__What would you do if you discovered something so valuable—so life-altering—that you gladly gave up everything else just to have it?__

That’s the picture Jesus paints in two brief but powerful parables in Matthew 13. In verse 44, He says:

*“The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.”*

And again, in verses 45–46:

*“The kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.”*

__Joyful Surrender__

In both parables, something of immense worth is discovered, and the response is total surrender, not with reluctance or fear, but with joy. That joy is the natural overflow of encountering something so good, so worthy, so eternal, that it reshapes every other desire. Once the treasure is found, all other pursuits fade in comparison.

But let’s be honest—in today’s economy, with interest rates rising, inflation persisting, and headlines about layoffs, it doesn’t always feel like we’re standing on treasure. Maybe you’re grasping for financial security. Or lying awake at night, wondering how to make it through the month.

If that’s where you are, you’re not alone. The fear is real, but so is the invitation of Jesus.

__Our Ultimate Treasure Is a Person__

Jesus is saying: There is something more valuable than everything you own. And that “something” is actually someone—Him.

When Christ is your treasure, money loses its power over you. Your peace no longer rises and falls with the market. Your identity isn’t rooted in your paycheck, but in God's unshakable Kingdom.

The apostle Paul discovered this firsthand. In Philippians 3:7–8, he wrote:

*“Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.”*

Paul had status, education, and influence, but once he met Jesus, he considered them all secondary. He found the pearl and gave up everything to gain it.

The Macedonian believers in 2 Corinthians 8 offer another powerful example. Though living in poverty, Paul says they gave with joy and generosity. Why? Because they had found a greater treasure in Christ.

That’s the paradox of the Kingdom: when you loosen your grip on material things, you’re free to take hold of eternal ones. Giving becomes worship. Loss becomes gain.

__God Sees You__

Still, some days the treasure feels far away. Fear sets in. Anxiety whispers. Jesus understood this, which is why He reassures us in Matthew 10:29–31:

*“Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.”*

God sees you. He knows your needs. His care isn’t based on your net worth—it’s based on your worth to *Him*.

That’s the heart behind the 21-day devotional, *[Look at the Sparrows](https://www.faithfi.com/shop/sparrows)*. It was written to meet people right where they are—in the middle of financial fear and anxiety.

Each day helps re-center your heart on God’s promises, His provision, and His presence. Because when you’re in a storm, you don’t just need a budget—you need a Savior. And the good news? He’s near. As Jeremiah 29:13 says:

*“You will seek me and find me, when you seek me with all your heart.”*

__A New Way to See Money__

Jesus isn’t just part of your financial life—*He is your life*. When He becomes your treasure, money no longer defines you. You begin to hold what you have with open hands. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, *joy returns*.

So, if your heart is anxious today, remember the man who found treasure in the field, the merchant who discovered the pearl, and the Savior who invites you to find lasting treasure in Him.

__To go deeper, you can order *[Look at the Sparrows](https://www.faithfi.com/shop/sparrows)* at[ FaithFi.com](https://faithfi.com/). Just click “Shop” to place your order—or consider ordering in bulk for your church or small group.__

FaithFi

Articles

What would you do if you discovered something so valuable that you gladly gave up everything else just to have it?

The Treasure That Changes Everything

“There is always some sun around which the planets of our lives turn.” 

Let David Powlison’s imagery settle in. There is always a gravitational pull on something deep inside us. Our hearts are magnets, and there’s always an opposing pole. Always. We were made that way. 

Scripture gets at this with the language of “heart”** (*lebab *in Hebrew; *cardia* in Greek) or sometimes “kidneys” (Hebrew: *kilyah*). “You shall love the Lord your God with all your *heart* (*lebab*). . .” (Deut. 5:6). “My heart (*kilyah*) faints within me!” (Job 19:27). The language points to the deepest part of a person—the pith of the soul. This is the source of our motives. “All of our rational and volitional life,” writes Herman Bavinck, “has its point of origin in the heart and is governed by it” (*Wonderful Works of God*, 3). All rational and volitional life—all that we think and all that we desire. According to Scripture, the heart is the epicenter for everything a person does. 

**Jesus uses the image of a treasure chest.** Every one of our thoughts, words, and actions is a coin pulled from the heart’s coffer. “The good person out of the good treasure of his heart produces good, and the evil person out of his evil treasure produces evil, for out of the abundance of the heart his mouth speaks” (Luke 6:45). 

This is far more practical than we think because it applies to everything we do. One of the most important questions anyone can ask you about anything you do is this: ***Why* are you doing what you’re doing?** That’s a question of motive, a question of volition, a question of the heart. And it’s worth much more than we suppose. 




## **A Motive for Pennies**




Let me show you how. There’s a famous story from Mark’s Gospel called “The Widow’s Offering” (also in Luke 21:1–4). Jesus is at the temple with his disciples, sitting and watching a procession of people putting offerings in a box. Amidst the clangs and clamor, he waits and stares. And, indirectly, he uncovers motive; he sees a human heart in action.

41 And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. 42 And a poor widow came and put in two small copper coins, which make a penny. 43 And he called his disciples to him and said to them, “Truly, I say to you, this poor widow has put in more than all those who are contributing to the offering box. 44 For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all she had to live on.” (Mark 12:41–44)

**Usually, we jump to *proportions* to interpret what Jesus says.** The woman had little, so what she gave in proportion to what she had was much more than what others gave. But this misses the point. Jesus doesn’t say that her offering was more “for her.” He says simply that she has “put in more than all those who are contributing to the offering box.” 

**Her offering was *more*. Period.** 

It was greater, of higher value. To everyone else, this was a poor woman putting down a penny. To Jesus, it was a daughter of God dropping a mountain of gold. She out-gave everyone. How?

**Look at the source of her giving, her *motive*.** Everyone else there was giving out of their abundance. They were saying, “I have much, so I will give something.” But the widow gave out of her poverty. She said, “I have little, so I will give everything.” The logic sounds off, doesn’t it? She would have nothing left after this. Jesus says she gave “all she had to live on.” She opened her impoverished hand and went from deficient to destitute, from little to none. It sounds like financial suicide. Why would she do this?

That’s where the *heart* comes in. Remember the motive question: *why is she doing what she’s doing?* The text doesn’t say directly. But Jesus implies it. **The woman gives everything because she believes—she *actually* believes—that she already has everything . . . because she has *God*.** She has loving, trusting faith in the God who gives. God means all to her. God is the sun around which the planet of her life turns. 

That’s the only way she could do what she did. She truly loved God with *all* her heart (Deut. 6:5). In the pith of her soul, she is so full that she can let go of everything else. What is a penny compared to the God of glory? She trusts not only in God’s care for her but in God’s care for what she has. She knows that God can do more with her money than she can. God can do *more*. So she lets go. 




## **Motive Matters Most**




Many of us get hung up on earning and then investing our money in all the “right places,” but we don’t think about motive nearly enough. We don’t think about the *heart*. We don’t think about the sun around which the planet of our lives turns. **But the heart, to Jesus, is the most important.** 

Think about it: all the people at the temple that day looked like they were doing the same thing. They were all dropping coins in the coffer. From the outside, they were uniform. *But that’s not what matters most to the Son of God*. Like his heavenly Father (1 Sam. 16:7), Jesus looks at the heart. In that moment, he looked at the widow’s heart. He looked at the hearts of the religious leaders. And right now he looks at your heart and mine. What does he see?

**What matters most to God is not *what* you give; it’s *why* you give.** God wants to see that *He* is the sun around which the planet of your life turns. Because if He isn’t, then the only other possibility is that you’re one of the ones who gives “out of your abundance.” Giving out of abundance costs us little because it requires less faith, less heart. How many of the people that day thought twice about what they were giving? How much did the widow think about her own giving? After her fingers released their grip, it was all faith for her, from that moment on. She knew what she was doing. She was *worshiping*—giving all of herself for all of who God is and all he promises to be for us. And Jesus saw it.

Motive is everything to God. The heart is everything. The planet of your life is turning around something right now. What is it? And when the time comes, will you give out of poverty or out of abundance? 






*Pierce Taylor Hibbs (MAR, ThM Westminster Theological Seminary) serves as Senior Writer and Communication Specialist at Westminster Theological Seminary. He is the author of over 20 books, including the Illumination Award-winning titles Struck Down but Not Destroyed, The Great Lie, One with God, The Christ-Light, and [The Book of Giving.](https://https://www.amazon.com/dp/1736341138?) He lives in Pennsylvania with his wife and three kids. Learn more about his work at [piercetaylorhibbs.com](http://piercetaylorhibbs.com) or find him on [Substack](https://piercetaylorhibbs.substack.com).*

The heart of our actions is what matters most to God, and true worship is revealed not in what we give but in why we give—because motive is everything.

Motive is Everything

__*“The prudent sees danger and hides himself, but the simple go on and suffer for it.” –* Proverbs 22:3__

Life is unpredictable. Illness, accidents, or even death can strike without warning. And while we can’t control the future, we *can* prepare for it. Scripture calls us to live wisely, and one of the most practical expressions of that wisdom is planning ahead for life’s most serious emergencies.

Ask yourself:

- What if something serious happened to you or your spouse?
- If you were hospitalized, who would manage the household, pay the bills, or care for your kids?
- If you were to pass away unexpectedly, would your loved ones know how to locate critical documents and make necessary decisions?

In moments of crisis, the last thing your family needs is confusion. That’s why creating a household emergency binder can be one of the most loving and practical things you do.

__What Is an Emergency Binder?__

An emergency binder is a single, organized place for all your essential information. Think of it as a manual for managing your household in your absence. Your binder should include:

- Financial information
- Medical details and prescriptions
- Childcare contacts
- Monthly bills and due dates
- Funeral preferences
- Any other important documentation

Creating this binder may feel overwhelming, but it doesn’t have to be. Start by listing out your categories, then focus on just one at a time. Dedicate 30 to 60 minutes a day to gathering the documents and filling in each section. Step by step, you’ll build something of lasting value.

Once your binder is complete, print a physical copy and store it in a visible, secure place, such as a red three-ring binder in a fireproof safe. Also, keep a digital version stored securely in the cloud. Be sure to give access information (safe combinations, passwords) to a few trusted family members.

__A Simple Step of Stewardship__

No one likes to think about worst-case scenarios. But preparing for them is an act of love—an expression of godly stewardship that brings peace, not fear. When the hard moments come, your family will be grateful for the clarity and care you provided in advance.

For an easy way to get started, [Christian Money Solutions](https://www.christianmoneysolutions.com/) offers a pre-designed [Essential Emergency Binder](https://www.christianmoneysolutions.com/essentialemergencybinder), complete with more than 60 pages of templates and instructions. All you have to do is fill in the blanks.

__You don’t need to finish it in one sitting. Just begin. And as you do, remember: this is more than an organizational project. It’s a gift of love, peace, and wisdom to the people who matter most.__

Life is unpredictable. Illness or accidents can strike without warning. How do you prepare for them?

Why Every Household Needs an Emergency Binder

__The Bible contains more than 2,300 verses about money and possessions. That’s a staggering number—so there’s got to be a reason.__

But while the number is accurate, it can also be a bit misleading. Money itself isn’t what’s most important. What truly matters is what money reveals about our hearts.

Let’s unpack why Scripture talks about money so much—and why your financial life is ultimately a spiritual matter.

__Jesus Talked About Money—But Not for the Reasons You Think__

When Jesus spoke about money, He was never just talking about money. He was talking about something deeper—something eternal. His goal wasn’t to teach financial literacy. It was to expose the true condition of our hearts.

God’s Word uses money as a spiritual teaching tool. Why? Because no matter who we are or where we live, money is something we all have to deal with. Whether it’s groceries or giving, saving or spending, money touches every part of our lives.

That’s why financial struggles can feel so personal. Money can stir up stress, create confusion, and ignite conflict—especially in our relationships. But Scripture reminds us that the problem is rarely the money itself. It’s what the money reveals.

In Matthew 6:21, Jesus says:

*“For where your treasure is, there your heart will be also.”*

That’s the heart of the matter—literally. It’s not about how much you make or spend. It’s about what you value.

When we look beneath the numbers, we find a spiritual reality: Money is a mirror. It reflects what we truly trust, desire, and love.

__Money and Marriages: It's About Values, Not Amounts__

Consider how often money shows up in marriage conflicts. It’s frequently cited as one of the leading causes of divorce. But more often than not, the issue isn’t really about the dollars. It’s about values.

One spouse might want to save for the future, while the other wants to enjoy the present. One sees money as a way to bless others; the other sees it as a source of security. Neither view is inherently wrong—they’re just different. But when those differences clash, tension arises.

And in that tension, it’s easy to argue about expenses without ever addressing the deeper, spiritual divide.

__Every Spending Decision Is a Spiritual Decision__

It might seem strange to call a purchase—like a cup of coffee or a pair of shoes—a spiritual decision. But in a way, it is because every financial choice reflects our priorities.

In *Matthew 6:24*, Jesus says:

*“No one can serve two masters… You cannot serve God and money.”*

Jesus is inviting us to examine where our loyalty lies. That doesn’t mean we can’t enjoy what God provides. In fact, Ecclesiastes 3:12–13 affirms that we should:

*“I perceived that there is nothing better for them than to be joyful and to do good… everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”*

God delights in our joy. He’s not against lattes or leisure—He just wants those things to sit beneath, not above, our love for Him.

__What Do You Do When Values Collide?__

Whether you’re navigating money as an individual or a couple, the first step to peace is recognizing that financial disagreements are opportunities for spiritual growth.

And that growth starts with prayer. As our friend Howard Dayton says:

*“It’s hard to quarrel when you’re praying together.”*

Prayer invites God into the conversation. And as *James 1:5* assures us:

*“If any of you lacks wisdom, let him ask God… and it will be given to him.”*

Through prayer, we find clarity. Through humility, we find unity.

For couples, the next step is open, respectful communication. Talk about your values. Share your hopes. One of you might prioritize saving for retirement, while the other longs to create meaningful family memories through travel. Both desires can honor God—you just need to find common ground.

When needed, a financial advisor—especially a [Certified Kingdom Advisor (CKA)](https://www.faithfi.com/find)—can help you identify shared goals and build a plan that reflects both wisdom and faith.

__A Path Toward Unity and Growth__

Financial disagreements don’t have to create division. In fact, when addressed with humility and a desire to honor God, they can build trust and draw you closer—not only to each other but to Christ.

So, if you’re wrestling with a financial decision today—or feeling relational strain because of money—don’t walk through it alone.

Invite God into the process. Talk it through with someone you trust. And above all, remember this: __It’s not about the money. God wants your heart.__

__And when your heart is aligned with His, your financial life will begin to reflect the peace, purpose, and priorities of His Kingdom.__

The Bible contains more than 2,300 verses about money and possessions. That’s staggering, so there’s got to be a reason.

It’s Not About the Money

__Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. The real question is: Will you be ready for it financially?__

Great family memories don’t have to come with a high price tag. With a bit of intentionality and creativity, you can plan a vacation that’s both memorable and budget-friendly. Here are five tips to help you do just that.

__1. Start Planning Early__

The earlier you start, the more options you’ll have—especially if you're looking to save money. Booking flights and accommodations in advance often leads to better rates and more availability.

Pro tip: Use tools like [Google Flights](https://www.google.com/travel/flights) to explore affordable destinations. Just input your travel dates and click “Explore” or “Fly Anywhere” to find the lowest airfare across the country.

Also, take time to decide what matters most for your trip. Is staying near the beach a must? Would you rather cook your own meals than eat out? Set a clear trip budget and prioritize what matters most to your family.

__2. Find Free (and Fun!) Activities__

Every destination has hidden gems that don’t cost a dime. Search your destination online, along with phrases like “best free things to do” or “free local attractions.”

Many places offer scenic hikes, self-guided tours, free museums or exhibits, and even local festivals or concerts. These can become some of the most memorable parts of your trip—and they won’t touch your wallet.

__3. Involve the Whole Family__

Let your kids in on the planning process. Give each child a mini budget and let them plan a few hours of the trip based on that amount. This teaches practical financial skills and ensures everyone feels involved and valued.

Plus, you may be surprised by what simple experiences are the most fun!

__4. Be Smart About Meals__

Dining out adds up quickly. One way to save big is by staying at a hotel that includes complimentary breakfast. Then pack your own snacks or lunches to cut down on eating out.

Even if you're flying, you can still hit a local grocery store upon arrival. A loaf of bread, peanut butter and jelly, and some fruit and chips can feed the family for a fraction of a restaurant meal.

__5. Set a Daily Spending Limit__

Decide ahead of time how much you want to spend each day—and turn it into a family challenge! See how far you can stretch that amount without going over.

To stay on track, consider using daily cash envelopes, a prepaid card, or a budgeting app like FaithFi. The [FaithFi app](https://www.faithfi.com/manage) helps you track spending in real time and stay aligned with your goals—turning budgeting into a shared family value.

__Family vacations don’t have to mean financial stress. With these five simple strategies, you can enjoy a summer getaway that’s fun, meaningful, and financially wise. Start planning now, and get ready to make some unforgettable memories—all while staying on budget.__

Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. Are you ready?

5 Smart Tips for a Budget-Friendly Family Vacation

__*“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich”* (2 Corinthians 8:9).__

This week may feel somber, but it’s actually meant to be filled with hope. This Friday is Good Friday—a day Christians around the world set aside to remember the crucifixion of Jesus Christ. What happened on that cross over 2,000 years ago remains the greatest act of grace in human history.

Let’s reflect on what makes this day so good.

__Why We Call It “Good” Friday__

At first glance, the name “Good Friday” may seem odd. After all, we’re remembering the brutal death of Jesus on a Roman cross. But it’s good—not because the events were painless or cheerful—but because of what Christ accomplished through His suffering.

There’s sorrow in recalling the agony He endured. There’s weight in recognizing that it was our sin that led Him there. But there's also deep gratitude—for the love of the Father who sent His Son, and for the obedience of the Son who gave Himself willingly. Good Friday is good because it was the turning point of human history.

This is the day we remember that Jesus bore the full weight of our sins. He took our place, suffered our punishment, and reconciled us to God. The Cross is not just a tragic event—it’s a triumph of love.

But even as we mourn, we look ahead with anticipation. We know the end of the story: Resurrection Sunday is coming. Jesus’ death wasn’t defeat—it was the gateway to victory. His sacrifice purchased eternal life for all who believe.

__Financial Terms, Eternal Truths__

Here at [FaithFi](https://www.faithfi.com/show), we talk a lot about money—stewardship, budgeting, and giving. But did you know that Scripture often uses financial language to describe spiritual truths?

Words like debt, ransom, redemption, and inheritance fill the pages of the Bible. Why? Because those terms made the gospel accessible to everyday people—then and now.

Consider:

- __Romans 6:23__ – *“For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”*
- __Mark 10:45__ – *“For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.”*
- __1 Corinthians 6:20__ – *“You were bought with a price. So glorify God in your body.”*

These verses remind us that sin incurred a debt we couldn’t pay. But Jesus paid it—fully.

__“It Is Finished”: What Tetelestai Means__

One of Jesus’s final words from the cross was, *“It is finished.”* In the original Koine Greek, He said [tetelestai (τετέλεσται)](https://bible.org/question/what-does-greek-word-tetelestai-mean). That one word carried profound meaning.

In the ancient world:

- Servants used it to declare a task complete.
- Artists spoke it over a finished masterpiece.
- Priests used it after approving a spotless sacrifice.
- Merchants wrote it on receipts to indicate a debt had been paid in full.

So when Jesus cried out, *“It is finished,”* He was announcing the completion of His mission. The debt of sin was fully canceled. No balance remained.

Here’s the beauty of that moment: Jesus didn’t make a down payment on our salvation—He covered the whole cost. There’s no spiritual tab left open. No merit we must achieve. His grace is sufficient. We don’t live in spiritual deficit—we live in the overflow.

That changes everything.

We’re free from guilt, shame, and striving. Obedience becomes a joyful response—not a burden to gain God’s favor. In Christ, we have everything we need. We follow Him not to earn life but because in Him, we’ve already found it.

__The Goodness of Good Friday__

So, on this Good Friday, as you pause and remember the cross, listen again to Jesus's final words: It is finished. Let those words sink deep into your soul.

The debt is paid. The work is done. Salvation is secure.

You are loved beyond measure and invited into a life of grace, freedom, and eternal hope.

__And that’s why this Friday is so very good.__

This week may feel somber, but it’s actually meant to be filled with hope. Let’s reflect on what makes this day so good.

It Is Finished: Why We Call It “Good” Friday

__Imagine going back in time to evaluate a stock portfolio on Dec. 31, 1999. Over the prior five years (1995-1999), foreign stocks have performed well, nearly doubling in value (+95%). But then you look at your U.S. stocks, which have gained 2.5 times as much (+244%)!__

That huge performance disparity caused many global investors to pile into U.S. tech stocks during the dot-com bubble. Alas, from the dot-com bubble peak in March 2000, performance for these classes flipped back the other way. Over the next 7½ years, U.S. stocks earned a meager +13.5% (total), while foreign stocks were much better, gaining +69%.

Global investors have recently relived a similar, if even more dramatic, setup. Over the past 14 years, U.S. stocks have gained *four times* more than foreign stocks: +493% vs. +114% (13.6% vs. 5.6% annualized). As during the 1990s’ dot-com bubble, the default decision for many global investors has been to increasingly pile into large U.S. growth stocks.

__Catalysts are emerging__

The effect of 14 years of U.S. outperformance on stock valuations has been profound. The average weighted Price-to-Earnings (P/E) ratio for the MSCI U.S. Index is 26.5. For the MSCI World ex-US index, it’s just 16.1.

However, as SMI has written countless times, valuation is not a helpful timing indicator. Foreign stocks have been cheap for years now. The valuation gap tells us that if/when investors favor foreign stocks again, the reversal could pack a powerful punch. But it doesn’t tell us anything about *when* that is likely to happen.

What factors should we be watching for signs of a reversal between U.S. and foreign stocks? SMI has covered some of this ground before, specifically in the January 2024 article, *[Uncomfortable Regime Shifts](https://soundmindinvesting.com/articles/uncomfortable-regime-shifts)*. That article explained how the higher inflation environment since COVID has led to rising interest rates. Higher rates make “tangible” businesses more attractive relative to the more “ethereal” tech businesses that thrived during the recent era of ultra-low interest rates. Not coincidentally, the U.S. market is dominated by big tech companies (Magnificent Seven, etc.), while foreign markets are much less heavily weighted toward tech.

That’s a solid over-arching thesis to keep watch on. But as we’ve watched the opening months of the new [Trump 2.0 administration](https://soundmindinvesting.com/articles/trump-2-0-using-objective-investing-models-to-guide-us-through-anticipated-disruption) with keen interest, other factors have emerged to cause global investors to question their devotion to the “U.S. Exceptionalism” trade that has been the default in recent years.

__New administration policies tipping investor preferences?__

There’s considerable recent evidence that global investors are starting to vote with their feet. February and March have seen significant outflows of U.S. stocks, while foreign stocks are seeing huge inflows. Given the extent and duration of U.S. stock dominance in recent years (see chart below), we’re not willing to say this trend has definitively reversed. But given the massive degree of mean reversion possible after such a long one-sided move, it’s something we’re watching closely.


![](https://soundmindinvesting.com/assets/articles/l3-us-share-world-market-capitalization.png)


Here are a few reasons investors may be inclined to favor foreign stocks.

1. __Fiscal impulses are reversing.__
Over the past five years (since COVID), the U.S. has run enormous deficits, allowing the government to spend at a rate unprecedented outside of past wars or recessions. U.S. deficits of roughly 7% of our GDP have dwarfed the spending of other countries (most of whom have run deficits of 2-3% of their much smaller GDP levels). The net effect of this gusher of U.S. government spending has been much stronger U.S. economic growth than other countries.Suddenly, and somewhat unexpectedly, this is reversing. Much of the attention since President Trump’s inauguration has focused on cutting U.S. government spending. At the same time, tariff and treaty uncertainty has triggered numerous foreign nations to significantly boost their own plans for government spending.Put simply, the U.S. is *reducing* its fiscal spending while the rest of the world is *increasing* theirs. Government spending has a powerful short-term impact on the companies that receive it and their stock prices.
2. __Growth expectations are diverging.__
This is another angle on the prior point. The U.S. avoided a recession when most expected one in 2022-2024. In contrast, Europe and China suffered through recessions and now appear to be emerging out of them. Declining growth here vs. improving growth elsewhere changes the relative attractiveness of high-priced U.S. stocks vs. the relative bargains available overseas.
3. __Re-writing the global economic agreement.__
For many years, the global economy ran on the following rough equation: the U.S. bought everyone else’s stuff (exports), and then the rest of the world recycled many of the dollars used to buy those goods back into U.S. financial assets (stocks and bonds). That’s arguably been a bad deal for U.S. workers, but it’s been great for U.S. asset prices which have boomed.Now, President Trump has clearly stated his intent to rewrite this equation by increasing U.S. manufacturing. This means less U.S. buying of everyone else’s exports...and by logical extension, less foreign buying of U.S. financial assets.
4. __Interest rate differentials are closing.__
Interest rates are impacted by many factors, but one of the biggest is growth expectations. So it’s not surprising that after several years of very low growth expectations in major economies like Europe and Japan (plus China fighting through their own 2008-type financial crisis the past several years), improving foreign growth prospects are causing foreign interest rates to finally rise from the extreme lows of the past decade.More competitive rates at home make foreign investors incrementally more inclined to bring their capital home, rather than seeking higher yields in U.S. assets, including U.S. Treasuries. These global capital flows matter to national economies (money flowing *in* to a country creates a virtuous cycle for business, money flowing *out* tends to create challenges). And these flows matter a lot to financial markets.
5. __National pride.__
It’s easy to forget that while U.S. financial markets are disproportionately large relative to U.S. population or the U.S. share of global economic activity, the rest of the world combined isn’t far behind. International money managers control vast amounts of capital, assets that could potentially be on the move as the U.S. appears to become a less reliably friendly place for global capital.Opinions vary widely on some of the international decisions being taken by the Trump Administration. But even if they are necessary and appropriate, they clearly are triggering other nations to perceive them along a sliding scale ranging from pulling back from long-time friendships (Europe) to outright economic warfare and threats (Canadians are mad!). In addition to the purely logical points listed here, it wouldn’t be shocking to see emotions play a role in some foreign investors choosing to bring their savings back home
6. __Currency revaluation.__
Currency fluctuations are complicated, but here’s a high-level overview. When the dollar is *rising* in value relative to foreign currencies, foreign investors get a secondary benefit by owning U.S. stocks, as dollar profits are more valuable when converted back into their native currencies. Meanwhile, U.S. investors see the opposite effect from their own holdings of foreign stocks — foreign profits are less valuable because it takes more of them when being converted into stronger dollars.This dynamic flips when the dollar is *falling* relative to foreign currencies — foreign investors become relatively less enthused by U.S. returns, while U.S. investors get a boost from foreign stock returns.Many factors impact the value of currencies, so we don’t want to oversimplify here. But generally speaking, lower U.S. growth should lead to lower interest rates. Higher foreign economic growth should lead to higher foreign interest rates. These trends appear to be contributing to the dollar’s roughly -6% decline in value relative to foreign currencies since peaking in early January. The dollar decline has provided a recent tailwind to U.S. investors owning foreign stocks while potentially incentivizing foreign investors to reduce their holdings of U.S. stocks.
### 
__Broader options are a good thing for SMI strategies__

The factors we’ve reviewed here help explain why President Trump and Treasury Secretary Bessent keep repeating the idea that an adjustment period is required for the U.S. economy and that some pain may be ahead for U.S. asset prices. Starting points matter a lot in investing, and the reality is U.S. markets began 2025 with some of the highest valuations ever. In contrast, many foreign markets have very attractive valuations after being largely ignored for years.

Even if a rebalancing between U.S. and foreign markets is underway, it’s difficult to know whether this will be a rapid repricing vs. a trend that unfolds gradually. Either way, the SMI strategies will monitor this via our trend and momentum processes. Those processes led DAA into foreign stocks at the end of January, which has helped blunt the recent correction in U.S. stocks. (DAA’s foreign stock holding was up +11.2% year-to-date through March 25, while the S&P 500 was down -1.5%.) This month, [Stock Upgrading](https://soundmindinvesting.com/articles/stock-upgrading-new-fund-recommendations-for-april-2025) is buying a new foreign stock fund for the first time since December 2023.

Importantly, this isn’t the first time SMI has navigated a potentially significant trend shift away from large U.S. stocks and into foreign stocks. The years following the dot-com bubble saw huge outflows from large U.S. growth stocks that went into other parts of the market, including foreign stocks. Those years were some of SMI’s *strongest relative performance years ever*.

__The simple fact is that it’s difficult for active management to outperform when the biggest U.S. growth stocks are beating every other investment type by a wide margin. In contrast, active management tends to thrive when market activity broadens out to include foreign, small company, and value-oriented stocks. It’s too early to say definitively the trends have shifted in this direction, but the recent pickup in foreign stock returns has certainly grabbed our attention.__

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Investing

Have stocks shifted in a different Direction? Recent pickup in foreign returns has certainly grabbed our attention.

Time for Foreign Stocks to Shine?

__Puritan poet Anne Bradstreet once said, *“Wisdom without an inheritance is better than an inheritance without wisdom.”* That quote sums up the challenge many Christian parents face when considering how to pass down wealth to the next generation. [Studies show](https://olin.wustl.edu/about/news-and-media/news/2023/08/unequal-inheritances-on-the-rise-as-families-change.php) that about two-thirds of parents divide their estates equally among their children. While that may seem fair on the surface, it can sometimes cause more harm than good.__

Let’s explore how a biblical and thoughtful approach to inheritance can lead to better stewardship and deeper family unity.

__The Uniqueness Principle__

Every parent of more than one child has probably asked: *How can children from the same family be so different?* They grow up in the same environment, share the same DNA, and often have similar experiences—yet they turn out to be radically different in how they think, behave, and manage money.

This is where the *Uniqueness Principle* comes into play: __Love your children equally, but treat them uniquely.__

One child might have greater financial needs, while another might be better equipped to handle money wisely. Good stewardship acknowledges these differences and responds accordingly.

In our own family, my wife Judy and I have chosen to allocate varying amounts to each of our children, depending on their emotional, financial, and spiritual needs. This decision wasn’t made lightly. It’s the fruit of prayer, discernment, and conversations aimed at honoring both love and wisdom.

__Fairness Isn’t Always Sameness__

Many parents feel an internal tug toward “fairness” in the form of equal distribution. That’s understandable. No one wants to be accused of favoritism. But fairness doesn’t always mean sameness. It means doing what is *right*, not just what is *even*.

Of course, favoritism can lead to deep family wounds—just look at the story of Joseph in Genesis. His father Jacob *"loved Joseph more than any of his other sons"* (Genesis 37:3) and gave him a special coat that sparked jealousy and division. The issue wasn’t that Joseph was treated uniquely—it was that Jacob didn’t love all his sons equally.

__Biblical stewardship calls us to avoid favoritism and recognize the reality that equal love often requires unique treatment.__

For parents concerned about conflict or resentment, there’s one key strategy: open and honest communication. Talk to your children while you're still alive. Explain your heart, motivations, and desire to bless each of them in ways that consider their individual needs.

When families understand the *why* behind financial decisions, they’re more likely to remain united—even when those decisions are complex.

__Three Questions for Wise Wealth Transfer__

I’m not saying you *should* leave unequal inheritances. I’m saying you *might*—and the best way to know is to follow a thoughtful, prayerful process. Here are three questions that can guide your decision:

1. What is the worst (or best) thing that could happen if I transfer wealth to this child?
2. How serious is it?
3. How likely is it to occur?

The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that’s not the objective of these questions. The goal is to guide you toward a well-thought-out decision.

I also recognize that many parents worry about resentment among their children if they don’t divide assets evenly. The best way to handle this is through *clear communication*. Open and honest conversations while you’re alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity.

Ultimately, wealth transfer should reflect God’s wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered.

__So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God’s wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible.__

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.”

Should You Leave Equal Inheritances To Your Children?

*"Behold, children are a heritage from the Lord, the fruit of the womb a reward."* — Psalm 127:3

Welcoming a new baby into the world is one of life’s greatest blessings. It’s a time of joy, wonder, and, let’s be honest—sleepless nights. Along with the excitement, there are also important financial responsibilities to consider. A little planning now can help set your family up for success and ease financial stress down the road.

To help you get started, here’s a New Baby Financial Checklist—a guide to navigating key money matters for your growing family.

__1. Add Your Baby to Your Health Insurance__

Between late-night feedings and endless diaper changes, it’s easy to overlook paperwork but don’t let this one slip through the cracks. Most health insurance plans allow a 30-day window after birth to add your baby to your policy.

While updating your plan, check that it covers:

- Pediatric care
- Vaccinations
- Hospital visits (just in case)

Because having a baby qualifies as a "life event," you can adjust your coverage without waiting for open enrollment.

__2. Secure Life Insurance (For You, Not Baby!)__

Life insurance is one of the most important financial tools for parents. If something were to happen to you, having a plan in place ensures your family's financial security.

- The primary income earner should have term life insurance with a death benefit of at least 10 times their annual salary.
- The caregiving parent should also have coverage—even if they don’t earn an income—since the cost of childcare can be significant.

__3. Update Your Budget for Baby Expenses__

Your budget is about to change! A new baby means new expenses, so create a "Baby" category in your budget to track costs like:

- Diapers and wipes
- Baby clothes (they grow fast!)
- Baby food and formula
- Car seats, strollers, and cribs

If money is tight, consider adjusting other categories to accommodate these new costs. A well-planned budget now can prevent financial stress later.

__4. Create or Update Your Will__

Many parents put this off, but it’s one of the most important steps you can take. A will doesn’t just decide who gets what—it also names a guardian for your child in the event that both parents pass away.

This is a difficult decision, but prayerfully consider who would provide the best care for your child if the unthinkable happens. Once decided, finalize your will to ensure everything is legally binding.

Proverbs 13:22 reminds us: *"A good man leaves an inheritance to his children’s children..."* This inheritance can include wisdom and values, as well as financial assets.

__5. Build or Increase Your Emergency Fund__

If you don’t already have one, now is the time to start. Aim for three to six months’ worth of living expenses in an emergency fund.
With a baby, unexpected expenses are bound to pop up—whether it’s a medical bill, job loss, or an urgent home repair. Strengthening your financial safety net now can help you weather life’s surprises with peace of mind.

__6. Update Your Taxes__

A new baby means changes to your tax situation. Here’s what to do:

- Claim your baby as a dependent on your tax return—this could qualify you for up to a $2,000 child tax credit.
- Adjust your W-4 form at work to ensure your withholding aligns with your new situation. You may not need to have as much withheld, freeing up more money in your monthly budget.

Remember, aim for the smallest tax refund possible—you don’t want to give the government an interest-free loan!

__7. Start an Education Savings Fund__

It’s never too early to start saving for your child’s education. A 529 savings plan is a great option, offering tax-free growth when funds are used for:

- College tuition
- Private K-12 education
- Vocational or technical training

Even better, recent tax law changes allow unused 529 funds to be rolled into a Roth IRA for your child, giving them a head start on retirement savings!

__8. Freeze Your Child’s Credit__

One final step for financial protection is to place a credit freeze on your child’s file with the three major credit bureaus.

Unfortunately, identity theft can happen to minors, and fraudsters may attempt to open accounts in your child’s name. A credit freeze blocks this, keeping their financial identity safe until they’re old enough to use credit themselves.

Having a baby is a joyful, life-changing event, and planning ahead can make all the difference. By tackling this New Baby Financial Checklist, you’re taking steps to ensure a stable and secure future for your growing family.

God has entrusted you with this incredible blessing—now, with wise financial stewardship, you can provide for and protect your little one with confidence.

It's a blessing to welcome a new baby into the world. Here's a guide to navigating key issues for your growing family.

New Baby, New Budget: Your Financial Checklist for New Parents

__*"We love because He first loved us."* — 1 John 4:19__

Those six words beautifully capture the foundation of our relationship with God. We can only love and give because He first gave to us. This principle is woven throughout Scripture, including a remarkable account in Luke 8 that highlights the role of generosity in Jesus' ministry.

Luke 8 begins with a description of Jesus traveling from city to city, proclaiming the good news of the Kingdom of God. Alongside Him were His twelve disciples and a group of women who financially supported His ministry:

__*"Soon afterward he went on through cities and villages, proclaiming and bringing the good news of the kingdom of God. And the twelve were with him, and also some women who had been healed of evil spirits and infirmities: Mary, called Magdalene, from whom seven demons had gone out, and 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, having been healed of spiritual or physical infirmities, provided for Jesus and His disciples out of their resources. One name, in particular, stands out—Joanna, the wife of Chuza, Herod’s household manager.

__Joanna’s Journey: Receiving Before Giving__

Joanna was a woman of wealth, accustomed to a royal lifestyle. Yet, her journey of generosity didn’t begin with giving—it began with receiving. The Bible tells us that Jesus had healed her before she became one of His supporters.

Why does Luke include this detail? Perhaps to remind us that money alone doesn’t solve our problems—we must first receive before we can give. This truth extends beyond finances:

- We receive life from God before we can live.
- We receive intelligence, skills, and abilities before we can work.
- We receive love from God and our families before we can love others.

Paul asks in 1 Corinthians 4:7, *“What do you have that you did not receive?”* The answer is nothing. Everything we have is a gift from God, meant to be stewarded for His glory.

__The Virtuous Cycle of Giving__

Joanna’s generosity was not transactional—it was a response to Jesus’ love. She had experienced His healing and grace, and her natural response was to give back.

Later, in Luke 24, we see Joanna again. She is among the women at Jesus’ empty tomb, initially heartbroken and confused. But when she remembers His words, she runs to tell the apostles what she has seen. This shows us that generosity is a journey—a reflection of our deepening relationship with Christ. As we grow in faith, our giving becomes more sacrificial and joyful, mirroring the extravagant love we have received from Jesus.

Joanna’s story challenges us to examine our own giving. The Lord has led me to ask myself some important questions:

1. __What have I received from Christ that should shape my generosity?__ Do I truly recognize that all I have is a gift from Him?
2. __Am I a safe giver or a sacrificial giver?__ Am I giving only what’s comfortable, or am I stretching in faith?
3. __Does my current level of giving reflect how well I’ve received from God?__

I encourage you to ask yourself these questions. Be honest, pray through them, and see where the Lord leads you.

__A Prayer for Generosity__

*Lord, help me to recognize all that I have received from You. Grow my heart to be a conduit of Your love and generosity. Let my giving be an expression of gratitude, trust, and worship.*

*In the name of Jesus, I pray,*

*Amen.*

This principle is woven throughout Scripture, including a remarkable account in Luke 8 that highlights generosity.

The Generosity of Joanna: Giving as a Response to Grace

__More than 20 years ago, an idea known as “the latte factor” made its way through personal finance circles. In essence, this idea suggested that *small* daily spending decisions—buying expensive coffee shop coffee instead of making coffee at home, or buying lunch at a restaurant instead of bringing your lunch to work—cost people big-time.__

Proponents would run the numbers. “Just think, if you stopped spending $5 a day on fancy coffee during the week and invested that money instead, by the time you’re 70, you could be a zillionaire!”

Although the idea certainly has merit, getting *big* financial decisions right—how much you spend on a house or car, for example—will be far more impactful. The same can be said with investing. Getting the big things right is crucial.

__The big things__

Successful investing has much more to do with behavioral factors than financial factors. In other words, it has more to do with how *you* behave than how the *market* behaves. That should come as good news because, while you have no control over what the market does, you have a lot of control over what you do.

Here are seven big factors that will have a significant impact on your success as an investor, all of which are within your control.

- __Whether you have an investment plan.__
At one point in “Alice in Wonderland,” Alice asks the Cheshire Cat for directions. When the cat says, “That depends a good deal on where you want to get to,” Alice says, “I don’t much care where.” To which the cat replies, “Then it doesn’t matter which way you go.”You probably aren’t so nonchalant about where *you’re* going. To get to your destination, it’ll help to have a plan. A retirement plan starts with your target retirement date and how much you’re hoping to have in your retirement portfolio by then. Next, you’ll be able to figure out the best steps for getting there.
- __How much you invest each month.__
Generally speaking, for those in the accumulation phase, investing 10 to 15 percent of your monthly gross income should be enough to build a sufficient retirement nest egg. But it depends on how old you are, when you plan to retire, and how much you’re aiming to save. You can get more specific by using [MoneyGuide](https://soundmindinvesting.com/articles/planning-is-always-a-work-in-progress-moneyguide-can-help), a powerful retirement planning tool available to SMI premium members for a small one-time fee, or another retirement planning calculator.
- __Your asset allocation.__
There’s no such thing as the perfect portfolio that will put you on the right side of every market move. The “right” mix of investments is the one that generally matches your time frame and risk tolerance.If you’re using SMI’s Fund Upgrading or Just-the-Basics strategies, take SMI’s [risk tolerance quiz](https://soundmindinvesting.com/start-here/risk-tolerance-quiz). That will help you determine an appropriate level of risk in your portfolio. And *that *will help your portfolio generate the level of gains you need from a growing market as well as an acceptable level of losses in a downturn.
- __How you choose investments.__
One of the most common mistakes in investing is deciding too quickly what to invest in. The financial press fosters this, constantly touting this investment or that, as if any particular investment is right for everyone. It’s all very ad-hoc, reactionary, and stressful.It’s far more effective to choose an objective, process-driven investment strategy that tells you how to build a diversified portfolio, when to sell a particular holding, and what to buy next.
- __Your point of comparison.__
To report on the stock market’s performance, the financial press uses an index like the S&P 500. It’s tempting to use it as the benchmark for your** portfolio.However, unless you are solely invested in an S&P 500 index fund, that’s the wrong point of comparison. The right one is the average annual return your portfolio requires to accomplish your goals.
- __How often you look.__
If you pay close attention to the stock market, it can drive you crazy. It goes up, it goes down—seemingly without rhyme or reason. SMI’s primary strategies are updated once a month. That’s often enough to check on the market.
- __Your level of commitment.__
With investing, as with life, it’s easy to think “the grass is always greener on the other side.” To play the comparison game. To head in one direction, only to read a headline or see a promotion that makes you wonder if you’re moving in the right direction.Choose your strategy with care, commit to it, and stay with it.
### 
__The little things__

If you’ve gotten those *big* things right, you’ve taken some of the most important steps toward investing success. However, it will help a lot if you also let go of the following.

- __Daily market “news.”__
At the end of every trading day, investment reporters are tasked with the unenviable job of explaining why the market did what it did, so they list a reason or two. But what moves the market is usually far too complex to boil it down to a simple explanation. And more importantly, most days’ market news doesn’t even matter. Remember, you’re not in it for every market wiggle. You’re in it for the long haul.
- __The “what-if” game.__
On slow news days, investment reporters often resort to this click-bait script: “If you had invested $1,000 in XYZ company 30 years ago, it would be worth $100,000 today.” Or maybe you were seriously considering a certain investment some time ago but took a pass. You check up on it every now and then and, of course, it went to the moon. Now you torture yourself with an occasional round of “what if?”A related expression of this is questioning one particular investment in your portfolio. Diversification, which reduces risk, recognizes that it’s impossible to know which individual portfolio holding will outperform. Holding numerous investments that were chosen through an objective, rules-based process, puts the odds of success in your favor.The sooner you quit the what-if game, the better.

On this side of heaven, life will never be perfect. That isn’t bad news, it’s helpful news. With investing, it reminds us to focus on getting the big things as right as we can while letting go of the little things.

__[Image](https://soundmindinvesting.com/articles/getting-the-big-moves-right)__ used  with permission

With investing, let's focus on getting the big things as right as we can while letting go of the little things.

Getting the Big Moves Right

__God is not silent on the topic of money, both spiritually and practically. Proverbs is filled with practical principles that can shape our approach to managing the money that God has entrusted to us. Whether you are striving to save for the future, create a zero-based budget, or make wise investments, the wisdom found in Proverbs provides timeless guidance that can inform your financial planning.__

Let’s explore how the Book of Proverbs can guide us in saving, budgeting, and investing.

__1. The value of diligence and hard work in saving (Proverbs 10:4; Proverbs 12:24).__

In a world consumed with immediate gratification, the idea of diligence and hard work can almost seem countercultural. Proverbs speaks frequently about the value of hard work and how it leads to prosperity. Proverbs 10:4 says, “Lazy hands make for poverty, but diligent hands bring wealth.” Proverbs 12:24 adds, “Diligent hands will rule, but laziness ends in forced labor.”

This principle teaches that consistent effort in both work and financial discipline can lead to long-term stability. Modern-day saving isn’t just about setting money aside occasionally—it’s about establishing a diligent, consistent approach.

__How can you live this out in your finances?__

First, set financial goals.  Establish clear, achievable saving goals and remain disciplined in regularly contributing to savings or investment accounts. Second, create a monthly saving routine. Just as one sets aside time for work, setting aside time for saving is essential. Consistency in saving—even small amounts—can accumulate over time. Remember this formula:

*A little bit of money + A lot of time = A lot of money*

__2. Avoiding debt and living within your means (Proverbs 22:7; Proverbs 21:20).__

The Bible repeatedly warns against the dangers of debt and emphasizes the importance of living within one's means. Proverbs 22:7 says, “The rich rule over the poor, and the borrower is slave to the lender.” And Proverbs 21:20 reminds us, “The wise store up choice food and olive oil, but fools gulp theirs down.”

Living on borrowed money leads to financial slavery. Proverbs encourages us to live wisely, avoid unnecessary debt and be thoughtful in our financial choices.

__How can you live this out in your finances?__

First, establish a budget (Blueprint for Mission). Create a budget that limits debt accumulation and ensures your spending does not exceed your income. Second, pay off your existing debt. Use the debt snowball method to eliminate your debt, targeting the lowest balance debt first. This excludes your mortgage.

__3. The importance of planning and strategic investing (Proverbs 21:5; Proverbs 24:27).__

Proverbs stresses the importance of careful planning and diligence, both of which are essential to sound financial management and long-term financial health. Proverbs 21:5 says, “The plans of the diligent lead to profit as surely as haste leads to poverty.” Proverbs 24:27 tells us, “Put your outdoor work in order and get your fields ready; after that, build your house.

This teaches us that financial success requires forethought and the wise allocation of resources. Similarly, when it comes to investing, we are advised to plan ahead and not act impulsively.

__How can you live this out in your finances?__

First, create a financial plan. Pray and consider where you want to be financially in the next 5, 10, or 20 years. Plan how much you need to save or invest to reach your goals. Second, diversify your investments. Diversification of investments can reduce risk and increase the possibility of long-term growth.

__4. Saving for future needs (Proverbs 6:6-8; Proverbs 30:24-25).__

The idea of setting aside resources for future needs is woven throughout Proverbs. Proverbs encourages us to prepare ahead, even in times of plenty, so that we are not caught unprepared when challenges arise. Proverbs 6:6-8 talks about the wisdom of the ant, which “stores its provisions in summer and gathers its food at harvest.” This speaks to the importance of saving and preparing during times of abundance to cover periods of scarcity. Proverbs 30:24-25 says, “Four things on earth are small, yet they are extremely wise: Ants are creatures of little strength, yet they store up their food in the summer.” The ants don’t wait for a crisis to begin preparing. They are proactive, saving in the good times so that they are provided for in the lean times.

__How can you live this out in your finances?__

First, make sure you have an emergency fund (Money Milestone 5). Just as the ant prepares for the winter, we should save for unexpected expenses or periods of unemployment. Second, save for retirement (Money Milestones 3 and 6). Start early. Like the ant, the earlier you start saving for retirement, the better prepared you'll be when it's time to retire.

__5. Contentment and the right attitude toward wealth (Proverbs 30:8-9).__

Proverbs teaches the value of contentment and warns against greed. Wealth is not an end in itself but a means to honor God, serve others, and advance His Kingdom.

Proverbs 30:8-9 says, “Give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have too much and disown you and say, ‘Who is the Lord?’ Or I may become poor and steal, and so dishonor the name of my God.” This verse highlights that wealth should never be pursued at the cost of godliness. It suggests that financial security comes from a balance of contentment and proper stewardship.

__How can you live this out in your finances?__

First, guard against greed. Avoid the temptation to accumulate wealth for selfish reasons. Focus instead on how your financial success can serve God and others. Second, pursue financial contentment. Strive for contentment in your current financial situation, even while setting financial goals. A discontent heart often leads to hasty or unwise financial decisions.

__6. The blessing of generosity and giving (Proverbs 11:24-25).__

Generosity is a central theme in Proverbs, and it underscores the blessing that comes from giving to others. Proverbs 11:24-25 says, “One person gives freely, yet gains even more; another withholds unduly, but comes to poverty. A generous person will prosper; whoever refreshes others will be refreshed.” This principle applies to all areas of life, including finances. Saving isn’t just for personal gain, but to enable you to bless others when opportunities arise.

__How can you live this out in your finances?__

Practice generosity. When you get paid, give a portion to God. You can do this by giving to your local church. After you have given to your church, consider being generous to other Kingdom-advancing non-profits.

The wisdom of Proverbs offers an approach to financial management that includes hard work, strategic saving, wise investing, and generous living. By following these biblical principles, Christians can create a financial foundation that honors God and provides for their families and communities.

__[Image](https://www.christianmoneysolutions.com/blog/6-ways-the-proverbs-can-guide-your-financial-management)__ used with permission

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

The More Than Money Podcast helps listeners get financially healthy for the sake of giving and living generously. In each episode, Art Rainer provides fun, practical, biblically-based financial advice through interviews and listener questions. Our goal with this podcast is for you to understand God's design for you and your money as you learn to give generously, save wisely, and live appropriately.

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