What strategies should I use to manage my finances while transitioning between jobs, especially when moving to a new city as a student? Also as a 19-year-old turning 20, I have an account with First Bank, but it doesn’t seem to be helping m...

Hello. I do not know that I completely understand how to report the BOIR. I had opened a LLC in my name in 2023 as a pet breeder. The adult dogs/cats are our pets, and we treat them as such. So naturally, I talk to my husband regarding busi...

I have a Whole Life policy through my insurance agency. I am 64 yrs old. I rent and have very little debt. What is best, whole or term life insurance. I pay almost $55/month for this. It seems ridiculous to me $25,000 when I go be with Jesu...

Do you have any tips for how to deal with rental car scams? For instance the one where they require a receipt at return for fuel even though the tank itself shows full. And they charge a customer anyway.

Hello, my spouse and I are looking at preparing a will or Living trust?? I have no idea on what would be best and need assistance, does anyone know, where to start?

Hello,

I hope this letter finds you well. My name is Paul Tipton, and I am reaching out to you with a humble request for assistance. I am excited to share that I will be starting a new position as an at-home customer service and sales agen...

Hello everyone! I am thinking about opening up an account for a Roth IRA. I am 47yrs old, I work fulltime, I have 403B account with at least $130k in a moderate aggressive investment. I am recently divorced, and bought my own home with arou...

We must make a decision very quickly as to where to transfer our brokerage IRA from the present company. Fidelity is where our current advisor is switching to, but we have no idea if it is in line with our Christian values. Does anyone kn...

Hello I would like advice and resources to help paying off personal loans. I have a few personal loans I have taken in the past year due to a family crisis and also bad investment. My loan interest is between 15-17% and it's over $100,000....

Which one to pick do I go with a CKA? Or go with the online Sound Mind Investing membership? I have a large amount of funds that I will be dealing with. The funds are coming from a sale of some property.

Hello. Thank you for your wonderful ministry which guides me to become better a steward of God's money. I listen to your program daily and it is inspiring. I have some questions that I need help with. First, I have a live insurance that I w...

Hello everyone; I hope you are well. I write to ask for resources, e.g., books, on how to speak with heirs about one's estate. I have read Ron Blue's/Jeremy White's Splitting Heirs as well as listened to the 07/18/24 podcast. I am looking f...

I have a specific question about the possibility of contribution to an HSA in retirement. I know from my research that I would have to not be in Medicare and also be in a hdhp in order to contribute. My question is: are those contributions ...

My wife is not working and has debt piling in her name that's exceeding $30k. I was wondering if it would be in our best interest to take out a home equity loan to cover both our expenses with 5 kids and a $1.2k monthly mortgage payment wit...

Hello everyone, I’m looking for some insight.

I am 30 years old, and will be getting married in two weeks. I have a ROTH IRA through Raymond James with an non-fiduciary advisor who charges 1.25 % that has $33,000 in it. I contribute $250/...

How do I safeguard the deed to my house from hackers trying to steel my house?

My spouse passed unexpectedly this year. We had jointly IRS filed income taxes for 2013, 2015, & 2016. Since 2017 we filed married but single separately. My spouse had made arrangements for payments with the IRS. The IRS takes any refun...

I have a house that’s paid for, however I was given advise to take a loan out for less than half the value to pay off debt such as car loan at a high interest rate, credit card debt, school loan and hospital loan. That being said I could co...

I recently and unexpectedly lost my long term employment. I have one loan that I kept due to its 1.99% interest rate. I have the cash to pay off the loan but wonder if I should keep the money on hand to add to my emergency buffer before fin...

My husband recently passed away, so I’m trying to navigate big decisions. We had always had old cars because he didn’t believe in financing a car, he was able to take care of the repairs and if the car left me stranded he could pick me up. ...

I have two questions that go together. My spouse likes to have a "cushion" to use throughout the month and uses a credit card as a cushion. At the moment, it has us $7200 in debt with high interest, over 20%. My first question is, would...

As I attempt to setup my accounts, I'm finding the software is not very user friendly. I wish I could speak with someone after purchasing your Faith Fi software!!!

I have a question about identity monitoring services……. in light of the recent increase in data breaches. It seems as if there is a new data breach in the news every couple of weeks, and over the past few months, I've personally received no...

Do you think it is a good idea to put all your bills, groceries, gas, etc, on a credit card and pay off the balance at the end of the month? There are rewards that build up, and you collect points as you use the card. I have been told thi...

Hello FaithFi Community,

I’m interested in investing in property with this company called “Fundrise.”

Have any of you heard of it? (See link below.) And the bigger questions I have is “Do you see any concerns with utilizing this type of i...

Good morning, My husband and I are having difficulties in deciding what to do and we would love some clarity.

I am in my mid 40s, the hubby is late 40s. We purchased acreage some years ago, put a nice rv barn/workshop on it and have now de...

Does anyone know how/where to sell these (i.e., how to find a reputable buyer)?

1. Which envelope do I put credit card payment in and then the amount taking from my checking?
2. On the plan section, even though I set up on auto-fund, some of the envelopes are not showing funded, while some are.
3. If there is money le...

I just need prayer! I fell for a scam! The story is too long to write about but I owe the bank $2000 cause they say it was as my fault for giving the scammers my account number. I only had $30 in my checking account so knew I could not lose...

Good morning everyone, We are in a delimeia. My husband took out a retirement loan back in 2021. The pay back on it is 1,500.00 a month! The loan will be paid back in November 2025, so getting close!

My question is, should we get a perso...

We are looking to buy a new house 1100 miles from us now. As of last weekend, the real estate rules have changes for buyers. We are being pulled two ways, one realtor wants to be our exclusive agent putting us first, the builders agent want...

How can I choose index funds? How can I learn about that topic. I would like to start investing in index funds through my Roth IRA but I need to learn how to choose the right one. I have only 1k to start but I would like to add $25 biweekl...

I recently got a replacement credit card, and since then, the app is not tracking my credit card transactions. I even reconnected my bank account, and that hasn't worked.

Thanks for the assistance.

I’m selling 1 home I lived in for 20 years. I moved out in 2022 and selling it in 2024. Do I wait 2 full years to sell the second home I currently live in to help with my capital gains? Combined gains from selling both homes will be $300,0...

Hello, I am to be 62 this year, and only recently discovered that there are SS benefits available for Stay at Home wives/moms who don't have benefits for themselves. I'm trying to decide when to start to draw, knowing that there are 3 vary...

I am thinking about doing a Reverse mortgage. I know that FaithFi recommends Movement Mortgage.

Does anyone know if this is the same Movement Mortgage that agreed to pay the United States $23.75 million to resolve allegations that it viola...

On your program this week you shared links for college grants. You stated that a list would be placed on your website. I was unable to locate the list. Can you share it with me please? Marjie

Has anyone had trouble with printing an envelope balance report? It does not give the available balance in each envelope for me.

How can I get a free copy of my credit report. My credit score with experian dropped 150 from 850 to 700 for no reason. The other two reporting scores stayed at 800. I and 60 and retired. We buy everything with discover and pay in full e...

I'm 62 years old, my wife is 63 and has only ever worked part-time outside the home. We're wondering if she takes her smaller benefit now ($575) will she be penalized later when she claims spousal benefit when I reach full retirement age or...

I would like to know what are the best coverage for Homeowner and Car insurance policies

Hi, I currently have a credit card with a 15.9% interest rate, and I would like to roll over the balance to a lower interest credit card. The current balance is $3100 . I am asking if anyone has recommendations for which card offers the ...

My husband and I are moving to another state to be close to our children and grandchildren. We both have 401k at our current jobs. Our plan is to cash out and purchase our new home with those funds. We will be downsizing significantly so...

My wife and I worked very hard to pay off all out debt including our house. We have since established credit ratings in the 800s. With the recent rise of identity theft what would be a good platform to use to protect ourselves like life lo...

I am looking to sell my cabin..in doing so I may sell it for $50k more than I purchased it for. I also make approximately $90k per year. How do I know what my capital gains would be and would it put me in a different tax bracket??

Hi, I have about 3200 in an HSA I can no longer contribute to (change in employer/insurance plan that is not HSAQ). I'd like to move it to a location I can invest in a simple SP500 fund and "forget about it" for the next decade or so. I cur...

Is there a filter option to see only unverified transactions? Thanks

My church has a men’s Bible study that we are looking to start a topical study on financial stewardship, etc. Does anyone have any good book study recommendations that align with the Bible and touch on financial as well as being a responsib...

Good morning: my wife and I purchased a timeshare when we got married 22 years ago. I am now 57 years old. Lord willing, I would like to retire within the next ten years. As I get closer to retirement, I do not want the burden of paying...

I have a question clarifying spousal benefits for Soc Sec. I was married for over 10 years, have not remarried. My ex-spouse started collecting his SS at age 62. I am 58. Am I understanding correctly that I can begin SS at age 62 drawing ...

I've heard you say several times that if you sell a property that you will pay no taxes on capital gains if you earn less than ,$$40,000 because your tax rate is zero. Even if you profited $$700,000. Is this true when a business that you ho...

Hello, my wife and I currently use YNAB but are not loving the “sweep” that happens at the end of the month for CC transactions. It zeros out the envelope at the start of the next month, adding that balance to your CCs. Does FaithFi app ha...

Once you toggle this feature to "on" and reconcile accts, should the toggle button remain activated? I performed this functionality, but now the toggle button is turned "off".

I keep hearing that a trust is not necessary if you have a fairly simple estate and have a will and power of attorneys in place. Estimates for a trust are about $2000 - probate runs anywhere from $2500 to $3500? It seems it would be a whole...

I purchased my daughter’s car last year since she was going out of town.for college . I have $15,000 left on it to pay off. My interest is 9%. with Navy Federal credit Union . Do you think I should apply for a balance transfer credit card...

Is there a video tutorial on how to use this app? I was using EveryDollar but wanted to switch to FF for some savings. EveryDollar was very easy to use and intuitive…I’m finding that that’s not the case with FF.

I wanted to say thank you to Rob West and the team for the podcast. I’ll listen to a few of them each week while I’m getting ready for work. I really like how Rob reinforces a Heavenly mindset about money.

This particular podcast had a cal...

Hi, my name is David Kajuna and I’m 23 years old. Just a quick question, can I just open a mutual fund and put money in it every month? I heard this guy online and he said he opened one and put $100 in it every month. Is that a good idea? T...

I have 2 annuities that are making virtually no gains ($18,000+ and $2,000 +). I am 67 yrs. of age and will begin receiving my teacher retire and SS this month. My husband and I together have set aside emergency funds and he just inherited ...

My 30 year old daughter has about $6000 in credit card debt. The internet rate is 23%. She called to see if they would lower it but there were some requirements she wasn’t comfortable with. Someone suggested she take out a loan since the in...

I'm 50 yrs old and recently retired from 25 years in public education in Georgia. If I draw an early retirement monthly benefit, the penalty is around $900 per month, but I can keep my state health at $308 per month (covers me, wife, and d...

My name David, my sister-in-law that is a widow. Her home is paid off. She has an annuity. She has structural damage to her home in the amount of $27,000. What should she do? I believe she was gonna file a claim with her homeowners insuranc...

My wife (33) and I (35) are at a crossroads and trying to figure out what to do.

I make $62,000 and she is about to leave her job (3,400).

We have no debt (outside of house) and $8,000 in the bank.

Over the next year we could put away...

I’m considering retirement. How would I find a reputable Christian financial advisor in my area?

I see there is a verified transaction filter, but not an unverified transaction filter. Is there another way to create a filter or filter unverified transactions? Thanks!

Is there a way that we can use the equity in our existing house to get a short term loan to buy a new house before the old one sells. Our income is not high enough to just take out a home equity loan on our existing house. Any suggestions w...

I have a friend that needs help getting out of credit card debt. Trying to find the sponsor that is mentioned often on the show for this type of situation. I believe it’s Christian credit counselors, could someone help me confirm this. Than...

This was our first year to file our own taxes. A relative tax consultant was formerly available. I helped my daughter with her 1040 through IRS Free Fillable Forms. A day later, I realized I made a mistake in the figures, and resubmitted th...

I have funding setup as bimonthly and auto fund. The funding auto funded June 1, June 15 and June 30. Why did auto fund happen 3 times in one month on bimonthly?

Are there any investment accounts a grandparent can open for a teenage grandkids?

My husband is leery of banks and wants to invest some of our profit from the sale of our home in gold and silver? Is there a good rule of thumb or ratio of profit one should invest in these things? Also, can anyone recommend a trusted sour...

Should I go ahead spent my savings to replace my residential home tile roof, not leaking, but 20 years old due to current state matching grant to assist with the replacement? I have my emergency funds in a separate account and the roof will...

I'm in my seventies and planning on working a few more years. In my lack of putting my retirement in the forefront of my mind and planning I have very little in my 401K. I have worked for years and took care of other people instead of me....

My brother attorney said he couldn't find my dad's will. I was at the attorney office with my dad when the attorney made his will out. What is a good government website to go to. To find a lost will?

Or can the probate Court help me to fi...

My husband is 62 and will be exiting a family farming business. The plan is for him to be done December 31st, 2024, not necessarily to fully retire. However, we both are in agreement that it is time to move on mostly due to changes that w...

I am looking to purchase a home. Is it best to pay cash from the sale of my previous house or take out a mortgage so I have cash to fall back on for any emergencies or repairs?

Hello, I am new to the FaithFi app. Please help me get connected with where to start. There are so many resources and we specifically need advice on monthly budgeting and easy tools commit to each month. We have done other budgeting spreads...

Hey yall! I'm 17 planning on getting my first job for the summer in early July. I'm going into my senior year of high school and am going off to college on an athletic scholarship. I currently have a checking account and I want to make sure...

I have a 401 k account ,with TransAmerica from my previous job. I’m no longer working there. I had borrowed $$9000 from it back in 2022,to purchase a card for my daughter for college and I also had made 3 withdrawals from it when I moved to...

I am 68 years old and believe I have enough retirement saved for most of my life, except I have no long-term care insurance, which for my folks was a waste of money. An insurance person/ investment manager recommends purchasing a life insur...

I have annuity retirement account that has been locked for 8 years. Now I can move it to one of the retirement investments without surrender charge. What is the recommended investment company for retirement? One of the options I was told is...

My sister needs to pay off a debt of $4000 and wants me to cosign a loan. I do not feel good about that and don't want to. She is not very good with money and despite her good intentions I cannot guarantee that she will not default. I also ...

I sought out worldly pleasures instead of finding peace in God. I used online gambling to numb the pain of other addictions. With that being said I’ve found myself in a good amount of debt- $60k. I used national debt relief to stop the blee...

Being that the housing market is pretty competitive right now, we were wondering if we should pull out a HELOC for a down payment and a strong contract toward our next home. We would then sell our current home and pay off our existing mortg...

What is the best way to handle old envelopes in FF that I don’t need anymore? In this case its an envelope I set up for car payments and the loan was paid off a year ago. I’ve just left it and its transactions in place so far.

We're selling our home fsbo in ok and currently negotiating with a buyer... they are offering aprx 11-12% less than our listed price, which is the appraised value of the home from Oct. I'm wondering if we can legally ask buyers to pay al...

We are interested in building out an in-law suite in our unfinished basement in an effort to provide a home for our father who is needing more support these days. A bank in our community recommended a construction loan. Is taking a construc...

I have a question about financial planning, I am 41 year old widow with a 5 year old son. Is it a good idea for me to pay a financial planner to help me figure out my investment options for planning for my sons future as well as myself for...

I want help in understanding the pros and cons for Employee Stock Purchase Plan Or Roth IRA to make a decision. My work offers a benefit of purchase shares of the compony with 15% discount using a three-month "lookback feature". The discou...

Hi I am trying to find out if there are any accounts out there that my parents could open up to put money into from doing fund raisers so that my dad can get on liver transplant list? They are both retired on fixed incomes, I know they can’...

My husband is 60 and just started SSDI. We wont be able to pay off or Mortgage as planned before Retirement. We have 20 yrs left at $1,000 dollars a month payment. We are realizing that the payments are becoming a real financial burden. Wou...