Good morning everyone and God bless you all. I am wanting to pay off my credit card debts of over 40K. I tried to get a loan but was not approved due to my high usage to debt ratio, even with a credit score of close to 700. Instead, they su...

Hello, I was wondering what kind of information anyone has on High Yield Savings? I know American Express has one and some banks do. What do you think of them? Are they safe and what benefit does the bank or American Express get from them t...

In this week's Weekly Wisdom, we offered 4 activities to consider for the summer. We'd love to hear your summer ideas!

1. Check out church and community calendars for free events.
2. Go to nearby parks and playgrounds.
3. Serve your neighb...

Is there a way to download monthly plans into a spreadsheet?

ugh. Mevelopes user. unhappy about them closing down. my available for funding is -450. my credit card balances are correct as is my checking account balance. i assume it has something to do when i set my account up. how do i correct it?

So I have created a plan for each month from October 2023-December 2023 and had to delete plans I initially created for June-September. For some reason, the app or desktop version is not allowing me to go back in and create these months I i...

My husband's 401K is at around 1 million. We have an obnoxious ELOC loan of about 78K. It's now at a variable interest rate, currently 8.75%, which is certainly higher than the current earnings rate on the 401K. As our payment each month n...

Do I turn in a church job to social security-related

My wife tells me there is much talk about digital currency and making rules so digital currency expires and things of that sort. Can anyone address that, please?

Hi. I just wanted to make you aware that there seems to be a bad link at the bottom of this page...the very end of the page. https://app.faithfi.com/guide/quick-start-guide Just thought you should know. Thanks.

Is there settings to adjust the way the categories display? This is not helpful for those with vision issues. You cannot make it bigger. You cannot make it darker.

My wife cannot use this program on her iPhone without making it bigger o...

My wife has about $26K left on her private student loans, and we auto pay about $385/month to them at 4.75% interest. Would it be beneficial to pull a loan from my 401k plan to pay that off to save on interest? We are both 30 years old, and...

I would like to invest some IRA money and would like your opinion on this bonds. Thank you

How many should we have?

I recently retired and have an IRA account with a financial company. I am thinking of putting some money into a money market account. However, with the state of our economy and interest rates, is better to keep the money in the bank savings...

My wife has a $35,000 Whole Life Policy she has been paying on. Premium costs us approx. $9 a month after annual dividend is put towards the premium. We are 59 and 56 years old. I would not need the $35,000 upon my wife's passing as our ret...

Hello,

Thank you for all your advice.

My question involves 401k. I have just begun a new career 6 months ago. My employer offers a matching 401k; 50% with 6% of my biweekly pay. I have yet to start any contributions as I am currently arou...

My father passed away in March. He left his home and property, in Tennessee, to my sister and I, we live in Illinois.

When we sell do we need to claim it as income and do we get taxed?

Hi, I am wanting to put money into a high yield savings account. I don't know anything about which ones would be good. Can you recommend what on line banks would be safe..and is there anything I need to watch out ..look out for with looki...

I want to invest, I feel God would have me do this. My friend wants to make a documentary on his missionary grandmother promoting faith in Jesus Christ. Honest young man with the talent in this area. Concerns: Giving money for this venture...

I am curious how other people who are paid on a biweekly schedule manage the two “extra” paychecks per year. I say extra because most months have 2 paychecks, but two months of the year will have 3. Since I keep track of my expenses monthly...

My checking account was disconnected. Am trying to reconnect, but when I leave Plaid to get the code on my email, I am not directed back to the Plaid screen awaiting the code, but back to the beginning.

Does anyone have any good book recommendations for books to learn more about financial planning for the future? Thanks!

Is there a way to see how much money has been spent over a period of time in a particular envelope? For example, I would like to track my Amazon purchases for the year and was wondering how to do this in money wise....

Hi, would anyone here know if Merrell Lynch or Raymond James has any CKA’s working for them ? We need financial advice for retirement and have our 401Ks with these two companies

There is a lot of talk about many countries looking to no longer use the US Dollar. If this happens I believe the Dollar will lose a lot of value. Does anyone know if and when this might happen? If so what will it mean for us and our 401k a...

How do I set up a will?

Is there anything I should do to speed up transactions? I have a couple pending credit card transactions for April 29 purchases that came into FaithFi as pending on April 30, posted on my credit card account on May 1, but are still showing ...

I'm considering contributing to my new employer's 401k. I currently have a rollover IRA from a previous 401k. Should I start a new 401k or just invest in my current IRA? What are the pros and cons?

I am heading to the UK later in May to see family. I have some British pounds in cash, but I’m wondering if for additional expenditures if is better to take additional money needed out of an ATM in Britain, or to pay with a credit card that...

I’ve heard many callers ask about online bank accounts and Rob always names Marcus, Ally or Capital One. Are you aware of any concerns or problems with Discover Bank? Discover always seems to have interest rates within range of the other ba...

My son is in the military and acquired debt due to two car loans. He planned on selling the first car but a few months after he purchased a very expensive second car it started having transmission problems. He has fallen behind on car payme...

I was listening to moody radio the other day and I heard someone call in about debt consolidation and he gave the name and number of a free non profit company maybe Christian debt consolidation of something like that. Could someone tell me ...

We have a 2009 Honda Odyssey that we just found out needs a new engine. It would cost us more to replace than it's worth and there are no refurbished engines anywhere in sight, so what should we do? Should we try to trade it in or sell it o...

I have a 401k sitting from a previous employer. Would it be wise to Roll over to a Roth IRA and/or to invest in gold?

What is the best way to send money from the U.S. to Canada?

Thinking of cashing out 401k to pay off part of mortgage. Will I be able to claim the amount paid on mortgage on next year's taxes?

Taking money out of 401k as I understand would increase my income and put me into a higher tax bracket howe...

Our youngest son (21) is planning to attend commercial flight school in January. School will cost about $132k. They recommend financing thru sallie Mae. You can’t get traditional school loans for this. Sallie Mae approved him with us as a c...

I'm using FF manually, as the bank connection is not working with my bank yet. This month, I tried funding all my envelopes at the start of the month, which put my Available for Funding massively into the negative. That's fine with me. As t...

former emvelops user. using Faithfi for several months. still getting use to it. question. so even though there is a monthly plan, you are not able to fund your envelopes using that plan? i have been making individual transfers for each env...

I rec'd an email asking for participation in a Faith Fi survey. I also heard it mentioned on the air, but I can't seem to locate it on the web page. Has it been taken down? If not, where can I find it? Thanks

What in your opinion is the difference between pursuing worldly wealth and being entrusted with worldly wealth?

What banks are Christian and conservative?

It doesn't seem to allow me to plan for income, which seems like the problem. When I've tried to set it up, it doesn't work. So in the planning function, based on the amount I've scheduled to go into my envelopes, my planned expenses are al...

So after reading a few posts I created a Savings envelope for all my transactions for my connected savings account. So I can put all those transactions in there. My question then is when I transfer money from my savings account to checking ...

I just heard the resources given for funding college and searching for scholarships. I know of a place that teaches people how to go to college for free and graduate without debt! It's called The Scholarship System, CEO Jocelyn Pearson. ...

Are there guidelines on spending plan percentages per category on FaithFi like has been in past with Burkett, Dayton, compass! etc?

Is there a calcuator page with Faith Fi like there has been on Moneywise?

A variety of calcuators such a...

I currently use Facet Wealth for financial planning. The financial planners are fiduciaries. I received an email from them last week stating that the implemented ESG practices. I know there is a lot of controversy at the moment on whether E...

hello, does anyone know of an irs distribution and social security tax calculator. just started SS and would like to start some ira distibutions to stay in a lower tax bracket now and minimize future taxes. thank you

hello. Is anyone doing any T-bill investing? Any thoughts on the direction of t-bill interest rates? Thank you

My confusion is that there appears to be overlap between the debt envelope and the other envelopes. When I use my card to purchase items I assign them to the envelope. But I also see the outstanding debt that is still on my card and this se...

Hi! Me and my wife got a couple thousand dollars to invest and she’s asked me last night: Do you want to open a share certificate for $2,500 for 6 months? (This would be with our credit union, BTW) - I have no clue what that is or if it’s t...

Hello all,

My son is going to be taking over a couple of the household bills rather than continuing to write us a rent check every month. As such, I don't want to continue adding money to these envelopes via my monthly funding plan. I'm tr...

Hello, if I have been denied for a student credit card can I apply for a secured card since I know I will get it? Or should I/ do I have to wait several months like they say to wait when applying for credit cards for my credit score? I real...

My daughter and her husband are selling their current home and purchasing an older home from a Christian co-worker who will be moving out of the area next month. The home my daughter and husband are selling may not be sold in time to pay t...

Does the initial interest rate for an I-Bond remain the same for the entire 5 years or does it change every 6 months from the time opened or twice a year according to the Treasury Department's schedule? Thanks!

Hello everyone, I hope that everyone is doing well today. I have a question about National Debt Relief and wanted to know if anyone knows anything about them. They contacted me about trying to help me to lower my debts but I am leery about ...

How should I place a refund on a purchase? Can I just assign it the envelope where the purchase was made from or should I put it into income and transfer the money? Or does it make a difference?

It would be great to show current envelope balance on the plan page, in addition to Plan, Funded & Spent.

I did a transfer - one envelope to another which should be a net zero.....but I have funds showing in the "available for funding" section on the Envelopes page.

Now this makes me question that balance (which I just previously asked about ...

So I am constantly showing a positive balance in the available for funding section at the top of the Envelopes page.

I have two cc's we use and pay off monthly and then my checking and savings.

IF all transactions are assigned and IF my...

For those of use who use the pending transactions, it would be great if the memo line was visible. I like being able to verify a pending transaction and consider it "done", but if I want to add a description in the memo line, I have to leav...

Our credit score has fluctuated between 790 and 792 for the past 6 months. Once when I used my credit card for travel it increased. The score was reported at the same time I used it. When I immediately paid off the balance my score dropped ...

We recently received a settlement from a car accident. We proceeded to pay off all our bills besides our car payment and mortgage, wea wondering if all these zero balances will hurt us. We thought we would use a couple of cards for regularl...

I have been hearing from Fox News that we need to buy gold to sure-up our future because of the bleak down turn and inflation. Is this a good idea? Buy coins, bars, or stocks in mining companies? Which company is reputable to buy from?

Where is the best place to get your credit report?

Can I delete already created future planning and redo without impacting the current month?

I retired, and have money in a 401k that I want to use to generate interest income by investing in my sons real estate business. I understand I cant do this directly, but would it be considered "arms-length" if I invested with a non-relati...

Is there any way to mark the podcast episodes to know you have already listened to them?

We are considering selling our house that we purchased in 10/2021. Since it is less than 2 years I understand we would owe long-term capital gains tax. But when I look at the taxable income for married filing jointly,we would be under the 2...

Hi all,

We are in need of some cash to get us by until we reduce some monthly debt we have. My mother and I both have IRAs that we can pull from, but she also has what we need in her money market account. Is it safe to say that the money m...

This app can be frustrating sometimes. I will create a placeholder transaction so that I don’t forget what category I assigned to it, but then it gets erased when the pending transaction comes in or is posted and then it makes that new tra...

I am in deep debt. I am in 21000.00 credit cards debt. My income and my husband is not enough to pay the debt, pay the bills and buy food. I am always in negative with my budget. I cut everything that I can possibly think off and still str...

It seems to be importing my bank balance(including pending items) but not the actual pending transactions. This is making my envelope balances off. Does this make sense? I do not have the button "on" to ignore pending transactions.

I have a 401k plan with my former employer that I no longer can contribute to. The fees are minimal ($7.50 per quarter ). I thought about rolling over to an IRA with my local bank but the fees for this account $145000 at 1% would be way hi...

What are some examples of high quality long term bonds?

I had a medical bill that I couldn't pay because of my income and it went to a collection agency. I was advised to pay the agency and I made arrangements to pay a certain amount every month because the bill was high it will take me 12 years...

I’ve heard Rob talk about freezing your credit so no one can open an account in your name without a PIN. Just wondering how I do this. I recently got an email that said it was from a credit card company that I do not have an account with...

Hello: Can you give me the names of the "online" banks that Rob West has recommended for Savings accounts with higher interest rates than with local "brick and mortar" banks? He has listed them on broadcasts but I don't recall the names. ...

I think there was a mortgage company or perhaps a bank who was a sponsor of the radio show. Can anyone tell me what their info was? Or, give me a recommendation for another company who will be good at working with self-employment income si...

I received a notice in the mail that we underpaid our taxes, but the penalty ($23) was waived because it was the first time. We made what I thought were large estimated tax payments all year (federal). We didn’t make any state estimated t...

My husband is 62 years old and he has 350,000 in a 401K retirement account. He has been approached by a financial representative who has advised him to transfer this money into an indexed annuity. He does not fully understand how these work...

I understand there are several ways to pre-arrange/pre-pay for your funeral. I am a veteran and am interested in what would be best. The goal would be to reduce stress and expense on spouse or children. Thank you for any advice or pros a...

Does anyone else have problems with your bank staying connected to FaithFi? Also does anyone else have problems with transactions downloading? How often do your transactions download? I have to constantly reconnect to my bank and even wh...

Thank you for your ministry. I am a member of a 501(c)3 charity that has received several large donations of assets & funds to be used to support several different ministries. The discussion among our group is around maintaining the princip...

There's a new tech company in my small town that has bought up several properties & even started a mechanic shop & a community give away program. The first year they were strong & growing. This is the 2nd year & they have not paid their em...

Does FaithFi recommend any particular book and/or bible study materials for basic biblical financial management? This would be for someone who is just getting started with budgeting, saving, giving, investing, etc. and wants to learn good ...

FORGIVE ME FOR THE LENGTH- Greetings in the Name of our Lord. I work as head of our Church Financial Department. I have been for 33 years. On Sunday March 5, 2023-2 Senior Deacons proposed to the Congregation This-Directing ME to remove 5% ...

I need some tips on how to complete my W4 form. I recently started working part-time. I receive a SS check and a small pension. I don't want to owe the IRS alot of money at the end of the year. How do I avoid this? I appreciate any tips or ...

My husband’s employer told him today that if he makes less than 800.00 every two weeks then he’s not required to pay federal taxes. I haven’t heard of anything like this. Could it be because he’s drawing social security?It just doesn’t seem...

How often does plaid pull back data from banking and credit accounts?

On a regular basis I am having a negative amount showing for the available for funding amount. This is incorrect as my income and funded amounts are correct. But on any given day the negative amount can go from -$155 and then suddenly -$638...

We are fairly new to this and are trying to figure it out. We paid off our credit cards then added connected them to our account so they would be starting with a zero balance. We made a plan based on what income we should have coming in thi...

Hello. I'm a new user; this will be my first full month. I made my plan for income in the month of February, but then we sold something and brought in a new chunk of income. I didn't realize it should be indicated in the plan; I just create...

Is there a way to see what I funded greater then 30 days ago? I do not see a custom option in the reports section.

Does anyone here use the Wise Mastercard? I have family who live in Mexico, and am considering getting this card for when I visit.

I’m currently a math teacher (16 years and make approximately $90k) with a wife and 2 young kids. I have a masters in school business but have come to realize personal finance interests me more. I’d like to move into the financial advising/...

I'm just looking for a biblical perspective on receiving ERC tax credit-basically Covid money. We were very fortunate and our business never shut down and were busier than ever. I never received any Covid money personally or for my busines...

We have pending charges disabled as we found that it caused way more problems than it was worth due to amounts coming and going or changing before they were finalized. We just manually add transaction placeholders, and when the amounts mat...

I’m 30yo, very fit and healthy, non-smoker, and non-drinker. I’m looking for advice on which life insurance to choose and how much. Currently I make a little over 50k so I was advised that $1.1M is technically what I should get, but the low...