Money conversations often center on numbers, strategies, and outcomes. But underneath those practical concerns lie deeper questions—questions about identity, worth, and purpose.
For many women, financial confidence isn’t just about knowledge. It’s deeply connected to how they see themselves and their role in God’s story. That’s why conversations about money must go beyond budgets and investing—they must address the heart.
On today’s show, financial advisor and author Bethany Frymire shared how faith, identity, and financial decision-making are deeply intertwined—and why that connection matters.
Money conversations often center on numbers, strategies, and outcomes. But underneath those practical concerns lie deeper questions—questions about identity, worth, and purpose.
For many women, financial confidence isn’t just about knowledge. It’s deeply connected to how they see themselves and their role in God’s story. That’s why conversations about money must go beyond budgets and investing—they must address the heart.
On today’s show, financial advisor and author Bethany Frymire shared how faith, identity, and financial decision-making are deeply intertwined—and why that connection matters.
A Calling Rooted in Faith
Bethany Frymire, a Certified Kingdom Advisor (CKA®) with Blue Trust and author of , didn’t set out to work in financial services. Her journey began unexpectedly, but God used it to shape a calling centered on helping others steward resources through a biblical lens.
Women of Worth: A Faith-Based Guide to Financial Wisdom
Today, she serves clients by integrating financial planning with spiritual wisdom—helping believers align their financial lives with their faith.
That integration is key. Because money, at its core, is never just about money.
Why Identity Matters in Financial Decisions
Too often, finances are treated as a separate category of life—something purely practical or technical. But that approach misses something important.
As Bethany explains, women in particular tend to live integrated lives. Faith, identity, relationships, and responsibilities all flow together. When one area is uncertain—especially identity—it can affect everything else, including financial confidence.
If someone struggles to believe she is valued and called by God, that uncertainty can manifest as hesitation, fear, or avoidance in financial decisions. But when identity is grounded in Christ, everything changes.
Confidence replaces fear
Clarity replaces confusion
Purpose replaces passivity
Financial stewardship becomes not a burden—but an opportunity to honor God.
The Confidence Gap—and Why It Matters
There’s a striking reality many women face:
94% expect to manage finances at some point
But only 28% feel prepared to do so
That gap often becomes most evident during life’s hardest moments—widowhood, divorce, or unexpected transitions.
Without preparation, financial responsibility can feel overwhelming. But when knowledge and confidence are built in advance, those same moments can be approached with wisdom and peace.
That’s why learning stewardship isn’t just about the future—it’s about faithfulness today.
Knowledge Isn’t Enough
Financial education is important. But knowledge alone doesn’t always lead to action.
Why? Because confidence to act is often rooted in identity.
You can understand budgeting, investing, and generosity—but still hesitate to apply those principles if you doubt your worth or calling.
But when women begin to see themselves as God sees them—valued, chosen, and entrusted—they become far more willing to step forward and act on what they’ve learned.
That’s when financial wisdom moves from theory to transformation.
Moving Past Shame and Regret
For many, financial conversations carry a weight of discouragement—or even shame.
Past mistakes. Missed opportunities. Regrets.
But Scripture offers a different perspective: grace. No one has it all figured out. And no financial story is beyond redemption.
As Bethany reminds us, there is always a next step—no matter how small. And those steps matter.
Instead of being defined by past decisions, we’re invited to move forward with:
Grace instead of guilt
Wisdom instead of fear
Hope instead of hesitation
The Power of the Next Right Step
Growth rarely happens all at once.
It happens through small, faithful decisions—taken over time.
That’s why focusing on the “next right step” is so powerful.
It removes the pressure to have everything figured out
It creates space for learning and growth
It builds confidence through consistency
Over time, those small steps form habits. And those habits shape a life of faithful stewardship.
A Renewed Vision of Worth and Purpose
At the heart of this conversation is a simple but transformative truth: Your worth is not defined by your financial success—but by your identity in Christ.
Ephesians 2:10 reminds us that we are God’s workmanship, created for good works He prepared in advance. That includes how we steward money.
When we begin to believe that God has a purpose for our lives, it reshapes everything:
How we approach finances
How we view responsibility
How we step into opportunities
Stewardship becomes not just a task—but a calling.
An Invitation to Grow
No matter your life stage—whether you’re just starting out, navigating a major transition, or seeking clarity—there is always room to grow in wisdom and confidence.
And that growth begins not with a financial strategy—but with a deeper understanding of who you are in Christ.
Because when you know your worth in Him, you can steward what He’s entrusted to you with confidence, clarity, and joy.
Take the Next Step
If this conversation resonates with you, consider going deeper.
And if you’d like to see her article “Q&A: Women & Finance with Bethany Frymire” in the latest issue of our Faithful Steward magazine, we’d invite you to become a FaithFi Partner. When you give $35 a month or $400 a year, you’ll receive the Faithful Steward magazine each quarter—filled with biblical insights, practical tools, and encouragement to help you steward God’s resources faithfully.
To join, simply visit FaithFi.com/Give and become part of a community committed to integrating faith and finances for the glory of God.
On Today’s Program, Rob Answers Listener Questions:
I have a Roth portion in my 401(k). When I retire soon, can I withdraw it right away, and will I owe any taxes?
I had an unused LLC that’s now dissolved for failing to file taxes. Should I reinstate it or start a new one—and will the old LLC cause issues later?
I started a nonprofit serving the unhoused. What’s the best way to raise awareness and find grants to support it?
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.
Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
