“A soft answer turns away wrath, but a harsh word stirs up anger.” - Proverbs 15:1

That verse reminds us to keep a cool head when we experience conflict or crisis in a relationship—and maybe even more…when that crisis involves the marriage relationship. Howard Dayton joins us today to talk about surviving a marriage crisis.

Howard Dayton is the founder of Compass Financial Ministry and the former host of this program. He is also the author of several books on Christian Finance and Stewardship, including Money and Marriage God's Way.

Recognizing the Warning Signs of a Marital Crisis

Marriage challenges can emerge when stress or unresolved conflicts grow too intense for a couple to manage. Financial struggles, in particular, often go beyond “dollars and cents” and can breed emotions like anger, resentment, and frustration. This strain can lead to poor communication or even emotional withdrawal. A financial crisis in marriage becomes incredibly complex when both partners contribute to it, eroding trust in the relationship.

People handle crises differently; some respond with intense emotions, while others may withdraw and become more introspective. Howard emphasizes the importance of allowing each spouse to process the situation in their own way while offering mutual support. In times of difficulty, a marriage can either strengthen or weaken. Interestingly, the pain of a crisis can also spark positive change, prompting impulsive spenders to become more mindful or encouraging couples to deepen their relationship with Christ.

Practical Steps to Work Through Marital Conflict

To support couples facing a financial crisis, here are a few practical steps to guide healing:

1. Pray Together for Wisdom—Begin by asking for God’s guidance and wisdom.
2. Set Ground Rules for Communication—Agree on respectful ways to handle conflicts, including the option for a “time-out” to cool down and pray together if emotions escalate.
3. Use Kind Words—Avoid hurtful language, as it can cause lasting damage.
4. Write Letters to Each Other—Sometimes, writing down feelings can help clarify issues. Afterward, meet to discuss these letters, pray, and address the issues raised.
5. Identify and Repent of Any Sins—Acknowledge any harmful behaviors, such as addiction, and take steps toward repentance and recovery.
6. Seek the Source of the Hurt—Ask God to reveal the underlying sources of pain and disconnect.
7. Work to Rebuild the Marriage—Each spouse should find someone to hold them accountable as they make better choices.

Seeking Outside Help When Needed

If these steps don’t resolve the crisis, it may be time to seek outside help. A qualified, mature Christian counselor can offer valuable guidance when a couple is unable to work through challenges on their own. Of course, there are situations where divorce may occur due to abuse, adultery, or addiction; however, many marital issues can be overcome with commitment from both partners.

The goal of financial unity in marriage is to make decisions together, listen to each other, and view finances as a shared resource. This oneness fosters trust, transparency, and partnership in every area of life.

For more on this topic, check out Howard Dayton’s book, Money and Marriage God’s Way, which delves deeper into building a unified financial and marital life.

On Today’s Program, Rob Answers Listener Questions:

• I have cancer and will likely pass away soon. My husband and I have separate finances due to a prenup. I have about $700,000 saved, and I want to know how much I should leave to my husband versus leaving it to the Lord's work, as my husband would likely want me to leave it all to him.
• I'm retired and have substantial savings that I transferred to an IRA. I've learned about the 'spend-down' when looking to enter a care facility as you age. Is it too soon for me to start spending down this IRA money, and how should I go about doing that?
• I have some kids who haven't been very responsible with their finances. One is about 44, and the other is 32. I've been considering getting a term life insurance policy on them so that if something happens to them because of their lifestyle choices, I would have something I could give to their children. Is this a good idea, and how much coverage should I get?
• I know you've said that identity theft insurance is unnecessary, but what about the $2 million coverage for stolen funds and expenses that some policies provide? Is that something I should consider getting, even if it's an expense?

Resources Mentioned:

• Compass Financial Ministry
• Money and Marriage God’s Way by Howard Dayton
• FamilyLife Blended
• 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.

Bonds are considered safe investments but also a bit boring. Is that true, though?

In the investing world, all the drama, for good or ill, is in the stock market. It’s up, it’s down, you get the picture. However, bonds also have an interesting story, and Benjamin Bailey is here to tell us about it.

Benjamin Bailey is Vice President of Investments and Senior Fixed Income Manager at Praxis Mutual Funds, an underwriter of Faith & Finance.

Introduction to Bonds and Stocks

Bonds play a unique role in building a well-rounded investment portfolio compared to stocks. Stocks represent ownership in a company—owning a small piece of a business like Verizon or Lowe's. Investors typically buy stocks hoping for price appreciation, aiming to sell them for more than they paid. 

Bonds, however, function differently. When a large company needs significant funding, they may issue bonds to raise capital, allowing investors to “lend” the company money. In return, bondholders receive interest payments (often bi-annually) and get their initial investment back when the bond matures. Bonds may not offer the same potential for big gains as stocks, but they tend to provide more stability.

Why Bonds Belong in a Diversified Portfolio

Bonds are often recommended as part of a diversified portfolio, especially as investors approach the time when they’ll need to withdraw funds. If you’re using a portfolio to fund your retirement or a significant life expense like college tuition, bonds help protect against sudden stock market dips. With time to weather market fluctuations, younger investors may not need as much exposure to bonds. Still, bonds add stability, allowing investors to rebalance effectively if stocks fall sharply.

Individual Bonds vs. Bond Funds

Investors can choose between individual bonds and bond funds. While individual bonds can be appealing for their specific returns, they’re less liquid, meaning buying and selling them is harder. Bond funds offer better liquidity and diversification, often containing hundreds of individual bonds. This way, if one bond in a fund doesn’t perform well, it impacts only a small fraction of the portfolio, unlike holding a larger portion in individual bonds.

High Yield Bonds: The Balance of Risk and Reward

High-yield bonds offer higher potential returns than regular bonds but come with higher risk. While they’re generally safer than stocks, they’re riskier than average bonds. High-yield bonds can increase returns but should be balanced to avoid excessive risk in your bond allocation.

Interest rates heavily impact bond performance. Bonds faced challenges during periods of rising interest rates. However, with higher starting yields now available, bond investments may provide better protection against downside risks moving forward. When considering bonds' role in your portfolio, it's helpful to focus on future potential rather than past performance.

Faith-Based Investing and Impact Bonds

An exciting development in the bond market is faith-based investing, where investments align with personal values. Faith-based bond funds screen out companies involved in industries like alcohol, tobacco, and gambling, allowing investors to support ethical practices. Praxis Mutual Funds, for example, offers “impact bonds” that fund positive social projects, such as social bonds issued by the African Development Bank to support initiatives like Power Africa.

A bond portfolio can balance traditional bonds with impact bonds, allowing for both financial returns and social benefits. At Praxis, about 35% of the bond fund consists of impact bonds, which they feel is the appropriate level for diversification and positive impact.

For those interested in learning more, Praxis Mutual Funds offers a range of resources, including their annual impact report. This is a great way to see how investments are actively making a difference. Visit PraxisMutualFunds.com to explore more about their equity and impact bond funds.

On Today’s Program, Rob Answers Listener Questions:

• I have a 16-year-old daughter who was awarded a $220,000 settlement. I'm concerned she will have full access to this money when she turns 18, and I don't think an 18-year-old should have that much money. What are my options to prevent her from accessing this money at 18?

Resources Mentioned:

• Praxis Mutual Funds
• Open Hands Finance
• 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.

Christmas is six weeks away, and some folks may already be feeling the stress.

The holidays should be a time of spiritual reflection and reconnection with family and friends…but too often, we lose sight of that in the quest for perfection. Crystal Paine is here to help us stay focused on the actual “reason for the season.”

Crystal Paine is the founder of MoneySavingMom.com and the author of The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most.

1. Start with a Christmas Budget

One of the best ways to enjoy a stress-free holiday is by setting up a Christmas budget. A budget is like a set of guardrails—it keeps you on track, preventing you from overspending or going into debt. Here’s a simple way to create one:

• Determine Your Total Spending Limit: Decide how much you can comfortably spend this season.
• List Your Recipients: Write down everyone you’re buying for and assign a spending amount for each.
• Track Your Spending: Use a spreadsheet or the FaithFi app to keep a running total of your spending.

By creating a budget, you’ll know exactly what you have left to spend without sacrificing your financial well-being for the New Year.

2. Plan Your Holiday Shopping

If you tend to overspend during holiday sales, using cash-only or prepaid gift cards is a great way to ensure you stick to your budget. Here are some extra tips:

• Shop with Gift Cards: Consider using Amazon or store-specific gift cards to control spending.
• Use Deal Sites: Websites like MoneySavingMom.com and RetailMeNot.com offer deals and coupons.
• Best Shopping Times: Black Friday week and the following two weeks are generally the best time to find the deals you’re looking for.

With some planning, you can keep your shopping affordable and enjoyable.

3. Keep Holiday Cooking Manageable

Holiday cooking can be a joy, but it can also become a significant source of stress. It’s advised that you embrace shortcuts where possible:

• Use Pre-Made Ingredients: Don’t feel guilty about using store-bought cookie dough or other pre-made items. Sometimes, it’s just as affordable as homemade.
• One Baking Night: Consider dedicating one evening to bake as a family. Let each person choose one recipe and enjoy the process together without the burden of constant baking all month.

These small changes can bring balance to your holiday kitchen, making it a time of joy rather than stress.

4. Share the Hosting Responsibilities

If you’re hosting family or friends, don’t be afraid to ask guests to contribute. Include a note in your invitation encouraging each family to bring a dish. Not only does this lighten your load, but it also makes the event more collaborative and enjoyable for everyone.

5. Make a Family “December Bucket List”

To bring your family closer during the holiday season, consider creating a “December Bucket List.” Here’s an example: 

• Each Family Member Chooses an Activity: Whether it’s a movie night, baking cookies, or a trip to see Christmas lights, everyone gets a say.
• Add It to the Calendar: Schedule these events to create special memories without feeling overwhelmed.

This approach ensures everyone has a voice and the season feels special without overloading your calendar.

6. Keep Christ the Center of Christmas

Above all, remember the reason for the season. Using an Advent calendar or devotional is an excellent way to keep the focus on Christ for you and your family. Unwrapping the Greatest Gift: A Family Celebration of Christmas by Ann Voskamp is a fantastic advent devotional if you’re looking for a resource for your family to go through this Christmas season. Each day includes a devotional and an ornament symbolizing the story of Christ.

This daily ritual not only reminds everyone why we celebrate but also keeps the true spirit of Christmas in the heart of your home.

As we approach Christmas, let’s aim to make it a season of joy and reflection rather than stress. With a budget, some planning, and a focus on Christ, we can enjoy a holiday that brings peace, love, and lasting memories.

On Today’s Program, Rob Answers Listener Questions:

• My son and daughter-in-law have adopted four Ukrainian children who are now teenagers and looking for college scholarships. I remember someone previously calling your program and mentioning a resource for finding scholarships that have yet to be widely applied, but I didn't write down the details. Do you have any recommendations for where we can find those types of lesser-known scholarship opportunities?
• I was told about a Morgan Stanley mutual fund investment that supposedly pays $12,000 per year. It sounds too good to be true. What is your opinion on this, and are there any similar low-risk investments you would recommend?
• I applied for Social Security benefits after my divorce, but the process has been frustrating. The Social Security office didn't provide all the information I needed up front, and now I'm facing delays getting the required marriage certificate from New York. I would like to know if I can use an old pay stub with my Social Security information to resolve this before they remove me from the system. What do you suggest I do?
• I'm faithfully paying off a credit card debt of around $8,000 that I took on after the death of my mother. I'm currently paying $320 per month. My wife is willing to help me pay this off once she finishes paying off her own credit card. Should I stay the course with the $320 monthly payments or look into rolling over the debt and opening a new credit card with a balance transfer option?

Resources Mentioned:

• MoneySavingMom.com
• Unwrapping the Greatest Gift: A Family Celebration of Christmas by Ann Voskamp
• FastWeb.com | Peterson’s Scholarship Search | Scholarships.com
• 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.

If you’ve ever thought you view the world differently than others—that has probably never been more true.

A new study has revealed a sharp drop in the number of Americans with a biblical worldview. Chad Clark joins us today with his insights.

Chad Clark is the Executive Director of FaithFi: Faith & Finance and the co-author of Look at the Sparrows: A 21-Day Devotional on Financial Fear and Anxiety. 

The State of the Biblical Worldview

Recent findings from the 2023 American Worldview Inventory conducted by Arizona Christian University. This survey, led by Dr. George Barna, polled over 2,000 Americans on topics like marriage, money, and morals. The results were surprising: only 4% of American adults hold a biblical worldview, a percentage that has been on a steady decline. Particularly concerning, just 1% of those under 30 identified with a biblical worldview.

The survey further revealed that even among self-identified Christians, only 6% hold a biblical worldview. This means that a significant majority—94%—are influenced more by cultural values than by God’s Word.

Our Faith Should Transform Our Worldview

While these statistics may be disheartening, it’s helpful to remember that salvation isn’t about having “correct” answers but about grace through faith in Jesus Christ. This faith, rooted in scripture, is meant to shape every aspect of our lives. The Apostle Paul reminds us in Romans 12:2, “Do not be conformed to this world, but be transformed by the renewal of your mind.” We are called not just to know biblical truth but to be transformed by it daily.

Renewal of the mind is a daily journey. Psalm 119 encourages us in this pursuit: “In the way of your testimonies, I delight as much as in all riches... I will delight in your statutes; I will not forget your word.” This verse reminds us that God should be our ultimate treasure, surpassing all earthly riches.

At FaithFi, we strive to help Christians view God as their ultimate treasure, particularly in an area where many struggle: money. Worldly values often dictate how we perceive and use money, but as believers, we are called to manage it as stewards of God’s resources.

A biblical worldview impacts not only our values but also how we handle our finances. FaithFi's mission is to teach, equip, and encourage Christians to allow God’s Word to shape their views on money. It’s not just about learning financial principles—it’s about a transformation of the heart that influences how we manage what God has given us.

How You Can Make a Difference

As we approach the end of the year, we invite you to partner with us in spreading this message. Whether you’ve been positively impacted by FaithFi’s work or are hearing about us for the first time, now is an exciting time to join us. A generous group of donors has set up a $150,000 match, meaning every dollar you give to FaithFi until December 31 will have double the impact.

To learn more and to make your contribution, visit FaithFi.com/Impact. Together, we can encourage more Christians to embrace a biblical worldview in every area of life, including finances.

Thank you for your support and for joining us in this mission. Every gift matters, and with the match, it can go twice as far!

On Today’s Program, Rob Answers Listener Questions:

• I just started Social Security and will soon begin Medicare. I have a small 401(k), $17,000 in credit card debt, and $5,000 in car debt. I need to free up cash flow to afford the $77 monthly Medicare Part B premium. Should I pay off the credit card or car debt first?
• I am coming up on my second anniversary at work. I have not started investing in the company's 401(k) plan because I'm unsettled about where the money will be invested. I don't believe in certain things, so I don't know how to work around that.
• My daughter had $100,000 leftover from her 401(k) after her previous company lost a lot of money. She left the company and wants to know if she should put the $100,000 in an IRA or a Roth account.
• I have a question regarding a good operating budget for my business. If I spend $10 on marketing, what would be a reasonable percentage increase I could expect to make that back? For example, if I pay $10 and make $15 back, what would be a general percentage-wise number that would be reasonable for my business?

Resources Mentioned:

• List of Faith-Based Investment Funds
• FaithFi.com/Impact
• 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.

The Bible is full of wisdom on managing money and possessions, yet there are common beliefs about wealth that are simply unbiblical. These misconceptions can lead people away from God’s truth about finances, creating confusion and stress. Let’s examine five of these myths and explore what the Bible actually teaches.

1. The “I Win, You Lose” Mentality

One widespread belief is that money is a zero-sum game: for someone to have more, someone else must have less. This scarcity mindset fuels anxiety and fear, making people view wealth as something limited.

Scripture, however, reveals God’s generosity and ability to provide abundantly. In Psalm 50:10, God reminds us that He “owns the cattle on a thousand hills.” Jesus also demonstrated abundance in Matthew 14:13-21 when He fed five thousand with just five loaves and two fish, leaving behind twelve baskets of leftovers. God is not restricted by human limitations; His resources are limitless, allowing us to live with trust rather than fear.

2. Building Wealth Is Selfish

Some believe building wealth is inherently selfish and contrary to a life of faith. However, the Bible encourages us to grow wealth wisely for God’s Kingdom. In Proverbs 13:11, we learn, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Wealth can be a tool for godly stewardship, enabling us to bless others.

Building wealth isn’t about hoarding; it’s about using resources to serve others and accomplish God’s purposes. We can earn, save, and give generously with careful stewardship to impact lives and glorify God.

3. More Money Equals More Happiness

Another myth is that more money will bring more happiness. Many pursue wealth, believing it will lead to contentment and fulfillment, yet Ecclesiastes 5:10 warns us, “Whoever loves money never has enough; whoever loves wealth is never satisfied.”

True joy comes not from wealth but from a relationship with Christ. The Apostle Paul beautifully illustrates this in Philippians 4:12-13, “I have learned the secret of being content in any situation, whether well fed or hungry, whether living in plenty or in want. I can do all things through Him who gives me strength.” True contentment comes from God, not from financial abundance.

4. Only 10 Percent Belongs to God

Tithing often stirs debate, but the heart behind our giving matters most. Viewing only ten percent as God’s and the rest as ours is misleading; everything we have belongs to God. This mindset risks making generosity about pride, as if giving more makes us better Christians.

When we recognize God’s ownership of all things, our giving becomes a humble response to His generosity. As Deuteronomy 10:14 says, “To the Lord your God belong heaven and the heaven of heavens, the earth with all that is in it.” Like David prayed, “Everything comes from you, and we have given you only what comes from your hand.”

5. Giving More Money Means Receiving More Money

The final myth is that if we give generously, God will always respond by giving us more money. While God blesses obedience and faithfulness, His blessings are not limited to financial gain. Blessings from God come in many forms—wisdom, peace, relationships, and spiritual growth.

The Bible cautions against trying to “bargain” with God for financial returns. Giving should come from a heart of worship and gratitude, not from an expectation of receiving. God’s blessings often transcend wealth, fulfilling our deeper needs beyond money.

These common myths about money can lead us away from God’s wisdom, yet by staying rooted in Scripture, we can find true financial peace. Understanding what the Bible really says helps us manage our resources faithfully, focusing on generosity, trust, and purpose. As we reject these unbiblical beliefs, we can steward God’s resources wisely, with an eternal perspective that honors Him.

On Today’s Program, Rob Answers Listener Questions:

• I'm about to lose our house with a big mortgage company. They had me do a forbearance and then a modification, but I couldn't afford the modified payments. Now, they're telling me to wait until it's denied and apply for another modification, but I'm worried they're trying to get me to wait so they can foreclose since we have a lot of equity. Is there help available to work with the mortgage company?
• I worked at a company with an ESOP and got fired for sharing my faith. About a month before, my wife felt strongly that we should pay off our house. Now, I'll have access to the ESOP money this fourth quarter. Should we use that to pay off the house this year, even though it will impact our taxes? Or should we wait until next year for tax reasons?
• I'm retiring in 6 months and have $520,000 in retirement accounts. An investment firm has offered an annuity that would add 30% to my balance and provide an 8% annual increase if I delay withdrawals. If I start withdrawals in the first year, they will pay me $42,925 per year for life. Is this annuity option beneficial for my situation?
• My husband plans to retire at age 55. Can he work part-time and still withdraw money from his 401(k) without penalty? And if he returns to work full-time, can he still withdraw from that 401(k) without the 10% penalty?

Resources Mentioned:

• U.S. Department of Housing and Urban Development (HUD.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.

Having an emergency fund is great, but how can you ensure it’s there when you really need it? It’s easy to set aside money for a rainy day, but what happens when we start dipping into that fund for things that aren’t actually emergencies?

The Bible has much to say about wisdom and preparation, and Proverbs 21:20 offers a powerful reminder: 

“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours them.”

This verse highlights the importance of saving rather than consuming everything we earn, urging us to be prepared for the inevitable challenges that come our way. An emergency fund is one of the most effective financial tools for navigating these moments. It provides a safeguard against unexpected expenses and helps you avoid unnecessary debt.

Financial emergencies are almost a certainty in life. They can range from minor inconveniences, like a flat tire, to major setbacks, like a costly medical bill. Establishing an emergency fund reduces stress and provides a financial defense. While building wealth requires a good offense, protecting that wealth requires a strong defense, and an emergency fund is central to that strategy.

How Much Should You Save?

To get started, aim to save an introductory fund of $1,000 to $1,500 for minor emergencies. Once you’ve paid off all debt except for a mortgage and are taking advantage of any employer matching contributions, work toward a fully-funded emergency fund of three to six months’ worth of living expenses. This larger reserve will protect you from significant financial disruptions, such as job loss or a major health crisis.

When to Use Your Emergency Fund: Three Key Questions

Not every expense is a true emergency. Before tapping into your emergency fund, ask yourself these three questions:

1. Is This Urgent? If an expense can wait, it might not be an emergency. Consider saving up instead for non-urgent needs.
2. Is This Necessary? Understanding the difference between needs and wants is essential. A functional, affordable solution often serves better than a luxury purchase.
3. Is This Unexpected? Some expenses, like holidays or birthdays, are predictable and don’t qualify as emergencies. Plan ahead for these recurring costs to keep your emergency fund intact.

Using Your Emergency Fund Wisely

Even when an expense qualifies as an emergency, aim to spend as little as possible. Adjust your budget temporarily to make funds stretch further, and focus on replenishing your emergency fund as soon as possible.

A well-funded emergency account provides more than financial security—it allows you to maintain peace of mind and continue giving generously, regardless of the circumstances. By preparing for the unexpected, you’re also equipped to live out your values, knowing you’re ready for whatever comes next.

On Today’s Program, Rob Answers Listener Questions:

• I have to take the RMD this year and want to roll it over to an IRA to make the Qualified Charitable Distribution (QCD). However, I have deferred compensation, and they said they can't do that. Can I roll it over to an IRA? If so, how do I do that? Does it cost money? Do I have time before the end of the year?
• My question is about tithing. Tithing is mentioned in the Old Testament, but in the New Testament, Paul stresses giving from the heart. Some say they give as they purpose in their hearts, sometimes more, sometimes less. I'd like your opinion on this.
• I'm 65, recently retired, and will only receive a partial paycheck until Q1 2025. I have $10,000 in credit card debt and a $10,000 car loan but only $50,000 in my IRA. Would it be wise to withdraw $10,000 from my IRA to pay off the car loan since I won't be able to afford the $400 monthly payment once my partial paycheck ends?

Resources Mentioned:

• 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.

In 1897, hymn writer Johnson Oatman Junior penned the timeless words, “Count your blessings, name them one by one,” a refrain that has encouraged generations. It reminds us of the profound role gratitude plays in the Christian life. As Thanksgiving approaches, this theme of gratitude takes on even greater significance. Let’s look closer at Oatman’s hymn and the enduring truths it holds for us.

The Importance of Gratitude

Thankfulness isn’t just a holiday sentiment. It’s foundational to a life of faith. In 1 Thessalonians 5:18, we’re reminded to “give thanks in all circumstances; for this is God’s will for you in Christ Jesus.” Gratitude reorients our focus, reminding us of God’s faithfulness, especially in challenging times. As Oatman writes in the first verse: 

“When upon life’s billows you are tempest-tossed… Count your many blessings, name them one by one… And it will surprise you what the Lord has done.”

By acknowledging God’s goodness, we find renewed strength even in hardship.

Fear and doubt can feel overwhelming, but gratitude has the power to shift our perspective. Psalm 118:4-5 reminds us, 

“Out of my distress I called on the Lord; the Lord answered me and set me free.”

Focusing on our blessings brings us peace, as Jesus reassures us in John 16:33: 

“In this world you will have trouble. But take heart! I have overcome the world.”

Reflecting on God’s provision can dissolve doubts, replacing anxiety with trust.

The hymn’s second verse emphasizes this: 

“Are you ever burdened with a load of care? … Count your many blessings, ev'ry doubt will fly.” 

When we reflect on God’s faithfulness, we are reminded of His constant presence and care, as David beautifully expresses in Psalm 23.

Gratitude Refines Our Priorities

Oatman’s third verse warns against comparing ourselves to others, stating: 

“When you look at others with their lands and gold… think that Christ has promised you His wealth untold.”

Focusing on the eternal treasure we have in Christ brings contentment. Jesus offers a peace the world cannot give: 

“Peace I leave with you; my peace I give to you… Let not your hearts be troubled.” - John 14:27

Gratitude shifts our hearts away from jealousy toward contentment rooted in Christ. The hymn's refrain encourages a simple yet powerful practice: 

“Count your blessings, name them one by one… see what God has done.”

When was the last time you paused to reflect on the blessings in your life? Set aside time today to list every blessing you can think of, big or small. It’s a great activity for the entire family—kids included—and you might be surprised at how much you have to be thankful for!

Acknowledge the Giver of Every Good Gift

While counting blessings is a valuable practice, as Christians, we’re called to take it one step further. James 1:17 reminds us: 

“Every good gift… is from above, coming down from the Father.”

We should not only count our blessings but also recognize that every blessing is a gift from God. Take a moment to thank Him for each item on your list, and let gratitude renew your joy.

Johnson Oatman’s hymn ends with a final reminder: 

“So, amid the conflict whether great or small… Do not be discouraged, God is over all.”

Whatever you face, remember that gratitude can lift your spirit and strengthen your faith. Count your blessings, embrace gratitude, and remember God is with you through every trial. Let’s start counting today, knowing that our faithful God is at the heart of every blessing!

On Today’s Program, Rob Answers Listener Questions:

• I borrowed money from my 401(k) to buy a home but had trouble paying. My plan converted the loan to a hardship distribution with a 35% tax penalty. How can I avoid this penalty?
• My wife will be 62 in August. She's retired, but we still file taxes jointly. I was thinking about her taking her Social Security early. Would it be taxed since I still work?
• I own a land-flipping and splitting business. We are about $5.5 million in debt and have brought in about $1.2 million in average revenue over the last few years. What is a good debt-to-income ratio for a small business like mine?
• I need $175,000 to finish building our final home. My accountant suggested I borrow from one of my rental properties instead of taking it from my IRA and paying taxes. I'm struggling with that - I don't want the monthly payments. Should I just take the money from the IRA and pay the taxes or borrow from the rental property?

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.

Psalm 82:3 says, “Give justice to the poor and the orphan, uphold the rights of the oppressed and the destitute.”

This powerful verse reminds us of our responsibility to care for those in need. Today, we turn our attention to a ministry doing just that—India Partners, which is providing hope and rescue to the oppressed 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 Horrific Reality in India

India is a nation of contrasts—technologically advanced in many respects, yet home to nearly 300 million people living in extreme poverty. Among the most vulnerable are young girls, some as young as eight, who are trafficked into red-light districts and subjected to unimaginable horrors. These girls endure horrific conditions, facing abuse daily in slums filled with filth and open sewage. The purpose of this abuse is to break their spirits, forcing them to believe they have no escape and no hope of a future.

India Partners, a ministry that has been rescuing victims of human trafficking for over 40 years, works tirelessly to save these young girls from this life of exploitation. Through their rescue efforts, they take these girls from the red-light districts to safe houses where they receive love, care, and, most importantly, the hope of Jesus.

Safe Houses: A Place for Healing

India Partners' safe houses offer full care, including room and board, private Christian education, medical attention, and trauma counseling. Each girl receives individual and group therapy to address the deep wounds inflicted upon them. Over time, these girls are not only physically rescued but spiritually healed, learning their true identity in Christ as beloved daughters of God.

How You Can Help

As stewards of God’s resources, we have a role to play in alleviating this suffering. You can partner with India Partners to bring hope and healing to these young girls. For just $8.89, you can underwrite a day of care for one girl. Visit IndiaPartners.org/faith to learn more and give generously.

Your support of India Partners allows you to be the hands and feet of Jesus, offering rescue, healing, and hope to those in desperate need. Visit IndiaPartners.org/faith today and make a difference in the lives of India’s most vulnerable.

On Today’s Program, Rob Answers Listener Questions:

• We are buying a new home and selling our current home, which we purchased over 30 years ago for $100,000 and is now worth $500,000-$550,000. Will we have to pay capital gains tax on the sale?
• How do you determine whether a reverse mortgage would be beneficial?
• I own a condo with no mortgage and want to buy an investment property. The bankers are telling me to take out equity from my condo to do this, but I need clarification on this. Wouldn’t it be better to get a conventional or FHA loan for the investment property instead?
• In a divorce situation where one spouse was a stay-at-home parent for many years, what determines the obligation for spousal support or alimony, especially if that spouse has a disability and limited assets?

Resources Mentioned:

• India Partners
• Movement Mortgage
• Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist
• 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.

Marriage is a living relationship that requires constant care and attention. Dr. Gary Chapman, renowned author of The 5 Love Languages: The Secret to Love that Lasts, highlights this in his resource, A Couple’s Guide to a Growing Marriage. This Bible study helps couples invest in their marriage with a structured, intentional approach, ensuring their relationship grows stronger.

Working on your marriage benefits not just the couple but also their children and the broader community. Strong marriages create strong families, which have a positive impact on society. For Christian couples, it’s essential to follow biblical principles for marriage, as the Bible has much to say about how to nurture this sacred relationship.

What’s In The Study?

This 12-week Bible study includes:

• Weekly Activities and Bible Study: Each session starts with an opening activity and a Bible study focused on topics related to marriage and our relationship with God.
• Practical Exercises: Couples engage in learning exercises that apply biblical teachings to their relationship.
• Scripture Memorization: Memorizing verses helps reinforce the lessons learned.
• Daily Conversations: Couples are encouraged to have daily conversations with God and with each other, fostering open communication and deeper understanding.

Topics covered include communication, expressing love, handling anger, and resolving conflicts—essential skills for any marriage.

The Importance of Communication

A key theme in the study is the importance of regular, honest communication. Marriages don’t drift together; they drift apart. Therefore, couples must intentionally spend time together, discuss their feelings, and address issues. By listening to each other with the goal of understanding, not arguing, couples can find solutions and strengthen their bond.

Managing Finances Together

One chapter focuses on making money an asset to your marriage while stressing the importance of financial transparency and fidelity. Managing money together is a significant part of marriage, and disagreements over finances are common. The study encourages couples to align on issues like giving, saving, and spending while working as a team to manage household finances.

The Win: A Stronger, Healthier Marriage

Couples who commit to this study will be better equipped to nurture a loving, supportive, and united marriage. Not only will they benefit, but their children will also see a healthy model of financial and relational teamwork.

Dr. Chapman’s A Couple’s Guide to a Growing Marriage offers a pathway to the marriage every couple dreams of—one built on love, trust, and shared faith.

On Today’s Program, Rob Answers Listener Questions:

• I have a friend who buys a house a year and uses it for Airbnb. He's profitable. I'm just concerned about what they're talking about, the economy, and the changes that might happen. I would like to know your thoughts and an exit strategy should things go south.
• My husband and I are dairy farmers with operating and capital lines of credit. We've struggled to make progress on these lines in the last couple of years. We have some money in a Roth IRA that we're considering using to pay down the lines of credit, which now have an 8.5% interest rate. Would there be any tax consequences to withdrawing the Roth IRA funds?

Resources Mentioned:

• A Couple's Guide to a Growing Marriage: A Bible Study by Dr. Gary Chapman
• The 5 Love Languages: The Secret to Love that Lasts by Dr. Gary Chapman
• 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.

“Test everything; hold fast what is good.” - 1 Thessalonians 5:21

In that verse, the Apostle Paul teaches that we should practice discernment in all things. We would include financial advice.

One of the most common questions we receive is, "How can I choose a financial advisor who I can trust and who fits my financial situation?" Fortunately, there are practical steps you can take to ensure you find someone reliable, especially by starting with a Certified Kingdom Advisor (CKA).

At FaithFi, we recommend beginning your search with Kingdom Advisors. With over 1,600 CKAs, these professionals are skilled in various financial disciplines and share your Christian values. You can easily connect with one by visiting our website and clicking "Find a Professional."

When selecting a financial advisor, we always recommend interviewing two or three candidates to find the best fit. Below are key questions to help guide your conversations.

1. Experience and Qualifications

• How long have you been in practice?
• What professional certifications do you hold?
• Can you tell me about your practice and areas of specialty?

These questions help you understand their background and expertise, ensuring they’re experienced in the areas you need help with.

2. Service Expectations

• Will you or an associate work with me directly?
• How long will it take to complete my work?
• What are your client response times and communication methods?

These questions clarify what kind of service you’ll receive and help you set realistic expectations for timelines and communication.

3. Referrals and Reputation

• Do you have clients in similar situations who might speak with me?
• Are you in good standing with your professional associations?
• Have you ever been cited for disciplinary reasons or had complaints filed against you?

Asking about their reputation and seeking referrals ensures you work with someone respected and trustworthy.

4. Compensation Structure

• How are you compensated—fees, commissions, or both?
• Do you charge for initial consultations?
• What do you project my costs will be for your services?

Understanding how fees are paid is critical. Ask how fees are structured and calculated to avoid surprises down the road.

Take the Next Step

Choosing the right financial advisor requires diligence. These questions will help you make an informed decision and find someone who aligns with your values and financial needs. We encourage you to begin your search with a Kingdom Advisor by visiting FaithFi.com and clicking “Find a Professional.”

By following this process, you’ll connect with someone who offers expert financial advice and shares your faith and values.

On Today’s Program, Rob Answers Listener Questions:

• What is the minimum time frame to hold a losing stock before selling and reinvesting in a potentially different stock? Also, what would be a good resource to research the legitimacy and potential of a brand-new stock?
• I recently had two data breaches—one with my retirement fund and one with my bank. Both offered free credit monitoring services. Is it advisable to use both monitoring services at the same time? And is the CyEx company reputable?
• I'm recently retired, and I have a 9-year-old car that I really like. Some of my friends have recently purchased new cars, and I'm concerned about feeling pressured to buy an electric or hybrid vehicle. Is there an urgency for me to replace my older car that's still running well, or can I just stick with my current car?
• I'm retired and thinking of selling a rental property. How is the capital gains tax rate determined? Is it based on my total or adjusted gross income? If I have $400,000 in capital gains, would that get added to my other income to figure out the tax bracket?

Resources Mentioned:

• Motley Fool | Morningstar | MarketWatch | Seeking Alpha | Yahoo Finance
• AnnualCreditReport.com | Credit Karma
• 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.

“Train up a child in the way he should go; even when he is old he will not depart from it.”- Proverbs 22:6

God’s Word tells us that children should be taught early how to live wisely and righteously, including how to handle money. Howard Dayton is here to explain why it’s especially important to teach kids about the dangers of debt.

Howard Dayton is the founder of Compass Financial Ministry and the former host of this program. He is also the author of a number of books on the topic of Christian Finance and Stewardship.  

The Little-Big Principle: Starting Small

The Little-Big principle is based on Luke 16:10: “He who is faithful in a very little thing is faithful also in much.” This principle encourages parents to start small when teaching children about money. The idea is to give kids small amounts to manage, like nickels and dimes, and then gradually increase the amount as they prove responsible. Eventually, they’ll be prepared to manage larger amounts of money.

Parents should aim to steadily increase their children’s financial responsibilities so that by the time they’re seniors in high school, they’re independently managing most of their finances, aside from essentials like food and shelter. They should also be as systematic in teaching children about money as schools teach them to read and write—starting with the basics and progressing over time.

When children reach their junior year in high school, they should open a checking account and get a secured credit card. This allows them to learn critical skills, like reconciling budgets and paying off balances in full each month. Developing these habits early on can set them on a path to financial freedom and help them avoid debt throughout their lives.

The MVP Parenting Method: Model, Verbalize, and Provide Practical Opportunities

The MVP method—modeling, verbal communication, and practical opportunities—is a very beneficial framework for teaching children about money. All three are essential for training children to be good stewards of God’s resources.

1. Modeling

Parents must lead by example. In 1 Corinthians 11:1, Paul said, “Follow my example, as I follow the example of Christ.” Children learn by watching their parents handle money wisely, so parents need to demonstrate sound financial stewardship. Whether budgeting, giving, or avoiding debt, children are more likely to adopt these habits when they see them modeled in everyday life.

2. Verbal Communication

The Bible instructs us to teach our children about God’s ways consistently. Deuteronomy 6:6-7 encourages parents to impress God’s commandments upon their children and talk about them regularly. Parents should frequently discuss biblical financial principles with their kids, helping them understand how these truths apply to their own lives.

3. Practical Opportunities

Giving children opportunities to apply what they’ve learned is essential. Hands-on experiences help children understand the impact of debt in a tangible way.

Resources for Financial Discipleship

For parents looking to dive deeper, Howard Dayton and Compass Financial Ministry offer a resource titled Financial Discipleship for Families: Intentionally Raising Faithful Children. This book provides more detailed guidance on teaching kids about finances from a biblical perspective and is available through Amazon or Compass Financial Ministry’s website.

Teaching kids about money doesn’t happen overnight. It’s a process that requires modeling good habits, consistent communication, and providing practical opportunities for them to learn. By applying the Little-Big principle and becoming MVP parents, you can equip your children with the financial wisdom they need to be faithful stewards of God’s resources for a lifetime.

For more tools and resources, visit Compass Financial Ministry at CompassFinancialMinistry.org. 

On Today’s Program, Rob Answers Listener Questions:

• I've had some health issues over the last seven months, and my kids would like me to move out to Washington State. I found a lovely condo that interests me, but it's a co-op. I didn't know much about co-ops, so I would like to know if you have any words of wisdom for me about what I should be aware of when considering a co-op property.
• For the past three years, I've been giving through the required minimum distribution (RMD) program. My church has been happy to receive these funds, but I'm still working. I was told you don't have to take the RMD if you're still working. Is that true?
• I have an IRA and retirement account to be divided equally between my three children. One of my children's spouses does not handle money well. Can I set up a trust for that child's portion to distribute according to my wishes when I pass away? My son, the executor, doesn't want to do this because he's concerned it could cause problems.
• I have an old revocable trust, over 40 years old, that no longer reflects my current situation. Is there any way I can get rid of this trust without going through many steps or spending a lot of money with an attorney?
• I'm 64 years old and considering end-of-life planning and documents. I want to ensure my affairs are in order and avoid probate when I'm gone. But the lawyers are quoting me $3,000 to $5,000 to get everything set up. Can I get this done more affordably without spending that much? I'm not great at paperwork, so I'm looking for an option that only requires a little DIY.

Resources Mentioned:

• Compass Financial Ministry
• Financial Discipleship for Families: Intentionally Raising Faithful Children by Brian C. Holtz
• Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue
• 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.