<p>In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, <i>“Things never happen the same way twice.” </i></p><p>It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions.</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>Lessons from Narnia</h3><p>C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. <i>“Things never happen the same way twice,”</i> Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning.</p><h3>When Life Goes Into Transition, Money Goes Into Motion</h3><p>Financial author Mitch Anthony says it best:<i> “Money goes into motion when life goes into transition.”</i> Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well:</p><p><strong>1. Pray for Wisdom</strong></p><p>Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.”</p><p><strong>2. Seek Godly Counsel</strong></p><p>Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress.</p><p><strong>3. Plan the Financial Details of the Transition</strong></p><p>With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later.</p><p><strong>4. Prepare for the Unexpected</strong></p><p>Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience.</p><p><strong>5. Communicate Ahead of Time</strong></p><p>Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be.</p><p>These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and faithful stewardship.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m new to investing and want to understand the basics of the stock market, as well as how to avoid scams.</li><li>I’m considering buying precious metals to pass on to my children and grandchildren. What’s the best way for them to sell or redeem them in the future?</li><li>If I give to animal charities, does that count as tithing? Or is tithing meant specifically to support ministries focused on people?</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.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>

FaithFi

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

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. Sharon Epps joins us today with sage advice about preparing for life’s transitions.

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.

Preparing for Life’s Transitions with Sharon Epps

<p><i>“The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — </i>Proverbs 14:8</p><p>Today, we’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Rachel Petty, as we take a closer look at the Green temperament and how it influences our approach to money.</p><p>Kathleen Edelman is the author of <a href="https://isaidyouheard.com/collections/all"><i>I Said This, You Heard That: How Your Wiring Colors Your Communication</i></a>. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.</p><p>Rachel Petty is a valued member of Kathleen Edelman’s team and is our Green Temperament representative for this episode. </p><h3>What Are the Four Temperaments?</h3><p>The concept of temperaments dates back to Hippocrates, whom Galen followed in naming the four temperaments. Each temperament is a wiring we’re born with—more like eye color than personality—and it shapes how we communicate, relate, and even handle money. The four types are:</p><ul><li><strong>Yellow (Sanguine):</strong> Extrovert, people-oriented; speaks the language of people and fun.</li><li><strong>Red (Choleric):</strong> Extrovert, task-oriented; speaks the language of power and control.</li><li><strong>Blue (Melancholic):</strong> Introvert, task-oriented; speaks the language of perfection and order.</li><li><strong>Green (Phlegmatic):</strong> Introvert, people-oriented; speaks the language of calm and harmony.</li></ul><p>Temperament is your innate wiring. Personality develops through life experiences, but temperament remains relatively consistent.</p><h3>Meet the Green: Introverted and People-Oriented</h3><p>Greens are known as “relationship glue”—calm in chaos, steady in presence, and always people-conscious. They’re inward processors, but also deeply relational.</p><p>They are drawn to budgeting with others and long-term planning. They don’t like flashy risks or micromanaging. They prefer round numbers and fewer check-ins.</p><p>Because Greens crave harmony, they might avoid financial conflict or decisions altogether. But with gentle encouragement and time, they become wise and thoughtful stewards.</p><h3>Strategies That Help</h3><p>Rachel offers practical tools for those who fall under the Green category or know somebody who does:</p><ul><li><strong>Stay involved.</strong> Greens can sometimes disengage easily. It’s a discipline to speak up.</li><li><strong>Name what matters.</strong> Clarifying what’s most important—whether for a trip or a purchase—helps prioritize.</li><li><strong>Set deadlines.</strong> It gives them the gentle nudge that action is needed.</li></ul><p>Greens thrive when respected and heard. Their insights are valuable—they just need time and space to process them fully.</p><p>However, don’t pressure a Green. Invite them in gently and clearly. They want to contribute—they just need the right environment.</p><h3>The Innate Needs of a Green</h3><p>According to Kathleen, Greens have four core needs:</p><ol><li><strong>Harmony –</strong> a peaceful environment.</li><li><strong>Lack of Stress –</strong> minimal conflict.</li><li><strong>Feeling of Worth –</strong> appreciation for who they are.</li><li><strong>Respect –</strong> being asked for their input.</li></ol><p>When these needs are met, Greens are kind, steady, and confident. When ignored, they may retreat or procrastinate.</p><p>For those in the Green category, take the time to understand what matters to you and lean into your steady nature. And for those in a relationship with a Green—give them time, space, and encouragement. There’s more going on than you might see.</p><p>And remember this: if you are a Green, your calm is a gift. Advocate for yourself—peace sometimes requires courage. Your voice matters.</p><h3>Want More?</h3><p>If you've found this information valuable, make sure you don’t miss Kathleen’s latest article on temperaments, featured in the newest issue of <a href="https://www.faithfi.com/give">Faithful Steward</a> magazine. This quarterly publication is a special resource we send to our <a href="https://www.faithfi.com/give">FaithFi partners</a>—those who support the ministry at a monthly rate of $35 (or more) or an annual rate of at least $400. </p><p>To become a partner and receive your copy, along with other exclusive benefits, just visit<a href="https://faithfi.com/give"> FaithFi.com/Give</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My husband and I are both in our second marriage, and we have a blended family. His children are grown and financially independent, while mine are still in college. We have different perspectives on how to manage the assets we each brought into the marriage, and we’re unsure how to align our financial approach moving forward. What would you suggest?</li><li>Is it true that any interest earned from a high-yield savings account must be reported to the federal government for tax purposes?</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.isaidyouheard.study/shop">I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen Edelman</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>

“The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — Proverbs 14:8

Today, we’re continuing our series on temperaments—how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman is back with us, joined by Rachel Petty, as we take a closer look at the Green temperament and how it influences our approach to money.

Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.

Rachel Petty is a valued member of Kathleen Edelman’s team and is our Green Temperament representative for this episode.

The Green Temperament with Kathleen Edelman and Rachel Petty

<p>Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment.</p><p>And the same is true when it comes to your finances. Today, we’ll explore what changes when you commit to managing money God’s way.</p><p>You’ve heard the saying, <i>“Things worth doing are worth doing well.”</i> And when it comes to your finances, there are certainly some things worth doing—like saving for the future, creating a spending plan, paying down debt, giving generously, and living with honesty and integrity.</p><p>If you want to see real results in any area of life, it’s going to take effort—sometimes a lot of it. And that’s true for your financial life, too. Following biblical financial principles takes determination, planning, patience, and even sacrifice. So, why is it worth the effort?</p><p>Because while commitment requires something of us, it also gives something to us. When we live with faith and integrity in our finances, we experience peace, contentment, and even joy. It’s not just about doing the right thing—it’s about being transformed more and more into who God wants us to be.</p><h3>Joining God in His Work</h3><p>When you honor Him with your finances, you join in His work, bringing mercy and blessing to others. And as you experience His provision personally, your faith deepens, and your story becomes a testimony to encourage others.</p><p>The Bible is filled with examples of faithful commitment. Hebrews chapter 11 is sometimes called the “Hall of Faith” because it highlights men and women who trusted God, even when they couldn’t see the outcome. Abraham, Moses, Rahab—they placed their hope in God’s promises before Christ ever came.</p><p>But the ultimate example of commitment is Jesus Himself. Hebrews 12:2 says:</p><p><i>“For the joy set before him, he endured the cross, scorning its shame, and sat down at the right hand of the throne of God.”</i></p><p>A Savior who gave everything to redeem us is more than worthy of our full devotion in return.</p><p>Faith lies at the heart of such a commitment, especially when it comes to finances. Hebrews 11:1 defines faith as:</p><p><i>“Confidence in what we hope for and assurance about what we do not see.”</i></p><p>That means trusting God’s promises, even when circumstances feel uncertain.</p><h3>Who’s Really in Charge?</h3><p>So, committing to manage money God’s way starts with faith, but it also requires surrender. That means asking: who’s really in charge—me, or the Lord?</p><p>In Matthew 6:24, Jesus says:</p><p><i>“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”</i></p><p>That’s a heavy reminder for all of us. We can’t be fully committed to both God and money. One will always take priority, and when it’s not the Lord, we will feel that tension.</p><p>Here are a few honest questions to consider:</p><ul><li>Do financial worries consume your thoughts?</li><li>Do you find yourself chasing more and more money, more stuff, more status?</li><li>Is your sense of security tied to your job or investments?</li></ul><p>If you answered yes to any of those, you’re not alone. Many of us wrestle with divided hearts. It’s easy to lean on what we can see, especially when life feels uncertain. But money, career, or comfort can never offer the lasting peace only God provides.</p><p>Choosing to follow God’s financial principles takes daily trust and perseverance. Galatians 6:9 offers this encouragement:</p><p><i>“Let us not grow weary of doing good, for in due season we will reap, if we do not give up.”</i></p><p>Another gift of commitment is the encouragement we receive from God’s people. You weren’t meant to follow Jesus—or manage your finances—on your own.</p><p>Colossians 3:12–15 paints a powerful picture of Christian community:</p><p><i>“As God’s chosen people, holy and dearly loved, clothe yourselves with compassion, kindness, humility, gentleness and patience… Let the peace of Christ rule in your hearts, since as members of one body you were called to peace.”</i></p><p>If you’ve ever felt like giving up on your budget or putting off your giving goals, you’re not alone—we all face struggles. But if everything were easy, we’d never grow stronger.</p><h3>Walking With You</h3><p>That’s why we’re here at <a href="https://www.faithfi.com/">FaithFi</a>—to walk alongside you. Whether you’re just starting out or have walked this path for a long time, we want to offer help rooted in grace, wisdom, and truth.</p><p>Most of all, we want you to experience the joy of following Jesus with every part of your life, including your finances. Because true freedom doesn’t come from having more—it comes from trusting the One who gave everything for you.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I turned 65 in March and am now eligible for Medicare; however, I remain employed and have employer-sponsored health insurance that includes an HSA, which I continue to contribute to. I’ve received conflicting information—can I delay Medicare enrollment and still have both my employer and I contribute to my HSA?</li><li>I’m a 73-year-old widow and have been retired since 2017. When I retired, I rolled my 401(k) into an IRA, and that money is currently sitting in a Fidelity money market account. I also have an emergency fund with about $50,000. Given my situation, what would you recommend I do?</li><li>I’m a recent immigrant to the U.S. and travel frequently to visit family abroad, which has led to long employment gaps. Even though I have an excellent credit score, I’m having trouble getting approved for housing because landlords and lenders want to see consistent income. Is there a way to circumvent this challenge?</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>

Getting fit takes willpower. Earning a degree takes determination. Reaching your career goals takes hard work. In short, success takes commitment.

And the same is true when it comes to your finances. Today, we’ll explore what changes when you commit to managing money God’s way.

The Power of Financial Commitment: Trusting God with Every Dollar

<p><i>“He who has ears, let him hear.”</i> – Matthew 13:9</p><p>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. Today, we’ll look at this story and what it reveals about the heart behind our finances, especially the warning about <i>“the deceitfulness of riches”</i>.</p><h3>The Parable of the Sower and the State of Our Hearts</h3><p>The Parable of the Sower 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 draws our attention today: the seed that fell among thorns.</p><p>In Matthew 13:22, Jesus says,</p><p><i>“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.”</i></p><h3>Understanding the Thorns: Worry and Wealth</h3><p>Let’s break that down.</p><p>First, Jesus points to <i>"the cares of the world"</i>—the daily anxieties and distractions that can crowd out our trust in God. Then, He adds <i>“the deceitfulness of riches.”</i> 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.</p><p>The Bible consistently warns us about that lie:</p><ul><li><strong>Proverbs 11:28 —</strong> <i>“Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf.”</i><br /> </li><li><strong>1 Timothy 6:17 —</strong> <i>“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.”</i></li></ul><p>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.</p><p>As C.S. Lewis put it:</p><p><i>“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.”</i></p><h3>Time for a Heart Check</h3><p>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?</p><p>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?</p><p>Jesus said the seed among thorns becomes <i>“unfruitful.”</i> 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. </p><p>So, how do we respond?</p><p>Jesus points to the solution just a few verses later. In <i>Matthew 13:23</i>, He says:</p><p><i>“The good soil is the one who hears the word and understands it; he indeed bears fruit and yields.”</i></p><p>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.</p><h3>Three Practices to Cultivate “Good Soil”</h3><ol><li><strong>Prioritize Your Giving—</strong>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.<br /> </li><li><strong>Check Your Emotional Temperature—</strong>If your peace rises and falls with your financial circumstances, that’s a signal to lean into God’s Word more than your wallet.<br /> </li><li><strong>Rethink Your Financial Goals—</strong>Ask Yourself: What Am I Building? And why? Is your financial plan aligned with Kingdom purposes, or is it just chasing comfort or status?</li></ol><p>As Dallas Willard said, <i>“The main thing God gets out of your life is the person you become.” </i></p><p>That includes how you handle money. Generosity, peace, and contentment are fruits of a life rooted in Christ, not one choked out by wealth.</p><h3>What Are You Trusting In?</h3><p>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: <i>What am I trusting in?</i></p><p>Let the answer lead you back to Christ, because only in Him will your life bear lasting fruit.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I own a two-flat apartment building valued at around $650,000. We’ve received an offer and are considering buying another building listed at $640,000 in a different area. Since I’ve never sold a property before, I’d like to understand the full costs involved in selling my current one and purchasing a new one.</li><li>I recently learned that one of the index funds I invest in holds companies involved in things I don’t ethically support. As someone trying to invest according to my values, is it wrong to stay in that fund?</li><li>I have an IRA that’s set up as an annuity, but I’m not sure what the advantages are. Is there a real benefit to holding an annuity within an IRA, or would I be better off moving it into a different type of investment?</li><li>I’ve had a sealed monster box of Silver Eagle coins for a while now. Should I hold onto it, or would it be smarter to sell them and reinvest the money elsewhere?</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.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>

“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. Today, we’ll look at this story and what it reveals about the heart behind our finances, especially the warning about “the deceitfulness of riches”.

Being Rooted in Christ, Not Riches

*“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” -* Proverbs 19:17

As Christians, we’re called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? Today, Dr. David W. Jones joins us to explore the ethics of giving to homeless people and how to show compassion without causing harm.

Dr. David W. Jones is Senior Professor of Christian Ethics at [Southeastern Baptist Theological Seminary](https://www.sebts.edu/). He holds a Ph.D. in Christian Financial Ethics and is the author of *[Every Good Thing: An Introduction to the Material World and the Common Good for Christians](https://www.amazon.com/Every-Good-Thing-Introduction-Christians-ebook/dp/B01FTGMXYA/ref=sr_1_4?crid=2JXT049YHK6GJ&dib=eyJ2IjoiMSJ9.QsE8G9QAomYNyvZkAcrdKU93-YCwEbyeURS97IhSbaVsnPEnRP_FD9pKrGM3PxQSfMYp8YEiUnufP97aZwbRG04HYSVMYepKUQMkmHZ2FPro0EejODXjgHnbcPljDbhHVt_DJphIicBb-ygKTSME1GnMAmpVxDiqgRDVeweNfKGPQMxgQ9J-r0cDjnDUSgRP6_hQsctLtdXfYskHxgQMSmmXHaB1xydfGQbNCWA1nk4.HrVYikNLRm6EOYeyyc536T-ocmO6V493n4XOvvbpYeY&dib_tag=se&keywords=david+w+jones&qid=1750889127&sprefix=david+w+jones%2Caps%2C122&sr=8-4)*.


### A Biblical Call to Care for the Poor


Scripture is clear about God’s concern for the poor and His expectation that we share that concern. Jesus said, *“Give to the one who begs from you, and do not refuse the one who would borrow from you”* (Matthew 5:42). The apostle John echoed this, writing, *“If anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him?”* (1 John 3:17).

We should want to help those in need. The real question isn’t whether we help, but how.

Before we give, we should examine our hearts, because our initial reaction may often be judgmental, as we may assume that the person is lazy or addicted. But Dr. Jones calls this being “*middle class in spirit”.* Christ doesn’t call us to be *“middle class in spirit”*—He calls us to be “*poor in spirit”* (Matthew 5:3).

This shift in mindset is essential. Even if someone is unworthy of help, that’s the very reason we should want to help them. What if God waited until we deserved His grace?


### Is It Wrong to Give Cash?


That leads to the practical question: Should we give cash to someone on the street? While the act of providing cash isn't inherently wrong, it could enable harmful behavior.

Instead, it may be more beneficial to prepare in advance by carrying granola bars or other non-perishable food items. Offer something that meets a need without enabling sin. If you have the time, offer to buy them a meal instead.

This kind of planned generosity helps believers act as good stewards, offering love without ignoring potential consequences.

But what if the person uses the money responsibly? Should we just leave that up to God?

There’s a balance because we can’t know everything about someone’s situation in a brief moment, but we are still called to be wise and loving. That means doing what we can with what we know, and entrusting the rest to the Lord.


### When a Handout Becomes a Relationship


Sometimes, opportunities arise to do more than just meet an immediate need. Perhaps that involves building long-term relationships with individuals experiencing poverty or homelessness. These acts of sustained compassion often lead to deep transformation when we take the time to build a relationship with those who are struggling. 

This is an example of a *development-based model* of helping the poor, which contrasts with an *aid-based model* (like giving money or food on the spot). If a natural disaster causes poverty, aid is appropriate. However, if it’s due to systemic injustice or poor choices, long-term involvement—such as discipleship, mentoring, and support—may be necessary.


### Overwhelmed by Need? Start With What’s Near


A common question is: *Where do I even begin?* The need is everywhere.

The law of moral proximity encourages that we are most responsible for those closest to us. You may not be able to fix world hunger, but you *can* help someone in your neighborhood, church, or community.

Big problems require big solutions, but God calls us to care for what’s in front of us first.

Our goal isn’t just charity—it’s Christlike love, expressed with wisdom. When we begin by checking our hearts, planning for wise giving, and staying open to deeper relationships, we reflect God’s grace in practical ways.


### On Today’s Program, Rob Answers Listener Questions:

- I was affected by the Windfall Elimination Provision, but recently received a lump sum check related to that. They also increased my monthly benefit by $700, though taxes are being withheld. What should I know about how the lump sum will be treated?
- I’m 47 and just starting my career after being a stay-at-home mom. My new job offers a 403(b) and will match up to 3%, but only after I’ve been there a year. Should I start contributing now, or wait until the matching begins?


### Resources Mentioned:

- [Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)](https://faithfi.com/give)
- [Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. Jones](https://www.amazon.com/Every-Good-Thing-Introduction-Christians/dp/1577997018)
- [Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money](https://www.faithfi.com/shop/wisdomoverwealth)
- [Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety](https://www.faithfi.com/sparrows)
- [Rich Toward God: A Study on the Parable of the Rich Fool](https://www.faithfi.com/rtg)
- [Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)](https://www.faithfi.com/find)
- [FaithFi App](https://www.faithfi.com/manage)

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the [Moody Radio Network ](https://www.moodyradio.org/programs/faith-and-finance/)and [American Family Radio](https://afr.net/podcasts/faith-finance/). Visit our website at [FaithFi.com ](https://www.faithfi.com/)where you can join the FaithFi Community [and give ](https://www.faithfi.com/give)as we expand our outreach.

Financial Ethics Series: Should I Give Money to Homeless People? with Dr. David W. Jones

<p>What does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? </p><p>Today, we’re talking about the legacy you’ll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind.</p><p>Jan Thompson is a Certified Financial Planner (CFP®), a <a href="https://kingdomadvisors.com/">Certified Kingdom Advisor (CKA®)</a>, and the co-founder of <a href="https://onedegreeadvisors.com/">One Degree Advisors</a> with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching. </p><h3>Legacy Is More Than Money</h3><p>When people hear the word “legacy,” most think of money or assets passed down after death. But that’s only one part. Here are five interconnected aspects of legacy:</p><ol><li><strong>Financial Legacy –</strong> Assets and resources passed on to the next generation.</li><li><strong>Personal Legacy –</strong> Your character, life choices, and how you’ll be remembered.</li><li><strong>Family Legacy –</strong> The stories, traditions, and values shared through generations.</li><li><strong>Business or Ministry Legacy –</strong> The mission, culture, and influence of your work.</li><li><strong>Kingdom Legacy –</strong> The eternal impact of your life through faith, generosity, and gospel-centered living.</li></ol><p>When families neglect the non-financial elements, their wealth is often left without context, and that’s when legacies tend to fail. The legacy failure rate is alarmingly high when these pieces are missing.</p><h3>Wisdom Before Wealth</h3><p>The largest wealth transfer in history is currently underway, but statistics indicate that wealth rarely lasts beyond three generations. Why? Here are three reasons:</p><ol><li>Lack of trust and communication.</li><li>Unprepared heirs.</li><li>Absence of shared values or a clear family vision.</li></ol><p>Wealth is a valuable tool, but without wisdom and unity, it often leads to division. Psalm 78:5–7 provides a beautiful framework for legacy planning across generations:</p><p><i>“He established a testimony in Jacob… that they should teach them to their children, that the next generation might know them… so that they should set their hope in God…”</i></p><p>These verses highlight three keys to a lasting legacy: remember God’s works, share your stories, and live in obedience. Whether through blessings or mistakes, we encourage families to reflect on the ways God has been present in their journey and to discuss it openly.</p><h3>Practical Tools and Resources</h3><p>To help families start this process, you can join a weekly email list at<a href="http://somewhereonpurpose.com"> SomewhereOnPurpose.com</a> that will provide you with simple actions to take toward building a meaningful legacy.</p><p>Remember, legacy doesn’t build itself—intentional steps must be taken. And while many families delay because they don’t know where to start or feel too busy, procrastination is the “silent killer” of strong legacies.</p><p>Start today. Expose your family to serving others. Take a mission trip. Engage in a local service project. Let them see the joy of generosity firsthand.</p><h3>Become a FaithFi Partner</h3><p>Right now, more people than ever are looking for biblical wisdom to navigate their finances. When you become a <a href="https://www.faithfi.com/give">FaithFi Partner</a>, you help equip believers to trust God and steward His resources for Kingdom purposes.</p><p>As a Partner, you'll receive:</p><ul><li>Early access to <a href="https://www.faithfi.com/shop">new resources</a></li><li>A print subscription to our <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a> magazine</li><li>The Pro version of the <a href="https://www.faithfi.com/manage">FaithFi app</a></li></ul><p>Join with your gift of $35/month or $400/year at <a href="http://faithfi.com/Partner">FaithFi.com/Partner</a>.</p><p>Together, we can help more families leave a legacy that reflects their faith, not just their finances.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My aunt was a generous giver throughout her life, but she now has dementia and is in full-time care, which is becoming increasingly expensive. As her guardian, what’s the responsible way to honor her lifelong heart for generosity while also making sure her care needs are fully met?</li><li>A good Christian friend of mine is buried in debt. I’ve tried to encourage him to experience the freedom of living debt-free, but I’m running out of ways to motivate him. Any advice?</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/Your-Money-Counts-Biblical-Investing/dp/1414359497/ref=sr_1_1?crid=A3GJP9LIQITT&amp;dib=eyJ2IjoiMSJ9.mSJhGi6q9nhjV8870pj8_YEHCjFK68KI8FTIlX0IDyR5hGh7hEbT6H_gUE04fYVHptClDxeRa0lTR2l8XA9s9Fn4pWYWswVnttf3MoqxqQmmXrK2fOmEWGAkqOWZaTsZ_KhO3VgD_1pRTBTlnTjSMw.3zXc8AhIzTC8agBuiuucexeYPkIpQn_MNWvI8r82wD0&amp;dib_tag=se&amp;keywords=Howard+Dayton+your+money+counts&amp;qid=1750887000&amp;sprefix=howard+dayton+your+money+counts%2Caps%2C100&amp;sr=8-1">Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton</a></li><li><a href="http://somewhereonpurpose.com">SomewhereOnPurpose.com</a></li><li><a href="https://onedegreeadvisors.com/">One Degree Advisors</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>

What does it mean to design a family legacy with intention? And how do you make sure that legacy is rooted in faith? 

Today, we’re talking about the legacy you’ll leave behind—and how to shape it while you still can. Jan Thompson joins us to share how you and your family can ensure your faith is reflected in what you leave behind.

Jan Thompson is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and the co-founder of One Degree Advisors with over 30 years of experience in financial planning, where she specializes in purposeful financial planning, investment management, and multi-generational legacy coaching.

Building a Family Legacy That Lasts with Jan Thompson

<p><i>“The purposes of a person’s heart are deep waters, but one who has insight draws them out.” - </i>Proverbs 20:5</p><p>Today, we’re kicking off a new series on temperaments, how our God-given wiring shapes the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and how it influences our financial decisions.</p><p>Kathleen Edelman is the author of <a href="https://isaidyouheard.com/collections/all"><i>I Said This, You Heard That: How Your Wiring Colors Your Communication</i></a>. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.<br /><br />Traci Shepherd is our Red Temperament representative for this episode. </p><h3>What Are the Four Temperaments?</h3><p>For those who are new to the concept of the four temperaments, here is a helpful summary:</p><ul><li><strong>Yellow (Sanguine):</strong> Speaks the language of <i>people and fun</i> – an extroverted, people-oriented personality.</li><li><strong>Red (Choleric):</strong> Speaks the language of <i>power and control</i> – an extroverted, task-oriented personality.</li><li><strong>Blue (Melancholic):</strong> Speaks the language of <i>perfection and order</i> – an introverted, task-oriented personality.</li><li><strong>Green (Phlegmatic):</strong> Speaks the language of <i>calm and harmony</i> – an introverted, people-oriented personality.</li></ul><p>Each temperament influences how we speak, listen, behave, and manage our finances.</p><h3>The Red Temperament: Driven and Decisive</h3><p>Reds are typically goal-oriented, confident, and solution-focused. They don’t just talk about getting things done; they make it happen. In relationships, this drive often leads them to step in and take over when others hesitate. But that same strength can become a weakness if it turns into controlling behavior rather than collaborative leadership.</p><p>The Red temperament often feels the need to fix things. This framework helps them see the strength behind that impulse and offers tools to balance their drive with empathy.</p><h3>Red Temperament and Money: It's All About the Plan</h3><p>Reds tend to view money as a <i>means to</i> accomplish their goals. They prefer clarity, efficiency, and structure. But they may clash with other temperaments—for instance, a Yellow, who values fun, spontaneity, and experiences.</p><p>Rather than labeling other spending styles as wrong, having this awareness can enable more honest conversations, especially in relational tensions within areas like finances. </p><h3>Strength with Compassion: Communication Tips for Reds</h3><p>Reds bring immense value to financial decision-making. Their clarity of vision and drive for results help families and teams move forward. Reds are bullet-point, bottom-line thinkers, but that doesn’t mean they’ve ignored the details. They’re often 10 steps ahead.</p><p>To foster healthier communication, Kathleen encourages Reds to:</p><ul><li>Pause before responding</li><li>Ask questions with curiosity (“What do you think?” or “How do you feel about this?”)</li><li>Listen to understand, not just to reply</li></ul><p>These simple shifts can transform conflict into connection.</p><h3>The Emotional Needs of a Red</h3><p>Reds have core emotional needs that must be honored, especially in financial conversations:</p><ol><li><strong>Loyalty—</strong>Knowing others have their back.</li><li><strong>Sense of Control—</strong>Either having control or trusting someone else is in control.</li><li><strong>Appreciation—</strong>Being valued for their strengths.</li><li><strong>Credit for Work—</strong>Recognition for their contributions.</li></ol><p>When these needs go unmet, Reds can respond with frustration or harshness. However, when those needs are met, they become dynamic and inspiring leaders.</p><h3>What to Remember if You or Someone You Love is a Red</h3><p>Remember that your wiring is a gift. But don’t rush ahead. Bring others with you. It’s not about controlling; it’s about being prepared and feeling safe.</p><p>And for those in a relationship with a Red? Remember, they’re not trying to be harsh. They just want to know the plan.</p><h3>Want More?</h3><p>Reds are uniquely wired to be visionaries. When they lead with both confidence and compassion, transformation happens in conversations, relationships, and financial decisions.</p><p>As we continue this series on temperaments and money, we’ll explore how each personality type contributes to God-honoring stewardship. When every voice is heard, and every strength is valued, we grow not just in wisdom but in unity.</p><p>Read Kathleen’s full article on how the four temperaments shape our financial decisions in the latest edition of <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a>. Receive your copy each quarter by becoming a monthly partner at $35 a month or $400 a 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>My husband and I sold our primary home last year and are now looking to invest in multifamily real estate. I also run my business out of another property we own, which still has a $180,000 mortgage with a 3.75% interest rate. We're considering doubling our monthly payments to pay it off early. Would that be a wise financial move?</li><li>My 68-year-old friend has a whole life insurance policy with a cash surrender value of $36,000. How can that money be accessed, and what happens to the policy if it’s surrendered or discontinued?</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.isaidyouheard.study/shop">I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen Edelman</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>

“The purposes of a person’s heart are deep waters, but one who has insight draws them out.” - Proverbs 20:5

Today, we’re launching a new series on temperaments, exploring how our God-given wiring influences the way we communicate, relate to others, and make financial decisions. Kathleen Edelman and Traci Shepherd join us to explore the Red temperament and its influence on our financial decisions.

Kathleen Edelman is the author of I Said This, You Heard That: How Your Wiring Colors Your Communication. She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication. 

Traci Shepherd is our Red Temperament representative for this episode.

The Red Temperament with Kathleen Edelman and Traci Shepherd

<p><i>“Everyone also to whom God has given wealth and possessions and the power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.”</i>  - Ecclesiastes 5:19</p><p>What if true joy doesn’t come from gaining more, but from gratefully receiving what God has already provided? Today, John Cortines joins us to explore what he calls the Cycle of Grateful Living—and how it transforms our approach to money and contentment.</p><p>John Cortines is the Director of Grantmaking at <a href="https://maclellan.net/">The Maclellan Foundation</a>. He is the author of our new study on the book of Ecclesiastes, <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</i></a>, as well as the co-author of <a href="https://www.amazon.com/God-Money-Discovered-Business-Paperback/dp/1628624736/ref=sr_1_2?crid=20HSPRAN1N9PR&amp;dib=eyJ2IjoiMSJ9.FN5j-yaLv-rwx60vzsEv6M3UQrF1qJSPETZDq_wICv9SFlTCbPmCrYdYpP7V8axsMUH9zHUxwnIPzwq0pgWx-Qm3XiZRkHu5EYrefEgx8HBS5rqsrysK3o1UBcHi7385.n54XZFhRA_iQHqy1VLwFL1Qzgo5OcNoF7v19fHuJnVk&amp;dib_tag=se&amp;keywords=john+cortines&amp;qid=1739573792&amp;sprefix=john+cortine%2Caps%2C110&amp;sr=8-2"><i>God and Money: How We Discovered True Riches at Harvard Business School</i></a> and <a href="https://www.amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/ref=sr_1_1?crid=20HSPRAN1N9PR&amp;dib=eyJ2IjoiMSJ9.FN5j-yaLv-rwx60vzsEv6M3UQrF1qJSPETZDq_wICv9SFlTCbPmCrYdYpP7V8axsMUH9zHUxwnIPzwq0pgWx-Qm3XiZRkHu5EYrefEgx8HBS5rqsrysK3o1UBcHi7385.n54XZFhRA_iQHqy1VLwFL1Qzgo5OcNoF7v19fHuJnVk&amp;dib_tag=se&amp;keywords=john+cortines&amp;qid=1739573779&amp;sprefix=john+cortine%2Caps%2C110&amp;sr=8-1"><i>True Riches: What Jesus Really Said About Money and Your Heart</i></a>.</p><h3>The Heart of Ecclesiastes: Joy as a Gift</h3><p>Ecclesiastes 5:18–20 forms the foundation of our new <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a> study:</p><p><i>“It is good and fitting to eat and drink and find enjoyment in all the toil... this is God’s gift to man... God keeps him occupied with joy in his heart.”</i> - Ecclesiastes 5:18–20</p><p>These verses, nestled within the longest section on money in the book, offer a radical invitation: rather than striving for more, we’re called to enjoy what we’ve already received. Even the ability to enjoy life’s blessings is a divine gift.</p><h3>Introducing the Cycle of Grateful Living: E.A.T.</h3><p>To help us live out this vision, here’s a simple acronym from Ecclesiastes 5:19: E.A.T.—Enjoy, Accept, Toil.</p><ol><li><strong>Enjoy God’s Provision</strong><br /><br />Everything we have—our wealth, relationships, health, and even the capacity to enjoy them—is a gift from God. Acknowledging this turns entitlement into gratitude and replaces striving with trust.<br /> </li><li><strong>Accept Life’s Brevity</strong><br /><br />Ecclesiastes frequently reflects on death, not to breed fear, but to awaken us to the preciousness of life. Acceptance of our limits and mortality grants deeper purpose and contentment in the present moment.<br /> </li><li><strong>Toil with Joy</strong><br /><br />Work is not something to escape from. Ecclesiastes calls us to rejoice in our toil. True fulfillment isn’t found in early retirement or unending leisure, but in the meaningful work God places before us.</li></ol><h3>What Gets in the Way?</h3><p>Gratitude can often feel elusive in the routines of everyday life. Often, we slip into discontent when we:</p><ul><li>Take God’s provision for granted</li><li>Ignore life’s brevity and live mindlessly</li><li>Complain about work instead of finding purpose in it</li></ul><p>The world’s promises—especially those of financial independence or early retirement (FIRE)—can become mirages. We’ve probably all been there, dreaming that if we work hard and save enough, we will someday be free. But that vision of life can be so hollow because the human condition is to be oriented to purpose, to work. Even if you're retired, it's not so you can sit on a beach for 20 years.</p><p>We were made to participate in God’s creative, redemptive work. That’s why embracing our toil with joy brings far more satisfaction than escaping it.</p><h3>Wealth Without Joy: A Modern Paradox</h3><p>While many of us live more comfortably than royalty of past centuries—with cars, clean water, air conditioning, and vacations—anxiety and discontent remain widespread.</p><p>Billionaires are often no happier than the rest of us. Without a grateful heart, even abundance can feel empty.</p><p>The Cycle of Grateful Living isn’t just about how much we have—it’s about how we relate to what we have. It teaches us to stop chasing wealth and start engaging with it through the lens of joy, acceptance, and purpose.</p><h3>From Ecclesiastes to Jesus: A Unified Message</h3><p>Jesus echoes the wisdom of Ecclesiastes in Luke 12. He reminds us of the birds and flowers—simple creatures that don’t worry, yet are lovingly provided for by God.</p><p><i>“Consider the lilies, how they grow... If God so clothes the grass... how much more will he clothe you, O you of little faith!”</i> - Luke 12:27–28</p><p>James 1:10–11 also makes a similar connection where riches are likened to wildflowers—beautiful for a moment, but quickly fading. The message is clear: our time is brief, but God is faithful.</p><p>So, how should we respond? By living present to God’s provision, content in our limitations, and faithful in our work.</p><p>Ecclesiastes 5:20 offers a powerful conclusion:</p><p><i>“He will not much remember the days of his life, because God keeps him occupied with joy in his heart.”</i></p><p>What does this look like practically? It’s about <i>presence</i>. A life that’s not dominated by worry or comparison, but one that’s centered on Jesus. It’s a heart too full of gratitude to be caught up in regret.</p><p>Invite Jesus Christ into this moment. Ask for help to enjoy what He’s provided, to accept this season, and to do today’s work with joy.</p><p>Every generation has had its turn. Ours is now. The call of Ecclesiastes is to live wisely in the present, not with frantic striving, but with deep joy, humble acceptance, and faithful effort.</p><p>We’re like the birds and flowers. Here for a precious moment, sustained by the generous hand of God. Let’s embrace the Cycle of Grateful Living.</p><h3>Want to Go Deeper?</h3><p>If you’re ready to experience joy in the everyday and live a grateful life rooted in God’s wisdom, check out <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a>, written by John Cortines. </p><p>This month, when you give a gift of $35 or more, we’ll send you a copy as our way of saying thank you for supporting this ministry. Visit<a href="https://www.faithfi.com/wisdom"> FaithFi.com/wisdom</a> to learn more.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m retired and own my home, but I’m facing some financial trouble. A lien was just placed on my house, and I’m worried I might lose it. I also have more than $3,000 in credit card debt, and I’m unsure of the following steps to take.</li><li>I was recently at the bank and they offered me a HELOC, even though I don’t really need one. They ran a hard credit check, and I noticed the credit score they showed was over 20 points lower than what I had seen on my own report. Why is there such a big difference?</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.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>

“Everyone also to whom God has given wealth and possessions and the power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.”  - Ecclesiastes 5:19

What if true joy doesn’t come from gaining more, but from gratefully receiving what God has already provided? Today, John Cortines joins us to explore what he calls the Cycle of Grateful Living—and how it transforms our approach to money and contentment.

John Cortines is the Director of Grantmaking at The Maclellan Foundation. He is the author of our new study on the book of Ecclesiastes, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money, as well as the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.

The Cycle of Grateful Living with John Cortines

<p><i>“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” - </i>Luke 16:11</p><p>What if managing money is about more than just numbers and budgets—what if it’s a window into something eternal? Afton Phillips joins us today as we explore the mission behind the message you hear every day on this program, and how you can be a part of it.</p><p>Afton Phillips is the Head of Content at <a href="https://www.faithfi.com/">FaithFi: Faith & Finance</a>. </p><h3>The Heart Behind the Mission</h3><p>So why focus so much on finances?</p><p>Because how we handle money reveals what we treasure most. At <a href="https://www.faithfi.com/">FaithFi</a>, we want to help people experience freedom, peace, and generosity—not just from better budgeting, but from surrendering their hearts to God.</p><p>It’s a message that resonates with people in all seasons of life. Whether you feel boxed in by a budget or anxious about a financial decision, each of those moments is an invitation to reflect on your heart and trust in Christ. We are already living in abundance with the love of Christ.</p><h3>The Common Struggles We All Face</h3><p>Here are the three biggest challenges that Christians often face when it comes to faithful money management:</p><ol><li><strong>Trust vs. Security–</strong>It's easy to place our hope in financial stability rather than in God.</li><li><strong>Comfort vs. Generosity–</strong>Culture tells us to accumulate, but God calls us to live open-handedly.</li><li><strong>Identity vs. Worth–</strong>We’re constantly tempted to measure our value by our bank accounts rather than who we are in Christ.</li></ol><p>That’s why the resources we offer—from our studies to our podcast—aren’t just about financial literacy. They’re about spiritual formation. The concepts we talk about are an intentional reset. They help us move away from the emptiness of accumulation and toward peace that’s rooted in Christ.</p><h3>Why Ecclesiastes Still Speaks Today</h3><p>FaithFi’s newest Bible study, <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a>, takes readers through the book of Ecclesiastes. This book speaks directly to our modern struggles with meaning, anxiety, and financial pressure.</p><p>There may not be another book in the Bible that talks about death more, so it really forces you to ask: What really matters? When you realize how short life is, you start to live more intentionally, and that includes how you manage your finances.</p><p>Rather than treating money as ultimate, Ecclesiastes helps us see it as a gift. Something to be enjoyed, yes—but also stewarded wisely under God’s authority.</p><h3>FaithFi’s Tools for the Journey</h3><p>If you’re new to <a href="https://www.faithfi.com/">FaithFi</a>, here’s a quick look at the resources we offer to help believers apply biblical wisdom to their financial lives every day:</p><ul><li><a href="https://www.faithfi.com/show">Radio + Podcast:</a> Our daily conversations bring timeless biblical wisdom into your financial life.</li><li><a href="https://www.faithfi.com/manage">FaithFi App:</a> A free, easy-to-use budgeting tool that helps you align your spending with eternal values—and includes a community of other believers on the same journey.</li><li><a href="https://www.faithfi.com/content">High-Quality Articles and Content:</a> Each week, we share insightful content from leading voices in Christian finance, designed to help you connect your faith with everyday financial decisions.</li><li><a href="https://www.faithfi.com/shop">Bible Studies + Devotionals:</a> Deep dives into Scripture that explore God’s heart for money and stewardship.</li><li><a href="https://www.faithfi.com/give">Faithful Steward Magazine:</a> A beautifully designed quarterly publication filled with quick reads, practical tips, and theological insights.</li></ul><h3>How You Can Support the Mission</h3><p>As we approach the end of our fiscal year (June 30), <a href="https://www.faithfi.com/">FaithFi</a> is inviting listeners to join our mission by becoming a <a href="https://www.faithfi.com/give">FaithFi Partner</a>.</p><p>Here’s what your partnership makes possible:</p><ul><li>Continued production of biblical, practical resources like this <a href="https://www.faithfi.com/show">radio program</a>.</li><li>Expansion of studies and devotionals that transform lives.</li><li>Investment in tools like the FaithFi app that meet people where they are.</li></ul><p>A monthly gift of $35 or an annual gift of $400 qualifies you for our <a href="https://www.faithfi.com/give">FaithFi Partner Program</a>. That means you'll receive:</p><ul><li>Two <a href="https://www.faithfi.com/shop">studies or devotionals</a> each year</li><li>The <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a> magazine, each quarter</li><li>Pro access to the <a href="https://www.faithfi.com/manage">FaithFi app</a></li><li>Ministry updates and a sense of shared purpose in Kingdom work</li></ul><p>We know this message has the power to change lives because we’ve seen it. When Christians align their hearts with God’s design for money, they can have a global impact.</p><p>We’re incredibly grateful for those who make this ministry possible. If you’d like to become one of the 50 new partners we’re praying for this month, visit<a href="https://faithfi.com/give"> FaithFi.com/give</a> today. Let’s help more people see God as their ultimate treasure.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>Besides the annual percentage rate, what other factors should I compare when shopping for a mortgage? Additionally, is there a typical range for origination fees and closing costs?</li><li>My husband and I are struggling to tithe because we disagree with how our church is spending the money. We feel like we're the only ones concerned, and it’s hard to give when we believe the funds could be used more wisely. Are we in the wrong for feeling this way? Should we continue tithing anyway?</li><li>I contributed to a traditional IRA, thinking it was a wise move, but now that I’m retired, I’m in a higher tax bracket than when I earned the income. Are there any strategies to reduce the tax burden in this situation?</li><li>I want to help my child purchase their first home. Would it be more cost-effective to cosign on their mortgage, or take out a home equity loan myself and pay off the mortgage directly while they repay me? I’m trying to minimize closing costs and fees.</li><li>I’ve been hearing more about deed fraud lately. What steps can homeowners take to protect their property from being targeted?</li><li>Someone told me I might be eligible to collect Social Security based on my husband’s record. Is that true, and how does it work?</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.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>

“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” - Luke 16:11

What if managing money is about more than just numbers and budgets—what if it’s a window into something eternal? Afton Phillips joins us today as we explore the mission behind the message you hear every day on this program, and how you can be a part of it.

Afton Phillips is the Head of Content at FaithFi: Faith & Finance.

Making an Intentional Impact with God's Money with Afton Phillips

<p><i>“Then I saw that all toil and all skill in work come from a man’s envy of his neighbor. This also is vanity and a striving after wind.”</i> — Ecclesiastes 4:4</p><p>Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we’ll look at how chasing approval leaves us empty—and how God invites us into something much greater.</p><h3>The Idol of Status</h3><p><a href="https://bibleproject.com/guides/book-of-ecclesiastes/">The Bible Project</a> says <i>Ecclesiastes</i> <i>“targets all the ways we try to build meaning and purpose in life apart from God.”</i> It gives voice to the Preacher, who carefully exposes the emptiness of paths like pleasure, wealth, and status. In recent weeks, we’ve looked at the idols of pleasure and accumulation. Today, we turn to the idol of status.</p><p>This one can be harder to spot. The line between excellence and envy is thin. Ecclesiastes 4:4 says, <i>“Then I saw that all toil and all skill in work come from a man’s envy of his neighbor.”</i> That’s a striking thought. Our motivation may not be love of the work or calling—it’s often the quiet urge to compete. To keep up. To be seen.</p><p>That’s what status does. It whispers, <i>You’re not enough—unless others notice you.</i> And without realizing it, our careers, spending, and even our generosity, can become ways of proving our worth.</p><p>“Keeping up with the Joneses” isn’t just a saying—it’s a way of life for many. We compare houses, vacations, schools, and the pressure to match others can lead to debt, burnout, and dissatisfaction with what God has already provided.</p><p>And in our digital age, the pressure’s amplified. Social media showcases only the highlight reel, not the debt, exhaustion, or stress that often accompany it. But we still scroll and wonder, <i>“Why not me?”</i></p><h3>A Better Way Forward</h3><p>Ecclesiastes answers that longing with honesty. In verse 8, the Preacher describes someone who works tirelessly, builds wealth, but has no one to share it with: <i>“There is no end to all his toil, and his eyes are never satisfied with riches…”</i> It’s a picture of success without joy. Activity without peace. A full schedule, but an empty soul.</p><p>However, he then offers a better alternative. In verse 6, we read: <i>“Better is a handful of quietness than two hands full of toil and a striving after wind.”</i> In other words, it’s better to have less with peace than more with anxiety. That’s not laziness—it’s wisdom. A life lived with margin, grounded in God’s provision.</p><h3>Work as Worship, Not Performance</h3><p>This is the invitation Ecclesiastes extends: not to give up on excellence, but to anchor it in the right place. When our work flows from a love for God and a desire to serve others, it becomes a blessing, not a burden. It becomes worship.</p><p>We don’t need applause—we need peace. And in Christ, we already have it. His approval is not based on performance. It’s based on grace. That frees us from striving to be seen and lets us rest in being known.</p><p>Maybe that’s where you are—tired, overextended, wondering what you’re chasing. Ecclesiastes invites you to step off the treadmill of comparison. You don’t have to strive for identity. You already have it in Jesus.</p><p>We often see examples of this. A professional sacrifices evenings and weekends to climb the corporate ladder, only to feel lonely at the top. A family maxes out their budget to project an image, while tension quietly builds at home. These aren’t just stories—they’re warnings. And they echo Ecclesiastes’ caution about what we’re trading in our pursuit of more.</p><p>Sometimes this isn’t just about envy. It’s about fear—fear of being unseen, of being left behind. So we push harder, hoping success will quiet that fear. But only God can give the peace we’re looking for.</p><h3>Redefining Success</h3><p>Contentment doesn’t mean quitting. It means redefining success. It means anchoring your worth in something that lasts. When you stop striving in vain, your ambition gets reoriented. Your work becomes more joyful. Your giving becomes more meaningful.</p><p>So ask yourself today: <i>Who am I trying to impress? What am I really chasing?</i></p><p>If your hands are full but your heart is empty, Ecclesiastes invites you to trade performance for peace. True success isn’t about being noticed or admired—it’s about being faithful with what God has given you. And your worth? It’s not something you have to earn or achieve. In Christ, you have nothing to prove because in Him, you are deeply loved, fully known, and eternally valued.</p><h3>Want to Go Deeper?</h3><p>If you want to dig deeper into these themes, we’ve created a new study just for you. It’s called <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a>, and it explores what Scripture—especially the book of Ecclesiastes—has to say about money, work, and living for what really matters.</p><p>This month, when you give $35 or more to support the ministry, we’ll send it to you as our thanks. Just visit<a href="https://www.faithfi.com/wisdom"> FaithFi.com/wisdom</a> to request your copy.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>A few commercial solar companies have approached us about leasing part of our land for a solar farm. We’ve got around 40 acres of farmland. I’m trying to understand what pitfalls or risks we should be aware of before moving forward.</li><li>I recently left my job as a teacher because I felt the Lord calling me to go to seminary. I have about $35,000 in a retirement fund from my teaching years. Should I leave it where it is, or should I use it to pay off my car and some credit card debt?</li><li>I have a Medicaid-related question. A family member of mine has a terminal illness and needs more care than we can provide. She doesn’t have any assets, and we’re hoping to get her on Medicaid. If she’s approved, who would be responsible for the medical bills?</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.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>

“Then I saw that all toil and all skill in work come from a man’s envy of his neighbor. This also is vanity and a striving after wind.” — Ecclesiastes 4:4

Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we’ll look at how chasing approval leaves us empty—and how God invites us into something much greater.

Wisdom Over Wealth: Idolizing Status

<p>A crypto enthusiast once wrote on Reddit, <i>“Bitcoin is like winning the lottery in slow motion.” </i></p><p>That might be a stretch, but one thing’s clear: Bitcoin and other cryptocurrencies aren’t going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions.</p><p>Mark Biller is Executive Editor and Senior Portfolio Manager at <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1295850508872026842&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEsHAC68E5srAAAA">Sound Mind Investing</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>.</p><h3>Two Big Takeaways for Crypto Investors</h3><p>Here are two key insights to help investors make sense of today’s crypto market:</p><ol><li><strong>Bitcoin Stands Apart –</strong> It’s critical to understand that Bitcoin is not like the rest of the crypto world. It has emerged as a unique and dominant force, with widespread adoption, while other cryptocurrencies remain highly speculative.<br /> </li><li><strong>Bitcoin Has Reached Critical Mass –</strong> Thanks to regulatory shifts and institutional adoption, Bitcoin seems to be here to stay. In just a few years, we've gone from government hostility toward crypto to SEC-approved Bitcoin ETFs and even a pro-crypto administration in the White House.</li></ol><p>Bitcoin was the original cryptocurrency, launched in 2008, and today it represents about 60% of the entire crypto market. It’s gained institutional interest and widespread regulatory acceptance. By contrast, the remaining 40% of the crypto universe is fragmented, filled with thousands of projects, many of which will not survive.</p><p>Think of most other cryptos not as currencies but as startup tech ventures. That helps frame their high risk and their potential for failure. Bitcoin, meanwhile, has arrived. The rest? They’re still trying to prove themselves.</p><h3>Bitcoin as an Investment: What’s Changed?</h3><p>Many early Bitcoin advocates hoped it would serve as a usable currency outside of traditional financial systems. But that vision has mostly faded. Today, most investors treat Bitcoin like <i>digital gold</i>—a store of value designed to hedge against inflation and the devaluation of fiat currencies.</p><p>It’s volatile, yes. But its built-in scarcity (only 21 million bitcoins will ever exist) appeals to those who fear government overreach or reckless monetary policy. Bitcoin’s not just for tech enthusiasts anymore—it’s becoming a strategic asset for serious investors.</p><p>Generational preferences also shape Bitcoin’s rise. Younger investors, raised in a digital world of apps and virtual marketplaces, are far more comfortable with digital assets. What gold has long been to older generations, Bitcoin is becoming to younger ones: a hedge against inflation and a symbol of financial independence.</p><p>In fact, Bitcoin’s correlation with gold has grown significantly in recent years, signaling that institutions are viewing it in similar terms.</p><h3>Institutions and Even Nations Are Paying Attention</h3><p>It’s not just individuals diving into Bitcoin. Global events—especially the 2022 freezing of Russian reserve assets—have prompted many nations to reassess their reliance on U.S. Treasury bonds. The result? A surge in gold buying by central banks, and increasing openness to alternatives like Bitcoin among private investors.</p><p>While governments aren’t yet buying Bitcoin, there’s reasonable evidence to suggest that gold investors are starting to “skate to where the puck is going,” diversifying small portions of their portfolios into Bitcoin as a forward-looking strategy.</p><p>With that being said, should we be concerned about the global shift away from U.S. treasuries?</p><p>Not immediately. While a shift away from U.S. Treasuries could eventually raise interest rates and borrowing costs, the dollar still holds dominant status in global transactions. But it's a trend worth watching. It’s a slow-motion problem—more of a simmer than a flashpoint.</p><h3>So…Should You Invest in Bitcoin?</h3><p>It depends. Investors with a strong risk tolerance and a positive outlook on gold might allocate a small portion (less than 5%) of their portfolio to Bitcoin or Bitcoin ETF's. The key is position sizing—keeping it small due to Bitcoin’s extreme volatility.</p><p>However, we want to be crystal clear: this only applies to Bitcoin, not to the rest of the crypto space, which still carries a high risk of going to zero.</p><p>If you're curious to explore more, check out the full article, <a href="https://soundmindinvesting.com/articles/bitcoin-and-crypto-go-mainstream-what-you-need-to-know"><i>Bitcoin (& Crypto) Go Mainstream: What You Need To Know</i></a>, at<a href="https://soundmindinvesting.org"> SoundMindInvesting.org</a>. The SMI team also offers a Bitcoin-inclusive ETF for those looking to dip a toe into this asset class as part of a broader, biblically informed strategy.</p><p>At the end of the day, financial stewardship isn’t about chasing trends—it’s about making wise, measured decisions rooted in truth. And with the right knowledge, even complex topics like crypto can be approached with confidence.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I currently have about $1 million in an active 401(k) with a major financial institution. I’d like to transfer those existing funds to another custodian, where I can earn a guaranteed interest rate. However, I also want to continue contributing to my current 401(k) through my employer, taking on more investment risk with those new contributions. Is that possible?</li><li>My husband and I live with my father-in-law, and the house needs some repairs. He’s offered to loan us the money from his retirement account to cover the costs, but he’s asking us to help pay the taxes he would owe on the distribution. Is that a wise arrangement?</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://soundmindinvesting.com/articles/bitcoin-and-crypto-go-mainstream-what-you-need-to-know">Bitcoin (& Crypto) Go Mainstream: What You Need To Know by Mark Biller (Sound Mind Investing Article)</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>

A crypto enthusiast once wrote on Reddit, “Bitcoin is like winning the lottery in slow motion.” 

That might be a stretch, but one thing’s clear: Bitcoin and other cryptocurrencies aren’t going anywhere. Today, Mark Biller joins us to unpack how crypto is moving into the mainstream and what that means for investors trying to make wise decisions.

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

Are Bitcoin & Crypto Now Mainstream? with Mark Biller

<p><i>“For everything there is a season, and a time for every matter under heaven…”</i> – Ecclesiastes 3:1</p><p>God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it’s not only okay to adjust your financial finish line—it’s often the wise and faithful thing to do.</p><p>Cody Hobelmann is a Certified Financial Professional (CFP®), a <a href="https://kingdomadvisors.com/">Certified Kingdom Advisor (CKA®)</a>, and a Wealth Advisor at <a href="https://www.wealthsq.com/">Wealth Squared</a>. He and his brother, Kealan, founded the <a href="https://www.finishlinepledge.com/">Finish Line Pledge</a> and also co-host the <a href="https://www.finishlinepledge.com/podcast/">Finish Line Podcast</a>, where they discuss the intersection of faith, generosity, and personal finance.</p><h3>What Is a Financial Finish Line?</h3><p>A financial finish line is simply an answer to the question, <i>How much is enough?</i> It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God’s Kingdom.</p><p>There are two kinds of finish lines:</p><ul><li><strong>Lifestyle (or Spending) Finish Line –</strong> The amount needed to fund your personal lifestyle.</li><li><strong>Accumulation (or Net Worth) Finish Line –</strong> The total assets needed to sustain that lifestyle for the rest of your life.</li></ul><p>These lines aren’t rigid—they’re tools to help us hold God’s money with open hands, growing in both contentment and generosity.</p><p>However, there’s often a lot of pressure to get it exactly right, but what matters more is having a starting point. You’ll grow and refine it as your life and faith journey progress.</p><p>We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health.</p><h3>The Four Buckets of Money</h3><p>To help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”:</p><ol><li><strong>Personal Spending –</strong> Covering day-to-day lifestyle costs.</li><li><strong>Future Planning –</strong> Savings and investments for future needs.</li><li><strong>Taxes –</strong> Obligations to the government.</li><li><strong>Kingdom Giving –</strong> Resources designated for generosity.</li></ol><p>A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes.</p><h3>The Net Worth Finish Line: How Much Is Enough to Save?</h3><p>A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities.</p><p>To set a net worth finish line, Cody walks clients through three core considerations:</p><ul><li><strong>Lifestyle Needs –</strong> How much do you need each year?</li><li><strong>Wealth Transfer Goals –</strong> What will you leave to heirs or ministries?</li><li><strong>Conservative Margin –</strong> A buffer for life’s unknowns—but not a replacement for trust in God.</li></ul><h3>What Happens When You Cross the Finish Line?</h3><p>If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question:</p><p>“Why am I holding on to these resources in the first place?”</p><p>God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling.</p><p>Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our <i>standard of giving.</i></p><p>Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn.</p><p>That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose.</p><h3>A Finish Line That Leads to Worship</h3><p>We also should remember that at the end of the day, it’s not just about money—it’s about worship. 2 Corinthians 9:8 reminds us:<br /><br /><i>“And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”</i></p><p>To set a financial finish line, we must first recognize that everything belongs to God. It’s not about figuring out how much of our money to give to Him—it’s about learning to steward <i>His</i> money faithfully.</p><p>Your finish line isn’t a limit—it’s an invitation to freedom, joy, and a deeper life of generosity.</p><h3>Want to Learn More?</h3><p>Ready to take the next step? Visit<a href="https://www.finishlinepledge.com"> FinishLinePledge.com</a> to access helpful tools, real-life stories, and free resources that will guide you in defining what “enough” looks like in your financial journey.</p><p>You can also read Cody’s full article, <i>“A Spending Finish Line Is Just the Beginning,”</i> in the latest issue of <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a> magazine. To receive the magazine at your doorstep each quarter, become a <a href="https://www.faithfi.com/give">FaithFi Partner</a> with a monthly gift of $35 or an annual gift of $400. Learn more at <a href="http://faithfi.com/Give">FaithFi.com/Give</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My father-in-law passed away in March. Next week, we have an appointment with Social Security, and we want to ensure we come prepared, along with my mother-in-law, who will turn 65 next year. She wants to take over his Social Security.</li><li>I heard about a government program that allows you to consolidate your credit card debt and repay it with no interest, but I’m not sure how to access it. My debt is about $25,000.</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.finishlinepledge.com/">The Finish Line Pledge</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.amazon.com/Wise-Women-Managing-Money-Budgeting/dp/0802424260">Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. </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>

“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1

God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it’s not only okay to adjust your financial finish line—it’s often the wise and faithful thing to do.

Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.

Should You Change Your Financial Finish Line? with Cody Hobelmann

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