? Why were they there? And what exactly were they giving thanks for? Let’s take a closer look at the remarkable story of the Pilgrims—one of enduring faith, sacrifice, and God’s gracious provision. Who Were the Pilgrims? Most of us learned in grade school that the Plymouth Colony—located in present-day Massachusetts—was founded in 1620 by a group we know as the Pilgrims. These settlers, also called Separatists, longed to break away entirely from the Church of England, believing it had drifted from biblical teaching. Their commitment to worship according to Scripture set them on a courageous journey toward religious freedom. Nearby, the Puritans would establish the Massachusetts Bay Colony in 1630. While they shared many beliefs with the Pilgrims, their approach differed. The Puritans remained within the Church of England, seeking to reform it from within. Though their strategies diverged, the stories of these two groups are deeply intertwined in the early chapters of American history. The Pilgrims faced significant persecution in England for worshiping outside the established church. Holding fast to the Bible as their ultimate authority made them targets. In 1609, seeking refuge, they fled to Leiden, Holland. Yet even there, challenges persisted—some were arrested, and the freedom they sought still felt out of reach. Recognizing Europe would not offer the spiritual liberty they longed for, they made a bold and costly decision: to sail to the New World. About 120 men, women, and children boarded the Mayflower. While some passengers—known as “adventurers”—joined the voyage for economic opportunity, the Pilgrims’ primary aim was clear: to worship freely and build a life rooted firmly in their faith. Hardship Upon Arrival Their journey across the Atlantic was long and brutal. Delays meant they arrived in November—not summer—leaving no time to plant crops. That first winter, remembered as “the starving time,” was devastating. Nearly half the group died from disease and lack of food. Still, in God’s providence, the Pilgrims formed a gracious relationship with local Native Americans. A Native American named Squanto—who had learned English years earlier—became a critical ally. He taught them how to plant corn, where to fish, and how to survive in an unfamiliar land. His guidance helped bring the colony through that difficult first year. With Squanto’s help, the Pilgrims planted crops in the spring of 1621 and harvested enough that fall to sustain their small community. To honor God for His provision, they invited their Native American neighbors to join them in a feast of thanksgiving. By that point, only 22 men, four married women, and 25 teenagers and children remained from the original group. Their guests nearly doubled the gathering, bringing food and friendship—resulting in what may have been America’s first potluck meal. Together, they celebrated survival, provision, and the kindness of God expressed through unexpected relationships. A Legacy of Faith Years later, Plymouth’s longtime governor, William Bradford, reflected on their experience in Of Plymouth Plantation , quoting Hebrews 11:13–16 to describe the Pilgrims’ faith: “All these people were still living by faith when they died… They were looking for a country of their own… longing for a better country—a heavenly one. Therefore God is not ashamed to be called their God, for He has prepared a city for them.” For the Pilgrims, this passage captured the heart of their journey. They understood that their true home was not a piece of land or a colony—they belonged to God. Their courage, perseverance, and gratitude were expressions of that eternal hope. As we celebrate Thanksgiving today, may we remember this story of faith under pressure, resilience in hardship, and gratitude rooted in God’s unwavering provision. The freedoms we enjoy—especially the freedom to worship—come through the sacrifices of those who came before us. From all of us at FaithFi , we wish you a warm, joyful, and grace-filled Thanksgiving. May your day be filled with gratitude for God’s goodness and confidence in His faithful care. On Today’s Program, Rob Answers Listener Questions: My question is about the so-called ‘Dollar 2.0’ and the new S.1582 bill. How might this impact our currency? I’m retired and concerned about my savings. My dad recently passed away and left me and my siblings money in an IRA. We’re being told we need to set up inherited IRAs to receive it. What exactly is an inherited IRA, and is that our only—or best—option? I run a construction company and also helped start a nonprofit. Can I legally pay myself a salary from the nonprofit? And can the nonprofit hire my construction company for its pro

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: Identity Giving Saving Spending Building on Your Foundation 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 Fin

Most of us think of generosity as a sacrifice—something that costs us. But what if giving is actually one of the wisest, most joy-producing ways to live? When we open our hands, God not only blesses others through us—He transforms us in the process. That idea lies at the heart of Chip Ingram’s book The Genius of Generosity , and it’s why we were grateful to welcome him to the program. Chip is the founder, teaching pastor, and CEO of Living on the Edge , a discipleship ministry helping believers live like Christians every day. A Story That Changes Everything Chip’s understanding of generosity was forever shaped by a man named John—a seventy-year-old accountant who invited Chip, then a young pastor, to lunch one day. After the meal, John handed him a small white box. Inside was a checkbook labeled Pastor’s Discretionary Fund. John said, “Chip, here’s what I’d like you to do. Carry this checkbook with you every day. Anytime you see a need that Jesus wants to meet—or that you think I’d want to help with—write a check.” Chip was stunned. He barely knew how to manage his own finances, let alone someone else’s. But John invited him back three times each year to review every check. And so Chip began paying attention to needs around him—fueling a single mom's car, providing groceries for a struggling family, restoring electricity for another. Over time, something unexpected happened: Chip handled John’s money more carefully than his own. He found himself eager to spot needs. And a deep friendship formed between two men who had nothing in common except a commitment to generosity. Years later, Chip realized the deeper lesson: What John did for him is what God does for all of us. We manage resources that are not ours. We steward what belongs to the King. That realization became the seed for The Genius of Generosity . Why Generosity Is More Than a Virtue Chip told me that generosity didn’t just change his financial habits—it changed his life. He began seeing giving as an adventure. He describes generosity as a “gateway to intimacy with God,” a doorway into deeper trust and joy. The more he gave, the more he saw God show up. And interestingly, secular research agrees. Chip noted that even if the Bible didn’t exist, studies consistently show: Generous people are happier. They enjoy stronger relationships. They live longer and experience greater satisfaction. Why? Because generosity is a creative, life-giving act. It aligns us with how God designed the world. Generosity Connects Us—to God and to Others Jesus taught that wherever our treasure goes, our hearts follow. So every act of giving is spiritual formation. It’s discipleship. And generosity builds unexpected bonds with others. Chip shared the story of a homeless man he saw regularly at a bagel shop. For months, the man never responded to Chip’s greetings. One morning, Chip quietly bought him a coffee and a bagel. Minutes later, the man spoke—opening up about his life, his experiences, even pointing out the rare appearance of Venus in the sky. A simple act of kindness became the doorway to relationship and transformation. These moments, Chip says, are all around us if we have “our antenna up and our eyes off our phone.” Chip also told a story of a moment when God prompted him to give a six-figure gift—an amount he didn’t feel he had. The Lord reminded him, “Do you think I can’t replenish what you give?” Over the years, Chip has seen God refill what he gives away again and again, sometimes miraculously. That’s the adventure of generosity: you can’t out-give God. What If You Feel Like You Have Little to Give? Chip’s encouragement is simple: “Start small. It’s your view of God that needs to change, not your circumstances.” You don’t wait until you’re wealthy or “more spiritual” to begin giving. You practice generosity today—right where you are—and watch God grow your heart. The Genius of Generosity In the end, generosity is not about losing. It’s about gaining—freedom from fear, deeper trust in God, richer relationships, and greater joy. When we give, we reflect the heart of the ultimate Giver. We discover that everything we have belongs to God—and that He delights to pour His blessings through open hands. To learn more about Chip Ingram and The Genius of Generosity , visit LivingOnTheEdge.org . On Today’s Program, Rob Answers Listener Questions: I already have a will, but a company that visited our church said I also need a trust—and they quoted me $3,000 to set everything up. Do I really need a trust? They said that without a trust, my kids could spend months or years in probate and might have to fight over things. That made me nervous—so now I’m wondering if I really do need one. I’ve heard you explain capital gains when someone buys a home, but how does it work if you build your home and only have a small HELOC? So if my house is worth about $400,000 and I sold it… How would that be calculated? I inherited the land through my divorce and built the home after Hurricane

One of the clearest signs that God has changed a person’s heart is generosity. Scripture makes it plain: giving isn’t merely an act—it’s a reflection of God’s own character. As believers, we give not because we have to, but because God has given richly to us. Today, we explore what the Bible says about generosity and highlight timeless wisdom from Christian voices throughout history. Their words still inspire us today to give joyfully, sacrificially, and with hearts shaped by the gospel. A Biblical Vision of Generosity The Bible paints a sweeping picture of generosity—one that reaches far beyond financial giving. Generosity Begins with Compassion Jesus taught, “Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise.” Generosity starts with seeing the needs right in front of us and responding with compassion, humility, and love. Giving Flows from the Heart The apostle Paul reminds us that our gifts should reflect the posture of our hearts: “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” Generosity isn’t measured by the amount of money given, but by the joy, gratitude, and trust behind it. Generosity Reflects God’s Character Psalm 112 connects generosity to righteousness itself. Giving is not just something Christians do—it becomes part of who we are when our lives are aligned with God’s heart. Timeless Christian Wisdom on Giving Throughout the centuries, believers have wrestled with what it means to give faithfully. These quotes reflect deep biblical conviction and continue to encourage us today. C. S. Lewis “I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.” Lewis reminds us that generosity stretches us—it costs something. Yet in that stretching, God grows us. John Wesley “Do all the good you can, by all the means you can…as long as ever you can.” Wesley captures the spirit of a life poured out for God: comprehensive, intentional, and relentless generosity. A. W. Tozer “Any temporal possession can be turned into everlasting wealth. Whatever is given to Christ is immediately touched with immortality.” Our giving invests in eternity, turning temporary resources into lasting treasure. Billy Graham “Tell me what you think about money, and I will tell you what you think about God… A man’s heart is closer to his wallet than anything else.” Graham’s words challenge us to consider how closely our financial decisions reveal our spiritual values. Evelyn Underhill “The spirit of adoration is the spirit of generosity, for worship is giving.” True generosity flows out of worship—a recognition that everything we have is a gift from God. Randy Alcorn “Giving affirms Christ’s lordship. It dethrones me and exalts Him.” Giving reorders our priorities. It loosens our grip on earthly security and strengthens our trust in Christ. St. Augustine “Charity is a virtue which…unites us to God, for by it, we love Him.” For Augustine, generosity wasn’t just an action—it was spiritual formation. Amy Carmichael “You can give without loving, but you cannot love without giving.” Our giving is evidence of Christ’s love alive in us. St. Paula of Rome “The more we give to Christ, the more we possess Him.” Generosity deepens our fellowship with Christ, reminding us that He is our true treasure. Jesus Christ When sending His disciples, Jesus said: “Give as freely as you have received.” (Matthew 10:8) All Christian generosity begins here—in response to His grace. Giving as a Reflection of the Gospel When we give, we echo the heart of the ultimate Giver. Jesus held nothing back—not even His own life. Generosity isn’t defined by the size of the gift but by the surrender of the heart. Every act of giving becomes a small reflection of the love of Christ in us. At FaithFi , we’re committed to helping you integrate your faith and finances in a way that reflects God’s glory. That’s why each issue of our Faithful Steward magazine is designed to encourage you to: Live wisely Give generously See God as your ultimate treasure When you become a FaithFi Partner by December 31, you’ll receive all four issues of Faithful Steward —plus our brand-new devotional, Our Ultimate Treasure , releasing early next year. Learn more at FaithFi.com/Partner . On Today’s Program, Rob Answers Listener Questions: I’m in the process of redoing my will—this is actually the second attorney I’ve worked with—and I want to leave my house to my daughter, who’s on SSDI. The attorneys I’ve spoken with both mention trusts, but they offer different opinions, which is confusing. What would you recommend? Also, I still owe about seven years on the mortgage at a 3.75% interest rate. Should I pay it off now or keep making payments? How should I advise my 19-year-old granddaughter on investing? Right now, she saves her cash in an envelope or in the bank, but I want to help her get started investing in a s

Money can so easily capture our hearts. It promises security, comfort, and control—but often leaves us anxious and striving for more. Yet when we give, something remarkable happens. We’re declaring our dependence on God, not our bank accounts. Dr. Art Rainer—founder of the Institute for Christian Financial Health and author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose —joined us recently to explore how generosity becomes an act of trust that transforms our hearts and deepens our faith. Money Reveals the Heart Larry Burkett often said, “Every spending decision is a spiritual decision.” Dr. Rainer agrees. “Jesus said, Where your treasure is, there your heart will be also,” Art explained. “The Bible makes it clear—money management reflects heart management.” Scripture contains over 2,000 verses about money and possessions. Why? Because few things so clearly reveal what—or whom—we truly trust. For believers, the central question is this: Do we believe God’s promises about provision, and are we willing to surrender this area of life to Him? Giving as an Act of Trust Dr. Rainer describes giving as a tangible expression of faith. “God doesn’t tell us to give and then leave us hanging,” he said. “He ties promises to generosity.” Those promises fall into three beautiful truths—God will provide, multiply, and enrich. 1. God Promises to Provide In Malachi 3:10, the Lord declares: “Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, I will open the windows of heaven for you and pour out a blessing so great you won’t have enough room to take it in. Try it! Put me to the test!” “God invites us to trust Him,” Art said. “He promises to pour out an abundance of blessings—not necessarily material wealth, but blessings that can be spiritual, relational, or emotional. Maybe it’s the contentment you’ve been chasing for years, or the joy of being part of something far greater than yourself.” 2. God Promises to Multiply In John 6, a young boy offers his five loaves and two fish to Jesus—hardly enough to feed five thousand hungry people. Yet Christ multiplies that small gift until everyone is satisfied, with twelve baskets left over. “Many of us feel like that boy,” Art said. “We look at our meager resources and wonder, What difference can this make? But God is a God of multiplication. He can take whatever you give and expand it to accomplish His purposes. That’s His promise—but it requires trust.” 3. God Promises to Enrich Who doesn’t love a good return on investment—or ROI? “God does too,” Art said. In 2 Corinthians 9:11, Paul writes, “You will be enriched in every way so that you can always be generous.” “God gives so that we can give,” Art continued. “He blesses so that we can bless others. He’s looking for conduits of generosity—people through whom His blessings can flow. When we live that way, generosity becomes not just a habit, but a way of life.” Trusting God With Your Money As Dr. Rainer summed it up: “Generosity is an act of trust. It shifts our hearts from reliance on ourselves and money to reliance on God. If you’re a Christian, you’ve already trusted Him with your soul. It’s time to trust Him with your money.” When we give generously, we’re not losing—we’re investing in eternity. We’re saying, “Lord, I believe You are my provider.” And that’s one of the clearest ways to live out genuine faith. Learn more about Dr. Art Rainer’s work at ChristianMoneySolutions.com . On Today’s Program, Rob Answers Listener Questions: I’m 69 with no debt and considering a whole life insurance policy—$100,000 with premiums for 10 years—to leave tax-free money to my children. I already have a term policy that ends at 75. I also have $28,000 in an underperforming annuity with no surrender charge, and was advised to do a 1035 exchange into a new annuity at 4.65% for seven years. I’ve also invested in CDs at 4% and am considering high-yield savings accounts. What’s the best strategy moving forward? My in-laws are around 80 and have fully matured savings bonds. When they used some for home upgrades, they faced a large tax bill. Is there any way to move or reinvest those bonds to delay or avoid taxes—perhaps into an IRA or Roth IRA? I manage finances for someone receiving annual settlement payments until 2036. He wants to create a trust now to support three families, but his lawyer recommends keeping the money in savings while he’s alive. The payer says a trust can be set up after his death. Should he establish the trust now or wait? I’m debt-free and have my cash in a high-yield savings account, but rates are dropping. Should I invest some of it or find another way to protect and manage my money? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Money in the Light of Eternity: What the Bible Says about Your Financial Purpose by Dr. Art Rainer The Institute for Christian Financial Health Christian Money Solutions Wise

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments? Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what’s ahead. According to Mark Biller, Executive Editor at Sound Mind Investing (SMI) , the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular. Cyclical vs. Secular: What’s the Difference? “The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.” Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years. Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years. Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time. Learning from History: Market Examples From 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors’ purchasing power. That’s what economists call a secular bear market —a long-term period of little to no progress. Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic. The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.” The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time. Why It Matters—Especially for Bond Investors Understanding these cycles isn’t just an academic exercise. “It’s actually more helpful when it comes to bonds than stocks,” Biller explains. That’s because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that’s led to negative returns for many bond investors over the last five years.” This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well. Rethinking the Classic 60/40 Portfolio For decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today’s environment, that mix may need to evolve. “At Sound Mind Investing (SMI) , we’ve reduced our bond allocation to around 30%,” Biller explains. “We haven’t abandoned bonds altogether, but we’re diversifying beyond them.” That diversification includes strategies like: Dynamic asset allocation—adjusting investments as market conditions shift Gold and commodities—as hedges against inflation Real estate and energy stocks—for long-term growth potential Alternative assets like Bitcoin (in small doses), to add further variety Building a Portfolio That Endures Every Season Whether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that’s resilient and rooted in wisdom. Biller’s encouragement for long-term investors is simple: “We’re not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.” That perspective echoes a deeper truth for believers: our ultimate security isn’t found in market trends but in God’s unchanging character. Markets may rise and fall, but His promises endure forever. Faith, Patience, and Perspective Understanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise. As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” In every bull and bear market, we’re called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us. For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org . On Today’s Program, Rob Answers Listener Questions: I’m nearing retirement with no debt and some investment savings, but I don’t have a pension. Would it make sense to use part of my investments to buy an annuity for guaranteed monthly income in addition to Social Security? I’m

It’s one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn’t just about inheritance. It’s about passing on faith, values, and a vision for generosity. To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF) —a trusted partner helping believers give wisely and joyfully. From Obligation to Joyful Generosity Christin’s passion for generosity began early, though not in the way it’s shaped her life today. “As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn’t until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.” That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out. What’s Driving the Next Generation to Give When it comes to generosity, Millennials and Gen Z are rewriting the playbook. According to NCF’s research , millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.” Christin explains: “They believe all resources have equal value—not just money, but time, influence, and relationships. They don’t just want to write a check. They want to be part of the change.” This shift from transactional to relational giving marks a profound change from previous generations. Reimagining Traditional Tools Younger Christians aren’t abandoning tools like donor-advised funds, estate plans, or investment portfolios—they’re personalizing them. “They want to see impact,” Christin said. “They’re asking, ‘How is my giving being used?’ and ‘What difference is it making?’” They’re also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones. At NCF , this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact. What Advisors Need to Know Financial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset. “Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It’s not just about managing money—it’s about helping them uncover all the ways God’s entrusted them to give.” For advisors, that means focusing less on control and more on collaboration, connection, and calling. How Families Can Have Faith-Filled Conversations Generosity isn’t just a financial transaction—it’s a family story. Cristin encourages families to start there. “The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.” Listening to one another’s experiences helps bridge differences and creates a shared vision for stewardship across generations. How NCF Is Helping the Next Generation Live Generously At the National Christian Foundation (NCF) , this generational shift is sparking new ideas and tools for families and advisors alike. New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report —designed to help both older and younger generations navigate these conversations. Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants. Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts. You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch . The Power of Agency One key insight from NCF’s research is the role of agency in healthy stewardship. “We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.” That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give. The Influence of Women in Generosity Another striking finding: women—especially mothers—play a major role in shaping generosity. “Seventy-two percent of millennials we surveyed said their mothers were the biggest influence on their giving,” Cristin shared. Yet, the research

It’s always a pleasure to welcome back Dr. Shane Enete—Associate Professor of Finance at Biola University , founder of Biola’s Financial Planning Program, and creator of The Money Storybook Bible Podcast . His creative work helps parents disciple their children in biblical stewardship by weaving financial lessons into retold Bible stories. When asked what inspired the podcast, Dr. Enete explained that the idea grew from a common question he receives: “How can I teach my kids about money?” His realization was simple yet profound—the Bible already does this. “The Bible talks about money more than almost any other topic, and it’s filled with stories for all ages,” he said. “So I thought, what if I just told these stories to my kids in a way that helped them see themselves in the story and learn about money at the same time?” Stewardship as an Expression of Love For Dr. Enete, the goal goes far beyond teaching budgeting or saving. “Stewardship is one of the greatest opportunities we have to express our love for Jesus,” he said. “When we share, we’re loving Him and others.” He hopes parents and children alike will see money not as a source of stress or status, but as an opportunity for love, wisdom, and worship. “I want kids to understand the dangers of debt and discontentment,” he added, “but even more, I want them to know that Jesus is everything—and that money can be used to love Him.” Storytime with a Purpose Each podcast episode features Dr. Enete reading to his own children, with interactive moments that bring the stories to life. “We start with fun icebreakers, like a ‘Would you rather’ question, then read a Bible story together,” he explained. “Afterward, I ask questions to help them reflect, and we finish with a hands-on activity that reinforces the lesson.” One of Dr. Enete’s favorite family moments came from a story about Solomon. “I asked my kids which world they’d rather live in—one where they’re rich but don’t know Jesus, or one where they have Jesus but not the riches. They didn’t even hesitate—they chose Jesus. That’s when I knew these lessons were hitting home.” The Story of Lydia: Business as Ministry One memorable episode, Purple Snail Robes , retells the story of Lydia from Acts 16. In Dr. Enete’s version, Lydia initially wants to give away her wealth to follow Paul, but he helps her see that her business can be a ministry in itself. “Sometimes God wants us to serve Him right where we are,” Paul tells her. “When you share what you have and do your work with skill and kindness, you’re showing people who Jesus is.” Dr. Enete shared that Lydia’s story was inspired by the idea of Gospel Patrons —those who use their resources to fuel God’s work. “Lydia was one of the first gospel patrons,” he said. “I wanted kids to see that our work and business can glorify God. Plus,” he laughed, “the fact that purple dye came from smashed snails makes it extra fun for kids!” The Story of Nicodemus: Costly Generosity Another powerful episode, 75 Pounds of Spices , reimagines Joseph of Arimathea and Nicodemus as they prepare Jesus’ body for burial—with a young girl named Abigail watching nearby. The story illustrates generosity that is both courageous and costly, as Joseph donates his tomb and Nicodemus buys an extravagant amount of burial spices. Even little Abigail joins in, offering her treasured blue necklace to honor Jesus. “That moment shows that no act of generosity is too small,” said Dr. Enete. “It’s a picture of giving that flows from love—something children can grasp in a tangible way.” Free Resources for Families To help parents extend the lessons at home, Dr. Enete created a free activity book that pairs with the podcast. It includes fun exercises, badges, and a certificate of completion—each tied to key money principles like giving, saving, and contentment. You can find the podcast and resources at WholeHeartFinances.com . At the heart of The Money Storybook Bible Podcast is a simple but transformative message: Jesus is the true treasure. Teaching kids about money isn’t just about dollars and cents—it’s about helping them see that every financial decision can be an act of love for God and others. As Dr. Enete put it, “More than anything, I want kids to know that money isn’t the goal—knowing and loving Jesus is.” On Today’s Program, Rob Answers Listener Questions: I’ve been diagnosed with a terminal illness and care for my four-year-old grandson. I have $100,000 in life insurance, $50,000 in retirement savings, and $20,000 in cash. How can I set up a trust and invest wisely to provide for him after I’m gone? Also, does the guardian I choose also control the trust, or must they be named separately as trustee or beneficiary? I’ve seen ads claiming thieves can steal your home’s title unless you buy special insurance. Is that a real concern or just a scare tactic? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) The Money Storybook Bible Podcast Whole Heart F

When Ron Blue joins us, it’s always a masterclass in biblical wisdom. He’s co-founder of Kingdom Advisors , a best-selling author, and a trusted mentor to many. Ron has spent decades helping believers apply God’s principles to every area of life and business. Today, Ron unpacks what Scripture teaches about partnerships and how faith should shape the way we enter, manage, and exit them. The Broader Meaning of “Partnership” When the Apostle Paul warned believers about being “unequally yoked,” he wasn’t speaking only about marriage. As Ron explains, “Paul was talking about partnerships—and there are so many kinds.” From professional firms and small businesses to investment ventures and partnerships, they can take many forms. And while they can be incredibly fruitful, they also carry spiritual and relational risks. Ron pointed out that partnerships often last a long time—sometimes decades. “The CPA firm I founded has been operating as a partnership for 50 years,” he said. “But not all partnerships endure well. Like marriage, many end in conflict.” Principle #1: Protect Your Testimony Ron’s first principle is about spiritual integrity. “You have to ask what the partnership will do to your testimony,” he said. “If you’re unequally yoked with someone whose values fundamentally differ from yours, you could lose your witness in the process.” He recalled being asked whether a Christian OB-GYN should enter a business partnership with a doctor who supports abortion. “Only you and God can answer that,” he said, “but it’s a big question. Your witness is always at stake.” Principle #2: Plan Your Exit Before You Begin “Have your exit strategy in place before you form the partnership,” Ron advises. Just as couples prepare for challenges in marriage, business partners should anticipate potential separation. A clear exit plan protects both parties, ensures fairness, and helps maintain peace when the time comes to move on. “When you have that in place,” Ron said, “you avoid a lot of conflict and preserve your testimony if you’re the believer who’s leaving.” Principle #3: Preserve the Mission Beyond the Relationship Perhaps the most powerful insight Ron shared was this: the mission must outlive the partnership. Ron recalled his own experience leading a financial planning firm. “After 23 years, I left—but no one left with me,” he said. “They were committed to the mission. That’s what you want to see happen.” A strong exit strategy and shared vision help ensure that the work—and the witness—continue long after any individual departs. The Bottom Line Shared faith isn’t just good for business—it’s essential for a lasting witness. Partnerships grounded in biblical principles reflect God’s wisdom and preserve peace amid challenges. As Ron put it, “The most critical thing you want to preserve is your testimony. Everything else flows from that.” On Today’s Program, Rob Answers Listener Questions: I’m concerned about vendors and service providers who want my bank account information for automatic withdrawals. I’ve been paying my lawn service with money orders, but now they require my account number. I told them we’d have to stop doing business because I’m not comfortable giving out that information. Isn’t this kind of intrusive? What do you think about vendors wanting access to our accounts? My spouse and I are both 70 and ready to retire. I own 10 rental houses, but managing them has become too much. Once I sell the properties, what should I do with the proceeds? I understand the basics about capital gains and selling real estate, but I don’t want the responsibility of managing individual stock investments myself. I’ve saved about $15,000 for a car, but have kept my current vehicle running as long as possible. It’s a 2007 with 235,000 miles and is starting to have more issues. I found a good used car for about $8,500 and am wondering if I should buy it now or keep driving my current one until it dies, even though repairs may be on the horizon. My parents’ health is declining, and we’re moving them closer to family. Their current home is in an irrevocable trust, but we’ve found a condo they can buy before selling that house. Can the new condo be added to the same irrevocable trust? And when the old home sells, what happens to the proceeds? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) 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. Hosted by Simplecast, an AdsWizz company. See pcm.

It’s one of the most valuable things we have—and one of the easiest to waste. We’ve all heard the saying, “Time is money.” But if that’s true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it’s the most limited resource God has given us. Learning to steward it well isn’t just good productivity advice—it’s an act of worship. If you’ve ever said, “I just need a little more time,” you’re not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.” We treat time like a renewable resource when it’s really more like a savings account that’s constantly being drawn down. Every hour that passes is one you’ll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce. A Biblical View of Time Scripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He’s not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable. From a biblical perspective, time isn’t ours to manage however we wish. It’s a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time. In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God’s glory. It’s the same word Paul uses elsewhere to describe what Jesus did for us on the cross. Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we’re called to redeem our time—to invest every moment, conversation, and decision in what will last forever. Here’s the catch: if you don’t decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren’t truly important. Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father’s will. How to Steward Your Time Well So how can we live as if our time truly belongs to God? 1. Reevaluate Your Priorities Every decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God’s eyes—and am I giving that my best time?” 2. Measure Time by Meaning, Not Money Our culture values time by dollars per hour, but God’s economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.” 3. Build Margin into Your Life Just as financial margin creates freedom to give, time margin allows you to live generously. When you’re not overscheduled, you can pause to listen, serve, or rest. Sabbath isn’t wasted time—it’s holy time that reminds us that God is in control. 4. Steward Small Moments Eternal impact isn’t found only in big events. It’s in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.” Making Your Hours Count for Eternity When you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, ’twill soon be past; only what’s done for Christ will last.” So what’s your time really worth? It’s worth exactly what you invest in eternity. Don’t just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands. On Today’s Program, Rob Answers Listener Questions: I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I’d like something more flexible than a college savings plan. I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I’m thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead? I recently bought an RV with dealership financing at 7.9% for 20 years, though I don’t plan to keep it that l

Many people say our healthcare system is broken—and maybe you’ve felt that yourself. Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there’s a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it. Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM) , an underwriter of Faith & Finance . Why an “Open Enrollment” Campaign for a Year-Round Ministry? While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges. This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it’s an excellent opportunity to shine a light on a biblical alternative. Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who’ve paid premiums for years, only to find that help is unavailable when they need it most. It’s disheartening. You think your provider is in-network, but later find out they’re not. That leaves patients confused and financially burdened. It’s a system that often leaves believers wondering if there’s a better way. That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system. How CHM Differs from Insurance CHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other’s medical expenses—a reflection of biblical community and mutual care. They’ve been around since 1981 and have shared or satisfied over $13 billion in medical bills. They’re a nonprofit ministry that helps Christians live out their faith through practical care. Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry’s guidelines. It’s simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they’re part of a community that cares. At its core, CHM is not an insurance company—it’s a Christ-centered community built on shared values. Members give monthly to help other believers in need. It’s an act of faith and stewardship. And for most people, it’s far more affordable than traditional plans. This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values. Guidance for Those Exploring Their Options For anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind. You don’t have to be trapped in a broken insurance system. There’s a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable. Many in the Faith & Finance audience are retirees or nearing retirement. So it’s important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover. It’s what they call a ‘complementary’ approach, where CHM can help cover costs Medicare doesn’t pay, as long as they fall within its guidelines. FaithFi is grateful for CHM ’s partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don’t have to settle for a system that’s broken. There’s a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi . On Today’s Program, Rob Answers Listener Questions: A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn’t have the money to pay for it. Where can he turn for help? I own a small business structured as an LLC, and I’m confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both? I’m a pastor, and one of my church members is struggling. After his father’s death, the estate was liquidated, leaving him without a home. He hasn’t filed taxes and now has tax debt. What’s the best way for him to address this? I’m looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Healthcare Ministries (CHM) National Christian Foundation (NCF) Christian Credit Counselors 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 ca

What if your investments did more than earn returns—what if they helped shape the culture for good? Today, we’ll explore how your money can not only grow but also advance God’s purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact. Brian Mumbert is the President of Timothy Plan , an underwriter of Faith & Finance . Giving That Flows from Faith At the heart of Timothy Plan’s mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan —tithes its profits to support ministries aligned with biblical values. Those partnerships reflect a desire to be active on the other side of Timothy Plan’s investment screens. In other words, it’s not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families. This commitment is not theoretical—it’s deeply practical. In Central Florida, Timothy Plan partners with organizations such as Choices Women’s Clinic , the area’s largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry . Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice . Through the Kairos Prize , Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project , which equips entrepreneurs worldwide to start and grow businesses based on biblical principles. A Legacy of Business as Ministry Timothy Plan ’s founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God’s work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God’s got a bigger shovel.” That philosophy continues to shape Timothy Plan ’s culture. They see business as ministry, and since we are all stewards of God’s money, we want to ensure it has an eternal impact. For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we’re not just seeking a return—we’re influencing what gets built, produced, and promoted in our world. This approach aligns with the broader mission of Timothy Plan : to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation. At FaithFi , we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture. To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com . On Today’s Program, Rob Answers Listener Questions: I’m planning to retire in 2027 and want to move my deferred compensation. How do I go about that? And should I also get life insurance when I retire? My wife and I just bought a home with a 6.188% adjustable-rate mortgage for three years. Should we refinance now into a 30-year fixed, or wait to see if rates come down? I’ll start receiving my full Social Security benefits in December. How much can I earn without being taxed on it? Can you explain how your financial approach differs from Dave Ramsey’s? And since Social Security had me apply for widow’s benefits, will I owe taxes on that income? Should I invest in gold—or a mix of gold and silver—and how would I do that? And what about Bitcoin or other digital currencies? Are they wise investments, and how would I start? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Timothy Plan Charles Schwab | Fidelity An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever wonder why money so often reveals what we truly value? Today, we’ll find out. You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we’re turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance ) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives. Afton Phillips is the Head of Content at FaithFi: Faith & Finance . The Heart Behind Our Ultimate Treasure When Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship , he didn’t set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God. Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional. Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn’t matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues. That’s why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God’s purposes—to see money not as a source of stress or identity, but as a tool for worship. Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi . How we spend, save, and give reveals what we treasure most. If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally. Moving from Ownership to Stewardship One of the most freeing shifts in a believer’s financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we’re simply managers of His resources, everything changes. Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God’s. Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God’s financial principles aren’t restrictive—they’re protective. When we live within our means, avoid debt, plan diligently, and give generously, we’re reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn’t just shape our money; it shapes our hearts, making us look more like Christ. The Gift of Margin, Generosity, and Legacy One of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there’s no space left for God to move. Creating margin is an act of faith. It’s how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways. At FaithFi , we often say that generosity isn’t just about giving—it’s about joining God in His redemptive work. When we give, we participate in something far greater than ourselves. Generosity becomes a reflection of God’s heart and a visible expression of His love in the world. The fruit of generosity isn’t measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact. Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy. Legacy isn’t about wealth—it’s about faithful

Blending a family takes grace—and so does blending your finances. When couples merge families, they’re also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage. Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family . Why Honest Money Conversations Matter There once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It’s a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations. For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn’t guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship? Money becomes the testing ground for those questions. That’s why avoiding financial conversations doesn’t protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered. Finances are never just about dollars and cents. They’re about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I’m gone? There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship. When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together. The Challenge of Inheritance and Trust Consider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We’re one now—just leave everything to me, and I’ll take care of your family. But Sandra hesitated. Her adult children hadn’t had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone? This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn’t achieved through documents—it’s achieved through relational clarity. You can’t solve financial questions until you’ve addressed the relational ones. Moving from Prenuptial to Togetherness So what’s the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family , Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.” Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won’t receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families. In a Togetherness Agreement, couples prayerfully decide together: How do they care for children from prior relationships How inherited or premarital assets will be handled How responsibilities to other households or parents will be honored And how they’ll support one another financially in love and unity It’s not about dividing assets—it’s about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other. Taking Inventory—Emotionally and Financially Before crafting any agreement, couples need to take inventory. That means both emotional and financial reflection. Ask questions like: What financial baggage or debts are we bringing in? What past wounds or fears still shape the way we view money? What are our goals—for our family, our faith, and our future? Blended families are always born out of loss—whether death, divorce, or something else. That history doesn’t have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation togethe

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund Burke It’s a familiar thought: If I just had a little more money, life would be better. We’ve all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises. The question “Can money buy happiness?” isn’t new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete. Why Money Can’t Deliver What It Promises We don’t know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows. Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving , pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can’t buy happiness,” yet nearly every message in our culture insists that it can. The world doesn’t just tempt us to spend more—it trains us to depend on more. Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us. John D. Rockefeller, worth billions in today’s dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic’s job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10). Three men, three eras, one truth: money can’t satisfy the soul. Two Myths About Wealth Ron Blue identifies two common lies about money: More money brings more freedom and satisfaction. In reality, more money brings more complexity. As Ron Blue also notes in his book , “Since there are always unlimited ways to spend limited dollars, it doesn’t matter whether you make $20,000 or $200,000—you will always have choices to make.” With greater wealth comes greater responsibility and potential stress. More money removes fear and worry. The opposite is often true. The more we have, the more we have to lose. Market downturns and unexpected crises reveal that our sense of security is fragile when it’s built on wealth. In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises. So how do we break free from financial fear? It begins with a shift in perspective: realizing it’s not your money. You’re a steward, not an owner. Everything you have belongs to God. Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference. Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone. Finding Joy That Lasts Psalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.” When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn’t measured by net worth but by contentment. So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides. When your hope rests in Christ and not your paycheck, you’ll experience what Edmund Burke described centuries ago: true freedom that never fades. On Today’s Program, Rob Answers Listener Questions: I’m 30 and trying to be proactive about my financial future. Should I consider getting long-term care insurance this early, or wait until later in life? And would adding annuities make sense at my age? I’m a veteran with a VA loan at 6.75%, and I keep getting offers to refinance through a VA IRRRL. I’ve only been in my home for about a year, but as a single mom, lowering my payment would really help. Should I go ahead and refinance now, or wait? My employer offers both a traditional 401(k) and a Roth option. If I switch to contributing to the Roth, will my employer match still go there, and would it also be tax-free when I withdraw it? I recently replaced my old truck