Is Our Theology of Money Upside Down? with Paul David Tripp

“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.

“Where your treasure is, there your heart will be also.” — Matthew 6:21When Jesus said those words, He wasn’t just giving us a lesson on giving or saving. He was getting to the root of something much deeper: our hearts.At Faith & Finance, we often say that money touches every part of life, but the most important part is our spiritual life. Our financial decisions, priorities, and fears don’t just reflect our budgets—they reflect our beliefs, values, and, ultimately, our worship.Let’s explore how our money issues are really heart issues—and what that means for how we live and give.More Than Just a ToolMany people see money as a neutral resource—a tool to earn, spend, save, or give. But Scripture reveals that money has much more influence than we realize. It can:Shape our desiresTest our trustReveal what we truly worshipThat’s why issues like debt, greed, anxiety, or even generosity aren’t primarily financial—they’re spiritual. When we overspend to maintain a lifestyle, is it because our identity is tied to our possessions? When we obsess over savings or investments, is it because we trust our bank account more than we trust God? When we hesitate to give, are we being ruled by fear of not having enough?In this way, money becomes a spiritual thermometer—measuring our faith and showing us where our hearts truly rest.The Rich Young Ruler: A Heart ExposedOne of the clearest biblical examples of this dynamic is the story of the rich young ruler in Mark 10:17–22. Eager to inherit eternal life, this man claimed to have kept all the commandments. But Jesus knew his heart.“Go, sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me.” — Mark 10:21The man walked away, sorrowful. His wealth had a stronger grip on his heart than his desire to follow Jesus. His struggle wasn’t with budgeting—it was with idolatry.As John Calvin famously said, “The human heart is an idol factory.” We all have things we cling to—things we’re tempted to trust more than God. The rich young ruler’s story invites us to ask: What would make us walk away from Jesus?If the answer is money, then our issue isn’t financial—it’s spiritual.When Money Reveals Fear, Not Just GreedOf course, not everyone struggles with greed. Some struggle with fear. Jesus spoke to this often.In Matthew 6:25–34, Jesus tells us not to worry about food, drink, or clothing. If God cares for the birds of the air and the flowers of the field, how much more will He care for His children?Financial anxiety reveals something crucial: a lack of trust in God’s provision. When we believe our well-being depends entirely on our ability to earn, save, or invest, we carry a weight God never intended us to bear.This doesn’t mean we shouldn’t plan wisely—but it does mean that financial stress often signals a deeper spiritual need to trust God’s character and promises.Generosity: A Window Into the SoulIf money is a heart issue, then our generosity—or lack of it—speaks volumes.The early church in Acts was known for radical generosity. Believers sold possessions and shared what they had to meet each other’s needs. Why? Because the gospel had transformed their hearts. Their giving flowed not from guilt but from grace.C.S. Lewis once wrote,“Every faculty you have…is given you by God. If you devoted every moment of your whole life exclusively to His service, you could not give Him anything that was not in a sense His own already.”True generosity doesn’t come from obligation—it comes from a heart that knows everything belongs to God.So ask yourself: Do I see money as mine to control or God’s to steward? Do I give joyfully—or do I give reluctantly, out of fear?Transforming Our Financial HeartsSince money problems are ultimately heart problems, the solution goes beyond budgeting tools and interest rates (as helpful as those are). What we need most is heart transformation.Here are four truths to guide your financial discipleship:1. Recognize That Money Is a Test of TrustDo you really believe God will provide? If not, fear will drive your financial choices more than faith.2. Practice GratitudeDiscontentment fuels anxiety, but gratitude shifts our focus to what God has already given.3. Give GenerouslyGiving breaks the power of money over your heart. It’s a spiritual exercise that redirects your trust toward God.4. Seek First the KingdomJesus promised that if we seek God’s kingdom first, all these things—our needs—will be provided (Matthew 6:33). Prioritize Him, and let peace replace worry.What Do You Treasure Most?In the end, how we handle money reveals what we treasure. May we be people who treasure Christ above all—because only then will our hearts be truly free.Let’s make sure our treasure—and our trust—are in the right place.On Today’s Program, Rob Answers Listener Questions:I retired in 2021 with a good income and 401(k), but now I've depleted my debt, and I'm struggling to pay bills. Am I required to pay tithes out of my Social Security income?Our church has outgrown its old, falling-apart building. We need about a million dollars to build a new one. What would be the best financial institution for us to use?I was given $2,000 for my daughter, who is a part-time student. How can I invest this money so it grows? Also, what do you think about Quicken Will? Is it a good app for creating a will, trust, or power of attorney?How can I verify or investigate an investment opportunity where I would invest $10,000 and supposedly get 250% back?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit UnionTrustandWill.com | Quicken Willmaker & TrustSchwab 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.

“A slack hand causes poverty, but the hand of the diligent makes rich.” — Proverbs 10:4At Faith and Finance, we believe the Bible offers timeless financial wisdom—and sometimes, that wisdom shows up in the form of gentle correction. Let’s face it: we all make financial missteps—some intentional, others unintentional. But every mistake is an opportunity to grow in wisdom and stewardship.If you’ve made some poor decisions with your money, don’t let Proverbs 10:4 discourage you. Instead, take heart in Proverbs 19:20:“Listen to advice and accept instruction, that you may gain wisdom in the future.”Let’s walk through six money mistakes that can quietly erode your wealth—and how to avoid or correct them with diligence and wisdom.1. Living Paycheck to PaycheckOne of the most common financial traps is spending everything you earn. When there's nothing left over at the end of the month, you're missing an essential part of wise stewardship: saving.The solution? Pay yourself first.Start by setting up an automatic transfer from your checking account to your savings. Even if it’s a small amount, consistency is key. Adjust your monthly spending to fit what remains. Yes, it might mean cutting back on things you've grown used to, but almost everyone can trim something from their budget.Aim to save at least 10% of your income. Over time, this will build your financial margin and peace of mind.2. Not Having an Emergency FundWithout savings, every unexpected expense becomes a crisis. And that leads to our next mistake—debt.Once you’ve begun setting money aside, build your emergency fund. Start with a goal of three months’ worth of living expenses and work your way up to six. This financial cushion protects you from having to rely on credit when life throws a curveball.3. Paying Interest on Consumer DebtWithout savings, many people make the costly mistake of using credit cards to cover emergencies.If you carry credit card debt, the biggest mistake you can make is only paying the minimum. Take a close look at your statement—it may show how long it’ll take to pay off your balance at the minimum payment. The number might shock you: 15 years or more.Reframe your spending by asking, "What is this really costing me?"A $30 dinner paid with a credit card could cost $60 or more by the time it’s paid off. That’s not good stewardship.4. Buying a New Car (When You Can’t Afford It)There’s nothing wrong with buying a new car—if you can pay cash for it. That’s the key.Instead of taking on car loans, aim to pay cash for your vehicles, new or used. After you pay off your current car loan, keep making those same “payments”—but to yourself. Put them in a savings account and use that money to purchase your next car.It may take a few vehicles to get there, but eventually, you'll be able to pay cash—and that will be a glorious day.5. Not Opening a Roth IRAEspecially if you're young, not opening a Roth IRA is a missed opportunity for long-term, tax-free growth.Once your emergency fund is in place, consider contributing to a Roth IRA, even if you’re already contributing to a 401(k) at work.In 2025, you can contribute up to $7,000 annually to a Roth IRA—or $8,000 if you're age 50 or older. Because you're contributing after-tax dollars, your qualified withdrawals in retirement will be tax-free.That’s a powerful way to build lasting wealth.6. Buying Too Much HouseHomeownership can be a blessing, but only if approached wisely. Spending too much on a house can strain your budget, robbing you of financial flexibility and peace.A manageable mortgage, combined with consistent savings, puts you on a path toward financial stability and positions you to honor God with greater freedom and generosity.We all make mistakes with money, but we don’t have to stay stuck in them. God’s Word is full of grace and wisdom. When we humbly receive correction and take steps toward diligence, we grow not only in financial strength but also in spiritual maturity.So, whether you’re just beginning your financial journey or recalibrating after a few missteps, remember that wisdom is always available to those who seek it.“Listen to advice and accept instruction, that you may gain wisdom in the future.” — Proverbs 19:20Let’s walk in wisdom and let our money reflect our trust in the One who provides everything.On Today’s Program, Rob Answers Listener Questions:I have a disabled son, and I would like to leave him some money without attorneys or the government taking it away from him. Is there a way to do that?I'm retired but still working a few days a week, and my Social Security is deducted from my paycheck. What happened to that Social Security? Do I get it later? How does it work?I have a 401(k), and I'd like to know how I can invest according to my values with the options available in it. The only options are big companies that I'd rather not invest in. Do you have any suggestions?We recently sold our house for a good profit, and I'd like to know how we tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and the interest we paid on it?I left a job and rolled my 401(k) over to my current employer's account. I also have another 401(k). Should I combine them or keep them separate? I'm also getting a car accident settlement. Should I use it to pay off my car loans and credit cards or invest it and continue making payments?I'm 58 and still working, with my house and car paid off. When is it appropriate to redo my will? Is it time to do a trust? Or when is that the wise thing to do?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineList of Faith-Based Investment FundsWisdom 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.

"But seek first the kingdom of God and His righteousness, and all these things will be provided for you." – Matthew 6:33This verse calls us to put God’s Kingdom first in every aspect of our lives—including our investments—trusting that He will provide and use our efforts to advance His purposes. Today, Will Lofland joins us to share how that’s happening right now.Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone’s shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.Who Is Guidestone?Guidestone is more than a financial services firm—it's a ministry to ministries. It is focused on serving ministries in all financial aspects of their work, including retirement plans, insurance solutions, wealth management, and the nation’s largest Christian-screened mutual fund family.By equipping ministries with financial stability and security, Guidestone helps leaders focus more fully on spreading the gospel. Their services are designed to remove the weight of financial anxiety so that pastors, missionaries, and nonprofit leaders can flourish in their callings.What makes Guidestone unique is its unwavering commitment to honoring God with every dollar invested. Through rigorous Christian values screening, corporate engagement, and impact investing, it ensures that each fund reflects biblical principles.Guidestone’s Impact Funds are an extension of this stewardship philosophy. Launched just before 2020, these funds go beyond avoiding harmful investments—they proactively invest in companies, projects, and causes that create meaningful change.Take the Impact Bond Fund, for example. It invests in projects like:Clean water infrastructureAffordable housing initiativesChristian-focused senior living communitiesThey believe that if we are truly stewards of God’s resources, we want to invest in a manner that honors God and His purposes for human flourishing. Introducing the Kingdom Causes ProgramWhile securities can create positive change, their reach has limits. That’s where Guidestone’s Kingdom Causes program comes in.Born out of the Impact Funds initiative, Kingdom Causes donates 20% of the advisory revenue generated by the Impact Funds and supplements it with additional funding. Since 2020, they’ve donated nearly $750,000 to ministries advancing the gospel and protecting life.Their giving is focused on two core pillars:Sanctity of LifeSpreading the GospelFrom local to global, the ministries they support reflect these values.Ministries Making a DifferenceLocal Impact: Prestonwood Pregnancy CenterLocated in the Dallas area, this center is an extension of Prestonwood Baptist Church and serves women with compassionate care and gospel-centered support during unplanned pregnancies.They provide honest care, real information, and a strong infrastructure to support needy women. National Reach: Psalm 139 ProjectThis initiative provides ultrasound machines and resources to pregnancy centers nationwide, reinforcing the value of life and empowering expectant mothers.Meeting Physical Needs in the Name of JesusGuidestone also supports ministries that serve practical needs as an avenue for gospel outreach.Send ReliefA joint venture between the International Mission Board (IMB) and the North American Mission Board (NAMB), Send Relief addresses urgent needs like the following:Medical Missions in VenezuelaEntrepreneurial training for widows in AfricaLocal development projectsThese efforts not only meet physical needs but also open doors for evangelism.Faith-Based Content for Kids: Meet MinnoRecognizing the need for Christ-centered media, Guidestone supports Minno, a streaming platform offering biblically grounded content for children. It gives parents peace of mind knowing their kids are watching wholesome, faith-filled shows.Discipling the Forgotten: Prison MinistriesTwo standout organizations Guidestone supports are:Prison Fellowship: Sharing the hope of Christ with incarcerated individuals. Prison Seminaries Foundation: Partnering with Baylor University to provide seminary training to inmates serving long sentences.These ministries are transforming lives behind bars, raising disciple-makers where they’re least expected.How You Can Join InWhen you invest in Guidestone’s Impact Funds, you’re doing more than planning for your future—you’re also making an eternal impact. Visit GuideStoneFunds.com/Faith to learn more and to explore their faith-based investment options. On Today’s Program, Rob Answers Listener Questions:I'm in the midst of my retirement or death planning, and I'm wondering what criteria I should use for creating a trust versus just having a will.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineGuideStone FundsWisdom 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.

"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it." — Proverbs 13:11This verse offers a powerful lesson on financial stewardship—true and lasting wealth isn’t built through shortcuts or speculation but through steady diligence and faithful management. In today’s fast-paced world, financial success is often measured by how quickly one can accumulate wealth. Social media is filled with stories of overnight millionaires, high-risk investments, and shortcuts to riches. But is this the right approach? Let’s explore how this biblical principle plays out in real life.The Temptation of Instant WealthTo illustrate this principle, let’s look at the real-life story of an executive at a major Western bank—we’ll call him Brian to protect his anonymity.Brian began his finance career in the 1990s, confident in his ability to manage money. However, he now admits that he was living beyond his means and accumulating debt. This financial instability made him especially susceptible to the allure of quick wealth, particularly during the height of the dot-com boom in the early 2000s.When a coworker offered him a chance to get in on the ground floor of a "can’t lose" tech startup, Brian didn’t hesitate. He scraped together $10,000, convinced he was on the fast track to wealth. In his mind, success was inevitable—he was already preparing to celebrate.But before he could, Brian heard the sound of the dot-com bubble bursting. His investment vanished, lost in a company he knew little about. He had chased quick wealth only to face the painful consequences.His story echoes the warning of Proverbs 28:20:"A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished."The Consequences of Chasing Quick WealthIt’s important to understand that God doesn’t sit around waiting to punish people for making bad financial choices. Instead, He may allow those poor decisions to lead to their natural consequences. Proverbs 13:11 teaches that when money is gained too quickly—whether through reckless speculation, gambling, or unethical shortcuts—it often lacks a foundation of wisdom and discipline, making it easy to lose.1 Timothy 6:9-10 warns:"Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."Many people experience financial hardship because they prioritize speed over stewardship. But God has a better way.The Power of Slow, Faithful GrowthIf Proverbs 13:11 warns against hasty wealth, it also points us to a better way:"Whoever gathers little by little will increase it."This principle isn’t flashy, but it’s powerful. True financial growth happens gradually through wisdom, patience, and discipline.Rather than seeking quick riches, God calls us to:Work diligently and earn honestly (Colossians 3:23).Save and invest wisely over time (Proverbs 21:20).Be generous and steward money for His purposes (2 Corinthians 9:6-7).Financial success isn’t about speed—it’s about faithfulness over time. Or, as the late Eugene Peterson put it so well, it’s about “long obedience in the same direction.”Brian’s Financial RedemptionBrian’s story didn’t end with financial ruin. Instead of giving up, he decided to take a biblical money management class through his church. That’s when things started to turn around.He learned to be more disciplined with his finances—budgeting, saving, and living within his means. Eventually, he began investing again, but this time, he avoided speculation and focused on something he understood: real estate. He started small, took his time, and remained patient.Because he wisely managed his investments, his real estate holdings survived the housing crash and the Great Recession. Over time, he even started a fitness-related business with his son—something he had always dreamed of. That business survived the challenges of COVID-19 and is still thriving today.Brian’s financial recovery wasn’t instant. It was the result of steady, faithful growth over many years. His story is a testament to the wisdom of Proverbs 13:11—building wealth little by little often leads to long-term success.If you’ve experienced financial setbacks, don’t lose heart. The key is to keep moving forward. The world promotes shortcuts, but God calls us to faithfulness. If we embrace patience, diligence, and godly stewardship, we’ll not only experience financial security but also the joy of honoring Him with our resources.So, instead of chasing instant success, let’s follow God’s way—one wise step at a time.On Today’s Program, Rob Answers Listener Questions:I received a notice from my bank about an arbitration provision and class action waiver for dispute resolution by individual arbitration. What does this even mean?I'm doing a remodel because my husband has Parkinson's, and I need to modify the bathroom to accommodate him. The bathroom renovation will cost about $25,000 to $30,000. Should I take the money from my 401(k), or would it be better to use funds from my home, which has been paid off for about seven years?My wife had open heart surgery at the end of 2023, and due to her portable bypass, she's unable to work continuously. I want to build retirement savings for her through a Roth IRA. I know I can open a spousal IRA for her since I'm working, but I'm concerned about whether this might affect her current disability benefits.I'm 65 and considering retirement in a couple of years. My friends suggest I take Social Security now, but I'm wondering about the best strategy. I'm currently 67 and don't need the money right now. Should I take Social Security now, wait until my full retirement age, or wait until I'm 70 to get a higher benefit? What are the investment implications of each option?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageSSA.gov (Social Security Administration)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.

"Behold, children are a heritage from the Lord, the fruit of the womb a reward." – Psalm 127:3Children are a precious gift from God—a reward and a heritage to be cherished. With the incredible joy of welcoming a newborn also comes great responsibility, especially in managing finances wisely.To help new parents navigate this season, here’s a New Baby Financial Checklist to ensure you’re covering all the essential financial bases.1. Add Your Newborn to Your Health InsuranceIn the whirlwind of 2 AM feedings and endless diaper changes, don’t let updating your health insurance slip through the cracks. Most plans allow a 30-day window after birth to add your baby to your policy.While you’re at it, double-check that your plan covers:Pediatric careVaccinationsEmergency hospital visitsThankfully, welcoming a new baby qualifies as a “life event,” meaning you can make necessary adjustments to your plan.2. Secure Life Insurance CoverageLife insurance isn’t for the baby—it’s for you. Ensure you have a term life policy that provides at least 10 times the primary breadwinner’s salary in coverage.Don’t overlook the caregiving spouse, either! If something were to happen to them, the cost of childcare could be significant. Securing life insurance ensures financial stability for your growing family.3. Update Your BudgetIt’s time to add a “Baby” category to your budget. When estimating how much to allocate, consider these new expenses:Diapers and wipesBaby clothes (that seem to shrink overnight!)Baby food and formulaMedical expensesThese costs add up quickly. You may need to adjust other budget categories to stay on track, but planning ahead will reduce financial stress down the road.4. Create or Update Your WillA will isn’t just about distributing assets—it’s about securing your child’s future. One of the most critical decisions in your will is naming a guardian for your child in case both parents pass away.While this can be a difficult decision, it’s essential to have a plan in place. Pray for wisdom and choose someone who shares your values and would provide loving care if the unthinkable happens.Proverbs 13:22 reminds us: “A good man leaves an inheritance to his children’s children…” This inheritance isn’t just financial—it includes faith, wisdom, and values that shape their future.5. Build or Strengthen Your Emergency FundIf you don’t already have an emergency fund, now is the time to start. Aim for 3 to 6 months’ worth of living expenses in savings.A new baby comes with many surprise costs, from medical bills to strollers that cost more than you expected. If a financial emergency—like a job loss—were to happen, having this cushion would be a huge blessing.6. Update Your TaxesWith the arrival of your baby, your tax situation changes:Child Tax Credit—You can claim your baby as a dependent on your tax return, which may qualify you for a $2,000 tax credit.Adjust Your W-4—Update your W-4 form at work to ensure your withholding reflects your new family size. You may be able to withhold less, increasing your take-home pay.7. Start an Education Savings FundIt may feel early, but saving for your child’s education now can set them up for success. A 529 plan is a great option—it can be used for:Private K-12 tuitionVocational or technical trainingCollege education529 plans also offer tax-free growth on investments used for qualified educational expenses. Bonus: Recent tax law changes now allow unused 529 funds to be rolled into a child’s Roth IRA (up to $35,000), making them even more beneficial!8. Freeze Your Child’s CreditIdentity theft isn’t just an adult problem—it can happen to children, too. If you’ve applied for a Social Security number for your baby, consider placing a credit freeze with the three major credit bureaus.This prevents fraudsters from opening accounts in your child’s name, protecting their financial future.Welcoming a new baby is an incredible blessing, but it also comes with financial adjustments. By taking these steps, you can ensure a secure and stable future for your family.Have you checked off all the items on this list? Start today and take one step at a time—you’ve got this!On Today’s Program, Rob Answers Listener Questions:Can you recommend a burial insurance of any kind?I recently retired at 70 and have money in a 401(k) that I'm unsure how to handle. My wife keeps saying we should invest in gold, but I don't know much about the stock market. Should I get a personal advisor to help me reinvest this money?I'm a federal government retiree with a pension. I'm 61 years old and have no debt besides my house payment. I'm not currently investing in anything. What would you recommend as an investment path for someone in my retirement situation?We have a 22-year-old adult daughter who lives with us. She is only responsible for paying her car insurance. We would like to know if it's biblical to start charging her rent to live with us and, if so, how we should determine the right dollar amount.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineSound Mind InvestingList of Faith-Based Investment FundsWisdom 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.

“We love because He first loved us.” – 1 John 4:19Those six words beautifully capture the foundation of our relationship with God—we can only love and give because He first gave to us. Today, Sharon Epps joins us for a fascinating discussion on the generosity of women in the Bible.Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.The Women Who Provided for JesusLuke 8:1-3 records an often-overlooked detail:“Soon afterward, He went through cities and villages, proclaiming and bringing the Good News of the Kingdom of God. And the twelve were with Him, and also some women who had been healed of evil spirits and infirmities: Mary, called Magdalene, from whom seven demons had gone out, and Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.”This passage tells us three key things:These women had been healed by Jesus—physically, spiritually, or both.They supported Jesus’ ministry financially out of their own wealth.Their generosity was a response of gratitude for what Christ had done for them.One of these women, Joanna, stands out in particular.Joanna: A Woman Transformed by JesusJoanna was the wife of Chuza, King Herod's household manager. Thus, she likely had significant wealth and lived a royal lifestyle. Yet, despite her status, she was weakened when she met Jesus. She needed healing, and her first act of generosity was actually receiving—not giving.This is a powerful reminder: Before we can give, we must first receive.What Does This Teach Us?Money alone doesn’t solve all problems—Joanna had wealth but still needed Christ.Generosity starts with receiving—not just financially, but in all aspects of life.God uses people from all walks of life—even a woman in Herod’s court—to fund Jesus' ministry.Receiving Before We GiveJoanna’s story reminds us of an important biblical truth: we can only give what we have first received.1 Corinthians 4:7 asks:“What do you have that you did not receive?”The answer? Nothing.Everything—our breath, skills, love, wisdom, and financial resources—is a gift from God. We receive, then we give, creating a virtuous cycle of generosity that mirrors God’s own generosity toward us.Three Key Questions to Consider:What have I received from Christ that enables me to give?Is my giving safe or sacrificial?What does my giving reveal about how well I’ve received from God?These questions challenge us to shift our perspective—to see giving not as an obligation but as an overflow of what we have already been given.The Motivation Behind Joanna’s GenerosityWhy did Joanna give so generously? Gratitude.Later, in Luke 24, we find Joanna at Jesus’ empty tomb. She was among the women who encountered the angels, remembered Jesus’ words, and ran to tell the apostles.Her journey shows a progression:She received healing from Jesus.She financially supported His ministry.She proclaimed His resurrection.Her generosity wasn’t just about money—it was about devotion. She gave because she loved Jesus deeply.Lessons in GenerosityAs we reflect on Joanna’s story, here are some key takeaways we can walk away with: 1. Generosity is a JourneyOur relationship with Christ fuels our generosity. The deeper our love for Him, the more naturally we want to give.2. We Must Receive Before We Can GiveWe often think about generosity in terms of money, but we also receive:Life itself—the breath in our lungs.Skills and abilities—talents that allow us to work and earn.Love from God and others—which shapes our generosity.3. Giving is an Act of WorshipJoanna’s giving wasn’t transactional—it was an expression of extravagant love for Jesus. She gave freely because she had freely received.As we reflect on Joanna’s story, let’s ask ourselves:Do I truly recognize that all I have is from God?Am I giving out of safety or sacrificial love?Does my giving reflect how well I’ve received from Christ?These questions can reshape our perspective on generosity, helping us move from obligation to joyful, faith-driven giving.Joanna’s story reminds us that generosity is not about wealth—it’s about the heart. As we receive from Christ, we are called to pass it on—whether through finances, service, or sharing the gospel.May we, like Joanna, be conduits of Christ’s love, reflecting gratitude, devotion, and generosity in all we do.On Today’s Program, Rob Answers Listener Questions:I have a term life insurance policy that I got when we renovated our house a few years ago. The premiums keep increasing, and we're now retired with no debt. Do I still need this policy?I have a 401(k) invested in high-risk options through Empower (formerly Prudential). The account performs well when the market is good but loses a lot when it's down. What are your thoughts on investing through Empower, and are there any other options I should consider for my 401(k)?I inherited a property that was deeded to me and the 'heirs of my body.' Do I need to create a will or a trust to transfer this property when I pass away properly?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.

What do Bigfoot and credit reports have in common? They’re each the subject of many myths.We don’t know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt’s a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won’t happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That’s why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don’t Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that’s not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they’ve seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse’s name. Simply relying on a court order won’t protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf you're struggling with credit card debt, Christian Credit Counselors can help. They’ve helped thousands of people get out of debt 80% faster while honoring their financial obligations.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.On Today’s Program, Rob Answers Listener Questions:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.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.

When we invest our hard-earned money, we naturally seek a financial return—but could there be other rewards as well?Faith-based investing offers more than just financial gains. Today, Finny Kuruvilla joins us to explore the deeper impact of aligning our investments with our values.Dr. Finny Kuruvilla serves as a Co-Chief Investment Officer, Senior Portfolio Manager, and founding member of Eventide Asset Management, an underwriter of Faith & Finance. He holds an M.D. from Harvard Medical School, a Ph.D. in Chemistry and Chemical Biology from Harvard University, a master’s degree in Electrical Engineering and Computer Science from MIT, and a bachelor’s degree from Caltech in Chemistry.Common Objections to Faith-Based InvestingIndeed, Christians might have different views on some of these, but here are three of the most common that Finny hears consistently:Objection 1: “I’m not responsible for the actions of the companies I invest in.”Many investors assume that purchasing stocks or mutual funds does not connect them to a company’s actions. However, investing is ownership. When you purchase shares in a company—whether publicly traded or private—you become a partial owner.If you owned a small business and that business engaged in unethical practices, it would reflect on you. The same principle applies to publicly traded companies. As shareholders, we are tied to the actions and values of the companies we invest in.Objection 2: “What difference can I make? These companies are too big.”Some argue that individual investors cannot influence large corporations. However, history shows that even a small percentage of engaged investors can shape corporate values—just like voting in an election, where small margins can determine the outcome.Through shareholder engagement, faith-driven investors can influence corporate decision-making. Large companies respond to shareholder resolutions, and when values-aligned investors unite, they can steer businesses toward ethical practices.Objection 3: “Faith-based investing means I’ll underperform financially.”A common concern is that limiting investment choices to faith-aligned companies will lead to lower returns. However, research suggests otherwise.Companies with strong ethical foundations—those that treat employees well, operate with integrity, and provide valuable goods and services—tend to outperform over the long term. Businesses that exploit customers or employees may see short-term gains but often struggle in the long run. Faith-based investing is not just morally sound—it’s also financially strategic.The Three Benefits of Faith-Based Investing 1. Integrity: Investing with a Clear ConscienceThe foundation of faith-based investing is the principle of loving our neighbor. Jesus taught us to treat others as we want to be treated (Luke 6:31), and this applies to business and investing as well.Proverbs 1 warns against pursuing “ill-gotten gain,” or wealth that exploits others. Many mainstream funds include companies engaged in tobacco, gambling, and unethical labor practices.Investing with integrity means choosing companies that:Provide valuable goods and servicesTreat employees fairlyOperate with transparency and ethical leadershipBusiness should be about supplying goods and services—not exploiting people. Faith-based investing ensures that we support businesses that contribute to human flourishing.2. Impact: The Power of Faith-Driven InvestorsOne of the most compelling reasons for faith-based investing is the ability to make a real impact. History provides powerful examples of how Christian investors have shaped industries and social policies.A notable case is the role of Christian investors in ending apartheid in South Africa. In the 1970s, a group of faith-driven investors partnered with Reverend Leon Sullivan to pressure corporations like Ford and General Motors to implement anti-apartheid policies within their workplaces. These shareholder resolutions sparked a domino effect, leading other companies to follow suit.This example demonstrates that investors—when united and strategic—can drive significant cultural and ethical change. Today, faith-driven investors have opportunities to:Encourage companies to uphold biblical values in business operationsAvoid investing in industries that profit from addiction, exploitation, or human sufferingPromote corporate social responsibility by engaging in shareholder activism3. Performance: Ethical Investing Can Lead to Strong ReturnsMany assume that avoiding certain industries—such as gambling, pornography, or companies that oppose Christian values—means sacrificing returns. However, data suggests that companies with strong ethical principles actually perform better over time.Most investors define total return as:Share price return + dividend returnHowever, a biblical perspective expands total return to include:Financial return + integrity + impactInvesting in companies that operate with integrity and long-term vision leads to sustainable growth and reduced risk. Ethical companies that treat employees well, focus on quality products, and manage resources wisely often outperform businesses prioritizing short-term profits over long-term stability.How to Get Started with Faith-Based InvestingFor many believers, the idea of faith-aligned investing is a brand-new concept. They strive to honor God in spending, giving, and career choices, but they haven’t considered how their investments align with their faith.Here’s how to begin:Use screening tools—Many financial platforms provide tools to evaluate how investments align with Christian values. Work with faith-driven investment professionals—Christian financial advisors and fund managers can guide you toward biblically responsible portfolios. You can find a Certified Kingdom Advisor (CKA) when you go to FaithFi.com and click "Find a Professional." Explore faith-based funds—Several firms specialize in faith-aligned investments. Eventide is one of many great options available. To find a complete list of faith-based investment funds and companies, visit faithandinvesting.com/faithfi.  Pray for wisdom—Ask God to guide your financial decisions, ensuring that your investments honor Him and advance His kingdom.Faith-based investing is more than a financial strategy—it’s a movement. As more believers align their financial decisions with their faith, they contribute to a marketplace that reflects God’s heart for justice, integrity, and human flourishing.When investors choose integrity, prioritize impact, and trust that God honors ethical investing, they participate in kingdom work that extends beyond their own lifetime.If you’re ready to take the next step, learn more at EventideFunds.com. Faith-based investing isn’t just about returns—it’s about stewardship that glorifies God and blesses others.On Today’s Program, Rob Answers Listener Questions:My wife and I inherited a house from a family member, and it's out of state. We would like to keep it and use it for friends and family, but we don't want to rent it out. What are your thoughts on this situation?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineEventide Asset ManagementWisdom 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.

There’s a saying, “The best time to plant a tree is right now.” Does that logic apply to inheritances?Well, it might in some cases. In other words, is there a benefit to giving your kids an early inheritance? And how exactly would you do that? Harlan Accola joins us today to talk about how a reverse mortgage can accomplish that.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. Understanding a Home Equity Conversion Mortgage (HECM)Reverse mortgages have evolved significantly over the years, offering new opportunities for financial planning in retirement. A Home Equity Conversion Mortgage (HECM), often referred to simply as a reverse mortgage, is an FHA-insured loan that allows homeowners to convert part of their home equity into cash while still maintaining ownership.Unlike some traditional reverse mortgages of the past, a HECM is non-recourse, meaning borrowers will never owe more than the home’s value, and the loan cannot be called due as long as they continue to pay property taxes and insurance and live in the home. The equity remains with the homeowner and their heirs, with the only change being the portion that is used. Another advantage? The proceeds are tax-free, making it a useful tool for financial planning.The Role of Reverse Mortgages in Retirement PlanningWhile many people focus on eliminating debt entirely in retirement, a reverse mortgage can serve as a strategic financial asset rather than simply a last resort. Many retirees overlook the potential of their home equity as part of their financial portfolio. Instead of just passing a home down to heirs, a reverse mortgage allows parents to leverage their equity while living, providing financial assistance to their children and grandchildren when they need it most.Giving an Early Inheritance: Why It Makes SenseOne of the most meaningful ways to use a reverse mortgage is to give an early inheritance—sharing wealth with children or grandchildren while still being alive to witness its impact. As Ron Blue famously said, “Do your giving while you’re living so you’re knowing where it’s going.”Biblical wisdom teaches that wealth should be passed along with wisdom, guiding the next generation not only in how to manage money but also in understanding generosity and stewardship. Many parents already do this when their children are young—teaching them to give, save, and spend wisely. But what about when they are adults? A reverse mortgage provides an opportunity to continue that guidance by offering financial assistance at a time when it may be most needed.How an Early Inheritance Can HelpHere are some practical ways a reverse mortgage can be used to bless children and grandchildren:1. Helping with a Down Payment on a HomeWith rising housing prices and interest rates, many younger adults struggle to afford a home. Parents can use their home equity to provide a down payment for their children, reducing the amount they need to borrow and making homeownership more affordable.2. Funding Private Christian EducationMany families prioritize faith-based education, but tuition costs can be a burden. A reverse mortgage can help cover private school tuition for grandchildren, ensuring they receive a strong biblical foundation in their education.3. Supporting Family Mission Trips or VacationsShared experiences can create lasting memories and strengthen family bonds. Whether it’s funding a mission trip or a multi-generational vacation, using home equity can allow families to invest in relationships and spiritual growth together.Are There Risks to Using a Reverse Mortgage for an Early Inheritance?Like any financial tool, a reverse mortgage should be part of a well-thought-out plan. Here are a few key considerations:Ensure Long-Term Financial Stability—Before giving away wealth, make sure your own financial needs are met, including healthcare and living expenses. Plan for Healthcare Costs—Unexpected medical expenses can arise, so long-term care planning is essential before using home equity for other purposes. Use Funds Wisely—An early inheritance should be given with intentionality, not just as a financial gift, but as an opportunity to teach stewardship and align with biblical principles.Making the Right DecisionIf you’re considering a reverse mortgage as part of your financial plan, here are a few steps to ensure you’re making a wise choice:Work with a Trusted Christian Advisor—Seek guidance from a financial professional who understands both biblical principles and financial wisdom. That's why we recommend working with a Certified Kingdom Advisor (CKA), which you can find at FaithFi.com. Just click "Find a Professional." Pray About It—Ask God for wisdom to determine how this decision fits into His plans for your life and your family’s future. Evaluate Your Goals—Consider how a reverse mortgage aligns with your long-term financial and spiritual priorities.By planning wisely and giving generously, you can leave a legacy of faith and financial stewardship that impacts generations to come.For those interested in exploring whether a reverse mortgage is a good option for their retirement plan, the team at Movement Mortgage can provide guidance. Learn more at movement.com/faith.On Today’s Program, Rob Answers Listener Questions:Is it ideal for a husband and wife to share the same checking account, and how do we manage such to avoid conflict?I have a debt of about $4,300. I’ve been considering if I should get a balance transfer on a new card or take out a loan from my 401(k).My sister is 76 with disabilities, and I have her power of attorney. Medical facilities have had data breaches, so I was trying to freeze her credit. She's never had credit - do I need to freeze it, or can I leave it?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageChristian Credit CounselorsMoney and Marriage God's Way by Howard DaytonAnnualCreditReport.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.