8 Habits of Wise Women Managing Money with Miriam Neff

Many people consider frugality to be a Christian virtue—but is it, really?We often equate frugality with good financial stewardship, but they’re not exactly the same thing. While frugality can be a wise practice, it doesn’t necessarily lead to true peace or biblical financial wisdom. Let’s explore the key differences and signs that frugality might be going too far.What Is Frugality?Frugality is about being careful with resources—spending less than you earn, saving money, and making economical choices. If you or someone in your household is a conscientious penny-pincher, you likely embrace frugality as a lifestyle.Frugality certainly has virtues, such as self-control and patience. Benjamin Franklin’s well-known phrase, “A penny saved is a penny earned,” supports the idea that being financially cautious is a wise practice.At Faith and Finance, we encourage people to:Save for the futurePay down debtsAvoid overspendingHowever, biblical financial stewardship is much bigger than frugality.The Biblical Perspective on StewardshipFrugality alone does not guarantee peace—because, from a biblical perspective, we aren’t the owners of our money or possessions. God is.Psalm 24:1 reminds us:“The earth is the Lord’s, and everything in it.”Recognizing Christ’s Lordship over our finances shifts the focus from simply cutting costs to honoring God with our resources.Jesus teaches in Matthew 6:19-21:“Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven… for where your treasure is, there will your heart be also.”Frugality can help you save money on earth, but eternal rewards come from a different approach—surrendering your finances to God and using them for His purposes.Frugality is a tool, but it must be used in a way that aligns with faithful stewardship. If pursued for its own sake, it can lead to selfishness, greed, and even pride.Signs That Frugality Has Gone Too FarHow do you know when frugality has shifted from wise stewardship to financial foolishness? Here are a few red flags:1. You Spend Hours Each Week Just to Save a Few DollarsDo you spend excessive time clipping coupons, hunting for deals, or driving across town to save a few cents on gas? If frugality has become an obsession, it may be time to reassess how you're using your time.2. You Go Without Essentials Just to Save MoneyAre you skipping necessary expenses—like a bed to sleep on—just because you don’t want to spend money? Being wise with money doesn’t mean depriving yourself of basic needs.3. You Hoard Items Just Because They’re a “Good Deal”Stocking up on necessities is fine, but filling your home with excess items (like a closet overflowing with toothpaste) may indicate a deeper issue—a lack of trust in God’s provision.4. You Compromise Safety for the Sake of Saving MoneyEating expired food, skipping necessary medications, or refusing to fix important home repairs just to save a few dollars can be dangerous. Stewardship includes caring for yourself and your family, not just minimizing costs.5. Frugality Feels Like a Competition or an ObligationDo you stress out over every dollar spent? If spending any money at all causes anxiety, you may be placing too much faith in frugality rather than trusting God to provide.6. You Struggle to Be GenerousIf penny-pinching kills your generosity, that’s a warning sign. Hebrews 13:16 reminds us:“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.”True peace comes not from saving every penny but from trusting in God’s provision and using money for His glory.Finding the Right BalanceEvery financial habit stems from an underlying mindset. In many cases, extreme frugality results from a lack of balance.Here’s how to restore a healthy perspective on money:Use your time wisely—Clipping coupons is fine, but not if it consumes hours each week.Prioritize health and well-being—A healthy family is more valuable than a few extra dollars saved.Give generously—God calls us to share, not hoard.Trust God’s provision—Money is a tool, not an idol.As Jesus teaches in Matthew 6:33:“Seek first God’s kingdom and His righteousness, and all these things will be added to you.”When you put God first, true peace isn’t found in penny-pinching but in faithful stewardship and reliance on Him.The Greater Purpose of StewardshipStewardship isn’t just about spending wisely—it’s about using God’s resources for His purposes. Our finances should reflect His kingdom priorities, not just our desire to save money.Ultimately, financial stewardship isn’t about how much we save—it’s about trusting God, managing resources wisely, and giving generously to advance His Kingdom. If your frugality has become a burden, it’s time to release it to God and find true peace in His provision.On Today’s Program, Rob Answers Listener Questions:I'm trying to open a Roth IRA but getting stuck on questions about adding margin, options trading, and enabling advanced trading features. I don't have a 401(k) or pension, but my house is paid off. How can I open a simple Roth IRA without those extra features?I want to buy a brand-new vehicle for my sister and give her either $20,000 or $30,000 to do so. I would like to know if she has to report this gift on her taxes or if I have to report it on my taxes.My mother and uncle recently sold their property in Oklahoma. The paperwork shows that the sale proceeds were distributed to people who are not family members. I'm concerned the property may have been stolen, or the sale mishandled. How can I investigate to see if the funds that should have gone to me and my deceased brother were taken inappropriately?I would like to know when it would be a good investment to upgrade or remodel my home. If the improvements cost around 25% of my retirement investment, would that be a wise use of that money? I would also like to know if investing 25% in the home is a good idea since it could increase its value.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineSchwab Intelligent PortfoliosWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“As iron sharpens iron, so one person sharpens another.” – Proverbs 27:17Despite living in an era of unprecedented wealth, many individuals and families struggle to meet basic needs like food and shelter. Today, Brian Holtz joins us to discuss a new resource aimed at helping communities in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A New Focus: Addressing Financial HardshipNavigating financial challenges can be overwhelming, especially for those who struggle to make ends meet. While many financial ministries focus on middle- and upper-income groups, Compass Financial Ministry has taken a bold step to address the needs of those with little to no financial margin. Their latest initiative—Making Ends Meet—is a resource designed to help individuals and families move from financial struggle to stability.Key Takeaways from the ResearchMany of the financial issues we associate with low-income communities aren’t unique to them. The same challenges exist in middle- and upper-income households—they just look different.What are these key financial challenges? Three primary takeaways from Compass’ research are critical for financial health, regardless of income level.1. A Simpler Approach to BudgetingStarting a budget is often the most challenging part of managing finances. That’s why this new resource introduces a simplified spending plan:Step 1: At the beginning of the month, pay all essential bills (giving, rent/mortgage, food, utilities, etc.).Step 2: Transfer savings into a separate account.Step 3: Use the remaining money for non-essentials (entertainment, clothing, eating out, etc.).This method isn’t as precise as traditional budgeting, but it’s better to use an imperfect system than a perfect one that you never implement.2. The Power of an Emergency FundWe all know the importance of emergency savings, but it's even more crucial for those living paycheck to paycheck.Without an emergency fund, individuals often get trapped in a cycle of debt. But with a financial cushion, they can make wise financial choices and avoid unnecessary expenses.3. The Importance of a Support NetworkBuilding a strong financial support system is a crucial yet often overlooked aspect of financial stability, in addition to budgeting and saving.Money is a taboo topic in our society. We’re embarrassed to talk about our struggles, but if we find trusted people to share with before emergencies happen, we create a network we can rely on—and they can rely on us. This network isn’t just for financial help—it also provides emotional support, advice, and practical assistance when life’s unexpected events occur.How You Can Get InvolvedFinancial hardship can feel isolating, but no one has to face it alone. With the right tools, support system, and biblical principles, it is possible to break free from financial struggle and find peace in stewardship.Making Ends Meet is one of the most impactful projects Compass has ever developed. It combines biblical wisdom with practical, step-by-step guidance, helping people transition from struggling to thriving. This resource is perfect for:Small groups at churchesLocal shelters and community centersFamilies and individuals seeking financial stabilityIt’s available in English and Spanish, making it accessible to more communities in need. To learn more, visit Compass Financial Ministry and click on Making Ends Meet.For more financial resources and biblical insights, check out Compass Financial Ministry’s website and start your journey toward financial freedom today.On Today’s Program, Rob Answers Listener Questions:I got behind on some of my bills, and the interest is hurting me. I make about $700 a week, but the high interest rates make it hard to catch up. I contacted a company called National Debt Relief, but I wanted to get a second opinion before jumping into anything. How can I deal with this situation and find a way to lower the interest rates?We inherited land and plan to keep it in the family. Do we need to tithe on the value of the inherited property, even though we haven't realized the increase in cash?I'm 24 and deciding whether to buy a home instead of renting an apartment. I live at my parents' house, but I'd like to know the best steps to take to buy a home.Last year, the FBI warned against using a cell phone number for two-factor authentication because of security vulnerabilities. I ended up losing $5,000 using that method. Can you provide some guidance on how to protect my accounts better?I'm in my 60s and recently got a job that pays over $200,000 a year, much more than I need to live on. I only need about $30,000 to $40,000 per year. I'm unfamiliar with 401(k)s or IRAs, but I want to know how much I could contribute to those types of accounts to put away the excess money I don't need.I contributed $4,000 to my Roth IRA at the beginning of the year. I'm leaving my part-time job and about to retire at 62. What should I do if I've contributed more to the Roth IRA than I've earned in income? Should I withdraw the excess contribution, and are there any penalties I should be aware of?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineCompass Financial MinistryMaking Ends Meet (Compass Financial Ministry Video Study and Workbook)Google Authenticator (Apple | Google Play) | Authy Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

They’re not listed on stock exchanges, yet private market investing opportunities are becoming increasingly popular.So, just what are private markets? Why would you want to consider making them a part of your portfolio? And how would you go about it? Cole Pearson is here today to break it all down for us.Cole Pearson is the President of Investment Solutions at OneAscent, a family of companies seeking to help people align their investments with their Christian values. OneAscent is also an underwriter of Faith & Finance. What Is Private Market Investing?Private market investing involves putting capital into companies that are privately held rather than those listed on public stock exchanges. Unlike investing in publicly traded firms, private market investments focus on businesses that are in earlier stages of development.You might think of the local hardware store or a manufacturing plant in your area—these are privately held businesses. Private market investing tends to focus on rapidly growing for-profit businesses that can serve as powerful economic engines while also having the potential for positive impact.Investors often hear terms like private equity, venture capital, and private credit when discussing private markets. These investments provide opportunities to support growing businesses while diversifying a portfolio beyond publicly traded stocks.Public vs. Private Markets: Which Is Safer?One common concern is that private markets may be riskier than public investments. Public markets are typically considered safer because of regulatory oversight and greater liquidity. However, all investments involve risk—whether public or private.Private markets offer unique advantages that can complement a traditional portfolio. While they may be less accessible and require a longer-term outlook, they also provide exposure to businesses at earlier stages of growth, offering potential for higher returns.Historically, private markets have been dominated by institutional investors and ultra-high-net-worth individuals. Institutions tend to allocate five times more to private markets than the average retail investor.This is largely due to the potential for higher returns, market inefficiencies, and diversification benefits. In the U.S., there are approximately 4,000 publicly traded companies with over $10 million in revenue—but in the private markets, there are 182,000 companies above that threshold. That means there’s a much larger opportunity set available for investment.The Advantages of Private Market InvestingPrivate market investments offer several key benefits:1. Higher Growth PotentialMany public companies started as private, venture-backed firms. Today, these once-private companies make up nearly 77% of market capitalization and contribute 92% of research and development spending. Private investing allows access to these high-growth firms before they go public.2. DiversificationPrivate investments are less correlated to the stock market, helping investors diversify their portfolios. Their value isn’t directly impacted by daily market fluctuations, reducing exposure to broader economic downturns.3. Direct Positive ImpactUnlike public market investing, where shares are traded between investors, private market investments directly fund businesses. This allows investors to have a greater say in how companies operate and ensure that their investments align with biblical values.One of the most compelling reasons to consider private market investing is the opportunity for faith-based impact. Rapidly growing, for-profit businesses are one of the most powerful engines God has given us to create positive change in the marketplace.Through private investing, believers can support businesses that align with their values—whether that’s ethical business practices, advancing healthcare, or improving infrastructure. Imagine if the leadership of today’s major corporations were faith-driven. By investing in private markets, Christian investors can directly support businesses that promote Kingdom values.Making Private Markets Accessible to Everyday InvestorsOne of the biggest barriers to private investing has been accessibility. Traditionally, high minimum investments and complex paperwork restricted this opportunity to institutional investors. However, interval funds—a relatively new financial vehicle—are changing that.Interval funds function similarly to mutual funds but invest in private equity. They allow for periodic liquidity, making it easier for everyday investors to access private markets with a lower minimum investment.OneAscent recently launched the OneAscent Capital Opportunities Fund (OACOX), a private market interval fund designed for values-based investors. This fund has no accreditation requirements and a minimum investment of just $5,000—making private markets more accessible than ever.How to Get Started with Private Market InvestingIf you’re working with a financial advisor but have never discussed aligning your investments with your values, start the conversation by asking:Do we know what’s inside our current portfolio?Can we evaluate our investments to ensure they align with our faith?Are there opportunities to diversify with private market investments?These simple questions can help guide your financial decisions toward a more faith-based approach.Private market investing presents an exciting opportunity for those looking to diversify their portfolios, support high-growth companies, and make a Kingdom impact. With new financial vehicles like interval funds, this once-exclusive market is now accessible to more investors than ever.If you want to explore faith-aligned private market investing, visit capital.oneascent.com to learn more about One Ascent’s values-based investment solutions.On Today’s Program, Rob Answers Listener Questions:I'm 64 and my wife is 61. We're buying a $230,000 home, but the mortgage company hasn't discussed a down payment or interest rate with us. We have around $300,000 saved up between us. The home is $230,000 plus closing costs, with an interest rate of around 6.75%. I'm not sure what to do here and could use some guidance. What would you recommend?My son has $7,000 that he thought he put into a high-yield savings account, but the bank he used got merged into another bank. Now he's finding the interest rate is only around 0.1%. He wants to pull the money out and put it somewhere else to earn a better interest rate. Where would you recommend he put this $7,000 to earn a good interest rate?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineOneAscentChristian Community Credit Union (CCCU)Bankrate.com Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you’re in this group, you don’t want to miss today’s show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. Some of the most common frustrations they see are:Complicated Policies—Many insurance plans have intricate rules and coverage limitations, making it difficult to understand what is actually covered. Lack of Pricing Transparency—Patients often have no idea what they are being charged for healthcare services, which leads to higher costs that insurance companies pass along to policyholders. High Deductibles—It's not uncommon to see deductibles of $5,000, $10,000, or even $15,000, leaving families struggling to afford necessary care.At CHM, transparency is a priority. Members clearly understand what will be shared, making healthcare costs more predictable and manageable.A recent Kaiser Family Foundation survey found that most Americans rate their health insurance as "good" or even "excellent." However, people generally seem to be pretty happy with their insurance—if they haven’t had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that’s where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another’s burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM’s long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you’ve felt burdened by the complexities of traditional insurance, CHM may be the blessing you’ve been looking for.On Today’s Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Healthcare Ministries (CHM)Christian Credit CounselorsBankrate.com Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Paying off debt is always a smart financial move—but eliminating it before retirement is one of the best decisions you can make. With more people than ever retiring with debt, financial security in retirement is at risk. Let’s explore why carrying debt into retirement can be problematic and what you can do to avoid it.The latest statistics reveal a concerning trend. According to the Federal Reserve's 2022 Survey of Consumer Finances, 65% of individuals aged 65 to 74 carry debt—a significant increase from 50% when the Fed began tracking this data 35 years ago.Debt in retirement severely limits lifestyle choices and, for many, leads to an unwelcome necessity: returning to work. A study by T. Rowe Price found that 20% of retirees have gone back to work full-time or part-time, and another 7% are actively looking for jobs. The primary reason? They need more income.Inflation has only worsened the situation. Prices today are around 15% higher than they were three years ago, catching many retirees off guard and stretching already tight budgets—especially those burdened with debt.As Proverbs 22:7 warns, “The rich rule over the poor, and the borrower is the slave of the lender.” To avoid financial hardship in retirement, it’s critical to develop a strategy now to eliminate debt.How to Eliminate Debt Before RetirementIf you’re 5, 10, or even 15 years away from retirement, now is the time to set a goal of becoming debt-free. A debt-free retirement provides the financial margin necessary to weather economic downturns, stock market fluctuations, and rising costs of living. Here are practical steps to achieve that goal:1. Reduce Your ExpensesA budget overhaul can reveal unnecessary expenses you’re paying out of habit. Cut subscriptions, eat out less, and find ways to live within your means.2. Increase Your IncomeConsider taking on a side job, selling unused assets, or even delaying retirement by a few years to maximize savings and accelerate debt repayment.3. Downsize Your HomeOne of the most impactful moves is downsizing. If you still have a mortgage, selling your current home and purchasing a smaller one with cash (or a significantly reduced mortgage) can dramatically lower your monthly expenses. Additionally, a smaller home means lower property taxes, utility bills, and maintenance costs.4. Pay Down Your Mortgage FasterIf downsizing isn’t an option, commit to making extra mortgage payments. Even one additional payment per year can shave off several years from your loan and save thousands in interest.Addressing Consumer DebtCredit card debt is another major obstacle in retirement. High-interest rates, which often increase with inflation, make carrying a balance extremely costly. Here’s how to tackle it:Use the Snowball Method: Pay off the smallest balance first, then roll that payment into the next debt. This approach provides quick wins and motivation to continue. Avoid Using Home Equity: Converting unsecured credit card debt into a home equity loan puts your house at risk if you can’t make payments. Seek Help If Needed: If you have more than $4,000 in credit card debt, consider working with Christian Credit Counselors. They offer debt management plans that can help you become debt-free 80% faster.One thing we’ve never heard at FaithFi? A person calling in to say they regretted paying off their debt. Eliminating debt before retirement ensures financial security and provides more time and resources to serve God’s Kingdom.So, make a plan today. Your future self—and your financial journey—will thank you.On Today’s Program, Rob Answers Listener Questions:Do I still have to keep filing married filing joint even though my husband left me about three and a half years ago and we do not live together?I inherited a traditional IRA from my mother when she passed away in 2017, and I'm not sure whether I need to disperse it in 10 years or if I can continue taking required minimum distributions (RMDs) over my lifetime.I don't have a 401(k), but I own a property that I could sell for $250,000 to $350,000. I'm not sure what to do with the money from the sale to help me prepare for retirement, since I'm still working full-time at 61 and don't plan to retire soon.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Matthew 6:21, Jesus says, “For where your treasure is, there your heart will be also.” That teaching is true for everyone, and yet men and women have different perspectives on money. So how do wise women manage the resources God entrusts to them? Miriam Neff is here to talk about that today.Miriam Neff is the founder of Widow Connection, the author of 11 books, a counselor, a Bible teacher, and a speaker. She supports widows through sewing and bakery projects and is the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with her daughter. Her radio features New Beginnings and Starting Over Financially air nationwide.Managing money wisely is a critical skill, and for many women, the responsibility of financial stewardship comes unexpectedly. Whether due to widowhood, divorce, or simply taking on a more active role in household finances, women today oversee 51% of the wealth in the United States, a figure that continues to grow.However, with the right mindset and practical steps, women can confidently manage those resources. Here are eight key habits that wise women adopt to steward their finances well.1. Acknowledge That All We Have Belongs to GodThe foundation of wise money management begins with recognizing that everything we have is a gift from God. Whether it's a paycheck, a home, or an investment portfolio, God has entrusted our financial resources to us for stewardship.Some may think of their 401(k) or IRA as ‘theirs,’ but biblically speaking, all of our resources—income, spending habits, even our possessions—belong to God. This means we must steward everything wisely, from the big decisions to the small ones.2. Take Responsibility for Knowing Your FinancesMany women suddenly find themselves responsible for managing their finances after years of leaving it to a spouse or financial professional. Miriam emphasizes that understanding one's financial situation is crucial, whether through spreadsheets, budgeting apps, or simple pen and paper.We cannot make excuses, such as “My parents never taught me this” or “My teenagers demand too much.” We are accountable to God for how we manage our resources.Taking responsibility also means seeking help. Resources like Widow Connection, Faith & Finance, and local church financial ministries provide guidance and support.3. Create a Spending Plan Based on Income and ValuesThe world encourages spending beyond our means—bigger houses, new cars, and credit card debt. However, wise financial management requires a spending plan that aligns with both our income and values.Cultural messages tell us to spend first and hope our income will catch up. Biblically, we must prioritize contentment and stewardship. A budget is a tool to help us live within our means and honor God.A values-based spending plan includes giving to God first, meeting needs before wants, and saving wisely.4. Recognize That Every Spending Decision Is a Spiritual DecisionLarry Burkett famously said, “Every spending decision is a spiritual decision.” Where we allocate our money reflects our priorities and our hearts.What do you check first thing in the morning—your bank account or social media? If we want to understand our hearts, we should examine our calendars and bank statements. They reveal our true priorities.If our spending habits don’t align with our faith, it’s time to make changes, even if they start small.5. Eliminate Excuses and Avoid Emotional SpendingExcuses can be a major roadblock to financial wisdom. Many justify poor financial decisions with statements like:“My spouse is a big spender.”“My children need expensive gadgets to fit in.”“I was feeling down, so I indulged in some ‘retail therapy.’”Fear and emotions should not drive our financial decisions. The Bible warns about fear-based financial mistakes, as seen in the parable of the servant who buried his talent instead of investing it (Matthew 25).Owning our financial decisions, rather than blaming circumstances or emotions, is key to stewardship.6. Take Personal Responsibility for Financial ActionsFinancial wisdom requires discipline and self-control. Some common financial missteps include:Overindulging children to compensate for a difficult divorce or personal guilt.Hoarding money to fill an emotional void rather than stewarding it wisely.Making impulsive purchases out of fear rather than planning wisely.When we take a small step toward honoring God with our finances, He steps in and provides in ways we never expected.7. Regularly Review and Adjust Your Financial PlanFinancial plans aren’t static—they must evolve with life’s changes. With inflation, rising costs, and unexpected expenses, a budget from last year may no longer be effective.A core principle of financial wisdom is having three to six months of emergency savings. We can’t predict when financial challenges will come, but we can prepare for them.Adjustments may involve cutting unnecessary expenses, increasing savings, or shifting spending priorities.8. Invest for Kingdom PurposesThe ultimate goal of financial wisdom isn’t just security—it’s Kingdom impact. Everyone's calling is different, but we should all invest in eternity. Whether it's giving to your church, supporting missionaries, or helping those in need, prioritizing God's Kingdom brings the greatest return on investment.Accountability partners, financial mentors, and small group discussions can also help reinforce wise financial habits.Take the Next Step in Your Financial JourneyThese eight habits provide a roadmap for women navigating financial responsibilities. Whether you're newly managing money or looking to refine your financial approach, the key is to start today.For more insights and practical steps, pick up a copy of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan. And if you're a widow looking for financial support, check out Widow Connection for resources and encouragement.On Today’s Program, Rob Answers Listener Questions:If I want to do a reverse mortgage, does that mean the house no longer belongs to me?I'm 36 years old and want to know whether I should keep $1,000 in my emergency fund or save 3 to 6 months' worth of my emergency fund income.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Widow ConnectionYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The Puritan poet Anne Bradstreet once wrote, “Wisdom without an inheritance is better than an inheritance without wisdom.” These words are just as relevant today as they were in the 17th century, especially as we approach one of the largest wealth transfers in history.It’s estimated that Baby Boomers will pass down as much as $68 trillion to their heirs by 2030. But is the next generation prepared to manage this wealth wisely? Research suggests that many are not. Let’s explore what this historic transfer means, the potential challenges, and how families can prepare.Biblical Wisdom on Wealth and InheritanceAnne Bradstreet was undoubtedly inspired by Ecclesiastes 7:11-12, which says:“Wisdom is good with an inheritance, an advantage to those who see the sun. For the protection of wisdom is like the protection of money, and the advantage of knowledge is that wisdom preserves the life of him who has it.”While passing down financial assets is important, passing down financial wisdom is even more crucial. However, research shows that many Boomers are not equipping their heirs with the knowledge needed to manage this wealth effectively.A recent study by investment giant Edward Jones found that:48% of Americans plan to leave an inheritance.50% will leave money and property to their children only.36% will pass down assets to both their children and grandchildren.While these numbers show a strong intention to pass down wealth, the study also revealed some concerning trends:Only 27% of Americans have discussed wealth transfer with their heirs.35% said they don’t plan to have that conversation at all.That means millions of Millennials and Gen Z-ers may inherit significant wealth without the financial wisdom needed to steward it well. Experts warn that it is more important than ever for families to discuss wealth transfer and seek professional guidance when necessary.Four Common Approaches to Wealth TransferAlthough this is the largest generational wealth transfer in history, not all heirs will receive as much as they might expect. One major reason for this is increasing life expectancy—Boomers are living longer and consuming more of their assets, particularly due to rising healthcare costs.The Edward Jones study identified four main ways wealth is being transferred:1. Traditional GivingThis is the most common method, where parents pass their wealth—cash, stocks, real estate, and other assets—directly to their children. However, conversations are needed to ensure both generations understand the plan. Parents should also be mindful of using enough assets to maintain their own healthy and secure lifestyle in retirement.2. Giving While LivingRather than waiting until death, some Boomers are helping their children and grandchildren now by:Paying for educationAssisting with a home purchaseCovering major expenses like vacations or medical costsWhile this can be a blessing, it also raises concerns. Some heirs may wonder if there will be anything left for them later. Early conversations about financial plans can help alleviate these concerns and ensure realistic expectations.3. Generational SkippingSome Boomers are choosing to pass wealth directly to their grandchildren instead of their children. This may be done to:Pay for educationHelp start a businessSet up an investment accountA surprising one in four respondents in the Edward Jones study believes their grandchildren will be better stewards of wealth than their children. However, skipping a generation in inheritance can strain family relationships. Open communication is key to ensuring no one feels left out or overlooked.4. No Inheritance LeftSome Millennials and Gen Z-ers may find there is little or nothing left for them to inherit. Longer life spans and increasing costs may require Boomers to use up more of their assets in retirement.Financial experts generally recommend retirees withdraw no more than 4% per year from their retirement savings to preserve their assets. However, that may not always be possible, especially with rising medical expenses.How to Prepare for a Successful Wealth TransferOpen and proactive communication is the key to a smooth and responsible wealth transfer. Here are some steps families can take:1. Have the ConversationBoomers should sit down with their adult children and discuss their financial plans. This conversation should include:An overview of assets and how they will be distributedAny expectations about financial responsibilityA discussion of family values regarding stewardship and generosity2. Hold a Family ConferenceOne conversation may not be enough, as financial situations and family needs evolve over time. Regular discussions—perhaps with the help of a financial advisor—can help keep everyone on the same page.3. Seek Professional GuidanceFor families needing help navigating wealth transfer, a Certified Kingdom Advisor® (CKA®) can provide expert financial planning with a biblical perspective. A CKA® can help structure inheritance plans in a way that honors God and ensures responsible stewardship.4. Instill Biblical Financial WisdomMoney management isn’t just about numbers—it’s about values. Future heirs need to understand that:God owns everything, and we are stewards of His resources.Managing wealth wisely means providing for family needs.Generosity and giving back to God are part of faithful stewardship.The upcoming wealth transfer is unprecedented, but wealth can quickly be mismanaged or squandered without financial wisdom. The best legacy Boomers can leave is not just money but the knowledge and faith to steward it well.If you need help navigating these discussions, consider working with a Certified Kingdom Advisor®. You can find one at FaithFi.com by clicking “Find a Professional.”By combining wealth with wisdom, we can equip the next generation to handle God’s resources faithfully and responsibly.On Today’s Program, Rob Answers Listener Questions:My friend's son is in a lot of trouble. His wife recently passed away, leaving him with a mountain of medical bills that he is overwhelmed by. He has moved into depression and is considering bankruptcy. Can you provide any advice or wisdom to help him navigate this situation?I'm concerned about taking $575,000 from a traditional IRA and putting it into a Roth IRA over the course of 5 years. I'm worried about being able to pay the taxes on that. After the 5 years, will I have to pay any more taxes on the money in the Roth IRA, or will it be able to grow tax-free from that point forward?My wife is now in a memory care facility, and I have documentation from her neurologist. Can I get any medical deductions on my taxes with this documentation? Also, I had to sell 40 acres of my farm for $297,000 to help pay for her healthcare. What kind of tax implications can I expect from that sale?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineFAIR Health Consumer | Healthcare BluebookLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Albert Einstein reportedly once said, “The hardest thing in the world is to understand the income tax.”Well, if Einstein thought the U.S. tax code was mysterious, imagine how difficult it is for the rest of us. So, it’s a real blessing that Kevin Cross joins us today with some much-needed tax tips.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 IRS. Key Tax Changes When Filing 2024 TaxesWith W-2s and 1099s now in hand, taxpayers are beginning to file their returns. Here are some important updates to keep in mind:1. Crypto and Stock Reporting is More SophisticatedIf you’ve traded stocks or cryptocurrency, be aware that financial institutions are now required to provide more detailed and structured reporting to the IRS. Trying to avoid reporting crypto losses or small transactions? That’s not an option anymore. Even if you had minimal gains or losses, it’s crucial to report them accurately.2. Gig Workers Need to Track Expenses CarefullyMore people than ever are working in the gig economy—driving for rideshare services, delivering food, and freelancing. If you received a 1099 and saw a higher-than-expected income total, remember that you can deduct legitimate business expenses.Some key expenses to track include:Mileage driven for workEquipment or tools used for the job (like delivery bags or ride-sharing accessories)Home office expenses, if applicable3. Home Office Deduction Made SimpleFor those working from home, the simplified home office deduction remains available. Instead of complex calculations, the IRS offers a straightforward option: you can deduct up to $1,500 based on the square footage of your home used for business. This method, sometimes called the "tax court method," makes claiming a home office deduction much easier.Beware of Tax Scams: A New Threat EmergesUnfortunately, tax season also brings an increase in fraudulent activity. One of the most concerning scams right now involves Merrill Lynch accounts, and it’s catching even savvy investors off guard.The Merrill Lynch Phishing ScamHere’s how it works:Scammers deposit a small amount of money into a Merrill Lynch brokerage account.Merrill Lynch detects the fraudulent deposit and contacts the account holder.The next day, the victim receives an email from what appears to be Merrill Lynch, stating they need to transfer their money due to a security breach.Thinking it's a follow-up to a legitimate issue, the victim complies—only to have their money stolen.This scam is particularly dangerous because it plays off real events, making it feel credible. Tragically, one victim lost $900,000 in savings and was so devastated that he took his own life.How to Protect YourselfScammers rely on urgency and deception. Here’s how you can stay safe:Never respond to unsolicited emails or phone calls requesting personal or financial information.Always initiate contact with financial institutions directly through their official website or customer service number.Know the IRS Rules: The IRS will never text, email, or call you to demand payment. If you receive such a message, it’s a scam.As you prepare your taxes this year, keep these key points in mind:Report all taxable income, including crypto and gig work, and track eligible deductions.If you work from home, take advantage of the simplified home office deduction.Stay vigilant against tax scams—verify any financial communications by reaching out directly to the institution.If you need more tax guidance, you can learn more at KevinCrossCPA.com. Stay safe and file smart this tax season!On Today’s Program, Rob Answers Listener Questions:I have a multi-year guaranteed annuity from Gainbridge that pays around 6% for 3 years. Would it be a good idea for me to invest in it for at least a little while?I have a return-of-premium insurance policy. After 20 years, I'm supposed to get all the premiums I paid back, which will be around $32,000. I'm only two years into this policy, but I have some other loans and mortgages I need to pay off. Would it be better to drop this policy and get a different insurance policy, or should I keep the return-of-premium policy?I recently heard a minister commentator I respect say that you don't have to tithe once you are living on your retirement. My husband and I have been tithing off his income while he's still working and I'm retired, and we've found it to be a great blessing. However, the thought of not tithing once he retires concerns me. Is this biblical?My wife and I have about $8,500 in credit card debt and a vehicle payment. To help with this, I am considering opening a new credit card with interest-free payments. My wife's grandmother also mentioned a credit card relief program to me, but I don't know if that would be bad for my credit history. What would be the best way for us to approach paying off this debt?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

It’s often said that wisdom may create wealth, but wealth rarely creates wisdom.What’s more valuable, wisdom or wealth? Before you answer, consider that wealth is fleeting, but wisdom is never lost. John Cortines joins us today to discuss why wisdom over wealth is always the right choice.John Cortines is the Director of Grantmaking at The Maclellan Foundation and previously served as the Chief Operations Officer at Generous Giving. He is the co-author of God and Money: How We Discovered True Riches at Harvard Business School and True Riches: What Jesus Really Said About Money and Your Heart.A Study in Ecclesiastes: Wisdom Over WealthFor the last year, John has been working on an in-depth study for FaithFi titled "Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money." The study is designed to help believers align their financial decisions with biblical principles.At the heart of the study is a profound truth: while wisdom and wealth are both valuable, only wisdom can preserve life.A Tale of Three Siblings: The Power of WisdomTo illustrate Ecclesiastes's message, John shares a real-life story that highlights the stark contrast between wisdom and wealth:Three siblings each inherited $1 million at age 18—a life-changing sum. Yet, their paths diverged dramatically:The first sibling followed a path similar to the Prodigal Son (Luke 15:11-32), squandering their wealth and ending up in financial ruin. The second sibling made some wise decisions but ultimately spent beyond their means, leaving them with little to show for the inheritance. The third sibling sought wisdom, meeting with godly mentors and hiring a Christian financial advisor. They learned about generosity, investing, and stewardship. Today, they glorify God with their finances and have built a stable foundation for the future.This story powerfully illustrates that wisdom can generate wealth, but wealth rarely generates wisdom.Why Prioritizing Wisdom MattersEcclesiastes sheds light on this principle in Ecclesiastes 7:11-12:"Wisdom, like an inheritance, is a good thing and benefits those who see the sun. Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: wisdom preserves those who have it."John shares three lessons from this passage that we can take from this:Wealth is useful, but it is temporary.Wisdom is lasting, offering protection, guidance, and life.Without wisdom, wealth can be destructive.While Scripture never condemns wealth, it warns us to prioritize wisdom above financial gain.Thanks to compound interest and investments, wealth tends to grow exponentially throughout life. However, wisdom doesn’t grow automatically—it requires intentional effort.If wealth outpaces wisdom, it creates danger. But when wisdom leads, it preserves our life and financial well-being.This is especially critical during sudden wealth events, such as receiving an inheritance, a bonus, or selling a business. Without wisdom, wealth can disappear quickly.So, if wisdom is more valuable than wealth, how do we pursue it?Wisdom isn’t just a set of principles—it’s a person. 1 Corinthians 1:24 refers to Jesus as:"Christ, the power of God and the wisdom of God."True wisdom begins with knowing Christ. It’s about seeking Him through prayer, studying His Word, and surrounding yourself with godly counsel.Wisdom Before Wealth: A Message for ParentsFor those preparing to transfer wealth to the next generation, we must prioritize passing down wisdom first.The great wealth transfer is happening all around us, but money without wisdom can be destructive. Parents should talk about finances, generosity, and stewardship long before an inheritance is passed down.Here’s how to transfer wisdom before wealth:Start financial conversations early, even with young children.Encourage responsible financial habits.Model biblical stewardship in your own life.Consider gradual giving instead of a lump sum inheritance.The worst approach is to write a will, wait until you pass away, and hope your kids figure it out. Open the conversation today.The Larger Message of Ecclesiastes: Jesus is Our Ultimate WisdomThroughout the book of Ecclesiastes, there are two major themes:The Shortness of Life—Ecclesiastes mentions death in 11 out of its 12 chapters. This isn’t to bring fear but to remind us to live with urgency and purpose. Aligning Finances with Faith—Money is a tool, but it must be managed in light of God’s eternal kingdom.Life is short. Let’s honor God with our time, talents, and treasure. Wisdom is ultimately found in Jesus Christ. When we align our hearts with Him, our finances, decisions, and entire lives are transformed. Let’s pursue wisdom over wealth, knowing that true riches are found in Christ.As you consider your finances, ask yourself:Am I pursuing wisdom as much as I pursue wealth?Am I making financial decisions based on biblical principles?Am I preparing my children and loved ones to handle money wisely?Money is temporary. Wisdom is eternal. Choose wisely.FaithFi’s Newest Study: Wisdom Over WealthIf you’d like to dive deeper into FaithFi’s new study, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money is available for pre-order now at FaithFi.com/Shop. This resource will provide practical biblical insights on money, stewardship, and wisdom.On Today’s Program, Rob Answers Listener Questions:I have the opportunity to buy a 19-unit apartment building from a family member for around $1.2 million. I would need to get a loan for $1 million. I think I can increase the currently low rents and build up the equity. What are your thoughts on this opportunity?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Why don’t credit cards ever drown? Because they always have a float to keep them afloat!A little humor to start your day, but in reality, credit card float is no laughing matter—it can quietly put you one step behind financially and even lead to unexpected interest charges. Today, Chad Clark joins us to break down what credit card float is and how you can steer clear of its pitfalls.Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety.What Is Credit Card Float?Credit card float refers to the period of time between when you make a purchase with your credit card and when you actually pay for it. Since using a credit card means borrowing money, this float period allows you to delay paying for purchases—often up to 55 days—without incurring interest, as long as you pay your statement balance in full by the due date.Let’s say you purchase a pair of shoes on January 1st, right at the start of your billing cycle. If your statement closes on January 31st, your payment due date might be around February 25th. This means you have up to 55 days from the date of purchase to pay off the expense without interest.At first glance, credit card float sounds like a great deal—after all, you get to borrow money for free for a certain period. However, there’s a hidden risk: you might unknowingly be living one paycheck behind.Here’s why:If you pay your credit card statement in full each month, you may actually be using this month’s income to pay off last month’s expenses. This creates a cycle where you always rely on future income to cover past spending.While this system works as long as you have a steady paycheck, it can become problematic if unexpected expenses arise or your income changes.The Best Way to Avoid Credit Card FloatTo determine whether you’re unintentionally riding the float, do this quick check:Add up your current credit card balances.Subtract that amount from your checking account balance.If you don’t have enough in checking to cover your full credit card balance immediately, you are riding the float.This means if you lost your income tomorrow, you wouldn’t be able to fully pay off what you’ve already spent.To stay financially secure and avoid relying on the float, follow this key principle:Always have enough money in your checking account to fully pay off your credit card balance at any time—not just the statement balance, but the full balance.That way, when your bill arrives, you can pay it without dipping into savings or waiting for your next paycheck.How the FaithFi App Can HelpMany people don’t realize they’re caught in the float cycle until it’s too late. That’s where the FaithFi app comes in.FaithFi’s envelope system helps users track their spending and ensure they always have enough money set aside to pay off credit card balances in full. Users can ensure they're never one step behind financially by reconciling credit card envelopes within the app.If you want to stay on top of your spending and break free from the credit card float cycle, check out the FaithFi app at FaithFi.com or download it from your app store today.On Today’s Program, Rob Answers Listener Questions:My husband had heart surgery in 2021 and is now bedridden and paralyzed, so I had to quit my job to care for him full-time. I'm $20,000 in debt and trying to get help, but the process is slow. I also had a personal loan that went back up to the original $4,000 balance. What can I do in this situation? I need guidance on how to manage this.I had a 401(k) with a company I worked for about 10 years ago. When the company changed names, I kept my funds in the original 401(k) instead of transferring them. But now I can't find that old account anywhere. I've tried searching and contacting different companies but can't locate it. Do you have any recommendations on how I can find this old 401(k) account?I'm 58 and have a 3-year special catch-up contribution opportunity, during which I can contribute double the normal amount. Should I put all this extra into my 457 plan or split it between the 457 and a Roth account? I don't have much in my Roth currently, so I'm deciding whether to put some in the Roth or just contribute it all to the 457 to get the tax deduction.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsUnclaimedRetirementBenefits.com (The National Registry of Unclaimed Retirement Benefits)Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.