Financial Advice for Students and Early Career Adults with Bob Doll

“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 8:9Each year, Christians pause to remember Good Friday—the day Jesus Christ was crucified. At first glance, calling this day “good” may seem strange. After all, it marks one of the darkest, most sorrowful moments in human history. But for those who trust in Christ, Good Friday isn’t the end of the story—it’s the turning point. It’s the day God’s grace was poured out most fully and most freely.Good Friday invites us into a sacred tension—one of deep sorrow and overwhelming gratitude. It reminds us that Jesus didn’t just die for us—He died instead of us. The pain He endured was not only physical but also spiritual. The weight He carried to the cross wasn’t just a wooden beam but the full weight of our guilt and rebellion.And yet, it was love—not nails—that held Him there.The Financial Language of RedemptionHere on Faith & Finance, we often discuss budgeting, investing, and managing money well. But Scripture frequently uses financial imagery to communicate spiritual realities. This isn't a coincidence. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible to help us understand the gravity of sin and the beauty of salvation.“The wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” - Romans 6:23“The Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.” - Mark 10:45“You were bought with a price. So glorify God in your body.” - 1 Corinthians 6:20These verses paint a clear picture: our sin incurred a debt that only Jesus could pay.Tetelestai: It Is FinishedIn John 19:30, as Jesus gave up His spirit, He cried out, “It is finished.” The Greek word He used—tetelestai—was more than a declaration of His suffering ending. It was a victory cry.In the ancient world, tetelestai was written across receipts to show that a debt had been paid in full. It was the word a priest would use after examining a spotless lamb and declaring it worthy for sacrifice. It was a servant’s report that a task had been completed.So when Jesus spoke it from the cross, He was announcing the completion of His mission: the debt of sin had been fully, finally paid. Jesus didn’t come to make a down payment on our salvation. He didn’t cover part of the cost and leave the rest up to us. He paid it all.That means you and I no longer live in spiritual deficit. We live in the overflow of God’s grace. There’s no more striving to earn God’s favor, no more guilt weighing us down. Instead, we live in joyful obedience—not to gain life, but because in Christ, we’ve already found it.Why Good Friday Is Truly GoodGood Friday is good not because it was easy but because it was enough.At the cross, God demonstrated the greatest act of generosity the world has ever seen. Jesus gave everything so that we could receive everything. His riches were traded for our poverty. His life was given to cover our debt. And now, because of Him, we are invited into the riches of His grace.So, as we reflect today, may we hear His final words echo in our hearts—It is finished. The debt has been paid. The way to the Father is open. The shame is gone. And the invitation to live fully, freely, and faithfully has been extended to each of us.From Financial Fear to Freedom in ChristIf this message resonates with you, we invite you to explore Look at the Sparrows, our 21-day devotional designed to address financial fear and anxiety through the lens of the gospel. In it, you'll discover how the riches of God’s grace free us from worry and invite us to trust fully in His provision.On this Good Friday, rest in this truth: Jesus has already paid the price. Now we get to live generously, not from fear but from freedom.On Today’s Program, Rob Answers Listener Questions:I want to send money to my three cousins in Europe who are in a difficult economic situation. Can I get a tax deduction for gifting them money?I need guidance on being a good steward and managing my giving to various churches and outreaches.I'm receiving a modest inheritance and want to give about $30,000 to one of my siblings. I'm also planning to give $10,000 to my son for a wedding gift. I'd like to know how to handle these gifts from a tax perspective and if I need to split the gifts over two years.I want to know how to start on a debt-free journey and what steps I should take to stay on that path.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom 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.

"Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold." - Proverbs 3:13-14Making wise financial decisions early in life can set the stage for long-term stability and generosity. But where should students and young professionals begin? Today, Bob Doll joins us to share practical financial advice to help young adults start their careers on the right foot.Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets, such as Bloomberg TV, Fox Business, and CNBC. Building a Life of Faithful Stewardship from the StartFinances can feel overwhelming for students and young adults stepping into the world of work—budgets, debt, investing, generosity…where do you even begin? Yet these early years are some of the most formative when it comes to your long-term financial health and spiritual growth. That’s why it’s critical to lay a foundation not just of financial literacy but of biblical stewardship. Here are some timeless pieces of practical wisdom for young adults who want to honor God with their money from the beginning.1. Begin With a Plan—And a BudgetWithout a clear plan for spending, saving, and giving, it’s easy to drift into debt or financial anxiety. A solid budget helps you take control of your finances before they start controlling you.And you don’t have to do it alone. Tools like the FaithFi app make creating an intentional, faith-filled budget easy. It's not just about numbers—it’s about aligning your finances with your values.2. Save for Emergencies—And Stay Out of DebtAfter budgeting, build an emergency fund with three to six months of expenses. Life is unpredictable, and this cushion can keep you from turning to debt when the unexpected hits.Also, make sure to pay off your cards in full each month and chip away at any student loans as quickly as you can.3. Learn from Others—and Find a MentorThere’s no substitute for wise counsel. Watch those who are succeeding with money—and those who aren’t. Learn from both.Having a mentor or a financial advisor who shares your values is essential. Surrounding yourself with godly counsel can help you avoid pitfalls like overspending or failing to save.4. Give Generously—Even When It’s HardStart giving now. Like Randy Alcorn says, “God prospers us not to raise our standard of living, but our standard of giving.” Even when budgets are tight, generosity opens your heart and reminds you that God is the true provider.5. Start Investing Early—and ConsistentlyCompound interest is a powerful force—either for or against you. The earlier you start investing, the more time your money has to grow. Even small, consistent contributions—what financial experts call “dollar-cost averaging”—can make a huge impact over time.Start with low-cost index funds or retirement accounts like a Roth IRA. And don’t overlook your workplace benefits. If your employer offers a match, take it. That’s free money.6. Align Your Investments with Your FaithToday’s investors have more opportunities than ever to make faith-based investment choices. As the movement toward values-based investing grows, believers can increasingly steward their portfolios in ways that reflect biblical principles.7. Embrace Rhythms and Celebrate MilestonesThe journey to financial stability can feel long, especially when progress is slow. That’s why we suggest setting milestones and celebrating small wins. God wants us to enjoy things. We’re not meant to live like monks but are called to be wise.These rhythms of budgeting, saving, investing, and giving aren’t just habits—they’re acts of worship.8. Talk About Money—Especially in MarriageMoney fights are one of the top reasons for marital conflict. Get on your knees in prayer and ask the Lord to guide you both. Set goals as a couple and revisit them often.Being on the same page financially brings unity and builds trust. It’s also a way of inviting God into your relationship in a very practical, day-to-day way.9. Grow in Wisdom—And Keep LearningStaying in God’s Word and learning from wise voices is crucial. Some books that we recommend to help you discern what the Bible really says about wealth and generosity are:Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornStart StrongTo the student, recent graduate, or young couple just starting out: the best time to build wise financial habits is now. Begin with a plan. Learn from mentors. Avoid debt. Save for emergencies. Give generously. Invest consistently. Talk honestly. And let Scripture shape how you think about money.After all, financial wisdom isn’t just about building wealth—it’s about building a life that reflects the heart of God.On Today’s Program, Rob Answers Listener Questions:I'm 70 years old and have $112,000 in my checking account. I'm about to retire and unsure what to do with this money. Should I pay off my $110,000 mortgage or use the funds for home repairs and a new car?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineCrossmark Global InvestmentsMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornThe Treasure Principle: Unlocking the Secret of Joyful Giving by Randy AlcornWisdom 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 the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test.The Temptations of AdversityFinancial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith.James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.”So how do we remain grounded—whether in feast or famine? The answer is wisdom.Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction.Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing.What Wisdom BringsGodly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely:Discernment: “Then you will understand what is right and just and fair—every good path” (Proverbs 2:9).Guidance: “In all your ways acknowledge Him, and He will make your paths straight” (Proverbs 3:6).Blessing: “Blessed is the one who finds wisdom, and the one who gets understanding” (Proverbs 3:13).Reputation: “The wise inherit honor, but fools get only shame” (Proverbs 3:35).Protection: “Through the fear of the Lord a man avoids evil” (Proverbs 16:6).Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways.In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.”When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy.Applying Wisdom to Your FinancesHere are three practical ways to walk in financial wisdom:1. Recognize God’s OwnershipEverything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give.Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart.2. Live by Biblical PrinciplesScripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.”3. Pursue ContentmentPaul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism.What Do Your Habits Reveal?At the end of the day, your financial decisions reflect your spiritual direction. Are your habits shaped by God's wisdom or the world’s values?Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). If you’re following Christ, your money will follow Him, too—toward generosity, simplicity, and trust.Whether you’re walking through a season of prosperity or adversity, God is with you. And if you seek His wisdom, you’ll be equipped to handle both with grace.The world measures success by accumulation, but God measures it by faithfulness. So whatever financial season you’re in right now, stay focused on what truly matters: following Jesus. In Him, there is peace, purpose, and joy—no matter your bottom line.On Today’s Program, Rob Answers Listener Questions:I want to move from our 26-acre farm, but house prices are high. Do land prices follow house prices if the housing market drops?I want to put my house in a trust to protect it in case I end up in a nursing facility, but I can't afford an attorney. What do you think of using an app like Quicken Willmaker for this purpose?I'm a federal employee planning to retire within a year. My TSP is invested 70% in the C fund and 30% in the G fund. Is this a good allocation, or would it be safer to start moving more of my investments into the G fund?I own a house, and I decided a long time ago to put it in my name and my three daughters' names. I'm wondering if I have done the right thing and what the advantages or disadvantages of this decision are.I want to transfer my Arizona property to my children to avoid probate. Are CDs offering 7.5% better than stocks with broker fees?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineWisdom 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.

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

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

Israel is a nation often in the news but seldom for its potential as an investment.​Israel is a tiny country but a powerhouse for investing opportunities, particularly in the tech sector. Brian Mumbert joins us today to examine Israel in a different light.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.Is It Safe to Invest in Israel?Despite frequent headlines about conflict in the Middle East, Israel stands out as a remarkably resilient nation with an entrepreneurial spirit.Israelis have a low view of debt culturally. In fact, at one point, the government even sent out piggy banks to every citizen to encourage savings and wise stewardship. That mindset—combined with a tech-forward economy—creates strong fundamentals that appeal to values-based investors.Understandably, some investors may wonder about the safety of investing in a country with frequent regional conflict. Israel is regulated just like the U.S. They have their own stock exchange—the Tel Aviv Stock Exchange—and the top 125 companies are listed on the Tel Aviv 125 index.Even during times of war, Israel’s economy continues to operate. Brian compared it to the U.S. during World War II: while volatility occurred, the Dow still gained over 50% from 1939 to 1945.A Developed Economy with Room to GrowIsrael graduated from the emerging markets category to a developed economy in 2009. While this was a major step forward, it ironically resulted in less attention from global investors, since many international funds tend to favor larger developed economies like Japan or those in Europe.Still, the fundamentals are strong. Israel’s unemployment and inflation rates remain low, and the U.S. continues to be a committed ally.Israel has earned the nickname “Startup Nation” for good reason. Its high-tech sector employs 12% of the workforce and generates 20% of the country’s GDP.Many Israeli companies don’t become household names because giants like Apple, Google, and Amazon acquire them. Notable examples include:Mobileye—A leader in automotive safety tech.Waze—The crowd-sourced navigation app developed to navigate Jerusalem’s winding roads.Cherry Tomatoes—Yes, even innovations in agriculture like drip irrigation and cherry tomatoes can be traced back to Israeli ingenuity.The government’s support of tech innovation has made Israel the third-largest tech hub globally by capital raised—just behind Silicon Valley and New York.While tech leads the way, Israel’s financial sector is also strong due to the cultural avoidance of debt. This contrasts sharply with many Western nations. Innovations in agriculture (like drip irrigation) and strong export activity also contribute to Israel’s economic resilience.Over 50% of Israel’s exports are tech-related; major U.S. companies like Apple have invested heavily in Israeli startups, demonstrating the global demand for their innovations.Israel’s global relationships are improving, with normalization efforts such as the Abraham Accords expanding diplomatic and trade ties across the Middle East.Venture capital is thriving, too. Israel boasts over 270 active VC funds, and from 2014 to 2018, investment in Israeli startups grew by 140%—more than double the rate in the U.S. during the same period.The Timothy Plan’s Israel Common Values FundTimothy Plan offers the Israel Common Values Mutual Fund for those interested in investing in Israel in a biblically responsible way. This fund stands out in several ways:Actively managed—Fund managers respond in real time to geopolitical developments.Focused exposure—At least 80% of companies in the portfolio are domiciled in Israel.Faith-based screening—Just like all Timothy Plan funds, this one avoids investments in companies involved in abortion, pornography, and other areas contrary to Christian values.The fund performed very well last year as the Israeli Stock Exchange closed the year up over 20%, with most of that growth coming in the second half.If you’re interested in learning more about investing in Israel and doing so in a way that aligns with your faith, visit TimothyPlan.com.On Today’s Program, Rob Answers Listener Questions:I just sold my home with $200,000 in profit. Where's the best place to put this money to earn more interest while keeping it ready for my next home purchase in 6-9 months?As a veteran with limited funds, can I set up a Christian investment account to tithe $100 monthly and distribute it to ministry programs after my death?I'm considering buying a rental property for passive income, but I would like to know if it is wiser to meet with a financial advisor and invest in the stock market instead. I'm single, planning for the future, and want to avoid the time-consuming aspects of managing a rental property.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineTimothy Plan | Israel Common Values Mutual FundBankrate.comWisdom 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’ve probably heard the phrase, “You can’t out-give God.” It may initially sound like bumper-sticker theology, but the truth behind it runs deep. Though you won’t find those exact words in Scripture, the idea captures something profoundly true about God’s heart: His generosity is limitless—and it’s meant to shape our own.From Genesis to Revelation, Scripture reveals a God who gives. But nowhere is His generosity clearer than in John 3:16:“For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life.”This is the ultimate act of giving—motivated not by our merit but by His love. Romans 5:8 echoes the same truth:“God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”God didn’t give to get. He gave because He loves. And when we receive that love, it transforms how we view giving—not as a transaction but as a response.Giving as a Response to GraceLet’s be honest: Giving can feel risky. You might wonder, “What if I give too much and don’t have enough left?” But the Bible reassures us that God provides for those who give in faith.2 Corinthians 9:8 says:“God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.”This isn’t a promise of earthly riches. It’s a promise of sufficiency—that God gives enough so we can keep participating in His work.We don’t give to earn God’s favor. We already have that through Jesus. That’s grace—unearned, undeserved, freely given. And grace leads to gratitude. It turns our hearts outward.Giving Isn’t About GettingSome teach that generosity leads to material blessings. And yes, God sometimes blesses financially so that we can continue giving. But that’s not the goal. Author Steve Johnson puts it well:“We are not to give to get earthly reward, expecting God to always give us back in this life what we invest in the Kingdom. Instead, seek the heavenly reward of God Himself.”That’s the real treasure: not stuff, but the Giver Himself. Generosity deepens our trust in God and draws us closer to His heart. King David got it. When he led the Israelites in giving toward the Temple’s construction, he didn’t boast. Instead, he prayed:“But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” - 1 Chronicles 29:14David knew the truth: everything we have belongs to God. Giving isn’t really “ours”—it’s just returning what He already gave us. That changes how we see money, generosity, and even success.Imitating the Ultimate GiverWhen we say “You can’t out-give God,” we’re not making a challenge. We’re affirming a truth. James 1:17 reminds us:“Every good and perfect gift is from above, coming down from the Father…”Our generosity isn’t about competition—it’s about imitation. Ephesians 5:1 calls us to “be imitators of God, as beloved children.” That includes imitating His generosity. As we grow in faith, we become more like Jesus, who gave everything. Galatians 2:20 says:“I have been crucified with Christ and I no longer live, but Christ lives in me…”That changes our priorities. Our trust deepens. Giving becomes an act of worship, not obligation.You may not feel like a generous person today, but don’t be discouraged. God is patient. His Spirit is working in you. 2 Peter 3:18 urges us to:“Grow in the grace and knowledge of our Lord and Savior Jesus Christ.”That growth includes learning to trust Him more and give more freely. And when we give in Jesus’ name, we don’t just meet needs—we reflect His love.Here’s the beautiful part: We don’t give because we have to. We give because we get to. We participate in what God is doing in the world. And in the process, we experience the joy of knowing Him more deeply.So no, we’ll never out-give God. But we don’t need to. We simply follow His lead, walk in His love, and let His generosity flow through us.On Today’s Program, Rob Answers Listener Questions:I have a mortgage with a balance of $29,000, and I was wondering if it is okay to pay that off.I have an IRA with Fidelity, and they suggested to me about taking an insurance deposit. I can take up to 250 grand and put it into something for three years.I have two credit cards - one for $1,372 at 22.5% interest and another for $3,632 at 0% interest until July. I have $1,500 to pay off debt. Which card should I pay off?I have a term insurance policy that will mature in August. I keep seeing advertisements where you can sell insurance policies, and I want to know if this would create a taxable situation or if it's even ethical.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineGainbridge AnnuitiesWisdom 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.

Most people would say their most important relationships are with their spouse, children, or close friends. These connections are deeply meaningful and essential. But there’s one relationship that surpasses them all—your relationship with God.You might be wondering, What does my relationship with God have to do with money? That’s a fair question—and the answer is, quite a lot.While human relationships are a gift from the Lord, none carry more eternal weight than our relationship with Him. God invites us into close fellowship, and how we manage what He’s given us is part of that journey.The Bible provides three foundational truths to help us understand the significance of this relationship, especially when it comes to money.1. God Owns EverythingColossians 1:16 says,“For by him all things were created, in heaven and on earth, visible and invisible... all things were created through him and for him.”God is the Creator and Owner of everything, including your money, time, possessions, and even your abilities.2. God Entrusts Us With His Resources1 Peter 4:10 tells us,“Each of you should use whatever gift you have received to serve others, as faithful stewards of God’s grace…”We don’t own anything outright. God entrusts us with resources so we can steward them faithfully and generously.3. God Desires a Close Relationship with YouJames 4:8 says,“Draw near to God, and he will draw near to you.”God is not distant. He wants a daily, personal relationship with you—one in which trust, dependence, and obedience shape every area of your life, including your finances.Money Is a Spiritual MatterThe Bible contains over 2,300 verses about money and possessions. Why so many? Because how we handle money reflects the condition of our hearts.As our friend Howard Dayton has said, managing money according to God’s wisdom deepens our fellowship with Christ. Jesus called this kind of relationship “true riches.”Luke 16:11 says,“If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?”When we manage money well—not to earn God’s favor but as an act of worship—we reveal a heart that trusts Him.Heart Check: What’s Standing in the Way?Sometimes, obstacles get in the way of this kind of faithful stewardship. They usually fall into two categories:1. Financial NeglectThis is unintentional. Life gets busy, and organizing your finances can feel overwhelming or unimportant. But ignoring your money can lead to stress, disorganization, and missed opportunities to serve and give.A practical step: Download the FaithFi app. It offers three easy ways to set up a spending plan and track your money. It’s a simple tool to help you begin stewarding faithfully.2. Financial IdolatryThis is more subtle. You may be diligent in budgeting, saving, or investing, but you still hold your money tightly, unwilling to surrender it to God.Jesus said in Matthew 6:24,“No one can serve two masters... You cannot serve God and money.”Money can become a rival to God’s rightful place in our hearts. We may hesitate to give generously or support Kingdom work—even though God is calling us to trust Him more deeply.Are You Missing Out on “True Riches”?Some assume that financial choices don’t affect their spiritual lives, but that’s not what Scripture teaches. If you’re not following biblical principles in handling money, what peace or spiritual growth might you be missing?Ask yourself:Do I trust God with my finances?Am I generous with what He’s given me?Is my financial life aligned with His Word?If any of this resonates with you, don’t wait. Commit your finances to the Lord in prayer, and then follow through by managing them according to biblical wisdom.Start with the FaithFi app—not just to budget but to renew your perspective. It connects you to trusted Christian financial content and helps you integrate your faith with every financial decision you make.True riches aren’t found in net worth or material success. They’re found in knowing Christ and faithfully stewarding what He’s entrusted to you—for His glory.On Today’s Program, Rob Answers Listener Questions:I have a $220,000 CD earning 0.6% interest and a loan that will increase from 2.9% to 4.4-6%. Should I use the CD to pay off the loan completely or partially?Is it better to make a direct cash contribution of $5,000 to an organization or set up an endowment that would provide them with a few hundred dollars annually?I'm a retired military veteran with an annual income of $117,000 from military retirement, VA disability, Social Security, and state retirement. I want to ensure my wife is financially secure if she outlives me. Should we increase her 401(k) contributions or use another investment mechanism?My property taxes and mortgage payments have skyrocketed, making my monthly payments unaffordable. What are my options for dealing with these increases?I have $2,500 extra and want to pay down credit card debt totaling $5,000. I have three cards: one for $200, another for $1,000, and a third for $2,700. Should I pay off the smaller cards first and then focus on the $2,700 card?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineWisdom 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.

Puritan poet Anne Bradstreet once said, “Wisdom without an inheritance is better than an inheritance without wisdom.”Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. Today, Ron Blue joins us to discuss the Uniqueness Principle and how it can guide parents in passing down wealth effectively.Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance, including Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives.The Uniqueness Principle: Equal Love, Unique TreatmentProbably every parent of more than one child has asked, “How can children coming from the same two parents, with the same gene pool, living in the same environment, with the same stimuli…be so different?” Of course, we all know that estate planning can be challenging, and we understand the desire to be fair. However, the answer lies in what Ron Blue calls the Uniqueness Principle: Love your children equally, but treat them uniquely.If we think about how God treats us, He loves us all equally and treats us uniquely. In other words, God doesn’t give everyone the same gifts, challenges, or circumstances—and maybe we shouldn't either when planning our estates.One child may have greater needs, and another may be wiser in handling money. Those realities need to be part of the decision-making process for transferring wealth. Each of my children is different financially, emotionally, and spiritually. Over the years, Ron and his wife, Judy, have allocated varying amounts to each of them, taking into account their individual needs and life circumstances. Good stewardship means recognizing these differences and allocating resources accordingly.Fairness vs. Favoritism: Learning from ScriptureMany parents worry about resentment among their children if they don’t divide assets evenly. The best way to handle this is through clear communication. Open and honest conversations while you’re alive can help your children understand your reasoning and prevent misunderstandings. Explaining your heart and thought process fosters unity and clarity.As parents, we need to work diligently to avoid favoritism. Rightfully so, as favoritism has caused much pain and divisiveness in families for thousands of years. Look at the story of Joseph in the Old Testament. The Bible says that his father, Jacob, "loved Joseph more than any of his other sons" (Genesis 37:3). Jacob later gave Joseph a richly ornamented coat of many colors. Although Jacob had unique treatment toward Joseph, Jacob violated the Uniqueness Principle. Jacob did not love his sons equally. Equal love often requires unique treatment. As stewards of God’s resources, we are called to manage them wisely, ensuring that our decisions reflect both love and responsibility.The Three Questions That Changed EverythingThat said, we aren’t saying that it is better to leave different amounts to children. Instead, following a systematic process is the key to wise decisions. When making wealth transfer plans, Ron encourages parents to ask themselves three key questions:It’s helpful to ask yourself three questions:What is the worst (or best) thing that can happen if I transfer wealth to this child?How serious is it? How likely is it to occur? The purpose of these questions is not to arrive at a predetermined answer. You may end up distributing assets to your children equally or disproportionately, but that’s not the objective of these questions. The goal is to guide you toward a well-thought-out decision.Ultimately, wealth transfer should reflect God’s wisdom, not just human emotions. We are accountable to Him for how we allocate His resources. Factors such as financial need, spiritual maturity, and life circumstances should all be prayerfully considered.So, should you leave different amounts to your children? Maybe. Maybe not. The key is to seek God’s wisdom, ask the right questions, and make decisions that honor Him and bless your family in the best way possible.On Today’s Program, Rob Answers Listener Questions:How do I restructure my finances since I was terminated from my position and am no longer working?I have $700,000 and want to invest in a variable annuity with a 20% buffer. Is this a good idea?I received correspondence requesting a vote to approve the reorganization and merger of my mutual fund shares into a new account. How do I evaluate what factors to consider when making this vote?How do we balance stewarding our money well and living radically generously?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy WhiteWisdom 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.

“And he died for all, that those who live might no longer live for themselves but for him who for their sake died and was raised.” - 2 Corinthians 5:15.Most of us view our income as God’s primary way of providing for us—and then, almost as an afterthought, we consider giving. But what if Scripture teaches the opposite? Paul David Tripp is here to flip our theology of money upside down.Paul David Tripp is the president of Paul Tripp Ministries, a pastor, best-selling author, and international conference speaker with a heart for connecting the transforming power of Jesus Christ to everyday life. He has written over thirty books and resources on Christian living, including Redeeming Money: How God Reveals and Reorients Our Hearts.Why We Struggle to Be GenerousSin causes us to live with an obsessive self-focus, and money often becomes the most obvious place that focus shows up. We think first about what we need, want, and what dreams money can buy…and only then might we consider being generous with it.We need to recognize the tension between what God intends for our money, what we say we believe about Him, and how we actually live that out through our bank accounts.”Reversing the Order: What If Generosity Came First?Here’s the big idea that flips our theology of money on its head:Most of us view our income as God’s primary way of providing for us—and then, as a sort of afterthought, He also calls us to give. But what if Scripture actually teaches the opposite?What if God’s primary purpose for money is that we would be participants in His generosity story? And then, almost as an afterthought, He uses it to meet our daily needs?”This idea is rooted in Jesus' words in Matthew 6:19–34, the “Treasures in Heaven” section of the Sermon on the Mount. Jesus teaches that financial peace begins not with budget-savvy spreadsheets but with trust: You have a heavenly Father who knows what you need and promises to provide.Here are just a few of those promises:Philippians 4:19—“And my God will supply every need of yours according to his riches in glory in Christ Jesus.”Matthew 6:31–32—“Do not be anxious… your heavenly Father knows that you need [these things].”Luke 12:24—“Consider the ravens…yet God feeds them. Of how much more value are you than the birds!”If God has taken the burden of provision off our shoulders and onto His, then we’re free to have a bigger, more beautiful vision for our money.A Transformed Purpose: From Getting to GivingWhen we understand that provision is God's job and generosity is our calling, we begin to see money differently. Paul highlights Ephesians 4:28 to illustrate this:"Let the thief no longer steal, but rather let him labor, doing honest work with his own hands, so that he may have something to share with anyone in need."Here’s what’s striking: The passage doesn’t say, “so he can legally provide for himself.” The focus shifts from self-centered stealing to God-honoring generosity. It’s not just a change in behavior—it’s a complete transformation of the heart.God’s grace reorders our motives. Without this grace, our pursuit of money will always drift toward self. And we’ll try to squeeze God into the leftovers.More Than Mechanics: Recovering the Bigger PicturePaul also notes that many Christians get stuck in the mechanics of money:How do I get out of debt?How much should I give?Will I have enough for retirement?These are good and necessary questions, but if we focus only on them, we miss the greater story.Instead of starting with ourselves and hoping something is left for God, Scripture invites us to flip that approach. We’re called to live as God’s generous ambassadors on earth, using our money as an act of worship, love, and service.It’s not about ignoring bills or forsaking grocery runs—it’s about reordering our hearts.Freedom Through GenerosityMay God, in His faithful grace, continue to liberate us from our bondage to ourselves. He will liberate our wallets from their bondage to self-focus as He does.This isn’t just about giving more—it’s about being more like Jesus.When we align our theology of money with God's Word, we stop clinging to what we have and start participating in what He’s doing. And in that act of radical generosity, we discover true financial freedom—not because we have more, but because we need less. God is enough.On Today’s Program, Rob Answers Listener Questions:I have $36,000 in student loans with different balances and interest rates. I'm paying off the higher interest rate loans, but I heard I should pay the smallest balance first. Should I change my strategy?We're moving IRA money to a Roth, and our CPA suggests using a charitable gift account to pay for our tithe. I'm uncomfortable with this, feeling like we shouldn't use funds that gave us a tax benefit for our tithe. Is this okay?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippPaul Tripp MinistriesWisdom 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.