Supporting Kingdom Causes with Will Lofland

"But seek first the kingdom of God and His righteousness, and all these things will be provided for you." – Matthew 6:33This verse calls us to put God’s Kingdom first in every aspect of our lives—including our investments—trusting that He will provide and use our efforts to advance His purposes. Today, Will Lofland joins us to share how that’s happening right now.Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone’s shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.Who Is Guidestone?Guidestone is more than a financial services firm—it's a ministry to ministries. It is focused on serving ministries in all financial aspects of their work, including retirement plans, insurance solutions, wealth management, and the nation’s largest Christian-screened mutual fund family.By equipping ministries with financial stability and security, Guidestone helps leaders focus more fully on spreading the gospel. Their services are designed to remove the weight of financial anxiety so that pastors, missionaries, and nonprofit leaders can flourish in their callings.What makes Guidestone unique is its unwavering commitment to honoring God with every dollar invested. Through rigorous Christian values screening, corporate engagement, and impact investing, it ensures that each fund reflects biblical principles.Guidestone’s Impact Funds are an extension of this stewardship philosophy. Launched just before 2020, these funds go beyond avoiding harmful investments—they proactively invest in companies, projects, and causes that create meaningful change.Take the Impact Bond Fund, for example. It invests in projects like:Clean water infrastructureAffordable housing initiativesChristian-focused senior living communitiesThey believe that if we are truly stewards of God’s resources, we want to invest in a manner that honors God and His purposes for human flourishing. Introducing the Kingdom Causes ProgramWhile securities can create positive change, their reach has limits. That’s where Guidestone’s Kingdom Causes program comes in.Born out of the Impact Funds initiative, Kingdom Causes donates 20% of the advisory revenue generated by the Impact Funds and supplements it with additional funding. Since 2020, they’ve donated nearly $750,000 to ministries advancing the gospel and protecting life.Their giving is focused on two core pillars:Sanctity of LifeSpreading the GospelFrom local to global, the ministries they support reflect these values.Ministries Making a DifferenceLocal Impact: Prestonwood Pregnancy CenterLocated in the Dallas area, this center is an extension of Prestonwood Baptist Church and serves women with compassionate care and gospel-centered support during unplanned pregnancies.They provide honest care, real information, and a strong infrastructure to support needy women. National Reach: Psalm 139 ProjectThis initiative provides ultrasound machines and resources to pregnancy centers nationwide, reinforcing the value of life and empowering expectant mothers.Meeting Physical Needs in the Name of JesusGuidestone also supports ministries that serve practical needs as an avenue for gospel outreach.Send ReliefA joint venture between the International Mission Board (IMB) and the North American Mission Board (NAMB), Send Relief addresses urgent needs like the following:Medical Missions in VenezuelaEntrepreneurial training for widows in AfricaLocal development projectsThese efforts not only meet physical needs but also open doors for evangelism.Faith-Based Content for Kids: Meet MinnoRecognizing the need for Christ-centered media, Guidestone supports Minno, a streaming platform offering biblically grounded content for children. It gives parents peace of mind knowing their kids are watching wholesome, faith-filled shows.Discipling the Forgotten: Prison MinistriesTwo standout organizations Guidestone supports are:Prison Fellowship: Sharing the hope of Christ with incarcerated individuals. Prison Seminaries Foundation: Partnering with Baylor University to provide seminary training to inmates serving long sentences.These ministries are transforming lives behind bars, raising disciple-makers where they’re least expected.How You Can Join InWhen you invest in Guidestone’s Impact Funds, you’re doing more than planning for your future—you’re also making an eternal impact. Visit GuideStoneFunds.com/Faith to learn more and to explore their faith-based investment options. On Today’s Program, Rob Answers Listener Questions:I'm in the midst of my retirement or death planning, and I'm wondering what criteria I should use for creating a trust versus just having a will.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineGuideStone FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it." — Proverbs 13:11This verse offers a powerful lesson on financial stewardship—true and lasting wealth isn’t built through shortcuts or speculation but through steady diligence and faithful management. In today’s fast-paced world, financial success is often measured by how quickly one can accumulate wealth. Social media is filled with stories of overnight millionaires, high-risk investments, and shortcuts to riches. But is this the right approach? Let’s explore how this biblical principle plays out in real life.The Temptation of Instant WealthTo illustrate this principle, let’s look at the real-life story of an executive at a major Western bank—we’ll call him Brian to protect his anonymity.Brian began his finance career in the 1990s, confident in his ability to manage money. However, he now admits that he was living beyond his means and accumulating debt. This financial instability made him especially susceptible to the allure of quick wealth, particularly during the height of the dot-com boom in the early 2000s.When a coworker offered him a chance to get in on the ground floor of a "can’t lose" tech startup, Brian didn’t hesitate. He scraped together $10,000, convinced he was on the fast track to wealth. In his mind, success was inevitable—he was already preparing to celebrate.But before he could, Brian heard the sound of the dot-com bubble bursting. His investment vanished, lost in a company he knew little about. He had chased quick wealth only to face the painful consequences.His story echoes the warning of Proverbs 28:20:"A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished."The Consequences of Chasing Quick WealthIt’s important to understand that God doesn’t sit around waiting to punish people for making bad financial choices. Instead, He may allow those poor decisions to lead to their natural consequences. Proverbs 13:11 teaches that when money is gained too quickly—whether through reckless speculation, gambling, or unethical shortcuts—it often lacks a foundation of wisdom and discipline, making it easy to lose.1 Timothy 6:9-10 warns:"Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."Many people experience financial hardship because they prioritize speed over stewardship. But God has a better way.The Power of Slow, Faithful GrowthIf Proverbs 13:11 warns against hasty wealth, it also points us to a better way:"Whoever gathers little by little will increase it."This principle isn’t flashy, but it’s powerful. True financial growth happens gradually through wisdom, patience, and discipline.Rather than seeking quick riches, God calls us to:Work diligently and earn honestly (Colossians 3:23).Save and invest wisely over time (Proverbs 21:20).Be generous and steward money for His purposes (2 Corinthians 9:6-7).Financial success isn’t about speed—it’s about faithfulness over time. Or, as the late Eugene Peterson put it so well, it’s about “long obedience in the same direction.”Brian’s Financial RedemptionBrian’s story didn’t end with financial ruin. Instead of giving up, he decided to take a biblical money management class through his church. That’s when things started to turn around.He learned to be more disciplined with his finances—budgeting, saving, and living within his means. Eventually, he began investing again, but this time, he avoided speculation and focused on something he understood: real estate. He started small, took his time, and remained patient.Because he wisely managed his investments, his real estate holdings survived the housing crash and the Great Recession. Over time, he even started a fitness-related business with his son—something he had always dreamed of. That business survived the challenges of COVID-19 and is still thriving today.Brian’s financial recovery wasn’t instant. It was the result of steady, faithful growth over many years. His story is a testament to the wisdom of Proverbs 13:11—building wealth little by little often leads to long-term success.If you’ve experienced financial setbacks, don’t lose heart. The key is to keep moving forward. The world promotes shortcuts, but God calls us to faithfulness. If we embrace patience, diligence, and godly stewardship, we’ll not only experience financial security but also the joy of honoring Him with our resources.So, instead of chasing instant success, let’s follow God’s way—one wise step at a time.On Today’s Program, Rob Answers Listener Questions:I received a notice from my bank about an arbitration provision and class action waiver for dispute resolution by individual arbitration. What does this even mean?I'm doing a remodel because my husband has Parkinson's, and I need to modify the bathroom to accommodate him. The bathroom renovation will cost about $25,000 to $30,000. Should I take the money from my 401(k), or would it be better to use funds from my home, which has been paid off for about seven years?My wife had open heart surgery at the end of 2023, and due to her portable bypass, she's unable to work continuously. I want to build retirement savings for her through a Roth IRA. I know I can open a spousal IRA for her since I'm working, but I'm concerned about whether this might affect her current disability benefits.I'm 65 and considering retirement in a couple of years. My friends suggest I take Social Security now, but I'm wondering about the best strategy. I'm currently 67 and don't need the money right now. Should I take Social Security now, wait until my full retirement age, or wait until I'm 70 to get a higher benefit? What are the investment implications of each option?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageSSA.gov (Social Security Administration)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"Behold, children are a heritage from the Lord, the fruit of the womb a reward." – Psalm 127:3Children are a precious gift from God—a reward and a heritage to be cherished. With the incredible joy of welcoming a newborn also comes great responsibility, especially in managing finances wisely.To help new parents navigate this season, here’s a New Baby Financial Checklist to ensure you’re covering all the essential financial bases.1. Add Your Newborn to Your Health InsuranceIn the whirlwind of 2 AM feedings and endless diaper changes, don’t let updating your health insurance slip through the cracks. Most plans allow a 30-day window after birth to add your baby to your policy.While you’re at it, double-check that your plan covers:Pediatric careVaccinationsEmergency hospital visitsThankfully, welcoming a new baby qualifies as a “life event,” meaning you can make necessary adjustments to your plan.2. Secure Life Insurance CoverageLife insurance isn’t for the baby—it’s for you. Ensure you have a term life policy that provides at least 10 times the primary breadwinner’s salary in coverage.Don’t overlook the caregiving spouse, either! If something were to happen to them, the cost of childcare could be significant. Securing life insurance ensures financial stability for your growing family.3. Update Your BudgetIt’s time to add a “Baby” category to your budget. When estimating how much to allocate, consider these new expenses:Diapers and wipesBaby clothes (that seem to shrink overnight!)Baby food and formulaMedical expensesThese costs add up quickly. You may need to adjust other budget categories to stay on track, but planning ahead will reduce financial stress down the road.4. Create or Update Your WillA will isn’t just about distributing assets—it’s about securing your child’s future. One of the most critical decisions in your will is naming a guardian for your child in case both parents pass away.While this can be a difficult decision, it’s essential to have a plan in place. Pray for wisdom and choose someone who shares your values and would provide loving care if the unthinkable happens.Proverbs 13:22 reminds us: “A good man leaves an inheritance to his children’s children…” This inheritance isn’t just financial—it includes faith, wisdom, and values that shape their future.5. Build or Strengthen Your Emergency FundIf you don’t already have an emergency fund, now is the time to start. Aim for 3 to 6 months’ worth of living expenses in savings.A new baby comes with many surprise costs, from medical bills to strollers that cost more than you expected. If a financial emergency—like a job loss—were to happen, having this cushion would be a huge blessing.6. Update Your TaxesWith the arrival of your baby, your tax situation changes:Child Tax Credit—You can claim your baby as a dependent on your tax return, which may qualify you for a $2,000 tax credit.Adjust Your W-4—Update your W-4 form at work to ensure your withholding reflects your new family size. You may be able to withhold less, increasing your take-home pay.7. Start an Education Savings FundIt may feel early, but saving for your child’s education now can set them up for success. A 529 plan is a great option—it can be used for:Private K-12 tuitionVocational or technical trainingCollege education529 plans also offer tax-free growth on investments used for qualified educational expenses. Bonus: Recent tax law changes now allow unused 529 funds to be rolled into a child’s Roth IRA (up to $35,000), making them even more beneficial!8. Freeze Your Child’s CreditIdentity theft isn’t just an adult problem—it can happen to children, too. If you’ve applied for a Social Security number for your baby, consider placing a credit freeze with the three major credit bureaus.This prevents fraudsters from opening accounts in your child’s name, protecting their financial future.Welcoming a new baby is an incredible blessing, but it also comes with financial adjustments. By taking these steps, you can ensure a secure and stable future for your family.Have you checked off all the items on this list? Start today and take one step at a time—you’ve got this!On Today’s Program, Rob Answers Listener Questions:Can you recommend a burial insurance of any kind?I recently retired at 70 and have money in a 401(k) that I'm unsure how to handle. My wife keeps saying we should invest in gold, but I don't know much about the stock market. Should I get a personal advisor to help me reinvest this money?I'm a federal government retiree with a pension. I'm 61 years old and have no debt besides my house payment. I'm not currently investing in anything. What would you recommend as an investment path for someone in my retirement situation?We have a 22-year-old adult daughter who lives with us. She is only responsible for paying her car insurance. We would like to know if it's biblical to start charging her rent to live with us and, if so, how we should determine the right dollar amount.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineSound Mind InvestingList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“We love because He first loved us.” – 1 John 4:19Those six words beautifully capture the foundation of our relationship with God—we can only love and give because He first gave to us. Today, Sharon Epps joins us for a fascinating discussion on the generosity of women in the Bible.Sharon Epps is the President of Kingdom Advisors, FaithFi’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.The Women Who Provided for JesusLuke 8:1-3 records an often-overlooked detail:“Soon afterward, He went through cities and villages, proclaiming and bringing the Good News of the Kingdom of God. And the twelve were with Him, and also some women who had been healed of evil spirits and infirmities: Mary, called Magdalene, from whom seven demons had gone out, and Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.”This passage tells us three key things:These women had been healed by Jesus—physically, spiritually, or both.They supported Jesus’ ministry financially out of their own wealth.Their generosity was a response of gratitude for what Christ had done for them.One of these women, Joanna, stands out in particular.Joanna: A Woman Transformed by JesusJoanna was the wife of Chuza, King Herod's household manager. Thus, she likely had significant wealth and lived a royal lifestyle. Yet, despite her status, she was weakened when she met Jesus. She needed healing, and her first act of generosity was actually receiving—not giving.This is a powerful reminder: Before we can give, we must first receive.What Does This Teach Us?Money alone doesn’t solve all problems—Joanna had wealth but still needed Christ.Generosity starts with receiving—not just financially, but in all aspects of life.God uses people from all walks of life—even a woman in Herod’s court—to fund Jesus' ministry.Receiving Before We GiveJoanna’s story reminds us of an important biblical truth: we can only give what we have first received.1 Corinthians 4:7 asks:“What do you have that you did not receive?”The answer? Nothing.Everything—our breath, skills, love, wisdom, and financial resources—is a gift from God. We receive, then we give, creating a virtuous cycle of generosity that mirrors God’s own generosity toward us.Three Key Questions to Consider:What have I received from Christ that enables me to give?Is my giving safe or sacrificial?What does my giving reveal about how well I’ve received from God?These questions challenge us to shift our perspective—to see giving not as an obligation but as an overflow of what we have already been given.The Motivation Behind Joanna’s GenerosityWhy did Joanna give so generously? Gratitude.Later, in Luke 24, we find Joanna at Jesus’ empty tomb. She was among the women who encountered the angels, remembered Jesus’ words, and ran to tell the apostles.Her journey shows a progression:She received healing from Jesus.She financially supported His ministry.She proclaimed His resurrection.Her generosity wasn’t just about money—it was about devotion. She gave because she loved Jesus deeply.Lessons in GenerosityAs we reflect on Joanna’s story, here are some key takeaways we can walk away with: 1. Generosity is a JourneyOur relationship with Christ fuels our generosity. The deeper our love for Him, the more naturally we want to give.2. We Must Receive Before We Can GiveWe often think about generosity in terms of money, but we also receive:Life itself—the breath in our lungs.Skills and abilities—talents that allow us to work and earn.Love from God and others—which shapes our generosity.3. Giving is an Act of WorshipJoanna’s giving wasn’t transactional—it was an expression of extravagant love for Jesus. She gave freely because she had freely received.As we reflect on Joanna’s story, let’s ask ourselves:Do I truly recognize that all I have is from God?Am I giving out of safety or sacrificial love?Does my giving reflect how well I’ve received from Christ?These questions can reshape our perspective on generosity, helping us move from obligation to joyful, faith-driven giving.Joanna’s story reminds us that generosity is not about wealth—it’s about the heart. As we receive from Christ, we are called to pass it on—whether through finances, service, or sharing the gospel.May we, like Joanna, be conduits of Christ’s love, reflecting gratitude, devotion, and generosity in all we do.On Today’s Program, Rob Answers Listener Questions:I have a term life insurance policy that I got when we renovated our house a few years ago. The premiums keep increasing, and we're now retired with no debt. Do I still need this policy?I have a 401(k) invested in high-risk options through Empower (formerly Prudential). The account performs well when the market is good but loses a lot when it's down. What are your thoughts on investing through Empower, and are there any other options I should consider for my 401(k)?I inherited a property that was deeded to me and the 'heirs of my body.' Do I need to create a will or a trust to transfer this property when I pass away properly?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What do Bigfoot and credit reports have in common? They’re each the subject of many myths.We don’t know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt’s a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won’t happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That’s why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don’t Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that’s not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they’ve seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse’s name. Simply relying on a court order won’t protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf you're struggling with credit card debt, Christian Credit Counselors can help. They’ve helped thousands of people get out of debt 80% faster while honoring their financial obligations.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.On Today’s Program, Rob Answers Listener Questions:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When we invest our hard-earned money, we naturally seek a financial return—but could there be other rewards as well?Faith-based investing offers more than just financial gains. Today, Finny Kuruvilla joins us to explore the deeper impact of aligning our investments with our values.Dr. Finny Kuruvilla serves as a Co-Chief Investment Officer, Senior Portfolio Manager, and founding member of Eventide Asset Management, an underwriter of Faith & Finance. He holds an M.D. from Harvard Medical School, a Ph.D. in Chemistry and Chemical Biology from Harvard University, a master’s degree in Electrical Engineering and Computer Science from MIT, and a bachelor’s degree from Caltech in Chemistry.Common Objections to Faith-Based InvestingIndeed, Christians might have different views on some of these, but here are three of the most common that Finny hears consistently:Objection 1: “I’m not responsible for the actions of the companies I invest in.”Many investors assume that purchasing stocks or mutual funds does not connect them to a company’s actions. However, investing is ownership. When you purchase shares in a company—whether publicly traded or private—you become a partial owner.If you owned a small business and that business engaged in unethical practices, it would reflect on you. The same principle applies to publicly traded companies. As shareholders, we are tied to the actions and values of the companies we invest in.Objection 2: “What difference can I make? These companies are too big.”Some argue that individual investors cannot influence large corporations. However, history shows that even a small percentage of engaged investors can shape corporate values—just like voting in an election, where small margins can determine the outcome.Through shareholder engagement, faith-driven investors can influence corporate decision-making. Large companies respond to shareholder resolutions, and when values-aligned investors unite, they can steer businesses toward ethical practices.Objection 3: “Faith-based investing means I’ll underperform financially.”A common concern is that limiting investment choices to faith-aligned companies will lead to lower returns. However, research suggests otherwise.Companies with strong ethical foundations—those that treat employees well, operate with integrity, and provide valuable goods and services—tend to outperform over the long term. Businesses that exploit customers or employees may see short-term gains but often struggle in the long run. Faith-based investing is not just morally sound—it’s also financially strategic.The Three Benefits of Faith-Based Investing 1. Integrity: Investing with a Clear ConscienceThe foundation of faith-based investing is the principle of loving our neighbor. Jesus taught us to treat others as we want to be treated (Luke 6:31), and this applies to business and investing as well.Proverbs 1 warns against pursuing “ill-gotten gain,” or wealth that exploits others. Many mainstream funds include companies engaged in tobacco, gambling, and unethical labor practices.Investing with integrity means choosing companies that:Provide valuable goods and servicesTreat employees fairlyOperate with transparency and ethical leadershipBusiness should be about supplying goods and services—not exploiting people. Faith-based investing ensures that we support businesses that contribute to human flourishing.2. Impact: The Power of Faith-Driven InvestorsOne of the most compelling reasons for faith-based investing is the ability to make a real impact. History provides powerful examples of how Christian investors have shaped industries and social policies.A notable case is the role of Christian investors in ending apartheid in South Africa. In the 1970s, a group of faith-driven investors partnered with Reverend Leon Sullivan to pressure corporations like Ford and General Motors to implement anti-apartheid policies within their workplaces. These shareholder resolutions sparked a domino effect, leading other companies to follow suit.This example demonstrates that investors—when united and strategic—can drive significant cultural and ethical change. Today, faith-driven investors have opportunities to:Encourage companies to uphold biblical values in business operationsAvoid investing in industries that profit from addiction, exploitation, or human sufferingPromote corporate social responsibility by engaging in shareholder activism3. Performance: Ethical Investing Can Lead to Strong ReturnsMany assume that avoiding certain industries—such as gambling, pornography, or companies that oppose Christian values—means sacrificing returns. However, data suggests that companies with strong ethical principles actually perform better over time.Most investors define total return as:Share price return + dividend returnHowever, a biblical perspective expands total return to include:Financial return + integrity + impactInvesting in companies that operate with integrity and long-term vision leads to sustainable growth and reduced risk. Ethical companies that treat employees well, focus on quality products, and manage resources wisely often outperform businesses prioritizing short-term profits over long-term stability.How to Get Started with Faith-Based InvestingFor many believers, the idea of faith-aligned investing is a brand-new concept. They strive to honor God in spending, giving, and career choices, but they haven’t considered how their investments align with their faith.Here’s how to begin:Use screening tools—Many financial platforms provide tools to evaluate how investments align with Christian values. Work with faith-driven investment professionals—Christian financial advisors and fund managers can guide you toward biblically responsible portfolios. You can find a Certified Kingdom Advisor (CKA) when you go to FaithFi.com and click "Find a Professional." Explore faith-based funds—Several firms specialize in faith-aligned investments. Eventide is one of many great options available. To find a complete list of faith-based investment funds and companies, visit faithandinvesting.com/faithfi.  Pray for wisdom—Ask God to guide your financial decisions, ensuring that your investments honor Him and advance His kingdom.Faith-based investing is more than a financial strategy—it’s a movement. As more believers align their financial decisions with their faith, they contribute to a marketplace that reflects God’s heart for justice, integrity, and human flourishing.When investors choose integrity, prioritize impact, and trust that God honors ethical investing, they participate in kingdom work that extends beyond their own lifetime.If you’re ready to take the next step, learn more at EventideFunds.com. Faith-based investing isn’t just about returns—it’s about stewardship that glorifies God and blesses others.On Today’s Program, Rob Answers Listener Questions:My wife and I inherited a house from a family member, and it's out of state. We would like to keep it and use it for friends and family, but we don't want to rent it out. What are your thoughts on this situation?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineEventide Asset ManagementWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

There’s a saying, “The best time to plant a tree is right now.” Does that logic apply to inheritances?Well, it might in some cases. In other words, is there a benefit to giving your kids an early inheritance? And how exactly would you do that? Harlan Accola joins us today to talk about how a reverse mortgage can accomplish that.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. Understanding a Home Equity Conversion Mortgage (HECM)Reverse mortgages have evolved significantly over the years, offering new opportunities for financial planning in retirement. A Home Equity Conversion Mortgage (HECM), often referred to simply as a reverse mortgage, is an FHA-insured loan that allows homeowners to convert part of their home equity into cash while still maintaining ownership.Unlike some traditional reverse mortgages of the past, a HECM is non-recourse, meaning borrowers will never owe more than the home’s value, and the loan cannot be called due as long as they continue to pay property taxes and insurance and live in the home. The equity remains with the homeowner and their heirs, with the only change being the portion that is used. Another advantage? The proceeds are tax-free, making it a useful tool for financial planning.The Role of Reverse Mortgages in Retirement PlanningWhile many people focus on eliminating debt entirely in retirement, a reverse mortgage can serve as a strategic financial asset rather than simply a last resort. Many retirees overlook the potential of their home equity as part of their financial portfolio. Instead of just passing a home down to heirs, a reverse mortgage allows parents to leverage their equity while living, providing financial assistance to their children and grandchildren when they need it most.Giving an Early Inheritance: Why It Makes SenseOne of the most meaningful ways to use a reverse mortgage is to give an early inheritance—sharing wealth with children or grandchildren while still being alive to witness its impact. As Ron Blue famously said, “Do your giving while you’re living so you’re knowing where it’s going.”Biblical wisdom teaches that wealth should be passed along with wisdom, guiding the next generation not only in how to manage money but also in understanding generosity and stewardship. Many parents already do this when their children are young—teaching them to give, save, and spend wisely. But what about when they are adults? A reverse mortgage provides an opportunity to continue that guidance by offering financial assistance at a time when it may be most needed.How an Early Inheritance Can HelpHere are some practical ways a reverse mortgage can be used to bless children and grandchildren:1. Helping with a Down Payment on a HomeWith rising housing prices and interest rates, many younger adults struggle to afford a home. Parents can use their home equity to provide a down payment for their children, reducing the amount they need to borrow and making homeownership more affordable.2. Funding Private Christian EducationMany families prioritize faith-based education, but tuition costs can be a burden. A reverse mortgage can help cover private school tuition for grandchildren, ensuring they receive a strong biblical foundation in their education.3. Supporting Family Mission Trips or VacationsShared experiences can create lasting memories and strengthen family bonds. Whether it’s funding a mission trip or a multi-generational vacation, using home equity can allow families to invest in relationships and spiritual growth together.Are There Risks to Using a Reverse Mortgage for an Early Inheritance?Like any financial tool, a reverse mortgage should be part of a well-thought-out plan. Here are a few key considerations:Ensure Long-Term Financial Stability—Before giving away wealth, make sure your own financial needs are met, including healthcare and living expenses. Plan for Healthcare Costs—Unexpected medical expenses can arise, so long-term care planning is essential before using home equity for other purposes. Use Funds Wisely—An early inheritance should be given with intentionality, not just as a financial gift, but as an opportunity to teach stewardship and align with biblical principles.Making the Right DecisionIf you’re considering a reverse mortgage as part of your financial plan, here are a few steps to ensure you’re making a wise choice:Work with a Trusted Christian Advisor—Seek guidance from a financial professional who understands both biblical principles and financial wisdom. That's why we recommend working with a Certified Kingdom Advisor (CKA), which you can find at FaithFi.com. Just click "Find a Professional." Pray About It—Ask God for wisdom to determine how this decision fits into His plans for your life and your family’s future. Evaluate Your Goals—Consider how a reverse mortgage aligns with your long-term financial and spiritual priorities.By planning wisely and giving generously, you can leave a legacy of faith and financial stewardship that impacts generations to come.For those interested in exploring whether a reverse mortgage is a good option for their retirement plan, the team at Movement Mortgage can provide guidance. Learn more at movement.com/faith.On Today’s Program, Rob Answers Listener Questions:Is it ideal for a husband and wife to share the same checking account, and how do we manage such to avoid conflict?I have a debt of about $4,300. I’ve been considering if I should get a balance transfer on a new card or take out a loan from my 401(k).My sister is 76 with disabilities, and I have her power of attorney. Medical facilities have had data breaches, so I was trying to freeze her credit. She's never had credit - do I need to freeze it, or can I leave it?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineMovement MortgageChristian Credit CounselorsMoney and Marriage God's Way by Howard DaytonAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"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 16:26In that verse, Jesus is speaking to His disciples, teaching them about the cost of discipleship and the value of the soul in contrast to worldly gains. The question remains: is there a spiritual cost to achieving financial success? John Rinehart joins us today to talk about it.John Rinehart is the co-founder of Gospel Patrons, an international organization dedicated to inspiring a generation of business professionals to fulfill their God-given callings. He is also the author of Gospel Patrons: People Whose Generosity Changed The World and 31 Gospel Patrons.The Hidden Danger of WealthFinancial success is often seen as a blessing, and rightly so—Scripture tells us that God gives both riches and poverty according to His sovereign will. We see many wealthy individuals throughout the Bible who were faithful followers of God. However, Jesus frequently warned His disciples about the dangers of wealth.In today’s world, success is often equated with financial prosperity, but Jesus made it clear: “You cannot serve both God and money” (Matthew 6:24). The culture around us idolizes wealth, comfort, and possessions, making it easy to fall into a cycle where financial gain becomes the ultimate goal. This cycle can lead us away from God rather than toward Him if we are not careful.The Toxic Cycle of SuccessMany people approach work as a means to an end—a way to earn money so they can rest, enjoy life, and feel secure. This mindset, however, is not where the Bible starts. Instead, when we strive for success without keeping God at the center, we often fall into a dangerous pattern:We Work Hard and Prosper—Hard work leads to financial gain, which is a good thing.We Enjoy Comfort and Security—As success grows, we begin to rely on wealth rather than on God.We Forget God—The more prosperous we become, the easier it is to take credit for our success.We Fall into Sin—As self-reliance replaces trust in God, spiritual priorities take a back seat.This cycle is clearly seen in the Parable of the Rich Fool (Luke 12:16-21). Jesus describes a man who builds bigger barns to store his wealth, thinking he has secured his future. But God calls him a fool because he was not “rich toward God.”Forgetting the Source of Our WealthThe warning from Deuteronomy 8:18 is as relevant today as it was for Israel:“You may say to yourself, ‘My power and the strength of my hands have produced this wealth for me.’ But remember the Lord your God, for it is he who gives you the ability to produce wealth.”After 40 years in the wilderness, Israel stood at the edge of the Promised Land, facing a new challenge—not scarcity, but abundance. Moses warned them that prosperity could be more spiritually dangerous than hardship if they forgot the God who provided for them.Likewise, in our financial success, we must remember that wealth is not ours—it belongs to God. If we forget this, we risk placing our trust in material security rather than in Him.The Virtuous Cycle of SuccessSo, how can we succeed financially without failing spiritually? We must shift from a toxic cycle to a virtuous cycle—one that aligns with God’s design. Instead of working for wealth and rest, we should begin with resting in God.1. Start with RestGod commands rest through the Sabbath, showing that we are not slaves to work. Taking time to worship, study Scripture, and be in community with other believers reorients our hearts toward God.2. Work as WorshipWhen we see work as a way to glorify God rather than just a means to make money, our labor takes on new meaning. We use our talents and skills to serve others and fulfill the good works God has prepared for us.3. Recognize God’s ProvisionSuccess is not merely the result of our hard work—it is a blessing from God. Deuteronomy 8:18 reminds us that even the ability to create wealth comes from Him.4. Practice Radical GenerosityUnderstanding that our wealth belongs to God transforms how we use it. Instead of hoarding, we become generous stewards, using resources to care for the poor, support the gospel, and advance God’s kingdom.5. Rejoice in Eternal ImpactWhen our work and wealth contribute to God’s mission, our joy increases. We see our daily efforts as part of something bigger—something eternal.A Call to Purposeful LivingIf you are successful in your career, know that your work matters to God. You are not second-class in His kingdom. When you connect your success to His mission and live generously, you experience the greatest joy.Let’s not fall into the trap of forgetting God in our prosperity. Instead, let’s embrace a virtuous cycle of success—one where work is worship, wealth is stewardship, and generosity fuels the kingdom of God.For more insights, visit Gospel Patrons and explore the stories of those who have used their success for God’s glory.On Today’s Program, Rob Answers Listener Questions:Should we rent out our paid-off home when we retire and move closer to family, or should we sell it instead?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineGospel PatronsGospel Patrons: People Whose Generosity Changed The World by John RinehartWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

"His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’” — Matthew 25:21Those are the words every believer longs to hear. That’s why it’s important to regularly reflect on how we’re stewarding the resources God has entrusted to us. Today, Rachel McDonough joins us to share three key Scriptures and prayers to help guide us in faithful stewardship.Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor.These passages reveal that what seems wise from a financial standpoint may sometimes be wasteful in God’s eyes, and what appears to be wasteful may, in fact, be an act of deep wisdom. True stewardship isn’t just about following formulas—it’s about surrendering our hearts to God.1. The Woman Who Anointed Jesus: Extravagant WorshipOur first passage comes from a well-known story found in all four Gospels—the woman who anointed Jesus.Jesus was at a dinner party when a woman entered and broke a bottle of expensive perfume, pouring it over Him in an act of extravagant worship. The disciples were outraged, arguing that the perfume should have been sold and the money given to the poor. Yet, Jesus saw it differently. He recognized her act as a prophetic preparation for His burial, honoring her sacrifice.From a financial perspective, this act seemed irresponsible—her life savings were gone instantly. But in God’s economy, radical, sold-out worship is never wasted. When Jesus becomes our ultimate treasure, we position ourselves to live in step with His divine purposes.A Prayer for Worshipful Stewardship"God, give us eyes to see that the true treasure is You, not wealth. Help us to pour out extravagant worship at the feet of Jesus, holding nothing back. Teach us to move beyond routine generosity and embrace radical worship. Align our hearts with the rhythms of heaven so that we are available for Your purposes in every kairos moment. Amen."2. The Prodigal Son’s Father: A Heart for People, Not Just MoneyWe often focus on the prodigal son in Jesus’ parable, but what if we shift our attention to the father?When the younger son demanded his inheritance and squandered it, the father allowed him to make a major financial mistake. From a worldly perspective, this decision was both unwise and unfair—especially to the older, responsible son. But the father’s actions reflected God’s heart, showing that relationships matter more than wealth.As stewards, we often want to control how money is used, especially when passing wealth to the next generation. Yet, God’s example shows that our trust should be in Him, not in financial security. Just as Jesus entrusted the moneybag to Judas despite knowing his character, we, too, must release control and trust God to work in our children’s lives.A Prayer for Generational Stewardship"Father God, help us see that real value is found in people, not money. Teach us to cherish and train up the next generation, knowing that they can do far more for Your Kingdom than our wealth ever could. Free us from the fear that leads to control, and fill us with faith that You are the true provider. May Your blessing extend for a thousand generations, shaping hearts that desire to serve You. Amen."3. The Rich Fool: Avoiding Self-Reliance in WealthJesus’ parable of the rich fool (Luke 12) warns against the dangers of hoarding wealth without consulting God. When a farmer received an abundant harvest, he decided to build bigger barns to store it all rather than seek God’s guidance. He assumed financial security equated to a long, worry-free life. But God called him a fool because his soul would be required of him that very night.When we experience financial blessings, our first instinct is often to protect and preserve. But stewardship isn’t about accumulation or self-reliance—it’s about trusting God and using our resources for His Kingdom. Wealth must never replace God as our source of security.A Prayer for Humble Stewardship"God, help us to see that the purpose of stewardship is not self-preservation or accumulation. You alone are our provider. Protect our hearts from the deceitfulness of wealth, which falsely promises security and significance. When money tempts us to rely on ourselves—teach us to unclench our fists and give freely. May our generosity reflect our trust in You, and may we cherish what You cherish—loving relationships and eternal Kingdom impact. Amen."True Stewardship Reflects God's HeartStewardship is not just about wise money management—it’s about reflecting God’s character in the way we handle wealth. When our abundance is found in Christ, generosity flows naturally from a grateful heart.As Proverbs 21:5 reminds us:"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."Let us be diligent in our stewardship but also faithful in seeking God's purpose. May our financial decisions flow from a heart that treasures God above all else.For more insights on biblical stewardship from Rachel McDonough, visit WealthSq.com.On Today’s Program, Rob Answers Listener Questions:I received $17,000 unexpectedly and wanted to put it in CDs, but my bank no longer offers those high rates. I saw someone on TV suggest looking for high-interest savings accounts, but I'm unsure about using online banks. What would you advise?I'm 65 and taking $2,100 per month from a Jackson fund. I'm putting $900 back into a growth fund, but I'm using the extra $1,100 to help my family. Should I put all $2,100 back into the growth fund instead of enjoying it now, or would that take away from my kids' inheritance later?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazineChristian Community Credit Union (CCCU)WealthSq.comBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Did you hear about the guy who owned last year’s top-performing funds? Yeah, it's too bad he bought them this year, though.There’s a lot of evidence to suggest that buying and holding index funds will pay off in the long run. Benji Bailey joins us today to make the case with some impressive numbers.Benji Bailey is Vice President of Investments and Senior Fixed Income Manager at Praxis Mutual Funds, an underwriter of Faith & Finance.The Importance of Indexes in InvestingTo understand index funds, we can view them like guideposts in a national park. Just as signs direct visitors to scenic views and help them stay on the right path, indexes serve as essential benchmarks for investors. These benchmarks, such as the S&P 500 for large-cap stocks or the Bloomberg Aggregate for bonds, allow investors to measure their progress toward financial goals.Without these guideposts, investors risk straying off course, possibly realizing too late that their portfolio has been heading in the wrong direction. Publicly available indexes provide a crucial check-in, ensuring investments align with long-term objectives.Many investors believe they can outperform the market by actively trading stocks. However, research suggests otherwise. A study published in The Journal of Finance found that individuals who frequently traded stocks underperformed compared to those who traded less.Over a six-year period:The market returned approximately 18% annually.Less active traders saw returns of around 16.4%.The most active traders only achieved 11.4%, underperforming by over 6%.This trend highlights the dangers of excessive trading. Warren Buffett summarized it well: “The stock market is designed to transfer money from the active to the patient.” The Bible echoes this wisdom in Proverbs 13:11: “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”Active vs. Passive Mutual FundsA key distinction in investing is the difference between active and passive mutual funds:Active funds: Managed by professionals who handpick a smaller set of stocks, hoping to outperform the market.Passive funds: Designed to mirror an index, holding a broad range of stocks for stable, long-term growth.According to Morningstar, over the past 15 years, only 9% of actively managed large-cap funds outperformed their passive counterparts—meaning 91% of active funds underperformed. This data suggests that passive investing can be a more reliable strategy for many investors.Aligning Investments with Faith ValuesMany faith-driven investors worry that traditional index funds may include companies whose values don’t align with their beliefs. Praxis Mutual Funds addresses this concern by screening out companies involved in industries such as:AlcoholTobaccoGamblingAbortion-related businessesHowever, the more companies an investor removes from an index, the greater the potential for volatility in returns. For example, removing just one company from the S&P 500 would have little impact, but excluding half of the index’s stocks would significantly increase volatility.Praxis Mutual Funds utilizes an optimized equity index strategy to balance faith-based values with financial performance. Instead of replicating an index, Praxis screens out objectionable companies and uses a software-driven approach to reallocate funds into a diversified mix that closely tracks the market’s performance.This method allows faith-based investors to remain aligned with their values without sacrificing reasonable returns.The Role of Patience in InvestingMarket volatility can make investing an emotional challenge. Many investors instinctively buy when the market is high and sell when it’s low—precisely the opposite of what leads to long-term success.Historical data shows that the S&P 500 has had an average annual return of around 10% over the past 97 years, but actual yearly returns rarely fall near that average. Investors who stay the course and focus on long-term gains are more likely to benefit from market growth.The Bible encourages this patient approach in Ecclesiastes 11:2: “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” Diversification and patience are essential principles for wise investing.Making a Positive Impact Through InvestingBeyond screening out specific companies, Praxis Mutual Funds takes an active role in making a positive impact through:Proxy voting: Ensuring shareholder influence aligns with faith values.Shareholder engagement: Advocating for ethical corporate practices.Community development investing: Allocating 1% of funds to microfinance and social impact projects.Faith-based investing is about more than avoiding harmful industries; it’s also about using investment dollars to create meaningful, Christ-centered change in the world. Whether through index funds or faith-based investment strategies, the goal is to align financial decisions with biblical principles.As Proverbs 21:5 reminds us: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” A well-planned investment strategy, guided by faith and patience, can lead to lasting financial fruitfulness.For those interested in learning more about faith-based investing, Praxis Mutual Funds provides a wealth of information at PraxisInvests.com.On Today’s Program, Rob Answers Listener Questions:As the executor of my deceased relative's estate, do I need to report my role to FinCEN, similar to reporting the controlling party of a company?I'm 85, and I draw Social Security. I used to do side jobs, and when I filed my taxes because of the side jobs, my CPA told me I don't need to file taxes anymore since I'm on Social Security. Now I'm hearing they're talking about cutting taxes on Social Security, so I'm confused. Do I still need to file taxes if Social Security is my only income?Resources Mentioned:Faithful Steward: FaithFi’s New Quarterly MagazinePraxis Mutual FundsNeither Poverty nor Riches: A Biblical Theology of Possessions (Volume 7) (New Studies in Biblical Theology) by Dr. Craig BlombergWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.