The Cycle of Grateful Living with John Cortines

“Everyone also to whom God has given wealth and possessions and the power to enjoy them…this is the gift of God.” — Ecclesiastes 5:19 What if true joy doesn’t come from gaining more—but from gratefully receiving what God has already provided? That’s the invitation we find in Ecclesiastes, and it’s the focus of a powerful conversation with John Cortines, Director of Partnerships and Growth at the McClellan Foundation and author of FaithFi’s study on the book of Ecclesiastes called, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money. His insight centers on what he calls the cycle of grateful living—a biblical framework that reshapes how we view money, work, and contentment. Rediscovering Joy in God’s Gifts Ecclesiastes 5:18–20 sits at the heart of Scripture’s teaching on money and meaning. These verses remind us of something we often overlook: Not only are wealth and possessions gifts from God, but so is the ability to enjoy them. That means joy isn’t something we manufacture through achievement or accumulation. It’s something we receive. Whether we have little or much, Scripture calls us to find satisfaction in the life God has already given us—our work, our relationships, and even our daily routines. Yet many of us miss this. We’re quick to recognize the dangers of money, but slow to embrace the goodness of God’s provision. The “E.A.T.” Cycle for Grateful Living John Cortines summarizes this biblical vision with a simple acronym: E.A.T. 1. Enjoy God’s Provision Everything we have—our resources, our health, our relationships—is a gift. Even the capacity to enjoy these things is given by God. Gratitude begins when we recognize that nothing we have is ultimately self-made. It all flows from His hand. 2. Accept Life’s Brevity Ecclesiastes repeatedly reminds us that life is short. This isn’t meant to discourage us—but to awaken us. When we accept the limits of our time and season, we begin to live with greater purpose. We stop postponing joy and start embracing the present as a gift. 3. Toil with Joy Work is not something to escape—it’s something to embrace. While our culture often dreams of financial independence as freedom from work, Scripture presents a different vision. We were created with purpose, and meaningful work is part of that design. Even in retirement, we’re called to engage in what is good, fruitful, and God-honoring. What Gets in the Way of Joy? If this cycle is so clear, why do so few people experience it? Cortines points out three common obstacles: Taking God’s provision for granted instead of cultivating gratitude Ignoring life’s brevity, living as if time is unlimited Resenting our work, constantly longing for escape These patterns lead to anxiety, discontentment, and a constant pursuit of “more.” Ironically, many people today live with more wealth and comfort than any generation in history—yet struggle deeply with dissatisfaction. As Cortines notes, even great wealth cannot produce lasting joy on its own. A Better Vision Than “Someday” One of the most subtle traps in our culture is the belief that joy lies somewhere in the future: When I earn more… When I retire… When life slows down… But Scripture calls us to something radically different. Joy is not found in a future we’re trying to build—it’s found in the present moment with Christ. This echoes Jesus’ teaching in Luke 12, where He points to the birds and the flowers. They do not worry, yet God provides for them. Their lives are both sustained and limited—and so are ours.  This is both comforting and sobering: God will provide for us. Our time here is brief. So instead of striving endlessly, we’re invited to live faithfully and gratefully today. What Does a Grateful Life Look Like? Ecclesiastes 5:20 gives us a beautiful picture: “God keeps him occupied with joy in his heart.” This kind of life is marked by: Presence instead of distraction Peace instead of anxiety Contentment instead of comparison It’s a life where gratitude crowds out worry—where the heart is so full of God’s goodness that it no longer fixates on what’s missing. Living Within Our Limits—and God’s Greatness One of the most profound insights from Ecclesiastes is this: we are small, and that’s okay. In a world that tells us to dream bigger and achieve more, Scripture gently reminds us that our lives are finite—but God is not. And that’s where true freedom is found. We don’t need to be everything or accomplish everything. Christ has already accomplished what matters most. Our role is simply to be faithful in the life we’ve been given. Finding Joy in What God Has Already Given The cycle of grateful living is simple—but deeply transformative: Enjoy what God has given Accept the limits of your life Rejoice in the work before you When we live this way, we step out of the endless pursuit of “more” and into the quiet, steady joy of God’s presence. And in that place, we discover something surprising: We already have enough—because we already have Him. On Today’s Program, Rob Answers Listener Questions: I’m 78 and want to avoid long-term care. I can invest $3,000 a month—what’s a safe way to do that? I’m using Social Security and savings to support ministry requests, but it’s depleting quickly. How can I steward this wisely and manage where to keep and give my money? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) God and Money: How We Discovered True Riches at Harvard Business School by John Cortines and Gregory Baumer True Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory Baumer Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Every day, we make decisions about money—but not every decision is made on purpose. When it comes to generosity, many of us wrestle with familiar questions: Where should I give? How much is enough? Does my giving really make a difference? But Scripture invites us to see generosity differently—not as a financial habit, but as an act of discipleship. Intentional giving connects our everyday resources to God’s redemptive work in the world. From Overwhelmed to On Mission We’re surrounded by needs. Local churches, global missions, ministries serving the poor, organizations strengthening families and sharing the gospel—the opportunities are endless. And because of that, it’s easy to feel overwhelmed or default to reactive giving when something tugs at our hearts. But God’s Word points us to something deeper. Ephesians 2:10 reminds us: “For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” Generosity isn’t random. It’s part of the purpose God has written into your life. You’re not just managing money—you’re participating in His mission. Generosity That Lasts Intentional giving begins when we realize that our work and income aren’t just about survival or success. They’re about joining God in meeting needs and restoring lives. The Apostle Paul writes in 1 Timothy 6:18–19 that we are “to do good, to be rich in good works, to be generous and ready to share… thus storing up treasure… so that they may take hold of that which is truly life.” Every intentional gift becomes an investment in eternity. It’s a present-tense glimpse of God’s Kingdom breaking into this world. Where Do We Start? Practicing intentional giving doesn’t have to be complicated—but it does require clarity and purpose. 1. Start with your local church. God designed the church to equip believers, reach communities, and advance the gospel. Supporting it isn’t just tradition—it’s participation in His ongoing work. 2. Care for the vulnerable. Proverbs 19:17 says, “Whoever is generous to the poor lends to the Lord.” Whether through local outreach, relief efforts, or helping a neighbor, these acts reflect God’s compassion in tangible ways. 3. Invest in the spread of the gospel. Romans 10:15 reminds us, “How beautiful are the feet of those who bring good news.” Every gift that helps someone hear about Christ carries eternal significance. When we give this way, our finances begin to tell a story—about what we love, what we value, and whom we trust. Grace, Not Guilt Here’s what makes intentional giving so powerful: it flows from grace, not guilt. 2 Corinthians 9:7 tells us, “Each one must give as he has decided in his heart… for God loves a cheerful giver.” We don’t give to earn God’s favor—we give because we’ve already received it. Jesus Himself modeled this. Though He was rich, He became poor so that we might share in His riches (2 Corinthians 8:9). That’s the foundation of all generosity: the gospel. When grace takes root, open hands follow. A Different Way to See Money Intentional giving asks a different set of questions: Where is God inviting me to participate? Who has He placed in my path? What opportunities has He prepared for me? You’ve been uniquely positioned—with your experiences, relationships, and resources—to make a difference in ways no one else can. And when generosity becomes intentional, it reshapes how you see money. It’s no longer just income or savings—it becomes a tool for Kingdom impact. Because giving doesn’t just change someone else’s life—it changes yours. It loosens your grip on money, deepens your trust in God, and aligns your heart with His purposes. Because when generosity becomes intentional, it becomes transformational. Take the Next Step If you want to grow in this mindset—seeing every dollar as an opportunity to participate in God’s work—I’d encourage you to go deeper. In Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, we explore how generosity fits into God’s bigger story and how your finances can reflect His grace and purpose. You can purchase your copy—or place a bulk order for your church or small group—at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: I’m retiring soon and selling my home, with about $250,000 in proceeds. My advisor suggests a 10-year annuity, but I’m concerned about locking up the money. Is this a wise move? Do I have to pay federal taxes on interest earned from a high-yield savings account? I know I can still contribute to last year’s retirement account, but can I do a Roth conversion now and have it count for 2025? As a widow, can I still use my late husband’s capital gains exclusion when selling our home? And would buying another home or leaving it to my children affect the taxes? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it’s worth taking a closer look at what faith-based investing really is—and what it isn’t. On today’s show, Brian Mumbert, President of Timothy Plan—a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn’t replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn’t Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it’s true that buying and selling shares doesn’t directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that’s a meaningful form of stewardship. Misconception #4: “Screening Limits Diversification” A final concern is that excluding certain companies will significantly narrow investment options. In practice, even strict faith-based screens still leave a vast majority of the investable universe available—often around 90%. That means investors can still achieve broad diversification across sectors and asset classes while remaining aligned with their values. A Better Way to Think About Investing Faith-based investing isn’t about making a symbolic statement or checking a box. It’s about recognizing that every financial decision reflects what we value—and choosing to steward those decisions intentionally. It invites us to ask a deeper question: What does faithfulness look like in the way I invest what God has entrusted to me? You don’t have to choose between conviction and competence. Faith-based investing offers a way to pursue both—aligning your portfolio with your beliefs while still practicing wise, disciplined stewardship. Because in the end, investing isn’t just about returns—it’s about responsibility. Learn More If you’d like to explore faith-based investing options, Timothy Plan has been a trusted leader in this space for more than 30 years—offering mutual funds and ETFs designed to help investors align their portfolios with their biblical values. To learn more, visit TimothyPlan.com. On Today’s Program, Rob Answers Listener Questions: I’m confused about how to report an annuity on our taxes. We started it with $6,000 in 2011, and it’s now worth about $205,000. How do I determine the correct cost basis, especially with fees over time? We have $20,000 to invest and want something safe and fairly liquid. Should we use CDs or T-bills, and how do T-bills work through TreasuryDirect or a brokerage? My son’s business is struggling, and he’s relying on payday loans. How can he get out of this cycle, and who should he talk to for guidance or debt consolidation? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Timothy Plan Fidelity | Charles Schwab Christian Credit Counselors Christian Community Credit Union | AdelFi TreasuryDirect.gov Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 Good Friday invites us into a sacred tension—one marked by sorrow, gratitude, and deep hope. It is the day we remember the crucifixion of Jesus Christ, when the Son of God bore the weight of our sin on the cross. And yet, for centuries, Christians have called this day good. Not because the events were easy or lighthearted—but because of what Christ accomplished through them. The Sorrow and the Wonder of the Cross For many believers, Good Friday carries a heaviness. We reflect on the suffering Jesus endured and the sobering reality that our sin made the cross necessary. Scripture reminds us that sin is not merely a mistake—it is a separation from God, the very source of life and love. And yet, alongside that sorrow is overwhelming gratitude. We remember the love of the Father who gave His Son, and the love of the Son who willingly laid down His life. Jesus stood in our place, absorbing the penalty we deserved so that we could be reconciled to God. This is the wonder of the cross: justice satisfied and mercy extended. A Story That Doesn’t End in Darkness Even on Good Friday, there is anticipation. We know what Sunday brings. The resurrection is coming—the victory over sin and death, and the promise of eternal life for all who trust in Christ. Good Friday is not the end of the story. It is the turning point. What looked like defeat became the doorway to redemption. That’s why we call it good. Here at Faith and Finance, we often talk about stewardship, generosity, and wise financial decisions. But Scripture frequently uses financial language to help us understand spiritual realities. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible—not by accident, but because they reveal the depth of what Christ has done for us. Romans 6:23 — “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” Mark 10:45 — “For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.” 1 Corinthians 6:20 — “You were bought with a price. So glorify God in your body.” These aren’t just metaphors—they are windows into the gospel. Our sin created a debt we could never repay. Left to ourselves, we had no way to restore what was broken. But Jesus stepped in. “It Is Finished” As Jesus breathed His last, He declared, “It is finished” (John 19:30). The Greek word is tetelestai—a word rich with meaning. It was used by servants to report that a task was completed. It appeared on legal documents to indicate that a requirement had been fulfilled. Most strikingly, it has been found on ancient receipts to signify that a debt had been paid in full. No balance remaining. Nothing left owed. So when Jesus spoke those words from the cross, He wasn’t simply marking the end of His life—He was announcing the completion of His mission. The price of our redemption had been paid. The debt of sin was canceled. The separation between God and humanity was bridged—not by our effort, but by His sacrifice. That changes everything. Because of Christ, we are no longer living in a state of spiritual deficit. We live in the overflow of grace. Jesus didn’t make a partial payment—He paid it in full. There is nothing left for us to earn. No amount of striving can add to what He has already accomplished. Instead, we are invited to receive this gift by faith and walk in the freedom it brings. We are free from guilt. Free from striving. Free to live for the One who gave everything for us. A New Way to Live On this Good Friday, we’re invited to hear those final words again—tetelestai—and let them settle deep into our hearts. It is finished. And because it is finished, our obedience is no longer a transaction to earn God’s favor. It becomes a joyful response to His grace. We follow Christ not to gain life, but because in Him, we’ve already found it. That’s the beauty of the cross. And that’s why Good Friday is truly good. On Today’s Program, Rob Answers Listener Questions: My wife and I bought a small home in 2024 and now have two young kids, with hopes for more. Should we consider moving or refinancing for more space? Also, should I keep $16,000 in savings or invest some of it? My son and daughter-in-law adopted four Ukrainian teens who may attend college. Where can we find scholarships for them, especially lesser-known ones? I’m 79, still working as a bi-vocational pastor, and owe about $17,000 on my home. Would a reverse mortgage make sense for me? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Fastweb | Peterson’s | Scholarships.com Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Reverse mortgages often trigger strong reactions—especially among believers who want to honor God with their finances. But are those reactions grounded in biblical wisdom…or outdated information? When it comes to debt and home equity, emotions can run high. Yet Scripture calls us to something deeper than instinct—it calls us to understanding. As Proverbs 19:20 reminds us, “Listen to advice and accept instruction, that you may gain wisdom in the future.” To help bring clarity to this often misunderstood topic, Harlan Accola—who leads the reverse mortgage team at Movement Mortgage—joins the show today to separate fact from fiction. Why Reverse Mortgages Carry So Much Stigma For many people, the phrase reverse mortgage immediately raises red flags. And to be fair, some of that concern is rooted in history. As Harlan Accola explains, earlier versions of these loans—and in some cases, unethical practices—damaged trust. Like many industries, there were bad actors who misused the product and took advantage of seniors. But today’s reverse mortgage is very different. Modern reverse mortgages are federally regulated through the Federal Housing Administration (FHA) and include strong consumer protections designed specifically for older homeowners. Still, misinformation persists—often passed along by well-meaning friends, family members, or even within church communities. That’s why biblical wisdom matters here. We’re called not just to react, but to understand. Not All Debt Is the Same One of the biggest misconceptions about reverse mortgages is that they’re simply another form of dangerous debt. But as Harlan points out, not all debt functions the same way. Traditional consumer debt—like credit cards or auto loans—requires monthly payments. Miss those payments, and the consequences can quickly escalate, creating stress and financial strain. A reverse mortgage, however, works very differently: There are no required monthly principal or interest payments The homeowner must continue paying property taxes and insurance The loan is non-recourse, meaning the borrower will never owe more than the value of the home That final point is key. If the home’s value declines, the borrower (or their heirs) is not personally responsible for the difference. As Harlan emphasizes, understanding the mechanics of a financial product is essential before comparing it to others—or dismissing it altogether. A Practical Scenario: When Cash Flow Becomes a Struggle Harlan highlights a situation that’s becoming increasingly common. Many homeowners in their 60s and 70s have built substantial equity—but still carry monthly mortgage payments. In fact, a significant number of Americans over 62—and even over 75—are still making those payments. When unexpected expenses arise—a roof repair, a broken water heater—many turn to high-interest credit cards to cover the gap. This is where a reverse mortgage may offer relief. By eliminating a monthly mortgage payment, it can: Improve monthly cash flow Reduce reliance on high-interest debt Lower financial stress Harlan also notes that this added margin can even open the door to greater generosity—freeing individuals to steward their resources more intentionally. A Stewardship Lens: Discernment Over Reaction For Christians, financial decisions are never just about numbers—they’re about faithfulness. That means we shouldn’t reject or embrace any financial tool without first understanding it. Wisdom requires discernment, not assumptions. Reverse mortgages aren’t right for everyone. But as Harlan Accola reminds us, decisions should be based on accurate information—not outdated fears. As Proverbs 19:20 encourages us, listening, learning, and seeking wise counsel is part of faithful stewardship. Learn More If you’d like to better understand reverse mortgages or explore whether one might fit your situation, you can learn more at FaithFi.com/Movement. Taking time to understand your options isn’t just practical—it’s a step toward stewarding God’s resources with wisdom and care. On Today’s Program, Rob Answers Listener Questions: I’m building a home on land I already own and have about $150,000 saved—roughly half the cost. Should I use a construction loan or a traditional mortgage, and how does that process work? I’m 53 and hope to retire in about four years. I’m in good financial shape, but don’t have a financial advisor or a will. How do I find a trusted advisor, and what should I look for in how they’re paid and whether they’re a fiduciary? Is it wise to use about 25% of my retirement savings to remodel my home if it could increase its value? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15 In a world where scams are increasingly sophisticated, Scripture reminds us that precaution is not paranoia—it’s stewardship. Protecting the resources God has entrusted to us isn’t just practical; it’s spiritual. Today’s threats may come through phone calls, emails, text messages, or even impersonations of people we trust. But as followers of Christ, we are not called to live in fear—we are called to walk in wisdom. So what does wise, faithful stewardship look like in a digital age? 1. Slow Down and Verify Scammers thrive on urgency. They want you to act before you think. If someone pressures you—claiming to be your bank, a government agency, or even a loved one—pause. Hang up. Verify the source using official contact information. Remember: Pressure is a red flag. Wisdom takes a breath. 2. Be Wise About How You Send Money One of the clearest warning signs of fraud is how payment is requested. Never send money via wire transfer, gift cards, or peer-to-peer apps (like Zelle or Venmo) to someone you don’t personally know. Legitimate organizations will not demand payment this way. If something feels off, trust that instinct and walk away. 3. Use Tools That Protect You Not all payment methods are created equal. Use credit cards when shopping online—they typically offer stronger fraud protection than debit cards. Enable two-factor authentication (2FA) on financial accounts—it’s like adding a deadbolt to your digital front door. Use an authenticator app when possible instead of text-based codes. These simple steps dramatically reduce your vulnerability. 4. Strengthen Your Passwords Weak or reused passwords are one of the easiest entry points for thieves. Use a password manager like Bitwarden or NordPass to create and store strong, unique passwords. Avoid reusing the same password across multiple accounts. Think of your passwords as keys—each door should have its own. 5. Monitor and Lock Down Your Accounts Staying alert can help you catch problems early. Set up bank alerts for large transactions or unusual activity. Freeze your credit with all three major bureaus—it’s free and highly effective against identity theft. This is like installing an alarm system for your finances. 6. Be Cautious Online and in Public Convenience can sometimes come at a cost. Avoid accessing financial accounts on public Wi-Fi unless you’re using a VPN. Only log into accounts on your personal devices. Limit what you share on social media—details like birthdays, family names, or locations can be used against you. Not everything needs to be public. 7. Protect Your Physical Information Digital security matters—but so does what’s on paper. Shred documents containing sensitive information like bank statements, tax forms, or medical records. Be cautious of phishing emails or messages—even if they appear to come from someone you know. When in doubt, verify before you click. 8. Make It a Family Conversation Scammers often target the most vulnerable—especially older adults and teenagers. Take time to: Talk with your family about common scams Share what you’re learning Stay informed together Stewardship is not just personal—it’s communal. 9. Use Caution After Data Breaches If a company offers identity theft protection after a breach: Take advantage of it—but verify first Contact the company directly through their official website or number Don’t trust links or instructions in unsolicited messages. Faithful Stewardship Without Fear There’s no question that in today’s world, financial faithfulness includes digital awareness. Guarding your data, protecting your family, and staying alert to fraud are essential parts of stewardship. But this isn’t about fear—it’s about faith expressed through wisdom. With a few intentional steps, you can protect what God has entrusted to you and live with peace—not panic. If you’re looking for a simple way to manage your money and grow in faithful stewardship, the FaithFi app can help. It’s designed to help you handle God’s resources with clarity and purpose. You can download it today at FaithFi.com/App. On Today’s Program, Rob Answers Listener Questions: I’ve been helping a friend financially while he’s unemployed, but it’s starting to strain me. He has no credit and doesn’t know where to start. How can he build a financial foundation—and how can I help without hurting myself? I need to update my will and mainly want to pass my home to my children. I’ve heard a trust might be better. Can I set that up without an attorney? I’m working to rebuild my credit after medical debt, but I want to avoid taking on new debt. What are my options—and would borrowing against my paid-off home help or hurt? I was told I could pay off my $125,000 mortgage faster by moving it to a HELOC and running my income through it. Is that strategy legitimate? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Bankrate | NerdWallet Experian Boost Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is it possible to have everything—and still be missing the one thing that matters most? That’s not just a philosophical question. Scripture gives us real-life examples of people who appeared successful by every measure, yet walked away empty. On today’s episode, Bob Shank—founder of The Master’s Program—joins us to help unpack how Jesus challenges our definition of wealth and invites us into something far greater. Why the Desire for “More” Is So Universal Across cultures, generations, and economic backgrounds, one desire seems to unite us all: the desire for more. According to Bob Shank, that longing isn’t inherently sinful—it’s actually part of how God designed us. From the beginning, God created humanity with a mindset of multiplication (Genesis 1:28). We were wired to grow, build, and increase. But sin distorts that desire, redirecting it toward the wrong things. The problem isn’t the desire for more—it’s what we define as “more.” God calls us to pursue more of what truly satisfies: His presence, His purposes, and His Kingdom. Why Wealth Never Fully Satisfies Even when people pursue wealth responsibly and achieve their financial goals, something often still feels incomplete. Why? Because, as Bob explains, redemption reshapes our desires. When the Holy Spirit renews our hearts, we begin to long for something this world cannot provide. What once satisfied us begins to feel insufficient. That lingering dissatisfaction isn’t a flaw—it’s a grace. It’s God’s way of reminding us that we were made for more than material success. As Ecclesiastes 3:11 says, “He has put eternity into man’s heart.” The Rich Young Ruler: A Case Study in Misplaced Wealth Few stories capture this tension more clearly than the account of the rich young ruler (Matthew 19:16–22, Mark 10:17–22, Luke 18:18–23). Here was a man who had everything—wealth, influence, and moral discipline. Yet he approached Jesus with a revealing question: “What must I do to inherit eternal life?” On the surface, it sounds like a spiritual question. But beneath it was something deeper—a longing that success had failed to satisfy. Jesus’ response is both familiar and often misunderstood: “Sell your possessions, give to the poor… and you will have treasure in heaven. Then come, follow me.” (Matthew 19:21) Most people focus on what the man was asked to give up. But just as important is what Jesus was offering: treasure in heaven. Jesus wasn’t condemning wealth—He was redirecting it. What Is “Treasure in Heaven”? Bob Shank highlights a key insight: the word “treasure” in this passage points to abundance—something stored, secured, and lasting. Jesus wasn’t asking the man to lose his wealth, but to relocate it. Instead of storing up treasure in an uncertain, temporary world, Jesus invited him to invest in something eternal—something protected and secure. As Jesus teaches elsewhere: “Do not lay up for yourselves treasures on earth… but lay up for yourselves treasures in heaven.” (Matthew 6:19–20) The issue wasn’t possession—it was placement. The Deeper Question: Who Owns It All? At the heart of this encounter is a foundational question: Who really owns your wealth? Many of us live as though what we have is ours now, and someday it will belong to God. But Scripture paints a very different picture: “The earth is the Lord’s, and everything in it.” (Psalm 24:1) Everything we have already belongs to Him. We are not owners—we are stewards. And what we do with God’s resources in this life has eternal significance. A Warning from the Rich Fool This truth is reinforced in another parable: the rich fool (Luke 12:13–21). In that story, a man accumulates more than he needs and decides to build bigger barns to store it all. His goal? Independence. Security. A future free from reliance on God. But God calls him a fool. Why? Because he stored up treasure for himself but was “not rich toward God” (Luke 12:21). The problem wasn’t planning or saving—it was hoarding beyond purpose. God’s design is clear: Provide for your needs Prepare for what’s next Distribute the excess for His purposes Undistributed resources, as Bob puts it, become spiritually irrelevant. Redefining What It Means to Be Rich So what does it look like to be truly rich? It means shifting our perspective from short-term gain to eternal investment. In the world of finance, we understand that longer-term investments often yield greater returns. Jesus applies that same principle spiritually: The greatest return comes from investing in what lasts forever—God’s Kingdom. This doesn’t mean neglecting wise financial planning. It means placing our ultimate hope, security, and purpose in something beyond it. The Invitation: From Accumulation to Alignment The rich young ruler walked away because he couldn’t let go of what he thought defined his security. But Jesus’ invitation still stands for us today: Move your treasure Reframe your definition of wealth Align your resources with God’s purposes Because in the end, the richest life isn’t the one that has the most—it’s the one that uses everything for what matters most. Want to Go Deeper? If this conversation stirred something in you, we’d love to invite you to explore it further. Bob Shank expands on these ideas in his powerful article featured in the latest issue of Faithful Steward magazine. When you become a FaithFi Partner, you’ll receive every issue—along with biblical insights and practical guidance to help you steward God’s resources with wisdom and purpose.  Just visit FaithFi.com/Partner to learn more and join us. On Today’s Program, Rob Answers Listener Questions: I’m 59 with no retirement savings, but I’m starting to set aside $100 a week. My employer doesn’t offer a 401(k). What’s the best retirement plan for me? My husband and I are in our 40s with an outdated $300,000 term policy from our 20s. We now have a new home and two kids. How much coverage do we need, and where should we start? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Rich in What Really Matters (Article by Bob Shank in Faithful Steward, Issue 5) The Master’s Program Policygenius Schwab Intelligent Portfolios® Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most of us don’t wake up intending to serve money. And yet, over time, financial pressure, goals, and anxieties can quietly begin shaping our decisions, priorities, and even our sense of security. Jesus addresses this directly in Luke 16:13: “You cannot serve God and money.” But that doesn’t mean money has no place in the life of a believer. It simply means money must never be our master. The invitation of Scripture is far better: not to serve money, but to serve God with money. Money Is a Gift to Receive with Gratitude One of the most important starting points is recognizing that money is not inherently bad—it’s a gift. Ecclesiastes 5:19 reminds us, “Everyone also to whom God has given wealth and possessions and power to enjoy them—this is the gift of God.” God is not opposed to provision or even enjoyment. In fact, when Jesus fed the five thousand in Matthew 14, He didn’t just meet the need—there were twelve baskets left over. The message isn’t excess for its own sake, but that God’s provision is abundant and generous. When we begin here, with gratitude, money shifts from something we grasp for to something we receive. Money Reveals What We Trust At the same time, money carries real spiritual weight. 1 Timothy 6:10 says, “The love of money is a root of all kinds of evils.” Notice—it’s not money itself, but our love for it that leads us astray. Money has a way of exposing our hearts. Every financial decision—spending, saving, giving—asks a deeper question: What am I trusting right now? Am I looking to money for security? Am I using it to shape my identity? Or am I trusting God as my provider? Money is morally neutral, but how we use it is deeply spiritual. Money Is a Tool for Purpose, Not a Goal Scripture consistently points us beyond accumulation. Ephesians 4:28 tells us to work “so that [we] may have something to share with anyone in need.” That’s a profound shift. We don’t earn simply to build our own lives—we earn to participate in God’s provision for others. This reframes everything: Work becomes more than survival—it becomes participation in God’s generosity. Saving becomes preparation, not fear. Investing becomes stewardship when it supports future responsibility and generosity. Money finds its greatest purpose when it flows outward, not when it’s hoarded inward. Putting Money in Its Proper Place Jesus’ words in Luke 16:13 remind us that money must remain a servant, never a master. John Wesley captured this beautifully when he wrote: “Money is an excellent gift of God… it is food for the hungry, drink for the thirsty, raiment for the naked.” That’s a picture of redeemed money—money used for purposes that reflect the heart of God. Holding Money with Open Hands There’s one more truth that frees us: money is temporary. 1 Timothy 6:7 says, “We brought nothing into the world, and we cannot take anything out of the world.” Every dollar we manage is something we steward for a season. But how we use it can have a lasting impact. When we remember that: We enjoy God’s provision without clinging to it. We plan wisely without placing our hope in wealth. We give generously because we trust God to provide again. So before your next financial decision—whether it’s spending, saving, investing, or giving—try asking: “Lord, how can this money serve You and others?” Because money is never the destination. It’s a tool placed in our hands to accomplish something far greater than ourselves. Go Deeper This is a key theme explored in Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship—a devotional designed to help you see money not as something to chase, but as a tool to align your heart with God’s purposes. You can get your copy—or order for your church or small group—at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: My credit score dropped from the low 800s to the mid-600s after I moved and got insurance quotes. I have no debt, pay everything on time, and nothing negative shows on my report. What could cause a drop like this, and how can I fix it? My husband passed away six years ago, and we recently discovered a coin collection that may be valuable due to its silver content. It wasn’t included in the estate at the time. If we sell it now, how should we handle the taxes and inheritance implications? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) AnnualCreditReport.com  Equifax | TransUnion | Experian Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold.” - Proverbs 3:13–14 Making wise financial decisions early in life can set the stage for long-term stability, freedom, and generosity. But for students and young professionals just starting out, the question remains: Where do you begin? On today’s episode, Bob Doll—CEO and Chief Investment Officer at Crossmark Global Investments—joined us to share practical, faith-rooted guidance to help young adults build a strong financial foundation from the very start. Start With a Plan Every wise financial journey begins with a plan. Bob emphasizes that a budget is the starting point—simply knowing what’s coming in and what’s going out. Without a plan, it’s easy to drift financially. With one, you gain clarity and direction. From there, establish an emergency fund—typically three to six months of expenses—to prepare for life’s unexpected turns. And just as importantly, avoid high-interest debt, especially credit card debt. Left unchecked, debt can quickly undo financial progress. Learn From Others—and Seek Guidance One of the fastest ways to grow in financial wisdom is to observe others. Look at those who are thriving financially—and those who are struggling. What patterns do you see? What choices led them there? Bob encourages young adults to seek out mentors and wise counsel. A trusted advisor or a financially mature believer can help you avoid common pitfalls such as overspending or neglecting savings. And don’t underestimate the value of learning. Reading solid, biblically grounded resources can shape your thinking and help you develop lifelong habits of stewardship. Embrace a Biblical Perspective on Money At the heart of financial wisdom is a simple but transformative truth: It’s not our money. Everything we have—our income, possessions, time, and abilities—belongs to God. We are stewards, entrusted to manage His resources faithfully. This perspective reshapes everything. It moves us from ownership to stewardship, from control to surrender, and from self-focus to God’s purposes. Don’t Miss the Opportunity to Be Generous One of the most powerful lessons Bob shared came from personal experience. Early in his career, he and his wife avoided overspending—but they realized later they had accumulated more than they needed, missing opportunities to give generously. His advice? Start giving early. As Acts 20:35 reminds us, “It is more blessed to give than to receive.” Generosity isn’t something to postpone until you have “more.” It’s a discipline that shapes your heart right now. God often uses generosity to transform us—deepening our trust, increasing our joy, and aligning our hearts with His. Harness the Power of Compounding When it comes to investing, time is your greatest asset. Even small, consistent contributions can grow significantly over time thanks to compound interest. Starting early allows your money more time to grow, making a dramatic difference over decades. Bob encourages young adults to: Begin investing as soon as possible Take advantage of employer-sponsored retirement plans—especially matching contributions Consider tools like a Roth IRA for long-term, tax-advantaged growth Consistency matters more than timing. Regular investing—even in small amounts—can lead to substantial results over time. Align Your Investments With Your Values Today, investors have more opportunities than ever to align their portfolios with their faith. That means considering not just financial returns, but also how companies operate and what they produce. As Bob points out, our investments should reflect the same values we aim to live out in every other area of life. Faith-based investing allows you to steward your resources in a way that honors God—not just in giving, but in growing what He’s entrusted to you. Build Rhythms That Last Financial success isn’t built on one-time decisions—it’s shaped by consistent habits. Set goals. Track your progress. Celebrate milestones along the way. And remember, balance matters. God invites us to enjoy His provision while also preparing for the future. When progress feels slow, stay the course. Faithful stewardship over time leads to lasting fruit. Prioritize Unity in Marriage For those entering marriage or building a young family, communication around money is essential. Financial disagreements are one of the leading sources of conflict in relationships. That’s why it’s crucial to: Talk openly and regularly about finances Set shared goals Pray together for wisdom and unity When couples align their hearts and decisions before the Lord, they create a foundation of trust and purpose that strengthens both their finances and their relationship. Starting Strong Starting strong financially isn’t about perfection—it’s about direction. As you build your career and manage your resources, remember this: wisdom is more valuable than wealth. When you seek God’s perspective on money and apply it faithfully, you’re not just building financial stability—you’re cultivating a life that reflects His purposes. And that’s a foundation that will last far beyond your bank account. On Today’s Program, Rob Answers Listener Questions: I’m 35, married, have no kids, and have no significant assets—do I still need a will, and how would I set one up? My two sons have special needs and some retirement savings. Is there a way to withdraw that money without early withdrawal penalties? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Crossmark Global Investments The Treasure Principle, Revised and Updated: Unlocking the Secret of Joyful Giving by Randy Alcorn Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn ABLE National Resource Center Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In rural Malawi, many children wake each day unsure if they’ll eat, relying on water that can make them sick. For families living in deep poverty, this isn’t an occasional hardship—it’s daily life. Yet even in these conditions, there is hope. Today, we were joined by Aaron Griggs of Cross International, a Christian humanitarian and development ministry, to talk about how lives are being changed in places like Malawi through practical help and the hope of the gospel. Life in Rural Malawi: A Daily Struggle for Survival In remote villages like Tanganyika, life revolves around meeting the most basic needs. Families often don’t know where their next meal will come from, and many children go to bed hungry. Access to clean water is one of the greatest challenges. Most families rely on open water sources contaminated with bacteria, leading to frequent illness—especially among children who are already malnourished. These illnesses not only weaken their bodies but also rob them of the nutrients they desperately need. Housing is fragile and unsafe, medical care is scarce, and education is often out of reach due to cost. Add to that years of severe drought that have devastated crops, and the cycle of poverty deepens. And yet, as Aaron shared, these families are resilient—working hard, doing their best, and holding onto hope for a better future. The Hidden Cost of Unsafe Water Contaminated water doesn’t just affect health—it disrupts every part of life. Children, especially girls, often spend hours each day walking long distances to collect water. That’s time they could be spending in school. At the same time, women are unable to pursue income-generating work, making it even harder for families to afford school fees. Even when children attend school, frequent illness makes it difficult for them to focus and learn. Over time, they fall further behind, limiting their future opportunities. A Long-Term Approach to Breaking the Cycle Cross International doesn’t just meet immediate needs—they focus on lasting transformation. Their approach is built on a partnership with local ministries. Rather than imposing outside solutions, they work alongside community leaders to create sustainable, long-term change. This model has proven effective. Many of their ministry partners have been serving their communities for over a decade, allowing them to witness real transformation—physically, economically, and spiritually. Bri’s Story: A Life Transformed One powerful example is a young girl named Bri. After her father passed away, Bri’s family lost everything. Her mother, Ines, was left to raise three children alone, struggling to find work and provide even basic necessities. They lived in a fragile, unsafe home, and Bri often went to bed hungry and sick from drinking unclean water. School wasn’t even an option. But everything changed when Bri joined Cross International’s after-school program. Her school fees were covered, allowing her to return to the classroom. She now receives a daily nutritious meal, academic support, and the chance to simply be a child—playing, learning, and building friendships. Most importantly, she is learning about Jesus. Bri’s favorite Bible story is Zacchaeus (Luke 19:1–10). She loves how he was determined to see Jesus—and how Jesus responded by coming to his home. Now, Bri understands that Jesus sees her too, loves her, and is always with her. More Than Aid: Restoring Dignity and Hope The impact extends beyond children. Bri’s mother, Ines, has received support to start a small business, creating a sustainable way to provide for her family. The after-school program has become a community hub—offering not just education and meals, but also encouragement, prayer, and spiritual growth. Facilities built through this partnership are used for worship services and community gatherings, strengthening both families and the broader village. By addressing physical needs—like food, water, housing, and education—doors are opened to share the love of Christ in meaningful, lasting ways. An Invitation to Make a Difference While stories like Bri’s are encouraging, many more children are still waiting. The need is great—but so is the opportunity. As Aaron reminded us, God doesn’t call us to solve everything. He simply asks us to be faithful with what we’ve been given (Luke 16:10). Like the boy who offered his five loaves and two fish (John 6:1–13), what we place in God’s hands can be multiplied far beyond what we imagine. Through this partnership, just $62 can provide a child with school fees, daily meals, clean water, and biblical teaching that points them to Christ. If you’d like to be part of this work and help reach children like Bri, you can give at FaithFi.com/Cross. On Today’s Program, Rob Answers Listener Questions: I understand how QCDs work and have been using them through my IRA. My question is about documentation—do QCDs require the same ‘contemporaneous’ receipt as regular charitable gifts? And if the IRS questioned it, what proof should I have, especially if the checks are sent directly to charities? What’s the difference between a Roth IRA and a traditional IRA? Can someone open a 401(k) without being an employee? And what are the contribution limits for each? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Cross International Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.