Randy Alcorn

__Jesus tells us to *“Seek first his kingdom and his righteousness, and all these things [what you eat, drink, and wear] will be given to you as well”* ([Matthew 6:33](https://biblia.com/bible/esv/Matt%206.33)). Unlike th e pagans who “run after all these things” and “worry about tomorrow,” believers are told to follow Christ, live a radical life of faith, and trust God to provide ([Matthew 6:25-34](https://biblia.com/bible/esv/Matt%206.25-34)).__

In this passage, Jesus says that God cares for the birds. Yet birds aren’t created in God’s image. Christ didn’t die for birds. The Holy Spirit doesn’t indwell birds. Birds won’t reign with Christ. But we will! So Christ asks his disciples, *“Are you not much more valuable than they?”* ([Matthew 6:26](https://biblia.com/bible/esv/Matt%206.26)). If he takes care of the less valuable creatures, will he not take care of us, who are far more valuable?

Of course, the birds provide for their immediate future through labor—building nests and obtaining food for their young. But they don’t maintain one nest in the mountains and another at the beach. Neither do they fill their cellars with freeze-dried worms. Birds do the work that God created them to do; they sing when they work, they don’t hoard, and they instinctively trust their Creator to take care of them. Should we who know God’s grace do any less?

Jesus says, *“Accept my sovereignty and goodness, and you won’t have to worry about tomorrow. Trust me.”* All of us trust in something. The more dependable the object of our trust, the less we need to worry. The stock market isn’t God, the *Wall Street Journal* isn’t the Bible, your asset manager isn’t your priest, and financial experts aren’t prophets. (Prophets were put to death when their prophecies didn’t come true!) That doesn’t mean the stock market is bad, but it does mean it’s not trustworthy. It may do well for a day, a month, a year, or even a few decades. But because the stock market is uncertain, it can only produce anxiety when it becomes the object of our trust. God is the only totally trustworthy object. Therefore, he’s the only one who cannot betray our trust.

Why is this truth so hard for us to accept? If we believe that God can create us, redeem us, and bring us through death to spend eternity with him, why can’t we take him at his word when he says he’ll provide for our material needs?

If God calls on you today to share your resources with another, you must not say, “I can’t, Lord, because I don’t know where my own provisions are coming from.” Yes, you do know where they’re coming from. They’re coming from God. You may not know the form this provision will take, but you do know the Source. Like the poor widow who had no cash reserves, you know that God will take care of you, even if there are no visible resources.

__If God has control of everything, and God takes care of his children, and God gives everything necessary to those who walk with him; and if you are his child, and you are walking with him—why worry? Worrying never helps anything anyway—but has hurt plenty.__

__[image](https://www.epm.org/blog/2015/Jul/20/provision-not-worry) __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

Why can’t we take him at his word when he says he’ll provide for our material needs? Let's explore what the Bible says.

Why You Can Trust in God’s Provision – and Not Worry

__When I was a kid I wanted to be a professional baseball player and be rich. I think most of us desire to be rich. Just today my Lyft driver told me how he wanted to be the first millionaire in his family.__

But what does God say about this?

__The Driving Force__

The Bible mentions plenty of wealthy people, some who followed God and others who didn’t. But only one of them was called to sell everything he had and give it to the poor.

Deep down, many of us wonder if God loves the poor more than the rich. We wonder if somehow it’s more spiritual to be poor. Others of us see financial prosperity as a sign of God’s blessing. We assume it’s more spiritual to be rich.

What Jesus clearly said was, “No servant can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” Luke 16:13

I have often read this verse as “You *should not* serve God and money.” In other words, it’s bad. But now I see it as: “You cannot serve God and money because it’s impossible.”

It’s possible to be religious and put money first in your life. But Jesus says it is not possible to be a lover of God and a lover of money. These two things war against each other and each of us must decide between them.

We must choose who or what will be the the Lord of our lives. Who or what will be the driving force: God or money?

__The Dangerous Byproduct__

The current of our world pulls us in the direction of the love of money but it’s Scripture that paints a picture of where that river ends.

“Those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.” 1 Timothy 6:9-10

Am I arguing that money is bad and all Christians should be poor? No. It’s not bad to be rich, but being rich is a bad goal.

"It’s not bad to be rich, but being rich is a bad goal."

__A Higher Goal__

Instead of desiring to be rich, we should set our course toward a higher goal, toward better riches. God’s word actually invites us, “to be rich in good works, to be generous and ready to share…” 1 Timothy 6:18

Whether you ever have great wealth or not, you have the opportunity to be rich in good works. Your life could abound with the kind of fruitfulness that’s described as thirty, sixty, and a hundredfold. When we make serving God and others our greatest goal, we will become rich with true riches, the kind that really matter in the end, and we discover the life that is truly life. 1 Timothy 6:19

Today you could align with God’s word and decide that your greatest ambition is to be rich in good works. You could make it your holy passion to excel at advancing God’s kingdom.

What would it look like for you to repent of your desire to be rich? To turn from the goal of storing up treasure for yourself or securing yourself? Today, you could lay it down again by praying something like this:

“Dear God, I surrender my life, my influence, and my wealth to you. Use me to introduce people to Jesus and bring your kingdom on earth as it is in heaven. Guard me from the love of money and the love of this world so that my life will be aimed at eternity. In Jesus’ name. Amen.”

__[Image](https://www.gospelpatrons.org/articles/can-you-be-rich-%2526-a-christian)__ used with permission.

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

Gospel Patrons

Today my Lyft driver told me how he wanted to be the first millionaire in his family. But what does God say about this?

Can You Be Rich & A Christian?

__Are you worried about a recession? The Federal Reserve’s raising of interest rates to fight inflation is a recipe for slowing the economy. Are you prepared for it? If not, now’s the time to get started.__

So far, the GDP is still in positive territory, although not by much, and the unemployment rate remains low. That’s a blessing. But higher interest rates will inevitably slow the economy, so it’s time to “recession proof” your finances. Here’s how you can do it:

__Step 1: Check your credit score and get your credit reports.__ This will give you a base point and will allow you to accurately judge the effect of any late payments— if you’re forced to make any in the future. You can get a free credit report from each of the three bureaus, Experian, TransUnion and Equifax at [AnnualCreditReport.com](http://annualcreditreport.com/).

With those reports in hand, you’ll be able to show creditors that you’ve made timely payments on your various accounts in the past. That could help you negotiate better terms if you find yourself temporarily out of work.

__Step 2: Familiarize yourself with a Mayday Budget.__ It has only four categories. The first is food because you have to eat. (Keep it cheap and no eating out.) The next Mayday budget category is housing. Make your mortgage or rent payment. Then comes utilities, and finally, transportation. Those categories come first and with anything left over, you can pay other bills.

__Step 3: Look for other sources of help.__ Your unemployment benefits may run out, but other resources will probably be available. Check out non-profit organizations and local government agencies that may have assistance programs. You can call 2-1-1 to learn about services in your area, or go online to [211.org](http://211.org/).

__Step 4: Make a list of all your creditors and their contact information.__ Be ready to call them and explain in detail whatever financial situation you may be facing, and then pray you don’t have to use it, but if you do, it’s ready. If you can’t pay a bill, call your creditor before it comes due. Run *toward* your creditors, not *away* from them.

When you call and speak to a representative, have your latest paystubs handy so you can show how your income has been reduced. Tell that person how much you have available to pay on the debt for the time being.

Ask if you can temporarily stop payments, or make partial ones. Let them know how long you expect to be in your current situation. You may not know for sure, but try to give a reasonable estimate of how long it will take for you to begin making full payments on time again.

Make sure you get the person’s name and keep a record of what you talked about and any agreement you may have reached. Also, ask to have a copy of the agreement sent to you in writing. Creditors will usually do this anyway, but ask for it just to be sure, and hang on to that email or letter when it arrives.

Be aware that scam artists will use tough times like a recession to victimize folks already in dire financial circumstances. Don’t respond to emails or give out information to anyone who calls you, claiming to represent one of your creditors.

__Step 5: Get professional non-profit help for managing credit card debt.__ Contact our friends at [ChristianCreditCounselors](http://christiancreditcounselors.org/) if you start falling behind in payments, or expect will. They have arrangements with many creditors to lower your interest rates.

You’ll make one payment that covers several creditors, making things much simpler. It’s not debt consolidation, but debt *management* that can help you pay off your creditors 80-percent faster.

If you lose your health insurance, check out [Christian Healthcare Ministries](http://chministries.org/). They offer a medical cost sharing alternative to health insurance, almost always at a much lower cost.

__Step 6: Save as much as possible *now*. __If there’s a recession, you absolutely want to have three to six months’ living expenses in your emergency fund.

__Step 7: (We saved the best for last) Pray that God will provide wisdom for managing your finances in difficult times.__ James 1:5 assures us, *“If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”*

You can also __[listen](https://www.faithfi.com/search?q=Recession%20Proof%20Your%20Finances%20&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcast on this topic.

FaithFi

Raising interest rates can be a recipe for a recession. Are you prepared for it? If not, now’s the time to get started.

Recession Proof Your Finances

__Financial goal-setting is a powerful tool that helps individuals and couples get financially healthy and live more generously. Whether you're an individual or a couple, setting and pursuing financial goals can be a transformative tool, steering you towards a healthier financial life and providing the means to participate more generously in the Great Commission. Let’s dive into the significance of financial goal-setting.__

__1. Clarity and focus.__

At the heart of financial goal-setting is the ability to attain clarity and focus in your financial journey. By establishing clear financial goals, individuals can create a roadmap that delineates their priorities. Whether the focus is on generosity, debt repayment, or saving for significant future expenses like education or retirement, having well-defined objectives helps avoid impulsive and regrettable financial decisions. Clarity enables a strategic approach, allowing individuals to stay on track and make informed choices that align with their ultimate desired outcome.

__2. Motivation and discipline.__

Financial goals act as powerful motivators, encouraging individuals and couples to consistently work towards their objectives. Beyond motivation, these goals instill discipline by creating a structured plan for managing income and expenses. This discipline becomes the foundation for cultivating responsible financial habits and fostering long-term financial health. The combination of motivation and discipline ensures a sustained commitment to the journey, leading to financial health and increased financial generosity.

__3. Measurable progress.__

An important benefit to financial goal-setting is the ability to measure progress. Goals serve as benchmarks against which individuals can track their progress, enabling them to celebrate small victories along the way. Regular assessment and adjustments to strategies based on these measurable milestones are essential. This not only reinforces a positive mindset but also encourages perseverance during challenging times. The ability to witness tangible progress motivates individuals to stay the course and continue striving towards their financial goals.

__4. Enhanced decision-making.__

Well-defined financial goals play a pivotal role in enhancing the decision-making processes. The act of setting goals prompts individuals and couples to evaluate choices based on their alignment with their financial objectives. Will taking on a car loan hurt or help the progress? Will spending money out of the emergency fund on non-emergency expenses help or hurt reaching the goal?  This critical evaluation guides decision-making toward options that contribute to financial health. Informed decision-making is important to achieve sustained financial health and generosity, ensuring that each financial choice is a conscious step towards the overarching goals set in place.

__What goals should you chase? Consider the 8 Money Milestones program.__

A practical and comprehensive approach to biblical financial goal-setting is found in the [8 Money Milestones program](http://www.8moneymilestones.com/). This program addresses key financial areas, including getting out of debt, saving for retirement, and allocating resources toward Great Commission work. By following the 8 Money Milestones, individuals can methodically work through a series of financial objectives, creating a holistic plan for financial health and Kingdom-advancing generosity.

Financial goal-setting is a potent tool that empowers individuals and couples to achieve financial health and live more generously. The 8 Money Milestones program serves as a structured guide, offering a roadmap to navigate the complexities of personal finance. By setting clear goals, staying motivated, measuring progress, and enhancing decision-making, individuals and couples can take significant strides on their financial journey.

__Whether aiming to get out of debt, save for retirement, or give more generously, financial goal-setting provides the framework for a purposeful and fulfilling financial life. Consider using the 8 Money Milestones program as a powerful tool for achieving your financial goals, both individually and in a group setting. Let the act of goal-setting propel you toward a future of financial well-being and generosity.__

*[Image](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/file-uploads/blogs/2147689326/images/5c2c5a-4a8c-e83e-ad71-08334c1785f_1.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

Savings

Financial goal-setting is a powerful tool that helps individuals and couples get financially healthy.

4 Reasons Why You Should Set Financial Goals

__We work, and then we don’t work. That *traditional* view of career and retirement planning is evolving into something more nuanced, with “phased retirement” and “working for pleasure in retirement” becoming more common ways that people envision their later years, especially today’s younger workers.__

According to Fidelity’s [2024 State of Retirement Planning study](https://preview.thenewsmarket.com/Previews/FINP/DocumentAssets/663841.pdf), the advice of agrowing number offinancial planners to have something compelling to *retire *to rather than *retiring from* your job seems to be taking hold. Apparently, the global pandemic was also a factor, with some 66% of adults saying the COVID crisis “made them more intentional about focusing on their personal passions and dreams in retirement.”

Rather than retirement being a full stop from work, they hope to ease into it, moving from full-time to part-time work before stopping completely. Millennials, those ages 27-42, are especially likely to say they look forward to “pursuing work for pleasure while in retirement.”

__The desire for a do-over__

One of the most common retirement-related regrets across all generations is not having started saving for retirement earlier. While that was evident in the Fidelity study, there are encouraging signs here as well, with the youngest respondents — the 26-or-younger members of Gen Z — indicating that they *did* start saving at an early age, *and* they’re aware that it would have been better had they started even earlier.

__Generation | Age started saving for retirement | Age they wish they had started__
__Gen Z__ | 20 | 18
__Millennials__ | 27 | 22
__Gen X__ | 36 | 26
__Boomers__ | 44 | 33

As I describe in *[Trusted: Preparing Your Kids for a Lifetime of God-Honoring Money Management](https://www.amazon.com/Trusted-Preparing-Lifetime-God-Honoring-Management/dp/1646070755)*, many of today’s children could have a huge head start on saving for retirement by the time they graduate from high school. For example, it’s not unrealistic for many of today’s young people to save $3,000 by age 18. If they put the money in a Roth IRA and invest it aggressively, even if they never add another penny to that account, it’s possible that they could have over $1 million available tax-free by the time they are 70.

__Now or later?__

Preparing for retirement is a balancing act, even for the most intentional planners. It’s common for people to want to travel more in retirement to spend time with their adult children/grandchildren or enjoy certain experiences they didn’t have the time or resources to enjoy during their careers. But it’s also common for many such planners to miss out on what they had hoped to enjoy because of ill health in retirement.

So, on the one hand, if you save too much now, you may be trading off activities you’ll never be able to experience. On the other hand, if you *spend* too much now in order to experience what you might not be able to experience later, you may be trading off being better financially prepared for your later years. Finding the right balance between those priorities can be a challenge.

__What resonates with you in all of this? Do you envision retirement as a full stop from work or something you’ll ease into? And how are you balancing the need to save enough for retirement while at the same time not missing out on certain memory-making experiences you might not be able to enjoy later?__

*[Image](https://soundmindinvesting.com/img/asset/Y2xvdWQvcmV0aXJlZV9zaG9wbF9vd25lci5qcGc=?fit=crop-2-67-1&w=1660&h=896&s=0fc864fea84fad17a4a5930565a9065c) used with permission.*

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

Sound Mind Investing

Retirement

That traditional view of career and retirement planning is evolving into “phased retirement” and “working for pleasure".

Expectations About Retirement Are Changing

__Proverbs 27:12 says, *“The prudent see danger and take refuge, but the simple keep going and pay the penalty.”* Just like saving for the future, insurance helps protect our financial health and generosity. Insurance is a tool for transferring risk.__

In today's uncertain world, where unexpected events can instantly disrupt our lives, having comprehensive insurance coverage is not just a luxury but a necessity. From protecting our homes and automobiles to ensuring our health and providing financial security for the future, insurance plays a pivotal role in safeguarding our well-being, peace of mind, and generosity.

Here are six types of insurance that you need:

__1. Homeowners insurance.__

For many of us, our house is our most significant investment. Homeowners insurance protects against a myriad of risks, including damage from natural disasters, theft, vandalism, and liability for accidents that occur on our property. Without adequate coverage, a single unforeseen event could potentially devastate our finances and jeopardize our ability to rebuild and recover.

Homeowners insurance is often a requirement for obtaining a mortgage. Lenders typically mandate borrowers to carry this insurance to safeguard their investment in the property. Thus, having homeowners insurance isn't just about protecting your home but also fulfilling a contractual obligation.

__2. Automobile insurance.__

As indispensable as cars are to our daily lives, they also pose significant risks on the road. Automobile insurance provides financial protection against liabilities arising from accidents, property damage, bodily injuries, and even theft or vandalism. In many states, carrying auto insurance is mandatory, highlighting its critical importance.

Beyond legal requirements, automobile insurance offers peace of mind, knowing that you're financially protected in case of an accident. Medical expenses and vehicle repairs can escalate quickly, and without insurance, you may face overwhelming debts. By investing in comprehensive auto insurance, you mitigate these risks.

__3. Health insurance.__

Good health is a precious asset, yet it's susceptible to numerous threats, including illness, injury, and chronic conditions. Sin has corrupted our bodies. Health insurance provides coverage for medical expenses, including hospitalization, prescription medications, doctor visits, and preventive care. Without health insurance, even minor health issues can lead to costly bills, potentially leading to bankruptcy.

Health insurance also promotes timely access to healthcare services, enabling early detection and treatment of illnesses, which can improve health outcomes and quality of life. When you purchase health insurance, you're not just protecting your finances but also prioritizing your well-being and ensuring access to essential medical care when you need it most.

__4. Disability insurance.__

Despite our best efforts to stay healthy and safe, accidents and illnesses can still occur, potentially rendering us unable to work and earn a living. Disability insurance provides income protection in such scenarios, replacing a portion of your lost income if you become disabled and unable to work. This coverage is especially crucial for individuals who rely on their income to support themselves and their families.

Without disability insurance, a sudden disability could plunge you into financial hardship, jeopardizing your ability to meet your financial obligations and maintain your standard of living. By securing disability insurance, you create a safety net that ensures financial stability and peace of mind, even in the face of unexpected challenges.

__5. Long-term care insurance.__

Most people buy this in their mid-50s to mid-60s. As you age, you are increasingly likely to find yourself facing a medical situation that requires long-term assistance. Long-term care insurance provides coverage for services such as nursing home care, assisted living facilities, and in-home care for individuals who need assistance with activities of daily living due to aging, illness, or disability.

The cost of long-term care can be staggering, draining savings and assets accumulated over a lifetime. Long-term care insurance helps protect your assets and preserve your financial independence, ensuring you receive the care you need without depleting your resources or burdening your loved ones.

__6. Life insurance.__

While it may be uncomfortable to contemplate our mortality, planning for the financial well-being of our loved ones in the event of our passing is an essential stewardship responsibility. Life insurance provides a financial safety net for your family and dependents, offering a tax-free lump sum payment (the death benefit) upon your death.

This coverage can help replace lost income, pay off debts, cover funeral expenses, and provide financial security for your loved ones, ensuring that they can maintain their standard of living after you're gone. Life insurance is a tangible expression of love and responsibility, demonstrating your commitment to protecting your family's future.

Insurance is not just a financial product but a cornerstone of our financial security, peace of mind, and generosity. By purchasing these six types of insurance, from homeowners and automobile to health, disability, long-term care, and life insurance, we're taking proactive steps to safeguard our assets, protect our loved ones, and ensure our ability to live and give more generously. Don't wait for a crisis to strike; prioritize insurance today and pave the way for a more resilient tomorrow.

*[Image](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/file-uploads/blogs/2147689326/images/84b66fe-fd0-16fa-b3a2-e626ddc14b5a_1.jpg) used with permission.*

Marriage and Family

Insurance plays a pivotal role in safeguarding our well-being, peace of mind, and generosity.

6 Types of Insurance You Need

__For Earth Day this year, I’m taking a moment to reflect on the progress we’ve made seeking to restore and care for cCreation.__

Perhaps one of the greatest challenges in working on values-driven shareholder advocacy in my role at Praxis Mutual Funds® is staying positive and constructive when engaging companies on seemingly intractable issues. Profound environmental crises, such as climate change, resource depletion, toxic chemical proliferation, and biodiversity loss, appear to be converging, and the steps taken so far to ease their impact have been insufficient at best.

For much of my young adulthood and career, I embodied the notion that our unsustainable systems need to fundamentally change – and quickly – or else creation would face catastrophic consequences. This contributed to a great sense of urgency and the need to pursue a frantic pace of corporate engagement. While my thinking was technically correct, the high stakes approach I took was exhausting and sometimes overwhelming. Against the backdrop of slow progress and negative trends, thoughts of hopelessness and, at worst, disengagement, weren’t far away.

As I’ve matured, I think I’ve gained wisdom in approaching the problems of our time. I now routinely ask myself: What can I do with what I control? Accepting a limited role can feel both manageable and freeing. I’ve even come to welcome the idea that I may contribute to change that I may not fully realize in my lifetime.

I also ask: How can I acknowledge gradual success? Despite the setbacks and frustrations, progress does occur, and it’s important to document it. Gaining a sense of achievement can go a long way toward facilitating future accomplishments. I’ve also learned through my advocacy experience that small steps can lead to big leaps.

My changing perspective has been influenced in part by my own conservation work.

Part of the land where my family lives was strip-mined for coal in the 1950s. The mine provided a few jobs for a few years and was promptly abandoned when the coal seams were exhausted. What was once rolling farmland and forest now more closely resembled the surface of the moon, with deep gullies, high walls, and persistent erosion. With the topsoil buried underground, the land remained largely devoid of vegetation in the following decades.

In the early 1990s, state contractors planted a few thousand pine and black locust trees through a program that assisted with the reclamation of old mine lands. Many trees succumbed to the harsh conditions of the strip mine, but this effort led to some patches of trees taking root. By the time I bought the property in 2007, some areas had begun recovering into young forest while large sections of moonscape remained.

I knew that rehabilitating the land would be the project of a lifetime – more than one lifetime, in fact. But I took it as my mission as a steward of God’s creation to restore what I could in the time that I have.

In the past 15 years, with the help of family and friends, I have planted over 10,000 trees to re-forest the land, erected micro-dams to mitigate erosion, and practiced forestry work to limit the proliferation of invasive species. All the barren spaces have been planted at least twice. The progress isn’t always quick or linear, but it is real.

The pine trees’ roots prevent erosion, and their dropped needles provide necessary organic material on the ground. As the trees grow taller and their branches wider, their shade lowers the extreme heat of the sun hitting the dark slate soil. As topsoil is formed and the harsh surface conditions are improved, hardwood trees establish and eventually replace the pines. Forest flora emerges, and the acid water caused by strip mine exposure is reduced. Creatures from insects to deer return and regenerate ecosystems.

Different parts of the land progress at different rates, and I can observe these changes on a yearly basis. Each step is gratifying and gives me motivation to continue my conservation work. It may take two hundred years to approach the forest and soil conditions that existed before the mining, and several hundred more to restore the state of the springs and surface water to what they once were. Nonetheless, I’m not deterred by the long trajectory. The journey toward the goal of full rehabilitation is fulfilling on its own.

I try to draw lessons from my reforestation project for my shareholder advocacy work. While it’s important to keep ideals and long-term goals, guiding my way, incremental progress toward those goals isn’t just symbolic, it’s how those goals are practically achieved. For instance, small changes to corporate policy that may seem insignificant – such as a 10% reduction in emissions or access to paid sick leave for employees – can make a difference to millions of people. And they often lead to more impactful changes.

__Examples of incremental success with shareholder advocacy include:__

- Environmental Justice: In 2009, Praxis participated in a shareholder advocate learning tour of Mossville, La., where residents were surrounded by chemical plants and lived with polluted air and water, and although many wanted to move, they were unable to because their homes had virtually no value due to the pollution. At that time, shareholders began initial research and communication with companies, including Sasol, with input from local grassroots organizations. In 2012, Sasol announced a major expansion of its gas-to-liquid facility near Mossville, posing additional threats to the health of residents, and shareholders began direct advocacy with Sasol on behalf of residents, using relationships formed in prior years to bolster their case. Following this shareholder action, Sasol announced a voluntary property purchase program for residents affected by the company’s growth plans in 2013. Mossville residents were generally satisfied with the offer, and most took it, providing them with compensation and the means to move elsewhere.
- Climate Change: Praxis joined other shareholders in formal advocacy with American Electric Power (AEP) in 2016 on climate change issues, including emissions reduction goals and Just Transition. This advocacy led to several small commitments to pollution reduction and help for displaced workers. In 2021, AEP pledged to reach net zero carbon emissions by 2050, a move championed by shareholders. This commitment was subsequently moved forward to 2045, and AEP produced a strong, comprehensive Just Transition report in 2022, which will serve as its guide to supporting workers and communities affected by the transition to cleaner energy.

As people of God committed to sustainability and justice, we are not individually responsible for all the problems in the world, nor can we right all wrongs. I believe our mission is to work toward the wholeness of creation with the time and resources we are given, while honoring milestones along the way.

__Plant a tree, and marvel when its leaves emerge for the first time. Take satisfaction in recycling items that stay out of the landfill. Restore native plants to your property and observe the diversity of creatures that return. Celebrate incremental progress, let it provide motivation and energy, and keep working toward the greater goal.__


__Disclaimer:__ You should consider the fund’s investment objectives, risks, sales charges and expenses carefully before you invest. The fund’s [prospectus and summary prospectus](https://www.praxismutualfunds.com/resources/prospectuses-and-reports) contain this and other information. Please read them carefully before you invest.

Investment products are not FDIC insured, may lose value, and have no bank guarantee. Praxis Mutual Funds are advised by Everence Capital Management and distributed through Foreside Financial Services, LLC.

__[Image](https://www.praxismutualfunds.com/news-and-stories/shareholder-advocacy/2024/incremental-change-for-earth-day-and-in-shareholder-engagement)__ used with permission

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

Finding hope in the progress we experience

Incremental Change for Earth Day and in Shareholder Engagement

__A recent survey conducted by Lincoln Financial Group revealed that 62% of retirees expressed a desire to "re-do" their retirement planning, with only 27% feeling "very confident" about the longevity of their finances in retirement. The survey sampled 1,400 adults, including 261 retirees, highlights a recurring theme: retirees often wish they had started saving earlier and allocated more funds to retirement planning.__

Retirement is the point at which a person stops working for income. While the Americanized view of retirement, characterized by endless walks on the beach, daily golf, and no longer using our abilities for the Great Commission, may not align with Scripture, we still will likely face a point where we are no longer able to work for income. Even if we hope never to stop working for income, our health or employer may make the retirement decision for us. Because of this reality, preparing for this season of our lives is wise.

Diving deeper into the survey, we come across four other eye-opening results. Let’s look at the results and consider some lessons learned.

__1. 75% of retirees said they would have started saving earlier in their “do-over.”__

A staggering 75% of retirees regret not commencing their savings journey sooner. When it comes to saving and investing for retirement, time is the most important asset. Remember this formula: A little bit of money + A lot of time = A lot of money. The earlier a person starts saving for retirement, the less they need to contribute. Why? Compounding. Compounding is interest earned on your interest earned. Albert Einstein is regularly attributed for this quote, “Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't pays it."

The lesson learned is to take advantage of the time you do have. Following the 8 Money Milestones, you should start saving for retirement at Money Milestones 3 and 6.

__2. 63% of retirees said they would have saved more in their “do-over.”__

While time is the most important asset, the amount a person sets aside for retirement is also critical. Americans regularly struggle to save for the future. The general recommendation is to set aside 15% of your gross income for retirement. Of course, the specific amount can vary from person to person. The lesson learned is that the sacrifice is worth it. Sacrificing current wants to save for future needs is wise and can leave you with less regret.

__3. 34% of retirees said they would have paid off their debts sooner in their “do-over.”__

The Bible teaches us that debt is a burden (Proverbs 22:7). Retirees with debt feel the weight of this burden. Debt can consume a significant portion of Social Security and the income generated from retirement savings. A retiree’s mortgage payment alone can consume one-third of their monthly income. One of the best ways to ensure a retiree’s Social Security and retirement savings will be enough is to eliminate their debt before retirement. Owning a home without a mortgage can be a significant benefit for retirees. This is why homeownership should be viewed as a long-term strategy to free up future cash flow. The lesson learned is to get serious about eliminating debt now. Following the Money Milestones, this is Money Milestone 4. Debt hinders a person’s generosity and creates significant financial stress during retirement.

__4. About a quarter of retirees said they would plan better for inflation in their “do-over.”__

We are very familiar with inflation’s impact on our finances. Recent inflation has impacted all of us. Life is simply more expensive now. While inflation rates are not always as significant as we recently experienced, more money will likely be required during retirement to maintain your current standard of living. Inflation's impact must be considered if you want to have a financial margin during your retirement years. The lesson learned from this statistic is to prepare for increased living costs during your retirement years.

As followers of Christ, retirement is not to be characterized by years of leisure but by continued Great Commission impact. Financially preparing for this time can allow a retiree to worry less about money and more about how they will spend the rest of their lives getting the gospel out to their community and around the world. Preparing for retirement is preparing for future generosity.

*[Image](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/file-uploads/blogs/2147689326/images/6084aa-ba3e-57f2-31f4-6667324ec_1.jpg) used with permission.*

Retirees often wish they had started saving earlier and allocated more funds to retirement planning.

62% of Retirees Would Plan for Retirement Differently

<h3>The Playbook for Chronic Anxiety</h3><p>It's generated by assumptions, expectations, false beliefs, and false needs. So, if we can uncover false needs, we can learn to die to them and relax into God's sovereignty. This is a compelling way to grow in our relationship with faith. We can use our anxiety triggers to open our souls up to God's presence. </p><h3>What is an assumption you hold about yourself that's unreasonable? </h3><p>If you’re a perfectionist, almost every assumption you hold about yourself is unreasonable. Think about it. When was the last time you looked at your work and said, "That was well done." Perfectionism is always chasing a carrot we can never reach. It’s a treadmill to nowhere. </p><p>Anxiety has a competing gospel. The idea out of all of the gospels is that this is the only gospel where God pays and the human benefits. In every other belief system, the human pays and the god benefits.</p><p>If you think about ancient sacrifice systems, even in the Roman Empire and the Egyptian Empire back in the days of Moses, humans paid, and the gods benefited. In the Roman Empire, Caesar Augustus's nickname was the son of god and the most profound confession of faith in Rome was Caesar is lord. And along come Luke and Paul, and they say, "Nope."</p><p>The people paid and paid, and Caesar got all the benefits. For perfectionists, this message will free you when you realize that perfectionism is a gospel that makes you pay for its benefits.</p><h3>The Treadmill To Nowhere</h3><p>God is not asking you to be perfect. God is asking you to be human-sized. You're expecting yourself to be perfect. You are living out of a gospel of self. Whether you’re a perfectionist or a people pleaser, you’ll realize you can never please people enough because it is forever a carrot out of reach. Or a treadmill with no end in sight. </p><p>Chronic anxiety is like a personal trainer tapeworm. If you’ve ever had a tapeworm, you usually don’t even know you have it because they are so small and feed off your energy. That’s how they grow. </p><p>That's what anxiety does. It grows by consuming you, and like perfectionism or people pleasing, it puts you on a treadmill to nowhere. As you run, it’s pushing the incline and go-faster buttons into burnout, and you're not getting anywhere. </p><p>God doesn’t want us to be anxious, especially about finances. We need only to be faithful stewards and trust Him to provide because He always does.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My husband recently retired from the military with over 20 years of service and received a small VA pension in his retirement. I work full time and we can live off of that so he was lucky enough to find employment in his field. We're excited that he'll be getting that income but right now, we have $47,807 left on our mortgage, which is at 2.5% interest. I recently completed my doctorate and to do that I had to take out three student loans whose interest rates vary from 5.2%, 6.6%, and 6%. I owe $45,032. So, where do we start the income he'll get from his employment?</li><li>I'm 69 years old and bought a 20-year life insurance term 20 years ago. I also had the cash surrender value option and now that the 20 years is up, I've got a check for $16,945 from the life insurance company. But when I saw what they were doing, I should have been getting $17,600. So I called them up and asked where the rest of the money was. They said that I automatically went into extended-term insurance when mine canceled out. After reading the fine print, I called them a month before this term insurance was supposed to be canceled and stopped the check so they couldn't get money out of the account anymore. I also told them to cancel this policy as of the date, and they still got the extra $514.22 for the extended term. Have you heard of that before?</li><li>Some family members are overwhelmed financially and have a lot of credit card debt. Is there a credit counseling agency that you recommend?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://www.christianitytoday.com/ct/podcasts/being-human/">Being Human with Steve Cuss (A Podcast by Christianity Today)</a></li><li><a href="https://www.amazon.com/Expectation-Gap-between-Beliefs-Experience/dp/0310156378/ref=sr_1_2?dib=eyJ2IjoiMSJ9.L20NKVs1o9SbeZzwEKUThRtQ5VDG5UuLSZkN66B69TaHdGJ3zgfqD6T_yEkMUAJD9QV1Ht_GIm2cK_F45nhtMelMApnUIU-rNSnwzBqwafAvI-XWPwTc7nYDmCLVV7SunAEKOMXZRV1oJi7c83XLlrX3ST7SQZsXnLdpRKWSCjP58NsKagZeictWQ8PeGUiP78W4M2ERHuAVQm14Txo3W53UDaAUrwaw93uAjKQ7NJ4.boLvtRRz9sKFXrqNti4OBo9mUdr0qp_xPOsm8FXN0Jw&amp;dib_tag=se&amp;keywords=steve+cuss&amp;qid=1712958796&amp;sr=8-2">The Expectation Gap: The Tiny, Vast Space between Our Beliefs and Experience of God by Steve Cuss</a></li><li><a href="https://www.dfs.ny.gov/">New York State - Department of Financial Services</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)</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

“Peace I leave with you; my peace I give to you. Not as the world gives do I give to you. Let not your hearts be troubled, neither let them be afraid.” - John 14:27

Do you occasionally feel overwhelmed by anxiety? Or is it more of a chronic condition, and often about your finances? We’ll hear from Steve Cuss today about recognizing and overcoming anxiety.

Steve Cuss is a pastor, former chaplain, and founder of Capable Life, which helps people lower internal and relational anxiety in the workplace and at home. He is also the host of the Being Human podcast from Christianity Today and the author of “The Expectation Gap: The Tiny, Vast Space between Our Beliefs and Experience of God.”

Managing Chronic Financial Anxiety With Steve Cuss

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

Whether you’re just getting started or well on your financial  discipleship journey, Compass can help you learn, apply, and multiply the Bible’s teaching on money and possessions.

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

Equipping people worldwide to faithfully apply God’s financial principles so they may know Christ more intimately.

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

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. Through our biblical community, brothers and sisters in Christ are here to meet the need of eligible medical bills while lifting you spiritually

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

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

<h3>The Power of Trust</h3><ul><li>Proverbs 3:5-6 says: <i>“Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him, and he will make your paths straight.”</i></li></ul><p>This establishes our role as stewards and God as the owner, which gives us the freedom to look to Him for His plans for our money and not worry about our plans.</p><h3>The Power of Focus</h3><p>The power of focus is to ask God what the next thing He would have us do is and to focus on that one thing until we progress on it before moving to the next. </p><ul><li>Proverbs 4:25 says, <i>“Let your eyes look directly forward, and your gaze be straight before you.”</i></li><li>Proverbs 16:3 also says, to <i>“Commit your work to the Lord, and your plans will be established.”</i></li></ul><p>Research shows we can't multitask, so focusing on one goal at a time is essential.</p><h3>The Power of Priorities</h3><p>We can think of financial priorities for the "live, give, grow” pie, starting with the 10/10/80 principle—give 10% first, save/grow 10%, and use the remaining 80% for living expenses. </p><p>Prioritize giving first, then growing, then living expenses. The big priorities within living are housing, transportation, and food, and we should keep those to less than half of our take-home pay.</p><h3>The Power of Planning</h3><p>We must spend money on purpose by making a plan on paper or digitally before each month begins. We recommend using a budgeting app like <a href="https://www.faithfi.com/manage">FaithFi</a> to digitally allocate money to "envelopes" each month for planned expenses. </p><ul><li>Proverbs 27:23 tells us to “Know well the condition of your flocks, and give attention to your herds,”</li></ul><p>Larry Burkett popularized the envelope system in the past, and even digitally savvy couples sometimes find it helpful to use cash envelopes to control their spending in some categories better.</p><h3>The Power of Cash</h3><p>If you only use cash, you can’t easily go into debt. </p><ul><li>Proverbs 21:20 reminds us, "<i>Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.”</i></li><li>Proverbs 22:7 also says, <i>“The rich rules over the poor, and the borrower is the slave of the lender.”</i></li></ul><h3>The Power of Decision-Making</h3><p>God’s Word teaches that we can always go to Him when unsure of what to do.</p><ul><li>James 1:5 tells us, <i>“If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”</i></li></ul><p>Here is a flowchart approach to decision-making, asking questions like if the expense is essential, whether it will help or hurt financial goals, whether it can wait, and whether there are less expensive options:</p><ul><li>Is this expense essential for our family’s survival?</li><li>Will this purchase help my financial situation?</li><li>Will this purchase hurt my financial situation?</li><li>Will this purchase move me toward meeting my financial goals?</li><li>Can we wait to incur this expense?</li><li>Is there a less expensive alternative?</li></ul><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>When I had my first baby, I had an attorney draft a will. Now I'm finding all of this about probate. My youngest is 18, and I am looking to see what I can do instead of having a will because of probate court. I made sure all my accounts had beneficiaries, and I'm looking to get my house title transferred upon death. What would you advise for that? How can I eliminate that will since it doesn't apply anymore? My kids are older and other people that I put in there I no longer want to be in there. </li><li>Medicare has notified me that they automatically provide prescription or drug coverage, so they gave me a new card. However, I already have Blue Cross Blue Shield coverage, which works fine, but I would have to opt out of what Medicare provides. I started to opt out of what Medicare provided but wanted your feedback since they already provided it. Do you have any thoughts? </li></ul><h3>Resources Mentioned:</h3><ul><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)</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>

God’s Word contains powerful financial teachings that can change your life. Are you using it?

The Bible contains over 2,300 verses on money and possessions, a storehouse of powerful financial tips. Sharon Epps joins us today to discuss them. Some you know, but some may surprise you.

Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization.

Powerful Financial Tips With Sharon Epps

<h3>What does Buckner Shoes for Orphan Souls do? </h3><p>They are Buckner International's largest humanitarian aid project. Their mission is to follow Jesus' example by serving vulnerable children, families, and seniors. One way they do that is through partnerships like Buckner Shoes for Orphan Souls, where they come alongside believers in churches, businesses, and families throughout the U.S. to provide new shoes for children worldwide. </p><h3>Why are shoes important for health, education, and opportunity, especially in underdeveloped countries?</h3><p>Children can't go to school without shoes in many countries where they work, so Buckner promotes education by providing that gift. Additionally, wearing shoes makes many foot-borne illnesses in some communities entirely preventable. </p><p>Many of the shoes they distribute also allow Buckner ministries to meet and come alongside children and families in their community, providing redemptive ministry for them.</p><h3>How do shoes pave the way for sharing the Gospel?</h3><p>Every pair of shoes is an opportunity to directly connect with the child and let them know they're loved, cared for, and not forgotten by us or God. Additionally, every pair of shoes will have an encouraging note to them, often expressing the love of Christ for them.</p><p>Every pair of shoes is often the start of a relationship between the recipient and Buckner ministries where Christ-centered redemptive ministry is being done.</p><h3>How can people get involved with Buckner Shoes for Orphan Souls?</h3><ul><li><a href="http://giveshoestoday.org">GiveShoesToday.org</a></li><li>Every $15 will provide a pair of shoes for a child worldwide, giving them further opportunities in education, healthcare, and, most importantly, the hope of the Gospel. </li></ul><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My wife and I want to purchase our first home in about a year. We are a single-income family: I work, and she stays and homeschools our four children. Would it be a good idea to have her listed on the mortgage when it's time to get our mortgage? Or would it be better to keep her off? I don't want her to be responsible for something happening to me. I would like your opinion on that.</li><li>I had a couple of garage sales on our block this weekend. Both neighbors are selling their homes and my daughter and her husband love my neighbor's home. They got married in June last year when they got their condo. They want to buy this cute, humble home, jump from the condo, and maybe get this first home, but both are fortunate to be college-educated and are doing okay. One was late on several car payments so their credit score wouldn't be too good. Unfortunately, they need a cosigner so they asked me if I would be willing to do that. What do you think about this and more importantly, what does the Bible say about this?</li><li>I have a 457 retirement plan, and my beneficiary is my wife. If something should happen to me, she would get the money, but I was wondering since she doesn't have any retirement income set up, if she would be able to roll it over so she could make it her retirement savings so that she wouldn't get hit so hard on the taxes?</li><li>I contacted a Christian credit counselor because I have about $9,000-$10,000 in credit card debt. They were able to break it down so that I could afford the payments, but I'm curious how that will look in the eyes of a lender for future financing. I am looking to purchase a home within the next year, which may negatively impact how a lender views me. </li><li>My husband passed away over 10 years ago and I was left with about $150,000 from the inheritance. I put about $40,000 into a CD five years ago, and the five years are almost up. I have about $100,000 sitting in a savings account making zero interest because it's in a savings account and I wanted to know what you can advise me on it. I'm 65 years old, so I don't want to do anything with a high risk, but it's just sitting there and not making anything.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="http://giveshoestoday.org">GiveShoesToday.org</a></li><li><a href="http://bankrate.com">Bankrate.com</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)</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>

When you leave the house, one of the last things you do is something you take entirely for granted— putting on a pair of shoes.

Millions of children in dozens of countries worldwide lack shoes, so that simple act isn't possible. Shawn Spurrier joins us today to discuss how you can help.

Shawn Spurrier is the Director of Buckner Shoes for Orphan Souls at Buckner International, an underwriter of Faith & Finance.

Shoes Make Hope Shine With Shawn Spurrier

<h3>What options and rates do Christian Health Ministries offer?</h3><p>CHM is <i>not</i> health insurance, but medical <i>cost-sharing, </i>and nonprofit, enabling us to keep member costs down. CHM shares 100% of eligible medical bills, over $10 <i>billion</i> since its founding in 1981. Here are some of the plan costs to start (for individuals):</p><ul><li><a href="https://chministries.org/program/?program_id=44">Bronze</a>, $92 per unit, per month </li><li><a href="https://chministries.org/program/?program_id=44">Silver</a>, $138 per unit, per month</li><li><a href="https://chministries.org/program/?program_id=44">Gold</a>, $240 per unit, per month</li><li><a href="https://chministries.org/program/?program_id=44">Senior Share</a>, $115 per unit, per month</li></ul><h3>How is being a member of Christian Healthcare Ministries more flexible than most health insurance plans?</h3><p>CHM members are not limited to a provider network. They can go to any doctor or hospital if the treatment is eligible according to CHM guidelines. This gives members more flexibility and control over their healthcare than typical health insurance plans.</p><h3>Where does CHM’s ministry concept originate?</h3><p>CHM draws its concepts from the New Testament, where the Book of Acts says that all the believers pooled their resources together and shared what they had. So, CHM practically does that nowadays with medical costs. The spiritual component of what they do is vital to CHM, as they also pray for each other and send cards and emails of encouragement. It is an excellent example of the body of Christ serving one another.</p><h3>Where can people get more information?</h3><p><a href="https://info.chministries.org/faithfi">chministries.org/faithfi</a></p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I've been through over a decade of financial abuse, so I'm starting off having to reestablish with a low income. Are there any investment opportunities with a smaller amount that I can receive returns on, keeping some and then reinvesting the other? Also, do you have any other ideas for someone with a low income?</li><li>I'm considering retiring to get my money out of the company I work for now, but I don't know how much the government will take because I'm not 65 yet. Is there a cut-off where they don't take anything?</li><li>When I was stationed in Fort Polk and Fort Hood and bought houses, we had insurance that covered me if something happened to me, and the house would be paid for. I can't find those insurance policies anymore. Do you know of a resource that can help me track those down?</li></ul><h3>Resources Mentioned:</h3><ul><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</a></li><li><a href="https://content.naic.org/">National Association of Insurance Commissioners</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)</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>

How often do you get a chance to buy something you need of higher quality at a lower cost?

You’re probably thinking, “Not very often.” Well, you’ll get a chance to do just that today. Lauren Gajdek joins us with the details.

Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of Faith & Finance.

Cut Your Healthcare Costs With Lauren Gajdek

What are some everyday habits that families can do together to teach and model generosity? Ron Blue shares his personal experience as a father and grandfather.

Videos

What are some everyday habits that families can do together to teach and model generosity?

GROW IN WISDOM AND KNOWLEDGE

Learn

Thousands of articles, podcasts, and videos to help you learn what the Bible says about managing money and how it applies to your life.

Why You Can Trust in God’s Provision – and Not Worry

Randy Alcorn | Apr 25, 2024

Why can’t we take him at his word when he says he’ll provide for our material needs? Let's explore what the Bible says.

Can You Be Rich & A Christian?

Apr 25, 2024

Today my Lyft driver told me how he wanted to be the first millionaire in his family. But what does God say about this?

John Rinehart

Recession Proof Your Finances

Apr 25, 2024

Raising interest rates can be a recipe for a recession. Are you prepared for it? If not, now’s the time to get started.

Rob West & Jim Henry

Teaching Your Kids to Be Generous

Apr 25, 2024

What are some everyday habits that families can do together to teach and model generosity?

Ron Blue

LATEST PODCASTS

Faith & Finance

April 25th, 2024

April 24th, 2024

April 23rd, 2024

April 22nd, 2024

VIEW ALL EPISODES

Latest

4 Reasons Why You Should Set Financial Goals

Apr 25, 2024

Financial goal-setting is a powerful tool that helps individuals and couples get financially healthy.

Art Rainer

Expectations About Retirement Are Changing

Apr 23, 2024

That traditional view of career and retirement planning is evolving into “phased retirement” and “working for pleasure".

Matt Bell

6 Types of Insurance You Need

Apr 22, 2024

Insurance plays a pivotal role in safeguarding our well-being, peace of mind, and generosity.

Art Rainer

Incremental Change for Earth Day and in Shareholder Engagement

Apr 22, 2024

Finding hope in the progress we experience

Chris Meyer

62% of Retirees Would Plan for Retirement Differently

Apr 21, 2024

Retirees often wish they had started saving earlier and allocated more funds to retirement planning.

Art Rainer

Trending

Explore by Topic

Explore by Type

Looking for Something Specific?

EXPLORE BY CONTENT PARTNER

Trusted Biblical Stewardship Partners