How God’s Generosity Transforms Ours

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.

“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.