__The Bible contains more than 2,300 verses about money and possessions. That’s a staggering number—so there’s got to be a reason.__

But while the number is accurate, it can also be a bit misleading. Money itself isn’t what’s most important. What truly matters is what money reveals about our hearts.

Let’s unpack why Scripture talks about money so much—and why your financial life is ultimately a spiritual matter.

__Jesus Talked About Money—But Not for the Reasons You Think__

When Jesus spoke about money, He was never just talking about money. He was talking about something deeper—something eternal. His goal wasn’t to teach financial literacy. It was to expose the true condition of our hearts.

God’s Word uses money as a spiritual teaching tool. Why? Because no matter who we are or where we live, money is something we all have to deal with. Whether it’s groceries or giving, saving or spending, money touches every part of our lives.

That’s why financial struggles can feel so personal. Money can stir up stress, create confusion, and ignite conflict—especially in our relationships. But Scripture reminds us that the problem is rarely the money itself. It’s what the money reveals.

In Matthew 6:21, Jesus says:

*“For where your treasure is, there your heart will be also.”*

That’s the heart of the matter—literally. It’s not about how much you make or spend. It’s about what you value.

When we look beneath the numbers, we find a spiritual reality: Money is a mirror. It reflects what we truly trust, desire, and love.

__Money and Marriages: It's About Values, Not Amounts__

Consider how often money shows up in marriage conflicts. It’s frequently cited as one of the leading causes of divorce. But more often than not, the issue isn’t really about the dollars. It’s about values.

One spouse might want to save for the future, while the other wants to enjoy the present. One sees money as a way to bless others; the other sees it as a source of security. Neither view is inherently wrong—they’re just different. But when those differences clash, tension arises.

And in that tension, it’s easy to argue about expenses without ever addressing the deeper, spiritual divide.

__Every Spending Decision Is a Spiritual Decision__

It might seem strange to call a purchase—like a cup of coffee or a pair of shoes—a spiritual decision. But in a way, it is because every financial choice reflects our priorities.

In *Matthew 6:24*, Jesus says:

*“No one can serve two masters… You cannot serve God and money.”*

Jesus is inviting us to examine where our loyalty lies. That doesn’t mean we can’t enjoy what God provides. In fact, Ecclesiastes 3:12–13 affirms that we should:

*“I perceived that there is nothing better for them than to be joyful and to do good… everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”*

God delights in our joy. He’s not against lattes or leisure—He just wants those things to sit beneath, not above, our love for Him.

__What Do You Do When Values Collide?__

Whether you’re navigating money as an individual or a couple, the first step to peace is recognizing that financial disagreements are opportunities for spiritual growth.

And that growth starts with prayer. As our friend Howard Dayton says:

*“It’s hard to quarrel when you’re praying together.”*

Prayer invites God into the conversation. And as *James 1:5* assures us:

*“If any of you lacks wisdom, let him ask God… and it will be given to him.”*

Through prayer, we find clarity. Through humility, we find unity.

For couples, the next step is open, respectful communication. Talk about your values. Share your hopes. One of you might prioritize saving for retirement, while the other longs to create meaningful family memories through travel. Both desires can honor God—you just need to find common ground.

When needed, a financial advisor—especially a [Certified Kingdom Advisor (CKA)](https://www.faithfi.com/find)—can help you identify shared goals and build a plan that reflects both wisdom and faith.

__A Path Toward Unity and Growth__

Financial disagreements don’t have to create division. In fact, when addressed with humility and a desire to honor God, they can build trust and draw you closer—not only to each other but to Christ.

So, if you’re wrestling with a financial decision today—or feeling relational strain because of money—don’t walk through it alone.

Invite God into the process. Talk it through with someone you trust. And above all, remember this: __It’s not about the money. God wants your heart.__

__And when your heart is aligned with His, your financial life will begin to reflect the peace, purpose, and priorities of His Kingdom.__

FaithFi

Articles

The Bible contains more than 2,300 verses about money and possessions. That’s staggering, so there’s got to be a reason.

It’s Not About the Money

The foundation of my work as an impact investing professional is my faith. It is the “why” that inspired and guided me on this path. I have that in common with tens of thousands of others around the globe who are working, both as individuals and organizations, for positive change. Here are some ways that “why” makes a profound difference.

__“Why” drives the work__

Consider Community Development Financial Institutions (CDFIs). The work they do isn’t particularly different from other banking or financial services providers, but the reason *why* these nonprofits provide this capital and how they distribute that capital in underserved communities is.
They focus on providing fair financing to borrowers whom mainstream finance wouldn’t traditionally reach. In this way, they use the tools of finance – such as banking services and providing capital and small loans to business owners – to help address poverty in underserved and underrepresented communities.

__“Why” drives investment selection__

For many faith-based investors, the goal isn't merely to generate financial returns, but instead, to strive to make a real-world impact, motivated by a sense of responsibility to love one’s neighbor as yourself. Their faith instills a duty to use their resources – be it capital, influence, or expertise – to uplift those who are marginalized, underserved, and economically disenfranchised.

__“Why” puts the focus on community__

To love our neighbors as ourselves, we need to know our neighbors. Community Development Investing (CDI) helps address needs that may otherwise go unmet – to recognize and respond to those often left on the margins. Microfinance, neighborhood redevelopment, low-income housing, and disaster recovery investing can demonstrate that we see and can respond to the needs of our neighbors.

As part of Praxis Mutual Fund’s commitment to our neighbors locally and globally, we invest approximately 1% of our assets under management to support deep-impact, community initiatives via [Calvert Impact](https://calvertimpact.org/). We seek to align our work – and our investors’ dollars – with Biblical teachings to uplift the downtrodden and support the marginalized.

__“Why” enriches our personal journeys__

Witnessing the transformative power of faith and investing is a profound experience. In 2022, during a visit to my birth country, Kenya, [I saw firsthand](https://www.praxismutualfunds.com/news-and-stories/community-development-investing/2022/kenyan-impact-day-one?utm_campaign=faithfi-all-cdi&utm_source=text&utm_medium=editorial-link&utm_content=kenya-story) the far-reaching effects of community development work. Visiting various impact sites, related to Praxis CDI investments, I saw God's presence in how these CDFIs were able to help communities flourish economically. The objective of these organizations is clear: to create lasting change that allows locals in these communities to be empowered and to rise out of poverty.

Working in the field of faith-driven impact investing is as rewarding as it is challenging. At the core of our mission is a sentiment that echoes Matthew 22:39, where Jesus teaches us to "love your neighbor as yourself." By marrying faith with action, we can contribute to a future where prosperity and opportunity are not limited to a select few but are accessible to all.

You can also __[listen](https://www.faithfi.com/search?q=Impact%20Rooted%20In%20Faith&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to related podcast on this topic.

You should consider the fund’s investment objectives, risks, sales charges and expenses carefully before you invest. The fund’s prospectus and summary prospectus contain this and other information. Please read them carefully before you invest. Praxis Mutual Funds are advised by Everence Capital Management and distributed through Foreside Financial Services, LLC, member FINRA. Investment products offered are not FDIC insured, may lose value, and have no bank guarantee.

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.

Praxis Investments

Tens of thousands of people around the globe are working, both as individuals and organizations, for positive change.

Impact Investing and Faith: The Journey Starts with “Why”

__Disappointment is inevitable, but discouragement is a choice. When things don’t go your way, do you get discouraged? Or even angry? There’s a better way to handle *financial* disappointments.__

People love to look into the future.  We all have hopes, dreams and expectations about what we want our life to be. So, we make plans. Plans to save, serve, build a family, work, travel, learn, grow— you name it. *Planning* is part of what it takes to make our dreams come true.

There’s nothing wrong with planning. Planning is an important part of being a good steward of whatever God has entrusted to you, but here's the problem.  Our plans don’t always succeed.  Dreams fail.  Expectations go unmet. Then, disappointment happens, maybe more than we want to admit.

Perhaps you invested your savings, but now inflation is killing your returns. Or you worked hard to start a business, but it still isn’t making a profit. You planned for your marriage to last, only to experience an expensive divorce.

Maybe you’ve been working towards that promotion, but someone else got the job. Or, you planned to have a big nest egg when you retire, but health issues have reduced your savings. Then there’s always the disappointment of finding your adult child living in your basement when you thought they were going to be financially independent.

__Maybe one of those situations sounds familiar.  The question is, how do you handle the disappointments and unmet expectations you face?__

Financial disappointments can cause some people to shake their fist at God and lose faith.  Others might become discouraged, depressed or apathetic. Sometimes, disappointment leads to broken relationships.  Stress and anxiety are common responses when our plans fail.  In fact, the more important we think something is, the more upset we are when our expectations aren’t met.

It’s not sinful to *feel* disappointed, but your *reaction* to disappointments can become sin if you’re not careful.  According to God’s word, discouragement, anger, unforgiveness, bitterness, and fear are all sinful attitudes. Ephesians 4:31 warns about them: *“Let all bitterness and wrath and anger and clamor and slander be put away from you.”*

__You can respond to disappointment with discouragement, anger, fear, or apathy, or you can take a more *positive approach,* realizing that unmet expectations are often God’s way of leading you in a new direction. Just look at how many disappointed people there are in the Bible, and see how God worked in *their* lives.__

Examples include Sarah and Hannah, who couldn’t have children.  Or Joseph, whose brothers sold him into slavery. Or imagine how Jesus must have felt when Judas betrayed him, but the Lord had amazing plans for these unmet expectations:  Sarah and Hannah ultimately had children who changed the world.  Joseph saved his people. Jesus saved us all.

Keep in mind, your response to the disappointments in your own life can be a powerful *witness* to those around you.  Maybe this isn’t the way you thought your life would turn out, but God can use your unmet expectations for your good and his glory.

__So what is a *godly* approach to financial disappointments?__

When life doesn’t go your way, it’s common to look for someone to blame.  Instead, ask God to help you *forgive* the people who’ve hurt you.  Begin to pray for the strength to live through your difficult circumstances.  In addition, recognize that it may be time to let go of *your* expectations, and ask God to show you *his* plans. People and circumstances are unreliable, but Hebrews 13:8 reminds us that “*Jesus is the same yesterday and today and forever*.” The Lord is *always* loving, faithful, and just.

__God never fails. You can trust Him, even in the midst of your deepest disappointments, when big expectations come to nothing and people let you down.  God will make a way for you every time.  It might not be what you expect, but it will be good. Hold on to what’s true, from Romans 8:28: *“We know that in all things God works for the good of those who love him, who have been called according to his purpose.”*__

You can __[listen](https://www.faithfi.com/search?q=Facing%20Financial%20Disappointment&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcast on this topic.

Disappointment is inevitable, but discouragement is a choice. There’s a better way to handle financial disappointments.

Facing Financial Disappointment

__Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. The real question is: Will you be ready for it financially?__

Great family memories don’t have to come with a high price tag. With a bit of intentionality and creativity, you can plan a vacation that’s both memorable and budget-friendly. Here are five tips to help you do just that.

__1. Start Planning Early__

The earlier you start, the more options you’ll have—especially if you're looking to save money. Booking flights and accommodations in advance often leads to better rates and more availability.

Pro tip: Use tools like [Google Flights](https://www.google.com/travel/flights) to explore affordable destinations. Just input your travel dates and click “Explore” or “Fly Anywhere” to find the lowest airfare across the country.

Also, take time to decide what matters most for your trip. Is staying near the beach a must? Would you rather cook your own meals than eat out? Set a clear trip budget and prioritize what matters most to your family.

__2. Find Free (and Fun!) Activities__

Every destination has hidden gems that don’t cost a dime. Search your destination online, along with phrases like “best free things to do” or “free local attractions.”

Many places offer scenic hikes, self-guided tours, free museums or exhibits, and even local festivals or concerts. These can become some of the most memorable parts of your trip—and they won’t touch your wallet.

__3. Involve the Whole Family__

Let your kids in on the planning process. Give each child a mini budget and let them plan a few hours of the trip based on that amount. This teaches practical financial skills and ensures everyone feels involved and valued.

Plus, you may be surprised by what simple experiences are the most fun!

__4. Be Smart About Meals__

Dining out adds up quickly. One way to save big is by staying at a hotel that includes complimentary breakfast. Then pack your own snacks or lunches to cut down on eating out.

Even if you're flying, you can still hit a local grocery store upon arrival. A loaf of bread, peanut butter and jelly, and some fruit and chips can feed the family for a fraction of a restaurant meal.

__5. Set a Daily Spending Limit__

Decide ahead of time how much you want to spend each day—and turn it into a family challenge! See how far you can stretch that amount without going over.

To stay on track, consider using daily cash envelopes, a prepaid card, or a budgeting app like FaithFi. The [FaithFi app](https://www.faithfi.com/manage) helps you track spending in real time and stay aligned with your goals—turning budgeting into a shared family value.

__Family vacations don’t have to mean financial stress. With these five simple strategies, you can enjoy a summer getaway that’s fun, meaningful, and financially wise. Start planning now, and get ready to make some unforgettable memories—all while staying on budget.__

Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. Are you ready?

5 Smart Tips for a Budget-Friendly Family Vacation

__*“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich”* (2 Corinthians 8:9).__

This week may feel somber, but it’s actually meant to be filled with hope. This Friday is Good Friday—a day Christians around the world set aside to remember the crucifixion of Jesus Christ. What happened on that cross over 2,000 years ago remains the greatest act of grace in human history.

Let’s reflect on what makes this day so good.

__Why We Call It “Good” Friday__

At first glance, the name “Good Friday” may seem odd. After all, we’re remembering the brutal death of Jesus on a Roman cross. But it’s good—not because the events were painless or cheerful—but because of what Christ accomplished through His suffering.

There’s sorrow in recalling the agony He endured. There’s weight in recognizing that it was our sin that led Him there. But there's also deep gratitude—for the love of the Father who sent His Son, and for the obedience of the Son who gave Himself willingly. Good Friday is good because it was the turning point of human history.

This is the day we remember that Jesus bore the full weight of our sins. He took our place, suffered our punishment, and reconciled us to God. The Cross is not just a tragic event—it’s a triumph of love.

But even as we mourn, we look ahead with anticipation. We know the end of the story: Resurrection Sunday is coming. Jesus’ death wasn’t defeat—it was the gateway to victory. His sacrifice purchased eternal life for all who believe.

__Financial Terms, Eternal Truths__

Here at [FaithFi](https://www.faithfi.com/show), we talk a lot about money—stewardship, budgeting, and giving. But did you know that Scripture often uses financial language to describe spiritual truths?

Words like debt, ransom, redemption, and inheritance fill the pages of the Bible. Why? Because those terms made the gospel accessible to everyday people—then and now.

Consider:

- __Romans 6:23__ – *“For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”*
- __Mark 10:45__ – *“For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.”*
- __1 Corinthians 6:20__ – *“You were bought with a price. So glorify God in your body.”*

These verses remind us that sin incurred a debt we couldn’t pay. But Jesus paid it—fully.

__“It Is Finished”: What Tetelestai Means__

One of Jesus’s final words from the cross was, *“It is finished.”* In the original Koine Greek, He said [tetelestai (τετέλεσται)](https://bible.org/question/what-does-greek-word-tetelestai-mean). That one word carried profound meaning.

In the ancient world:

- Servants used it to declare a task complete.
- Artists spoke it over a finished masterpiece.
- Priests used it after approving a spotless sacrifice.
- Merchants wrote it on receipts to indicate a debt had been paid in full.

So when Jesus cried out, *“It is finished,”* He was announcing the completion of His mission. The debt of sin was fully canceled. No balance remained.

Here’s the beauty of that moment: Jesus didn’t make a down payment on our salvation—He covered the whole cost. There’s no spiritual tab left open. No merit we must achieve. His grace is sufficient. We don’t live in spiritual deficit—we live in the overflow.

That changes everything.

We’re free from guilt, shame, and striving. Obedience becomes a joyful response—not a burden to gain God’s favor. In Christ, we have everything we need. We follow Him not to earn life but because in Him, we’ve already found it.

__The Goodness of Good Friday__

So, on this Good Friday, as you pause and remember the cross, listen again to Jesus's final words: It is finished. Let those words sink deep into your soul.

The debt is paid. The work is done. Salvation is secure.

You are loved beyond measure and invited into a life of grace, freedom, and eternal hope.

__And that’s why this Friday is so very good.__

This week may feel somber, but it’s actually meant to be filled with hope. Let’s reflect on what makes this day so good.

It Is Finished: Why We Call It “Good” Friday

__Imagine going back in time to evaluate a stock portfolio on Dec. 31, 1999. Over the prior five years (1995-1999), foreign stocks have performed well, nearly doubling in value (+95%). But then you look at your U.S. stocks, which have gained 2.5 times as much (+244%)!__

That huge performance disparity caused many global investors to pile into U.S. tech stocks during the dot-com bubble. Alas, from the dot-com bubble peak in March 2000, performance for these classes flipped back the other way. Over the next 7½ years, U.S. stocks earned a meager +13.5% (total), while foreign stocks were much better, gaining +69%.

Global investors have recently relived a similar, if even more dramatic, setup. Over the past 14 years, U.S. stocks have gained *four times* more than foreign stocks: +493% vs. +114% (13.6% vs. 5.6% annualized). As during the 1990s’ dot-com bubble, the default decision for many global investors has been to increasingly pile into large U.S. growth stocks.

__Catalysts are emerging__

The effect of 14 years of U.S. outperformance on stock valuations has been profound. The average weighted Price-to-Earnings (P/E) ratio for the MSCI U.S. Index is 26.5. For the MSCI World ex-US index, it’s just 16.1.

However, as SMI has written countless times, valuation is not a helpful timing indicator. Foreign stocks have been cheap for years now. The valuation gap tells us that if/when investors favor foreign stocks again, the reversal could pack a powerful punch. But it doesn’t tell us anything about *when* that is likely to happen.

What factors should we be watching for signs of a reversal between U.S. and foreign stocks? SMI has covered some of this ground before, specifically in the January 2024 article, *[Uncomfortable Regime Shifts](https://soundmindinvesting.com/articles/uncomfortable-regime-shifts)*. That article explained how the higher inflation environment since COVID has led to rising interest rates. Higher rates make “tangible” businesses more attractive relative to the more “ethereal” tech businesses that thrived during the recent era of ultra-low interest rates. Not coincidentally, the U.S. market is dominated by big tech companies (Magnificent Seven, etc.), while foreign markets are much less heavily weighted toward tech.

That’s a solid over-arching thesis to keep watch on. But as we’ve watched the opening months of the new [Trump 2.0 administration](https://soundmindinvesting.com/articles/trump-2-0-using-objective-investing-models-to-guide-us-through-anticipated-disruption) with keen interest, other factors have emerged to cause global investors to question their devotion to the “U.S. Exceptionalism” trade that has been the default in recent years.

__New administration policies tipping investor preferences?__

There’s considerable recent evidence that global investors are starting to vote with their feet. February and March have seen significant outflows of U.S. stocks, while foreign stocks are seeing huge inflows. Given the extent and duration of U.S. stock dominance in recent years (see chart below), we’re not willing to say this trend has definitively reversed. But given the massive degree of mean reversion possible after such a long one-sided move, it’s something we’re watching closely.


![](https://soundmindinvesting.com/assets/articles/l3-us-share-world-market-capitalization.png)


Here are a few reasons investors may be inclined to favor foreign stocks.

1. __Fiscal impulses are reversing.__
Over the past five years (since COVID), the U.S. has run enormous deficits, allowing the government to spend at a rate unprecedented outside of past wars or recessions. U.S. deficits of roughly 7% of our GDP have dwarfed the spending of other countries (most of whom have run deficits of 2-3% of their much smaller GDP levels). The net effect of this gusher of U.S. government spending has been much stronger U.S. economic growth than other countries.Suddenly, and somewhat unexpectedly, this is reversing. Much of the attention since President Trump’s inauguration has focused on cutting U.S. government spending. At the same time, tariff and treaty uncertainty has triggered numerous foreign nations to significantly boost their own plans for government spending.Put simply, the U.S. is *reducing* its fiscal spending while the rest of the world is *increasing* theirs. Government spending has a powerful short-term impact on the companies that receive it and their stock prices.
2. __Growth expectations are diverging.__
This is another angle on the prior point. The U.S. avoided a recession when most expected one in 2022-2024. In contrast, Europe and China suffered through recessions and now appear to be emerging out of them. Declining growth here vs. improving growth elsewhere changes the relative attractiveness of high-priced U.S. stocks vs. the relative bargains available overseas.
3. __Re-writing the global economic agreement.__
For many years, the global economy ran on the following rough equation: the U.S. bought everyone else’s stuff (exports), and then the rest of the world recycled many of the dollars used to buy those goods back into U.S. financial assets (stocks and bonds). That’s arguably been a bad deal for U.S. workers, but it’s been great for U.S. asset prices which have boomed.Now, President Trump has clearly stated his intent to rewrite this equation by increasing U.S. manufacturing. This means less U.S. buying of everyone else’s exports...and by logical extension, less foreign buying of U.S. financial assets.
4. __Interest rate differentials are closing.__
Interest rates are impacted by many factors, but one of the biggest is growth expectations. So it’s not surprising that after several years of very low growth expectations in major economies like Europe and Japan (plus China fighting through their own 2008-type financial crisis the past several years), improving foreign growth prospects are causing foreign interest rates to finally rise from the extreme lows of the past decade.More competitive rates at home make foreign investors incrementally more inclined to bring their capital home, rather than seeking higher yields in U.S. assets, including U.S. Treasuries. These global capital flows matter to national economies (money flowing *in* to a country creates a virtuous cycle for business, money flowing *out* tends to create challenges). And these flows matter a lot to financial markets.
5. __National pride.__
It’s easy to forget that while U.S. financial markets are disproportionately large relative to U.S. population or the U.S. share of global economic activity, the rest of the world combined isn’t far behind. International money managers control vast amounts of capital, assets that could potentially be on the move as the U.S. appears to become a less reliably friendly place for global capital.Opinions vary widely on some of the international decisions being taken by the Trump Administration. But even if they are necessary and appropriate, they clearly are triggering other nations to perceive them along a sliding scale ranging from pulling back from long-time friendships (Europe) to outright economic warfare and threats (Canadians are mad!). In addition to the purely logical points listed here, it wouldn’t be shocking to see emotions play a role in some foreign investors choosing to bring their savings back home
6. __Currency revaluation.__
Currency fluctuations are complicated, but here’s a high-level overview. When the dollar is *rising* in value relative to foreign currencies, foreign investors get a secondary benefit by owning U.S. stocks, as dollar profits are more valuable when converted back into their native currencies. Meanwhile, U.S. investors see the opposite effect from their own holdings of foreign stocks — foreign profits are less valuable because it takes more of them when being converted into stronger dollars.This dynamic flips when the dollar is *falling* relative to foreign currencies — foreign investors become relatively less enthused by U.S. returns, while U.S. investors get a boost from foreign stock returns.Many factors impact the value of currencies, so we don’t want to oversimplify here. But generally speaking, lower U.S. growth should lead to lower interest rates. Higher foreign economic growth should lead to higher foreign interest rates. These trends appear to be contributing to the dollar’s roughly -6% decline in value relative to foreign currencies since peaking in early January. The dollar decline has provided a recent tailwind to U.S. investors owning foreign stocks while potentially incentivizing foreign investors to reduce their holdings of U.S. stocks.
### 
__Broader options are a good thing for SMI strategies__

The factors we’ve reviewed here help explain why President Trump and Treasury Secretary Bessent keep repeating the idea that an adjustment period is required for the U.S. economy and that some pain may be ahead for U.S. asset prices. Starting points matter a lot in investing, and the reality is U.S. markets began 2025 with some of the highest valuations ever. In contrast, many foreign markets have very attractive valuations after being largely ignored for years.

Even if a rebalancing between U.S. and foreign markets is underway, it’s difficult to know whether this will be a rapid repricing vs. a trend that unfolds gradually. Either way, the SMI strategies will monitor this via our trend and momentum processes. Those processes led DAA into foreign stocks at the end of January, which has helped blunt the recent correction in U.S. stocks. (DAA’s foreign stock holding was up +11.2% year-to-date through March 25, while the S&P 500 was down -1.5%.) This month, [Stock Upgrading](https://soundmindinvesting.com/articles/stock-upgrading-new-fund-recommendations-for-april-2025) is buying a new foreign stock fund for the first time since December 2023.

Importantly, this isn’t the first time SMI has navigated a potentially significant trend shift away from large U.S. stocks and into foreign stocks. The years following the dot-com bubble saw huge outflows from large U.S. growth stocks that went into other parts of the market, including foreign stocks. Those years were some of SMI’s *strongest relative performance years ever*.

__The simple fact is that it’s difficult for active management to outperform when the biggest U.S. growth stocks are beating every other investment type by a wide margin. In contrast, active management tends to thrive when market activity broadens out to include foreign, small company, and value-oriented stocks. It’s too early to say definitively the trends have shifted in this direction, but the recent pickup in foreign stock returns has certainly grabbed our attention.__

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

Sound Mind Investing

Investing

Have stocks shifted in a different Direction? Recent pickup in foreign returns has certainly grabbed our attention.

Time for Foreign Stocks to Shine?

__Puritan poet Anne Bradstreet once said, *“Wisdom without an inheritance is better than an inheritance without wisdom.”* That quote sums up the challenge many Christian parents face when considering how to pass down wealth to the next generation. [Studies show](https://olin.wustl.edu/about/news-and-media/news/2023/08/unequal-inheritances-on-the-rise-as-families-change.php) that about two-thirds of parents divide their estates equally among their children. While that may seem fair on the surface, it can sometimes cause more harm than good.__

Let’s explore how a biblical and thoughtful approach to inheritance can lead to better stewardship and deeper family unity.

__The Uniqueness Principle__

Every parent of more than one child has probably asked: *How can children from the same family be so different?* They grow up in the same environment, share the same DNA, and often have similar experiences—yet they turn out to be radically different in how they think, behave, and manage money.

This is where the *Uniqueness Principle* comes into play: __Love your children equally, but treat them uniquely.__

One child might have greater financial needs, while another might be better equipped to handle money wisely. Good stewardship acknowledges these differences and responds accordingly.

In our own family, my wife Judy and I have chosen to allocate varying amounts to each of our children, depending on their emotional, financial, and spiritual needs. This decision wasn’t made lightly. It’s the fruit of prayer, discernment, and conversations aimed at honoring both love and wisdom.

__Fairness Isn’t Always Sameness__

Many parents feel an internal tug toward “fairness” in the form of equal distribution. That’s understandable. No one wants to be accused of favoritism. But fairness doesn’t always mean sameness. It means doing what is *right*, not just what is *even*.

Of course, favoritism can lead to deep family wounds—just look at the story of Joseph in Genesis. His father Jacob *"loved Joseph more than any of his other sons"* (Genesis 37:3) and gave him a special coat that sparked jealousy and division. The issue wasn’t that Joseph was treated uniquely—it was that Jacob didn’t love all his sons equally.

__Biblical stewardship calls us to avoid favoritism and recognize the reality that equal love often requires unique treatment.__

For parents concerned about conflict or resentment, there’s one key strategy: open and honest communication. Talk to your children while you're still alive. Explain your heart, motivations, and desire to bless each of them in ways that consider their individual needs.

When families understand the *why* behind financial decisions, they’re more likely to remain united—even when those decisions are complex.

__Three Questions for Wise Wealth Transfer__

I’m not saying you *should* leave unequal inheritances. I’m saying you *might*—and the best way to know is to follow a thoughtful, prayerful process. Here are three questions that can guide your decision:

1. What is the worst (or best) thing that could happen if I transfer wealth to this child?
2. How serious is it?
3. How likely is it to occur?

The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that’s not the objective of these questions. The goal is to guide you toward a well-thought-out decision.

I also recognize that many parents worry about resentment among their children if they don’t divide assets evenly. The best way to handle this is through *clear communication*. Open and honest conversations while you’re alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity.

Ultimately, wealth transfer should reflect God’s wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered.

__So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God’s wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible.__

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.”

Should You Leave Equal Inheritances To Your Children?

<p><i>“The Lord is good to those who wait for him, to the soul who seeks him.” - </i>Lamentations 3:25</p><p>We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.</p><p>Sharon Epps is the President of <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>, <a href="https://www.faithfi.com/">FaithFi</a>’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.</p><h3>When Life Doesn’t Go According to Plan</h3><p>Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair.</p><p>In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us.</p><p>When our expectations are shattered, our reactions often fall into two extremes:</p><ul><li><strong>Resignation:</strong> We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether.</li><li><strong>Control:</strong> We force outcomes, striving and manipulating circumstances to regain a sense of stability.</li></ul><p>Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind.</p><p>Psalm 27:14 says, <i>“Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!”</i> Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, <i>“The work God wants to do in us while we wait is as important as what we are waiting for.”</i></p><p>Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way.</p><h3>Practical Steps for Seasons of Waiting</h3><p>Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting:</p><ol><li><strong>Acknowledge God is at work</strong> – Even if you can’t see it. Habakkuk 1:5 reminds us, <i>“I am doing a work in your days that you would not believe if told.”</i><br /> </li><li><strong>Change your perspective</strong> – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint.<br /> </li><li><strong>Worship in the waiting</strong> – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances.</li></ol><p>For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand.</p><p>And that’s not just a consolation—it’s a promise.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people?</li><li>I heard that disability and SSI are going to increase their monthly payments. Is this true?</li><li>I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</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 Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25

We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.

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

Finding Hope in Seasons of Missed Expectations with Sharon Epps

Where timeless biblical wisdom meets today's financial decisions.

Become Wise With Money

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

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

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

Christian Credit Counselors

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

Talking about money is challenging and uncomfortable.

We teach church leaders the biblical perspective on finances.

Christian Stewardship Network

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

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

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

Compass Financial

Discover the secret of "winning by not losing".

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

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

Give generously. Save wisely. Live appropriately.

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

Investing can be more than just returns

Eventide

Every Investment Has An Impact

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

Faith Driven Investor

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

Join the Movement

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

Gospel Patrons

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

Do you have a Giving Strategy?

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

National Christian Foundation

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

Explore the Joy of Generosity

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

Generous Giving

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

Find Joy and Freedom in a Life of Surrender

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

Ron Blue Institute

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

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

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

Christian Healthcare Ministries

INVEST IN PRAXIS

FatihFi App

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

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.

Explore our articles, podcast, and courses.

Educational resources for Biblically faithful investing

Inspiring an authentically Christian practice of modern investing.

Eventide Center for Faith & Investing

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

Entrepreneurship is a lonely journey.

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

Faith Driven Entrepreneur

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

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

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

Smarter Stewardship

<p>The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts.</p><p>If you explore this subject, you’ll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I’m not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It’s always about something bigger, looming in the background.</p><p>Money isn’t just a resource; it’s a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That’s why Jesus said in Matthew 6:21, <i>“For where your treasure is, there your heart will be also.”</i></p><p>From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure.</p><h3>Every Financial Decision Is a Spiritual One</h3><p>Even small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that <i>“no one can serve two masters…you cannot serve God and money.”</i></p><p>This doesn’t mean we can’t enjoy God’s provision. In fact, Ecclesiastes 3:12–13 says, <i>“There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God’s gift.”</i> However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God’s heart?</p><p>In marriages and relationships, conflicting values around money are common, and they’re not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation.</p><p>Howard Dayton, the previous host of this program, used to say, <i>“It’s hard to quarrel when you’re praying together.”</i> Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division.</p><p>If money disagreements persist, don’t hesitate to bring in wise, biblical counsel. A financial advisor—especially a <a href="https://www.faithfi.com/find">Certified Kingdom Advisor®</a>—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity.</p><h3>The Bottom Line: God Wants Your Heart</h3><p>Whether you’re facing a tough decision or navigating financial tension in your home, remember: it’s not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust.</p><p>So whatever you’re facing today, don’t walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a credit card with a $9,300 balance and would like to know how to pay it off quickly while minimizing high-interest charges.</li><li>I have an annuity and IRAs with Edward Jones that I'm unhappy with due to low performance and high fees. I'm considering moving my investments to Schwab or another financial institution and want advice on how to manage my approximately $500,000 in investable assets.</li><li>I currently have two certificates of deposit and would like to know if I should liquidate them and open an IRA instead.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</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>

The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts.

It’s Not About The Money

<p>Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it?</p><p>How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.</p><p>Crystal Paine is the founder of <a href="http://moneysavingmom.com/">MoneySavingMom.com</a> and the author of <a href="https://www.amazon.com/Money-Saving-Moms-Budget-Streamline/dp/1451646208/ref=sr_1_3?crid=TSZW98LOMH1P&amp;dib=eyJ2IjoiMSJ9.2AV3tMSyu_1QR8suuUkReHWsATq9upu_b2D3J_iOYLcapQB1w1NDHwCCUXHylzCuD8qN2i_h7QxxXeHhMe4DjUqvts09d5-UvbxDFijUmghiaFzJZMIyF4QueuZSyYi7lnZZDAX1WKeBoqqX9ul7f2oScKwSO_5LESN-2jcApb7yY0eLfkS_O87DzTpkrKxnAgaK9mdI3ZqsyhyFk2m3ZIGVswqBb4GlfF0fODCl7IdfQcqJuA0ZTnS__F_ppL_h3FpnF6szuVsBmZKcnLXFlwE5G1YUnHKoSvzevMoFowU.gCpz3IpU47TiZe4Yephuf2phdXx56BXMCUDz_MsPGG4&amp;dib_tag=se&amp;keywords=crystal+paine&amp;qid=1744811699&amp;sprefix=crystal+paine%2Caps%2C141&amp;sr=8-3"><i>The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year</i></a><i>. </i></p><h3>How to Take a Great Family Vacation Without Breaking the Bank</h3><p>Planning a family vacation is one of life’s great joys—and, if you’re not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret.</p><h3>1. Start with a Plan—and Start Early</h3><p>Plan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like <a href="https://www.google.com/travel/flights">Google Flights</a> to find the best travel deals.</p><p>Google Flights lets you enter your preferred dates and search <i>anywhere</i> for the lowest fares. It’s a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it’s staying near the beach, and you're willing to save by eating in.</p><h3>2. Look for Free Activities</h3><p>You’d be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories.</p><h3>3. Get the Whole Family Involved</h3><p>Vacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they’re not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip.</p><p>This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun.</p><h3>4. Be Strategic About Meals</h3><p>Eating out can quickly blow your vacation budget. Instead, be intentional. That’s why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home.</p><p>Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It’s way cheaper than dining out every meal.</p><p>Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost.</p><h3>5. Set a Daily Spending Limit</h3><p>One final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun?</p><p>This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort.</p><p>Remember that the best vacation is the one you come home from <i>without</i> credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable.</p><p>Want more money-saving tips from Crystal? Visit<a href="https://www.moneysavingmom.com"> MoneySavingMom.com</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I just set up a new bank account, and they recommended using a debit card to pay bills. But I've always used my credit card and think it's more secure. What's your advice on using a debit versus a credit card for monthly bills?</li><li>I have a 401(k) and want to invest more deeply in stocks. I know the stock market is dropping, but I remember when it fell much more. I'm confident about our economy and in God. I'd like to invest about 30% in stocks, but I'm wondering if I'm getting in too soon, or should I wait for the market to go lower?</li><li>I have a question about annuities. We talked to someone about an annuity that's locked into some kind of care, like long-term care insurance. We're in our early 60s, and I'm wondering if it's too late and if this is a good idea.</li><li>I have a money market account into which my wife's paycheck goes, and we pay our mortgage. Is this a safe place for our emergency fund, or is there a better option?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="http://moneysavingmom.com">MoneySavingMom.com</a></li><li><a href="https://www.google.com/travel/flights">Google Flights</a></li><li><a href="http://bankrate.com">Bankrate.com</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</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>

Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it?

How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.

Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year.

5 Smart Tips for a Budget-Friendly Family Vacation with Crystal Paine

<p>What’s the difference between a bank and a credit union? More than you might think.</p><p>At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.</p><p>Aaron Caid is the Chief Marketing Officer at <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>. </p><h3>A Different Kind of Financial Institution</h3><p>Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent.</p><p>However, <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a> goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom.</p><p>At <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a>, they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments.</p><h3>Surprising Strength in Rates and Services</h3><p>Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees.</p><p>Here’s a snapshot of <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union’s (CCCU)</a> current offerings:</p><ul><li><a href="https://www.mycccu.com/personal/checking/harvest-checking/">Harvest High-Yield Checking:</a> 4% APY on balances up to $5,000 with no maintenance fees</li><li><a href="https://www.mycccu.com/personal/savings/harvest-savings/">Harvest High-Yield Savings:</a> 5% APY on the first $5,000</li><li><a href="https://www.mycccu.com/personal/certificates/welcome-certificates/">Welcome CD:</a> 4.5%–4.75% APY on 5- and 10-month terms</li><li><a href="https://www.mycccu.com/personal/credit-cards/visa-mastercard/">Cash Back Credit Card:</a> 1.5% cash back <i>and</i> a donation to Christian causes with every swipe</li></ul><p>CCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support.</p><p>Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like <a href="https://www.faithfi.com/">FaithFi</a> and <a href="https://compassfinancialministry.org/">Compass Financial Ministry</a> to help our members grow in their financial discipleship.</p><p>It’s not just about managing money well—it’s about managing money faithfully.</p><h3>Funding Ministry and Fueling the Gospel</h3><p>One of the most inspiring aspects of <a href="https://www.mycccu.com/faithfi/">CCCU</a> is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need.</p><p>From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily.</p><p>Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide.</p><h3>Becoming a Member is Easy</h3><p>So, how can you join?</p><p>Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member.</p><p>With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory.</p><p>To learn more or become a member, visit<a href="https://joinchristiancommunity.com"> joinchristiancommunity.com</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a 401(k) at a place where I used to work about 15 years ago, at the University of North Chicago. It's about $15,000, and I have not been at that job for over 15 years. I want to know if it's a good idea to move it. Should I combine it with my current 401(k), or should I just leave it there?</li><li>I have a stock in my portfolio that is losing between 40 and 47%. It has an F rating and is a large part of my portfolio. I want to sell it, but I want to know what to do with it after I sell it. I have it in Schwab, and I'm wondering if there's a better fund I could put it in since I have a lot sitting there.</li><li>I'm contributing to an employer 457(b) plan. Those funds are going into a Roth plan, and I am contributing the maximum amount. I'm married and over 50. I'd like to know if I can also open a personal Roth IRA and a traditional Roth IRA.</li><li>I would like to sell a piece of land, but I want to sell it to a developer, maybe someone who would be developing a spa, a hotel, or something similar. I want to know where I can go to access or look for developers who would be interested in purchasing my land.</li><li>My husband and I didn't file taxes from 2016 to 2022, and sadly, he passed away recently. There are IRS notices with increased penalties and interest. Do I have to list the fact that there is a withholding on the IRS notices, even though I didn't have any income, and it was all his income?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</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>

What’s the difference between a bank and a credit union? More than you might think.

At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.

Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance.

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