__Were you to survey married couples about their money-management goals, most answers would focus on some form of financial success. Most people strive to accumulate better houses, nicer cars, more toys, and bigger retirement accounts. But when it comes to the dream of financial prosperity and security, we should ask, “Whose dream is it?” It may be the American dream—but is it the dream of the risen Jesus? And since what glorifies him is also for our good, is it a dream that’s ultimately in the best interests of our family?__

The process of discovering God’s countercultural will about money and possessions can both excite and liberate. For my late wife, Nanci, and me, our growth in financial stewardship paralleled our spiritual growth. In fact, it propelled it. We learned about faith, grace, commitment, generosity, and God’s provision. We had challenging giving discussions that ultimately strengthened our marriage and bonded us around the common goal of investing in eternity.

Using the word *makarios*, which means “happy-making,” Jesus said, “There is more happiness in giving than in receiving” ([Acts 20:35](https://ref.ly/Acts%2020.35;esv?t=biblia) GNT). Nanci and I found that happiness, not duty, permeates a God-honoring theology of money. When grace-saturated, kingdom-minded disciples use God’s money and possessions, we fulfill the first and second greatest commandments. We store up treasures in heaven and “take hold of that which is truly life” ([1 Timothy 6:19](https://ref.ly/1%20Tim%206.19;esv?t=biblia)).

The following principles can help you and your spouse develop a lifestyle of good stewardship that will yield dividends, now and *forever*.

__1. Recognize the dangers of a possessions-centered life.__

Although there is nothing inherently wrong with money, something is desperately wrong with *devotion* to money. “Those who desire to be rich fall into temptation, into a snare. . . . For the love of money is a root of all kinds of evils” ([1 Timothy 6:9–10](https://ref.ly/1%20Tim%206.9%E2%80%9310;esv?t=biblia)).

Understanding the dangers of materialism can liberate us to experience the joys of Christ-centered stewardship. Jesus speaks of the “deceitfulness of riches” ([Mark 4:19](https://ref.ly/Mark%204.19;esv?t=biblia)). The psalmist warns, “Though your riches increase, do not set your heart on them” ([Psalm 62:10 NIV](https://ref.ly/Ps%2062.10;niv?t=biblia)). None of us is immune to the value-changing nature of wealth.

Things have mass, mass exerts gravity, and gravity holds us in orbit around the things we accumulate. A friend told me that when he and his wife were first married, they spent their time taking walks, playing games, and reading together. They were content. Later, as their income rose, they found themselves trapped by shifting priorities. Little by little, money and possessions took precedence over God, church, and meaningful time together.

Studies and anecdotal evidence have shown a connection between an increase in income and marital infidelity, since having access to more money can provide greater temptation and opportunity to sin. Of course, the point is not the income itself, but the lifestyle it underwrites. A Christian can make a million dollars a year, give generously, live modestly, and avoid much of that added temptation to immorality. It is not how much we make that matters. It is how much we keep.

How can we recognize if we are falling into materialism’s trap? “Where your treasure is, there your heart will be also” ([Matthew 6:21](https://ref.ly/Matt%206.21;esv?t=biblia)). Jesus is saying, “Show me your bank statement, your credit card statement, and your receipts, and I’ll show you where your heart is.” What we do with our money is an inarguable statement of our values.

God declares, “Whatever is under the whole heaven is mine” ([Job 41:11](https://ref.ly/Job%2041.11;esv?t=biblia)). God’s ownership of everything provides the foundation of a biblical theology of money* and* the antidote to materialism. Acutely aware of the fact that what we have is God’s and not ours, faithful money-managing stewards regularly consult him to implement his biblical investment priorities.

__2. Make generous giving a priority.__

I encourage you to commit to giving regularly to your local church and, above and beyond that, to missions and other ministries. Begin by setting an amount to give — I recommend not less than 10 percent — and stick with it so you honor God with your firstfruits ([Proverbs 3:9](https://ref.ly/Prov%203.9;esv?t=biblia)). If you want him to bless your family’s finances, don’t place yourself under the curse of disobedience.

As thunder follows lightning, giving follows grace ([2 Corinthians 8:1–2](https://ref.ly/2%20Cor%208.1%E2%80%932;esv?t=biblia)). If God’s grace touches you, you can’t help but give generously! Then, when God entrusts you with more, remind yourselves why: “So that you can be generous on every occasion” ([2 Corinthians 9:11 NIV](https://ref.ly/2%20Cor%209.11;niv?t=biblia)). (Contrary to the health-and-wealth gospel, God prospers us not to raise our standard of living, but to raise our standard of giving.)

If you have not been in the habit of giving, it can be challenging to begin. However, I ask people, “If you got a 10 percent pay cut, would you die?” Of course not! God is big enough to take care of you if you step out in faith and return to him what is his in the first place. (Even though I think in most cases people really can afford to give away ten percent, obviously if you believe it is impossible for you to do so or your children would go hungry if you did, then by all means feed your family and God will be pleased if you do. I am just encouraging you to take an honest look at whether you are spending money on non-necessities that you could have given away without inflicting suffering on your family.)

What if you and your spouse are not on the same page about giving? I learned over the years that my desire to give sacrificially could sometimes feel insensitive to Nanci. When I learned to be more generous with her (and our daughters), Nanci no longer felt that giving to kingdom causes competed with our family’s needs. Through many conversations, she learned to find increasing joy in giving, and I learned to find increasing joy in growing together and leading—but not pushing or pulling. We were holding hands, even if sometimes one of us was a step ahead. (As the years went by, the one ahead was increasingly her.)

Of course, God wants us to do many good things with money that do not involve giving. We must provide for our family’s basic material needs, for example ([1 Timothy 5:8](https://ref.ly/1%20Tim%205.8;esv?t=biblia)). But these good things are only a beginning. The money God entrusts to us is eternal investment capital. Every day is an opportunity to buy up more shares in his kingdom!

__3. Set a budget so you can spend and save wisely.__

Since the long-term consequences are severe when a couple disagrees about money, I can’t stress enough the importance of discussing financial matters. Start by making a careful record of spending so you can find out where your money is currently going. Then determine where it *should* be going. This will become the basis for your budget. (When I was a pastor, I met with families who followed a budget and did fine on a meager income. I met with others who made much more and were regularly in financial crisis.)

For some, the most practical way to budget is the envelope system. When paychecks are cashed, the cash goes into envelopes designated for giving, housing, food, gas, utilities, entertainment, clothing, saving, and so on. If nothing is left in the entertainment envelope halfway through the month, no more movies or eating out. If we overspend in one area, we must underspend elsewhere to compensate. The envelope system may seem antiquated, but it teaches us that resources are limited, which is an invaluable lesson.

What is the right balance between how much we give, use for needs and wants, and save? I believe the tension reflected in that question is healthy. We can prayerfully seek God’s guidance, determined to follow his lead as best as we can discern it.

Jesus tells us, “Seek first his kingdom and his righteousness, and all these things [what you eat, drink, and wear] will be given to you” ([Matthew 6:33 NIV](https://ref.ly/Matt%206.33;niv?t=biblia)). Unlike the pagans who “run after all these things” and “worry about tomorrow,” believers can trust God ([Matthew 6:25–34](https://ref.ly/Matt%206.25%E2%80%9334;esv?t=biblia)). If we believe that God can create us, redeem us, and bring us through death to spend eternity with him, we can take him at his word when he says he will provide for our material needs.

__4. Avoid debt, except in rare instances.__

The choice to live under debt (except in manageable amounts, such as with a mortgage payment well within your means) is ultimately deadening to the soul and to a marriage. It is always unwise to live above your income. It will invariably produce conflict in your marriage.

Trust means believing God will take care of our needs. When we go into debt, however, we usually do so to obtain wants, not needs. So the Bible cautions us against debt. The ESV translates the beginning of [Romans 13:8](https://ref.ly/Rom%2013.8;esv?t=biblia), “Owe no one anything.” This would appear to prohibit debt. The NIV reads, “Let no debt remain outstanding.” This would allow debt, if paid off as soon as possible.

Not all debt is the same, however. I’m sympathetic to those in situations where, after prayer and evaluation, debt seems the only alternative. In such cases, nothing is wiser than giving first to God, cutting back expenditures, and systematically paying off debt as aggressively as possible.

Some consider mortgages an exception to avoiding debt, and a case can be made for borrowing to buy a reasonably priced house instead of renting. Unfortunately, many aspiring homeowners buy a house outside their budget. A couple I know assumed a large mortgage that depended on both of their incomes. When the wife became pregnant, they realized that to keep the house, they would have to violate their convictions against leaving their child in a day-care center while the mother worked.

What about credit cards? Some use them for convenience, paying off the amount owed on every statement to avoid interest. Nanci and I did this. This approach has advantages, but it also has drawbacks. The very convenience of having a credit card is often a liability—and constitutes temptation. Here are some prudent guidelines:

- Never use credit cards for anything except budgeted purchases.
- Pay off your credit cards every month.
- The first month you have a credit card bill you cannot pay in full, destroy the card, pay it off, and don’t get another one.
#### 
__5. Enjoy life to God’s glory.__

As believers in a materialistic culture, we should embrace lifestyles that free up money to further the progress of the gospel. And yet, the answer is not asceticism, believing that money and possessions are inherently evil. Our God is a lavish giver ([Romans 8:32](https://ref.ly/Rom%208.32;esv?t=biblia)). He provides pleasures and comforts he desires us to enjoy: “So, whether you eat or drink, or whatever you do, do all to the glory of God” ([1 Corinthians 10:31](https://ref.ly/1%20Cor%2010.31;esv?t=biblia)).

Over the years, Nanci and I spent reasonable amounts of money on vacations that served to renew us. Even when our girls were small, we would have a date night, believing one of the best things we could do for our children was to maintain a strong marriage. (Make it a priority to date your spouse. Put it in your schedule and budget!)

Scripture says we are to put our hope not in material things but “in God, who richly provides us with everything for our enjoyment” ([1 Timothy 6:17 NIV](https://ref.ly/1%20Tim%206.17;niv?t=biblia)). That means we shouldn’t feel guilty for enjoying his provisions! God does not expect his followers to live like prisoners in a cell, never feasting or celebrating life. He entrusts us with money to care for our needs and the needs of others, but also so we can take pleasure in the life he has given us.

__Invest in Eternity—Together__

Many Christians store up their treasures on earth. They end up backing into eternity, heading away from their treasures. Christ calls us to turn it around—to store up our treasures in heaven. That way, every day moves us closer to our Treasure.

In her last years, Nanci and I reflected on the ways, by God’s grace, we had invested in eternity and served the Lord Jesus together. What lay behind us was meaningful, but what awaited us on death’s other side was what we spent our lives preparing for.

Shortly before she died, I was holding Nanci’s hand, and she said, with a smile and tears, “Randy, thank you for my life.” I replied, also crying, “Nanci, thank *you* for *my* life.” God had used us to grow each other spiritually and make us better followers of Jesus. We certainly didn’t do everything right, but with God’s help, we sought to store up far greater treasures in heaven than on earth.

__I encourage you to put Christ in the center of your marriage and finances. You will never regret it. The eternal payoffs will forever bring you joy and your Savior glory!__

__[Image](https://www.epm.org/resources/2024/Nov/20/steward-money-marriage/)__ used with permission

Eternal Perspective Ministries, founded and directed by author Randy Alcorn, is focused on investing in what lasts for eternity, and helping others to do the same.

Eternal Perspective Ministries

Articles

In surveying married couples about their money-management goals, most answers would focus on some form of success.

For Richer, for Poorer: How to Steward Money in Marriage

__Jesus said, *“I came that they may have life and have it abundantly,”* but he wasn’t talking about money.__

Say the words “abundant life" and some people might think you mean material blessings. Little wonder, as the world’s message is, “Come, get stuff, achieve success, have it your way, and be happy,” The call of Jesus is, “Come, follow me, and receive abundant life.”

Maybe you find yourself wavering between the two world views. Material success and accumulation are enticing. After all, we are physical as well as spiritual beings, and we long to be comfortable, safe, and happy. What people so often forget is that material things have a shelf life— they don’t last. In light of eternity, human success means next to nothing. Even happiness is ambiguous.

What should we make of this “abundance,” then? The word sounds good, doesn’t it? Who wouldn’t want that? So, let’s look at what Jesus really means when he promises us abundance and why His way is so much better than anything we could ever ask for or imagine.

God made us for relationship with Himself and with each other as his people. The problem, right from the start, was rebellion. Since Adam, people have chosen to live life without God, separating themselves from a holy God by a gulf of sin. __“*But God shows his love for us in that while we were still sinners, Christ died for us.”* (Romans 5:8)__ That is God’s answer to the rebellion problem. In Christ, we exchange death for abundant life.

In the Old Testament, the term “abundance” definitely has a more material spin. As God’s people were entering Canaan, Moses tells them in __Deuteronomy 28:11, “*The Lord will grant you abundant prosperity, in the fruit of your womb, the young of your livestock and the crops of your ground, in the land he swore to your ancestors to give you.”*__

__Then in Psalm 31:19, “*How abundant are the good things that you have stored up for those who fear you, that you bestow in the sight of all, on those who take refuge in you.”*__

Many of those promises of abundance were *conditional—* the people had to be faithful followers of God. Like us, however, they just couldn’t manage it and they ended up losing their abundance over and over through disobedience.

Then Jesus changed everything. People on their own couldn’t live abundantly without slipping into greed, or fear, or idolatry. In Christ, abundance becomes real, and permanent, because it’s not about *things* anymore, it’s about a *Person*.

__In Matthew 6:33 we find, “*Seek first the kingdom of God and his righteousness, and all these things will be added unto you.”* __ Material needs and desires can take a backseat when we have a relationship with God through Jesus. We have what we need, materially, and an abundant life in Christ in the bargain. It’s the *life in Christ* that’s most satisfying, instead of the money, or success, or stuff.

If what Jesus offers us is so much better, why then do we settle for anything less than abundance? Three reasons come to mind:

First, we are *self-centered* by nature. We are so busy trying to justify our own desires and assumptions, that we forget it’s not about ourselves, but about Jesus.

The second reason people miss the abundant life, is *lack of personal engagement*. Sometimes, our interaction with the Almighty is at arm’s length, and our understanding of God’s Word is second-hand. Podcasts, sermons, and devotionals are fine, but we need to read God’s word and and pray to know him more fully and mature in the faith. When we earnestly, personally seek the Lord, our Good Shepherd will lead us __“*in paths of righteousness for his name's sake.”* (Ps 23:3)__

Thirdly, we can miss out on true abundance because we’re only going half-way with Jesus. We come to him to deal with our guilt, but not to be our Lord. Is salvation just fire insurance for you? Submission is the second half of the equation, and that’s a bit harder for some folks to swallow. We want Jesus to bail us out of our sin, but not to __“direct our path.” (Prov. 3:6)__

The bottom line for abundance then, as Jesus meant it, is Jesus himself. Money, success and material possessions are poor masters. Work and family are God-ordained things, but even those are secondary. When *Christ* sits on the throne of your life, your life takes on a Kingdom shine. You don’t have to be a theological superstar, just an ordinary person who says “yes” to Jesus as savior and Lord.

__Ultimately, when Jesus calls us to abundant life, he’s calling us back home. The life he promises is satisfying, joyful, safe, and eternal, not just later, but *starting now*.__

You can also __[listen](https://www.faithfi.com/search?q=Living%20the%20Abundant%20Life&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcast on this topic.

FaithFi

The life that Jesus promises is satisfying, joyful, safe, and eternal, not just later, but starting now.

Living the Abundant Life

__Your 20s can be a time of great excitement and possibility, but it can also be a time of financial uncertainty. With the freedom to make your own choices and the weight of new responsibilities, it can be challenging to know where to start when it comes to managing your finances. However, with the right mindset, wisdom from the Bible, and a few strategic moves, you can set yourself up for financial success in your 20s and beyond. Here are 5 money moves to make in your 20s to set yourself up for future financial success.__

#### 1. Start with a budget, plan your generosity, and track your spending.

Creating a budget, planning your generosity, and tracking your spending is the first step towards financial stability. It helps you to understand where your money is going and make conscious decisions about your spending and living generously. In addition, it can help you to save money for things like emergencies, retirement, or a down payment on a house. Proverbs 21:5 says, *"The plans of the diligent lead to profit as surely as haste leads to poverty."* By taking the time to create a budget and sticking to it, you can avoid unnecessary expenses, work towards your financial goals, and live generously.

#### 2. Build an emergency fund.

Emergencies can happen at any time, and having a financial cushion can help you to weather unexpected expenses. Experts recommend having at least three to six months' worth of living expenses saved in an emergency fund. Proverbs 6:6-8 says, *"Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest."* By being diligent and saving for emergencies, you can avoid falling into debt when unexpected expenses arise.

Emergencies can happen at any time, and having a financial cushion can help you to weather unexpected expenses.

#### 3. Start investing early and often.

Investing may seem like something only older, wealthier individuals do, but the truth is that anyone can start investing in their 20s. Even a small amount of money invested early can grow significantly over time thanks to the power of compounding interest. Proverbs 13:11 says, *"Dishonest money dwindles away, but whoever gathers money little by little makes it grow."*

If your employer offers a 401(k) match, make sure you contribute enough to take full advantage of it. If you don't have access to a 401(k) or IRA, talk to a [Kingdom Advisor](https://kingdomadvisors.com/) about your options. By starting to invest early and consistently, you can make your money work for you and build wealth over time.


![](https://static.wixstatic.com/media/978a5c_9a2767e2b17f4d2687e451838a1893b1~mv2.jpg/v1/fill/w_1108,h_754,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/978a5c_9a2767e2b17f4d2687e451838a1893b1~mv2.jpg)


#### 4. Avoid debt.

Debt can be a major roadblock to financial success, especially if it is taken on for unnecessary expenses. While it may be tempting to take out loans or use credit cards to fund a lifestyle you can't afford, it's important to remember that debt comes with interest, which can add up quickly. Proverbs 22:7 says, *"The rich rule over the poor, and the borrower is slave to the lender."* By avoiding unnecessary debt and paying off any debt you do have as quickly as possible, you can avoid falling into financial slavery.


#### 5. Live below your means.

Living below your means means spending less than you earn. While it may sound simple, it can be challenging in a culture that encourages us to spend more and more. However, living below your means can help you to avoid debt, build wealth, and achieve financial freedom. Proverbs 21:17 says, *"Whoever loves pleasure will become poor; whoever loves wine and olive oil will never be rich."* By prioritizing your financial goals over immediate pleasure, you can set yourself up for long-term financial success.

Your 20s can be a time of great financial opportunity if you take the right steps to manage your money. As Proverbs 3:9-10 says, *"Honor the LORD with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine."* By creating a budget, building an emergency fund, starting to invest, avoiding debt, and living below your means, you can set yourself up for a future of financial stability and success.


*[Images](https://static.wixstatic.com/media/978a5c_9a2767e2b17f4d2687e451838a1893b1~mv2.jpg/v1/fill/w_1108,h_754,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/978a5c_9a2767e2b17f4d2687e451838a1893b1~mv2.jpg) 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

Marriage and Family

Here are 5 money moves to make in your 20s to set yourself up for future financial success.

5 Money Moves to Make in Your 20s

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

Sound Mind Investing

Investing

A second Trump administration appears poised to bring big changes that will likely determine the economic outcomes.

Trump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption

__As a financial counselor, I have the privilege of working with a diverse group of families and businesses, each with their own unique circumstances and backgrounds. It's clear to me that every client comes with their own blend of personality traits and money stories that shape their approach to money management. However, amidst this rich variety, there are several common challenges that financial counseling clients face on their financial journeys.__

Here are four common financial challenges that I have found working with clients and their businesses. Maybe you can relate.

__1. Credit cards are being used as an emergency fund.__

A common indicator of a struggling family or business is a lack of cash reserves. Consequently, credit cards often become a makeshift emergency fund to manage unexpected expenses. Unfortunately, when emergencies do arise (and they will), individuals often exacerbate their financial troubles by accruing even more debt.

An effective debt elimination strategy involves safeguarding yourself against the risk of additional debt. This means maintaining some cash on hand to address unforeseen expenses while you remain focused on becoming debt-free. Even if you come across promotions offering 0% interest for 12 or 18 months, it’s generally wiser to pay in cash and avoid the stress that comes from carrying a credit balance.

__2. Student loans are a very serious problem.__

Recent data indicates that families are burdened with an average of over $30,000 in student loan debt. While it's not surprising for financial counselors to encounter clients with substantial student loans, the scale of this issue is even more severe than I had anticipated. Unfortunately, the only viable solution is to actually repay these loans, as student debt is one of the few financial obligations that cannot be discharged through bankruptcy.

If you are contemplating pursuing education after high school, it's essential to do your homework and establish a budget that aligns with what you can afford. After submitting your Free Application for Federal Student Aid (FAFSA), take a close look at the details of your college's financial aid offer. Although the term "award" might suggest the college is offering you "free" money, most financial aid packages typically consist of a combination of grants, scholarships, and, yes, loans.

__3. Poor tax planning leads to large tax bills.__

I understand that many people prefer not to dwell on taxes and may even dread the filing process. However, it's concerning the number of clients who have paid professionals to prepare their taxes but have received poor advice. This has caused clients to owe thousands of dollars on their state and federal taxes year after year. Whether you're filing income taxes or seeking assistance in structuring your small business in a tax-efficient manner, obtaining sound advice is invaluable.

As you begin your tax planning, consider your own withholding situation. Did you end up owing money to the IRS, or did you receive a refund? When was the last time you adjusted your IRS Form W-4? If you are a contract employee (1099) or a small business owner, are you estimating your taxes and making timely payments to the IRS? For trustworthy tax guidance and reliable Christian financial advice, I highly recommend consulting with a Certified Kingdom Advisor (CKA).

__4. Pets consume more than food and water, they consume financial margin.__

The American dream feels incomplete without both a dog and a cat. Nothing brings more consistent joy to a home than the warm greetings from our furry friends at the door, complete with their unwavering smiles. Our clients often feel the same way—their pets are integral members of their families. But the costs associated with owning a pet have become increasingly significant. From annual vaccinations and flea treatments to heart medications, kennel vaccines, specialized foods, beds, toys, and the wear and tear on home and yard, the financial demands are considerable. Pets can easily consume every last bit of financial margin.

As a counselor, discussing pet ownership presents a unique challenge. But pet ownership must be carefully assessed in terms of priorities and affordability. While a $99 adoption fee at a local pet store may seem appealing, the lifelong expenses of caring for a pet can far surpass those of owning a car. If you're a family facing significant debt and struggling to make ends meet, pet ownership may not be a viable option. It’s essential to consider pets within the context of your overall financial well-being and prioritize accordingly.

__Our objective in financial counseling is to assist clients in overcoming their financial obstacles. While the setbacks and financial difficulties might feel unique to your situation, it is likely that others have faced similar obstacles. Reach out to a trusted financial counselor today, and see how you can overcome those obstacles one step at a time. A great place to start is a [CERTCFC® counselor.](https://www.faithfi.com/findcertcfc) You can locate one  in your area at [FaithFi.com](https://www.faithfi.com/findcertcfc). 

__[Image](https://www.christianmoneysolutions.com/blog/4-common-challenges-financial-counseling-clients-face)__ used with permission

Savings

It's clear to me that every client comes with their own blend of personality traits and money stories.

4 Common Financial Pitfalls and How To Overcome Them

***“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” - Proverbs 21:20***

This simple yet profound verse from Proverbs reminds us of the importance of living below our means and saving for the future. But how do we do that? One key tool is having a budget. Let’s dive into the numbers, address common misconceptions, and explore how the [FaithFi app](https://www.faithfi.com/manage) can help you achieve financial stability with biblical principles.

A recent survey by [NerdWallet](https://www.nerdwallet.com/article/finance/data-2023-budgeting-report) offers insight into budgeting habits in America:


- **The Good News:** 75% of Americans aged 18 and up report having a monthly budget.
- **The Bad News:** 84% of those same individuals admit to overspending their budgets occasionally.

Even more concerning, 44% of overspenders turn to credit cards to cover the gap, while the remaining 56% likely dip into savings. Without a proper budgeting system, overspending can easily lead to debt and financial instability once savings are depleted.

**Common Excuses for Not Budgeting**

At [FaithFi](https://www.faithfi.com/), we’ve heard a lot of reasons why people resist budgeting. Here are some of the most common excuses:


1. ***“It takes too much time.”***
2. ***“It’s too difficult; I’m no good at math.”***
3. ***“I never stick with it.”***
4. ***“I don’t need to budget.”***
5. ***“It limits me.”***

These are valid concerns, but they’re often rooted in misconceptions.

**Debunking Budgeting Myths**

Let’s break down the common misconceptions about budgeting:


- *“A budget is just about cutting expenses.”*

Not true! Budgeting is about prioritizing your spending, ensuring your money goes to what matters most.
- *“A budget is too rigid.”*

While structure is important, budgets are flexible tools. Adjustments are part of the process!
- *“I make enough money; I don’t need a budget.”*

Budgeting isn’t about income levels—it’s about making wise financial decisions.
- *“Only people with financial trouble need a budget.”*

Budgets help prevent financial trouble by ensuring you live within your means.
- *“My income varies, so I can’t budget.”*

You can! Calculate your average monthly income based on 6–12 months of earnings. Save during high-income months to cover leaner periods. Check out [our episode on this topic](https://www.faithfi.com/faithfi/variable-income-budgeting-7216) for a deeper dive and more insights!

**Steward Your Resources With The FaithFi App**

If you’re ready to create a spending plan but need guidance, the [FaithFi app](https://www.faithfi.com/manage) is here to help. Unlike other budgeting tools, [FaithFi](https://www.faithfi.com/manage) offers unique features to make managing your finances intentional and faith-centered:

- **Tailored to Your Needs**: Choose from three different money management styles that best suit your situation.
- **Helps You Build Rhythms**: The app encourages daily check-ins or weekly reviews to develop consistent financial habits.
- **Faith-Centered Approach**: Beyond tracking your spending, FaithFi integrates biblical wisdom and a supportive community to help you grow in your walk with God while stewarding your resources for His glory.

**Don’t let excuses or misconceptions hold you back. A budget is a powerful tool for financial freedom and biblical stewardship. Download the [FaithFi app](https://www.faithfi.com/manage) today to create your spending plan, grow in wisdom, and honor God with your finances.**

You can also **[listen](https://www.faithfi.com/search?q=Who%20Needs%20a%20Budget?%20with%20Chad%20Clark&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)** to a related podcast on this topic.

Don’t let excuses or misconceptions hold you back. A budget is a powerful tool for freedom and biblical stewardship.

Who Needs A Budget?

__Did you know that anxiety disorders are the most common mental illnesses in the United States today? With nearly [a third](https://www.nimh.nih.gov/health/statistics/any-anxiety-disorder#:~:text=An%20estimated%2031.1%25%20of%20U.S.,some%20time%20in%20their%20lives.) of U.S. adults experiencing some form of anxiety in their lifetime, the scope of the issue is staggering. The cost of treatment alone runs into the tens of billions of dollars annually, not to mention the economic loss from reduced productivity.__

Modern medicine categorizes anxiety into a variety of disorders, such as generalized anxiety, panic attacks, and social anxiety. While these classifications help in understanding the problem, the root causes of anxiety remain complex. According to the [Mayo Clinic](https://www.mayoclinic.org/diseases-conditions/anxiety/symptoms-causes/syc-20350961), anxiety disorders often stem from a mix of physical issues, mental health challenges, and negative life events—like losing a job or facing financial strain.

If you’re battling persistent anxiety, professional help is crucial. Counseling, medication, or a combination of both can provide much-needed relief. But is anxiety truly a modern problem, or is it a struggle as old as time?

__Anxiety Isn’t New: A Biblical Perspective__

In our fast-paced world, it’s easy to blame anxiety on modern pressures—frantic schedules, endless smartphone notifications, or even diet. While these factors contribute, anxiety itself is not new. In fact, Jesus addressed anxiety directly in Scripture, offering timeless wisdom in passages like Matthew 6 and Luke 12.

In Matthew 6:25, Jesus says:

*“Therefore I tell you, do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on. Is not life more than food, and the body more than clothing?”*

Imagine the disciples walking with Jesus through Galilee and Judea, relying entirely on the generosity of others for food and shelter. They must have wrestled with worry about their daily needs. Yet Jesus calls them—and us—to trust in God’s provision, pointing to the birds of the air as an example of God’s care for His creation.

__The Antidote to Anxiety: Seek First the Kingdom__

Jesus doesn’t just tell us *not* to worry; He provides a solution:

*“But seek first the kingdom of God and His righteousness, and all these things will be added to you.” - Matthew 6:33*

John Rinehart, founder of [Gospel Patrons](https://www.gospelpatrons.org/media/you-can-be-free-from-anxiety-about-money/), highlights that Jesus wants to free us from fear and anxiety—not so we can live comfortably, but so we can live differently. The world glorifies wealth, comfort, and security, often to the detriment of our spiritual well-being. It’s easy to chase financial stability or build *“bigger barns”* to store our resources, yet Jesus warns against this mindset.

The love of money competes for our hearts, tempting us to prioritize wealth over God. But by understanding our inherent value to God, we can resist this pull. He created us for a greater purpose: to glorify Him and proclaim the Gospel.

__Trusting God in Provision and Purpose__

Jesus assures us that we don’t need to face the world’s anxieties alone. He invites us to trust in God’s faithfulness and promises. While we are called to work and plan responsibly, we are also encouraged to have faith that God will provide.

As Jesus reminds us in Matthew 6:24:

*“No one can serve two masters…You cannot serve God and money.”*

When we choose to prioritize God’s Kingdom over worldly wealth, the weight of our worries begins to lift. Seeking God first transforms our perspective, allowing us to focus on His purpose for our lives: glorifying Him and sharing His love with others.

__The Call to Choose: God or the World?__

Every day, we face a choice. Will we pursue the fleeting security of the world, or will we seek God’s eternal Kingdom? The decision isn’t easy, but the rewards are profound. When you choose God over money, you open your life to His provision and peace.

By surrendering your anxiety and trusting in His plan, you not only free yourself from worldly cares but also embrace the joy of living with purpose. So, take Jesus at His word—seek first His Kingdom, and let the cares of the world fade away.

Anxiety is real, but so is God’s promise to care for us. Whether you’re struggling with financial worries or other burdens, remember that you are deeply loved by your Creator. Turn to Him, trust His provision, and watch as your worries give way to peace and purpose.

__Look at the Sparrows: A New 21-Day Devotional From FaithFi__

If you want to transform your approach to money through faith and find peace in God’s provision, FaithFi has just released a brand-new 21-Day Devotional on Financial Fear and Anxiety called [Look at the Sparrows](https://www.faithfi.com/shop/sparrows). This resource will take you on a journey through Matthew 6:19-34 to help you discover how to move from financial fear to a life anchored in trust and generosity.

__You can purchase individual copies or place bulk orders for your church or small group at [FaithFi.com/Sparrows](http://faithfi.com/Sparrows).__

You can __[listen](https://www.faithfi.com/search?q=Set%20Free%20From%20Anxiety&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to a related podcast on this topic.

With nearly a third of U.S. adults experiencing some form of anxiety,  is it just a modern problem or is it older?

Breaking Free from Financial Anxiety

<p>Proverbs 13:22 tells us, <i>“A good man leaves an inheritance to his children's children…” </i>But while the Bible emphasizes the importance of leaving an inheritance, it doesn’t provide a step-by-step guide. That’s where careful planning and biblical wisdom come into play. </p><p>Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.</p><h3>The Common Approach: Equal Division</h3><p>One of the most common phrases in wills is, <i>“My estate will be divided equally among my children.”</i> This approach seems fair and straightforward, especially when the estate consists entirely of financial assets. However, complications arise when property, such as a home or vacation property, is included.</p><p>When real estate is left to multiple heirs, they face tough decisions:</p><ul><li><strong>Joint ownership:</strong> Should they retain the property together, splitting the responsibilities and costs?</li><li><strong>Sell and split proceeds:</strong> Should they sell the property and divide the cash?</li><li><strong>Buy out: </strong>Should one or more heirs buy out the others to take full ownership?</li></ul><p>These decisions can quickly lead to financial and emotional challenges without clear guidance.</p><h3>The Hidden Challenges of Inheriting Property</h3><p>Leaving property to multiple heirs often creates unexpected burdens, both financial and emotional.</p><p>Properties come with ongoing expenses, including:</p><ul><li>Maintenance costs</li><li>Property taxes</li><li>Insurance premiums</li><li>Homeowners association fees</li></ul><p>Who makes decisions about upkeep? How are expenses divided? And what happens if one heir can’t—or won’t—pay their share? These issues can turn a blessing into a burden.</p><p>Emotions can also complicate property decisions, especially when tied to childhood memories. Disagreements over minor details—like paint colors or furniture placement—can spiral into larger conflicts. Long-buried resentments may resurface, particularly if one sibling is named executor and perceived as having undue authority.</p><h3>Practical Solutions to Prevent Conflict</h3><p>To avoid these challenges, consider these strategies:</p><h3>Treat Property Like Any Other Asset</h3><p>Many estate experts recommend stipulating in your will that all property is to be sold, with proceeds divided among heirs. This approach provides clarity and avoids forcing heirs into joint ownership.</p><h3>Allow for Flexibility</h3><p>Some heirs may wish to “buy out” the others to retain the property. By structuring your will thoughtfully, you can provide this option while ensuring a fair division of the estate.</p><h3>Consider Unique Needs</h3><p>Ron Blue, author of <a href="https://www.amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765/ref=sr_1_1?crid=2PU56HWGFHBRE&amp;dib=eyJ2IjoiMSJ9.wnzdJEHeaFaB6EQEGaV_kvBz7O1gvYgvguRqta0B2UZ1oV04kOmRTi3VWR3z2c_hPwBXPIvetELMrYFI-e5Epy4NIqw7O56l_AJZiFSRO8zKIxrtXJhhsqHBQaAbPhQuvEY_0vYC06vE4-Fec-n9_yJZiH2YdXf67ydjMlOAg5HYz8hG00wtzqhG5wkvy21ZM-rFbpRKUHqnZkGQFmk1EJFhk4RFmPhCkIVX6ugltes.kdJ9yccjEuhGTVSrRMbEbiNvYQ-rxkSgkJDAzo4Zd_o&amp;dib_tag=se&amp;keywords=splitting+heirs&amp;qid=1736960633&amp;sprefix=splitting+heir%2Caps%2C106&amp;sr=8-1"><i>Splitting Heirs</i></a>, suggests that <i>“if you love your children equally, you will treat them uniquely.”</i> Equal division may not always be the wisest choice. Consider factors like financial need and money management skills when planning your estate.</p><p>The key to preventing conflict lies in communication. Discuss your estate plans openly with your family so they understand your decisions and the reasoning behind them. This transparency eliminates surprises and fosters unity among your heirs.</p><h3>Seek Professional Guidance</h3><p>Creating or updating a will is a critical step that requires professional expertise. Work with an estate attorney who shares your Christian worldview to ensure your wishes align with biblical values. Certified Kingdom Advisors are an excellent resource; visit<a href="https://faithfi.com"> FaithFi.com</a> to find one near you.</p><p>By planning thoughtfully and communicating clearly, you can leave your children and grandchildren not only a financial inheritance but also a legacy of love and wisdom. Proverbs 13:22 reminds us of the importance of stewardship—not just in what we leave behind but in how we prepare to pass it on.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 77, and my husband is 81. The only thing that we have of any value is property. We live on about an acre and a half, and we're in a trailer. We would like to gift this property to our grandson, who is 26. We would like to know the best way to gift it without him being hit with too much of a financial penalty.</li><li>I'm trying to figure out how capital gains are calculated when I withdraw money from my 401(k), especially since my company stock has appreciated significantly over the years.</li><li>My daughter's credit score is 625, and she's committed to repairing it. My credit score is over 800, and I've heard you talk about making someone an authorized user on a credit card to help with their score. How does that work, and how would it affect our credit scores?</li><li>I'm completely lost when it comes to finances. However, I want to set my family up for financial success, so I would like to know if you could point me to a resource that can help me learn what I need to know about finances.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Publication</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://chministries.org/info-pack/?hsCtaTracking=a1d865ee-68d9-42ca-af69-b1d362723b82%7Caea8c871-b92e-4d02-a4fd-f8deb79957c4&amp;utm_campaign=spsr_faithfi&amp;utm_source=faithfi&amp;utm_medium=faithfi_partner_landing_page_info_pack_button_chm_info_pack&amp;utm_content=info_pack">Christian Healthcare Ministries (CHM)</a></li><li><a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=sr_1_1?crid=RUNHN7578T0O&amp;dib=eyJ2IjoiMSJ9.HOczAIBdz66UZHOh7TOUMMocRU2DGjeksuezBhgjxMq9l3PsHpb8kuOHd3tVpC7uuRcIO7ls1lsbVBevcSWGanPz0kSiHD_NtqzLmOBLjrzoRtfZmCzQ16NDyw7bDI5b9n6ggUVGh1D67RRZiee50P7bg1KQU9D1kotWao5f_sJ2OthgcU2jMLNucv9vjcg9urExYLi97IHWrJo4SNJKpg5_ags59cpPRy7NDISBTWM.dB3-5OkgKu-72MosY7x2CJZdN9uDytPjPlAT0CF5pOQ&amp;dib_tag=se&amp;keywords=master+your+money+ron+blue&amp;qid=1736960799&amp;sprefix=master+your+money+ron+blue%2Caps%2C114&amp;sr=8-1">Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael Blue</a></li><li><a href="https://www.amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765/ref=sr_1_1?crid=2PU56HWGFHBRE&amp;dib=eyJ2IjoiMSJ9.wnzdJEHeaFaB6EQEGaV_kvBz7O1gvYgvguRqta0B2UZ1oV04kOmRTi3VWR3z2c_hPwBXPIvetELMrYFI-e5Epy4NIqw7O56l_AJZiFSRO8zKIxrtXJhhsqHBQaAbPhQuvEY_0vYC06vE4-Fec-n9_yJZiH2YdXf67ydjMlOAg5HYz8hG00wtzqhG5wkvy21ZM-rFbpRKUHqnZkGQFmk1EJFhk4RFmPhCkIVX6ugltes.kdJ9yccjEuhGTVSrRMbEbiNvYQ-rxkSgkJDAzo4Zd_o&amp;dib_tag=se&amp;keywords=splitting+heirs&amp;qid=1736960633&amp;sprefix=splitting+heir%2Caps%2C106&amp;sr=8-1">Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White</a></li><li><a href="https://www.amazon.com/Your-Money-Counts-Biblical-Investing/dp/1414359497/ref=sr_1_1?crid=31OHQ25D58VD3&amp;dib=eyJ2IjoiMSJ9.mSJhGi6q9nhjV8870pj8_YEHCjFK68KI8FTIlX0IDyR5hGh7hEbT6H_gUE04fYVHptClDxeRa0lTR2l8XA9s9CoOHFHvgvHT38ehRUeU97fyDtpCWnoBMJo5sxuYY1cY9s5ld-zUpBPivAJuQcinNR1Xjga4fc-g-7HPUSMmJ6WNSiZlH9Da8m0UPbnorgcH.f8G-516DaxzrBOupvx8YnlWV_CnX4-ljyXdJydoHJTU&amp;dib_tag=se&amp;keywords=your+money+counts+by+howard+dayton&amp;qid=1736960829&amp;sprefix=your+money+counts+by+howard+dayton%2Caps%2C107&amp;sr=8-1">Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton</a></li><li><a href="https://www.amazon.com/Money-Possessions-Eternity-Randy-Alcorn/dp/0842353607/ref=sr_1_6?crid=3TP4KVDMP48XB&amp;dib=eyJ2IjoiMSJ9.gwRAFUOGIivUCjCEG-kI-SULisNRq1Bgi56CZOqcP6sHRAw1tgOAmUHTXllvCqRbrChdAl7N5SN9bfDELLvAmsrtT6e6QKncJ_SCZCcxwdm5Mt3dSm_PCYBKW3gzZ5fbPp8nS8aUIdg6GSkUZFf9yxl6TdIE3LMRJcuiQWSRGknWex3LmgNk9EuGhMDZzFsOJdcHee8-N1ECIhuD1Orir-gyJ-o1OGf2dhxPXE8m7pIzy1RRg9bSAOBc9XSxlmn7R6xcWdor_-3-3yK-PSBxR8hTNroP9i0ZGJLpISMKvzLn6_TzPXpWSqpUV2SjYOV0d1xlTW1yZbfADQJWf95ldrOOj08qnXDFkNxgWHBXRewAP4qcwLZaejqjdE8B6RsJxt7eHYZKfhMMW9Dqj9APLxW8ax7csI0POZ_F5rZCxnFoqsbs64z1BUCHaRU_Mk32.nh8sI023vmdV-DmELtKegDdHVXL_k7D0fXqTgK-JYRQ&amp;dib_tag=se&amp;keywords=randy+alcorn&amp;qid=1736960872&amp;sprefix=randy+alcorn%2Caps%2C106&amp;sr=8-6">Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Faith & Finance is a daily radio ministry hosted by Rob West. The program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

Faith & Finance with Rob West

Proverbs 13:22 tells us, “A good man leaves an inheritance to his children's children…” But while the Bible emphasizes the importance of leaving an inheritance, it doesn’t provide a step-by-step guide. That’s where careful planning and biblical wisdom come into play. 

Here are some principles to help you make wise decisions about your estate—particularly when it comes to real estate—and avoid unintended conflicts among your heirs.

Leaving A House To The Kids

Where timeless biblical wisdom meets today's financial decisions.

Become Wise With Money

Our trusted partner, Christian Credit Counselors, offers a debt management program that can get you out of credit card debt 80% faster while honoring your debt in full.

Struggling with credit card debt but don’t know where to start?

Our debt management program helps people avoid bankruptcy, debt settlement scams, and quick fixes that ruin credit.

Christian Credit Counselors

Silence is not an option. Your boldness can set people free.

Talking about money is challenging and uncomfortable.

We teach church leaders the biblical perspective on finances.

Christian Stewardship Network

Compass helps people worldwide to know Christ more intimately in one of the most personal arenas of life, finances. We teach what the Bible says about money, nothing less, & encourage people to discover God’s truth & experience life change.

Learn, Apply, and Multiply What the Bible Says About Money and Possessions

Compass helps people worldwide to know Christ more intimately in one of the most personal arenas of life, finances.

Compass Financial

Discover the secret of "winning by not losing".

Profit & Peace of Mind - No Matter What's Happening in the Market

Financial health is just a means to a greater end. I want to see you in a place where you are living and giving generously, advancing God's Kingdom, without the hindrance of debt or any other financial barrier.

Give generously. Save wisely. Live appropriately.

Investing can be more than just returns

Eventide

Every Investment Has An Impact

Join a movement of investors, fund managers and leaders who believe that God owns it all and he cares deeply about why and how we steward his investments.

Faith Driven Investor

God is raising up an army of Gospel Patrons who will partner to build the church, bless the world, and finish the Great Commission.

Join the Movement

Behind every great movement of God are generous leaders who partner with those who proclaim the gospel. We call them Gospel Patrons.

Gospel Patrons

Do you have a giving strategy? We would love to help you explore all the opportunities to make the most of what God has given you.

Do you have a Giving Strategy?

NCF helps people create a giving strategy based on biblical principles, so they can be wise stewards of all they have and experience the joy of greater generosity.

National Christian Foundation

Most conversations about giving end with an ask for money. Generous Giving hosts free events that help explore Jesus-like generosity without asking for anything in return. This leads to stronger families and deeper relationships with God.

Explore the Joy of Generosity

We exist to spread the message of biblical generosity in order to grow generous givers especially among those entrusted with much.

Generous Giving

Are you ready to lay down anything in your life preventing you from following Jesus?

Find Joy and Freedom in a Life of Surrender

The Ron Blue Institute seeks to be a thought leader with great influence committed to changing the way Christians think, act, and communicate about financial stewardship, empowering the church, and changing the world.

Ron Blue Institute

We’re glad to share the financial and spiritual advantages that CHM offers, and they look forward to helping you discover if this is the right healthcare solution for you.

Want more information on CHM’s budget-friendly, biblical and compassionate healthcare solution?

We’re not insurance – We’re the better, biblical solution to taking care of your medical costs. If you don’t love how your health insurance works, maybe it’s time to leave traditional health insurance behind.

Christian Healthcare Ministries

We believe you can make a positive difference when your investment decisions are motivated by your faith and values.Investing together, impacting the world.

INVEST IN PRAXIS MUTUAL FUNDS

Praxis Mutual Funds has a rich history as a leading faith-based family of mutual funds designed to help people integrate their finances with their values. With Praxis,your investments can make a difference for you, and the world around you.

Praxis Mutual Funds

FatihFi App

We are a Bible-believing, Christ-centered nonprofit organization teaching Biblical principles and reaching people in need.

Explore our articles, podcast, and courses.

Educational resources for Biblically faithful investing

Inspiring an authentically Christian practice of modern investing.

Eventide Center for Faith & Investing

But it doesn’t have to be. Join a Faith Driven Entrepreneur Group today.

Entrepreneurship is a lonely journey.

Faith Driven Entrepreneur is a movement dedicated to gathering one million Christ-following entrepreneurs and equipping them, so they can fulfill their call to create and transform the world around them.

Faith Driven Entrepreneur

After nearly 20,000 meetings with people just like you, helping them grow in wisdom, confidence and joy, and coaching millions more over radio, television and digital media, we'd love to help you, too!

Money’s not bad, but it’s also not easy.

God is too good and life is too special to let money hold you back.  Get hope-filled coaching so you can steward wisely and live faithfully.

Smarter Stewardship

<p>Larry Burkett once said, <i>“The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.”</i> These words remind us that stewardship is not just about money or tithing—it’s about faithfully managing everything God has entrusted to us.</p><p>As believers, we’re called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we’re fulfilling this calling? To guide our journey of faithfulness, let’s explore the seven marks of a good steward.</p><h3>1. Acknowledging God’s Ownership</h3><p>Good stewards recognize that everything belongs to God, including their resources, skills, and abilities. They understand they’re temporary managers entrusted with God’s gifts for His purposes.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“You shall remember the Lord your God, for it is he who gives you power to get wealth.”</i> (Deuteronomy 8:18)</li></ul><h3>2. Understanding Their Mission</h3><p>Good stewards grasp the significance of their role in God’s plan. They take their responsibilities seriously but approach them with humility, knowing they’re part of something greater than themselves.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Commit your work to the Lord, and your plans will be established.”</i> (Proverbs 16:3)</li></ul><h3>3. Faithfulness in Action</h3><p>Faithfulness is at the heart of stewardship. This includes following God’s financial principles: earning, saving, investing, and, most importantly, giving. Faithful stewards persevere, trusting that God will honor their obedience.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Whoever can be trusted with very little can also be trusted with much.”</i> (Luke 16:10)</li></ul><h3>4. Trustworthiness</h3><p>Good stewards are honest and trustworthy in all they do. Integrity builds a foundation for effective stewardship, honoring God, and earning the trust of others.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Moreover, it is required of stewards that they be found faithful.”</i> (1 Corinthians 4:2)</li></ul><h3>5. Diligence in Their Work</h3><p>Stewards are diligent, actively using what God has given them rather than neglecting or mismanaging it. They commit to working as if serving the Lord in all they do.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Whatever you do, work heartily, as for the Lord and not for men.”</i> (Colossians 3:23)</li></ul><h3>6. Prayerful Dependence</h3><p>Good stewards seek God’s guidance through prayer, trusting in His wisdom and provision. Prayer frees them from anxiety and anchors them in God’s peace.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.”</i> (Philippians 4:6)</li></ul><h3>7. Spirit-Led Action</h3><p>Finally, good stewards act when the Holy Spirit leads, preparing their minds and hearts for action and living in obedience to God’s will.</p><ul><li><strong>Scripture to Reflect On:</strong> <i>“Preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you.”</i> (1 Peter 1:13)</li></ul><h3>Dependence on God’s Grace</h3><p>These seven characteristics set a high standard, reminding us that stewardship is more about faithfulness than perfection. We can’t meet these marks in our own strength. Instead, we depend on God’s grace and the power of the Holy Spirit to walk in obedience.</p><p>Let’s commit to being faithful stewards, trusting that God will equip us for the journey. As 1 Corinthians 4:2 reminds us, <i>“Those who have been given a trust must prove faithful.”</i> May we glorify God in all we do, managing His gifts with care and purpose.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm getting ready to start receiving payments from my annuity. I want to give from the annuity, but I would like to know if I would get tax benefits from taking that money out of my annuity and paying it directly to a charity.</li><li>I'm charged a rider charge on monthly withdrawals from an indexed annuity. Is there any way to avoid that? I have seven more years because it's a 10-year annuity.</li><li>My daughter and son-in-law have $35,000 in debt, primarily for home repairs and a vehicle. They have a 3.5% mortgage but are being advised to do a cash-out refinance, which would take them to 6.5-7% on the full $155,000. Is there anything else they can do besides this refinance?</li><li>I'm 74 and still working full-time. My 401(k) has about $500,000 in it, plus a company-funded pension. Should I roll that 401(k) over now or wait until I get close to retirement? I'm considering retiring by the end of next year.</li><li>My mother is 89 and sold her house for about $300,000. At this stage in her life, how should she invest the money? Should she consider putting some of it into an annuity? I'd like her to have easy access to it.</li><li>I was raised in a wealthy home, so I never learned proper financial principles. Now, I want to learn how to be financially responsible and properly steward God's provision in my family and business. Do you have any suggestions on how I can get started?</li><li>I am 52 and retired, and my wife is 62 and retired. We're doing well, but more is always better. Could my wife start claiming my Social Security and spousal benefits now?</li><li>I was told I might be eligible for my brother's pension. Do you know of a website where I can search for a lost pension?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Publication</a></li><li><a href="https://www.amazon.com/Your-Money-Counts-Biblical-Investing/dp/1414359497/ref=sr_1_1?crid=2BO6B8FM4M569&amp;dib=eyJ2IjoiMSJ9.rrEe0IIeZNpTThgbtUbyUEALEAJT9reCjwAuauCSDPF5hGh7hEbT6H_gUE04fYVHwrrIvoktpAI4FQy72h6atXaEM4-YmdfmTS89G8iwfWclfUpkfmKCigr4GF_Q7iPt09RAQmZJbqoSrGK3wnXsos1kUTnpMSV5XqP8BYAnTUQn4jZhWEI6mzemCOtjnvjP.VUpxjqQRlR8VXjtjOsGTaBFdk7ZiWC8s-UnzoCIc5vM&amp;dib_tag=se&amp;keywords=your+money+counts+howard+dayton&amp;qid=1736878978&amp;sprefix=your+money+counts+howard+dayton%2Caps%2C110&amp;sr=8-1">Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton</a></li><li><a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=sr_1_1?crid=1STYXJASUE7VK&amp;dib=eyJ2IjoiMSJ9.HOczAIBdz66UZHOh7TOUMMocRU2DGjeksuezBhgjxMq9l3PsHpb8kuOHd3tVpC7uuRcIO7ls1lsbVBevcSWGan6AQ6jKyac70YAT5-KTt9n2ng58pJiBSR80tp6Jt4F-yd5M5JwiPbYgeY660G_s4B0bG1jT8s-x8oaWyG_NhBJ2OthgcU2jMLNucv9vjcg9urExYLi97IHWrJo4SNJKpg6HfLAW-3ZG4sZlQig-v0s.L65Hv2JRmYOO3Ngh20UFJCj4Pt9ru9lE6A6ZkDGCKKk&amp;dib_tag=se&amp;keywords=master+your+money+ron+blue&amp;qid=1736879016&amp;sprefix=master+your+money+ron+blu%2Caps%2C108&amp;sr=8-1">Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael Blue</a></li><li><a href="https://www.amazon.com/Money-Possessions-Eternity-Randy-Alcorn/dp/0842353607/ref=sr_1_1?crid=1IPHBITF7A0ZB&amp;dib=eyJ2IjoiMSJ9.M2-zoGdISg56nnP6YYpPceD7sQmqqArlA4vq6dcXTnTzQTp1AkUUy5PifE0ZirucqtlncKhpKA9xcWuc1b-kIHrVc53dlHlXSCOdRF0N6SV4ykQ5FWPLRP9DFFd2VFqNgaZMg8K7mbRfFUubjANgbha8PIOv8_jvxy2gO5tYRRdLRAqUiNbffO4eJsDehaVZ.QRoVqP2Neqhi_x_s6DpxjqjjXlWt9GPcO5jPlzA7ocY&amp;dib_tag=se&amp;keywords=money+possessions+and+eternity+by+randy+alcorn&amp;qid=1736879050&amp;sprefix=money+posses%2Caps%2C115&amp;sr=8-1">Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn</a></li><li><a href="https://unclaimedretirementbenefits.com/">National Registry of Unclaimed Retirement Benefits</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Larry Burkett once said, “The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.” These words remind us that stewardship is not just about money or tithing—it’s about faithfully managing everything God has entrusted to us.

As believers, we’re called to be stewards because God created and owns everything. Our role is to manage His resources wisely for His purposes. But how can we know if we’re fulfilling this calling? To guide our journey of faithfulness, let’s explore the seven marks of a good steward.

7 Marks Of A Good Steward

<p>Sometimes, you have to travel far to learn about things close to home—like your finances.</p><p>They say that <i>“travel is broadening”</i>—that it expands your horizons and increases your understanding of how things really work. Sharon Epps experienced that recently on the tram in the Netherlands, and today, she’ll share some financial lessons she learned along the way. </p><p>Sharon Epps is the President of <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>, <a href="https://www.faithfi.com/">FaithFi</a>’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.</p><h3>Faith, Finance, and the Tram</h3><p>During a recent Christmas visit to The Hague, Sharon enjoyed time with her family and learned valuable lessons riding the Dutch tram system. These lessons beautifully parallel financial wisdom rooted in faith. Let’s explore these five lessons and how they can guide us in making faith-filled financial decisions.</p><h3>1. Plan in Advance</h3><p>Before boarding the tram, you need to purchase a card or use an app like Apple Pay—cash isn’t accepted. If you’re unprepared, you’ll find yourself stuck.</p><p>Financial Takeaway: Life transitions and financial goals require preparation. Proverbs 21:5 reminds us, <i>“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”</i> Look ahead and make thoughtful plans for the future.</p><h3>2. Make Decisions Based on Principles</h3><p>Interestingly, there are no instructions on using the card readers. Observing others reveals the steps: scan in when boarding and scan out when exiting. It’s a system based on principles rather than explicit instructions.</p><p>Financial Takeaway: Life doesn’t come with a step-by-step manual for every situation. However, God’s Word is full of enduring principles. Base your financial decisions on these, rather than rigid rules, to stay aligned with His will.</p><h3>3. Avoid Decision-Making Traps</h3><p>Sharon missed her tram stop because she was looking in the wrong direction. She realized too late that the doors she needed were behind her.</p><p>Financial Takeaway: Evaluate multiple alternatives before making decisions. Avoid getting stuck with the first option that comes to mind, as it might not be the best one. Broaden your perspective to avoid costly mistakes.</p><h3>4. Seek Godly Counsel</h3><p>After missing her stop, Sharon was unsure what to do next. A kind pair of Dutch women guided her to the next stop and helped her find her way back.</p><p>Financial Takeaway: Life is full of unexpected turns. Seeking wisdom from God and godly counselors can help you navigate challenges and make wise choices. Proverbs 15:22 teaches, <i>“Plans fail for lack of counsel, but with many advisers they succeed.”</i></p><h3>5. Know What You Have</h3><p>After several rides, Sharon realized she needed to check the balance on her tram card and top it up.</p><p>Financial Takeaway: Just as you must track the balance on your card, you need to know the condition of your financial resources. Proverbs 27:23–24 reminds us, <i>“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.”</i> Awareness of your financial position is crucial for wise stewardship.</p><h3>Life Moves Fast—Stay Prepared</h3><p>Riding a tram requires quick decision-making—boarding, exiting, and navigating—all while staying prepared for the next leg of the journey. Financial decisions can feel the same way. By applying these five lessons—planning ahead, basing decisions on principles, avoiding traps, seeking counsel, and staying informed—you’ll be better equipped to navigate life’s financial challenges.</p><p>If we adopt these principles in our financial decision-making, we won’t find ourselves getting off at the wrong stop and scrambling to figure out our way back.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a seven-and-a-half-year-old granddaughter, and I'd like to know how to begin investing in her college education.</li><li>Can I roll my TSP over to an IRA? I'm getting ready to retire within the next five years, and I was told that if I did, the amount would be fixed and could only go up. However, I could still keep my TSP open and contribute to it. Would that be a wise move?</li><li>I had a CD for $10,000 that matured, and I told the bank to reinvest it. It ended up being $10,210. Do I have to pay taxes on the $210 profit when I file my income taxes?</li><li>I have been steadily losing money in the TCW MetWest Total Return Fund, and I would like to switch to a Timothy Fund. I'm 80 years old, so I want to change it to something that would make me a little money and keep the fees low. Who would I talk to if I wanted advice about which Timothy Plan fund to use?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Publication</a></li><li><a href="http://savingforcollege.com">SavingForCollege.com</a></li><li><a href="https://timothyplan.com/">Timothy Plan</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Sometimes, you have to travel far to learn about things close to home—like your finances.

They say that “travel is broadening”—that it expands your horizons and increases your understanding of how things really work. Sharon Epps experienced that recently on the tram in the Netherlands, and today, she’ll share some financial lessons she learned along the way. 

Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.

5 Financial Lessons Learned From A Tram Ride with Sharon Epps

<p>Major changes are likely coming for the U.S. economy. Will you be ready for them?</p><p>We have a new president who’s pledged to overhaul the economy. How will that affect investors and the markets? Mark Biller joins us today with a plan for managing <i>“anticipated disruption.”</i></p><p>Mark Biller is Executive Editor and Senior Portfolio Manager at <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1295850508872026842&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEsHAC68E5srAAAA">Sound Mind Investing</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>. </p><h3>Learning from the Past: Market Trends in Review</h3><p>Before diving into predictions, it’s essential to recognize the value of reviewing recent market trends. Forecasting is often unreliable, so <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a> focuses on building robust portfolios that can withstand a variety of market conditions.</p><h3>Key Observations from 2024:</h3><ul><li><strong>Strong Stock Market Performance:</strong> 2024 was a banner year for stocks.</li><li><strong>Struggles in Bonds: </strong>Higher long-term interest rates created challenges for bond investors.</li></ul><p>Rather than predicting, <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">SMI</a> uses trend-following strategies, aligning portfolios with market behavior to enhance resilience against uncertainties.</p><h3>What Could End the Bull Market?</h3><p>Bull markets typically end due to two primary catalysts:</p><ol><li><strong>Federal Reserve Rate Hikes:</strong> With recent rate cuts, a pivot to hikes seems unlikely.</li><li><strong>Economic Recessions:</strong> Despite fears, current conditions—strong GDP growth, low unemployment, and robust balance sheets—make a near-term recession improbable.</li></ol><p>However, investors should remain prepared for routine market corrections (10-15%), which are typically short-lived and not worth major portfolio adjustments.</p><h3>Trump 2.0: Policy Changes and Market Impacts</h3><p>President Trump’s second term brings both optimism and uncertainty. Business-friendly policies like tax cuts and deregulation are expected to boost growth, but his stance on disrupting global free trade could create volatility.</p><h3>Key Policy Areas to Watch:</h3><ul><li><strong>Immigration and Tariffs:</strong> Potential economic implications tied to trade disruptions.</li><li><strong>Deficit Reduction:</strong> Balancing growth-oriented spending with inflationary risks.</li><li><strong>Energy and Taxes:</strong> Initiatives that may shape inflation and economic growth dynamics.</li></ul><p>Wall Street’s response will likely depend on how aggressively these policies are implemented. While markets thrive on stability, Trump’s approach could introduce significant fluctuations.</p><h3>The National Debt: An Ongoing Challenge</h3><p>Reducing the national debt remains a pressing issue, but Mark is skeptical about achieving a balanced budget in the short term. Growth-driven strategies may help manage deficits, but cutting government spending poses immediate challenges for economic momentum.</p><h3>Staying the Course Amid Uncertainty</h3><p>With many moving parts, confidently predicting cumulative economic and market outcomes is impossible. However, investors should:</p><ul><li>Stick to long-term plans.</li><li>Maintain proper diversification.</li><li>Continue regular contributions to retirement plans.</li></ul><p>The focus should remain on steady progress toward financial goals rather than reacting to short-term disruptions.</p><p>For a deeper dive into these topics and actionable strategies, read Mark’s full article, <a href="https://soundmindinvesting.com/articles/trump-2-0-using-objective-investing-models-to-guide-us-through-anticipated-disruption"><i>“Trump 2.0: Using Objective Investing Models to Guide Us Through</i> <i>Anticipated Disruption</i></a>.” This article offers a clear framework for understanding the potential market impacts of Trump’s second term while encouraging a disciplined investment approach.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My husband and I are researching long-term care options as we prepare to retire. We've considered long-term care insurance or an annuity with a long-term care rider, but we're having trouble deciding which is best for our situation. Do you have any recommendations?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Publication</a></li><li><a href="https://soundmindinvesting.com/articles/trump-2-0-using-objective-investing-models-to-guide-us-through-anticipated-disruption">Trump 2.0: Using Objective Investing Models to Guide Us Through Anticipated Disruption by Mark Biller (Sound Mind Investing Article)</a></li><li><a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Major changes are likely coming for the U.S. economy. Will you be ready for them?

We have a new president who’s pledged to overhaul the economy. How will that affect investors and the markets? Mark Biller joins us today with a plan for managing “anticipated disruption.”

Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance.

Guidance For Economic Disruption with Mark Biller

What questions do I ask when I'm trying to decide how to give the resources that God has entrusted to me? Ron Blue shares his personal experience.

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