Faith & Finance

A growing number of Christians are asking not just how to invest, but whether their investments reflect what they believe. For many believers, investing has often been treated as a purely financial activity—something focused on returns, risk, diversification, and retirement goals. But what if investing is also deeply connected to our faith and calling? Luke Bolton, Executive for Strategic Relationships at Kingdom Advisors and co-author of the upcoming book, The Theology of Investing: A Biblical Perspective for Contemporary Investors, joins us on the show today to say that this is ultimately about more than financial strategy. It is about theology—what we believe about God, money, stewardship, and the world He created. Why a Theology of Investing Matters Most Christians encounter investing at some point, whether through a workplace retirement plan, an IRA, a brokerage account, or a conversation with a financial advisor. But many have never paused to ask a deeper question: What does my faith have to say about this? For Bolton, the answer begins with the lordship of Christ. If we confess that Jesus is Lord, then He is Lord over everything—including our money, savings, and investments. Colossians 3:17 says, “And whatever you do, in word or deed, do everything in the name of the Lord Jesus.” That “everything” includes how we invest. This does not mean every Christian will make the exact same investing decisions. But it does mean investing should not be placed in a separate category outside discipleship. Our portfolios, like every other part of life, should be brought under the wisdom and purposes of God. Investing Begins in the Heart A biblical approach to investing starts with what is happening internally. Are we trusting God, or are we trusting the markets? Are we investing out of wisdom and stewardship, or anxiety and fear? Are we content and grateful, or driven by comparison and accumulation? Those heart-level questions matter because financial decisions are never purely financial. They reveal what we value, what we fear, and where we place our hope. Scripture repeatedly reminds us not to put our ultimate confidence in wealth, which is uncertain, but in God, who richly provides. That perspective changes the way we think about return, risk, security, and purpose. Investing Also Has an Outward Expression Faith-based investing is not only about the heart, though. It also shapes outward decisions. Bolton explained that over the last 20 to 30 years, a growing number of Christians have begun taking meaningful action through their investments in three key ways. Some seek to avoid investments that conflict with their faith. Others look for opportunities to use their influence as investors for good. Still others seek investments that actively align with God’s heart for human flourishing and the good of His world. In other words, faith-based investing can move beyond simply asking, “What should I avoid?” It can also ask, “What good can my investments help accomplish?” Seeking the Welfare of the World Jeremiah 29:7 says, “Seek the welfare of the city where I have sent you…for in its welfare you will find your welfare.” Galatians 6:10 adds, “As we have opportunity, let us do good to everyone, and especially to those who are of the household of faith.” Those passages help frame investing as an opportunity. Capital can be deployed in ways that contribute to human flourishing, support productive work, and reflect God’s concern for the world He made. That does not remove the need for careful financial analysis. Investors still need wisdom, diversification, and sound counsel. But it does add another layer of due diligence: How might this investment reflect God’s character, purposes, and mission? Where to Begin For someone who wants to move in this direction, Bolton suggested a few simple first steps. Start by learning more about investing from a biblical worldview. Then take time to understand what you already own. Many...

What if investing could be about more than performance? What if it could also be about purpose? For many believers, stewardship does not stop with earning, giving, saving, or spending. It also includes asking whether the companies we invest in reflect the values we profess. And as more Christians think carefully about their portfolios, faith-based investing tools are making that conversation more practical than ever. Mike Schnackenberg, Head of Distribution at Eventide Asset Management, joins the show today to discuss the rise of faith-based ETFs and how investors can align their portfolios with their convictions while honoring God and serving the common good. What Is an ETF? ETF stands for exchange-traded fund. Simply put, an ETF is an investment vehicle that can hold multiple stocks or bonds under one ticker symbol. That gives investors a convenient way to diversify. Instead of purchasing shares of dozens—or even hundreds—of individual companies, an investor can gain exposure to many holdings through a single investment. ETFs also trade on exchanges like stocks, which means they can be bought and sold throughout the trading day. Many also provide transparency, giving investors visibility into the companies or holdings inside the fund. For years, many people associated ETFs mainly with passive investing—funds that simply track a broad market index. But that has been changing. More active strategies are now being offered through ETFs as well, partly because of the accessibility, transparency, and tax efficiency the structure can provide. Is Passive Investing Really Neutral? One of the most important questions for Christian investors is whether passive investing is truly neutral. At first glance, it may seem that way. If an investor is simply tracking an index, it can feel like they are not making an active ethical choice. But from a biblical stewardship perspective, every investment decision carries moral weight because investing involves ownership. Even if someone owns only a small percentage of a large company, that investor still has a connection to the company’s products, practices, profits, and impact. If we benefit from a company’s success, then it is worth asking whether that success comes through work that contributes to human flourishing—or work that harms our neighbors. That is why faith-based investing begins with a deeper question: What kind of impact do I want my investments to have? Investing Is Ownership For believers, stewardship is not limited to giving, budgeting, or avoiding debt. It also includes investing. If God owns everything, then the money we invest is also entrusted to us by Him. That means our portfolios should not be disconnected from our discipleship. A broad market index may include companies involved in industries or practices many Christians would find troubling—areas connected to addiction, exploitation, the destruction of life, or other harms to human flourishing. Faith-based investing seeks to avoid those problematic areas while also identifying companies whose products and practices serve people well. The goal is not merely to avoid what is harmful. It is also to pursue what is good. The Awareness Gap One of the biggest challenges is that many Christians simply do not know that faith-based investing options are available. They may assume their only choices are traditional index funds, mutual funds, or ETFs that make no distinction between companies based on values or business practices. But the faith-based investing space has grown, giving investors more opportunities to pursue financial goals while also seeking values alignment. For many believers, the first step is simply awareness: learning what they currently own and understanding what companies or industries may already be represented in their portfolio. That discovery process can be eye-opening. Many investors find that familiar funds or indexes include exposure to businesses they would not knowingly...

Unexpected wealth can feel like a blessing, but without wisdom, it can quickly become a burden. A sudden financial gain, a large inheritance, a life insurance payout, or the sale of a business can change your circumstances overnight. But what you do next matters far more than what you’ve received. When a financial windfall comes into our lives, it rarely arrives in a vacuum. Often, it is tied to loss. A loved one has passed away, leaving behind assets along with grief. Or it may come after years of effort, when a business finally sells, or an investment pays off. In those moments, emotions can run high. There may be gratitude, relief, and even excitement. But there may also be uncertainty, pressure, and fear. That’s why the first step is not financial at all. It is spiritual. Remember Who Owns It All In 1 Chronicles 29:14, David prays, “For all things come from you, and of your own have we given you.” That is a simple but powerful reminder: whatever we receive ultimately belongs to God. That truth changes everything. Receiving a windfall may feel deeply personal, but it is ultimately part of God’s provision and His purposes. And when that wealth represents the life’s work of someone else, it should lead us to humility. So the first step is simple, but not always easy: pause. Before making major decisions, take time to pray, reflect, and remember that this is not merely money to manage. It is a stewardship entrusted to you by God. Guard Your Heart Sudden wealth can subtly reshape our hearts if we are not paying attention. It can shift our sense of security, our priorities, and even our identity. What once felt like dependence on God can slowly drift toward self-reliance if we are not anchored in truth. That is why this moment matters spiritually. Ecclesiastes 7:11 says, “Wisdom is good with an inheritance, an advantage to those who see the sun.” Notice that inheritance and wisdom are meant to go together. Wealth without wisdom is dangerous. But wealth guided by wisdom can become a powerful tool for good. Give yourself time to think, pray, and seek counsel before making any major moves. Understand What You Have Received From there, the next step is to understand what you have actually received, because not all wealth is the same. If you received a life insurance payout, it may have come during a season of grief, which makes wise decision-making even more important. Those funds are often income-tax-free, but that does not mean the decisions are simple. It can be tempting to act quickly in an emotional moment, but this is a time to slow down and prayerfully consider how those resources can provide stability, meet immediate needs, and reflect the values of the one who provided them. If you inherited a retirement account, such as an IRA, there are often specific rules to follow. In many cases, the account must be retitled as an inherited IRA, and the funds may need to be distributed within a certain timeframe, often within 10 years, depending on your situation and your relationship to the original account holder. If you sold a business, what was once tied up in years of hard work may now be sitting in cash. That can feel both freeing and overwhelming. A sale like this may trigger significant capital gains taxes, so it is important to understand what you owe and when. Beyond that, this is a moment to think carefully about what comes next. You do not have to rush into new investments or big decisions. Take time to evaluate your long-term needs and consider how this transition can align your resources and your next season of life with God’s purposes. And if you inherited property, there may be an opportunity, but also complexity. In many cases, the tax basis is adjusted to the property’s value at the time you inherit it, which can significantly reduce or even eliminate capital gains if you sell relatively soon. But the right decision depends on your full financial picture, your goals, and your family's...

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” - 2 Timothy 1:5 As Mother’s Day approaches, that verse offers a beautiful reminder: the influence of a faithful mother often reaches farther than we can see. Through daily acts of love, sacrifice, prayer, and perseverance, mothers shape hearts, homes, and generations. Their work is not always loud or publicly celebrated, but it is deeply significant. Many of the values we carry, the lessons we live by, and even our understanding of God’s care have been formed through the steady presence of a mother or mother figure in our lives. The Hidden Work Mothers Carry Most of the time, when we think about the contribution of mothers, we think of things money could never measure—love, compassion, wisdom, patience, and strength. Still, it can be eye-opening to consider the sheer amount of work mothers carry each day. According to Salary.com’s annual survey, working moms put in an average of 54 hours each week managing their households on top of their professional responsibilities. For stay-at-home moms, the workload can resemble 15-hour days, seven days a week. That work often includes serving as chef, teacher, nurse, counselor, scheduler, chauffeur, financial manager, and conflict negotiator—sometimes all before lunch. Salary.com estimated that if a mother were paid for all the roles she fills, the annual base salary would exceed $200,000. When bonuses, overtime, and other “premium pay” are added, the total could rise above $250,000. Those numbers may catch our attention, but they still do not tell the full story. Her Worth Cannot Be Measured Even the highest estimate falls short of what mothers truly provide. Why? Because the most meaningful things a mother offers cannot be bought. She gives comfort in moments of fear, wisdom in seasons of confusion, encouragement when confidence is low, and love that remains steady through every stage of life. For many, a mother’s care becomes one of the clearest early reflections of God’s tenderness and faithfulness. That is why Scripture calls us not merely to acknowledge mothers, but to honor them. Honor with Words Proverbs 31:28 paints a beautiful picture of gratitude in action: “Her children rise up and call her blessed; her husband also, and he praises her.” Notice that this family does not simply feel thankful—they express it. One of the simplest and most powerful ways to honor your mother is to tell her what she means to you. Thank her for the sacrifices she made, the prayers she prayed, and the ways she loved and served, even when no one else noticed. Words of gratitude can become a gift that lingers long after Mother’s Day has passed. Honor with Care As mothers grow older, honoring them often takes on a new form. It becomes practical, intentional care. That may mean helping financially, assisting with daily needs, offering emotional support, or simply giving the gift of your time and presence. Jesus addressed this in Mark 7:10–13 when He rebuked those who used religious excuses to avoid caring for their parents. Their outward devotion masked inward selfishness. Christ made it clear that genuine love for God is never separated from love for people—especially those within our own families. Honoring a mother is not confined to a holiday. It is a lifestyle of gratitude, responsibility, and love. A Legacy That Lasts Forever This Mother’s Day, take time to celebrate the women who have shaped your life—your mother, your wife, your grandmother, or perhaps a spiritual mother who has walked beside you in faith. Let her know she is seen. Let her know she is loved. Let her know her work matters. Because when a mother faithfully serves her family, prays for her children, and passes on her faith, she is doing more than building a home. She is shaping eternity. Mother’s Day is more than a date on the calendar. It is an...

Is it possible to help your adult children in a way that actually keeps them from growing? It’s a difficult question, but an important one. Many parents want to support their children well, especially when their children face setbacks, financial stress, or uncertain times. Yet the way we offer help can shape not only their circumstances, but also their character. The goal isn’t simply to make life easier. It’s to help in ways that strengthen them rather than sideline them. When Love Needs Wisdom For many parents, this is a tender place to stand. You love your children deeply. You want to see them flourish. And when they struggle, every instinct says, Step in and fix it. That instinct often comes from a good place. But even good instincts need wisdom. Consider a baby bird hatching from its shell. It may seem compassionate to help it break free, but if you intervene too soon, the bird may not survive. The struggle of pushing through the shell is essential. It develops the strength and coordination needed for life outside the egg. The struggle isn’t the problem. It’s part of the preparation. In the same way, when we remove every difficulty from our children’s lives, we may step in at the very moment when growth is meant to happen. When Support Slowly Becomes Dependence Most parental help begins with simple acts of care: None of these is inherently wrong. In many cases, they are loving and appropriate responses. But over time, those moments can accumulate. And eventually the question changes from How can I help? to Is this actually helping? Are you helping them move forward—or delaying lessons they need to learn? Are you offering support—or carrying responsibilities that now belong to them? That tension is real, and one of the hardest parts of parenting adult children is knowing when to step back. Support in Ways That Move Them Forward Healthy support should encourage progress, not prolong immaturity. This is an act of stewardship—not only of your resources, but of their formation. The goal is not to eliminate every hardship. Often, maturity takes root in the soil of challenge. Consider tying support to clear next steps, such as: Support like this doesn’t replace responsibility. It reinforces it. An adult child living at home is not automatically a sign of failure. Throughout history, including biblical times, multigenerational living was common and remains normal in many cultures today. The better question is not Where are they living? But are they growing in responsibility? Are they contributing? Learning? Planning? Taking steps toward independence? Those are the indicators that matter most. Burdens and Loads: Knowing the Difference Scripture offers a helpful framework for discerning when to step in and when to step back. Galatians 6:2 says, “Bear one another’s burdens.” Yet Galatians 6:5 says, “For each will have to bear his own load.” So which is it? The answer is both. A burden is something too heavy to carry alone—a crisis, deep hardship, or overwhelming circumstance. A load is the ordinary responsibility each person is meant to carry—daily choices, obligations, and personal stewardship. This distinction is helpfully explained in Boundaries by Henry Cloud and John Townsend. They note that healthy relationships require clarity about what belongs to us and what belongs to someone else. Wisdom is knowing the difference. When parents consistently carry what belongs to their adult children, they may relieve pressure in the moment—but unintentionally prevent the growth that responsibility can produce. Protect Your Marriage and Financial Foundation Before offering significant financial help, it’s wise to pause and talk with your spouse. Pray together. Discuss what you can realistically give, what you cannot sustain, and what patterns you want to avoid. Unity matters. So does financial stability. Just as flight attendants remind passengers to secure their own oxygen mask first, you need to protect...

Economic headlines can rattle our confidence. Markets fluctuate, layoffs make news, and inflation or recession fears can create a sense of instability. When uncertainty rises, fear often follows—and fear can drive financial decisions we later regret. But while the economy changes, God’s wisdom does not. Scripture offers steady guidance that helps us respond with clarity instead of anxiety. In today’s conversation, financial teacher, author, and co-founder of Kingdom Advisors, Ron Blue, shared with us timeless principles for navigating uncertain times with confidence rooted in the Lord. Why Financial Uncertainty Creates Anxiety According to Ron Blue, much of our financial stress comes down to one word: uncertainty. When people feel like circumstances are outside their control, anxiety often increases. Daily headlines about markets, job losses, or global instability can make us feel like something urgent must be done immediately. That pressure can lead to emotional rather than wise decision-making. Rather than acting from fear, believers are invited to remember that while circumstances may shift, God remains faithful. As Scripture reminds us: “Jesus Christ is the same yesterday and today and forever.” (Hebrews 13:8) One of the greatest ways to reduce fear is to have a plan. Without a plan, every headline can push us into reaction mode. We may feel tempted to sell investments too quickly, take on debt to maintain our lifestyle, or abandon long-term goals because of short-term concerns. But when we follow wise, biblical principles, we gain perspective. We can step back, think clearly, and make decisions based on truth rather than emotion. A plan does not remove every challenge, but it provides direction when emotions run high. Four Timeless Financial Principles Ron Blue highlighted four foundational principles that remain effective in both strong economies and difficult ones. 1. Think Long Term Financial decisions should be guided by long-term goals, not short-term fear. Temporary headlines should not determine permanent strategies. Patience and perspective are essential parts of wise stewardship. 2. Spend Less Than You Earn This is one of the most foundational financial principles. Living below your means creates margin, flexibility, and peace. When income exceeds spending, you are better positioned to save, give, and prepare for future needs. 3. Build Emergency Savings Unexpected expenses are not a matter of if, but when. An emergency fund creates liquidity when life brings surprises. Even small, consistent savings can provide stability over time. 4. Minimize Debt Debt increases financial risk by committing future income to past decisions. It can reduce flexibility and add pressure during already stressful seasons. While not all debt is the same, reducing unnecessary debt is often a wise step toward greater freedom. A Practical Step You Can Take This Week If you feel unsettled financially, start with a simple financial checkup: Start small if needed. Small steps often create momentum, and momentum builds confidence. It’s similar to using a roadmap or GPS. When you know where you’re going and how you plan to get there, the journey feels less overwhelming. Every generation has faced seasons of fear and uncertainty. Economic downturns, wars, political unrest, and personal hardship have always been part of life in a fallen world. What changes are the circumstances. What remains constant is God’s truth. His Word is still trustworthy, still relevant, and still sufficient for the challenges we face today. Where Trust Ultimately Rests A biblical view of money does more than change what we do—it transforms how we think and ultimately who we trust. Financial security is never found merely in markets, savings accounts, or headlines. True security is found in the Lord, who is our provider and guide in every season. When uncertainty comes, wise stewardship matters. But even more than that, so does...

Greek philosopher Epictetus once said, “Wealth consists not in having great possessions, but in having few wants.” That insight may be more relevant today than ever. We live in a world constantly urging us to want more, upgrade more, and pursue more. But what if that endless pursuit is costing us something far more valuable than money? What if wanting less is one of the most powerful financial decisions we can make? On today’s episode of Faith & Finance, financial coach and author Bob Lotich joined the show to discuss why contentment creates freedom—and how learning to want less can reshape our financial lives. A Better Financial Question Most people make spending decisions by asking one question: Can I afford this? That’s not a bad question—but it may not be the best one. Bob suggested a deeper question: Can I afford to want this? That shift matters because some things we own eventually begin to own us. A purchase may fit the budget, but still bring new pressures, obligations, and distractions. The issue isn’t always the price tag—it’s the grip that desire can have on our hearts. Bob shared the story of Roman general Manius Curius Dentatus. When enemies attempted to bribe him with gold and expensive gifts, they found him roasting turnips for dinner. Seeing his simple lifestyle, they realized a man content with so little could not be bought. The lesson is timeless: contentment removes leverage. When we need less, we are less vulnerable to manipulation, fear, and compromise. The fewer things we depend on for identity or security, the freer we become. How Desire Can Become a Chain Every unchecked desire can create a new chain. A larger lifestyle often requires a larger paycheck. More possessions usually mean more maintenance, more bills, and more commitments. Debt can magnify that burden even further. Scripture warns, “The borrower is slave to the lender” (Proverbs 22:7). While that may not mean literal slavery today, the principle still stands: financial obligations can reduce flexibility and limit our ability to respond when God leads us in a new direction. Bob shared the story of someone who sensed a clear call into ministry but couldn’t accept the opportunity because debt payments made the lower salary impossible. That’s more than a budgeting issue—it’s a discipleship issue. Jesus said, “You cannot serve God and money” (Matthew 6:24). That warning is not only about greed. It is also about control. Financial obligations demand time, energy, and attention. When too many of them pile up, they begin directing our choices. As Bob put it, sometimes our possessions end up possessing us. Two Very Different Responses to Wealth The Gospels give us two striking examples. The rich young ruler walked away from Jesus because he could not release his wealth (Mark 10:17–22). Zacchaeus, on the other hand, responded to an encounter with Jesus by joyfully giving away half of his possessions and making restitution to those he had wronged (Luke 19:1–10). The difference wasn’t the amount of money involved. It was the hold that money had on their hearts. The Secret of Contentment The Apostle Paul wrote: “I have learned in whatever situation I am to be content” (Philippians 4:11). Paul had experienced abundance and need. Yet his joy wasn’t tied to either one. That kind of contentment is true freedom. It means we can live faithfully in seasons of plenty or scarcity because our confidence rests in God, not in circumstances. Wanting more often begins with comparing more. Social media can intensify this struggle by putting everyone else’s highlight reel in front of us every day. It becomes easy to feel behind, dissatisfied, or pressured to keep up. One practical step Bob shared was limiting social media use. Sometimes reducing the voices shaping our desires is one of the fastest paths to peace. How to Start Wanting Less If you long for greater freedom, begin here: 1. Evaluate Your Desires. Ask what you deeply want right...

Billy Graham once said, “A checkbook is a theological document. It tells you who and what you worship.” It’s a striking statement—but an important one. Most of us make financial decisions every day without thinking much about them. We buy groceries, renew subscriptions, grab coffee, replace something that broke, or make an impulse purchase that feels harmless in the moment. These choices can seem ordinary and disconnected from our spiritual lives. But Scripture invites us to look deeper. Our spending habits often reveal more about our hearts than we realize. They can uncover what we value, what we pursue, and where we place our trust. More Than Transactions A bank statement may look like a list of numbers and purchases, but over time, it tells a story. It reflects priorities. Where our money goes often shows what matters most to us. That’s why money is never just about math—it also has a spiritual dimension. Financial decisions can expose desires, fears, habits, and hopes that might otherwise remain hidden. The prophet Isaiah asked this searching question: “Why do you spend your money for that which is not bread, and your labor for that which does not satisfy?” (Isaiah 55:2) That’s not merely a budgeting question. It’s a heart question. God is asking His people why they keep investing themselves in things that can never truly satisfy. It’s a question worth asking today as well. Jesus adds another layer in Luke 16: “If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?” (Luke 16:11) Jesus is not condemning money. He is reframing it. Money is temporary. It is a tool. But how we handle that tool reveals something deeper about our readiness to receive what truly matters. In that sense, money becomes a test of trust. Every purchase, every swipe of the card, every budgeting decision expresses something about what we love. And because of that, even everyday spending can become an opportunity for worship. Ownership vs. Stewardship The early church martyr Polycarp of Smyrna is often credited with this insight: “The world asks, What does a man own? Christ asks, How does he use it?” That gets to the heart of biblical stewardship. The question is not simply what we possess, but how we use what God has entrusted to us. Scripture consistently reminds us that everything belongs to the Lord, and we are called to manage His resources faithfully. That changes the way we think about spending. We are not merely consumers deciding what to do with “our money.” We are stewards seeking to honor God with what He has placed in our hands. A Warning from Haggai The book of Haggai gives us a vivid picture of what happens when priorities drift. After returning from exile in Babylon, the people of Israel came home to ruins. The temple—the center of worship and identity—had been destroyed. At first, they began rebuilding it. But as opposition grew and enthusiasm faded, their focus shifted. Instead of restoring God’s house, they concentrated on their own comfort, building paneled homes while the temple remained neglected. So God sent the prophet Haggai with a piercing message: “Is it a time for you yourselves to dwell in your paneled houses, while this house lies in ruins? … You have sown much, and harvested little… and he who earns wages does so to put them into a bag with holes.” (Haggai 1:4–6) Their spending reflected misplaced priorities. And the result was frustration, emptiness, and lack of satisfaction. The Same Tension Today That same dynamic can surface in our lives. When spending is driven more by comfort than conviction, we may find ourselves chasing more while enjoying less. The satisfaction we expected never quite arrives. Sometimes the issue is overspending. Other times, it’s an unwillingness to spend generously at all. If generosity feels difficult while personal indulgence comes easily, that tells a story too. If fear keeps us from open-handedness, it may reveal a...

“For everything there is a season, and a time for every matter under heaven.” - Ecclesiastes 3:1 Life moves in seasons—and with each season often comes new challenges, new opportunities, and sometimes new financial finish lines. On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to discuss why adjusting your financial finish line is not only okay—it can be wise and faithful. What Is a Financial Finish Line? A financial finish line is simply an answer to the question: How much is enough? It helps separate what we intend to use for our own needs from what we can make available for Kingdom purposes. Rather than endlessly increasing lifestyle spending or accumulating wealth without direction, a finish line provides clarity and purpose. For many people, the idea of setting a finish line can feel intimidating. It may sound final or restrictive. But Cody emphasized that a finish line is not about perfection—it is about growth. Your first finish line does not have to be your last. Why Finish Lines Need to Be Revisited Just as a financial plan should be reviewed regularly, your finish line should be revisited as life changes. There are many reasons to adjust it: These shifts may change the cost of maintaining the same lifestyle, making it wise to reassess your financial boundaries. At first glance, caps and limits can sound restrictive. But Cody shared that in practice, setting a finish line often creates freedom. Instead of constantly wondering if you need more, you begin to experience: That reflects a biblical pattern. God’s boundaries are not meant to diminish joy but to protect and deepen it. Financial limits can function the same way. Two Types of Finish Lines 1. A Lifestyle Finish Line This is the amount needed to support your current and future lifestyle. It helps determine the appropriate and sustainable level of spending. 2. A Net Worth Finish Line This is the amount of wealth you believe is wise to accumulate over your lifetime. Cody connected this idea to Luke 12 and the parable of the rich fool, who stored up more than he needed while missing the deeper purpose of his resources. The issue was not wealth itself, but accumulation without a Kingdom perspective. Three Questions to Help Define “Enough” Cody highlighted three key areas to prayerfully consider: Your Lifestyle Needs -Wealth Transfer -Conservative Margin - These categories can help shape a thoughtful and prayerful plan. If You’re Beyond Your Finish Line If you realize you are accumulating more than needed, Cody suggested asking one important question: Why am I holding on to these resources in the first place? That question can expose fear, habit, or misplaced trust—and open the door to greater generosity and purpose. Start Before You Feel Ready One of the most practical insights from the conversation was this: don’t wait until you “arrive” to become generous. Even if you have not reached your finish line, begin giving now. Build habits of generosity with what God has already entrusted to you. As Scripture reminds us, “You will be enriched in every way so that you can be generous on every occasion” (2 Corinthians 9:11). A Practical First Step Not sure where to begin? Try setting a finish line for the next 90 days. You do not need a lifelong blueprint today. You only need the next faithful step. Experiment, learn, pray, and refine along the way. Your finish line is not a rigid rule—it is a discipleship tool. It reminds you that everything belongs to God, and you are a steward of what He has entrusted to you. In every season, the goal is not simply to have more. The goal is to know what is enough, live with contentment, and be ready to participate in God’s Kingdom purposes with joy. If you’d like help prayerfully answering the question, How much is enough? FaithFi has created its very first FaithFi Field...

For many retirees, their home is their largest asset. Yet in countless financial plans, that asset is treated as if it barely exists. Retirement conversations often focus on Social Security, pensions, IRAs, and investment accounts while overlooking the value built up in a home over decades. On today’s episode of Faith and Finance, Harlan Accola of Movement Mortgage joins to discuss why home equity may deserve a more thoughtful place in retirement planning—and how a reverse mortgage, when used wisely, can become one tool among many. The Overlooked Asset in Many Retirement Plans According to Harlan, many planning tools display home equity on paper but treat it as untouchable. In practice, that means one of a retiree’s largest resources is often ignored. Why does this happen? Sometimes, advisors are not trained to incorporate home equity strategically. Other times, people assume reverse mortgages are only for emergencies or financial distress. But that perspective may miss an important opportunity. Harlan describes home equity as a potential third bucket alongside income sources and investment accounts. Instead of relying only on withdrawals from retirement savings, some retirees may be able to use home equity strategically to reduce pressure on their portfolio. That can be especially helpful during market downturns or in years when withdrawing from investments would be less advantageous. The idea is not to replace investments or income, but to strengthen the overall plan by considering every available resource. More Than Monthly Cash Flow When people hear “reverse mortgage,” they often think only about immediate cash needs. But strategic planning can involve much more than that. Harlan noted that incorporating home equity may create flexibility in several areas, including: These decisions can significantly impact long-term financial outcomes. What About Leaving an Inheritance? One common concern is whether using home equity will leave nothing to pass on. Harlan explained that many families are surprised to learn that this is not always the case. Depending on appreciation, spending patterns, and the overall plan, some home equity may remain. In some scenarios, overall net worth may even improve because other assets were preserved. Of course, every situation is different, which is why personalized analysis matters. A Biblical Perspective on Stewardship Scripture reminds us, “Moreover, it is required of stewards that they be found faithful” (1 Corinthians 4:2). Faithful stewardship means wisely managing everything God has entrusted to us—including assets we may be tempted to ignore. A home is more than shelter. It can also be a financial resource that, when handled prudently, helps provide stability, reduce burdens on loved ones, and create greater freedom for generosity. That does not mean a reverse mortgage is right for everyone. But it does mean it may be worth understanding before dismissing it. Consider the Whole Picture Wise planning begins by asking better questions. Instead of assuming home equity should remain untouched, consider whether it has a role in your broader financial strategy. If you’d like to explore how reverse mortgages fit into retirement planning, learn more from our trusted partners at Movement Mortgage at FaithFi.com/Movement. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSound Mind Investing (SMI)Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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)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....

How much is enough—and why does it always seem just beyond our grasp? Many people assume the answer is a number: a savings goal, a retirement target, or an income level that will finally bring peace. But Scripture offers a different perspective. What if “enough” isn’t something you reach, but something you define? That question matters more than we may realize, because how we answer it shapes our contentment, our decisions, and our generosity. The Question of Enough Begins in the Heart When we turn to God’s Word, we discover that the question of enough doesn’t begin with math. It begins with the heart. As we often say, money issues are heart issues. They’re tied to our fears, our desire for control, and ultimately where we place our trust. That’s why Hebrews 13:5 says: “Keep your life free from the love of money and be content with what you have, for he has said, ‘I will never leave you nor forsake you.’” Notice the connection: contentment is not rooted in what we have, but in who we have. True peace isn’t found in reaching a financial milestone. It’s found in the presence and faithfulness of God. Enough Is About Trust If enough is not about accumulation, then what is it about? First, it is about trust. Physician Keelan Hobelman and his wife recognized this early as his income began to rise. They knew that without intentionality, their lifestyle could quickly expand alongside their earnings. So they chose to create boundaries before the increase arrived. Their goal was simple: to avoid letting higher income automatically lead to higher spending. That kind of decision reflects wisdom. It acknowledges that more income does not automatically create more peace. Sometimes it simply creates more appetite. Trust says, “God is my provider, not my paycheck.” Enough Is About Stewardship Second, enough is about stewardship. If God owns it all, then we are not owners—we are managers. And managers ask a different question. Instead of asking, “How much can I keep?” they ask, “How does the Owner want this used?” That shift changes everything. Now, enough is no longer about protecting a lifestyle. It becomes about aligning our lives with God’s purposes. Our money becomes a resource to steward rather than a treasure to hoard. Enough Is About Contentment Third, enough is about contentment. Paul writes in 1 Timothy 6:6–7: “But godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world.” That is a powerful reminder. We entered this world with nothing. We will leave it with nothing. So, enough cannot ultimately be defined by what we accumulate in between. It must be defined by something deeper and more lasting. Contentment is not complacency. It is the settled confidence that God is enough; therefore, we can live with open hands. Why Defining Enough Matters If you never define enough, your lifestyle will slowly expand to consume everything you earn. But when you define it, you create margin: One practical way to do this is by setting a financial finish line—a level of spending you choose not to exceed, even if your income grows. This is not about limiting joy. It is about protecting it. Once that line is established, everything beyond it can be directed with greater purpose and intentionality. The Freedom of a Generosity Mindset Helen Schmidt, founder of My Strategy Mentor, experienced this firsthand when her family made a decision that lowered their income but increased their dependence on God. Though their giving dollars initially decreased, they found that God continued to provide in unexpected ways. What looked like a step backward by the world’s standards became a step forward in trust, faith, and freedom. That is the deeper shift. Enough stops being about what you need to feel secure and starts becoming a tool for how you live on mission. Instead of asking, “How much more do I need?” you begin asking, “What has God already entrusted to me,...

Many investors think about what they own, but not always about how that ownership can be used for good. Yet investing is not only about returns—it can also be about responsibility. For those who want their financial decisions to reflect their values, one important tool is something called corporate engagement. Today, we were joined by Chris Meyer, Stewardship Investing, Research, and Advocacy Manager at Praxis Investment Management, who shared how this process works and why it matters for everyday investors. What Is Corporate Engagement? Corporate engagement means using the rights and privileges of ownership to communicate with company leadership and encourage better policies and practices. Rather than simply avoiding companies that conflict with certain values, engagement seeks to influence them toward positive change. Chris Meyer described it as an extension of stewardship. Investors are not only seeking financial returns—they are also considering how their investments can create social impact and promote human flourishing. That perspective reflects the biblical principle found in 1 Corinthians 4:2: “It is required of stewards that they be found faithful.” At Praxis, engagement efforts currently center around three broad themes: Within those categories, they look for areas where companies face meaningful risks or opportunities for improvement, and where investor influence could realistically lead to progress. Why Collaboration Matters Corporate engagement is rarely done alone. Faith-based investors often work together in coalitions, combining their voices for greater impact. When multiple investors raise the same concerns, companies tend to listen more carefully. Collaboration also brings together different expertise and perspectives, helping investors engage more thoughtfully and effectively. Before engaging a company, extensive research is required. Investors seek to understand: Once conversations begin, the goal is not confrontation or public shaming. Instead, engagement is rooted in respect, patience, and long-term relationship building. Many of these discussions continue over multiple years. Does It Really Make a Difference? According to Meyer, yes—but usually through incremental progress rather than dramatic overnight change. He shared that companies often adopt new policies, improve transparency, or take meaningful corrective actions because investors remain engaged over time. Change tends to happen through persistence and partnership. One current focus involves retailers and apparel companies with global supply chains. Investors are encouraging these businesses to strengthen oversight, improve worker protections, and provide clearer reporting on their responses to labor violations. This includes asking tough but constructive questions: These efforts can take time, but progress is possible. Of course, engagement is not endless. If a company refuses to address serious concerns or shows no willingness to improve practices that are clearly at odds with its stated values, investors may decide to divest. In that sense, engagement and screening can work together—one seeks transformation, while the other establishes boundaries. Why This Matters for Everyday Investors Many people do not realize that when they invest through mutual funds, they are often part owners of companies. Ownership carries influence, even when exercised through fund managers on behalf of shareholders. That means your investments can do more than grow wealth. They can help encourage better business practices, greater accountability, and positive change in the world. As believers, stewardship does not stop with what we own—it extends to how what we own is used. Investing can become one more way to love our neighbors, seek justice, and reflect God’s heart in the marketplace. When approached thoughtfully, your portfolio can become more than a financial tool. It can become a witness. If you’d like to learn more about values-aligned...

“Many are the plans in the mind of a man, but it is the purpose of the Lord that will stand.” - Proverbs 19:21 We’re often told to plan for the future. Build a budget. Set retirement goals. Create a roadmap for success. And those things can be wise and helpful. But what happens when the future doesn’t follow the plan? That’s a tension many people experience but rarely talk about: the paradox of planning. Scripture teaches that planning matters—but it also reminds us that even our best plans are never the final word. Planning Is a Biblical Practice Whether it’s a financial roadmap, a retirement timeline, or a weekly budget, planning helps us prepare for what lies ahead. And the Bible affirms that kind of wisdom. In Proverbs 6, we’re told to consider the ant. Without anyone directing her, she gathers food in the proper season and prepares for what’s ahead (Proverbs 6:6–8). The lesson is clear: be diligent, think ahead, and use today wisely to prepare for tomorrow. Planning itself is not the problem. In fact, planning can be an act of stewardship. It reflects responsibility, foresight, and wise management of the resources God has entrusted to us. When Planning Becomes Self-Reliance But planning carries a subtle danger. What begins as wisdom can slowly drift into self-reliance. Once we build a plan, it can be easy to believe we control the outcome. We may not say it out loud, but deep down, we start thinking, I’ve got this figured out. That’s why James offers a strong warning: “Come now, you who say, ‘Today or tomorrow we will go into such and such a town and spend a year there and trade and make a profit’—yet you do not know what tomorrow will bring.” (James 4:13–14) James is not condemning planning. He is confronting presumption—planning that assumes we are in control and forgets our dependence on God. This is the paradox we must learn to embrace: Plan wisely. Trust deeply. Prepare diligently. Surrender completely. Our plans should never replace our dependence on God. They should reflect it. Paul’s Redirected Plan The apostle Paul gives us a powerful example of this in Acts 16. Paul and his companions had a clear strategy. They intended to preach in Asia. It was thoughtful, strategic, and mission-driven. But the Holy Spirit prevented them from going there. They tried another route toward Bithynia, but again they were redirected. Then Paul received a vision of a man from Macedonia saying, “Come over and help us.” That moment changed the course of Christian history. Instead of continuing east, the gospel crossed into Europe for the first time. Paul had a plan—but God had a greater one. What looked like an interruption was actually divine guidance. When Life Doesn’t Go According to Plan The same can be true for us. A job opportunity falls through. An investment underperforms. A door closes unexpectedly. A timeline shifts. Our instinct is often to assume something has gone wrong. But what if those moments are invitations? Sometimes what feels like a setback is actually a redirection toward something better than we imagined. Hold Your Plans With Open Hands Faithful planning doesn’t mean gripping our plans with a clenched fist. It means holding them with open hands. The late pastor and author Tim Keller once said, “You can make plans, but you cannot make outcomes.” That captures the heart of biblical planning. We are called to think ahead, act wisely, and steward well. But outcomes never ultimately rest in our hands. As Proverbs 16:9 reminds us: “The heart of man plans his way, but the Lord establishes his steps.” Where Real Peace Is Found When we understand this, something beautiful happens. Our peace no longer depends on whether everything unfolds according to our timeline. Instead, our peace rests in the One who holds the future. Budgets, goals, strategies, and financial plans are useful tools—but they are not our security. God alone is. So make plans. Work diligently. Think wisely. But hold every...

“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.” — Deuteronomy 8:17–18 How much money is enough? It’s a question that quietly shapes many of our financial decisions, yet few people ever stop to answer it. On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to explore a practical and deeply biblical framework for answering that question. Why Prosperity Can Be a Greater Test Than Hardship In Deuteronomy 8, Moses addressed the people of Israel as they stood on the edge of the Promised Land after 40 years in the wilderness. They had endured hunger, uncertainty, and hardship. But Moses warned them that their greater challenge would come after entering abundance. Would they remember the Lord as their provider, or would they begin to believe their wealth came from their own strength? That warning remains relevant today. In one of the most prosperous cultures in history, it is easy to drift into self-reliance, entitlement, or endless accumulation. Prosperity can subtly shift our trust away from God unless we intentionally resist it. Five Ways People Typically Approach Giving Cody explained that when people ask, “How much should I give?” or “How much should I keep?” they often fall into one of five common approaches: 1. Spontaneous Giving. Giving in the moment, with little prior planning. 2. Giving Goals. Choosing a target dollar amount to give during the year. 3. Percentage Giving. Giving a fixed percentage of income. 4. Incremental Percentage Giving. Increasing the percentage you give over time as income grows. 5. Financial Finish Line. Rather than beginning with how much to give, this approach starts by deciding how much to keep for personal lifestyle spending—and then directing the rest toward Kingdom purposes. That final model flips the normal mindset upside down. Instead of expanding lifestyle every time income rises, it sets boundaries around consumption and creates margin for generosity. What Is a Financial Finish Line? A financial finish line is a predetermined cap on how much you will spend on your own lifestyle. Once your needs and responsibilities are covered, any additional resources can be used to bless others, support ministry, and advance God’s work. Cody suggested thinking about finances in four broad categories: Personal Spending –Taxes –Planning for the Future –Kingdom Building – The key focus is often personal spending because lifestyle choices tend to determine whether increased income becomes a tool for generosity or simply fuels more consumption. Three Practical Ways to Set Your First Finish Line There is no universal number for everyone, but Cody shared three common ways people can begin. 1. Maintenance Spending Finish Line This means locking in your current standard of living. If your present lifestyle spending is healthy and appropriate, you choose not to automatically increase it as your income grows. This can guard against lifestyle creep and free future increases in income for other purposes. 2. Benchmark Spending Finish Line This method uses outside data or planning tools to help determine a reasonable level of spending. Instead of relying only on personal feelings, you compare your lifestyle to objective benchmarks to help guide wise decisions. 3. Prioritization Spending Finish Line This approach starts with your current budget and evaluates each category through the lens of values. Ask questions like: As you trim what is unnecessary, your spending becomes more intentional and aligned with your calling. Setting a finish line can feel like a major decision, especially at first. But it does not need to be permanent or perfect. Cody encouraged listeners to try a finish line for three or six months. Many people...

A humanitarian crisis is unfolding right now in Lebanon, and for hundreds of thousands of families, survival has become a daily question. As conflict intensifies once again, the impact on families—especially women and children—is overwhelming. In today’s conversation on Faith and Finance, May-Lee Melki of Heart for Lebanon shared what is happening on the ground, how their team is responding, and how believers can help bring both urgent relief and lasting hope. A Nation in Crisis Once Again For many in Lebanon, this is not the first season of displacement and fear. The nation has endured years of instability, economic collapse, and refugee pressures. Now, renewed conflict has forced countless families from their homes yet again. More than one million people have been internally displaced in just a matter of weeks—roughly 20% of the country’s population. Entire regions have become uninhabitable, leaving families to seek shelter wherever they can: schools, unfinished buildings, sidewalks, parks, and vehicles. This crisis is especially severe because it comes after years of economic hardship. Since the financial collapse of 2019, many families have already lost savings, jobs, and financial stability. For those already living on the edge, another wave of displacement is devastating. What the Need Looks Like on the Ground Behind every statistic is a family trying to survive. Heart for Lebanon reported that official shelters are nearly full, while many informal shelters lack basic necessities such as clean water, sanitation, and heat. Families often arrive with little more than the clothes they are wearing. Children are missing school. Parents are searching for food, safety, and a place to sleep. During one field update, Bachir, a Hope Center Director in the Bekaa Valley, described visiting a school where displaced families were staying. Their team distributed blankets, mattresses, and food packages while praying that these acts of care would reflect the love and hope of Christ. Meeting Urgent Needs—and Sharing Lasting Hope What makes the ministry of Heart for Lebanon so compelling is that they are not only meeting physical needs. They are also offering relational care and pointing families to the unshakable hope found in Jesus Christ. Their team has been on the ground since the beginning of the conflict, delivering food, bedding, hygiene supplies, and emergency assistance. But beyond that, they are building relationships, praying with families, and sharing the gospel in some of life’s most vulnerable moments. As May-Lee explained, when everything else has been stripped away, people are often more open to hearing about a hope that extends beyond present suffering. That reflects the heart of 1 John 3:18: “Let us not love in word or talk but in deed and in truth.” One of Heart for Lebanon's unique strengths is that it is led and staffed by local believers. Many team members are enduring the same hardships as the families they serve. Some have been displaced themselves. Because they live in the communities they serve, they can respond quickly, build trust deeply, and remain faithfully present long after headlines fade. Their ministry is not temporary relief—it is long-term, relational care rooted in the love of Christ. How You Can Respond In moments like this, the Church has an opportunity to be the Church. A gift of $90 can provide a newly displaced family with a month of support, including food, mattresses, blankets, hygiene supplies, and compassionate Christ-centered care. When crisis strikes, it can be easy to feel helpless. But Scripture reminds us that God is “our refuge and strength, a very present help in trouble” (Psalm 46:1). And often, He chooses to express that help through His people. As followers of Christ, we may not be able to solve every global crisis—but we can respond faithfully where God gives us opportunity. Sometimes the most powerful witness is a blanket, a meal, a prayer, or a reminder that...

What if the most important factor in choosing a financial advisor isn’t performance alone, but alignment? Many people assume the primary role of a financial advisor is to maximize returns. While wise investing certainly matters, new research suggests something deeper may be at work. When financial advice aligns with your values, it doesn’t just affect your portfolio—it can reshape how you think about money altogether. That was the focus of today’s conversation with Sharon Epps, president of Kingdom Advisors, who shared insights from a new study conducted in partnership with Pinkston Research. What the Research Sought to Discover The study set out to compare the experiences of clients working with values-aligned advisors—specifically Certified Kingdom Advisors® (CKAs)—with those of clients using more traditional advisory relationships. The goal was simple: determine whether shared values actually change the financial planning experience. The findings were compelling. When values line up, the advisor-client relationship becomes more than a transaction. It becomes a trusted partnership. Shared Values Build Trust Faster One of the clearest takeaways from the research was the role that trust plays in how beliefs and priorities are shared. Seventy percent of CKA clients said shared values were the most important factor when choosing an advisor. By contrast, 64% of the general public said investment returns mattered most. That difference is significant. When clients feel understood—not just managed—they often experience what Sharon described as a “trust dividend.” Communication deepens. Confidence grows. Relationships become stronger and more enduring. Does Values Alignment Mean Sacrificing Performance? That’s a fair question—and an important one. The answer, according to Epps, is no. Values-based investing has been widely studied, and many strategies have demonstrated competitive long-term performance. The key remains the same as with any sound financial plan: discipline, diversification, and wise decision-making. In other words, it’s not a choice between faith and performance. You can pursue both. A More Complete Financial Conversation So what actually feels different when meeting with a Certified Kingdom Advisor®? Sharon explained that the conversation extends beyond numbers on a page. CKAs often ask about: The research reflected that difference: That means values-centered planning doesn’t replace technical excellence—it expands it. It becomes whole-life planning. From Ownership to Stewardship Perhaps the most meaningful shift happens internally. As people begin viewing money through a biblical lens, they often move from an ownership mindset to a stewardship mindset—the belief that everything we have ultimately belongs to God and has been entrusted to us for His purposes. The study found that 63% of CKA clients reported being motivated by a desire to be faithful stewards. That inward shift often leads to outward action. Nearly half of those clients said they had significantly increased their giving, compared with just 23% of general clients. Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). Our financial decisions don’t just reveal our priorities—they also shape them. Choosing an Advisor Who Shares Your Values A financial advisor does more than help manage assets. The right advisor can help you make wise decisions that reflect your deepest convictions. Performance matters. Expertise matters. But alignment matters too. Because when your values and financial guidance move in the same direction, money becomes more than a tool for accumulation—it becomes a means of faithful stewardship. If you’d like to connect with a Certified Kingdom Advisor® in your area, visit FindaCKA.com. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Credit Counselors (CCC)Christian...

How much can you safely spend in retirement without running out of money? It’s one of the biggest questions retirees face. For years, many people have looked to the well-known “4% rule” for guidance. But as helpful as that rule may be, it’s not as simple—or as reliable—as many assume. Today, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, joined us to revisit this widely used guideline and explain why a more flexible, personalized approach may better serve retirees. Why Retirement Spending Is More Complicated Than Saving Saving for retirement is often more straightforward than spending in retirement. During working years, many people invest consistently, contribute to retirement accounts, and let time and compound growth do their work. But retirement introduces a new challenge: no one knows exactly how long their money needs to last. That uncertainty changes everything. Retirees must make decisions while facing several unknowns: Because of those variables, determining a “safe” withdrawal rate becomes one of the most difficult parts of financial planning. Where the 4% Rule Came From The 4% rule originated with financial planner Bill Bengen in the early 1990s. Instead of trying to predict the future, Bengen studied historical market data. He examined how retirees who began in difficult economic periods—such as the mid-1920s—would have fared over a 30-year retirement. His conclusion: an initial withdrawal rate of 4.15%, followed by annual inflation adjustments, would have sustained every portfolio in his study for at least 30 years, even under the worst historical conditions. That’s an important detail. The 4.15% figure wasn’t intended to be the ideal spending strategy for everyone. It was the lowest common denominator—the floor that worked even in the toughest scenarios. Over time, that finding was simplified into the “4% rule.” Many people began to treat it as the optimal answer for nearly every retiree. But according to Biller, that was never the point. Rules of thumb can be helpful as rough planning tools, especially for someone years away from retirement who is trying to estimate future needs. But once retirement draws near, more precision is needed. A single percentage cannot account for your income sources, goals, spending habits, tax picture, or life expectancy. What New Research Suggests Sound Mind Investing conducted its own analysis under different assumptions, including a 50/50 stock-and-bond portfolio that became more conservative over time. Their findings showed: Meanwhile, Bengen later revisited his original work with broader investment options and updated tools. His revised conclusions suggested: These updates reinforce an important truth: retirement planning is more dynamic than a single number can capture. Rather than anchoring to one percentage, retirees should build a plan around their full financial picture. That includes: Financial planning software or a trusted advisor can help run simulations, stress-test scenarios, and make adjustments as life unfolds. Biblical Wisdom for Retirement Planning Scripture often commends wise planning while reminding us to hold our plans with humility: “The plans of the diligent lead surely to abundance” (Proverbs 21:5). Yet we also remember that ultimate security is never found in formulas, portfolios, or percentages. Our trust rests in the Lord, who provides faithfully in every season. Retirement stewardship is not about discovering a perfect rule. It is about making wise decisions, remaining flexible, and managing God’s resources faithfully over time. The 4% rule may still be a useful starting point—but it should not be the final word. When it comes to retirement, wise stewardship requires both diligence and flexibility. A personalized plan will almost always serve you better than a one-size-fits-all formula. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward:...

What if investing wasn’t just about returns—but about redemption? For many people, investing can feel impersonal. It’s often framed as something tied to markets, retirement accounts, and long-term financial goals rather than spiritual growth. But Scripture invites us to see it differently. God calls His people to use what they have in ways that serve others, reflect His character, and advance His purposes in the world. When viewed through a biblical lens, investing can become an act of worship and a tool for human flourishing. There Is No Sacred-Secular Divide In Colossians 3:17, the Apostle Paul writes: “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.” That includes our financial decisions. Scripture does not divide life into “spiritual” and “non-spiritual” categories. Every area of life belongs to God—including how we save, spend, give, and invest. That means investing is not outside the reach of discipleship. It is one more opportunity to honor the Lord with what He has entrusted to us. From the beginning, God called humanity to steward His world. Investing is one modern expression of that calling. When capital is directed wisely, it can fuel productive work that benefits others. Businesses can create jobs, solve problems, meet real needs, and contribute to the common good. Done rightly, investing becomes more than wealth-building—it becomes participation in the goodness of God’s world. This aligns with Jeremiah 29:7, where God told His people in exile to: “Seek the welfare of the city where I have sent you.” Though written in a specific historical moment, the principle remains meaningful today. God’s people are still called to pursue the flourishing of the places where they live. Your Portfolio Can Promote Human Flourishing When we invest wisely, we are not merely growing assets. We are resourcing companies and organizations that can create opportunity, promote dignity, and serve communities. In that sense, a portfolio is not just a collection of holdings—it is a means of directing resources. It can become one way we love our neighbors through economic participation. Christians may apply this in different ways: Different approaches exist, but the shared principle is this: investing can be a meaningful expression of stewardship. Faithful Investing Begins With the Heart Before it begins with strategy, investing begins with surrender. The first question is not, “What will perform best?” but, “Lord, what would You have me do with what You’ve entrusted to me?” That posture changes everything. When the heart is submitted to God, investing becomes more than a financial tactic. It becomes worship. It becomes a witness to a watching world that we are not living merely for accumulation, but for something greater. Here are four practical ways to begin aligning your investments with biblical wisdom and purposeful stewardship. 1. Begin With Prayer Invite God into your investment decisions. Ask for wisdom, discernment, and a heart aligned with His desires. 2. Evaluate With Intentionality Don’t only ask how your portfolio is performing. Ask what it is producing. Are your investments aligned with your values? Are they contributing, even in small ways, to the flourishing of others? 3. Think Beyond Avoidance It is wise to consider what you do not want to support. But don’t stop there. Ask how your capital can actively serve the common good. How can your investments reflect God’s justice, generosity, and care for people? 4. Seek Wise Counsel Proverbs 11:14 reminds us: “In an abundance of counselors there is safety.” Wise guidance matters. That’s why many believers benefit from working with a values-aligned advisor who can help integrate biblical wisdom with sound financial planning. You can connect with a Certified Kingdom Advisor at FindaCKA.com. Investing Is About More Than Your Future Investing certainly helps prepare for future needs. But it can also be about participating...

Money conversations often center on numbers, strategies, and outcomes. But underneath those practical concerns lie deeper questions—questions about identity, worth, and purpose. For many women, financial confidence isn’t just about knowledge. It’s deeply connected to how they see themselves and their role in God’s story. That’s why conversations about money must go beyond budgets and investing—they must address the heart. On today’s show, financial advisor and author Bethany Frymire shared how faith, identity, and financial decision-making are deeply intertwined—and why that connection matters. A Calling Rooted in Faith Bethany Frymire, a Certified Kingdom Advisor (CKA®) with Blue Trust and author of Women of Worth: A Faith-Based Guide to Financial Wisdom, didn’t set out to work in financial services. Her journey began unexpectedly, but God used it to shape a calling centered on helping others steward resources through a biblical lens. Today, she serves clients by integrating financial planning with spiritual wisdom—helping believers align their financial lives with their faith. That integration is key. Because money, at its core, is never just about money. Why Identity Matters in Financial Decisions Too often, finances are treated as a separate category of life—something purely practical or technical. But that approach misses something important. As Bethany explains, women in particular tend to live integrated lives. Faith, identity, relationships, and responsibilities all flow together. When one area is uncertain—especially identity—it can affect everything else, including financial confidence. If someone struggles to believe she is valued and called by God, that uncertainty can manifest as hesitation, fear, or avoidance in financial decisions. But when identity is grounded in Christ, everything changes. Financial stewardship becomes not a burden—but an opportunity to honor God. The Confidence Gap—and Why It Matters There’s a striking reality many women face: 94%28% That gap often becomes most evident during life’s hardest moments—widowhood, divorce, or unexpected transitions. Without preparation, financial responsibility can feel overwhelming. But when knowledge and confidence are built in advance, those same moments can be approached with wisdom and peace. That’s why learning stewardship isn’t just about the future—it’s about faithfulness today. Knowledge Isn’t Enough Financial education is important. But knowledge alone doesn’t always lead to action. Why? Because confidence to act is often rooted in identity. You can understand budgeting, investing, and generosity—but still hesitate to apply those principles if you doubt your worth or calling. But when women begin to see themselves as God sees them—valued, chosen, and entrusted—they become far more willing to step forward and act on what they’ve learned. That’s when financial wisdom moves from theory to transformation. Moving Past Shame and Regret For many, financial conversations carry a weight of discouragement—or even shame. Past mistakes. Missed opportunities. Regrets. But Scripture offers a different perspective: grace. No one has it all figured out. And no financial story is beyond redemption. As Bethany reminds us, there is always a next step—no matter how small. And those steps matter. Instead of being defined by past decisions, we’re invited to move forward with: The Power of the Next Right Step Growth rarely happens all at once. It happens through small, faithful decisions—taken over time. That’s why focusing on the “next right step” is so powerful. Over time, those small steps form habits. And those habits shape a life of faithful stewardship. A Renewed Vision of Worth and Purpose At the heart of this conversation is a simple but transformative truth: Your worth is not defined by your financial success—but by your identity in Christ. Ephesians 2:10 reminds us that we are God’s workmanship, created for good works He prepared...

What if your everyday banking could help fuel ministry—without changing how you manage your money? That’s the question at the heart of a growing movement to rethink financial stewardship. For many of us, banking feels purely transactional. But what if it could become a tool for Kingdom impact? On today’s episode of Faith & Finance, Aaron Caid joined us to share how a unique approach to banking is helping support churches, families, and ministries around the world. A New Chapter in Faith-Based Banking Aaron Caid represents AdelFi and Christian Community Credit Union (CCCU), which recently came together to form what is now the largest faith-based credit union in the country. As they move toward a unified identity under AdelFi Christian Banking, the mission remains unchanged—but the opportunity for impact has grown. This new chapter means expanded resources, greater reach, and a continued commitment to serving individuals, families, businesses, and ministries nationwide. The goal is simple but powerful: to steward financial resources in a way that advances the gospel. More Than Transactions Most people don’t think of their bank account as a ministry tool—but that’s exactly what this model seeks to change. As a not-for-profit, member-owned credit union, the focus shifts from profit maximization to Kingdom impact. Instead of enriching shareholders, revenue is reinvested in serving members and supporting ministry work. Notably, 10% of earnings are tithed to support ministries actively sharing the gospel. This transforms everyday financial decisions—like where you bank—into opportunities to participate in God’s work. Real-Life Kingdom Impact This isn’t just theory. It’s happening in tangible ways. 1. Supporting the Local Church During the pandemic, Calvary Chapel South OC quickly outgrew its space as people gathered in large numbers for outdoor worship. Through affordable financing, the credit union helped the church secure a larger property—creating space for continued worship, discipleship, and community. 2. Caring for the Vulnerable Through partnerships with organizations such as the Christian Alliance for Orphans, financial resources have supported over 250 ministries serving orphaned and foster children. Beyond funding, families have also received guidance on navigating the financial complexities of adoption. 3. Investing in the Next Generation Camp Agape, which serves children with incarcerated parents, is another example. Support includes both financial contributions and volunteer involvement. Many children who attend eventually return as adults to serve, creating a cycle of healing and hope. A Broader Vision of Stewardship When you step back, the vision becomes clear: stewardship isn’t limited to giving—it includes how we manage every financial decision. Where we bank, how we spend, and the systems we participate in all reflect what we value. When those decisions align with our faith, even routine financial activity can take on eternal significance. This approach invites us to rethink a basic question: What if our money could serve more than just our needs? Instead of viewing finances as isolated from our spiritual lives, this model integrates the two—turning everyday banking into a way to participate in God’s redemptive work in the world. Take the Next Step If you’re interested in aligning your banking with your faith, there’s a practical opportunity right now. For a limited time, FaithFi listeners can earn up to a $400 bonus when opening a qualifying high-yield checking, savings, or cash rewards VISA credit account. CCCU also offers a high-yield money market account with a competitive rate on balances up to $100,000. To learn more, visit FaithFi.com/Banking and use the code FAITHFI when you open your account. On Today’s Program, Rob Answers Listener Questions: Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union |...