<p><i>“The Lord is good to those who wait for him, to the soul who seeks him.” - </i>Lamentations 3:25</p><p>We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope.</p><p>Sharon Epps is the President of <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>, <a href="https://www.faithfi.com/">FaithFi</a>’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.</p><h3>When Life Doesn’t Go According to Plan</h3><p>Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair.</p><p>In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us.</p><p>When our expectations are shattered, our reactions often fall into two extremes:</p><ul><li><strong>Resignation:</strong> We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether.</li><li><strong>Control:</strong> We force outcomes, striving and manipulating circumstances to regain a sense of stability.</li></ul><p>Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind.</p><p>Psalm 27:14 says, <i>“Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!”</i> Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, <i>“The work God wants to do in us while we wait is as important as what we are waiting for.”</i></p><p>Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way.</p><h3>Practical Steps for Seasons of Waiting</h3><p>Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting:</p><ol><li><strong>Acknowledge God is at work</strong> – Even if you can’t see it. Habakkuk 1:5 reminds us, <i>“I am doing a work in your days that you would not believe if told.”</i><br /> </li><li><strong>Change your perspective</strong> – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint.<br /> </li><li><strong>Worship in the waiting</strong> – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances.</li></ol><p>For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand.</p><p>And that’s not just a consolation—it’s a promise.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people?</li><li>I heard that disability and SSI are going to increase their monthly payments. Is this true?</li><li>I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

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

“The Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25

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

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

Finding Hope in Seasons of Missed Expectations with Sharon Epps

<p>The Bible contains more than 2,300 verses related to money and possessions—a staggering number. But it’s not because money is the most important topic. Rather, it’s because money is one of the most accurate indicators of what’s going on in our hearts.</p><p>If you explore this subject, you’ll find stats like “1 out of every 7 verses in which Jesus speaks involves money,” or “11 of His 39 parables are about money.” While I’m not sure if those stats are accurate, it is true that Jesus mentions money a lot. However, His teaching is rarely about money itself. It’s always about something bigger, looming in the background.</p><p>Money isn’t just a resource; it’s a reflection. It reveals our priorities, fears, hopes, and values. Whether we live paycheck to paycheck or have significant wealth, we all wrestle with what money means to us. That’s why Jesus said in Matthew 6:21, <i>“For where your treasure is, there your heart will be also.”</i></p><p>From personal stress to relationship breakdowns, money often acts like a magnifying glass. It brings underlying values to the surface. For example, in marriage, financial tension is often less about dollar amounts and more about differences in values, such as security versus spontaneity, generosity versus comfort, and planning versus pleasure.</p><h3>Every Financial Decision Is a Spiritual One</h3><p>Even small spending decisions carry spiritual weight. That morning latte? Those new shoes? They may seem trivial, but they reflect priorities. Matthew 6:24 reminds us that <i>“no one can serve two masters…you cannot serve God and money.”</i></p><p>This doesn’t mean we can’t enjoy God’s provision. In fact, Ecclesiastes 3:12–13 says, <i>“There is nothing better…than to be joyful and to do good…also that everyone should eat and drink and take pleasure in all his toil—this is God’s gift.”</i> However, that enjoyment must be balanced with the bigger picture: Are our financial decisions aligned with God’s heart?</p><p>In marriages and relationships, conflicting values around money are common, and they’re not necessarily wrong. One spouse may dream of traveling to create family memories, while the other may want to boost their retirement savings. Both can honor God. The key is discovering common ground and inviting God into the conversation.</p><p>Howard Dayton, the previous host of this program, used to say, <i>“It’s hard to quarrel when you’re praying together.”</i> Prayer aligns our hearts before we try to align our plans. Through honest conversations and mutual respect, differences can become opportunities for growth rather than division.</p><p>If money disagreements persist, don’t hesitate to bring in wise, biblical counsel. A financial advisor—especially a <a href="https://www.faithfi.com/find">Certified Kingdom Advisor®</a>—can help couples or individuals uncover shared goals and develop a plan that honors God and promotes unity.</p><h3>The Bottom Line: God Wants Your Heart</h3><p>Whether you’re facing a tough decision or navigating financial tension in your home, remember: it’s not ultimately about the money. God is after your heart. And when your heart is surrendered to Him, your financial decisions will reflect that trust.</p><p>So whatever you’re facing today, don’t walk through it alone. Pray. Talk. Seek wisdom. And above all, treasure Christ above all else. When He has your heart, everything else—including your finances—will follow.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a credit card with a $9,300 balance and would like to know how to pay it off quickly while minimizing high-interest charges.</li><li>I have an annuity and IRAs with Edward Jones that I'm unhappy with due to low performance and high fees. I'm considering moving my investments to Schwab or another financial institution and want advice on how to manage my approximately $500,000 in investable assets.</li><li>I currently have two certificates of deposit and would like to know if I should liquidate them and open an IRA instead.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

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

It’s Not About The Money

<p>Summer’s not that far off, and the kids are already thinking “vacation.” Will you be ready for it?</p><p>How can you make great family memories without breaking the budget? That’s always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.</p><p>Crystal Paine is the founder of <a href="http://moneysavingmom.com/">MoneySavingMom.com</a> and the author of <a href="https://www.amazon.com/Money-Saving-Moms-Budget-Streamline/dp/1451646208/ref=sr_1_3?crid=TSZW98LOMH1P&amp;dib=eyJ2IjoiMSJ9.2AV3tMSyu_1QR8suuUkReHWsATq9upu_b2D3J_iOYLcapQB1w1NDHwCCUXHylzCuD8qN2i_h7QxxXeHhMe4DjUqvts09d5-UvbxDFijUmghiaFzJZMIyF4QueuZSyYi7lnZZDAX1WKeBoqqX9ul7f2oScKwSO_5LESN-2jcApb7yY0eLfkS_O87DzTpkrKxnAgaK9mdI3ZqsyhyFk2m3ZIGVswqBb4GlfF0fODCl7IdfQcqJuA0ZTnS__F_ppL_h3FpnF6szuVsBmZKcnLXFlwE5G1YUnHKoSvzevMoFowU.gCpz3IpU47TiZe4Yephuf2phdXx56BXMCUDz_MsPGG4&amp;dib_tag=se&amp;keywords=crystal+paine&amp;qid=1744811699&amp;sprefix=crystal+paine%2Caps%2C141&amp;sr=8-3"><i>The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year</i></a><i>. </i></p><h3>How to Take a Great Family Vacation Without Breaking the Bank</h3><p>Planning a family vacation is one of life’s great joys—and, if you’re not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret.</p><h3>1. Start with a Plan—and Start Early</h3><p>Plan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like <a href="https://www.google.com/travel/flights">Google Flights</a> to find the best travel deals.</p><p>Google Flights lets you enter your preferred dates and search <i>anywhere</i> for the lowest fares. It’s a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it’s staying near the beach, and you're willing to save by eating in.</p><h3>2. Look for Free Activities</h3><p>You’d be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories.</p><h3>3. Get the Whole Family Involved</h3><p>Vacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they’re not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip.</p><p>This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun.</p><h3>4. Be Strategic About Meals</h3><p>Eating out can quickly blow your vacation budget. Instead, be intentional. That’s why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home.</p><p>Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It’s way cheaper than dining out every meal.</p><p>Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost.</p><h3>5. Set a Daily Spending Limit</h3><p>One final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun?</p><p>This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort.</p><p>Remember that the best vacation is the one you come home from <i>without</i> credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable.</p><p>Want more money-saving tips from Crystal? Visit<a href="https://www.moneysavingmom.com"> MoneySavingMom.com</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I just set up a new bank account, and they recommended using a debit card to pay bills. But I've always used my credit card and think it's more secure. What's your advice on using a debit versus a credit card for monthly bills?</li><li>I have a 401(k) and want to invest more deeply in stocks. I know the stock market is dropping, but I remember when it fell much more. I'm confident about our economy and in God. I'd like to invest about 30% in stocks, but I'm wondering if I'm getting in too soon, or should I wait for the market to go lower?</li><li>I have a question about annuities. We talked to someone about an annuity that's locked into some kind of care, like long-term care insurance. We're in our early 60s, and I'm wondering if it's too late and if this is a good idea.</li><li>I have a money market account into which my wife's paycheck goes, and we pay our mortgage. Is this a safe place for our emergency fund, or is there a better option?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="http://moneysavingmom.com">MoneySavingMom.com</a></li><li><a href="https://www.google.com/travel/flights">Google Flights</a></li><li><a href="http://bankrate.com">Bankrate.com</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

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

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

<p>What’s the difference between a bank and a credit union? More than you might think.</p><p>At first glance, banks and credit unions can seem pretty similar as they both offer valuable financial services. But dig a little deeper, and you’ll find that credit unions can be a powerful partner for managing money. Aaron Caid joins us to explain why.</p><p>Aaron Caid is the Chief Marketing Officer at <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>. </p><h3>A Different Kind of Financial Institution</h3><p>Credit unions stand apart from traditional banks because they are not-for-profit cooperatives owned by their members. That means the focus is on long-term member relationships, and service is preeminent.</p><p>However, <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a> goes a step further. Their mission is rooted in striving to serve and love others like Christ. This distinctly faith-based approach transforms everyday banking into a form of ministry that seeks to honor God and expand His Kingdom.</p><p>At <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a>, they help members align their finances with their biblical worldview. That includes offering loans to build churches and support Christ-centered ministries, turning ordinary financial tools into extraordinary Kingdom-building instruments.</p><h3>Surprising Strength in Rates and Services</h3><p>Many people assume credit unions can’t compete with traditional banks regarding rates, but that’s a misconception. Because credit unions don’t exist to make profits for shareholders, they can return those profits to our members through better rates and lower fees.</p><p>Here’s a snapshot of <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union’s (CCCU)</a> current offerings:</p><ul><li><a href="https://www.mycccu.com/personal/checking/harvest-checking/">Harvest High-Yield Checking:</a> 4% APY on balances up to $5,000 with no maintenance fees</li><li><a href="https://www.mycccu.com/personal/savings/harvest-savings/">Harvest High-Yield Savings:</a> 5% APY on the first $5,000</li><li><a href="https://www.mycccu.com/personal/certificates/welcome-certificates/">Welcome CD:</a> 4.5%–4.75% APY on 5- and 10-month terms</li><li><a href="https://www.mycccu.com/personal/credit-cards/visa-mastercard/">Cash Back Credit Card:</a> 1.5% cash back <i>and</i> a donation to Christian causes with every swipe</li></ul><p>CCCU also offers vehicle loans, mortgages, and home equity lines of credit at competitive rates, digital banking, and 24/7 member support.</p><p>Beyond rates and products, CCCU is also committed to spiritual growth through financial stewardship. They provide resources from trusted partners like <a href="https://www.faithfi.com/">FaithFi</a> and <a href="https://compassfinancialministry.org/">Compass Financial Ministry</a> to help our members grow in their financial discipleship.</p><p>It’s not just about managing money well—it’s about managing money faithfully.</p><h3>Funding Ministry and Fueling the Gospel</h3><p>One of the most inspiring aspects of <a href="https://www.mycccu.com/faithfi/">CCCU</a> is its direct support of ministry work. CCCU specializes in ministry lending, and with over $1 billion in ministry loans funded, it understands what churches and ministries need.</p><p>From property and equipment loans to operating accounts and reserve fund solutions, CCCU partners with ministries financially and missionarily.</p><p>Plus, their giving program has donated more than $6.5 million to Christian causes. That includes ministries fighting human trafficking, protecting vulnerable children, providing disaster relief, and sharing the gospel worldwide.</p><h3>Becoming a Member is Easy</h3><p>So, how can you join?</p><p>Membership is open to Christians and Christian ministries nationwide. You can become a member through your church, school, a partner ministry like Christian Alliance for Orphans, or even through a family member.</p><p>With a streamlined online process, starting banking with your values is easier than ever. When your money is aligned with your faith, it does more than grow—it gives, serves, and multiplies for God's glory.</p><p>To learn more or become a member, visit<a href="https://joinchristiancommunity.com"> joinchristiancommunity.com</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a 401(k) at a place where I used to work about 15 years ago, at the University of North Chicago. It's about $15,000, and I have not been at that job for over 15 years. I want to know if it's a good idea to move it. Should I combine it with my current 401(k), or should I just leave it there?</li><li>I have a stock in my portfolio that is losing between 40 and 47%. It has an F rating and is a large part of my portfolio. I want to sell it, but I want to know what to do with it after I sell it. I have it in Schwab, and I'm wondering if there's a better fund I could put it in since I have a lot sitting there.</li><li>I'm contributing to an employer 457(b) plan. Those funds are going into a Roth plan, and I am contributing the maximum amount. I'm married and over 50. I'd like to know if I can also open a personal Roth IRA and a traditional Roth IRA.</li><li>I would like to sell a piece of land, but I want to sell it to a developer, maybe someone who would be developing a spa, a hotel, or something similar. I want to know where I can go to access or look for developers who would be interested in purchasing my land.</li><li>My husband and I didn't file taxes from 2016 to 2022, and sadly, he passed away recently. There are IRS notices with increased penalties and interest. Do I have to list the fact that there is a withholding on the IRS notices, even though I didn't have any income, and it was all his income?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

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

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

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

Banking That Builds God’s Kingdom with Aaron Caid

<p>Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true.</p><p>It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.</p><p>Harlan Accola is the National Reverse Mortgage Director at <a href="https://movement.com/faith?_branch_match_id=1295850508872026842&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSsBABiC5QAfAAAA">Movement Mortgage</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith and Finance</a>. He is also the author of <a href="https://www.amazon.com/Home-Equity-Reverse-Mortgages-Cinderella/dp/0692044965"><i>Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. </i></a></p><h3>What’s Changed? A Safer, Regulated Option</h3><p>When you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.</p><p>Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan’s term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).</p><p>No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn’t change, and homeowners are protected.</p><p>These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.</p><h3>Are Reverse Mortgage Interest Rates Too High?</h3><p>It’s a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn’t apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.</p><p>Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren’t sacrificing much, if anything, in interest when compared to forward mortgages.</p><h3>What About Costs and Obligations?</h3><p>The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.</p><p>This insurance offers three essential guarantees:</p><ol><li>You can remain in your home as long as you want (up to age 150!).</li><li>Thanks to non-recourse debt protections, you will never owe more than the home’s value.</li><li>Your heirs won’t be left with a bill.</li></ol><p>Yes, this insurance adds about 2% of the home’s value to the upfront costs, but it’s well worth it—just like homeowner’s insurance is worth it if your house burns down.</p><h3>What Happens When the Borrower Passes Away?</h3><p>A major concern many have is what happens to the home after the homeowner dies or permanently moves out.</p><p>The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.</p><p>Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.</p><h3>Flexible Payout Options</h3><p>One of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:</p><ul><li>A lump sum</li><li>A line of credit</li><li>Monthly income payments</li><li>Or even a combination of these options</li></ul><p>The big idea? Your home is not just a place to live—it’s also a financial asset that can be used strategically, especially in retirement.</p><p>Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.</p><p>Visit <a href="http://movement.com/Faith">Movement.com/Faith</a> to learn more about reverse mortgages or speak directly with Harlan Accola at <a href="https://movement.com/faith?_branch_match_id=1406008510245626691&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?</li><li>A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?</li><li>I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://movement.com/faith?_branch_match_id=1406008510245626691&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="http://bankrate.com">Bankrate.com</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Did you know there’s a way to tap into your home’s equity for tax-free cash—without having to make monthly payments? It’s true.

It’s called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today’s reverse mortgage isn’t what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.

Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.

Understanding Reverse Mortgages Today with Harlan Accola

<p><i>“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - </i>Psalm 82:3–4</p><p>As followers of Christ, we’re called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. </p><p>​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith and Finance</a>.</p><h3>The Crisis Behind the Headlines</h3><p>In a society shaped by shame-and-honor dynamics, without a biblical understanding of human dignity, refugee girls—especially Bedouin and Kurdish—are often seen as burdens or liabilities. Add to that multiple wars, a collapsed economy, and weak legal protections, and the danger becomes tragically clear: girls are exploited because they’re seen as expendable.</p><p>But <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a> is stepping in not just to rescue—but to prevent. That may sound counterintuitive until you hear stories like Ferial’s—a grandmother who joined a literacy class to model a different future for her granddaughters. After coming to know Christ through Heart for Lebanon, she said, <i>“I can’t change what happened to my daughters, but I can change the future for my granddaughters.”</i></p><p>Prevention means investing in the whole family unit. It means addressing spiritual, emotional, and physical needs by offering:</p><ul><li>Christian counseling in their native language</li><li>Non-formal education programs that integrate biblical values</li><li>Safe, holistic discipleship environments for moms, dads, and children</li><li>Community development rooted in the Gospel</li></ul><p>One of the most moving examples is Alima, a 10-year-old enrolled in Heart for Lebanon’s Hope Education Program. Her mother, under cultural and financial pressure, began pushing Alima to abandon school and enter into marriage. But because of the truth Alima had learned through <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a>—truth about Jesus and her God-given worth—she found the courage to push back.</p><p>Her bold faith not only protected her from child marriage but, through prayer and persistence, led to her mother’s salvation as well. This is the ripple effect of prevention-centered ministry.</p><h3>Real Change Through Holistic Ministry</h3><p>The key to sustainable impact is community transformation. The goal isn’t to isolate and remove girls from danger—which can sometimes cause more trauma—but to reshape families and communities from within through Gospel truth. When fathers, uncles, and guardians are discipled alongside mothers and daughters, entire cultural norms begin to shift.</p><p>That’s what <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a> is doing every day—breaking cycles of violence and shame with the hope of Jesus.</p><p>Heart for Lebanon is inviting the <a href="https://www.faithfi.com/show">Faith & Finance</a> family to join them in this mission. A gift of $114 helps reach and protect three at-risk girls, offering them education, protection, and the Gospel of Jesus Christ.</p><p>You can give by:</p><ul><li>Texting “FAITH” to 98656</li><li>Visiting <a href="http://faithfi.com/Lebanon">FaithFi.com/Lebanon</a></li></ul><p>Our shared goal? To introduce 500 young women and girls to Jesus and prevent the heartbreaking patterns of early marriage, child labor, and violence.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I want to buy a used tractor for our 15 acres. Can I use the interest from our high-yield savings account to purchase it?</li><li>My husband and I started generating income later than most of our peers. He did a PhD, and I've been at home with the kids. Now that he has his first job, we have a small savings account but no 401(k) or investments. We want to maximize our investments but aren't sure where to start.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart For Lebanon</a></li><li><a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=sr_1_1?crid=CPXEUYWB2PHS&amp;dib=eyJ2IjoiMSJ9.Yo8VELhdcDg8vIoMv5NLkTsz4bQcDD2oGiVq_APD_U2oAEPbJY_WRkMPUtw2-CpxGz37JNA5vhgbe5yIGeO4cr5iEHp-3msG0G7TbQ0DrMiGrNxVc0b-xZBLAS2SxHiv7dDSE1ejS4qYHaY8j9ytgSKsgA_t5y8r5SkWZ9-n07KVC2zijyjKezNXnMZwBO3yUlUw1WMDYA8lQsb7g9Vt4cyU2LFwcbMwnu76vVSwKFoaCXmAYXcm4cVIN5DdXWPaC8l7shcSyUuyU2G7LQVB4fMjNBAsJgBGEyYTVHiEvus.rQpsSwLza0RTQAsAY8vxUdlv884vxZ8YZGq5SBAuxz8&amp;dib_tag=se&amp;keywords=ron+blue&amp;qid=1744754652&amp;sprefix=ron+blu%2Caps%2C151&amp;sr=8-1">Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael Blue</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“Give justice to the weak and the fatherless; uphold the rights of the afflicted and the destitute. Rescue the weak and the needy; deliver them from the hand of the wicked.” - Psalm 82:3–4

As followers of Christ, we’re called to advocate for the vulnerable and protect the oppressed. One of the most urgent needs today is among girls and young women in Lebanon. May-Lee Melki joins us with a powerful story of hope and a way you can make a difference. 

​May-Lee Melki is a Lebanese-American advocate, legal scholar, and ministry leader dedicated to advancing justice and holistic transformation in the Middle East. She serves as the Strategic Engagement Manager at Heart for Lebanon, an underwriter of Faith and Finance.

Reaching At-Risk Girls with Hope with May-Lee Melki

<p><i>“A good man leaves an inheritance to his children's children…” </i>- Proverbs 13:22</p><p>That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” </p><p>Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with <a href="https://www.ncfgiving.com/">The National Christian Foundation (NCF)</a>, where she assists families nationwide with achieving their charitable gift-planning goals.</p><h3>What Is an Intentional Inheritance?</h3><p>An intentional inheritance is more than the distribution of wealth. It’s a prayerful, purposeful plan for shaping the lives of those who will receive what we leave behind. Inheritance is one of the most significant stewardship decisions we make. It’s not just about <i>how much</i> but <i>how</i>—and <i>why</i>—we give.</p><p>This perspective calls for a deep shift. Before passing on wealth, we must first pass on wisdom. Otherwise, unmanaged or misunderstood wealth can do more harm than good.</p><h3>Start with Prayerful Introspection</h3><p>Ask yourself: <i>What role does wealth play in my life?</i> Reframe your mindset around money—not as a measure of success or security but as a tool for Kingdom work. Wealth is an entrustment from God, not an end in itself. That means laying it down at the cross daily, asking the Lord to help us steward it with humility and grace.</p><h3>Three Types of Inheritance</h3><p>To simplify this big task, here are three kinds of inheritance every Christian family should consider:</p><h3>1. Inheritance to Spend</h3><p>This is the traditional kind of inheritance—resources intended to provide opportunities, experiences, and essentials. Think of it as financial fuel to help your heirs live productive, content lives. But maturity matters. Consider using this inheritance to fund training, travel, or education <i>before</i> a large transfer, especially if the heir is still developing financial literacy or spiritual maturity.</p><h3>2. Inheritance to Shape</h3><p>This is where legacy comes to life. Instead of simply giving money, consider shaping character through shared experiences—like mission trips, retreats, or projects that reflect your family’s values.</p><h3>3. Inheritance to Share</h3><p>We’re blessed to be a blessing. Set aside a portion of your estate to fuel generosity in the next generation. This might include donor-advised funds, charitable trusts, or other giving vehicles your heirs can use to support ministries or causes close to their hearts. This is how we teach our children to reflect God’s love through giving.</p><h3>Practical Steps to Craft an Intentional Inheritance</h3><p>Here are four foundational steps to take:</p><h3>1. Engage in Open Dialogue</h3><p>Talk with your heirs about the purpose behind the inheritance. Focus less on <i>how much</i> and more on <i>why</i>. Share your values, your heart for the Kingdom, and how you hope the inheritance will be used to bless others. This conversation builds trust, understanding, and spiritual alignment.</p><p>It’s not about dollars and zeros; it’s about attitude, opportunity, and calling.</p><h3>2. Work with Faith-Aligned Advisors</h3><p>Choose financial and legal professionals who share your biblical worldview. Whether you're working with an estate attorney or a financial planner, the right team will help ensure your legacy is stewarded with wisdom and integrity. That’s why we recommend connecting with a <a href="https://www.faithfi.com/find">Certified Kingdom Advisor (CKA)</a>. To find one near you, visit<a href="https://www.faithfi.com"> FaithFi.com</a> and click <a href="https://www.faithfi.com/find">“Find a Professional.”</a></p><h3>3. Prepare Your Heirs</h3><p>Don’t wait until the inheritance is distributed. Teach your heirs financial literacy and spiritual stewardship now. Let them stumble, learn, and grow while you’re still here to mentor and encourage them.</p><h3>4. Use Strategic Tools</h3><p>Leverage estate planning vehicles like wills, trusts, donor-advised funds, and charitable gift plans. These tools help ensure your assets are distributed in a way that promotes ongoing generosity and reflects your commitment to faithful living.</p><p>Even well-meaning inheritances can lead to confusion, entitlement, or spiritual drift without intentional planning. But with prayer, purpose, and preparation, your legacy can be a launching pad for generations of Kingdom impact.</p><h3>Want to learn more?</h3><p>Explore practical tools and gospel-centered resources at<a href="https://www.ncfgiving.com"> NCFgiving.com</a> to help you build a legacy of generosity and faith. To read Jeanne’s full article, <i>“Intentional Inheritance: Crafting a Faithful Legacy for Future Generations,”</i> become a <a href="https://www.faithfi.com/give">FaithFi Partner</a> with a monthly gift of $35 or an annual gift of $400 at <a href="http://faithfi.com/give">FaithFi.com/give</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm nervous about retiring in the next year and a half. I have a 457 retirement account with the state of Ohio, and I'm worried about the current economy. Should I move all my investments into stable value to protect what I've got while the economy is in flux?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</a></li><li><a href="https://www.amazon.com/Experiencing-God-2021-Knowing-Doing/dp/1087753678/ref=sr_1_2?crid=1KBFOHVDQ9YKB&amp;dib=eyJ2IjoiMSJ9.LGPFfpkHEVJqc_Lw7EHl7HfIF9a9mXMHIdsl8_LuZWidWAZeMulnzRQJRg49mMaoftNtastpPR3bA8Jt816g31CcmGPqMEtcs84TPuj_rRhEjn7WQTzxslFCVRRflrbp5QeJIE_pgwKfnuKxWS4tUV-nQmV0qmY_8o9LXxAG_6clzIfLAeiAzfI7eWPsBqYDEiUnMGes5_zjgu9aywbNsMAA9sbENmKJHxkCn3T03BI.xcJkH1aWSBZN3o3ER82blreM1fhLsWOEo_IweidlNkY&amp;dib_tag=se&amp;keywords=henry+blackage+experiencing+god&amp;qid=1744735458&amp;sprefix=henry+blackaby+experiencing+god%2Caps%2C118&amp;sr=8-2">Experiencing God: Knowing and Doing the Will of God by Henry Blackaby, Richard Blackaby, and Claude V. King</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“A good man leaves an inheritance to his children's children…” - Proverbs 13:22

That verse teaches that a life of faithful stewardship will enable you to leave something of great value to your heirs. How you do it can impact future generations. Jeanne McMains joins us today to talk about “intentional inheritance.” 

Jeanne McMains has been a practicing attorney in estate planning, business succession, and non-profits since 1995. She currently serves as the Vice President of Gift Planning with The National Christian Foundation (NCF), where she assists families nationwide with achieving their charitable gift-planning goals.

Crafting a Faithful Legacy for Future Generations with Jeanne McMains

<p><i>“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.”</i> - 2 Corinthians 8:9</p><p>Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely.</p><p>Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn’t just die <i>for</i> us—He died <i>instead</i> of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn’t just a wooden beam but the full weight of our guilt and rebellion.</p><p>And yet, it was love—not nails—that held Him there.</p><h3>The Financial Language of Redemption</h3><p>Here on <a href="https://www.faithfi.com/show">Faith & Finance</a>, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like <i>debt</i>, <i>ransom</i>, <i>redemption</i>, and <i>inheritance</i> appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation.</p><ul><li><i>“The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”</i> - Romans 6:23</li><li><i>“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.”</i> - Mark 10:45</li><li><i>“You were bought with a price. So glorify God in your body.”</i> - 1 Corinthians 6:20</li></ul><p>These verses paint a clear picture: our sin incurred a debt that only Jesus could pay.</p><h3><i>Tetelestai</i>: It Is Finished</h3><p>In John 19:30, as Jesus gave up His spirit, He cried out, <i>“It is finished.”</i> The Greek word He used—<i>tetelestai</i>—was more than a declaration of His suffering ending. It was a victory cry.</p><p>In the ancient world, <i>tetelestai</i> was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant’s report that a task had been completed.</p><p>So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn’t come to make a down payment on our salvation. He didn’t cover part of the cost and leave the rest up to us. He paid it <i>all</i>.</p><p>That means you and I no longer live in spiritual deficit. We live in the overflow of God’s grace. There’s no more striving to earn God’s favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to <i>gain</i> life, but because in Christ, we’ve <i>already</i> found it.</p><h3>Why Good Friday Is Truly Good</h3><p>Good Friday is good not because it was easy but because it was enough.</p><p>At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace.</p><p>So, as we reflect today, may we hear His final words echo in our hearts—<i>It is finished</i>. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us.</p><h3>From Financial Fear to Freedom in Christ</h3><p>If this message resonates with you, we invite you to explore <a href="https://www.faithfi.com/shop/sparrows"><i>Look at the Sparrows</i></a>, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God’s grace free us from worry and invite us to trust fully in His provision.</p><p>On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I want to send money to my three cousins in Europe who are in a difficult economic situation. Can I get a tax deduction for gifting them money?</li><li>I need guidance on being a good steward and managing my giving to various churches and outreaches.</li><li>I'm receiving a modest inheritance and want to give about $30,000 to one of my siblings. I'm also planning to give $10,000 to my son for a wedding gift. I'd like to know how to handle these gifts from a tax perspective and if I need to split the gifts over two years.</li><li>I want to know how to start on a debt-free journey and what steps I should take to stay on that path.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.amazon.com/Your-Money-Counts-Biblical-Investing/dp/1414359497/ref=sr_1_1?crid=HDY8K3T2MXZ2&amp;dib=eyJ2IjoiMSJ9.mSJhGi6q9nhjV8870pj8_YEHCjFK68KI8FTIlX0IDyQ3ro-wEsgW4q0KDfNR8bC7IRYhd9U5J3MyNuE6YrP59au1kZp8EiCsFNaqfvg1vhAEVGzoxFsQ0Yhd-bvd5gxbKioF_UyEcEZWkoE4lxFJSuG9vrHxpc5QbMArJo8CvG0.f02_M2v5xgPsbwJE6rd2wUun01TNK0zm7gCAvQtfenE&amp;dib_tag=se&amp;keywords=howard+dayton+your+money+counts&amp;qid=1744399474&amp;sprefix=howard+dayton+your+%2Caps%2C130&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="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9

Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely.

It Is Finished

<p><i>"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold."</i> - Proverbs 3:13-14</p><p>Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot.</p><p>Bob Doll is the CEO and CIO of <a href="https://www.crossmarkglobal.com/">Crossmark Global Investments</a>. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. </p><h3>Building a Life of Faithful Stewardship from the Start</h3><p>Finances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? </p><p>Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That’s why it’s critical to lay a foundation not just of financial literacy but of <i>biblical stewardship</i>. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning.</p><h3>1. Begin With a Plan—And a Budget</h3><p>Without a clear plan for spending, saving, and giving, it’s easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you.</p><p>And you don’t have to do it alone. Tools like the <a href="https://www.faithfi.com/manage">FaithFi app</a> make creating an intentional, faith-filled budget easy. It's not just about numbers—it’s about aligning your finances with your values.</p><p>2. Save for Emergencies—And Stay Out of Debt</p><p>After budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits.</p><p>Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can.</p><h3>3. Learn from Others—and Find a Mentor</h3><p>There’s no substitute for wise counsel. Watch those who are succeeding with money—and those who aren’t. Learn from both.</p><p>Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save.</p><h3>4. Give Generously—Even When It’s Hard</h3><p>Start giving now. Like Randy Alcorn says,<i> “God prospers us not to raise our standard of living, but our standard of giving.”</i> Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider.</p><h3>5. Start Investing Early—and Consistently</h3><p>Compound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time.</p><p>Start with low-cost index funds or retirement accounts like a Roth IRA. And don’t overlook your workplace benefits. If your employer offers a match, take it. That’s free money.</p><h3>6. Align Your Investments with Your Faith</h3><p>Today’s investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles.</p><h3>7. Embrace Rhythms and Celebrate Milestones</h3><p>The journey to financial stability can feel long, especially when progress is slow. That’s why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We’re not meant to live like monks but are called to be wise.</p><p>These rhythms of budgeting, saving, investing, and giving aren’t just habits—they’re acts of worship.</p><h3>8. Talk About Money—Especially in Marriage</h3><p>Money fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often.</p><p>Being on the same page financially brings unity and builds trust. It’s also a way of inviting God into your relationship in a very practical, day-to-day way.</p><h3>9. Grow in Wisdom—And Keep Learning</h3><p>Staying in God’s Word and learning from wise voices is crucial. Some books that we recommend to help you discern what the Bible really says about wealth and generosity are:</p><ul><li><a href="https://www.amazon.com/Money-Possessions-Eternity-Randy-Alcorn/dp/0842353607/ref=sr_1_6?crid=37LPGI3L1AO0Q&amp;dib=eyJ2IjoiMSJ9.uEiMtQ8koZxqSspAVjM31vzi-CJTMd10JZ0eZ75hwkF_OULI3CAruKGRYDNEbWGwkDR2bHif2hhmoY32qE-7L1krJclZcFF7sOZVAX0PyEChVS6CQpOsUM3WbvabZ0EGg1b9Sm8QuquYErUE_bhU8tc-1B3SoAVgZfRy5Brb-u3paM1CodOjS1UVgGuWi-nnVLCxWl5qrf8C80z7MJi8LLW-Y97ZvF8TB1hgKiwHlwXxUm9CryYvPYQruvCrxgj3mhUax9eDZtIV2aTMhy13ZW2Mg2Y3Uy-9XihheJZJIJ4.ghK32yHOlmFo3Bpodjuhs9ff8af4fqo4QVa_vVQ-yUc&amp;dib_tag=se&amp;keywords=randy+alcorn&amp;qid=1744398490&amp;sprefix=randy+alcorn%2Caps%2C131&amp;sr=8-6">Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn</a><br /> </li><li><a href="https://www.amazon.com/Treasure-Principle-Revised-Updated-Unlocking/dp/0735290326/ref=pd_bxgy_thbs_d_sccl_1/139-0976769-3977768?pd_rd_w=kYC2X&amp;content-id=amzn1.sym.dcf559c6-d374-405e-a13e-133e852d81e1&amp;pf_rd_p=dcf559c6-d374-405e-a13e-133e852d81e1&amp;pf_rd_r=PGJYFEHSZGCNCRMV51MN&amp;pd_rd_wg=bUbgp&amp;pd_rd_r=d173f952-192e-4cec-8ec7-6f2eb80b1edb&amp;pd_rd_i=0735290326&amp;psc=1">The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy Alcorn</a></li></ul><h3>Start Strong</h3><p>To the student, recent graduate, or young couple just starting out: the best time to build wise financial habits is <i>now</i>. Begin with a plan. Learn from mentors. Avoid debt. Save for emergencies. Give generously. Invest consistently. Talk honestly. And let Scripture shape how you think about money.</p><p>After all, financial wisdom isn’t just about building wealth—it’s about building a life that reflects the heart of God.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 70 years old and have $112,000 in my checking account. I'm about to retire and unsure what to do with this money. Should I pay off my $110,000 mortgage or use the funds for home repairs and a new car?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.crossmarkglobal.com/?utm_campaign=FaithFi&amp;utm_medium=FaithFi%20website%2C%20banner%2C%20email%2C%20social&amp;utm_source=vanity%20URL">Crossmark Global Investments</a></li><li><a href="https://www.amazon.com/Money-Possessions-Eternity-Randy-Alcorn/dp/0842353607/ref=sr_1_6?crid=37LPGI3L1AO0Q&amp;dib=eyJ2IjoiMSJ9.uEiMtQ8koZxqSspAVjM31vzi-CJTMd10JZ0eZ75hwkF_OULI3CAruKGRYDNEbWGwkDR2bHif2hhmoY32qE-7L1krJclZcFF7sOZVAX0PyEChVS6CQpOsUM3WbvabZ0EGg1b9Sm8QuquYErUE_bhU8tc-1B3SoAVgZfRy5Brb-u3paM1CodOjS1UVgGuWi-nnVLCxWl5qrf8C80z7MJi8LLW-Y97ZvF8TB1hgKiwHlwXxUm9CryYvPYQruvCrxgj3mhUax9eDZtIV2aTMhy13ZW2Mg2Y3Uy-9XihheJZJIJ4.ghK32yHOlmFo3Bpodjuhs9ff8af4fqo4QVa_vVQ-yUc&amp;dib_tag=se&amp;keywords=randy+alcorn&amp;qid=1744398490&amp;sprefix=randy+alcorn%2Caps%2C131&amp;sr=8-6">Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn</a></li><li><a href="https://www.amazon.com/Treasure-Principle-Revised-Updated-Unlocking/dp/0735290326/ref=pd_bxgy_thbs_d_sccl_1/139-0976769-3977768?pd_rd_w=kYC2X&amp;content-id=amzn1.sym.dcf559c6-d374-405e-a13e-133e852d81e1&amp;pf_rd_p=dcf559c6-d374-405e-a13e-133e852d81e1&amp;pf_rd_r=PGJYFEHSZGCNCRMV51MN&amp;pd_rd_wg=bUbgp&amp;pd_rd_r=d173f952-192e-4cec-8ec7-6f2eb80b1edb&amp;pd_rd_i=0735290326&amp;psc=1">The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy Alcorn</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14

Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot.

Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC.

Financial Advice for Students and Early Career Adults with Bob Doll

<p>In the first century B.C., the Roman historian Sallust wrote, <i>“Prosperity tries the souls, even of the wise.”</i> That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.</p><p>When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, <i>“Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”</i></p><p>Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test.</p><h3>The Temptations of Adversity</h3><p>Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith.</p><p>James 1:2-3 tells us, <i>“Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.”</i></p><p>So how do we remain grounded—whether in feast or famine? The answer is wisdom.</p><p>Proverbs 1:7 lays the foundation: <i>“The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”</i></p><p>This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction.</p><p>Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing.</p><h3>What Wisdom Brings</h3><p>Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely:</p><ul><li><strong>Discernment:</strong> <i>“Then you will understand what is right and just and fair—every good path”</i> (Proverbs 2:9).</li><li><strong>Guidance:</strong> <i>“In all your ways acknowledge Him, and He will make your paths straight”</i> (Proverbs 3:6).</li><li><strong>Blessing:</strong> <i>“Blessed is the one who finds wisdom, and the one who gets understanding”</i> (Proverbs 3:13).</li><li><strong>Reputation:</strong> <i>“The wise inherit honor, but fools get only shame”</i> (Proverbs 3:35).</li><li><strong>Protection:</strong> <i>“Through the fear of the Lord a man avoids evil”</i> (Proverbs 16:6).</li></ul><p>Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways.</p><p>In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, <i>“The way of fools seems right to them, but the wise listen to advice.”</i></p><p>When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy.</p><h3>Applying Wisdom to Your Finances</h3><p>Here are three practical ways to walk in financial wisdom:</p><h3>1. Recognize God’s Ownership</h3><p>Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, <i>“The earth is the Lord’s, and everything in it.”</i> When we view money as a trust rather than a possession, it changes how we spend, save, and give.</p><p>Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart.</p><h3>2. Live by Biblical Principles</h3><p>Scripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, <i>“In humility, consider others more significant than yourselves.”</i></p><h3>3. Pursue Contentment</h3><p>Paul writes in 1 Timothy 6:6, <i>“Godliness with contentment is great gain.”</i> True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism.</p><h3>What Do Your Habits Reveal?</h3><p>At the end of the day, your financial decisions reflect your spiritual direction. Are your habits shaped by God's wisdom or the world’s values?</p><p>Jesus said, <i>“Where your treasure is, there your heart will be also”</i> (Matthew 6:21). If you’re following Christ, your money will follow Him, too—toward generosity, simplicity, and trust.</p><p>Whether you’re walking through a season of prosperity or adversity, God is with you. And if you seek His wisdom, you’ll be equipped to handle both with grace.</p><p>The world measures success by accumulation, but God measures it by faithfulness. So whatever financial season you’re in right now, stay focused on what truly matters: following Jesus. In Him, there is peace, purpose, and joy—no matter your bottom line.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I want to move from our 26-acre farm, but house prices are high. Do land prices follow house prices if the housing market drops?</li><li>I want to put my house in a trust to protect it in case I end up in a nursing facility, but I can't afford an attorney. What do you think of using an app like Quicken Willmaker for this purpose?</li><li>I'm a federal employee planning to retire within a year. My TSP is invested 70% in the C fund and 30% in the G fund. Is this a good allocation, or would it be safer to start moving more of my investments into the G fund?</li><li>I own a house, and I decided a long time ago to put it in my name and my three daughters' names. I'm wondering if I have done the right thing and what the advantages or disadvantages of this decision are.</li><li>I want to transfer my Arizona property to my children to avoid probate. Are CDs offering 7.5% better than stocks with broker fees?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.

When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”

Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test.

Following Jesus Through Every Financial Season

<p>For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there’s any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks.</p><p>A recent article from <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a> by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again.</p><p>Let’s walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy.</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>Why Should U.S. Investors Consider Foreign Stocks?</h3><h3>1. Diversification and Market Dynamics</h3><p>Foreign stocks offer investors the opportunity to diversify—not just by geography but also by market behavior. While U.S. stocks declined by more than 4% in Q1 of this year, a common international fund used by <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a> rose by over 8%. That kind of divergence underscores the value of spreading risk across global markets.</p><p>Two decades ago, having 20% or more of your equity portfolio in international stocks was standard practice. However, as U.S. markets have surged over the last 14 years—outperforming foreign stocks by a factor of four—many investors have pulled back. History, however, suggests the pendulum could be swinging back.</p><h3>2. The Tech Bubble Parallel</h3><p>Remember the late 1990s tech boom? From 1995 to 1999, the S&amp;P 500 rose more than 20% annually, driven largely by internet stocks. Sound familiar?</p><p>After the dot-com bubble burst in March 2000, U.S. stocks stalled—gaining just 13% over the next 7.5 years. Meanwhile, foreign stocks soared, climbing 69% during that same stretch. Market cycles like this remind us that chasing performance can lead to missed opportunities elsewhere.</p><h3>3. A Price-to-Earnings Disparity</h3><p>Currently, U.S. stocks trade at a P/E ratio of around 26—well above historical norms. Foreign stocks? Around 16. That’s a significant valuation gap. While valuation alone doesn’t indicate <i>when</i> markets will shift, it does suggest that the upside potential for international equities is greater—especially if investor sentiment begins to shift.</p><h3>4. Post-COVID Spending and Sector Shifts</h3><p>COVID-19 marked the end of a 40-year trend of declining inflation and interest rates. Since then, we’ve entered a new environment with higher inflation and rising rates—conditions that benefit the more industrial, less tech-heavy composition of many foreign markets.</p><p>U.S. tech stocks, dominant in low-rate environments, may not fare as well moving forward. Foreign markets, which lean toward traditional sectors, could outperform in this new economic climate.</p><h3>5. Shifting Fiscal Policy</h3><p>One potential catalyst for foreign stock performance is shifting government policies. The U.S. has begun cutting back on spending, while other countries—facing rising defense needs and new trade dynamics—are ramping up.</p><p>Historically, higher government spending boosts economic growth in the short term. If the U.S. tightens its belt while others open their wallets, we may see a reversal in relative market performance.</p><h3>6. The "Sequencing Risk" of Tariff Policies</h3><p>“Sequencing risk” is a dynamic in which the pain of policy changes is felt up front, while the benefits come later. For example, tariffs initially slow economic activity but are implemented in hopes of long-term economic independence and stability.</p><p>This could reduce U.S. growth projections in the short term as some foreign economies accelerate. This divergence can significantly influence investment returns.</p><h3>7. Follow the Money</h3><p>For decades, the global economy has operated under a system where the U.S. buys, and the rest of the world recycles its earnings back into U.S. assets. This has been a tailwind for U.S. stocks and bonds.</p><p>But what happens if the U.S. begins importing less? Those recycled dollars may dry up—meaning less foreign investment in U.S. markets and potentially more reinvestment at home, in countries where those goods are produced. That shift could fuel a rally in international markets.</p><h3>8. It’s Not Either/Or—It’s Both/And</h3><p>This isn’t about abandoning U.S. stocks. It’s about recapturing the value of a globally diversified portfolio. With international stocks looking attractively priced and a number of tailwinds forming, now may be a wise time to add foreign exposure through mutual funds or ETFs.</p><p>The impact could be substantial if global capital starts flowing back into foreign stocks.</p><p>If your portfolio has drifted into a U.S.-only approach over the last decade, now may be the time to revisit your strategy. While no one can predict the future, wise stewardship includes preparing for it with thoughtful diversification.</p><p>For a deeper dive into this topic, you can read Mark Biller’s full article, <a href="https://soundmindinvesting.com/articles/time-for-foreign-stocks-to-shine"><i>“Time for Foreign Stocks to Shine?”</i></a> at<a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA"> SoundMindInvesting.org</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I want to buy an expensive watch. Is this being a bad steward of God's money? Where's the line between treating myself and overspending?</li><li>I own a condo unit in a homeowners' association that has been assessed $870,000 for a roof replacement. The association claims the original contractor was paid $438,000 and ran away with the money. Are there any government agencies that can investigate this, and what rights do I have?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a> | <a href="https://soundmindinvesting.com/articles/time-for-foreign-stocks-to-shine">Time for Foreign Stocks to Shine? By Mark Biller </a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

For the past decade, U.S. stocks have stolen the spotlight. Fueled by the dominance of tech giants and ultra-low interest rates, American equities have outperformed much of the world—leaving many investors to wonder if there’s any need to look beyond U.S. borders. But history—and current market conditions—suggest it may be time to take a fresh look at foreign stocks.

A recent article from Sound Mind Investing by Mark Biller outlines why international markets could be poised for a resurgence. From valuation gaps and shifting fiscal policy to global capital flows and post-COVID economic trends, several factors are aligning that could make foreign equities an important part of a well-diversified portfolio again.

Let’s walk through the key highlights and insights from the article—and why this may be a wise moment to think globally in your investment strategy.

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

Time for Foreign Stocks to Shine? with Mark Biller

<p>In today’s fast-paced world of cryptocurrency booms, sports betting apps, and market volatility, it’s easy to blur the lines between investing and gambling. Some even suggest they’re essentially the same: putting money at risk in hopes of a reward. But that’s a serious oversimplification—and it misses what sets these two activities apart, not just financially but morally and biblically.</p><p>Let’s examine closely how Scripture, wisdom, and faith guide us in thinking rightly about risk, wealth, and the difference between gambling and godly investing.</p><h3>Surface Similarities, Foundational Differences</h3><p>Yes, both investing and gambling involve uncertainty. But the <i>nature</i>, <i>purpose</i>, and <i>outcome</i> of that uncertainty reveal a stark contrast.</p><p>Investing is thoughtful risk—measured, intentional, and directed toward long-term growth and productivity. It’s about building something: a business, a future, a legacy. Gambling, on the other hand, is a zero-sum game. One person’s win always comes at another’s loss. There’s no product created, no value added—just money changing hands, often driven by chance.</p><p>Scripture doesn’t condemn risk itself. In fact, Ecclesiastes 11:1 encourages wise, forward-looking activity:</p><p><i>“Cast your bread upon the waters, for you will find it after many days.”</i></p><p>Farmers sow in faith, business owners launch ventures without knowing outcomes, and faithful stewards invest, trusting God while using His resources wisely.</p><p>At its best, investing helps others flourish. When you invest in a company, you support its ability to hire employees, create products, and expand services. It contributes to the real economy. This aligns with the biblical call to participate in the common good and steward what we’ve been given.</p><p>In contrast, gambling thrives on imbalance. Its business model depends on extracting wealth from those who can least afford to lose it. According to numerous studies, gambling establishments disproportionately profit from those in financial distress. That’s not just unfortunate—it’s unjust.</p><p>Scripture speaks clearly on this:</p><p><i>“Ill-gotten gains do not profit anyone, but righteousness rescues from death.” - </i>Proverbs 10:2</p><p><i> “Learn to do right; seek justice. Defend the oppressed.” - </i>Isaiah 1:17</p><p>When we gamble, we’re often not just risking money—we may be supporting an industry that profits from injustice and preys on desperation.</p><h3>Faithful Investing Is an Act of Stewardship</h3><p>In the Parable of the Talents (Matthew 25:14–30), Jesus praises servants who wisely multiply what was entrusted to them. This wasn’t a message about maximizing profits—it was about faithfulness. The servants who acted wisely weren’t gamblers but stewards who took action with the Master’s interests in mind.</p><p>That’s the heart of Christian investing: not chasing gains but multiplying God’s resources to serve others and glorify Him.</p><p>As stewards, we ask not just <i>what</i> we invest in but <i>why</i>. Are we motivated by generosity or greed? By love for neighbor or love of money?</p><p>Gambling feeds on a dangerous lie: <i>“If I just get lucky, everything will be better.”</i> It exploits our dissatisfaction and fuels a restless craving for more.</p><p>But the Bible calls us to contentment, not a compulsive pursuit of wealth.</p><p><i>“Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’”</i> - Hebrews 13:5</p><p>That warning doesn’t apply only to gamblers. Even investing, when driven by fear or pride, can become a spiritual trap. Hoarding under the guise of saving. Obsessing over returns instead of resting in God’s provision. That’s why heart-checks are essential: <i>Am I trusting in God—or in my portfolio?</i></p><h3>Gambling Turns Money into a God—Investing Can Turn It into a Tool</h3><p>Jesus was clear:</p><p><i>“You cannot serve both God and money.” - </i>Matthew 6:24</p><p>Gambling often makes money the master—something to chase, fear, and idolize. But investing, done with a kingdom mindset, makes money a servant—something to steward and direct toward God’s purposes.</p><p>That’s why investing should never be seen as a get-rich-quick scheme. It’s a long-term discipline rooted in wisdom, patience, and generosity. It’s a way of preparing for the future while contributing to the flourishing of others today.</p><p>Here’s the bottom line: how we handle money is never just a financial issue—it’s a spiritual one.</p><p>Gambling often reflects distrust in God’s provision and a desire for quick fixes. When done right, investing reflects wisdom, contentment, and a desire to serve.</p><p>Here are a few reflective questions to consider:</p><ul><li>Am I making financial decisions out of fear or faith?</li><li>Is my heart set on what money can do—or on what God has already done?</li><li>Do I view my investments as a way to bless others or simply benefit myself?</li></ul><h3>Your Security Is in Christ, Not in Returns</h3><p>In today’s uncertain economy, it’s tempting to look for shortcuts or put our trust in performance. But real peace doesn’t come from perfect financial planning—it comes from knowing the One who holds your future.</p><p>Whether you’re investing, giving, saving, or simply getting by, remember:<br />Your ultimate treasure isn’t in the stock market or your net worth—it’s in Christ.</p><p>As you steward God’s resources, don’t chase the illusion of easy wealth. Instead, pursue faithfulness, justice, and generosity.</p><p>That’s not just wise investing. That’s worship.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a question about what I actually need to do as far as whether we look at an estate attorney, whether we look at a CPA, whether we look at a financial planner. We have several homes and investments and want to create a trust, but we just don't know which direction to go with it.</li><li>I want to know if our portfolio is conservative enough. We have about $900,000 to $1 million in property. Is property considered aggressive or conservative in an investment mix?</li><li>What are the pros and cons of changing house title to transfer upon death and adding my kids' names versus leaving it to them in a will?</li><li>Is it advisable to contact an insurance broker about skyrocketing insurance premiums, and if so, how do I find a reputable one?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.ehealthinsurance.com/">eHealth</a> | <a href="https://www.healthmarkets.com/">HealthMarkets</a> | <a href="http://healthcare.gov">Healthcare.gov</a></li><li><a href="https://chministries.org/info-pack/?hsCtaTracking=a1d865ee-68d9-42ca-af69-b1d362723b82%7Caea8c871-b92e-4d02-a4fd-f8deb79957c4&amp;utm_campaign=spsr_faithfi&amp;utm_source=faithfi&amp;utm_medium=faithfi_partner_landing_page_info_pack_button_chm_info_pack&amp;utm_content=info_pack">Christian Healthcare Ministries (CHM)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

In today’s fast-paced world of cryptocurrency booms, sports betting apps, and market volatility, it’s easy to blur the lines between investing and gambling. Some even suggest they’re essentially the same: putting money at risk in hopes of a reward. But that’s a serious oversimplification—and it misses what sets these two activities apart, not just financially but morally and biblically.

Let’s examine closely how Scripture, wisdom, and faith guide us in thinking rightly about risk, wealth, and the difference between gambling and godly investing.

Investing vs. Gambling: What’s the Difference?

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Join Rob West and special guests as they address today's financial questions with biblical answers.

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