What Money Can’t Do—and What It Can with Dr. Russell James III

Money has a remarkable ability to shape our emotions. In a single week, it can make us anxious, fearful, generous, or joyful. But Scripture reminds us that money—despite the power we often assign to it—cannot ultimately provide what we most want. On today’s episode of Faith & Finance, we spoke with Dr. Russell James III, the CH Foundation Chair of Personal Financial Planning and Charitable Giving at Texas Tech University and author of A Christian’s Guide to Joyful Wealth Management.  He helped us explore a foundational question: If money cannot give us security or control, what is it actually for? The One Thing Money Can’t Do Dr. James begins where the Apostle Paul begins—in 1 Timothy 6. Paul reminds believers of a simple but transformative reality: we cannot take wealth with us when we die. “Money is temporary,” Dr. James explained. “Eventually, every one of us will lose it. The only real question is how.” That truth reframes everything about financial decision-making. If wealth cannot follow us beyond this life, then we are not owners in the ultimate sense—we are stewards. And that reality isn’t merely a theological concept; it’s also biological. Eventually, every dollar we possess will pass to someone else. Thinking about money this way changes the conversation. Instead of asking, “How can I keep this?” we begin asking, “How should I use what God has entrusted to me while I have it?” The Four Ways People Manage Wealth According to Dr. James, Scripture points to four common approaches to handling wealth: 1. Binge Spending wealth recklessly in pursuit of pleasure—like Solomon’s experiments in Ecclesiastes or the prodigal son in Luke 15. 2. Bury Hoarding wealth, protecting it carefully but never truly using it. 3. Toil Working relentlessly to accumulate more and more wealth, even when basic needs are already met. 4. Enjoy Receiving God’s provision with gratitude and using it for good. The first three approaches share a common problem: they ultimately lead to the same outcome—dying with unused or misused wealth. The fourth option—enjoyment—points us toward something better. The Hidden Role of Fear in Our Finances One of the most powerful forces shaping financial behavior is fear. Dr. James noted that many stewardship conversations focus on avoiding overspending. While that’s important, Jesus often warned about the opposite problem—hoarding wealth out of fear. In both the Parable of the Talents (Matthew 25:14–30) and the Parable of the Minas (Luke 19:11–27), the servant who buried what he was given offered the same explanation: “I was afraid.” Fear narrows our focus to worst-case scenarios. It tempts us to seek control through accumulation rather than trusting God as our provider. And yet Scripture reminds us that wealth cannot offer the control we hope for. It is always uncertain and ultimately temporary. The Biblical Vision of Enjoyment One of the most surprising teachings in Scripture is that God intends us to enjoy what He provides. In 1 Timothy 6:17, Paul writes that God “richly provides us with everything to enjoy.” But biblical enjoyment is not indulgence. Dr. James explained that true enjoyment comes when we put resources to work for good purposes. In the very next verse, Paul describes what that looks like: “They are to do good, to be rich in good works, to be generous and ready to share.” —1 Timothy 6:18 In other words, enjoyment is found not in self-indulgence but in participating in God’s purposes. The Power of Generosity Generosity plays a central role in joyful stewardship. When believers share resources within the community of faith, it strengthens relationships, builds trust, and points others toward God’s goodness. Dr. James highlighted an interesting biblical distinction between two types of giving: Almsgiving—helping those in need, which Jesus instructs should be done privately (Matthew 6:3–4). Community sharing—supporting the fellowship of believers and ministry, which the New Testament often celebrates publicly (2 Corinthians 8–9). Understanding these distinctions helps believers see how generosity can both honor humility and inspire others. A Legacy That Lasts When people think about legacy, they often think about money passed to heirs. But Scripture points to something deeper. Financial wealth is uncertain. It can disappear through market shifts, poor decisions, or changing circumstances. But good works endure. Paul describes generosity as “storing up treasure…as a firm foundation for the coming age” (1 Timothy 6:19). The example of a life lived in faithfulness can shape generations far more powerfully than any financial inheritance. Paul’s instruction in 1 Timothy 6:19 calls believers to “take hold of the life that is truly life.” According to Dr. James, joyful stewardship allows us to do exactly that. When we release fear and trust God’s provision: Gratitude replaces anxiety Generosity replaces hoarding Purpose replaces accumulation Research even confirms what Scripture has long taught: generosity produces joy. Taking Hold of the Life That Is Truly Life Money cannot give us security or control. But it can become a powerful tool in God’s hands. When we see wealth as a temporary trust rather than a permanent possession, we are freed to use it wisely—enjoying God’s provision, blessing others, and participating in His kingdom work. That’s how stewardship moves beyond spreadsheets and budgets to become something far greater: a joyful response to God's generosity.  If you’d like to read Dr. Russell James III’s book, A Christian’s Guide to Joyful Wealth Management, you can download the book and study guide for free at EncourageGenerosity.com.  On Today’s Program, Rob Answers Listener Questions: I run a small business in Texas, and I’m looking for a point-of-sale system from a company that operates with biblical values. Do you have any recommendations? I’m 81 and have been investing in the stock market for years. Would it be wise for me to move some of that money into annuities at this stage? I have two certificates of deposit right now. Should I cash them out and move that money into an IRA instead? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) A Christian’s Guide to Joyful Wealth Management EncourageGenerosity.com Gainbridge Authorize.net | Square Sound Mind Investing (SMI) 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 what will it profit a man if he gains the whole world and forfeits his soul? Or what shall a man give in return for his soul?” — Matthew 16:26 Those words from Jesus confront one of the deepest questions we can ask about money and success. Jesus spoke them to His disciples as He taught about the cost of following Him. In that moment, He contrasted two pursuits: gaining the world and preserving the soul. The question still echoes today: Is there a spiritual cost to financial success? On today’s episode of Faith & Finance, John Rinehart, founder and CEO of Gospel Patrons, joined the show to explore that very question and what Scripture teaches about wealth, work, and spiritual health. The Bible’s Honest Warnings About Wealth Financial success itself is not condemned in Scripture. In fact, the Bible includes many faithful believers who possessed great wealth—Abraham, Job, and Lydia among them. Yet Scripture also carries repeated warnings about the spiritual dangers that prosperity can create. As John explained on the show, wealth can be both a blessing and a temptation. The danger arises when our hearts begin to trust money instead of God. Jesus addressed this tension directly in Matthew 6:24: “No one can serve two masters… You cannot serve God and money.” The issue is not the possession of wealth but the mastery of wealth over the human heart. And in a culture that celebrates success, possessions, and financial independence, those warnings are easy to overlook. The Cycle of Success That Can Lead to Spiritual Failure John describes a pattern many people fall into—a cycle of success that can quietly lead to spiritual drift. It often begins with a view of work that centers on earning money so we can eventually rest. We work hard, pursue success, and over time, our effort produces prosperity. Hard work and prosperity themselves are not wrong. In fact, Scripture often affirms diligence. But prosperity introduces a new danger. As John noted during the conversation, success can gradually lead us to forget the God who provided it in the first place. When we begin to see wealth as the product of our own ability rather than God’s provision, our dependence on Him begins to fade. Before long, success that once felt like a blessing can become a spiritual trap. The Warning of the Rich Fool Jesus illustrates this danger in the Parable of the Rich Fool in Luke 12:16–21. In the story, a farmer experiences an abundant harvest. Faced with overflowing crops, he decides to tear down his barns and build bigger ones to store them all. From a purely financial perspective, his plan sounds wise. But Jesus reveals the deeper problem. The man begins speaking to himself as though his wealth guarantees security and ease: “Soul, you have ample goods laid up for many years; relax, eat, drink, be merry.” — Luke 12:19 Then comes the shocking turn. “But God said to him, ‘Fool! This night your soul is required of you.’” — Luke 12:20 The problem wasn’t the harvest—it was forgetting God. This story hits close to home in a culture that often equates success with building bigger barns. The Danger of Forgetting the Source This warning appears long before Jesus told that parable. As Israel prepared to enter the Promised Land, Moses cautioned them about the spiritual risks that accompany prosperity. In Deuteronomy 8:17–18, he warned: “Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the Lord your God, for it is he who gives you power to get wealth.” John highlighted this verse as a key reminder: even the ability to create wealth is a gift from God. When we forget that truth, wealth easily shifts from blessing to idol. When Wealth Chokes Out Spiritual Fruit Jesus also warned that wealth can quietly interfere with spiritual growth. In the Parable of the Sower, He describes seeds that begin growing but are eventually overwhelmed by thorns. He explains the meaning in Mark 4:19: “The cares of the world and the deceitfulness of riches and the desires for other things enter in and choke the word, and it proves unfruitful.” John also noted how startling that statement is. The Word of God is powerful, yet Jesus says the deceitfulness of riches can still choke its fruitfulness in a person’s life. Wealth promises security and satisfaction—but it often delivers anxiety and distraction instead. God’s Better Rhythm for Life Thankfully, Scripture offers a healthier path. John explained that instead of structuring life around work and wealth, God invites us into a different rhythm—one that begins with rest. The Sabbath command in Exodus 20:8–10 reminds us that our lives are not sustained by constant productivity. Rest re-centers our hearts. It draws our attention back to God through worship, Scripture, and time with the community of faith. From that place of rest, work becomes something different. Instead of merely trading time for money, work becomes an act of service and worship—an opportunity to use the gifts God has given us to bless others. When prosperity comes from that posture, it is received differently. Instead of assuming ownership, we begin to recognize stewardship. As Deuteronomy 8:18 reminds us, God is the one who provides the power to create wealth. That truth reshapes how we think about money. Our resources are no longer simply tools for personal comfort—they become opportunities to participate in God’s work. And that leads naturally to generosity. The Role of “Gospel Patrons” John’s ministry, Gospel Patrons, highlights a powerful biblical pattern. Throughout Scripture and church history, movements of God have often been supported by generous believers whose financial resources helped fuel gospel work. Even during Jesus’ ministry, Luke 8:3 tells us that several women helped support Him and His disciples “out of their means.” These supporters—often business leaders, entrepreneurs, and professionals—play a vital role in advancing the mission of God. They may not always preach sermons or travel as missionaries, but their faithful stewardship enables those ministries to flourish. Your Work Can Matter for Eternity One of the most encouraging points Reinhardt shared on the program is that believers working in business or professional careers are not second-class participants in God’s Kingdom. Your daily work matters. When your work is offered to God, your resources stewarded faithfully, and your generosity directed toward His mission, your life becomes part of something eternal. Financial success does not have to lead to spiritual failure. When we remember the source of our wealth and steward it with humility and generosity, our work can become a powerful instrument in advancing God’s Kingdom. On Today’s Program, Rob Answers Listener Questions: I’m 68 and recently retired. With a home for sale and significant cash on hand, I’m trying to determine the best way to begin withdrawing from my 401(k) without pushing myself into a higher tax bracket before RMDs begin. What’s the best strategy? My husband and I are doing Roth conversions, and our CPA suggested funding a charitable giving account to offset the taxes and then using it for our regular tithe. Is it biblically and ethically appropriate to tithe from a charitable account like that? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Gospel Patrons Gospel Patrons: People Whose Generosity Changed The World by John Rinehart Breaking the Cycle (Article by John Rinehart in Faithful Steward Magazine, Issue 1) An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

It’s one thing to thank God before a meal. It’s another thing entirely to thank Him before sending off a tax payment. For many Christians, taxes are rarely associated with gratitude. They often feel like a burden—an interruption to our financial plans or resources we’d rather use elsewhere. But Scripture invites us to view taxes through a very different lens. Instead of seeing them merely as a loss, believers can see them as a reminder of God’s provision and His sovereignty, and as an opportunity to live with integrity. Why Taxes Stir Frustration Few topics unite people quite like a shared dislike of paying taxes. It’s easy to think, if I could just keep that money, I could do something better with it. And when government policies conflict with our convictions—or headlines highlight waste or corruption—resentment can grow even stronger. Yet Scripture calls us to approach the issue differently. Instead of responding with frustration alone, the Bible encourages gratitude, humility, and trust in God’s sovereign rule. In Matthew 22:17, the Pharisees tried to trap Jesus with a political question: “Is it lawful to pay taxes to Caesar, or not?” Jesus responded by asking for a coin and pointing to the image stamped on it. His reply has echoed through history: “Render to Caesar the things that are Caesar’s, and to God the things that are God’s.” (Matthew 22:21) This answer was remarkable. Taxes under Rome were deeply unpopular. Rome was an occupying force, and tax revenue helped sustain a system that oppressed God’s people. Yet Jesus did not call for revolt or avoidance. Instead, He acknowledged that paying taxes fits within God’s ordering of society while making it clear that our ultimate allegiance belongs to God. Coins may bear Caesar’s image, but our lives bear God’s image—and they belong fully to Him. Trusting God’s Sovereignty The apostle Paul reinforced this principle in Romans 13:6–7, writing during the reign of Nero—hardly a model of righteous leadership: “Because of this you also pay taxes, for the authorities are ministers of God… Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed, respect to whom respect is owed, honor to whom honor is owed.” Notice what Paul does not say. He doesn’t ground obedience in the goodness of government. Instead, he points to the sovereignty of God. Paying taxes, then, is not primarily an expression of confidence in a human system. It is a recognition that God ultimately rules over nations, leaders, and history itself. Taxes Reveal God’s Provision There is another perspective on taxes that believers often overlook. Before you pay a single dollar in taxes, something has already happened: God has provided. A mentor of mine, Ron Blue, often says around tax time, “Taxes represent God’s provision.” If God had not provided income, there would be no taxes to pay. Think about it. Taxes imply that: Work was available. Income was earned. Needs were met. Daily bread was provided. In other words, taxes—uncomfortable as they may feel—are evidence that God has supplied what we need. Gratitude allows us to see provision before we see loss. Instead of asking only, How much am I paying? We can ask, What does this reveal about God’s faithfulness? Integrity in a Culture of Loopholes This perspective also shapes how Christians respond during tax season. In a world full of shortcuts, loopholes, and justifications, believers are called to something different: integrity. Honesty in financial matters—especially the ones no one else sees—forms Christlike character. Filing accurately, reporting honestly, and paying what is owed becomes an act of discipleship. It’s a quiet but powerful testimony of a life shaped by trust in God rather than self-protection. Turning Taxes into a Spiritual Discipline Finally, paying taxes can even become a spiritual discipline. Each time you write that check or submit that payment, let it prompt you to pray. Pray that God would guide leaders with wisdom, justice, and humility. Pray for policies that protect the vulnerable and promote the common good. Pray for leaders who recognize their need for God’s guidance. You may disagree with those leaders. You may even oppose their policies. But Scripture reminds us they are still people made in God’s image—people who need God’s help just like the rest of us. In a culture eager to complain, believers have the opportunity to respond differently. When tax season arrives: Remember the Owner: God owns everything, including the income from which taxes are paid (Psalm 24:1). Recognize the Provider: Taxes remind us that God has provided resources in the first place. Respond with Integrity: Honesty reflects a heart that seeks to honor Christ. Reframe with Gratitude: Thank God for His provision rather than focusing only on what is owed. Respond with Prayer: Let taxes prompt intercession for leaders and systems of government. When viewed through the lens of Scripture, even something as mundane—and often frustrating—as taxes can remind us of deeper truths: God provides, God rules, and God calls His people to live with gratitude and integrity. Go Deeper: Our Ultimate Treasure If you’d like to explore these themes of stewardship, gratitude, and God’s ownership more deeply, consider reading Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship. This devotional walks through the biblical foundations of money and stewardship, helping readers see that financial decisions are ultimately spiritual decisions. Over 21 days, you’ll discover how Scripture reshapes the way we think about earning, spending, saving, giving—and even paying taxes. You can learn more or order your copy at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: I’ve inherited about $100,000 and don’t know how to invest it. I’m 75, retired, debt-free, and living on a pension and Social Security. What are some safe options—like CDs or high-yield savings—that still give me access to the money if needed? My husband and I are separated. He’s retired and receiving Social Security and a pension, while I’m still working. Can I claim spousal Social Security benefits on his record while we’re separated, and would that reduce his benefit? I’m 56 and have about $310,000 in an old 401(k) and $268,000 in my current one. With market volatility, I’m considering moving the old account into a 10-year fixed annuity for safety. Is that a wise move? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Community Credit Union | AdelFi Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

Discipleship often sounds like something that requires a large program, a curriculum, or a major church initiative. But what if it’s far simpler than that? What if discipleship often begins with just one intentional relationship? Sometimes a single faithful conversation—repeated over time—can shape how we follow Christ in every area of life, including our finances. Today, we spoke with Brian Holtz, CEO of Compass Financial Ministry, about a simple discipleship model that has quietly transformed lives for decades. And it all begins with one person investing in another. The Power of One-to-One Discipleship The vision began with Howard Dayton, the founder of Compass. Many people know Howard from his years teaching about biblical stewardship, but at the heart of his ministry has always been personal discipleship. Years ago, Howard made a simple commitment: each year, he would intentionally walk alongside one person. They would read Scripture together, discuss what God was teaching them, and reflect on how those truths applied to their lives. Alongside Scripture, they would read a few formative Christian books and meet regularly to talk through what they were learning. But there was one small request. At the end of the year, the person being discipled would commit to doing the same thing with someone else. That simple multiplication strategy became known as the “One More” program—disciple one person each year and invite them to do the same. Books That Shape the Heart Over time, the reading list has evolved, but the goal has always remained the same: to encourage deep spiritual formation. Some of the books commonly used in the process include: Humility by Andrew Murray Trusting God by Jerry Bridges Financial Discipleship by Peter Briscoe The Master Plan of Evangelism by Robert Coleman Each of these works invites believers to reflect deeply on their relationship with God. But as Brian Holtz explained, the real power isn’t in the book list. It’s in the relationship. The conversations that happen as we discuss what God is teaching—how Scripture shapes decisions, priorities, and daily life—become the true treasure of the process. A Life-Shaping Year For Brian, this model of discipleship became deeply personal. Nearly a decade ago, his family had just relocated across state lines for work. Everything felt unsettled—his job, church, and even family rhythms. Nothing seemed to be falling into place. Then a friend invited him into this simple discipleship process: reading Scripture and a few books together over the course of a year. What began as a small commitment ended up transforming nearly every area of his life. His view of money changed. His relationship with the Lord deepened. His marriage and parenting were shaped in new ways. Eventually, that same relationship even influenced his career, leading him to join Compass Financial Ministry itself. What started as one faithful investment became a turning point in Brian’s life—and he has since walked many others through the same journey. Where Discipleship Begins For many believers, the idea of discipling someone else can feel intimidating. We imagine complicated programs or advanced theological training. But Brian offers a far simpler starting point. Don’t read books alone anymore. Invite someone to read with you—whether it’s Scripture, a devotional, or a Christian book. Meet regularly, talk about what you’re learning, and discuss how those truths apply to your life.  That’s it. One conversation at a time. For those who want to follow the same approach used by Howard Dayton, Compass offers free study guides through its “One More” initiative, designed to help people disciple one person each year. One Faithful Relationship at a Time Discipleship rarely begins with a platform or a program. More often, it starts with a single faithful relationship—two people opening Scripture together, asking honest questions, and encouraging one another to follow Christ more closely. And when that investment is repeated again and again, the impact multiplies in ways we may never fully see. One conversation. One relationship. One more life shaped for eternity. On Today’s Program, Rob Answers Listener Questions: My 19-year-old daughter still lives at home, and we want to help her learn good money habits before she moves out. Should we charge her rent and save it for her? What percentage makes sense, where should we keep it, and is it wise for her to get a credit card to start building credit? We lived in a home for 20 years, then turned it into a rental five years ago. It hasn’t been rented for about a year due to renovations. If we sell now, can we avoid capital gains taxes, and how should we handle tithing from the sale in the most tax-efficient way? My daughter is listed on my bank accounts, but her struggling business could lead to bankruptcy. Could that put my money at risk, and should I remove her from the accounts to protect it? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) National Christian Foundation (NCF) Compass Financial Ministry | One More Program Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

“Where your treasure is, there your heart will be also.” — Matthew 6:21 Long before Scripture speaks about budgets, investments, or generosity, it asks a deeper question: What do we truly value? Jesus’ words in Matthew 6:21 aren’t merely financial advice. They reveal a profound spiritual reality. Our treasures—what we prioritize, pursue, and protect—reveal the direction of our hearts. Understanding this truth reshapes the way we think about money, wealth, and ultimately, life itself. Everyone Is Chasing a Treasure Step into any office, business, or marketplace, and you’ll see it quickly: everyone is pursuing something. For some, the pursuit is wealth. For others, it’s freedom, comfort, reputation, or security. When you peel it back, treasure shows up in the things we sacrifice for, dream about, and worry over. Money often sits at the center of this pursuit because it seems to promise everything we desire. If we have enough, we imagine we’ll finally feel secure, prepared, and in control. But there’s a paradox. The more we accumulate, the more we fear losing it. The more we protect it, the more anxious we become. What once promised freedom slowly begins to feel like slavery. The problem isn’t that money is bad. Scripture never teaches that. Money is simply a tool. The problem is that our hearts quietly ask money to do what only God can do: save us, secure us, and satisfy us. That’s why Jesus spoke about treasure so often. Not because He opposed wealth, but because wealth competes for what belongs to God alone—our trust. Generosity Reveals the Heart Many people assume the solution to the love of money is simply to give more. And generosity is certainly celebrated throughout Scripture. Giving frees us to participate in God’s work and bless others. But Jesus never treated giving like a formula. Instead, He treated it like a diagnosis. In Mark 12:41–44, Jesus watched as wealthy donors placed large gifts into the temple treasury. It must have looked impressive to everyone watching. But His attention turned to a poor widow who quietly dropped in two small coins. To most observers, her gift seemed insignificant. But Jesus saw something different. The wealthy gave from their surplus. The widow gave from trust. Her offering wasn’t about optics or recognition. It was worship. She treasured God more than financial security. When Giving Isn’t Enough Jesus reinforced this idea when He rebuked the Pharisees in Matthew 23:23. They carefully tithed even their smallest herbs—mint, dill, and cumin—yet neglected “the weightier matters of the law: justice and mercy and faithfulness.” Their giving was meticulous. But their hearts were misplaced. If the act of giving alone could break the love of money, the Pharisees would have been the freest people in Israel. But they weren’t. True freedom doesn’t come from giving more. It comes from loving Christ most. The Treasure Worth Everything Jesus tells another story in Matthew 13:44 about a man who discovers a treasure hidden in a field. When he realizes what he has found, he joyfully sells everything he owns to buy the field. Notice what’s remarkable about this story: the man isn’t grieving his loss. He’s thrilled. Why? Because he finally sees clearly what is truly valuable. He isn’t losing—he’s gaining. That’s what happens when Christ becomes our treasure. Everything else falls into its proper place. Wealth becomes a tool instead of a master. Enjoyment becomes gratitude rather than entitlement. Generosity flows from joy instead of guilt. Stewardship becomes participation in God’s work instead of anxiety about our own future. The Treasure That Came Looking for Us But the story of treasure doesn’t end there. While humanity was searching for treasure, the greatest treasure came searching for us. Jesus didn’t simply teach about treasure—He became the treasure who gave everything to redeem us. Hebrews 12:2 tells us that Christ endured the cross “for the joy that was set before him.” That joy was redeeming us. The gospel isn’t ultimately a call to give up treasure. It’s an invitation to receive a greater one. The Question That Matters Most The real question isn’t whether you treasure something. You do. The question is who. Earthly treasures always demand protection. Christ alone protects us. And when Christ becomes our treasure, we gain something the world can never provide: a confidence no market can shake and a wealth no thief can steal. So today, pause and ask yourself the question Jesus raised long ago: Where is your treasure? Because wherever it is, that’s where your heart will be also. On Today’s Program, Rob Answers Listener Questions: I started a construction business about a year and a half ago, and it’s growing. How can I pursue growth faithfully without crossing the line from building wealth to pursuing greed? I’m overwhelmed by high-interest loans and paying $1,200–$1,500 every two weeks. Trinity Debt Management may be able to help, but the lenders won’t negotiate. What’s the best way to get out from under these loans? My husband normally manages our finances, but after his recent injury, I realized how unprepared I’d be to handle things on my own. With everything online—bills, investments, and passwords—how can I start getting organized and up to speed? 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 Set Your House in Order (Compass Financial Ministry Study) Cross International Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

What do Bigfoot and credit reports have in common? They’re both surrounded by myths. While we may never settle the question of an eight-foot-tall creature wandering the woods, we can clear up the confusion around credit reports. On this episode of Faith & Finance, Neile Simon, a Certified Credit Counselor with Christian Credit Counselors, stops by to clear up some of the most common misconceptions about credit reports and credit scores. Understanding how credit really works can help you avoid costly mistakes and make wiser financial decisions. Myth #1: Paying Off Debt Instantly Fixes Your Credit Paying down debt is always a good step—but it doesn’t instantly produce a perfect credit score. A credit score reflects your history of borrowing and repayment. Lenders use it as a snapshot of how responsibly you’ve managed credit over time. That means improvement takes patience. The most important habit is simple: consistently pay your bills on time. Over time, that steady pattern will strengthen your credit profile. And beware of anyone claiming they can “fix your credit overnight.” Building good credit always takes time. Myth #2: Credit Counseling Ruins Your Credit Score Many people fear that seeking help will damage their credit—but that’s not true. Participating in a credit counseling program is considered a neutral mark on your credit report. What can affect your score is closing accounts, not the counseling itself. In fact, nonprofit credit counseling agencies often help people regain control of their finances through structured debt management plans. If you seek help, make sure the organization is accredited and nonprofit. That’s why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management.  Myth #3: Canceling Credit Cards Boosts Your Score Closing credit cards may seem responsible, but it can actually lower your credit score. Why? Because it reduces your available credit, which increases your credit utilization ratio—a key factor in credit scoring. If you have credit cards with zero balances and no annual fees, keeping them open can actually help your score. If you must close accounts, do it gradually—perhaps one every six months—to minimize the impact. Myth #4: Too Many Inquiries Hurt Your Score This myth was once more accurate than it is today. Credit bureaus now recognize that consumers shop for loans. If you’re applying for a mortgage or car loan, multiple inquiries within a short window—typically about 45 days—are counted as a single inquiry. That means you can compare offers without damaging your credit score. And when it comes to checking your own credit report, that’s considered a soft inquiry, which does not affect your score at all. In fact, it’s wise to check your credit regularly to monitor for fraud or mistakes. Myth #5: You Don’t Need to Check Your Credit If You Pay Bills on Time Even responsible borrowers should check their credit reports. Studies suggest that a large percentage of credit reports contain errors. Reviewing your report once or twice a year allows you to catch mistakes or fraudulent activity early. You can obtain free reports from all three major bureaus at AnnualCreditReport.com. Correcting errors can take time—sometimes up to 90 days—so staying proactive is important. Myth #6: All Credit Reports Are the Same There are three major credit bureaus: Equifax, Experian, and TransUnion. Each may contain slightly different information because creditors don’t always report to all three bureaus, and updates may occur at different times. Different lenders may also use different scoring models depending on the type of loan—auto, mortgage, or credit card. For the most complete picture, it’s wise to review all three reports. Myth #7: Divorce Automatically Removes Joint Debt Divorce agreements may divide debts between spouses—but they don’t change the original credit contract. If your name remains on a joint account, you’re still legally responsible for the debt. If the other person misses payments, your credit score can suffer too. That’s why it’s important to close joint accounts or refinance debts into one person’s name whenever possible. Myth #8: All Negative Marks Disappear After Seven Years Some negative items disappear after seven years—but not all. For example: Chapter 13 bankruptcy: up to 7 years Chapter 7 bankruptcy: up to 10 years Positive closed accounts: can remain for 10 years The good news is that positive information usually stays longer than negative information, helping your score recover over time. Myth #9: You Can Pay Someone to “Fix” Your Credit Many companies promise fast credit repair—but most simply send dispute letters to creditors. If the information on your credit report is accurate, it cannot be removed. That means many consumers pay fees without seeing real results. The truth is, you can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies. The Bottom Line Understanding how credit works empowers you to use it wisely. Credit reports aren’t mysterious or magical—they simply reflect how consistently and responsibly you’ve handled debt over time. With accurate information, good habits, and a little patience, you can build a strong credit profile that supports your financial goals. And when challenges arise, seeking wise counsel and staying informed can help you move toward greater financial freedom. If you're struggling with credit card debt, Christian Credit Counselors can help. They’ve helped thousands of people get out of debt 80% faster while honoring their financial obligations. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. On Today’s Program, Rob Answers Listener Questions: My small retail business in a local mall is struggling as other stores close and sales decline. We’re starting to lose money and take on debt. Should I consider closing the business and pursuing a new venture or a job to stabilize our family's finances? We’ve always tithed on our gross income. After selling our previous home, we made a non-taxable profit but used it to buy another home that still needs repairs and has a small mortgage. Should we tithe on that profit, or focus on maintaining the home and paying down the mortgage? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors AnnualCreditReport.com  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

“Behold, children are a heritage from the Lord, the fruit of the womb a reward.” - Psalm 127:3 Children are a precious gift from God—an inheritance to cherish and steward well. Along with the joy of welcoming a new baby comes a new layer of responsibility, including financial decisions that can shape your family’s future. A thoughtful checklist can help bring clarity and peace during a season that is both beautiful and demanding. Here are several key financial steps to consider after bringing a newborn home. Add Your Baby to Health Insurance In the midst of sleepless nights and constant diaper changes, don’t forget to update your health insurance. Most plans allow about 30 days after birth to add your baby to your policy. While reviewing your coverage, confirm that pediatric care, vaccinations, and potential hospital visits are included. The birth of a child qualifies as a life event, meaning you can make necessary adjustments to your plan. Review Your Life Insurance Coverage Life insurance is essential for parents—not for the baby, but for you. A common guideline is to carry term life insurance equal to at least 10 times the primary breadwinner’s salary. Don’t overlook the caregiving spouse either. Replacing the cost of childcare, household management, and daily care would be significant, making coverage for both parents wise and necessary. Update Your Budget A new baby brings new expenses—and often quickly. Consider creating a dedicated “baby” category in your budget to account for diapers, wipes, clothing, feeding supplies, and medical needs. You may need to shift funds from other areas to stay balanced. Planning now can ease stress later and help you adjust as needs evolve. Create or Update Your Will A will is not just about distributing assets—it’s where you designate a guardian for your child. While this can feel like a difficult decision, having a plan in place is essential. After prayerful consideration, choose someone who would care for your child with wisdom and love. You can always revise your decision later. A clear will can also prevent confusion or conflict and ensure your assets pass according to your wishes. As Proverbs 13:22 reminds us, “A good man leaves an inheritance to his children’s children.” That inheritance includes not only finances but also a legacy of faith and stewardship. Strengthen Your Emergency Fund If you don’t already have an emergency fund, aim to save three to six months of living expenses. If you had one before your baby arrived, you may need to increase it to reflect higher monthly costs. Unexpected medical bills, job changes, or major purchases—such as strollers or childcare—can quickly strain finances. A strong emergency fund provides stability during uncertain moments. Update Your Taxes and Withholding With a new child, you can claim an additional dependent on your tax return, which may qualify you for a child tax credit of up to $2,200 per child. You’ll also want to update your W-4 at work so your withholding reflects your new household size. This may increase your take-home pay throughout the year. Begin Education Savings Starting early can make a significant difference. A 529 plan allows tax-free investment growth for qualified education expenses, including private K–12 schooling, vocational training, and college. You can open a plan in any state, and family members or friends can contribute to it. New options like the Trump Accounts opening up in July of 2026—are government-seeded investment accounts designed to support future education, business startup costs, or homeownership—are also expanding the ways families can plan ahead. Protect Your Child’s Identity Finally, consider placing a credit freeze on your child’s file with the major credit bureaus. This simple step can help guard against identity theft and prevent unauthorized accounts from being opened in their name. Stewarding the Gift Welcoming a child is one of life’s greatest joys—and one of its greatest responsibilities. Financial preparation won’t eliminate every uncertainty, but it can create stability and margin for what matters most: loving your child and pointing them toward Christ. As you plan, remember that the ultimate inheritance you pass on is not financial—it’s a legacy of faith, wisdom, and trust in the Lord who provides for every season. On Today’s Program, Rob Answers Listener Questions: How can I evaluate whether a ministry is a wise place to give? I’ve received appeals from the Far East Broadcasting Company about outreach into North Korea, but I don’t know how to vet them. At 70 and 75, after health and job setbacks, we want to steward about $30,000 wisely for our kids and 15 grandkids. We’re not experienced investors—what’s the best way to handle this at our stage of life? I began Social Security at full retirement age but still work full-time. My benefit hasn’t been recalculated despite higher earnings. Who can help me resolve this—an agency or an attorney? After downsizing and paying off debt, we have a manageable mortgage and solid savings. Should we pay extra to pay off the mortgage quickly, or keep the payments and focus on saving and enjoying this season? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) ECFA | Charity Navigator Betterment | Schwab Intelligent Portfolios® | Sound Mind Investing (SMI) Social Security Administration (SSA.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

Homes hold memories. They hold family history, meaning, and for many, a lifetime of love. But as we age, the very places that once felt secure can quietly become harder—and riskier—to live in. Most homes in the U.S. were never designed for aging bodies. Yet many older adults feel emotionally and financially locked in. The result? Families delay important housing decisions until a crisis forces change. Today, we were joined by Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, about a lesser-known option that may help older adults move into safer homes—without taking on new required monthly payments. The Hidden Danger: Falls at Home Falls are far more common—and costly—than most people realize. Roughly 30 million older Americans fall each year. About one in five of those falls results in serious injury, often leading to hospitalization. The direct medical costs alone total nearly $50 billion annually. But the emotional and lifestyle costs for families can be even greater. What’s sobering is where these falls happen. Not in extreme situations—but in ordinary places: Stairways Bathrooms Entryways Narrow hallways These everyday features become obstacles as mobility changes. Why So Many Homes Don’t Fit Aging Adults Most homes were built decades ago for young families in different stages of life. Only a small percentage include basic accessibility features such as: Step-free entries Main-floor bedrooms Main-floor bathrooms Wider doorways and hallways As a result, stairs, tubs, and tight spaces often push older adults toward assisted living or nursing homes—not because they want to move, but because their homes no longer support their safety. Why Many Families Feel “Stuck” Even when homeowners recognize their house isn’t ideal anymore, they often hesitate to move. There are two major reasons: 1. Emotional Attachment This is the home where children were raised, and milestones were celebrated. Letting go isn’t easy. 2. Financial Lock-In Many retirees either: Have very low mortgage rates (2–3%), or Own their homes outright They worry that selling means taking on a new mortgage payment—something they might regret later in life. So they stay…often until something goes wrong. A Little-Known Option: Reverse Mortgage for Purchase Many people assume a reverse mortgage is only for accessing equity in their current home. But there’s another option: using a reverse mortgage at the point of purchase. Here’s how it can work: A homeowner sells their current home. They use the proceeds to purchase a new, safer home. A reverse mortgage helps cover the difference. For example: Sell a $300,000 home. Purchase a $500,000 home. Use a $200,000 reverse mortgage for purchase. The key distinction? No required monthly mortgage payments for as long as the homeowner lives in the home. That opens the door to: Newer construction Energy-efficient homes Low-maintenance properties Better design for aging in place A Shift in Thinking: Prevention, Not Reaction One of the wisest principles in Scripture is found in Proverbs 27:12: “The prudent see danger and take refuge.” Housing decisions in later life should reflect that kind of prudence. Rather than waiting for: A fall A wheelchair A medical emergency Families can proactively ask: How can we use the housing wealth we’ve built to improve safety and quality of life—while we’re still healthy? When purchasing a home for the “fourth quarter” of life, it shouldn’t just be your best home—it should be your safest home. Stewarding Home Equity Wisely Interestingly, two-thirds of retirees still carry a mortgage. Even when downsizing, some may still need financing. A reverse mortgage for purchase can allow retirees to: Avoid required monthly payments Preserve some cash for investments or future needs Move into a safer home Maintain flexibility Like any financial tool, it isn’t right for everyone. But for some families, it may provide a path forward they didn’t realize existed. Moving Forward Housing is more than real estate—it’s stewardship. It’s about safety, dignity, and wise preparation for the season ahead. If you’d like to learn more about whether a reverse mortgage for purchase could fit your situation, you can explore your options at Movement.com/Faith. As with any major decision, seek wise counsel, pray for clarity, and take steps not just to protect your assets—but to protect your well-being. On Today’s Program, Rob Answers Listener Questions: My grandfather set up 529 plans for my two older kids. If there’s money left after they graduate, can I transfer it to my younger daughter? And once she’s finished, could I split any remaining funds into separate accounts for each child’s future family? I often hear advice to put 10% into precious metals for retirement. What’s your take—and is there a biblical perspective on that? Also, in retirement, when we’re living off savings, how should we think about tithing? Do we give 10% of what the nest egg produces? After caring for my mom and losing my job, I’m nearly 50, $15,000 in debt, facing eviction, and starting over with no savings. What should I prioritize first? My wife and I are newly married and plan to live full-time in an RV for ministry. We’ll live on my retirement income and use the remainder for spending. Should we manage that with cash, debit, or credit? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Tithing: A Fresh Look at an Ancient Practice (Article by John Cortines in Faithful Steward, Issue 3) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

What if the Bible doesn’t just give us advice about money—but reshapes the way we think about it entirely? The messages we absorb from culture shape our fears, our goals, and even where we look for security. But Scripture offers a different foundation—one that brings clarity, freedom, and purpose to every financial decision. Ron Blue—co-founder of Kingdom Advisors and a pioneer in biblical financial stewardship—joined the show today to share how Scripture reframes our assumptions about money and calls us into a deeper, more faithful way of living. The False Promise of Security One of the most powerful cultural assumptions about money is that it provides security. We spend much of our lives trying to answer the question: How much is enough? But Scripture turns that question upside down. True security, the Bible teaches, isn’t found in wealth, savings, or income—it’s found in God alone. Culture urges us to pursue more, feeding discontent and anxiety. Scripture calls us instead to pursue faithfulness. Money can create the illusion of certainty. But it cannot protect us from life’s ultimate realities. It cannot buy peace. It cannot purchase eternity. Only God provides the kind of stability that lasts forever. Contentment Is a Spiritual Choice Many people feel that no matter how much they have, it never feels like enough. Scripture addresses that tension directly. Hebrews 13:5 calls us to “be content with what you have,” reminding us that contentment isn’t a financial outcome—it’s a spiritual posture. Contentment grows when we trust that God knows our needs and promises to provide for them. Gratitude replaces striving. Peace replaces fear. Joy replaces comparison. Fear often sits beneath our financial habits—the fear of not having enough or losing what we already have. But Scripture gently redirects our hearts: God is our provider, and He will supply what we need when we need it. From Ownership to Stewardship Another assumption Scripture overturns is the idea that what we have belongs to us. The Bible consistently teaches that God is the true owner of everything. He created it. He sustains it. And for a season, He entrusts resources to us. That changes the central question of our financial lives. Ownership asks: What do I want? Stewardship asks: What does God want? When we see money as something entrusted to us rather than as something we possess, it reshapes how we spend, save, give, and plan. We begin to live not as controllers, but as faithful trustees—managing God’s resources for His purposes. Scripture also helps us understand a difficult reality: people receive different amounts of resources. God loves each of us equally, but He treats us uniquely. He knows what each person needs and what each can faithfully steward. That perspective invites trust instead of comparison. Much like a loving parent treats each child according to their personality and needs, God provides for each of His children differently. What we have today is not random—it reflects His wisdom and care. The Next Faithful Step When Scripture reshapes our understanding of money, the goal isn’t perfection—it’s faithfulness. The question becomes simple and practical: What is my next faithful step? Not how much more can I accumulate. Not how secure can I make myself. But how can I steward what God has entrusted to me today? That perspective brings freedom. It replaces pressure with purpose and transforms money from a source of anxiety into a tool for worship, generosity, and trust. Because in the end, the Bible doesn’t just change what we do with money—it changes what we believe about it, and ultimately, who we trust to provide. On Today’s Program, Rob Answers Listener Questions: I have about $40,000 in credit card debt, and I’m trying to decide the best way to tackle it. Should I pursue credit counseling or consider a home equity loan—and why might credit counseling be the better option? I want to be a faithful steward of what God has entrusted to me, and I’m trying to understand the difference between tithing and offerings. I haven’t been giving a full 10% of my gross income, and I’m wondering if I’m missing the mark. Can you offer some clarity? I’m about to apply for Social Security and want to know the best way to do it. Is it better to apply online, by phone, or in person at a local office? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Tithing: A Fresh Look at an Ancient Practice (Article by John Cortines in Faithful Steward, Issue 3) Christian Credit Counselors Social Security Administration (SSA.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.

Many investors feel a real tension today. They want their portfolios to reflect biblical convictions. They care about justice, stewardship, and human dignity. Yet they’re also navigating volatility, inflation, and economic uncertainty. When markets feel unstable, the question quietly surfaces: Do I have to choose between faithfulness and financial performance? The answer may surprise you. Today, we sat down with Stella Tai, Stewardship Investing Impact and Analysis Manager at Praxis Investment Management, one of the country’s oldest faith-based mutual fund families and a valued underwriter of this program. Our conversation centered on whether values-aligned investing can truly pursue both impact and competitive returns—even in uncertain times. The Tension Investors Feel In strong markets, impact investing can sound inspiring and straightforward. But when markets grow choppy, many investors feel drawn into survival mode. “I need to focus on returns.” “I can’t afford to think about impact right now.” Stella noted that this tension isn’t just financial—it’s spiritual. People of faith don’t want to pull back from caring about stewardship or community flourishing. But they also worry: Will my returns suffer if I invest with conviction? That’s an honest question.  Scripture reminds us in Proverbs 21:5 that “the plans of the diligent lead surely to abundance.” There’s a difference between being responsive and being reactionary. When anxiety drives decisions, fear often replaces conviction—and that’s when costly mistakes happen. Discipline Over Panic At Praxis, stewardship in uncertain markets begins with discipline. Stella described three anchors: Financial rigor in every market cycle. Serious analysis, ongoing evaluation of risk and opportunity, and team-based decision-making help ensure emotions don’t drive the ship. Integration of impact with fundamentals. Impact and performance are not competing priorities. They are designed to work together. A long-term orientation. Rooted in stewardship, not speculation. Hebrews 12:11 reminds us that discipline may feel painful in the moment, but it yields a peaceful fruit of righteousness. That’s true in spiritual formation—and in investing. What Values-Aligned Performance Actually Looks Like One common misconception is that screening companies based on faith convictions automatically sacrifices performance. Stella explained that Praxis uses what’s called benchmark tracking. In simple terms, that means aiming to closely track the broader market while thoughtfully excluding companies that don’t align with biblical values. The goal isn’t to “beat the market.” It’s to minimize what’s known as “tracking error”—the gap between a fund’s returns and its benchmark. In other words, you can seek market-level returns while owning companies that better reflect your convictions. Over full market cycles—not just in a single quarter—faith-based investors should expect competitive returns. That commitment to consistency is central. Impact Beyond Screening Screening is often the most familiar strategy in values-aligned investing. But real impact doesn’t stop there. Praxis recently released its Real Impact Report, highlighting a framework that includes multiple strategies—from screening and shareholder advocacy to direct community investing. One powerful example involved long-term engagement with a large utility company in the Southeast. Instead of divesting, Praxis used its ownership stake to advocate for: A just transition for workers and communities as coal plants retire Science-based emissions reduction targets Responsible planning tied to renewable energy growth The company published just transition metrics and began tracking progress. That’s what patient, long-term engagement looks like. Rather than stepping away, they stayed invested—believing transformation often happens through steady, faithful presence. Where to Begin If you’re intrigued by impact investing but feel overwhelmed, start with clarity. Ask yourself: What values matter most to me? What kind of world do I want my capital to help build? What are my long-term financial goals? Then consider working with an advisor familiar with faith-based investing options. You don’t have to master every strategy. Firms like Praxis Investment Management handle the research, engagement, and implementation. Your role is simpler—and profound: to say, "I want my money to reflect my values." When multiplied across many investors, even small portfolio decisions can move markets toward greater justice, dignity, and stewardship. And in uncertain times, that kind of disciplined conviction may be one of the most faithful investments you can make. On Today’s Program, Rob Answers Listener Questions: I’m 60 and recently lost a long-time job. I have about $1.5 million in a volatile 401(k) and would prefer not to draw from it yet. With my wife working part-time and income limited, how should I reposition this account to make it safer and navigate this transition? If I take Social Security before full retirement age and accept the reduced benefit, how do cost-of-living adjustments factor in? Do future COLAs help offset that early-retirement reduction? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Praxis Investment Management Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.