<p>Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.</p><p>All jokes aside, failing to file your taxes for several years is no small matter—but it’s not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.</p><p><a href="https://kevincrosscpa.com/">Kevin Cross</a> is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).</p><h3>Start With the Present, Not the Past</h3><p>The further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you’re attempting to come into compliance, not ignoring your obligations.</p><p>Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year’s return also goes unfiled.</p><p>Of course, COVID didn’t help as many people have been struggling since then to get back on track.</p><h3>Do You Always Have to File?</h3><p>A common misunderstanding is that you must always file. If you’re not going to owe anything, you don’t have to file. That includes many senior citizens who live solely on Social Security.</p><p>However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.</p><p>Importantly, there’s a difference between <i>not filing</i> and <i>not paying.</i> Sometimes you don’t know what you owe—or if you owe—until you file.</p><p>Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don’t, you might receive a letter saying you owe thousands in capital gains tax—money you could’ve avoided paying.</p><h3>How to Begin the Process</h3><p>If you're unsure how many years you've missed, a good first step is to request a <a href="https://www.irs.gov/individuals/get-transcript">Wage and Income Transcript</a> from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “<a href="https://www.irs.gov/individuals/get-transcript"><i>IRS wage and income transcript</i></a>.”</p><p>Even with transcripts in hand, deciphering them can be complicated. That’s why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a <a href="https://www.faithfi.com/find">Certified Kingdom Advisor (CKA)</a> in your area who specializes in tax planning and preparation by going to <a href="http://faithfi.com">FaithFi.com</a> and clicking <a href="https://www.faithfi.com/find">“Find a Professional”</a>. </p><p>Also, it’s helpful to know that the IRS’s own handbook, the <a href="https://www.irs.gov/irm"><i>Internal Revenue Manual</i></a>, usually requires only the last six years of returns to be filed. That’s a helpful limit for those unsure where to begin.</p><h3>The IRS Will Work With You</h3><p>Don’t let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.</p><p>Filing late taxes doesn’t have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?</li><li>We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://kevincrosscpa.com/">Kevin Cross (CPA)</a></li><li><a href="http://irs.gov">Internal Revenue Service (IRS.gov)</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

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.

All jokes aside, failing to file your taxes for several years is no small matter—but it’s not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.

Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).

What If I Haven’t Filed Taxes in Years? with Kevin Cross

<p><i>“And I heard the voice of the Lord saying, ‘Whom shall I send, and who will go for us?’ Then I said, ‘Here I am! Send me.’”</i> - Isaiah 6:8</p><p>The news from the Middle East can be overwhelming, but our hope in Christ calls us to take action. Today, May-Lee Melki from Heart for Lebanon joins us to share how you can help protect young women and girls facing crisis. Then it’s on to your calls at 800-525-7000.</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>Why Lebanon’s Girls Need Us Now</h3><p>Lebanon today is not the Lebanon of a generation ago. Compounded crises have pushed countless families into desperation, and girls ages 13–21 often bear the heaviest burden. Without a father, brother, or male guardian to protect them, they face decisions made for them—decisions that can lock them into abuse for life.</p><p>The urgency has never been higher. These girls can change their country, the region, and the Church—but only if someone intervenes before tragedy strikes.</p><h3>A Concrete Goal: 500 Girls by June 30</h3><p><a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a> has already welcomed 250 at-risk girls into its programs this year. With your help, we can reach the remaining 250 before June 30. The math is simple—and remarkably attainable:</p><ul><li>$114 introduces three girls to Jesus and a pathway to safety.</li><li>$950 opens the door for twenty-five girls.</li><li>Less than $10,000 completes the entire goal.</li></ul><p>Every investment provides:</p><ul><li>Safe spaces & mentorship</li><li>Christ-centered counseling focused on identity and dignity</li><li>Education & vocational training rooted in biblical character and life skills</li><li>Church communities where girls—and, prayerfully, their families—can grow in faith</li></ul><h3>How Your Gift Transforms a Life</h3><p>Recently, Meili met Iman, a 12-year-old refugee forced to work all day for $20 a month—money her father uses for cigarettes. After a chapel session, with tears in her eyes, Iman asked, "Who is Jesus?" That day, she prayed to receive Christ, saying:</p><p><i>“My circumstances may not change immediately, but Jesus will change my heart and be with me.”</i></p><p>Your support keeps Iman in school, surrounds her with Christian counselors, and plugs her into a loving church, offering hope not only to her but to her whole family.</p><h3>Two Ways You Can Help Today</h3><ol><li><strong>Pray:</strong><br /><ul><li>Ask the Lord to protect these girls and soften the hearts of their families.</li><li>Pray for the <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a> staff who daily serve in challenging conditions.<br /> </li></ul></li><li><strong>Give Generously:</strong><br /><ul><li>Text “FAITH” to 98656—we’ll reply with a secure giving link.</li><li>Visit <a href="http://faithfi.com/Lebanon">FaithFi.com/Lebanon</a> to give online.</li><li>Remember: $114 = three girls rescued and discipled in Christ.</li></ul></li></ol><p>Jesus taught, <i>“Where your treasure is, there your heart will be also.”</i> (Matthew 6:21) When you invest in <a href="https://heartforlebanon.org/ff/?utm_source=radio&amp;utm_medium=website&amp;utm_campaign=ff_radio">Heart for Lebanon</a>, you’re putting your heart into something that echoes into eternity—protecting girls from exploitation, introducing them to the Savior, and empowering them to transform their communities for Christ.</p><p>Let’s finish strong. Join us in reaching the final 250 young women before June 30. Together, we can turn desperation into dignity and despair into hope—one precious girl at a time. Give now at <a href="http://faithfi.com/Lebanon">FaithFi.com/Lebanon</a> or text “FAITH” to 98656.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have two financial advisors, and I would like to know which one to work with. One has been with our family for 30 years, but his fees are high. The other has a different investment approach, but his fees are much lower. I’m struggling with the emotional side of potentially changing advisors after such a long-term working relationship. How should I evaluate this situation?</li><li>I have a 13-year-old son who has been earning money doing yard work and has now saved over $2,000. I would like to know the best place for a young teenager to start saving and investing. What would your recommendation be?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://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.stash.com/">Stash</a> | <a href="https://www.acorns.com/">Acorns</a> | <a href="https://www.betterment.com/">Betterment</a> | <a href="https://www.schwab.com/">Charles Schwab</a> | <a href="https://www.fidelity.com/">Fidelity</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>

“And I heard the voice of the Lord saying, ‘Whom shall I send, and who will go for us?’ Then I said, ‘Here I am! Send me.’” - Isaiah 6:8

The news from the Middle East can be overwhelming, but our hope in Christ calls us to take action. Today, May-Lee Melki from Heart for Lebanon joins us to share how you can help protect young women and girls facing crisis. Then it’s on to your calls at 800-525-7000.

​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.

A Critical Need in Lebanon with May-Lee Melki

<p><i>“The wicked borrow but do not pay back, but the righteous is generous and gives.”</i> – Psalm 37:21</p><p>When someone owes you money and doesn’t repay it, emotions can run high—frustration, hurt, and even resentment. Whether it’s a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let’s explore that together.</p><h3>Start with Compassion</h3><p>It’s natural to assume the worst when someone avoids repaying a debt. But Scripture calls us to pause and lead with understanding.</p><p>“Whoever is slow to anger has great understanding, but he who has a hasty temper exalts folly.” – <i>Proverbs 14:29</i></p><p>The person who owes you might be experiencing genuine hardship, such as job loss, medical emergencies, or family struggles. Begin by asking how they’re doing. Show empathy. Offer flexibility, if possible, such as a revised payment plan. This can foster honest dialogue and reflect Christ’s love in action.</p><p>Before confronting the situation, pray. Ask God for wisdom, peace, and soft hearts on both sides. When you enter the conversation with prayerful humility, your response becomes a witness, not just a reaction.</p><h3>Follow Biblical Steps for Conflict</h3><p>If the debtor is a fellow believer and continues to avoid the issue, Jesus outlines a redemptive process in <i>Matthew 18</i>:</p><ol><li>Speak privately to them.</li><li>If unresolved, bring one or two others.</li><li>If the issue remains unresolved, involve the church leadership.</li></ol><p>The goal isn’t shame—it’s restoration. Seek truth and preserve the relationship, creating a path forward instead of building a wall.</p><h3>Should Christians Ever Take Legal Action?</h3><p>In 1 Corinthians 6, Paul warns believers not to sue one another over civil matters, saying, <i>“Why not rather be wronged?”</i> Unity and love matter more than financial recovery. However, this doesn’t mean legal action is never appropriate.</p><p>If fraud, abuse, or serious legal injustice is involved, Romans 13 affirms that civil authorities exist to uphold justice. Seeking legal recourse in these situations may be necessary, especially if livelihoods are at stake. Just be sure your motivation is fairness, not revenge.</p><h3>The Bigger Picture</h3><p>Regardless of the outcome, Jesus commands us to forgive:</p><p>“Whenever you stand praying, forgive, if you have anything against anyone…” – <i>Mark 11:25</i></p><p>Forgiveness doesn’t ignore the debt—it chooses not to hold bitterness. Sometimes it leads to repentance; other times, it simply frees your heart.</p><p>Unpaid debt is frustrating—but temporary. Relationships, witness, and Christlike character endure. Ask not only, <i>“How can I get this money back?”</i> but <i>“How can I reflect Jesus in this moment?”</i> Generosity and forgiveness point to a Savior who forgave us when we had nothing to repay.</p><h3>Want to Go Deeper?</h3><p>This topic is explored further in our <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a> magazine. You can receive each quarterly issue by becoming a <a href="https://www.faithfi.com/give">FaithFi Partner</a>—just $35/month or $400/year at<a href="https://www.faithfi.com/give"> FaithFi.com/Give</a>. Your support helps equip more believers for faithful stewardship.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm in my 50s and want to buy a house. I have money saved for a down payment, but I'm unsure about two things. First, should I continue saving for a larger down payment or buy now with the money I have? Second, I want a mortgage, but I would like to know whether I should choose a shorter or longer mortgage term. I'm 54 years old, so I'm thinking about my timeline for paying off the mortgage.</li><li>My brother and sister had a trust together with three houses. My sister has since passed away, and my brother is still alive. The trust already has money in it, and my brother is thinking about selling one of the houses. I would like to know: Does the money from the house sale have to be returned to the trust, or can my brother keep it?</li><li>I'm about to start Social Security at my full retirement age in two months. My wife is considering taking Social Security at age 62. My question is about what happens if I pass away before her. If she's already receiving a reduced spousal benefit, will she then get 100% of my benefit at the new reduced amount, or will she be stuck with the same reduced percentage?</li><li>My wife and I have a local revocable trust with property and investments. We're considering relocating to an Illinois senior living facility. I'm concerned: Will the state have any way to access our money and property?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (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 wicked borrow but do not pay back, but the righteous is generous and gives.” – Psalm 37:21

When someone owes you money and doesn’t repay it, emotions can run high—frustration, hurt, and even resentment. Whether it’s a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let’s explore that together.

How Should A Christian Respond When Someone Owes Them Money?

<p><i>“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.”</i> — Ecclesiastes 2:23</p><p>That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn’t bring peace—often, it brings more pressure. But Scripture offers a better way.</p><h3>What’s Driving All That Effort?</h3><p>It’s easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What’s driving all that effort?</p><p>In Ecclesiastes 2:18, the Preacher writes, <i>“I hated all my toil... seeing that I must leave it to the man who will come after me.”</i> He isn’t condemning hard work—he’s grieving that all he’s built will one day be handed off, possibly to someone who won’t value or steward it well.</p><p>That’s where sorrow begins—not in failure, but in success without peace. <i>“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest”</i> (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety.</p><p>What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain.</p><h3>Jesus’ Warning About Bigger Barns</h3><p>Jesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? <i>“Take life easy—eat, drink, and be merry.”</i> To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: <i>“The things you have prepared, whose will they be?”</i></p><p>What’s even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn’t someone who earned the wealth—he simply wanted his share, and maybe more. Jesus’ warning is clear: a greedy heart isn’t the only danger. An entitled heart is just as spiritually destructive. And that’s exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn’t labor for it and may not know how to handle it wisely.</p><p>We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn’t money itself, it’s the absence of wisdom alongside it.</p><h3>A Better Definition of Success</h3><p>That’s why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose.</p><p>But here’s the good news—Ecclesiastes doesn’t leave us in despair. In verse 26, we read, <i>“To the one who pleases Him, God has given wisdom and knowledge and joy.”</i> The solution isn’t to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all.</p><p>When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God’s Kingdom. Accumulation loses its grip, and generosity takes root. That’s when real joy begins.</p><p>So, ask yourself today: <i>Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace Himself?</i></p><p>Because in the end, peace doesn’t come from what we’ve earned. It comes from who we trust.</p><h3>A Resource to Go Deeper: <i>Wisdom Over Wealth</i></h3><p>Now, if you’re wrestling with these questions, we’d love to help. That’s why we’re excited to offer our brand-new Bible study based on Ecclesiastes called <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a><i>.</i> It dives deeper into this theme of dethroning the idol of accumulation and learning to live with contentment and purpose.</p><p>This month, when you support the ministry of FaithFi with a gift of $35 or more, we’ll send you <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a> as our way of saying thank you. Just head over to<a href="https://faithfi.com/wisdom"> FaithFi.com/wisdom</a> to request your copy.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I bought a house a year ago, and my primary goal is to pay off the mortgage as quickly as possible. I’m wondering if I should pause my 15% retirement contributions to accelerate my debt payoff goal or continue contributing to retirement while also working towards being debt-free.</li><li>I want to understand the right markup for my business. I’m an electrician. What would be a reasonable general number for a company like mine to ensure I’m covering my costs and generating a profit?</li><li>I opened a Roth IRA because I don't have to make required minimum distributions. When my children inherit my Roth IRA, do they have to make withdrawals? I want to understand the inheritance.</li><li>I’m wondering about the $8,000 maximum Roth IRA contributions for those over 50. Is the $150,000 income limit based on my income alone or my combined income with my wife?</li><li>I’m considering retiring at 65 even though my full Social Security retirement age is 67. If I live off my 401(k) for 2 years and don’t register for Social Security, will my benefits continue to grow?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://movement.com/faith?_branch_match_id=1461440077146990110&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="http://ssa.gov">Social Security Administration (SSA.gov)</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>

“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23

That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn’t bring peace—often, it brings more pressure. But Scripture offers a better way.

Wisdom Over Wealth: Idolizing Accumulation

<p>What if being great with money doesn’t guarantee you’re doing great with your spouse?<br /><br />If you’re the “money person” in your marriage, you may think you’re doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be.</p><p>Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of <a href="https://www.amazon.com/Thriving-Love-Money-Game-Changing-Relationship/dp/076423255X/ref=sr_1_12?crid=5BBAWZW4OBKX&amp;dib=eyJ2IjoiMSJ9.__9diSCBjGwQu948jFa2vZmKTOiYOxyQtI8HaTnG6SMwI67wKp_Z_qAiVcN88Inyl_OtPiW5S1LQfP-NawAdQFSGBmyzpRIM29hoe3qlFhPaYGZv2C3bfeZ11WxxU1ehqqm_H2QHbhl-GIdBx_wRQtcWCDYwzhFSLU58t9gXF0hn9iDtSmdS6Ba0h-o0cDjyOxiXHgPw9JcwOtdzR0bedGnQvwstmZxgw0wd9OWrNKgSkCmeCkS6Tr0ZTHFggJUlCrvksp3jD1N0_ytjjYLZLKa80RMXmJ7Pzxe4BC5FWt6MCPLpLkGEp44EP1uBNWrnvUz2aGStZn_vk4FYDLMoZ4sdc3iVJP0WDBK7S8LMiNWoLNot8bDg9dbaJjt3cuwITna1Q2Rm80-wIh1fmgcatCPjf1wJOeQGrelaAw07UeBsMUN7mGk_YQVg5B8IT5Nh.91NSOCx6fEocALEVyES1bzS5LRmh1-Ji75LMDIahmAw&amp;dib_tag=se&amp;keywords=shaunti+feldhahn&amp;qid=1737575705&amp;sprefix=shaunti+f%2Caps%2C104&amp;sr=8-12"><i>Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself</i></a>, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace.</p><h3>Honor What Your Spouse Values</h3><p>Money-minded individuals often unknowingly send the message that their spouse’s financial opinions don’t matter. Even with good intentions and solid planning, failing to honor what your spouse values can damage not just your finances but your marriage.</p><p>Spouses who handle the finances might assume they’re right and the other is wrong. That unspoken belief, even if subtle, can lead one partner to feel dismissed—and that’s a dangerous place to be.</p><p>About two-thirds of spouses believe they know better than their partner how to manage finances. This is similar to how most people think they’re above-average drivers—statistically improbable, but psychologically common.</p><p>While it’s okay to have differing financial opinions, it becomes a problem when one partner consistently feels unheard or undervalued. Many “money people” may not even realize they’re doing this, but over time, it fosters resentment and undermines trust.</p><h3>Different Values, Different Priorities</h3><p>More than 80% of couples have differing financial values, which are often rooted in their childhood experiences, temperaments, or faith priorities.</p><p>For instance, one spouse may believe saving for college is urgent and non-negotiable. The other may feel that making memories with their children while they are young, such as taking a trip to Disney, is equally important. Neither is wrong. They're just different.</p><p>The danger lies in assuming that one value system is superior. If one spouse feels their values are constantly being overlooked, resentment can quietly grow until it spills over into other areas of the relationship.</p><p>The real danger isn’t only in the budget—it’s in the relationship.</p><p>If one person starts to feel like their opinions don’t matter, it doesn’t just affect money decisions. It becomes a marriage issue.</p><p>And this dynamic can even show up in financial advisor meetings, where professionals may unintentionally direct conversations toward the more financially-minded spouse. This reinforces the problem and risks charting a course toward relational misalignment.</p><h3>Three Steps Toward Greater Financial Unity</h3><p>In her article for Faithful Steward, Shaunti offers three practical steps to bring both voices to the table:</p><ol><li><strong>Ask Each Other a Simple Question</strong><br /><br />At a neutral time—say, over morning coffee—ask:<br /><br /><i>“On a scale of 1 to 5, how heard and valued do you feel in our financial decisions?”</i><br /><br />If the answer isn’t a 5, it’s a red flag—time for a deeper conversation.<br /> </li><li><strong>Treat Less-than-Perfect Answers Seriously</strong><br /><br />A “3” or “4” means something isn’t connecting. Don’t ignore it. The goal is for both spouses to feel their voice and values are part of the plan, even when you disagree.<br /> </li><li><strong>Explore Your Financial Values Together</strong><br /><br />Chapter 3 of her book, <a href="https://www.amazon.com/Thriving-Love-Money-Game-Changing-Relationship/dp/076423255X/ref=sr_1_1?crid=35CCYU1AW4Q4Q&amp;dib=eyJ2IjoiMSJ9.28HLTvpEhgCCfmb_CzMXLaob9OYsOYTzXSSHwLdpjT7Tlanz3kBZFUmotq7igOfhU-0ouiGH22C3_6Z1RZ13SJnN0CcPw9-l4fphBy2Ec99-jHu__-lNnoNpqVbiZR9QkdeY8TyeL0u87qyNmXuOUkmoNVz6M665BR3QAX86E1fumixEFPIT1sMNYghPciImQA-zTcfjodPEqBJcmcwkCFgMgS0jGoF8JAFaGcArvQA.s4AUBwYNDVvlNYhiS7D5n2pIzD6zkQHBtkzv9_oczYw&amp;dib_tag=se&amp;keywords=thriving+in+love+and+money&amp;qid=1749671728&amp;sprefix=thriving+in+love+and+mone%2Caps%2C109&amp;sr=8-1"><i>Thriving in Love and Money</i></a>, maps out different “money values”—how people view experiences vs. things, time vs. money, or convenience vs. frugality. Shaunti encourages couples to read the chapter together (or separately with notes in the margins) to uncover hidden assumptions.</li></ol><h3>Real-Life Insight: The $1.50 Lesson</h3><p>Shaunti also shares a personal example: she values time and convenience, so she’s happy to pay an extra $1.50 per movie ticket to reserve seats in advance. Jeff, her husband, sees that as unnecessary—he’d rather arrive early to save money.</p><p>Neither is “right.” However, understanding each other’s values helped them approach decisions with greater ease and grace, rather than conflict.</p><p>Remember, resentment is like a slow leak—it can go unnoticed until the tire blows out. But the antidote is simply listening with love and curiosity.</p><p>You can read her full article in <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a>, our quarterly magazine designed to help you connect your faith with your finances. To receive four issues a year, along with our newest Bible studies and devotionals, become a FaithFi partner 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 a veteran receiving $1900 a month in benefits. I recently paid a penalty on my Social Security premium. I would like to know if there is any way this penalty can be waived due to my hardship situation.</li><li>I have some stock that I want to sell, but I want to donate it to a charity so I don’t have to pay taxes. Can you tell me how to do this?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.amazon.com/Thriving-Love-Money-Game-Changing-Relationship/dp/076423255X/ref=sr_1_1?crid=35CCYU1AW4Q4Q&amp;dib=eyJ2IjoiMSJ9.28HLTvpEhgCCfmb_CzMXLaob9OYsOYTzXSSHwLdpjT7Tlanz3kBZFUmotq7igOfhU-0ouiGH22C3_6Z1RZ13SJnN0CcPw9-l4fphBy2Ec99-jHu__-lNnoNpqVbiZR9QkdeY8TyeL0u87qyNmXuOUkmoNVz6M665BR3QAX86E1fumixEFPIT1sMNYghPciImQA-zTcfjodPEqBJcmcwkCFgMgS0jGoF8JAFaGcArvQA.s4AUBwYNDVvlNYhiS7D5n2pIzD6zkQHBtkzv9_oczYw&amp;dib_tag=se&amp;keywords=thriving+in+love+and+money&amp;qid=1749671728&amp;sprefix=thriving+in+love+and+mone%2Caps%2C109&amp;sr=8-1">Thriving in Love and Money: 5 Game-Changing Insights About Your Relationship, Your Money, and Yourself by Shaunti and Jeff Feldhahn</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</a></li><li><a href="https://www.fidelity.com/">Fidelity</a> | <a href="https://www.schwab.com/">Charles Schwab</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 if being great with money doesn’t guarantee you’re doing great with your spouse?

If you’re the “money person” in your marriage, you may think you’re doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be.

Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace.

Don’t Leave Your Spouse Out of the Money Conversation with Shaunti Feldhahn

<p><i>“For you know how, like a father with his children, we exhorted each one of you and encouraged you and charged you to walk in a manner worthy of God, who calls you into his own kingdom and glory.”</i> - 1 Thessalonians 2:11-12</p><p>With Father’s Day approaching, we’re asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? Jonathan Lewis from Fathers for Fathers joins us to talk about fatherhood, faith, and the financial discipleship that shapes generations.</p><p>Jonathan Lewis is a Certified Exit Planning Advisor (CEPA®), a <a href="https://kingdomadvisors.com/">Certified Kingdom Advisor (CKA®)</a>, and President of <a href="https://www.eastportfinancialgroup.com/">Eastport Financial Group Inc.</a> He is also the founder of <a href="https://fathersforfathersusa.org/">Fathers for Fathers</a>, a faith-based organization dedicated to restoring hope, healing, and purpose in the lives of men, especially fathers. </p><h3>A Story Redeemed</h3><p>When Jonathan was 15, he experienced a trauma no child should face—dragging his father’s lifeless body onto a beach in Nova Scotia after a drowning accident. That moment became a fracture point in his life, leading to years of instability, homelessness, guilt, and emotional isolation.</p><p>But out of those ashes came clarity: a calling to reach other men who feel lost, alone, and ashamed. His ministry, <a href="https://fathersforfathersusa.org/">Fathers for Fathers</a>, is a direct response to the epidemic of fatherlessness and emotional isolation plaguing men today.</p><h3>The Epidemic Few Talk About</h3><p>84% of men say they don’t have a single person they can talk to.</p><p>Guys have been trained to withdraw, but we need each other. If you’re listening and feel like you’ve failed as a father, or you don’t even have the strength to keep going, you’re not alone. You can do this, but not by yourself.</p><p>The solution is community and accountability. And for men who <i>do</i> have a support system, pursue others. Don’t take the first 12 ‘no’s as a brush-off. Broken men want to be pursued. They’re just afraid.</p><h3>What Does Faithful Fatherhood Look Like?</h3><p>So, what does it mean to be a successful father?</p><p>First, if you’re still breathing, your story isn’t over. You haven’t missed your chance.</p><p>Using a football analogy from <a href="https://fathersforfathersusa.org/">Fathers for Fathers’</a> upcoming study, life can be described as a game we’re all born into—on the wrong team. But we don’t have to stay there. Through Jesus Christ, we’re invited to join the winning team. But it requires repentance, humility, and a willingness to fight.</p><p>And it often starts with small steps.</p><h3>Practical Steps Toward Restoration</h3><p>For divorced dads and those estranged from their children, you may think there’s no way back. But there is. If you’re not in your kids’ lives, start. If you haven’t supported their mom, own it. If you’ve been battling secret sin—confess it.</p><p>These are hard words, but they’re spoken with deep compassion. God will honor you when you honor Him. This ministry isn’t about beating men up. It’s about helping them get back in the game.</p><h3>Stewardship Starts at Home</h3><p>Stewardship isn’t just about money. If you’re generous with your wealth but not your love or your time, you’ve missed the point.</p><p>Stewardship begins with the way a man loves and leads his family, especially his wife. When reading Ephesians 5, men might say, ‘I’d take a bullet for my wife.’ But Christ calls us to something harder: dying to ourselves daily.</p><p>Stewardship, then, is about priorities: honoring God with your money, your time, your attention, and your affection.</p><h3>A Prayer for Dads</h3><p>If you’re a father or a man who feels discouraged, who is ready for more, and who is just hanging on. Pray this out loud:</p><p><i>“Lord, I pray that Your Spirit would touch the heart of the man listening who thinks he’s too far gone. Remind him that nothing can separate us from Your love, not even failure. Let him know Jesus already put on the jersey for him. I pray for courage, for repentance, and for grace. Thank you for the scandalous grace that says You would’ve sent Jesus for just one man. You sent Him for all of us.”</i></p><p>If you’re a father who feels broken, or if you know one, visit<a href="https://fathersforfathers.org"> FathersForFathers.org</a>. You’ll find tools, encouragement, and a brotherhood of men committed to healing and hope.</p><p>This Father’s Day, let’s not just celebrate the dads who’ve done it right. Let’s rally around the men who are trying to get it right, one step at a time.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m curious about nursing home costs and what happens to my parents' assets. I learned that Medicare covers limited skilled nursing care, and Medicaid restricts asset access, meaning my siblings and I likely won’t be able to access their money while they’re in a nursing home.</li><li>I’m currently working and planning to retire soon. How could I invest in ways that align with my faith and ensure I'm not supporting companies that go against my beliefs?</li><li>I wanted clarification on fixed indexed annuities. I wasn’t familiar with them and wanted to understand if they were a good investment option.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://fathersforfathersusa.org/">Fathers For Fathers</a></li><li><a href="https://www.faithandinvesting.com/faithfi/">List of Faith-Based Investment Funds</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 how, like a father with his children, we exhorted each one of you and encouraged you and charged you to walk in a manner worthy of God, who calls you into his own kingdom and glory.” - 1 Thessalonians 2:11-12

With Father’s Day approaching, we’re asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? Jonathan Lewis from Fathers for Fathers joins us to talk about fatherhood, faith, and the financial discipleship that shapes generations.

Jonathan Lewis is a Certified Exit Planning Advisor (CEPA®), a Certified Kingdom Advisor (CKA®), and President of Eastport Financial Group Inc. He is also the founder of Fathers for Fathers, a faith-based organization dedicated to restoring hope, healing, and purpose in the lives of men, especially fathers.

Stewarding Fatherhood Well with Jonathon Lewis

<p>Proverbs 16:16 says, <i>“How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.”</i><br /><br />In a world that chases wealth as the ultimate goal, Scripture calls us to something better—wisdom. Because without godly wisdom, even abundance can lead us astray. Today, Jim Newheiser joins us to explore why wisdom, not money, is the true measure of success in God’s economy. <br /><br />Dr. James (Jim) Newheiser, Jr., is the Director of the <a href="https://rts.edu/degrees/#MACC">Christian Counseling Program</a> and Professor of Christian Counseling and Pastoral Theology at <a href="https://rts.edu/">RTS Charlotte</a>. He is also the author of several books on the subject of counseling, as well as <a href="https://www.amazon.com/Money-Seeking-Wisdom-31-Day-Devotionals/dp/1629954977/ref=sr_1_7?crid=1IEQJI2LGIBAA&amp;dib=eyJ2IjoiMSJ9.zkD5RGla2RHFKTnNE2AJ4EStRrBm9CL0BCxfzFkSu6FAWHyoV94e_-P6QAEd8n3f-IzMJSOShB7dBQkyja1G1qF5hOTPNHr5qD42m3dON4KB639pceSuUtNUHy0CcnFjYgLzzj4G7pNaqchO0kPi4K03W5smhC5CHPYKJY6bRpfe9aaRbW7xuP8BSuC3ZXwAjRYGV6tw19uuoc8zyzxr3LwAlBNimZSWa1IyMj7Lfb8.XfaiUa3s9U_ir2u-TJB2FWgR9OHRBzAralxmc-qXzYI&amp;dib_tag=se&amp;keywords=jim+newheiser+books&amp;qid=1749080745&amp;sprefix=jim+ne%2Caps%2C138&amp;sr=8-7"><i>Money: Seeking God’s Wisdom (31-Day Devotionals for Life)</i></a>.</p><h3>Investing in What Satisfies</h3><p>Isaiah 55:2 details an account where the Lord asks, <i>“Why do you spend money for what is not bread, and your wages for what does not satisfy?”</i> It’s a poignant reminder that many of us chase things that leave us empty. How we spend our time and money reflects what we value. Yet so often, those values are shaped by a world that overpromises and underdelivers.</p><p>Instead of finding fulfillment in wealth, ultimate satisfaction comes from our relationship with God and the good gifts He provides. Time spent in Scripture, prayer, and worship is far more nourishing than any financial gain. Even the principle of rest in Scripture is God’s reminder that we don’t need to fill every waking moment with striving.</p><h3>Wisdom or Wealth? A Tale of Two Women</h3><p>The book of Proverbs is interesting because in this compilation in Scripture, wisdom is personified as a noble woman worth pursuing, while folly appears as a seductive but destructive adulteress. Proverbs sets up a contrast because Lady Wisdom is like the soul’s true bride. She brings joy and delight. But Madame Folly, who represents false promises like the pursuit of money for its own sake, is spiritual adultery, and she leads to misery.</p><p>The point is clear: what we pursue will shape us. Chase wisdom, and you’ll find joy and lasting purpose. Chase wealth, and you may find yourself grasping at the wind.</p><h3>Applying Wisdom in Daily Life</h3><p>How do we actually live out this pursuit of wisdom over wealth? For someone who’s not used to reading Scripture regularly, it can start with just two pages a day or with a chapter of Proverbs a day. Ask God to speak to you through it.</p><p>God has promised something far better than material wealth—His presence, His wisdom, and His joy.</p><p>There’s such a huge connection between our hearts and our money, and God is ultimately after our hearts.</p><p>If you’re ready to go deeper in your walk with God by rethinking your financial life through the lens of biblical wisdom, <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a> is a great place to start. This new 12-lesson study from FaithFi, based on Ecclesiastes, unpacks how true joy isn’t found in accumulation but in reverence, surrender, and trust.</p><p>You can receive a copy of <a href="https://www.faithfi.com/shop/wisdomoverwealth"><i>Wisdom Over Wealth</i></a> when you become a <a href="https://www.faithfi.com/give">FaithFi Partner</a>. Your monthly gift of $35, or annual gift of $400, helps us continue to share biblical financial wisdom across the globe. Visit <a href="http://faithfi.com/give">FaithFi.com/give</a> to partner with us today.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?</li><li>We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We really want to pay off this card, but we can't make any progress. What can we do?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.amazon.com/Money-Seeking-Wisdom-31-Day-Devotionals/dp/1629954977/ref=sr_1_6?crid=1IEQJI2LGIBAA&amp;dib=eyJ2IjoiMSJ9.zkD5RGla2RHFKTnNE2AJ4EStRrBm9CL0BCxfzFkSu6FAWHyoV94e_-P6QAEd8n3f-IzMJSOShB7dBQkyja1G1l7T7fEIF4ADex82gh-pq8OWKaxdA0lAt3y8dS9XN4yzYgLzzj4G7pNaqchO0kPi4O6ZTUNlV9NafXIDs4RWt5ucOvn682b938cHXwjf03mgF1fn8L_Har0MrSexbJQfSnu5dOvbU6FUQiSyenYHEDs.JkhQkXbsugh4MWAyFEO53DE8pLlxsQEZdGTxbJ_QpVA&amp;dib_tag=se&amp;keywords=jim+newheiser+books&amp;qid=1749080587&amp;sprefix=jim+ne%2Caps%2C138&amp;sr=8-6">Money: Seeking God's Wisdom (31-Day Devotionals for Life) by Dr. Jim Newheiser</a></li><li><a href="https://www.selectquote.com/">SelectQuote</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</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>

Proverbs 16:16 says, “How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.”

In a world that chases wealth as the ultimate goal, Scripture calls us to something better—wisdom. Because without godly wisdom, even abundance can lead us astray. Today, Jim Newheiser joins us to explore why wisdom, not money, is the true measure of success in God’s economy. 

Dr. James (Jim) Newheiser, Jr., is the Director of the Christian Counseling Program and Professor of Christian Counseling and Pastoral Theology at RTS Charlotte. He is also the author of several books on the subject of counseling, as well as Money: Seeking God’s Wisdom (31-Day Devotionals for Life).

Seeking God’s Wisdom with Dr. Jim Newheiser

<p>Missionary Amy Carmichael once expressed a powerful truth: <i>“You can give without loving, but you cannot love without giving.”</i></p><p>That quote reminds us that generosity isn’t just something we <i>do</i>—it reflects who we <i>are</i> in Christ. So, how do we grow into more joyful, intentional givers? Today, we’ll talk with Ron Blue about what he calls “living giving”— and how that mindset can bring real financial freedom.<br /><br />Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably <a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=tmm_pap_swatch_0?_encoding=UTF8&amp;dib_tag=se&amp;dib=eyJ2IjoiMSJ9.Yo8VELhdcDg8vIoMv5NLkQC2zGR-h1ZFu1tOjpqoCEwVh3c81MKw-CGeLxc-jklFt74y-G7dm7JrtXbZ0AyWp4OTxdP2Di-llZT9si6uv8uu42hwB_TEi1RApxhL6w7QX3oHdXzpRkFsqg3h9xqQqN4pnnHAd1Ceu2n3t-dc6nTb2JYHcxYmr3pAwIhphwOBKqDli1jaE6Lsb-YSTyCIux4wTMW6c6VbNsCyqmRaGX0.Et8VzTeNDid_b-nZAH6gE_dtvvEHJUQKiAnx5b1d_mU&amp;qid=1717194853&amp;sr=8-1"><i>Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.</i></a></p><h3>Giving Is a Spiritual Decision</h3><p>Giving reflects our trust in God. When we give—and give first—we’re saying, <i>“Lord, You gave this to me, and I’m returning to You what’s already Yours. I trust You to meet my needs.”</i></p><p>It’s a profound shift in perspective. Instead of centering our financial lives on ourselves, giving reorients our hearts toward God’s purposes. It stretches our faith and loosens money’s grip on our hearts. It doesn’t shrink your life—it expands it.</p><p>Ron Blue classically says, <i>“Do your giving while you’re living so you’re knowing where it’s going.”</i> That’s more than a catchy phrase. It’s a philosophy rooted in joy. Too many people wait until death to make significant gifts, missing the delight of seeing God work through their generosity in real time.</p><p>There’s something deeply joyful about watching God use what you’ve given. It’s not just about writing a will—it’s about living with open hands.</p><h3>True Financial Freedom Starts With Open Hands</h3><p>Think of your money like a closed fist or an open hand. When your fist is closed, you’re trying to control or keep what you think is yours. But when you open your hand, you’re saying to God, <i>“This is Yours. Use it as You will.”</i></p><p>That’s what true financial freedom looks like—not merely having enough, but being free from money’s control altogether. God doesn’t need our money, He wants our hearts. And He knows that money is one of the greatest competitors for our love.</p><p>As you reflect on your own financial life, maybe it’s time to stop asking, “<i>How much do I have to give?”</i> And start asking, “<i>How can I use what I’ve been given to glorify God—right now?”</i></p><p>You can find Ron’s book <a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=sr_1_1?crid=2BPX52FZV91PI&amp;dib=eyJ2IjoiMSJ9.Yo8VELhdcDg8vIoMv5NLkcNAN90ilqgMvuVxCFGPQ5D1R5Du2-p5NuypMNrcbIK6NjKsa733wA9HNHMO9-ni4yyprnhBzokoleKbA6ZaR29T9QtKFl_A7UfYhLzevTnVeE6ehGQzHSDchy_nVPPSeLOcwz_h8nPi6DcKoq7Yme8DpeSBF-9NX3bbP2iB7dPuAWZYMyOr6Cghil4IHxZmGpzSD1qvN8vf1aImUbDaq8E.6UReVEas6BqFafteDjVAHc_1A3wWCdV-m-CpRJFqV_w&amp;dib_tag=se&amp;keywords=master+your+money&amp;qid=1749056956&amp;sprefix=master+your+money%2Caps%2C144&amp;sr=8-1"><i>Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment</i></a> wherever books are sold.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I use a donor-advised fund for charitable contributions and would like to contribute to a mission trip that my church is organizing. I'm wondering if it’s legal from an IRS standpoint to contribute directly to an individual going on a mission trip, or do I give it to the mission fund?</li><li>I’m paying off a credit card after my mom’s death, which costs me $320 a month. I have two options: continue with my current plan or have my wife assist me in paying it off. I wanted to get advice on which approach would be the best to help pay it off.</li><li>I sell items on eBay, and I’m confused about my tax reporting. When preparing my 2024 taxes, eBay flagged me about my 1099-K, stating that I didn’t make enough to require the form. Do I need to add this to my Social Security? As I look online, I’ve just gotten more confused about different reporting requirements.</li><li>I’m taking an early retirement, and I understand that I can only earn $24,300 before it impacts my Social Security. It looks like I’m going to go over that amount by just a bit. Do they tax anything over the $24,300, or do they tax the whole amount?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.amazon.com/Master-Your-Money-Step-Step/dp/0802414516/ref=pd_ci_mcx_mh_mcx_views_0_image?pd_rd_w=vfqNg&amp;content-id=amzn1.sym.bb21fc54-1dd8-448e-92bb-2ddce187f4ac%3Aamzn1.symc.40e6a10e-cbc4-4fa5-81e3-4435ff64d03b&amp;pf_rd_p=bb21fc54-1dd8-448e-92bb-2ddce187f4ac&amp;pf_rd_r=WYE6AVCNQ707Y6X1PZ89&amp;pd_rd_wg=KMG0k&amp;pd_rd_r=47e611ec-647c-43b5-9266-036c66250d77&amp;pd_rd_i=0802414516">Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1446488151751855608&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (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>

Missionary Amy Carmichael once expressed a powerful truth: “You can give without loving, but you cannot love without giving.”

That quote reminds us that generosity isn’t just something we do—it reflects who we are in Christ. So, how do we grow into more joyful, intentional givers? Today, we’ll talk with Ron Blue about what he calls “living giving”— and how that mindset can bring real financial freedom. 

Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, most notably Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment.

Living Giving: How Generosity Leads to Freedom with Ron Blue

*“I said in my heart, ‘Come now, I will test you with pleasure; enjoy yourself.’ But behold, this also was vanity.”* — Ecclesiastes 2:1

What happens when someone has the power to indulge in every pleasure the world can offer? In Ecclesiastes, we find one of Scripture’s boldest experiments: a search for lasting joy through earthly delights. The Preacher—often thought to be Solomon—pursues laughter, wine, work, wealth, sex, and success, all in an effort to answer one question: Can pleasure truly satisfy the human soul?



### A Culture Chasing the Wind



Today, we live in a world that echoes the Preacher’s experiment. *“Treat yourself.” “Follow your heart.” “Do what makes you happy.”* These aren’t just slogans—they’re mantras for modern living. From the vacations we plan to the gadgets we unbox, we’re told that happiness is just one more swipe, scroll, or splurge away.

But Ecclesiastes challenges that narrative. It forces us to wrestle with a deeper question: What if pleasure doesn’t lead where we think it does?

The Preacher’s pursuit wasn’t careless. It was a deliberate, calculated test. He writes, *“Whatever my eyes desired I did not keep from them”* (Ecclesiastes 2:10). He built houses, planted vineyards, created lush gardens, hired singers, amassed wealth, surrounded himself with comfort—even concubines.

This wasn’t indulgence for indulgence’s sake. It was a methodical pursuit of happiness. Today, we might say: *“If it looked fun, I bought it. If it felt good, I did it.”* The experiment was thorough, and the results were heartbreaking.

*“Behold, all was vanity and a striving after wind.”* — Ecclesiastes 1:14



### The Thrill Fades



To picture this, imagine a bag of old receipts. Each one once captured a moment of excitement—a new purchase, a fancy dinner, a spontaneous trip. But now? They’re just scraps. The joy is gone.

That’s exactly what the Preacher realized. Pleasure was never meant to carry the weight of our deepest needs. It promises fulfillment but delivers only fleeting escape. It’s like trying to hold smoke in your hands—real for a moment, then gone.

The Preacher’s story finds a parallel in Jesus’ parable of the prodigal son. The younger son squandered his inheritance chasing worldly pleasures, only to end up broke and broken. The twist? The Preacher had everything the prodigal son dreamed of—wealth, opportunity, indulgence—and yet he ended up just as empty.

Different paths. Same conclusion.



### A Warning That Leads to Freedom



Here’s the grace in all this: We don’t have to repeat the experiment. The Preacher’s pain can be our wisdom. He’s waving us down from the road ahead, saying, *“There’s nothing here. Don’t waste your life chasing shadows.”*

That’s a gift. It frees us to reflect:



- What am I turning to when I feel tired or discouraged?

- What “quick fixes” do I reach for without thinking?

- What would it look like to seek joy in God instead?

God is not against pleasure. He is the Creator of joy and the Giver of every good and perfect gift (James 1:17). But those gifts were never meant to replace Him. When we look to pleasure as the destination rather than a signpost to the Giver, we miss the point—and our hearts remain restless.

So next time you reach for something to lift your spirits, ask: Is this joy, or just escape? Is this feeding my soul, or simply distracting it?



### A Better Way to Live



Ecclesiastes doesn’t just warn—it redirects. It helps us tear down the idol of pleasure and place our hope in a Person, not a product. And that Person—our God—is the only source of joy that doesn’t fade.

At [FaithFi](https://www.faithfi.com/), we want to help you explore this truth more deeply. That’s why we created [*Wisdom Over Wealth*](https://www.faithfi.com/shop/wisdomoverwealth), a Bible study on Ecclesiastes that unpacks themes like pleasure, wealth, and contentment from a biblical lens.

This month, when you support [FaithFi’s ministry](https://www.faithfi.com/give) with a gift of $35 or more, we’d love to send you a copy as our way of saying thank you. Just visit [FaithFi.com/wisdom](http://faithfi.com/wisdom) to request your copy today.



### On Today’s Program, Rob Answers Listener Questions:

- I’m wondering if it’s better for my husband, who just retired, to take Social Security now or wait two more years, which would mean withdrawing about $96,000 from our 401(k) during those two years to cover our living expenses.

- I have a nonprofit property I want to sell, and I’m planning on giving the proceeds to another 501(c)(3) organization. Since I’m not very experienced with this process, are there any specific forms or steps I need to take at the closing of the sale? 

- I recently made a claim for a new roof, and my insurance went up. Do insurance companies research when you’ve made a claim on the internet or through a database? I was told by two roofers I didn't need a new roof, but the insurance company insisted I did. 

- I have some money in a credit union that I want to move somewhere to earn more interest. I just discovered I can use my Fidelity account for investing, and they’re offering 4%.  I’m wondering about the difference between keeping my money in my Fidelity account or moving it to an online bank, and what the benefits might be.



### Resources Mentioned:

- [Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)](https://faithfi.com/give)

- [Comprehensive Loss Underwriting Exchange (C.L.U.E.)](https://consumer.risk.lexisnexis.com/consumer)

- [Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)](https://www.faithfi.com/shop/wisdomoverwealth)

- [Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety](https://www.faithfi.com/sparrows)

- [Rich Toward God: A Study on the Parable of the Rich Fool](https://www.faithfi.com/rtg)

- [Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)](https://www.faithfi.com/find)

- [FaithFi App](https://www.faithfi.com/manage)

<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>

Wisdom Over Wealth: Idolizing Pleasure

<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.” - 2 Corinthians 8:9</i></p><p>This powerful verse is often quoted when we talk about generosity, and rightly so. It shows us that generosity isn’t just a financial principle—it’s rooted in the very heart of the Gospel. Today, Dr. Nathan W. Harris joins us to explore that connection more deeply.</p><p>Dr. Nathan W. Harris is the Vice President of Strategic Initiatives at <a href="https://umobile.edu/">The University of Mobile</a> in Mobile, Alabama. He is also the author of <a href="https://www.bhpublishinggroup.com/product/a-short-guide-to-gospel-generosity-2/#flipbook-sampler/"><i>A Short Guide to Gospel Generosity: Giving as an Act of Grace</i></a>.</p><h3>What Is Gospel Generosity?</h3><p>Gospel generosity is giving rooted in the good news of salvation through Jesus Christ. Generosity is not merely a virtue for the Christian life but a cheerful disposition that springs forth from the gospel. This kind of generosity arises from new life in Christ, is empowered by the Holy Spirit, and reflects the Father’s model of grace throughout creation.</p><p>At its core, gospel generosity isn’t just about giving—it’s about proclaiming and portraying Christ’s saving work in our lives. It signifies a radical transformation of a believer’s heart and mind, leading to joyful stewardship of resources in service to God’s kingdom.</p><h3>Beyond the Tithe: A Higher Calling</h3><p>One of the most debated topics surrounding generosity is the concept of tithing. Are Christians called to tithe, or is there a greater expectation?</p><p>While tithing—giving 10%—is not explicitly required for Christians, the gospel calls us to something far greater. We aren’t obligated to give; instead, Christians have an incredible gospel opportunity. We are called to live generously, humbly, selflessly, and with the kingdom of God in mind.</p><p>This perspective reframes giving not as a rule to follow but as an act of grace and worship, rooted in gratitude for what Christ has done.</p><h3>How the Gospel Transforms Our View of Money</h3><p>The gospel transforms our hearts and minds and revolutionizes how we approach money and stewardship. Martin Luther once said:<br /><br /><i>“There are three conversions in one’s life—the conversion of the heart, the mind, and the pocketbook.” </i></p><p>When we encounter Christ, our hearts are filled with affection for Him, and our minds are set on heavenly things. However, many Christians struggle to surrender their finances to God fully. You can’t hold on to Christ while also holding on to your money.</p><p>A heart transformed by the gospel desires to honor Christ above wealth. A mind renewed by the gospel prioritizes kingdom values over worldly ones. This transformation shapes every aspect of our financial lives, from earning and saving to spending and giving.</p><h3>Living as Stewards of God’s Resources</h3><p>When our hearts and minds are fully surrendered to Christ, our finances naturally follow. Giving becomes not just an obligation but an act of worship and a reflection of the gospel’s transforming power.</p><p>To explore these ideas further, check out Dr. Nathan W. Harris’s book, <a href="https://www.lifeway.com/en/product/a-short-guide-to-gospel-generosity-P005842784"><i> A Short Guide to Gospel Generosity: Giving as an Act of Grace</i></a>. This concise guide offers biblical wisdom and practical insights into living a life of joyful, gospel-rooted generosity.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a whole life insurance policy for my mom that we’ve been paying on for about nine years. I’m wondering if I should just cash it in since we’re almost at the full policy amount.</li><li>What is the best educational investment account to use for my 10 and 8-year-olds when they’re ready for college? I’ve just been saving money in savings accounts.</li><li>I wanted to ask about the Windfall Elimination Provision and the Government Pension Offset - are they still in effect? I’m a firefighter and paramedic who worked in the public service and private sector for 30 years.</li><li>My wife and I don’t have a retirement plan yet. I’m 53 and my wife doesn’t work. We have a vacant lot worth $45,000, and I’m wondering what we can do with the money from selling it to help prepare for our retirement.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.bhpublishinggroup.com/product/a-short-guide-to-gospel-generosity-2/#flipbook-sampler/">A Short Guide to Gospel Generosity: Giving as an Act of Grace by Dr. Nathan W. Harris</a></li><li><a href="http://savingforcollege.com">SavingForCollege.com</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (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

This powerful verse is often quoted when we talk about generosity, and rightly so. It shows us that generosity isn’t just a financial principle—it’s rooted in the very heart of the Gospel. Today, Dr. Nathan W. Harris joins us to explore that connection more deeply.

Dr. Nathan W. Harris is the Vice President of Strategic Initiatives at The University of Mobile in Mobile, Alabama. He is also the author of A Short Guide to Gospel Generosity: Giving as an Act of Grace.

Gospel Generosity with Dr. Nathan W. Harris

<p>Summer is here—and while kids are counting down the days until school’s out, parents and grandparents might be counting something else: the cost.</p><p>The good news? Some of the best family memories don’t require a big budget. In fact, many of them are completely free. With a little creativity and intention, you can enjoy a summer that builds connection and joy without adding financial stress. Here are ten fun, meaningful, and no-cost activities to try this season.</p><h3>1. Visit Your Local Library</h3><p>Libraries today are vibrant community hubs, not just quiet places for books. Many offer summer reading programs, puppet shows, craft days, and even LEGO clubs. It’s a screen-free space that fosters imagination and learning—and it won’t cost a dime.</p><h3>2. Host a Themed Movie Night</h3><p>Movie nights are a classic, but turning them into themed events can make them feel extra special. Dress up like your favorite characters, make popcorn at home, and stream free movies from your library or other no-cost platforms. It’s cozy, creative, and fun for all ages.</p><h3>3. Check Out Community Events</h3><p>Many cities and towns host free concerts, movie nights, festivals, or farmers' markets during the summer. These events offer fun, fellowship, and a chance to connect with your community.</p><h3>4. Camp in Your Backyard</h3><p>You don’t need to travel far to enjoy the great outdoors. Set up a tent in your yard, roast marshmallows, and tell stories under the stars. Take time to reflect on God’s handiwork with your kids. Psalm 8:3–4 reminds us how the majesty of creation points us to the Creator who cares for us deeply.</p><h3>5. Host a Yard Sale</h3><p>Let your kids gather items, make signs, and manage a mini storefront. It’s not only a great way to declutter—it also teaches stewardship, contentment, and even generosity. If your kids choose to give a portion of the proceeds to someone in need, you’re planting seeds of compassion early.</p><h3>6. Try Geocaching</h3><p>If your family enjoys treasure hunts or geocaching, it's a great way to explore the outdoors. All you need is a smartphone and a <a href="https://www.geocaching.com/play">free app</a> to search for hidden “caches” in your area. It’s adventurous, educational, and completely free.</p><h3>7. Plan a Neighborhood Game Day</h3><p>Bring back the joy of simple play. Organize a kickball game, water balloon fight, or capture the flag in your neighborhood. Partner with other families to rotate homes and activities—it’s a no-cost way to foster community and make memories that stick.</p><h3>8. Make a Summer Bucket List</h3><p>Sit down as a family and dream up a list of simple activities—things like catching fireflies, building a fort, or learning a new skill. Writing them down and checking them off together adds a sense of excitement and shared accomplishment.</p><h3>9. Explore Nature</h3><p>Nature is one of God’s most generous gifts. Visit local parks, walk trails, or bike together through a nearby preserve. Psalm 19:1 reminds us, <i>“The heavens declare the glory of God.”</i> Whether it’s birdsong or wildflowers, creation invites us to slow down and worship.</p><h3>10. Serve Together</h3><p>Serving others is one of the most meaningful things a family can do. Volunteer at a local shelter, visit a nursing home, or make cookies for your neighbors. Jesus said, <i>“It is more blessed to give than to receive”</i> (Acts 20:35). A summer of service can have an eternal impact.</p><h3>The Riches of a Simple Summer</h3><p>It’s easy to believe that a fun summer must come with a hefty price tag, but God often surprises us with joy in the simplest things. Sunshine, laughter, love, and time together are among His most generous gifts—and they’re completely free.</p><p>So, as you make your summer plans, don’t focus on what you can spend. Instead, focus on how you can wisely steward the time and relationships God has given you. After all, the best summer memories are built with presence, not purchases.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m looking into annuities, and I know nothing about the risks. When they say 6% for three years, is that rate guaranteed to remain locked in? I looked up the rating, and it’s a B++ rating by AM Best.</li><li>I have a long-term insurance policy from Genworth that started in 1999. The premiums have increased dramatically from $1,500 to $11,000 annually. We’re in our early 80s and nearing the time to use the policy. The company wants us to sell, but we have a clause that stops premium payments if one of us dies. I’m unsure whether to keep the policy. </li><li>I’m 60 years old and have worked at the same job for 40 years. I’ve become chemically sensitive to the product we manufacture and can no longer work with it. I’m basically at retirement, with all bills paid and a house paid off. I have $500,000 saved in CDs, $60,000 in the bank, and I’m thinking of putting half of the $500,000 in a lifetime mutual fund. Is that a wise decision?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (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 is here—and while kids are counting down the days until school’s out, parents and grandparents might be counting something else: the cost.

The good news? Some of the best family memories don’t require a big budget. In fact, many of them are completely free. With a little creativity and intention, you can enjoy a summer that builds connection and joy without adding financial stress. Here are ten fun, meaningful, and no-cost activities to try this season.

10 Fun and Free Things To Do This Summer

<p>What if I told you that giving money to good causes won’t necessarily change your heart?<br /><br />Many assume that if they invest their finances in the right places, their affections will follow. But what if the real issue isn’t where our money goes, but what we treasure most?</p><h3>The Words of Jesus: Treasure and the Heart</h3><p>In His Sermon on the Mount, Jesus offers one of the most profound insights into money and the human heart:</p><p><i>"For where your treasure is, there your heart will be also."</i> (Matthew 6:21)</p><p>Many interpret this to mean that if we direct our money toward good causes, such as ministries or charities, our hearts will naturally follow. And often, generosity does strengthen our connection to what we support. However, if money itself remains our treasure, even generous giving can leave our hearts tied to wealth rather than to God.</p><p>What if Jesus wasn’t just telling us to redirect our money but inviting us to reexamine what we treasure most? The real challenge isn’t simply choosing better causes; it’s choosing a better treasure. If our hearts cling to money, even when giving it away, we remain captive. But if we treasure God above all, our money will naturally reflect that devotion.</p><h3>The Widow’s Offering: A Heart Aligned with God</h3><p>Consider Jesus’ observation of the widow’s offering in Mark 12:</p><p><i>"And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny."</i> (Mark 12:41–42)</p><p>The wealthy gave much more than the widow, but their giving didn’t free them from money’s grip. Their treasure was still rooted in their wealth.</p><p>Jesus exposes a similar heart issue when He rebukes the Pharisees in Matthew 23:</p><p><i>"Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness."</i> (Matthew 23:23)</p><p>The Pharisees gave meticulously, yet their hearts were enslaved to pride and status. Their giving wasn’t born from a love for God, but from a desire to maintain religious appearances.</p><h3>True Freedom in Treasuring God</h3><p>In contrast, the widow’s tiny offering flowed from deep trust and surrender to God. She gave not to be seen, but because her greatest treasure was the One standing before her. Jesus praised her, not for the amount she gave, but because her heart fully belonged to Him.</p><p>If giving alone could free us from money’s hold, the Pharisees would have been the most spiritually free people of their day. But they weren’t. True freedom comes not from giving more but from treasuring God most.</p><p>As Pastor John Piper puts it:</p><p><i>“God is most glorified in us when we are most satisfied in Him.”</i></p><h3>How Do We Shift Our Hearts?</h3><p>So, if the issue isn’t where we put our money but what we treasure, how do we shift our hearts?</p><ol><li><strong>Recognize God as Your Greatest Treasure -</strong> Until God is our highest joy, we will always cling to lesser things.</li><li><strong>Seek First His Kingdom -</strong> When God’s Kingdom is our priority, everything else—including money—falls into place.</li><li><strong>View Money As A Tool, Not A Treasure -</strong> If we treasure God, we will steward it wisely without being controlled by it.</li><li><strong>Store Up Treasures in Heaven -</strong> This means prioritizing what truly lasts—growing in Christ, loving others, and living generously.</li></ol><p>When our treasure is in God, our relationship with money changes. We give not to force our hearts to care, but because our desires are already aligned with what God cares about. We are freed from financial anxiety because our security is in God, not wealth (Matthew 6:25–34).</p><p>If money is our treasure, our hearts will forever remain enslaved to it, no matter how generously we give. But if we treasure God, our hearts will be free, and our relationship with money will reflect that reality.</p><p>The real question isn’t, <i>“Where is my money going?”</i> but <i>“What do I treasure most?”</i> Because where your treasure is, there your heart will be also.</p><h3>Partner with FaithFi</h3><p>That’s the heart behind everything we do at <a href="https://www.faithfi.com/">FaithFi</a>. We’re here to help people not just manage money wisely, but treasure God above all else—because when He’s our greatest treasure, everything changes.</p><p>If you believe in that mission, would you consider becoming a <a href="https://www.faithfi.com/give">FaithFi partner</a>?</p><p>With a gift of $35 a month or more or $400 a year, you’ll help more Christians find freedom in Christ through biblical financial wisdom. As a thank you, you’ll receive:</p><ul><li>Early access to all our <a href="https://www.faithfi.com/shop">studies and devotionals</a></li><li>A subscription to our quarterly <a href="https://www.faithfi.com/give">Faithful Steward magazine</a></li><li>Access to the Pro Version of the <a href="https://www.faithfi.com/manage">FaithFi app</a></li></ul><p>You can learn more and become a FaithFi Partner today at<a href="https://www.faithfi.com/partner"> FaithFi.com/Partner</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I would like to know if I can cash in a CD and gift the money to a family member without incurring a penalty. Also, would you feel guilty about drawing out some money from my 401(k) to buy myself a little gift instead of going into debt?</li><li>I’ve paid tithe on the gross amount my whole life. Now that I’m retired and drawing Social Security, pension, and business income, I’m wondering if I should continue to tithe. Some people say it’s already been tithed, so why tithe it again?</li><li>I want to sell my almost 70-year-old home and move into a senior residence that’s handicap accessible. I’m on Social Security Disability, and I was told that selling a home is considered income and will stop my disability benefits. Is this true? </li><li>I heard you talk about the $19,000 gift limit per person per year. I want to know if the same limitations apply if I give to a 501(c)(3) organization and I’m not planning to claim it on my taxes.</li><li>I would like to leave our paid-off house to my children if both my wife and I have passed. Should I get a will, put them on the deed, or establish a trust and incur the associated expense? Can I just put them on a deed, and when we pass, it goes to them?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (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 if I told you that giving money to good causes won’t necessarily change your heart?

Many assume that if they invest their finances in the right places, their affections will follow. But what if the real issue isn’t where our money goes, but what we treasure most?

Where Is Your Treasure?

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