**How do you live a life that truly flourishes—not just financially, but in every area God cares about? What does a life shaped by God’s design actually look like?**

It’s essential to understand that we’re not referring to a rigid mold or checklist. A faithful lifestyle shaped by Scripture will look different for each person, yet specific themes emerge from the Bible. It’s living in alignment with biblical principles every day, especially these:

**Foundations of a Flourishing Life**

Stewardship means recognizing that God is the owner of everything, and we are His managers. It means managing not just money, but time, talents, and resources for His glory. Psalm 24:1 reminds us that we don’t own what we have— we only manage it: *“The earth is the Lord’s and the fullness thereof, the world and those who dwell in it.”*

Generosity flows from gratitude and trust, reflecting God’s heart for giving. 2 Corinthians 9 teaches us to give cheerfully, not reluctantly, as an act of worship. Contentment frees us from the endless cycle of wanting more and allows us to rest in God’s provision. Integrity and honesty in all dealings—Proverbs is filled with guidance about honest scales and faithful business.

Purposeful living means every decision we make—financial or otherwise—is done with eternity in view, not just temporary gain. This lifestyle transforms every part of who we are. Colossians 3:23 tells us, *“Whatever you do, work heartily, as for the Lord and not for men.”*

**Aligning with God’s Principles**

These principles aren’t just good ideas—they’re God’s design for flourishing. Several things can help us determine whether we’re living in alignment with God’s financial principles:

- Budgeting with wisdom, knowing where every dollar is going, and ensuring our spending aligns with our values.
- Avoiding unnecessary debt and living within our means.
- Giving generously, not just from leftover income, but as a priority.
- In relationships, it means serving others, forgiving, and building a sense of community.
- Work becomes worship when we do it with excellence, not just for a paycheck, but as a service to God and neighbor.
- Making decisions thoughtfully, considering how each one reflects our faith.

Christ impacts every aspect of a person’s life: whether that’s money, work, relationships, or even leisure, with intentionality.

**Taking the First Step**

If you think, *“I want that kind of life,”* start with prayer—invite God to guide your heart and choices. Spend time in Scripture to understand His design for life and finances. Seek out a community that encourages and challenges you.

Begin small—maybe start by creating a budget, giving regularly, or setting boundaries in your work. Remember, this is a journey, not a checklist. Growth happens over time, and God’s grace covers our imperfections.

**Living for Christ is about daily faithfulness, trusting God’s leading every step of the way.**

FaithFi

Articles

How do you live a life that truly flourishes—not just financially, but in every area God cares about? What does that look like?

Living the Life God Designed for You

Matt Bell

Ken Dychtwald has long been one of America’s leading researchers on the topics of aging and retirement. With the publication of his 17th book this year, “What Retirees Want: A Holistic View of Life’s Third Age,” he spoke to *[The New York Times](https://www.nytimes.com/2020/10/15/business/rethinking-retirement.html?auth=login-email&login=email)* recently about how retirement has changed over the years and how people can better prepare.

When he started researching retirement in the 1970s, it was seen as “kind of a short wind-down period, following a life of hard work.”
> 
> *It used to be that in retirement people sought to do things that they always liked, but didn’t have time for during their working years, like taking an extended vacation, playing more golf, socializing with friends, or reading some good books. That is how I thought about it, too.*

However, with longer life spans and his own research showing “many retirees were feeling bored and irrelevant, for decades,” he now sees life generally broken down into three 30-year eras:
> 
> *For our first 30 years of life, our focus is on biological development, making friends, identity formation and seeking a partner. Then, from 30 to 60, it’s a period occupied with building a family and a productive career. However, because of medical breakthroughs during the 20th century, what is now emerging is a whole new stage of life between 60 to 90. And that is uncharted territory, but we know for sure that it offers far more than the limited retirement arrangements that our parents and grandparents pursued.*

For his new book, Dychtwald surveyed over 100,000 baby boomers. Among those who are retired, he said,
> 
> *The immediate period of retirement is like a liberation, a honeymoon period where people are usually exhilarated. That only lasts a year or so, and then there is another shift toward reorientation where people explore those big questions of what am I going to do all day long and what will matter to me?*

For Dychtwald personally, having just turned 70 really brought home the significance of all that he's been researching, and the need for people to better prepare for retirement.
> 
> *I’d like to be useful more than youthful…. However, I have been very troubled by the lack of usefulness among so many of my cohort. I’ve observed far too many boomers and older adults make themselves irrelevant. I was really troubled when I read that last year the average American retiree watched more than 48 hours of television per week. I don’t believe that’s the best we can do, or that’s the best we can be as elder men and women.*

Based on Dychtwald’s comments, other studies I’ve read about retirement, and some personal reflections on the topic, it seems we would all do well to pray about, reflect on, and put some focus on the following:

__We probably will retire one day.__ While the Bible doesn’t necessarily encourage retirement, most of us probably will eventually retire from full-time paid work, whether because of our own health, the health of a loved one, or God’s leading to put our time and attention elsewhere.

__Relationships will matter more than ever.__ In one of the most comprehensive and longest-running studies into the importance of social connection, the Harvard Study of Adult Development began following the lives of more than 700 men when they were teenagers in 1938. More than 60 of the original participants, now in their 90s, are still taking part.

Psychiatrist Robert Waldinger, director of the study, summed up its findings by saying,
> 
> *People who are more socially connected to family, friends, and community are happier, healthier, and live longer than people who are less well connected. And by the same token, people who are more isolated than they want to be are less happy, their health declines earlier in midlife, their brain function declines sooner, and they live shorter lives than people who are not lonely.*

Women seem to be more naturally gifted at cultivating friendships. So, men, get working on this! And if you’re married, retirement will likely mean spending a lot more time together — *a lot* more time. So, how’s the health of your marriage right now? What could you do today to make sure you bring your best to your spouse in your later years?

__We will want purposeful activity.__ As Dychtwald said, watching 48 hours of TV each week isn’t the best we can do. And it certainly isn’t God’s intention for us. However, according to the Employee Benefits Research Institute (EBRI) , 41% of today’s workers ages 55 and older have not thought about how they will spend their time in retirement. So, consider now how God might want to use your experience, skills, and passions to make a difference for Him in your later years.

__We will want to enjoy good health.__ Of course, health is the big unknown as we get older. How long will we be able to stay active? Much of that is up to us.

I remember hearing Dychtwald give a talk many years ago in which he said something that really got my attention. He pointed out that there was a time when if dread disease made its way to your village, chances are you would get it and it might kill you. Today, pausing for dramatic effect, he said the primary cause of death is suicide. His point was that modern medicine protects us from so many things that used to kill people, but we’re killing ourselves with our lifestyle choices — stress, unhealthy food, lack of exercise. It’s a compelling message and one we would all do well to embrace sooner than later. Hitting our later years having neglected our health will not make for a very fulfilling retirement.

__We will want a solid financial situation.__ Of course, this is the area where most retirement preparation articles focus, and clearly [there’s a need for some work here](https://soundmindinvesting.com/articles/view/the-retirement-investing-challenge-keeping-up-with-inflation-while-lim). According to the EBRI, among today’s workers ages 55 and older:
- 35% have less than $100,000 set aside for retirement.
- 45% have not taken the time to estimate how much money they may need for retirement.
- 60% have not thought about how much money they may need for healthcare in retirement.
What’s the biggest mistake today’s retirees tend to make? Dychtwald said,
> 
> *Far too many think far too small. I have asked thousands of people from all walks of life over the years who are nearing retirement what they hope to do in retirement. They tell me: “I want to get some rest, exercise some more, visit with my family, go on a great vacation, read some great books.” Then most stall. Few have taken the time or effort to study the countless possibilities that await them or imagine or explore all of the incredible ways they can spend the next period of their lives.*

If you are retired, what are some lessons you’ve learned? What steps did you take to prepare that served you especially well? And what do you wish you had done differently?

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

Sound Mind Investing

Retirement

Ken Dychtwald has long been one of America’s leading researchers on the topics of aging and retirement.

Rethinking Retirement

Rachel Rupert

OUR WORLD IS OUT TO GET US WHEN IT COMES TO HAVING NICE THINGS.

**The aggression at which we are convinced to buy items reminds me of 1 Peter 5:8: *'Be serious! Be alert! Your adversary the Devil is prowling around like a roaring lion, looking for anyone he can devour.'***

Don’t believe me? We are bombarded by advertisements every, single day. __[Studies estimate](https://www.redcrowmarketing.com/2015/09/10/many-ads-see-one-day/)the average American is exposed to 4,000-10,000 ads in a single day. __These are clever advertisements, targeted to fit you, the consumer. These advertisements track our purchases, our location, our browsing history, all to see how they can get us to make the commitment and spend, spend, spend.

The enemy has set a trap for us when it comes to pursuing the lure of wealth and possessions. Consumerism is all around us, and it’s wrapped in beautiful marketing strategies, no-interest deals, and payment plans. If we were to look honestly at our bank account and (hopefully) our budget, we know we can’t afford them. Yet so many of us buy into it and make an impulsive purchase, then end up feeling overwhelmed as we face the consequences of it. **The worst thing that can happen is you make a big purchase, like a home, and not understand what you’re signing up for.**

Owning a home is a lofty goal that almost feels like a rite of passage for many adults. As a young adult with my own COVID baby & toddler in tow, I have felt the pressure to buy a home to fit my growing family.

The real estate market is crazy right now. Prices are inflated, and most houses sell quickly for well over the asking price. People are paying tens of thousands of dollars over asking price, and even more than that when it comes to the actual value of the home. **Why?**

We see shiny new countertops, beautiful hardwood flooring, and well-designed marketing that captures our attention and draws our eye to the beauty of a new place. Or, maybe you’ve been scoping out real estate websites and browsing some of the beautifully renovated homes nearby -- I know I’m guilty! **All of these things have the potential to entice us to give in early and purchase a home under less desirable financial circumstances.** It could be choosing to put a smaller down payment on a home or opting for a mortgage rate that is much steeper than one you would have with a little more savings. In this market, it could mean making an offer higher than what you were really comfortable with.

**When you look at the “dream” versus the hard reality of your current living situation, it can rob you of your joy and make you feel miserable where you are now.**

My husband and I are living in a small, 2-bedroom duplex in a less than desirable neighborhood with two small children. The neighborhood is lower-income, and not as kept up as it could be. Behind our home, we have a run-down gas station, a ton of townhomes under construction, and a train track that runs a commuter rail several times a day. All this to say, we aren’t in love with where we are living. Is this where we want to raise a family? Not at all. I would love for my kids to have their own rooms. But we have committed to ourselves that we are going to make the best out of it until we feel we have enough money saved, and the right circumstances to purchase a home for a reasonable price. **Regardless of where you’re living, there’s a way to stay content with your current home until you are financially ready to move to the next step.** The important piece to this is to wait until you are financially ready for the next step. **Again, keyword: *wait.***

**Here are a few things to remember when you struggle with contentment:**

**FIND WAYS TO BE HAPPY WHERE YOU ARE**

It may seem like there’s absolutely no way to feel comfortable when you keep envisioning that end goal and comparing it to where you are now. But, a little bit of refocusing your energy may be the answer you need to feel a new sense of contentment while you save:

**MAKE AN EFFORT TO ADD HOMEY TOUCHES**

You may not have a big space, but maximize the space you have to be inviting, comfortable, and relaxing for you. If you aren’t comfortable, you’re going to constantly think about moving and what’s wrong with the place you’re in. There are a million ways to find inexpensive decor that makes all the difference. The most important thing you can do is make your common space (i.e., your living room or any space you would invite guests) a priority. Sometimes, just having a living room you really love is all it takes to find sanctuary and comfort in the smallest homes.

**DON’T GO OUT AND BUY EVERYTHING AT ONCE**

The goal of being where you are now is to save for the next place, right? So, if you are going to purchase new furniture or other items to help improve where you are, do it gradually. When Rudy and I moved into the duplex, we spent a lot of time with our mattress on the floor. We didn’t rush out to buy all new furniture for our room and instead took a few months to buy our night tables and bed frame. The great thing about doing things this way is you will constantly have new, little improvements that bring you joy. **Even better, you’ll never have to compromise your savings.** Add in a “housing expenses” category to your budget that is designed to give you the freedom to dream up ways to make your place a little homier. And, if you want to save for something bigger, save up for it within that budget category.

**KEEP CLEAN AND ORGANIZED**

It seems simple, but just keeping your home orderly and clean helps you see your little home for all of its potential. Organizing is the best way to maximize your space and help you stay content with the space you’re in. When you feel surrounded by clutter, it’s easy to think about how another home would better suit you. There’s also a great principle to learn here: when you treat your less-than-ideal home with respect and care for it with excellence, you will carry that same pattern into any home you end up in. Being careless in the way you treat your home will just lead to a snowball of unhappiness wherever you are… clutter doesn’t disappear in a larger home.

**Set a goal for how long you will commit to being where you are, and what you want to accomplish while you are there.**

No one wants to live in a tiny apartment or an outdated, rundown home/neighborhood. **But, if you use the time focusing on a financial goal when you see your savings increase you’ll be encouraged and see the payoff of waiting it out -** in exchange for the frustration and pressure of paying high mortgage and interest rates that you would with less money saved.

**MAKE IT COUNT**

Don’t let the time you have to spend in a small home or apartment be miserable, and don’t let it be for nothing. Remember your savings goal, and stick to it! **Celebrate each milestone as you continue to save, and give yourself some budget to continue to improve your living space.** One of my favorite things about living in our duplex is being able to dream. When we face a problem, we use it as an opportunity to think about what we want in a future home. We sit in our quaint but cozy little living room, and are thankful for the season we are in now, but excited for what the future holds for us and our growing family.

**CONCLUSION**

**There’s nothing wrong with where we begin and where we are.** As you are walking through financial decisions, especially big ones like purchasing a home, weigh the cost versus where you are now. Are you ready to absorb the taxes, mortgage, and interest rates - not to mention the utilities that come with a larger place, and the cost of furnishing a larger home (if there will be more space than what you have)? If not, that’s OK! **Better to count the cost now and get started on a solid savings plan than to jump headfirst into something and realize later how deep that jump really is.** You can always make the best out of your current situation… all it takes is a little attitude change and a few practical improvements, and you’ll be ready to tackle your savings plan with a new appreciation for where you are now.

We teach church leaders the biblical perspective on finances.

Christian Stewardship Network

Blog

Here are a few things to remember when you struggle with contentment...

Contentment: The Superpower of the Financially Wise

**In a world where scarcity seems to define our daily experience, it’s easy to feel like there’s never enough—whether it’s not enough money, not enough time, or not enough security. But is that really the whole story?**

The belief that “there won’t be enough” is anything but new. From the moment sin entered the world, scarcity became part of the human story—not because God lacked resources, but because fear and distrust entered our hearts.

Jesus described the enemy (the thief) as one who “comes only to steal and kill and destroy” (John 10:10a). That’s precisely what a scarcity mindset does. It steals our peace, kills our joy, and destroys our trust in God’s provision. It convinces us to hoard instead of share, to grasp instead of give, and to stress instead of rest.

This mindset traps us in anxiety. It’s a form of slavery—where we measure life by what we don’t have rather than by who God is. But Jesus didn’t leave us there. Later in that same verse, He continues saying, *“I came that they may have life and have it abundantly.”*

God’s abundance isn’t a prosperity slogan—it’s a promise rooted in His character. Just look at the opening pages of Scripture. Genesis 1 reveals a God who doesn’t create out of stinginess but out of overflowing generosity. He fills the skies with stars, the oceans with creatures, and the land with fruit-bearing trees—not because He had to, but because He delighted to.

We don’t serve a God of just enough—we serve a God of more than enough. As Elisabeth Elliot once put it, *“God has promised to supply all our needs. What we don’t have now, we don’t need now.”*

**Abundance Is Who God Is**

Jesus Himself modeled this kind of trust. Though He had no home of His own and faced hunger, rejection, and the cross, He never lived from fear. Instead, He lived generously—turning water into wine, feeding thousands with a boy’s lunch, and offering forgiveness freely to all who came to Him.

And He invited His followers to live the same way. In Matthew 6:25–34, Jesus says, *“Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them.”*

That passage doesn’t promise us a life free from hardship. But it does promise something better: a life free from worry when we trust our Father in heaven. *“Seek first the kingdom of God and His righteousness,”* Jesus says, *“and all these things will be added to you”* (Matthew 6:33).

**From Striving to Trust**

So, how do we shift from anxiety to peace? From striving to trust? From hoarding to generosity?

- **Renew Your Mind** – Romans 12:2 tells us to be transformed by the renewing of our minds. We ask God to help us see the world, not through the lens of lack, but through the lens of His abundant love.
- **Practice Gratitude** – Gratitude redirects our focus from what we’re missing to what God has already provided.
- **Embrace Stewardship** – We don’t own anything; everything we have is a gift. As Proverbs 3:9 encourages, *“Honor the Lord with your wealth and with the firstfruits of all your produce.”*
- **Give in Faith** – Giving isn’t about losing. It’s about trusting. As 2 Corinthians 9:8 reminds us, *“God is able to make all grace abound to you, so that… you may abound in every good work.”*

Living in God’s abundance doesn’t mean you’ll never face hard times. But it does mean you’ll never face them alone, and you’ll never have to live enslaved to fear.

So when the world says, “There’s not enough,” we can look to the One who owns the cattle on a thousand hills and know—He is more than enough. His abundance isn’t just about material provision. It’s about peace that passes understanding, joy in the midst of sorrow, and confidence that our Father knows what we need, even before we ask.

**Take the Next Step**

If you want to take a deeper journey into learning how to trust God’s abundant nature—especially in the face of financial fear and anxiety—I invite you to pick up a copy of our 21-day devotional: *[Look at the Sparrows](https://www.faithfi.com/shop/sparrows)*. It's written to help you experience the freedom that comes from seeing God as your ultimate provider. You can order an individual copy or place a bulk order for your small group or church at [FaithFi.com/Sparrows](http://faithfi.com/Sparrows).

In a world where scarcity seems to define our daily experience, it’s easy to feel like there’s never enough. But is that really the whole story?

More Than Enough: Rethinking Scarcity Through the Lens of God’s Abundance

***"The simple believe everything, but the prudent give thought to their steps."* - Proverbs 14:15**

In an age where scams are becoming more sophisticated by the day, Scripture reminds us that being cautious isn’t just wise—it’s an act of stewardship. As believers, we’re called not to live in fear, but to walk in wisdom, especially when it comes to managing and protecting our finances.

Scams show up through every possible channel—phone, email, text, social media, and even through impersonation of people we know and trust. But with prayerful awareness and practical action, we can protect what God has entrusted to us.

**1. Pause Before You Respond**

Scammers prey on urgency. If someone pressures you to act immediately—whether it’s a call from a “bank” or a text about a compromised account—take a breath. Slow down. Hang up and call the official number on your card. Check the actual sender’s email. Urgency is a red flag.

**2. Avoid Untraceable Payments**

Never send money via wire transfer or gift cards. No legitimate organization will ask for payment that way. Scammers use these methods precisely because they’re almost impossible to trace. If someone insists, walk away.

**3. Shop with a Credit Card**

When shopping online, use a credit card instead of a debit card. Credit cards offer better fraud protection and limit your liability if something goes wrong.

**4. Enable Two-Factor Authentication**

Think of two-factor authentication as a second lock on your digital front door. Even if a scammer has your password, they can’t access your account without a one-time code sent to your phone or email. Enable this on all financial accounts.

**5. Use Strong, Unique Passwords**

Don’t reuse passwords. Instead, use a password manager like [Bitwarden](https://bitwarden.com/) or [NordPass](https://nordpass.com/plans/) to generate and store secure, unique passwords for each account. These tools offer free versions that are easy to use and an excellent first defense against hacking.

**6. Monitor Your Accounts**

Most banks offer alerts for unusual activity, large transactions, or logins. Take advantage of these tools—they’re like financial alarm systems that help you catch fraud early before damage is done.

**7. Freeze Your Credit**

One of the most effective defenses against identity theft is a credit freeze. It’s free with all three major credit bureaus and can be lifted temporarily when needed. Think of it as placing a padlock on your credit file.

**8. Avoid Public Wi-Fi for Financial Tasks**

Never check your financial accounts on public Wi-Fi—whether at coffee shops, airports, or libraries. Wait until you’re on a secure, private connection. And avoid using public or borrowed devices for sensitive tasks.

**9. Be Mindful on Social Media**

Oversharing can give scammers clues to your passwords or security answers. Keep your profiles private and think twice before posting birthdays, family names, recent purchases, or vacation details.

**10. Shred Sensitive Documents**

Old-school identity theft still happens. Shred bank statements, tax forms, and anything with personal information before tossing them. Don’t give a scammer a reason to go digging through your trash.

**11. Don’t Click Suspicious Links**

Hackers can hijack email or social media accounts and send phishing messages that seem legitimate. If something feels off—even from someone you know—reach out to verify before clicking anything.

**12. Talk About It With Loved Ones**

Scammers often target the most vulnerable individuals, particularly older adults and teenagers. Make this a family conversation. Share tips, updates, and warnings. Helping others stay informed is one more way to practice faithful stewardship.

**13. Verify Identity Protection Offers**

If you receive a letter or email offering free identity protection after a data breach, don’t click the links. Instead, go directly to the company’s official website or call their customer service number to confirm the offer.

**Financial Faithfulness Includes Digital Wisdom**

We live in a digital world, and today, part of being a faithful steward includes guarding your online presence. That doesn’t mean living in fear—it means taking proactive, prayerful steps to protect what God has entrusted to you.

When we walk in wisdom, we honor the Lord. And when we protect our finances with care and intentionality, we reflect the character of our Provider.

One way to grow in financial faithfulness is by using the [FaithFi app](https://www.faithfi.com/manage). It’s a secure, easy-to-use tool that helps you track your spending, plan your giving, and manage your finances with biblical wisdom.

[FaithFi](https://www.faithfi.com/) uses 256-bit encryption to connect safely to your financial institutions and never stores your login credentials. With a [FaithFi Pro account](https://app.faithfi.com/signup?redirect=subscription), you’ll also gain access to exclusive studies, articles, and daily encouragement.

**Because stewardship isn’t a solo mission, it’s a daily journey we take together—guided by God’s Word and supported by tools that help us live out our calling.**

In an age where scams are becoming more sophisticated by the day, Scripture reminds us that being cautious isn’t just wise—it’s an act of stewardship.

Protecting Your Finances from Scams in a Digital World

**In C.S. Lewis’s *The Lion, the Witch and the Wardrobe*, Aslan tells Lucy, *“Things never happen the same way twice.”*** 

It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. We can look to *[The Chronicles of Narnia](https://www.cslewis.com/us/books/?collection=narnia&id=745173)* for insights on managing life’s changes.

Most of us are familiar with C.S. Lewis's profound allegory for the life of Christ. Aslan the Lion represents Christ, of course. In the above quote, Aslan comforts little Lucy Pevensie about the changes and challenges she and her siblings are facing.

**The Inevitability of Change**

We face many changes as well, even just through the calendar year. For example, summer is a time when we look ahead to the school year. Even if we no longer have kids in school, we often make plans that mirror an August-to-May school calendar.

Whether you have a child entering kindergarten or a rising senior anticipating graduation, you’re planning a move, or dealing with aging parents, financial decisions are embedded in every life transition. Our friend [Mitch Anthony](https://www.mitchanthony.com/about/) likes to say, *“Money goes into motion when life goes into transition.”* It’s easy to remember, but often hard to manage.

**Five Ways to Meet and Manage Change**

- **Pray for wisdom.**  New seasons require new wisdom. There are two ways to learn in a new season: through pain or wisdom.  We probably all remember lessons learned through the painful consequences of a poor decision in our teenage years.  We discovered that pain is a costly way to learn. So let’s choose wisdom!
- **Seek godly counsel.** For example, if your oldest child is going to enter college this fall, what can you learn from other parents who have college graduates? What do they wish they had done differently? What did they do well that they would repeat? 
- **Determine financial decisions** that will accompany this life transition. Staying with the college student example, you’ve probably planned for paying basic college expenses, but have you discussed what living expenses your child will be responsible for? Will they have a part-time job? Will you provide a monthly stipend (I like to call it that!) for them to manage? Bottom line: What will you provide, and what do you expect them to provide?
- **Decide ahead of time** what you will do when— or if— the child calls home to say they are out of money. Do you have an emergency fund ready for that?
- **Communicate your financial decisions** now before the transition is complete. When it’s a child going to college or some other life transition, be sure that you’ve clearly communicated what they are responsible for. If it’s a move, have you clearly communicated with the realtor? The more we communicate our financial decisions, the more accountability we have to stick with them in the midst of life's transitions.

**Stewardship in Every Season**

I’ve found that all five of these strategies are essential for staying grounded during transitions. Whether it’s welcoming a new child into your home, preparing financially for a child going off to college, or moving to a new location, taking the time now to lay the foundation will save a lot of stress later on.

And when we really stop to think about it, planning ahead isn’t just a practical choice. As followers of Christ, we’re called to be good stewards of everything He’s entrusted to us—our time, our money, our opportunities. 

**Transitions don’t come the same way twice (as Aslan points out!)—but the God who walks with us through each season never changes. So when we prepare now—with prayer, purpose, and faith—we’re not just getting ready for what’s coming. We’re taking an act of trust in our unchanging God.**

This is a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us.

Planning for What’s Next: Faithful Stewardship in Seasons of Change

*“He who has ears, let him hear.”* - Matthew 13:9

**Those were Jesus’ closing words after telling the Parable of the Sower, a story that invites us to listen carefully, not just with our ears, but with our hearts. That story can reveal a lot about the heart behind our finances, especially the warning about *“the deceitfulness of riches.”***

**The Story Behind the Soil**

The Parable appears in Matthew 13, Mark 4, and Luke 8. It begins with a farmer scattering seed, which falls on four types of soil. Jesus later explains that the seed is the Word of God, and the soils represent different heart conditions. Some hearts are hard, others shallow. Some are fertile and ready, but one soil in particular should draw our attention: where the seed fell among thorns.

In Matthew 13:22, Jesus says, *“As for what was sown among thorns, this is the one who hears the word, but the cares of the world and the deceitfulness of riches choke the word, and it proves unfruitful.”* What does He mean?

First, Jesus points to *"the cares of the world"*, the daily anxieties and distractions that can crowd out our trust in God. Then, He adds *“the deceitfulness of riches.”* It’s not wealth itself that’s the issue. It’s the lie wealth tells: that more money will bring more peace, that possessions equal security, and that success means significance.

The Bible consistently warns us about that lie. Proverbs 11:28 says, *“Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf.”* And Paul reminds Timothy in 1 Timothy 6:17, *“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God.”*

**The Illusion of Control**

Wealth deceives us by offering the illusion of control and independence. It tempts us to believe we’re self-sufficient. And when we buy that lie, we slowly stop depending on God. Like thorns in a garden, worldly cares and the lure of wealth take root in our hearts, slowly crowding out our affection for God. The space once reserved for trust and obedience becomes overrun with distraction and self-reliance.

It’s like C.S. Lewis put it: *“Prosperity knits a man to the world. He feels that he is 'finding his place in it,' while really it is finding its place in him.”*

You might be saving diligently, investing wisely, and even giving regularly. But if you’re trusting in your portfolio more than God’s promises or if your finances have become a source of anxiety, then it may be time to do a heart check. What kind of soil are you cultivating?

When unexpected expenses hit, what comes first, prayer or panic? When you think about the future, is your hope grounded in your retirement account or in the One who holds all things together?

Jesus said the seed among thorns becomes *“unfruitful.”* The Word doesn’t lose its power, but when wealth and worry take over our hearts, we stop responding to it. Outwardly, we may look faithful, but inwardly, our love for Him is being choked out. 

**Cultivating Good Soil**

So, how do we respond?

Jesus points to the solution just a few verses later. In Matthew 13:23, He says the good soil is the one who *“hears the word and understands it; he indeed bears fruit and yields.”* But receiving God’s Word deeply isn’t a one-time event—it’s a lifelong process of cultivating the soil of our hearts. It means creating space where God’s truth can take root, thrive, and grow, without being overtaken by competing desires. That’s how fruitfulness begins and continues.

Here are three simple practices to help you cultivate “good soil” in your finances:

**1. Prioritize your giving.** Start with generosity, not as an afterthought, but as an act of worship. Giving reminds us that money is not our master and that we trust God to provide for us.

**2. Check your emotional temperature.** If your peace rises and falls with your financial circumstances, that’s a signal to lean into God’s Word more than your wallet.

**3. Rethink your financial goals.** Ask yourself: *What am I building? And why?* Is your financial plan aligned with Kingdom purposes, or is it just chasing comfort or status?

As Dallas Willard said, *“The main thing God gets out of your life is the person you become.”* That includes how you handle money. Generosity, peace, and contentment are fruits of a life rooted in Christ, not one choked out by wealth.

Remember that the condition of your heart matters more than the condition of your accounts. If you want to be fruitful in your finances and faithful in your walk with God, start by asking: What am I trusting in? Let the answer lead you back to Christ, because only in Him will your life bear lasting fruit.

It’s the lie wealth tells: that more money will bring more peace, that possessions equal security, and that success means significance.

What Kind of Soil Are You Cultivating?

<p>The world constantly tells us, <i>“You just need a little more.”</i> But what if real peace isn’t found in having more, but in learning to need less?</p><p>What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.</p><p>Jeff Manion is the Teaching Pastor at <a href="https://www.adabible.org/">Ada Bible Church</a> in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including <a href="https://www.amazon.com/Satisfied-Discovering-Contentment-World-Consumption/dp/0310328357/ref=sr_1_2?crid=13XES5HUNY0ER&amp;dib=eyJ2IjoiMSJ9.6PVH4Drh9kOnUhLh561XqVqwQUCZWshxDHw8I_EYa57pyA09hKmeLQDGQ6AMwttZXgD2u9fCt2yoYdc8G9lDsTGDoj9p2ofE8DcXxLoL8A2agqTGIWysZOdkzlHwSeeqkU5LOu21qJeWx5sonx2ctE-k72X9lbqS3xrzyps3qVHDaQr-XLrJYXI7kPLhTQ09HchK4-BsUngJT3PZWuT6mXbOzi3FWgmdzHdt1BmRL88.uENmWH40TiaRLYX6HZRTH4tDYBacasEdGPLfvfaNzTw&amp;dib_tag=se&amp;keywords=jeff+manion&amp;qid=1753211879&amp;sprefix=jeff+manion%2Caps%2C126&amp;sr=8-2"><i>Satisfied: Discovering Contentment in a World of Consumption</i></a>.</p><h3>Why Wealth Confuses Us</h3><p>In a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn’t found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we’re born with—it’s something we must learn. And we’re learning it together.</p><p>Let’s be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You’d think contentment would come naturally at that point. But surprisingly, it doesn’t.</p><p>Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. </p><p>This isn’t new—it’s the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: <i>“Remember the Lord your God, for it is He who gives you the ability to produce wealth”</i> (Deut. 8:18). That warning is for us too.</p><h3>The Danger of the “There and Then” Mentality</h3><p>Contentment is rooted in the present, not the future. And yet we often believe we’ll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can’t be fully alive to God and the people around us <i>now</i>, there’s no guarantee we will be later.</p><p>We don’t stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, <i>“I have learned to be content whatever the circumstances”</i> (Phil. 4:11). His circumstances didn’t determine his joy. His peace wasn’t tied to his comfort. And ours doesn’t have to be either.</p><p>Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess.</p><p>A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we’re pursuing minimalism for its own sake, but because we’re reminding ourselves that joy isn’t found in our possessions—it’s found in a life uncluttered by distraction, filled with God’s presence and purpose.</p><h3>Escaping the Comparison Trap</h3><p>Comparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it’s undeniably true. In our digital age, we don’t just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we’re missing out when in fact, we’re richly blessed.</p><p>Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared.</p><p>Generosity is one of the most effective ways to break money’s grip on our hearts. Paul’s charge to Timothy echoes through the centuries: <i>“Command those who are rich… not to put their hope in wealth… but to put their hope in God… to be rich in good deeds, and to be generous and willing to share”</i> (1 Tim. 6:17–18).</p><p>When we give, we reflect the heart of our generous God—first in creation, then in Christ. And as we open our hands, we discover joy not in what we keep, but in what we release for the sake of others and the glory of God.</p><h3>Passing on the Legacy of Contentment</h3><p>We long for our children and grandchildren to experience true satisfaction. But contentment isn’t just taught—it’s caught. When our families see that our greatest joy is not in acquiring new and better things but in reflecting the generosity of Christ, they begin to understand that there’s a story far bigger than material success.</p><p>We want them to see us delight in giving, not just spending. To notice our peace when things don’t go our way. To recognize that the content life isn’t a small life—it’s a deeply rich one, rooted in grace and lived with open hands.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have around $1.5 million in total assets and $500,000 in available funds. Given the current tax environment, I’m considering whether now might be a strategic time to withdraw from my pre-tax retirement accounts and pay the taxes. I’m currently living on Social Security and pension income and haven’t needed to tap into my savings yet.</li><li>I’d like to open an account for my great-grandchildren, who are currently 3 years old and 18 months old. I’ve been looking into a universal life insurance policy, but would appreciate guidance on the best way to save for their future—possibly to help with education expenses.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.amazon.com/Satisfied-Discovering-Contentment-World-Consumption/dp/0310328357/ref=sr_1_1?crid=1073ANLW505Q3&amp;dib=eyJ2IjoiMSJ9.oh5krW1NVxyUrvRHMQgHl-BKkP8k9DxRKJBNHXaRcAvpyA09hKmeLQDGQ6AMwttZXgD2u9fCt2yoYdc8G9lDsTGDoj9p2ofE8DcXxLoL8A2agqTGIWysZOdkzlHwSeeqkU5LOu21qJeWx5sonx2ctE-k72X9lbqS3xrzyps3qVHDaQr-XLrJYXI7kPLhTQ09HchK4-BsUngJT3PZWuT6mXbOzi3FWgmdzHdt1BmRL88.nwL7kEah-0379fWPV_XBDOeyl-PU0Z8vurIYOi9-RE0&amp;dib_tag=se&amp;keywords=jeff+manion&amp;qid=1753213117&amp;sprefix=jeff+manion%2Caps%2C120&amp;sr=8-1">Satisfied: Discovering Contentment in a World of Consumption by Jeff Manion</a></li><li><a href="http://savingforcollege.com">SavingForCollege.com</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</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

The world constantly tells us, “You just need a little more.” But what if real peace isn’t found in having more, but in learning to need less?

What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.

Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption.

The Secret to a Satisfied Life with Jeff Manion

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.

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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.

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

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Eventide

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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

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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

Praxis offers investment products designed to meet the practical needs of everyday investors while supporting positive change through impact strategies that go beyond screening. Guided by faith values, we strive to make a positive impact.

INVEST IN PRAXIS

Praxis Investments

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Eternal Perspective Ministries

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.

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Eventide Center for Faith & Investing

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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!

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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>Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it’s not as intuitive as you'd hoped.</p><p>For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we’ve misunderstood how mentoring fits into God’s design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.</p><p>Jeff Haanen is an accomplished entrepreneur and the founder of the <a href="https://www.denverinstitute.org/">Denver Institute for Faith & Work</a>. He is the author of <a href="https://www.amazon.com/Uncommon-Guide-Retirement-Finding-Purpose/dp/0802418929/ref=sr_1_1?crid=59RCI2HOWNAQ&amp;dib=eyJ2IjoiMSJ9.DDheOvok-KN1OK0sITt5H5myhJsDaKuFchb4a5gxacI.qhfNWE_FcLH7RtcJyDwVwYG94mAWfFQQCfOg84JYw6M&amp;dib_tag=se&amp;keywords=jeff+haanen&amp;qid=1745526688&amp;sprefix=jeff+haanen%2Caps%2C146&amp;sr=8-1"><i>An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life</i></a><i> and </i><a href="https://www.amazon.com/Working-Inside-Out-Brief-Transforms/dp/1514003317/ref=sr_1_2?crid=59RCI2HOWNAQ&amp;dib=eyJ2IjoiMSJ9.DDheOvok-KN1OK0sITt5H5myhJsDaKuFchb4a5gxacI.qhfNWE_FcLH7RtcJyDwVwYG94mAWfFQQCfOg84JYw6M&amp;dib_tag=se&amp;keywords=jeff+haanen&amp;qid=1745526698&amp;sprefix=jeff+haanen%2Caps%2C146&amp;sr=8-2"><i>Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World</i></a>.</p><h3>Rethinking Mentoring</h3><p>Retirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn’t just about what we get—but what we give?</p><p>Retirement isn’t the end of our calling. It’s a fresh opportunity to steward our lives for God’s Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as <i>intergenerational friendship</i>.</p><p>Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we’ve found that mentoring is most fruitful when it grows from an organic, mutual friendship.</p><p>Rather than casting ourselves as sages who dispense advice, we’re invited to be fellow travelers—learning, laughing, sharing, and growing <i>together</i>. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time.</p><p>This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, <i>“I no longer call you servants… I have called you friends”</i> (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust.</p><p>In God’s upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ.</p><h3>What Makes Mentoring Thrive?</h3><p>Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish:</p><ul><li><strong>Delight in the Next Generation.</strong> Mentoring starts not with duty but with joy. When we find genuine delight in those younger than us—when we enjoy being with them, listening, and learning—we build the foundation for real connection.<br /> </li><li><strong>Affirm Before Advising.</strong> Many younger adults are uncertain about their calling or whether they have what it takes. A word of affirmation can be far more powerful than advice. Encouragement builds trust and opens the door to growth.<br /> </li><li><strong>Lead with Vulnerability.</strong> We don’t need to have it all together. It’s our stories of failure and God’s faithfulness that often minister most deeply. Humility makes room for healing and hope.<br /> </li><li><strong>Commit for the Long Haul.</strong> There’s no shortcut to transformation. Mentoring thrives when we’re patient and willing to walk alongside someone over time—through victories, setbacks, and seasons of change.<br /> </li><li><strong>Ask Thoughtful Questions.</strong> Jesus often asked His disciples powerful, heart-revealing questions. We can do the same. When we help others discover truth for themselves, they take greater ownership of their journey.</li></ul><p>The local church is a natural place to start. It’s one of the few places left in our culture where generations regularly gather. Maybe it’s time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger.</p><p>Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship.</p><p>Most importantly, we must pray. We’ve learned to listen—not only to our mentee but to the Holy Spirit. We ask: <i>Lord, what do You want us to say in this moment? How can we best serve this person?</i> Prayer is the lifeblood of all fruitful mentoring relationships.</p><h3>What If Retirement Looked Like This?</h3><p>Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence?</p><p>We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our richest reward.</p><p>So here’s the invitation: Start showing up. Start listening. Start sharing your story. And watch what God does through friendship across generations.</p><h3>Help Us Equip Others to Live with Purpose</h3><p>Right now, more people than ever are seeking biblical wisdom to navigate their finances and their calling. When you become a <a href="https://www.faithfi.com/give">FaithFi Partner</a>, you help meet that need.</p><p>Partners receive:</p><ul><li>Early access to <a href="https://www.faithfi.com/shop">new devotionals and studies</a></li><li>A subscription to our <a href="https://www.faithfi.com/give">Faithful Steward magazine</a></li><li>Pro access to the <a href="https://www.faithfi.com/manage">FaithFi app</a></li></ul><p>Join the mission today with your gift of $35/month or $400/year at <a href="http://faithfi.com/Give">FaithFi.com/Give</a>. </p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm trying to compare mortgage rates from several lenders, but I’m concerned that multiple hard credit inquiries will affect my credit score. What’s the best way to shop around without damaging my credit?</li><li>I’m trying to decide between setting up a Special Needs Trust or an ABLE account for my nephew. Can you explain the differences and help me understand which option might be better for his long-term financial support?</li><li>After my husband left, I found myself in a challenging financial situation. Most of my savings are gone, and because of a traumatic brain injury, my ability to work is limited. I feel overwhelmed and don’t know where to begin. How can I start to rebuild my financial life?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.amazon.com/Uncommon-Guide-Retirement-Finding-Purpose/dp/0802418929/ref=sr_1_1?crid=2TI3BIEPTLNI9&amp;dib=eyJ2IjoiMSJ9.DDheOvok-KN1OK0sITt5H1GyW61oJ2jM0kuv9Y7lUvPGjHj071QN20LucGBJIEps.ghxuQKUjtFY5xj39dCWKjZmgGvYxitqL6yne4lSgksQ&amp;dib_tag=se&amp;keywords=Jeff+haanen&amp;qid=1753211170&amp;sprefix=jeff+haanen%2Caps%2C123&amp;sr=8-1">An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen</a></li><li><a href="http://bankrate.com">Bankrate</a> | <a href="https://www.lendingtree.com/">Lending Tree</a></li><li><a href="https://movement.com/faith?_branch_match_id=1461440077146990110&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</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>

Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it’s not as intuitive as you'd hoped.

For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we’ve misunderstood how mentoring fits into God’s design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.

Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.

How Mentoring Can Become Your Greatest Investment in Retirement with Jeff Haanen

<p>“Train up a child in the way he should go; even when he is old he will not depart from it.” - <i>Proverbs 22:6</i></p><p>As parents, we often wonder when to begin teaching our kids about money. The simple answer? It’s never too early. In fact, <a href="https://www.pbs.org/newshour/economy/making-sense/money-habits-are-set-by-age-7-teach-your-kids-the-value-of-a-dollar-now">a study by Purdue University</a> found that most of our lifelong money habits are formed by the age of seven. That’s a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.</p><p>Here’s how to begin—step by step.</p><h3>Ages 3–5: Needs, Wants, and Worship</h3><p>Even toddlers can begin to understand the basics of money. Start by teaching the difference between <i>needs</i> and <i>wants</i>. A home, food, and clothing? Those are needs. But that cereal with a cartoon character? That’s a want—and a perfect conversation starter.</p><p>As you shop, ask your child to name which items fall into which category. Then take the opportunity to remind them: God provides all our needs and blesses us with more than we deserve.</p><p>Begin using the three-jar method—one for spending, one for saving, and one for giving. When your child receives birthday money or a small allowance, help them divide it equally. Let them drop their “giving” portion into the offering plate each week. It’s a simple but powerful way to connect generosity with worship.</p><h3>Ages 6–10: Responsibility and Short-Term Goals</h3><p>At this stage, kids are ready to take on more responsibility. Assign small chores tied to a modest allowance. If they complete the job, they earn the money. If not, the allowance waits. It’s a simple lesson in accountability and work ethic.</p><p>If they want something beyond their current funds, help them create a short-term savings plan. Use sticker charts or visual trackers to make progress fun and tangible.</p><p>Give your child a few dollars and let them plan how to spend it on snacks for the week. This is a great way to teach a foundational principle from financial teacher Ron Blue:</p><p><i>“You always have more choices than money.”</i></p><p>Encourage your child to give regularly to causes they care about. Ask why they want to give—and help them understand how giving reflects God’s heart.</p><h3>Ages 11–15: Bigger Goals, Delayed Gratification</h3><p>Now your child may be babysitting, mowing lawns, or doing small jobs for neighbors. It’s the perfect time to talk about larger savings goals—maybe a new bike or a camp trip.</p><p>Consider opening a custodial savings account or using a kid-friendly money app. Walk through monthly statements together and celebrate milestones. Let them make decisions (and occasional mistakes) while you’re close by to guide them.</p><p>If they want to buy something online, encourage them to wait a few days, compare options, and pray before making a purchase. The lesson is clear: patience often leads to better decisions.</p><h3>Ages 16–18: Real-World Practice and Investing Basics</h3><p>Teenagers who are working part-time jobs are ready for more advanced money management.</p><p>Help them set up a formal budget with real income and categories for saving, spending, and giving. This is also a good time to introduce matching incentives: If they save $500, you match it, just like an employer’s 401(k) might.</p><p>Let them research a company and buy a fractional share through a custodial brokerage account. If they have earned income, consider opening a Roth IRA to model long-term investing.</p><p>Remind them: Markets go up and down, but faithful stewardship builds wealth over time.</p><h3>The Ultimate Goal: A Faithful Steward</h3><p><strong>Reinforce this truth: </strong>Their worth isn’t tied to their net worth. All we have is a gift from God to be managed for His glory, not our own.</p><p>No matter your child’s age, the goal remains the same: to raise someone who knows how to earn, manage, give, and grow what God has entrusted to them. You don’t have to be a financial expert—you just have to be present and intentional.</p><p>Keep the conversation going. Keep pointing them to biblical truth. And remember—this isn’t just a financial lesson. It’s a spiritual one.</p><p>For more resources on biblical money management and to start budgeting as a family, check out the <a href="https://www.faithfi.com/manage">FaithFi app</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 58, single, and plan to keep working until I’m 70. I live frugally and want to ensure that my assets are managed wisely and passed on to my four children, especially my youngest. I'm considering setting up a trust, but the $2,000 cost seems steep. Is that the best option for someone like me who wants to ensure everything is protected and appropriately distributed?</li><li>I’m looking to understand how reverse mortgages work. What kind of interest rates do they typically charge? Do they accrue interest like a traditional mortgage over time? Are there any upfront fees to get started?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://movement.com/faith?_branch_match_id=1461440077146990110&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</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>

“Train up a child in the way he should go; even when he is old he will not depart from it.” - Proverbs 22:6

As parents, we often wonder when to begin teaching our kids about money. The simple answer? It’s never too early. In fact, a study by Purdue University found that most of our lifelong money habits are formed by the age of seven. That’s a sobering realization—but also a hopeful one. Because with intentionality and biblical wisdom, we can help our children become faithful stewards from an early age.

Here’s how to begin—step by step.

When Should You Start Teaching Kids About Money?

<p><i>“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” -</i> Romans 6:6</p><p>Being born again in Christ changes a person. We’re given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.</p><h3>Bobby’s Testimony</h3><p>It's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.</p><p>Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.</p><p>In his own words, Bobby explained, <i>“Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That’s when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”</i></p><p>Hearing about Bobby’s life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God’s redemptive power.</p><h3>Steps Toward Financial Freedom</h3><p>A few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from <a href="https://www.experian.com/">Experian</a>, <a href="https://www.equifax.com/">Equifax</a>, and <a href="https://www.transunion.com/?atvy=%7B%22202422%22%3A%22Experience+A%22%7D">TransUnion</a> to identify all his debts. Then, we suggested he contact <a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1354437665083707365&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBwQkAIAgAwI0SolfbiAlJYqK2f3e7ynMChPVxGro3FTvAQDskS9AoeEnRfZasN%2FIDr264rTIAAAA%3D">Christian Credit Counselors</a> to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.</p><p>We also offered to connect Bobby with one of our <a href="https://www.faithfi.com/findcertcfc?topics=Budgeting">Certified Christian Financial Counselors (CertCFC)</a> at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.</p><h3>Biblical Principles Guiding Bobby's Transformation</h3><p>Bobby’s journey highlights several biblical principles that are now guiding his life:</p><ul><li><strong>The Body as a Temple:</strong> Bobby’s decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices.<br /> </li><li><strong>Humility:</strong> Bobby’s willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: <i>“The reward for humility and fear of the Lord is riches and honor and life.”</i><br /> </li><li><strong>Honesty:</strong> Bobby’s commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ.<br /> </li><li><strong>Repaying Debts:</strong> The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, <i>“The wicked borrows but does not pay back, but the righteous is generous and gives.”</i> Bobby’s desire to pay off his debt is a step toward fulfilling this principle.<br /> </li><li><strong>Stewardship: </strong>The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: <i>“It is required of stewards that they be found faithful.”</i></li></ul><p>We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you’re struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We’re here to help you take the next step toward financial freedom and faithful stewardship.</p><p>Bobby’s story is a powerful reminder that with God’s help, it’s never too late to turn your life around and get back on track. If you’re ready to take that step, we’re here to walk alongside you.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don’t fully understand how they work. Should I stay in them or look at other options? I’d appreciate some guidance on how to manage my limited savings wisely.</li><li>I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?</li><li>My husband and I are retired and considering a reverse mortgage. What’s the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?</li><li>I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?</li><li>Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://movement.com/faith?_branch_match_id=1461440077146990110&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="https://www.amazon.com/Home-Equity-Reverse-Mortgages-Cinderella/dp/0692044965/ref=sr_1_1?crid=1HYTFLGGSNLYU&amp;dib=eyJ2IjoiMSJ9.ZZpZk1E0knU-vIe6XT0LR7ihavGbc80ZX-mXbW1TPdcmPgaQSGA4EZLMAmqs_xzQvzSMqI5vor_0csgCgm4rmzzouQaHVK4KRDMVPNA_gNm3MpNuYgiAmcRR98Vo1FCU4x7zFGr2s1KOvt844jM8Ls4Kin9hzJDV61d_gev4CK3SJx4R1bP55ndv2zSOyGRe--qdBC0UpZqRfkYYhfSy4XuYUS8eRbL4gx4AlxJZLwk.NWRE-QSNVOban10aFkCwynYL8sZURWQ4lb8wYLHZapg&amp;dib_tag=se&amp;keywords=harlan+accola&amp;qid=1752776957&amp;sprefix=harlan+accola%2Caps%2C110&amp;sr=8-1">Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. Accola</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1461440077146990110&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</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>

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6

Being born again in Christ changes a person. We’re given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.

A Journey To Faithful Stewardship

__Today, many investors view investing as simply trying to profit off “the market.”__

Have we lost the perspective that investing connects us directly to businesses?

Our last video of our Timeless Truths for Investing series explains how recapturing this perspective of investing in businesses may change your approach to investing.

#### Read the Transcript:

__Jason Myhre:__ “Invest in businesses, not markets. I have a conviction that I would say most of us have really lost sight of what investing is all about and the true purpose of investing. We’ve lost this perspective that investing has a connection to business and that we’re actually supplying capital that supports business. Today, I think that many investors really picture investing as trying to profit from the market itself. It’s a very abstract, magical view of the stock market where you kind of put your money in to this financial machine. You try to ride this wave over time. You hope that it spits out a greater dollar amount in the future. Most of us are not really thinking about investing in businesses, supporting businesses, or profiting from a productive and intrinsic activity from businesses.

Why is this a problem? Well, it’s a problem because number one, if your relationship is with the market, that means your confidence is gonna ebb and flow based on the performance of the stock market. So when the stock market’s doing well, you’re gonna feel great. When the stock market’s doing poorly, you’re going to feel down or concerned. But there’s a more profound reason that this is a problem. I want to share with you, this is a quote from William Kavanaugh, who is a professor from DePaul University, who remarks, “retirement accounts tend to just go into mutual funds whereas an investor, not only do I not have any idea how the companies that I have stock in are being operated, I don’t even know what companies I have stock in. And these investments tend to be run by an elite of managers whose one preoccupation is with increasing the bottom-line profit.” 1

Have you ever thought about investing and just wondered, where does the money come from? What am I involved in here? What are the businesses that I own? What are the products and services that I’m investing in and profiting from that are driving these returns? And how well aligned or not aligned are these businesses with my beliefs, convictions, and values? Investing is company ownership. At its most essential, investing involves a supply of capital to support business in exchange for ownership in that business, which is what gives you the rights to receive any of the profits and growth that might come in the future. When you see investing this way, you realize, oh, I’m not profiting from a chart. I’m profiting from specific businesses that are doing real things, having a real impact in the lives of others.”

__References__
1. Mars Hill Audio Journal, Volume 95


*This communication is provided for informational purposes only and expresses views of Eventide Asset Management, LLC (“Eventide”), an investment adviser. There is no guarantee that any investment strategy will achieve its objectives, generate profits, or avoid losses. Eventide’s values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. Any reference to Eventide’s Business 360® approach is provided for illustrative purposes only and indicates a general framework of guiding principles that inform Eventide’s overall research process. Investing involves risk including the possible loss of principal. Past performance does not guarantee future results.*

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