One of my favorite passages in the Bible is found in Luke 12:16-21, the Parable of the Rich Fool. While most of us don’t have barns today, Jesus’ warning about storing up earthly treasures is just as relevant now as it was then. So, what does it mean to be “rich toward God,” and why does it matter? Let’s dive into this powerful lesson.

The parable begins with a wealthy man who has a problem many might envy—his land has produced so much that his barns aren’t big enough to store it all. His solution? Tear down the old barns and build bigger ones. He says to himself, “Soul, you have ample goods laid up for many years; relax, eat, drink, be merry” (Luke 12:19).

At first glance, this sounds practical, even responsible. But Jesus reveals the man’s tragic mistake. God calls him a “fool” because his life will end that very night, and all his possessions will be left behind. Jesus concludes with a warning: “So is the one who lays up treasure for himself and is not rich toward God” (Luke 12:21).

What Does It Mean to Be Rich Toward God?

“Rich toward God” is a striking phrase, and while Scripture doesn’t define it explicitly, we can infer its meaning through contrast. The Rich Fool’s mistake wasn’t his wealth but his heart. He prioritized his possessions over God, finding his security and satisfaction in material abundance rather than in his Creator.

Being rich toward God means:

1. Acknowledge God as Your Source – Recognize that all you have belongs to Him.
2. Treasure God Above All – Count Him as your greatest riches, above money or possessions.
3. Use Wealth for God’s Glory – Invest in His Kingdom by giving generously to those in need.

Had the Rich Fool done this, his wealth could have been a tool for eternal good instead of a trap for his soul.

The story of the Rich Fool reminds me of A Christmas Carol by Charles Dickens. Like the Rich Fool, Ebenezer Scrooge was consumed by wealth and self-interest. But Scrooge was given a second chance to change—and so are we.

Jesus teaches that the way we use money is evidence of our faith. While works don’t save us, they reflect our relationship with God. Holding onto wealth for ourselves reveals a heart that treasures possessions more than the Giver of all good things.

Money as a Tool, Not a Treasure

It’s important to note that money itself isn’t bad. It’s a powerful tool that can be used for good or bad, depending on how we handle it.

The danger lies in letting money take God’s place in our hearts. As Jesus warns in Matthew 6:21, “For where your treasure is, there your heart will be also.” The Rich Fool’s failure wasn’t his wealth but his attitude. Instead of viewing his abundance as a gift from God, he saw it as an opportunity for personal indulgence.

Imagine if the Rich Fool had responded differently. What if, instead of building bigger barns, he prayed, “God, this is all Yours. You have made my fields prosper. Show me how to use this blessing to glorify You and help others”?

He might have used his wealth to feed the hungry, clothe the poor, or support God’s work. He could have shared in the joy of giving and discovered that, as Jesus said in Acts 20:35, “It is more blessed to give than to receive.”

Lessons for Us Today

The Parable of the Rich Fool is a sobering reminder to examine our own hearts. Are we building bigger barns, accumulating wealth for our own comfort? Or are we using God’s blessings to invest in eternal treasures?

Here’s how we can strive to be rich toward God:

1. Trust in God’s Provision – Avoid placing your security in money.
2. Give Generously – Use your resources to bless others and advance God’s Kingdom.
3. Focus on Eternity – Remember that worldly wealth is temporary, but treasures in heaven last forever.

The Rich Fool learned his lesson too late, but we don’t have to. Let’s choose today to prioritize God over possessions and live as wise stewards of His blessings.

“It is more blessed to give than to receive.” Let’s not just hear those words—let’s live them.

Rich Toward God: FaithFi's Study on the Parable of the Rich Fool

If you’d like to combat pride in your life and grow closer to the Lord, purchase our study guide entitled Rich Toward God: A Study on the Parable of the Rich Fool. With the Lord's guidance, FaithFi created it to expand our understanding of His amazing love for us and what it means to follow him with all our hearts. Get a copy for personal study or for everyone in your Bible study group to experience it together. 

Go to FaithFi.com/RTG to learn more!

On Today’s Program, Rob Answers Listener Questions:

• I'm 35 years old, married but without kids, and have no significant assets. Is it still necessary for me to set up a will? And if so, what would I need to do to go about that?
• I'm considering retiring at 65, even though my full retirement age for Social Security is 67. If I wait to claim Social Security until I am 67, will my benefit amount continue to grow during the two years I'm not working, or will my lack of income negatively impact the benefit?
• I have a pretty nice house and a paid-off car, but I need to set up a will and a trust. I don't know where to start. Can you recommend a company or resource that provides godly estate planning services?
• I have just over $50,000 in a CD that recently matured, and I want to move it somewhere where I have easier access to the funds. Should I look into a high-yield savings account? When I look at the options on Bankrate, I'm unsure how to decide which bank to go with. What should I be considering?
• I've heard you mention a company when discussing reverse mortgages with other callers. You usually say that would be the one you prefer or advise checking with. What was the name of that company again?
• With the recent political changes, I wonder about the outlook for T-bills versus CDs as we head into 2025. How do you see the rates and performance of these short-term investments, and how will they compare in the near future?

Resources Mentioned:

• Christian Community Credit Union
• Bankrate.com
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

As Christmas draws near, stories of generosity and the spirit of giving abound. Few stories, however, embody these virtues more powerfully than the life of Saint Nicholas. Behind the modern image of Santa Claus lies the legacy of a man whose life reflected the true meaning of Christmas—selfless love and sacrificial giving.

Born around 280 A.D. in Patara, Turkey, Nicholas was raised in a wealthy Christian family. From an early age, he was taught to care for the poor and live out the teachings of Jesus. His parents modeled these values daily, planting seeds of faith and generosity in his heart.

Tragedy struck early in Nicholas’ life when an epidemic claimed both of his parents. Left orphaned but with a significant inheritance, Nicholas could have chosen to live in comfort. Instead, he embraced his faith, seeing his wealth as a tool to serve others and spread the love of Christ.

The Secret Acts of Kindness

Nicholas became known for using his wealth to quietly help those in need. His most famous act of generosity involved a poor man with three daughters who were unable to marry due to their lack of dowries. Without this financial gift, the daughters faced the grim prospect of slavery.

Moved by their plight, Nicholas secretly delivered a bag of gold to the family under the cover of night. He repeated this act twice more, ensuring all three daughters had a future free from poverty. When his identity was discovered, Nicholas humbly redirected the thanks to God, embodying Jesus’ teaching in Matthew 6: “When you give to the needy, do not let your left hand know what your right hand is doing.”

A Life of Service

Nicholas later became the Bishop of Myra, a role that allowed him to extend his mission of compassion and justice. Known for his love for the poor and his courage in defending the innocent, he risked imprisonment during the persecution of Christians and stood firm for the gospel at the Council of Nicaea.

His life was defined by Christlike love. Through his actions, he reminded people that true wealth is not found in material possessions but in a personal relationship with God. His kindness pointed others to the greatest gift of all: Jesus Christ, who came to bring salvation and eternal life.

After Nicholas’ death on December 6th, 343 A.D., stories of his generosity spread across centuries. He became a symbol of selfless giving and was honored as the protector of children and the patron of sailors. Over time, his legacy inspired the modern figure of Santa Claus.

But beyond the red suit and cheerful laughter lies the heart of Saint Nicholas’ story—a life lived to glorify God through love and generosity.

The True Meaning of Christmas

The story of Saint Nicholas challenges us to reflect on the true meaning of Christmas. His life reminds us that the season isn’t about extravagant gifts or seeking recognition. It’s about embodying the love of Christ—a love that is sacrificial, humble, and freely given.

As we exchange presents and celebrate with loved ones, let’s remember that the greatest gift has already been given. Like Saint Nicholas, we can share that gift with others through acts of kindness, generosity, and encouragement.

This Christmas, may his story inspire us to give generously, love deeply, and reflect the light of Christ in a world that desperately needs hope. After all, as Jesus said, “It is more blessed to give than to receive.”

Let’s celebrate this season by sharing the love that makes Christmas truly special.

On Today’s Program, Rob Answers Listener Questions:

• I'm a 26-year-old newlywed looking to invest, and I'm wondering about your perspective on cryptocurrency—where you think it's headed in the future and if you're optimistic or pessimistic about it as an investment.
• My husband recently passed away, and I'm not 62 yet; I'm 61. Is there a negative side effect or penalty if I were to wait until I'm 62 to start collecting my own Social Security and then switch over to his survivor spousal benefit two to three years down the road?
• I have a savings account in a credit union for my grandchildren. Should I put the money into individual CDs for each child or keep it in one savings account?
• I have an old secured credit card from college that I've had for 9 years, but I can't get it unsecured. I'm considering closing it, but the banker said it would drop my credit score by 300 points. Is that accurate, and what kind of impact would I expect on my credit score from closing this older card?

Resources Mentioned:

• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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 sometimes regret the things we say, but often, words left unsaid can bother us just as much.

We’ve all had the thought, “Oh, I wish I’d said this or that.” You had more to say, but for whatever reason, time ran out. Sharon Epps has some things to say about unfinished conversations today.

Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.

The Power of Unfinished Conversations

The end of the year naturally becomes a season of change. Whether through unexpected interruptions or shifting circumstances, we often find ourselves in the middle of conversations that feel unresolved. These “unfinished” moments can leave us longing for closure or clarity, especially when circumstances prevent us from completing the dialogue.

Unfinished conversations can be deeply personal. A sudden change at work, a shift in a relationship, or even an unexpected goodbye can leave us wishing we had said more—expressing gratitude, offering encouragement, or simply saying, “I appreciate you.” Unresolved words can linger in our hearts, creating a sense of loss that extends beyond the situation itself.

Reclaiming Conversations and Relationships

Some unfinished conversations need to be revisited. Reaching out to express what was left unsaid can bring healing to others and ourselves. Even after the fact, a kind word or a heartfelt message can be a powerful way to rebuild relationships and bring closure to unresolved moments.

Sometimes, all it takes is a simple step to bridge the gap. For example, an email or a phone call that begins with, “I didn’t get a chance to tell you this, but…” can make a lasting impact. Thoughtful, intentional communication can transform lingering regrets into meaningful resolutions.

When Conversations Can’t Be Reclaimed

Of course, not every conversation can be recaptured. Death, distance, or circumstances may make it impossible to say the words we long to say. When faced with these situations, we can take comfort in surrendering those conversations to God.

A meaningful practice for releasing unresolved conversations is to journal them as prayers. Writing down the words we wish we could say and giving them to God can bring peace and closure. As we do this, we can trust that God finishes what we cannot. Just as Jesus declared on the cross, “It is finished,” we can rest in knowing He brings completion to even the most challenging parts of our lives.

Applying This to Finances

Unfinished conversations don’t just affect relationships—they often spill over into how we handle finances. Here are a few examples of financial conversations that can remain unresolved:

• Avoiding Money Goals: Spouses can get caught up in the daily whirlwind of life and neglect setting realistic financial goals together.
• Estate Planning: Families often avoid discussing inheritance or end-of-life plans, which can leave loved ones with uncertainty.
• Family Debt: Outstanding debts between relatives can create tension, especially when conversations about repayment are avoided.

In these scenarios, it’s important to ask two key questions:

1. Does this conversation need to be recaptured? Some situations call for a direct, honest discussion to resolve lingering uncertainty or tension.
2. Does this conversation need to be released? Other situations may require surrendering unresolved feelings or conflicts to God and trusting Him to bring peace.

A Challenge for This Season

As the holidays bring moments of togetherness and reflection, take time to consider the unfinished conversations in your life—whether relational or financial. Ask God for wisdom to know whether to recapture or release them.

This season is a unique opportunity to bring closure where it’s needed and peace where it feels impossible. Trust God to finish what you can’t, and step forward into the new year with a heart that’s open and resolved.

On Today’s Program, Rob Answers Listener Questions:

• I'm 39 now, and I've never saved for retirement. I have a job where I'm able to, but I don't know where to start. I have a lot of money lying around, but my company doesn't offer a 401(k) or anything like that. What should I do to start saving for retirement?
• I've been using a credit card to charge our monthly groceries and then paying it off to earn travel rewards points. Is this a good approach, or should I just take the money directly from our budget instead of charging the groceries?
• We've been trying to sell our house for 11 months, but the market has slowed down. My wife wonders if we should rent out our house, move to a new place, and then sell it later when the market improves. What do you think about that plan?
• I have a small pension that would be taxable if I took the lump sum. I could roll it to an IRA or take the $200 per month annuity. I don't need the money now, so what's the wisest financial decision—take the lump sum, roll it to an IRA, or take the annuity payments?
• We put some money into an indexed annuity a few years ago, but I've noticed it hasn't earned anything, even though the market has done well. I have a penalty to withdraw the money. Should I just leave it or try to take the penalty and move it somewhere else?

Resources Mentioned:

• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn’t mean we shouldn’t plan for it. Mark Biller is here today to help you do that. 

Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. 

Today, we’ll cover some key takeaways from Sound Mind Investing’s recent article, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let’s dive into some highlights to help you plan your next year's top financial moves.

1. Put First Things First: Aligning Finances with Faith

• Develop a Financial Plan: A solid plan is essential for managing God’s resources well. As Luke 19:13 reminds us, faithful stewards are called to “put this money to work until I come back.”
• Build an Eternity Portfolio: Once your family’s needs are met, embrace “exponential generosity.” As your income grows, increase your giving percentage, laying up treasures in heaven (Matthew 6:20).

2. Strengthen Your Financial Foundation

• Create a Workable Budget: A budget—think of it as a “spending plan”—is foundational. Learn from past mistakes and focus on spending less and saving more through automated savings or retirement account contributions.
• Spend Less, Save More: Small changes today can bring significant long-term benefits. Adjust your spending habits to prioritize your future.

3. Develop Your Investing Plan

• Create a Long-Term Investing Strategy: Just as a budget helps manage day-to-day finances, an investing plan guides long-term success. Allocate appropriately and avoid making rash decisions based on political or economic changes.
• Stay Informed About Trends: Technological advancements, economic policies, and market changes can impact investments. Educate yourself on these trends without succumbing to speculation.

4. Broaden Your Portfolio

• Expand Your Knowledge: Understand how global trends like AI and interest rate shifts may influence your portfolio. SMI offers resources to help navigate these complexities while maintaining a long-term focus.

5. Prepare for Retirement

• Plan for Social Security: Deciding when to claim Social Security benefits is crucial. For most, waiting until full retirement age or later can yield greater financial benefits.
• Understand Medicare Coverage: Don’t assume Medicare will cover all your retirement healthcare needs. Research Medigap or Medicare Advantage plans and consider alternatives like Christian Healthcare Ministries.

6. Miscellaneous Must-Dos

• Start Your Kids on Investing: Encourage young people to invest early. Fractional-share purchases and no-commission trades make it easier than ever to build long-term financial habits.
• Review Estate Plans: Ensure your will, power of attorney, and healthcare directives are up-to-date. Life changes and legal updates warrant a review every five years.
• Protect Against Tax Identity Theft: To prevent fraudulent filings, safeguard your Social Security number by requesting an IRS Identity Protection PIN.

Bonus Tips for 2025

• Treasure Each Day: Life is fleeting—embrace each day as a gift and manage God’s blessings wisely.
• Deepen Your Prayer Life: Discerning God’s voice leads to better financial decisions rooted in faith.
• Manage Finances as a Team: For married couples, working together on finances can combine strengths and reduce weaknesses.

As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God’s purposes. 

May you aim to hear these words in Matthew 25:21: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!”

For the complete list of financial moves and additional resources, visit SoundMindInvesting.org.

By following these principles, you can make 2025 a year of financial health and faithfulness.

On Today’s Program, Rob Answers Listener Questions:

• I recently retired and have a 401(k) with about $47,000 in it. I don't know what to do with this money. I'd like to get some advice from a Christian perspective on how to best manage and invest this 401(k) now that I'm retired.

Resources Mentioned:

• Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist
• Money and Marriage God's Way by Howard Dayton
• Movement Mortgage
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

From Genesis to Revelation, generosity is a resounding theme in the Bible. The ultimate example of this is captured in Romans 6:23:

“For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”

As children of a generous God, Christians are called to reflect His generosity in their lives. Let’s explore the biblical foundation of generosity, its spiritual significance, and some timeless wisdom from godly leaders to inspire you on your journey.

The Biblical Foundation of Generosity

The Bible paints a vivid picture of what it means to live generously:

• Sharing What We Have: Jesus instructed His followers, saying, “Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise” (Luke 3:10–11).
• Giving Cheerfully: The Apostle Paul teaches that generosity should come from the heart: “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver” (2 Corinthians 9:7).
• Reflecting God’s Character: Psalm 112 reveals that generosity is more than an action—it’s a reflection of righteousness and godly character.

Generosity is a response to God’s abundant grace flowing from a heart transformed by His love.

Wisdom on Generosity: 10 Timeless Quotes

Throughout history, men and women of faith have offered profound insights into the spiritual significance of generosity. Here are ten inspiring quotes to challenge and encourage you:

1. C.S. Lewis

“I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.”

2. John Wesley

“Do all the good you can, by all the means you can, in all the ways you can, in all the places you can, at all the times you can, to all the people you can, as long as ever you can.”

3. A.W. Tozer

“Any temporal possession can be turned into everlasting wealth…Whatever is given to Christ is immediately touched with immortality.”

4. Billy Graham

“Tell me what you think about money, and I will tell you what you think about God, for these two are closely related. A man’s heart is closer to his wallet than anything else.”

5. Chip Ingram

“Giving is an action; generosity is a matter of the heart. You can give and not be generous, but you can’t be generous without giving.”

6. Randy Alcorn

“Giving affirms Christ’s lordship. It dethrones me and exalts Him.”

7. Saint Augustine of Hippo

“Charity is a virtue which…when our affections are perfectly ordered…unites us to God…for by it we love Him.”

8. Amy Carmichael

“You can give without loving, but you cannot love without giving.”

9. J.I. Packer

“The measure of all love is its giving. The measure of the love of God is the cross of Christ.”

10. Jesus Christ

“Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you” (Luke 6:38).

Living Generously: A Call to Action

Generosity is not just about sharing wealth—it’s about trusting God to meet our needs as we meet the needs of others. It’s an act of worship and a reflection of God’s love in our lives.

We give because God first gave to us—our life, salvation, and every blessing we enjoy. Let these biblical truths and timeless quotes inspire you to live generously, not out of obligation but from a heart filled with gratitude.

May your generosity glorify God and bless others, transforming ordinary possessions into eternal treasures.

On Today’s Program, Rob Answers Listener Questions:

• I'm a newlywed, expecting our first child. We've been looking to buy a house. Would you recommend going through a mortgage broker or directly through a bank?
• I'm considering a reverse mortgage. Are they good or bad? What are some of the pitfalls?

Resources Mentioned:

• Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist
• Money and Marriage God's Way by Howard Dayton
• Movement Mortgage
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

They say that money is a good servant but a terrible master—especially when it comes to debt.

Surveys show that taking on debt ranks near the top of the list of financial regrets. Debt can make profound changes in your life and have spiritual consequences. Sharon Epps joins us to talk about that today.

Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.

Four Key Uses of Money: Live, Give, Owe, and Grow

Many of us face the challenge of managing debt, but approaching it with biblical principles can transform the way we handle our finances.

To help simplify money management, we can divide our finances into four categories: Live, Give, Owe, and Grow. These categories are like slices of a pie. Since the pie is limited, enlarging one slice means another must shrink. This analogy helps us view money as a finite resource that requires intentional stewardship. Today, we’ll focus on the "Owe" slice—debt—and explore biblical principles related to it.

What Does the Bible Say About Debt?

Contrary to popular belief, the Bible does not say that borrowing money is inherently sinful. However, debt is described as enslaving and can negatively impact relationships and decision-making. Proverbs 22:7 warns, “The rich rule over the poor, and the borrower is slave to the lender.” While debt isn’t labeled evil, its consequences make it something to approach cautiously.

Biblical Principles for Handling Debt

Sharon highlighted three key principles to guide believers in managing debt:

1. Repay What You Borrow

Psalm 37:21 teaches, “The wicked borrow and do not repay, but the righteous give generously.” This verse underscores the importance of integrity in financial commitments. Paying back what we owe reflects God’s righteousness in our lives.

2. Free Yourself from Debt Quickly

Proverbs 22:7 reminds us of the dangers of debt, urging us to escape its grip as soon as possible. Carrying debt limits our freedom and creates unnecessary burdens.

3. Serve God, Not Money

Jesus’ words in Matthew 6:24—“No one can serve two masters”—remind us that our ultimate allegiance should be to God. Debt can become a competing “master” if we’re not careful, dictating our decisions and priorities.

Practical Steps for Tackling Debt

If you’re struggling with debt, here are three actionable steps Sharon recommends:

1. Pray

Begin by committing your financial challenges to God. Align your heart with His will and ask for His guidance and provision.

2. Save Money

It might seem counterintuitive to focus on debt, but it’s essential to build an emergency fund—at least $1,000. This "debt insurance" prevents you from falling back into debt when unexpected expenses arise.

3. Pay Off Consumer Debt First

Prioritize paying off credit card and consumer debt. If you feel overwhelmed, seek help from organizations like Christian Credit Counselors, who can help you lower interest rates and accelerate debt repayment. Their debt management programs can help you pay off debt up to 80% faster by reducing interest rates. Visit Christian Credit Counselors to learn more.

Managing debt wisely is about more than just financial health; it’s about aligning our lives with God’s principles. By following biblical guidance, we can experience the freedom to live, give, and serve as God intended.

On Today’s Program, Rob Answers Listener Questions:

• I'm wondering how I can ensure I'm working with a financial advisor who is a fiduciary and puts my needs first rather than just pushing their own products and limited options.
• I have a 13-year-old son who has been making money doing yard work and lawn care. He now has over $2,000 saved and keeps asking me where he should invest this money. What would be the best place for a young teen to start investing and saving this money?
• I'm in the process of selling a half-interest in a farm that I inherited from my mother, who passed away about a year ago. I don't know how the capital gains tax works in this situation. Since the farm has been in the family for 40 years, how does that affect the capital gains tax I'll owe when I sell it?
• I drive a charter bus for a living, and I'm concerned about personal liability if I get into an accident on the job. What kind of insurance coverage should I seek to protect my assets in such a situation?

Resources Mentioned:

• Charles Schwab | Fidelity | Betterment | Acorns | Stash
• Christian Credit Counselors
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

India has one of the world’s fastest-growing economies. It’s also a world leader in…human trafficking.

Human trafficking is a problem in many countries around the world, but perhaps nowhere more than in India. David Harms is here today to share some hope-filled stories about an organization that’s changing the lives of young women and children in India.

David Harms has devoted nearly a decade of ministry to the work of India Partners, an underwriter of Faith & Finance. With over 35 years of experience in rescuing victims of human trafficking, India Partners continues to make a profound impact on the lives of the most vulnerable.

The Human Trafficking Epidemic in India

India is home to one of the world's fastest-growing economies, but it also faces a devastating crisis—human trafficking. Millions of underage girls are trafficked and sold, often tricked into exploitative situations under the guise of finding work. In the red light districts of Mumbai alone, an estimated 200,000 to 300,000 underage girls are trapped in this horrific trade.

Amidst this darkness, the nonprofit organization India Partners is working tirelessly to rescue these young women and children. Their social workers, described as "missionaries," venture into the red-light districts daily to befriend the girls and show them a way out. Once rescued, the girls are brought to India Partners' safe houses, where the true work of transformation begins.

In the safe houses, the girls receive trauma counseling, participate in daily devotions, and immerse themselves in Scripture. This holistic approach, combining time and the gospel, is crucial for their healing and restoration. As the girls come to know Jesus, they experience the deep healing that only He can provide after the unimaginable abuse they've endured.

Ongoing Challenges and Financial Needs

While India Partners' work is bringing hope and restoration, it is not without its challenges. The team faces spiritual warfare and persecution as they continue to lift up the name of Jesus. There is also a pressing financial need to expand their safe house operations and provide long-term care for the girls they rescue.

By partnering with India Partners, you can be a part of this life-changing work. Your financial support can underwrite the care of one girl for as little as $8.89 per day, providing her with private Christian schooling, medical attention, trauma counseling, and more. 

Join us in praying for the protection and strength of the India Partners team, and consider how you can contribute to rescuing and restoring these precious lives. To learn more about how you can partner with this incredible organization, go to IndiaPartners.org/Faith. 

On Today’s Program, Rob Answers Listener Questions:

• We're looking into pre-planning our funeral arrangements. How do you start that, and what do you have to look out for? There are always false things out there, and I wanted to know if you had any advice on that.
• My wife has a beneficiary IRA worth $108,000, and she's always been required to take a distribution on it. What is the difference between a beneficiary IRA and a conventional IRA, especially regarding how you can manage it? And I'll say she turns 62 in November—does that change anything?

Resources Mentioned:

• India Partners
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

“And there were in the same country shepherds abiding in the field, keeping watch over their flock by night. And, lo, the angel of the Lord came upon them, and the glory of the Lord shone round about them: and they were sore afraid.” - Luke 2:8-14

That’s from the Christmas Story in Luke, Chapter 2. The angels announce the coming of the Savior to a group of shepherds. It sounds simple enough…but there’s more to the story. Jerry Bowyer joins us to talk about it.

Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of “The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics.” You can also read his insightful columns for World News Group. 

Why Shepherds?

When the angels announced Jesus’ birth, their audience wasn’t kings or scholars but shepherds. Often portrayed as social outcasts historically, shepherds were viewed negatively because their flocks could wander onto others’ property, leading to accusations of theft. Despite this reputation, shepherds played a crucial role in the temple system, raising sheep for sacrifices.

Bethlehem, where Jesus was born, was a hub for breeding sacrificial lambs. Archaeological evidence supports this, highlighting structures like the Migdal Eder (Tower of the Flock), where unblemished lambs were identified for temple sacrifices. This foreshadows Jesus’ role as the ultimate Lamb of God, born in the city that prepared lambs for sacrifice.

Mary’s Economic Philosophy

Mary’s Magnificat (Luke 1:46-55) reveals her economic worldview. In this poetic expression of praise, she celebrates God’s justice: the rich are sent away empty, and the poor are filled. These are the socio-economic dynamics at play when Mary visits Elizabeth in Judea, a wealthier and more hierarchical society compared to Galilee. Elizabeth’s high status contrasts with Mary’s humility, yet Elizabeth honors Mary, signaling a reversal of societal norms.

Interestingly, Mary’s upbringing near Sephoris, the financial capital of Galilee, likely exposed her to sophisticated cultural and economic ideas. This blend of humility and intellect influenced her son, Jesus, whose teachings often echoed themes from her Magnificat.

Herod’s Fear and the Temple System

The birth of Jesus didn’t just bring joy; it also struck fear into the hearts of the ruling class, especially King Herod. He and the temple elites understood the revolutionary implications of Jesus’ arrival. The Messiah’s mission to bring justice threatened their corrupt economic system, which exploited the poor through practices like unfair money-changing in the temple.

Herod’s fear highlights the broader conflict between two kingdoms: one driven by greed and oppression and the other by justice and generosity. This tension culminates in Jesus’ cleansing of the temple, an act that symbolized the dismantling of a corrupt economic system.

The Magi and the Two Temples

The gifts of the Magi—gold, frankincense, and myrrh—mirror offerings described in the Torah for the temple. The gospels contrast two “temples”: the physical temple, corrupted by greed, and Jesus himself, the true temple who provides for the needy. This theme of “the Maker versus the Takers” runs throughout the gospels, illustrating the stark difference between God’s economy and human systems of exploitation.

Economics in God’s Plan

The Nativity story profoundly reminds us that God’s master plan includes economics. From shepherds to Mary’s Magnificat and from Herod’s fear to the Magi’s gifts, every detail points to God’s concern for justice, generosity, and the redemption of all aspects of life—including money. 

This Christmas, as you reflect on the birth of Christ, consider how God’s kingdom calls us to live with integrity, humility, and a heart for justice in every area of life.

On Today’s Program, Rob Answers Listener Questions:

• My husband plans to wait until full retirement age to take Social Security. I will take spousal benefits, but I'll only be 65 when he retires. Can I take spousal benefits, then? Or will I have to wait until my full retirement age?
• I'm 35 and returning to work part-time at my kids' school. We have $600,000 saved for retirement, max out my husband's 401(k), and do a backdoor Roth IRA. I have to contribute 10% to OPERS. Should I invest in their deferred comp option with about $800 per month, or is there something else you'd recommend?
• We have a HELOC that matures a couple of years after our mortgage is paid off. The bank said it's best to keep the HELOC open to safeguard against potential fraud. Should I follow their advice and keep the HELOC open, or is this just the bank trying to get us to spend more money?

Resources Mentioned:

• The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics by Jerry Bowyer
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

Have you started working on your New Year’s resolutions yet? Are you including your investing decisions in the mix?

A New Year always gives you the chance to make improvements, especially with finances. Cole Pearson is here today to talk about starting 2025 strong with values-based investing.

Cole Pearson is the President of Investment Solutions at OneAscent, a family of companies seeking to help people align their investments with their Christian values. OneAscent is also an underwriter of Faith & Finance. 

What Is Values-Based Investing?

Values-based investing is the practice of deploying financial resources in a way that aligns with a set of values or convictions, with the expectation of generating a profit. At OneAscent, values not only inspire why we invest but also guide how we invest. For Christians, this perspective is rooted in Psalm 24:1, which states, “The earth is the Lord’s and the fullness thereof.”

As stewards of God’s creation, Christians have a responsibility to consider the impact of their investments. Businesses have a powerful influence on the world, and as investors, we should discern whether the companies we support bring harm or blessing to the people and places they touch.

Five Steps for Values-Based Investing

Here are five essential steps Christians should consider when making investment decisions. These steps provide a framework for aligning finances with faith and values.

1. Milestones: Understanding Your Financial Life

The first step is identifying what’s happening in your financial life today. Life events—such as marriage, career changes, health issues, or asset purchases—impact your finances and should inform your planning. OneAscent offers a checklist covering key areas like:

• Marriage & Family
• Career
• Health
• Assets & Liabilities
• Generosity

Clarifying your milestones ensures that your financial decisions are relevant and purposeful.

2. Perspectives: Understanding Your Relationship with Money

Everyday interactions with money—spending, saving, investing, and giving—reveal our natural tendencies. Understanding how God has wired us to relate to money helps foster healthy communication, especially in relationships.

For example, your natural tendencies may lean toward saving and investing, while your spouse may lean toward spending and giving. Recognizing these perspectives provides a common language for dialogue and collaboration, setting the stage for the next step.

3. Priorities: Identifying What Matters Most

It’s essential to define and prioritize your financial goals. OneAscent uses a fun assessment to help individuals and families identify their top priorities, such as:

• Leaving a legacy
• Removing burdens from family
• Giving generously
• Devoting time to loved ones

For families, both spouses complete the assessment individually before working together to identify shared priorities. This clarity creates a strong foundation for future financial decisions.

4. Values: Ensuring Your Portfolio Aligns with Your Beliefs

Step four focuses on aligning investments with your values. This means identifying companies to avoid if their practices or products cause harm and seeking opportunities to invest in businesses that bless the communities they serve.

We are going to be investing somewhere. What types of companies do we want to own? How can we leverage our capital to promote a positive impact? OneAscent’s tools can help you analyze and align your portfolio with your values.

5. Generosity: Reflecting God’s Character

Generosity is the natural outcome of faithful stewardship. It allows us to reflect God’s generosity by using our resources to address needs and solve problems that God has placed on our hearts. Here are some thought-provoking questions to ask yourself as you reflect on this:

• How do you approach stewardship intentionally?
• What does generosity look like for your family?
• What problems in the world has God called you to address?

A Call to Align Your Investments

Values-based investing is more than a financial strategy; it’s a way to live out your faith. By following these five steps—Milestones, Perspectives, Priorities, Values, and Generosity—you can ensure your financial decisions honor God and bless others.

For more information on values-based investing, visit OneAscent.com and click “Analyze My Investments.”

On Today’s Program, Rob Answers Listener Questions:

• I just started a new job. I'm 55 years old, and my company is finally offering a 401(k) match with different investment tiers to choose from—conservative, moderate, and aggressive. As a 55-year-old woman, what investment tier should I choose for my 401(k)?
• When a married couple invests in a car, is it better to put the loan in one person's name or both people's names? And why would that be the better approach?

Resources Mentioned:

• OneAscent
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.

Hey, open enrollment ends in just a few days—have you decided on a new health insurance plan yet? If not, you might not have to. What if there was another way—a biblical solution for meeting your healthcare costs? Let’s explore medical cost sharing, a faith-based alternative to traditional health insurance that could save you hundreds of dollars a month.

What Is Medical Cost Sharing?

Medical cost sharing is a cooperative approach to healthcare expenses rooted in biblical principles. It’s an alternative to traditional health insurance in which members share each other's medical costs. The concept is inspired by Galatians 6:2, “Bear one another's burdens, and so fulfill the law of Christ.”

One of the pioneers in this space is Christian Healthcare Ministries (CHM), the oldest organization in the medical cost-sharing space. Since 1981, CHM has enabled members to share nearly $11 billion in medical expenses. It’s a nonprofit organization that operates on biblical stewardship, focusing on members’ needs rather than profits.

How Does Medical Cost Sharing Work?

Instead of paying insurance premiums, members contribute a monthly share amount based on the plan they choose. This amount is typically much lower than traditional insurance premiums. Here’s why:

• Self-Pay Model: CHM members are considered “self-pay” by healthcare providers, which often reduces costs significantly.
• Reimbursement System: Members submit bills for covered medical services and are reimbursed from the shared pool of funds.

For example, under CHM’s Bronze plan, the highest annual personal responsibility cost is $6,000 per person—a potentially lower-cost option compared to the high deductibles and out-of-pocket maximums of many insurance plans in the Affordable Care Act (ACA) Marketplace.

Key Advantages of Medical Cost-Sharing

1. Cost Savings

CHM’s nonprofit model focuses on its members rather than shareholders, allowing more resources to be allocated toward medical needs. This often makes it a more affordable option compared to traditional health insurance.

2. Freedom of Choice

Unlike traditional insurance, which often restricts members to a network of providers, medical cost-sharing has no networks. Members can visit any doctor or facility of their choice, and if the service is covered, they’ll be reimbursed.

3. Portability

Medical cost sharing is portable, meaning your membership stays with you regardless of job changes or life transitions. Whether you’re starting your own business or switching careers, you don’t lose coverage.

4. Community and Prayer

By joining CHM, you become part of a community of believers who support each other through prayer and encouragement. CHM’s customer support team often prays with members, offering compassion and spiritual support during difficult times.

5. Lower Overhead and Greater Control

CHM’s lower administrative costs translate into lower costs for members. Additionally, with no insurance company acting as a middleman, members work directly with medical providers to set up treatment plans and payment arrangements.

Why Consider Medical Cost Sharing?

Health insurance companies can be a blessing, especially for catastrophic illnesses, but they’re also large bureaucracies heavily regulated by the government. Medical cost sharing avoids many of these challenges, offering a simpler, more faith-focused approach to healthcare.

If you’ve already signed up for health insurance for 2025 but are now considering medical cost sharing, you may still be able to cancel your insurance without penalty.

To explore how medical cost sharing can be a biblical solution to healthcare costs, visit CHMinistries.org. You’ll find detailed information about plans, benefits, and how to join this faith-based community. Don’t miss this opportunity to align your healthcare decisions with your values.

On Today’s Program, Rob Answers Listener Questions:

• My husband and I are purchasing term life insurance, and the question has come up—do we make each other the primary beneficiary, with our children as the contingent beneficiaries? We have a blended family, and three of our kids are already grown; two are married, while three are still in the house and getting ready to launch into the world as teenagers.
• I want some information on savings bonds. I have been to my bank and called my credit union, but neither one deals in savings bonds. I've got a grandson who's turning one, and I thought that might be a good birthday present for him in the future. But I just don't know where to go or what to do to purchase savings bonds for him.
• We recently sold our house for a good profit, and we're wondering how to tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and interest we paid?
• I have a 401(k), and I'd like to know how I can invest according to my values and the available options. The only options seem to be big companies that I'd rather not invest in. Do you have any suggestions?
• I was thinking of buying these two single-family homes. They're both $150,000 each. I have a property that's worth about $800,000. What are the implications of selling the multi-level property and buying the two single-family homes? Is there something I need to know besides the standard closing costs? The multi-level property is mortgage-free, with nothing owed on it.
• I bought a car years ago. I still owe about $5,500 on it, with a minimum monthly payment of $185. However, the car is starting to nickel and dime me on the cost of maintenance. The bank owns the title. What are my options here?

Resources Mentioned:

• Christian Healthcare Ministries (CHM)
• SavingForCollege.com
• TreasuryDirect.gov
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In Mark 10:7, Jesus tells us, “A man shall leave his father and mother and hold fast to his wife, and the two shall become one flesh.” But does “becoming one” extend to the checkbook? Should husbands and wives have joint or separate bank accounts? Let’s explore this question and see if the Bible says anything about it. 

What Does the Bible Say About Joint Finances?

The Bible doesn’t specifically address joint or separate bank accounts, as their banking looked much different than our modern system today. However, Scripture provides timeless principles that guide financial unity in marriage:

1. Marriage Is About Oneness

In Mark 10, Jesus emphasizes that marriage involves two becoming one. While spouses remain individuals, marriage is a partnership requiring trust, openness, and communication—qualities that are essential for managing finances together.

2. Promote Transparency and Trust

Joint accounts can foster financial transparency and eliminate the temptation for hidden spending. They encourage couples to avoid a “mine” and “yours” mentality, aligning with the biblical principle of unity.

3. Avoid Division in Financial Management

Separate accounts can complicate money management. For example, you might face cash flow issues if one account is short while the other has surplus funds. Joint accounts simplify tracking expenses and meeting obligations, reducing potential stress.

Why Financial Unity Matters

Some couples argue that one spouse might handle the grocery budget while the other manages larger financial decisions through separate accounts. However, this approach can lead to problems:

• Lack of Awareness: One spouse may remain uninformed about the family’s overall financial health, creating difficulties if something happens to the other.
   
• Missed Communication Opportunities: Regular money conversations build mutual understanding and accountability, ensuring both spouses are on the same page.

Scripture underscores the importance of unity in decision-making. Amos 3:3 asks, “Do two walk together unless they have agreed to do so?” Financial unity reflects God’s design for marriage as a partnership built on trust and shared goals.

Practical Steps for Financial Unity

If you’re transitioning to joint accounts or considering how to manage money as a couple better, here are some tips:

1. Start a Monthly Money Date

Set aside time to review your budget, discuss goals, and address concerns. These “money dates” keep communication open and help you align your priorities.

2. Build an Emergency Fund Together

A shared emergency fund protects your family from financial shocks and reinforces your commitment to mutual goals. Aim for three to six months’ worth of expenses.

3. Use Tools to Simplify Budgeting

Tools like the FaithFi App can help couples manage finances collaboratively, offering transparency and clarity about income, spending, and saving.

Biblical Wisdom for Financial Oneness

God’s Word offers timeless wisdom for every aspect of marriage, including finances. Ephesians 5:21 instructs, “Submit to one another out of reverence for Christ.” This mutual submission applies to all areas of marriage, including how you manage God’s resources.

By embracing financial unity, couples reflect the oneness God intends for marriage. Whether through joint accounts, frequent money conversations, or shared goals, striving for unity in finances strengthens both your marriage and your walk with Christ.

As you consider whether to have joint or separate bank accounts, remember that the goal is unity—not just in finances but in every area of your marriage. Take time to pray, communicate openly, and align your financial decisions with biblical principles. Together, you can honor God and steward His resources wisely.

On Today’s Program, Rob Answers Listener Questions:

• I've been paying about $100 monthly for life insurance for a few years. Is it really necessary? What's the benefit of it?
• I appreciate your show and advice on Certified Kingdom Advisors (CKAs). Thanks to a CKA, I could retire at 54 and work full-time for a ministry that I am very passionate about. They did more for me than any other financial professionals. Your advice on CKAs is something listeners need to take seriously.
• I'm struggling to make up the money I lost during the three months I had to take off work due to some severe health issues I was dealing with back in April. I know that money is gone, and I won't be able to make it up, even with overtime. I'm having difficulty accepting that and moving forward, even though God provided for us during that time, and we didn't miss any payments.
• We have an investment property that we've paid off completely. We're both 55 years old and debating whether to keep or sell the property and roll the proceeds into a retirement plan since that's all we have for our retirement. Can we roll over the investment property into a retirement plan to avoid taxes?

Resources Mentioned:

• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) 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.