Faith & Finance

Is it possible to have everything—and still be missing the one thing that matters most? That’s not just a philosophical question. Scripture gives us real-life examples of people who appeared successful by every measure, yet walked away empty. On today’s episode, Bob Shank—founder of The Master’s Program—joins us to help unpack how Jesus challenges our definition of wealth and invites us into something far greater. Why the Desire for “More” Is So Universal Across cultures, generations, and economic backgrounds, one desire seems to unite us all: the desire for more. According to Bob Shank, that longing isn’t inherently sinful—it’s actually part of how God designed us. From the beginning, God created humanity with a mindset of multiplication (Genesis 1:28). We were wired to grow, build, and increase. But sin distorts that desire, redirecting it toward the wrong things. The problem isn’t the desire for more—it’s what we define as “more.” God calls us to pursue more of what truly satisfies: His presence, His purposes, and His Kingdom. Why Wealth Never Fully Satisfies Even when people pursue wealth responsibly and achieve their financial goals, something often still feels incomplete. Why? Because, as Bob explains, redemption reshapes our desires. When the Holy Spirit renews our hearts, we begin to long for something this world cannot provide. What once satisfied us begins to feel insufficient. That lingering dissatisfaction isn’t a flaw—it’s a grace. It’s God’s way of reminding us that we were made for more than material success. As Ecclesiastes 3:11 says, “He has put eternity into man’s heart.” The Rich Young Ruler: A Case Study in Misplaced Wealth Few stories capture this tension more clearly than the account of the rich young ruler (Matthew 19:16–22, Mark 10:17–22, Luke 18:18–23). Here was a man who had everything—wealth, influence, and moral discipline. Yet he approached Jesus with a revealing question: “What must I do to inherit eternal life?” On the surface, it sounds like a spiritual question. But beneath it was something deeper—a longing that success had failed to satisfy. Jesus’ response is both familiar and often misunderstood: “Sell your possessions, give to the poor… and you will have treasure in heaven. Then come, follow me.” (Matthew 19:21) Most people focus on what the man was asked to give up. But just as important is what Jesus was offering: treasure in heaven. Jesus wasn’t condemning wealth—He was redirecting it. What Is “Treasure in Heaven”? Bob Shank highlights a key insight: the word “treasure” in this passage points to abundance—something stored, secured, and lasting. Jesus wasn’t asking the man to lose his wealth, but to relocate it. Instead of storing up treasure in an uncertain, temporary world, Jesus invited him to invest in something eternal—something protected and secure. As Jesus teaches elsewhere: “Do not lay up for yourselves treasures on earth… but lay up for yourselves treasures in heaven.” (Matthew 6:19–20) The issue wasn’t possession—it was placement. The Deeper Question: Who Owns It All? At the heart of this encounter is a foundational question: Who really owns your wealth? Many of us live as though what we have is ours now, and someday it will belong to God. But Scripture paints a very different picture: “The earth is the Lord’s, and everything in it.” (Psalm 24:1) Everything we have already belongs to Him. We are not owners—we are stewards. And what we do with God’s resources in this life has eternal significance. A Warning from the Rich Fool This truth is reinforced in another parable: the rich fool (Luke 12:13–21). In that story, a man accumulates more than he needs and decides to build bigger barns to store it all. His goal? Independence. Security. A future free from reliance on God. But God calls him a fool. Why? Because he stored up treasure for himself but was “not rich toward God” (Luke 12:21). The problem wasn’t planning or saving—it was hoarding beyond purpose. God’s design is clear: Provide for your needs Prepare for what’s next Distribute the excess for His purposes Undistributed resources, as Bob puts it, become spiritually irrelevant. Redefining What It Means to Be Rich So what does it look like to be truly rich? It means shifting our perspective from short-term gain to eternal investment. In the world of finance, we understand that longer-term investments often yield greater returns. Jesus applies that same principle spiritually: The greatest return comes from investing in what lasts forever—God’s Kingdom. This doesn’t mean neglecting wise financial planning. It means placing our ultimate hope, security, and purpose in something beyond it. The Invitation: From Accumulation to Alignment The rich young ruler walked away because he couldn’t let go of what he thought defined his security. But Jesus’ invitation still stands for us today: Move your treasure Reframe your definition of wealth Align your resources with God’s purposes Because in the end, the richest life isn’t the one that has the most—it’s the one that uses everything for what matters most. Want to Go Deeper? If this conversation stirred something in you, we’d love to invite you to explore it further. Bob Shank expands on these ideas in his powerful article featured in the latest issue of Faithful Steward magazine. When you become a FaithFi Partner, you’ll receive every issue—along with biblical insights and practical guidance to help you steward God’s resources with wisdom and purpose.  Just visit FaithFi.com/Partner to learn more and join us. On Today’s Program, Rob Answers Listener Questions: I’m 59 with no retirement savings, but I’m starting to set aside $100 a week. My employer doesn’t offer a 401(k). What’s the best retirement plan for me? My husband and I are in our 40s with an outdated $300,000 term policy from our 20s. We now have a new home and two kids. How much coverage do we need, and where should we start? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Rich in What Really Matters (Article by Bob Shank in Faithful Steward, Issue 5) The Master’s Program Policygenius Schwab Intelligent Portfolios® Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A discussion about seeing money as a received gift that invites gratitude. Reflections on how finances reveal what we truly trust. Practical ideas for using earning, saving, and investing as tools for generosity. Concrete tips on credit scores, inquiries, rebuilding credit, and handling inherited coin collections.

“Blessed is the one who finds wisdom, and the one who gains understanding, for her profit is better than silver, and her gain surpasses gold.” - Proverbs 3:13–14 Making wise financial decisions early in life can set the stage for long-term stability, freedom, and generosity. But for students and young professionals just starting out, the question remains: Where do you begin? On today’s episode, Bob Doll—CEO and Chief Investment Officer at Crossmark Global Investments—joined us to share practical, faith-rooted guidance to help young adults build a strong financial foundation from the very start. Start With a Plan Every wise financial journey begins with a plan. Bob emphasizes that a budget is the starting point—simply knowing what’s coming in and what’s going out. Without a plan, it’s easy to drift financially. With one, you gain clarity and direction. From there, establish an emergency fund—typically three to six months of expenses—to prepare for life’s unexpected turns. And just as importantly, avoid high-interest debt, especially credit card debt. Left unchecked, debt can quickly undo financial progress. Learn From Others—and Seek Guidance One of the fastest ways to grow in financial wisdom is to observe others. Look at those who are thriving financially—and those who are struggling. What patterns do you see? What choices led them there? Bob encourages young adults to seek out mentors and wise counsel. A trusted advisor or a financially mature believer can help you avoid common pitfalls such as overspending or neglecting savings. And don’t underestimate the value of learning. Reading solid, biblically grounded resources can shape your thinking and help you develop lifelong habits of stewardship. Embrace a Biblical Perspective on Money At the heart of financial wisdom is a simple but transformative truth: It’s not our money. Everything we have—our income, possessions, time, and abilities—belongs to God. We are stewards, entrusted to manage His resources faithfully. This perspective reshapes everything. It moves us from ownership to stewardship, from control to surrender, and from self-focus to God’s purposes. Don’t Miss the Opportunity to Be Generous One of the most powerful lessons Bob shared came from personal experience. Early in his career, he and his wife avoided overspending—but they realized later they had accumulated more than they needed, missing opportunities to give generously. His advice? Start giving early. As Acts 20:35 reminds us, “It is more blessed to give than to receive.” Generosity isn’t something to postpone until you have “more.” It’s a discipline that shapes your heart right now. God often uses generosity to transform us—deepening our trust, increasing our joy, and aligning our hearts with His. Harness the Power of Compounding When it comes to investing, time is your greatest asset. Even small, consistent contributions can grow significantly over time thanks to compound interest. Starting early allows your money more time to grow, making a dramatic difference over decades. Bob encourages young adults to: Begin investing as soon as possible Take advantage of employer-sponsored retirement plans—especially matching contributions Consider tools like a Roth IRA for long-term, tax-advantaged growth Consistency matters more than timing. Regular investing—even in small amounts—can lead to substantial results over time. Align Your Investments With Your Values Today, investors have more opportunities than ever to align their portfolios with their faith. That means considering not just financial returns, but also how companies operate and what they produce. As Bob points out, our investments should reflect the same values we aim to live out in every other area of life. Faith-based investing allows you to steward your resources in a way that honors God—not just in giving, but in growing what He’s entrusted to you. Build Rhythms That Last Financial success isn’t built on one-time decisions—it’s shaped by consistent habits. Set goals. Track your progress. Celebrate milestones along the way. And remember, balance matters. God invites us to enjoy His provision while also preparing for the future. When progress feels slow, stay the course. Faithful stewardship over time leads to lasting fruit. Prioritize Unity in Marriage For those entering marriage or building a young family, communication around money is essential. Financial disagreements are one of the leading sources of conflict in relationships. That’s why it’s crucial to: Talk openly and regularly about finances Set shared goals Pray together for wisdom and unity When couples align their hearts and decisions before the Lord, they create a foundation of trust and purpose that strengthens both their finances and their relationship. Starting Strong Starting strong financially isn’t about perfection—it’s about direction. As you build your career and manage your resources, remember this: wisdom is more valuable than wealth. When you seek God’s perspective on money and apply it faithfully, you’re not just building financial stability—you’re cultivating a life that reflects His purposes. And that’s a foundation that will last far beyond your bank account. On Today’s Program, Rob Answers Listener Questions: I’m 35, married, have no kids, and have no significant assets—do I still need a will, and how would I set one up? My two sons have special needs and some retirement savings. Is there a way to withdraw that money without early withdrawal penalties? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Crossmark Global Investments The Treasure Principle, Revised and Updated: Unlocking the Secret of Joyful Giving by Randy Alcorn Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy Alcorn ABLE National Resource Center Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In rural Malawi, many children wake each day unsure if they’ll eat, relying on water that can make them sick. For families living in deep poverty, this isn’t an occasional hardship—it’s daily life. Yet even in these conditions, there is hope. Today, we were joined by Aaron Griggs of Cross International, a Christian humanitarian and development ministry, to talk about how lives are being changed in places like Malawi through practical help and the hope of the gospel. Life in Rural Malawi: A Daily Struggle for Survival In remote villages like Tanganyika, life revolves around meeting the most basic needs. Families often don’t know where their next meal will come from, and many children go to bed hungry. Access to clean water is one of the greatest challenges. Most families rely on open water sources contaminated with bacteria, leading to frequent illness—especially among children who are already malnourished. These illnesses not only weaken their bodies but also rob them of the nutrients they desperately need. Housing is fragile and unsafe, medical care is scarce, and education is often out of reach due to cost. Add to that years of severe drought that have devastated crops, and the cycle of poverty deepens. And yet, as Aaron shared, these families are resilient—working hard, doing their best, and holding onto hope for a better future. The Hidden Cost of Unsafe Water Contaminated water doesn’t just affect health—it disrupts every part of life. Children, especially girls, often spend hours each day walking long distances to collect water. That’s time they could be spending in school. At the same time, women are unable to pursue income-generating work, making it even harder for families to afford school fees. Even when children attend school, frequent illness makes it difficult for them to focus and learn. Over time, they fall further behind, limiting their future opportunities. A Long-Term Approach to Breaking the Cycle Cross International doesn’t just meet immediate needs—they focus on lasting transformation. Their approach is built on a partnership with local ministries. Rather than imposing outside solutions, they work alongside community leaders to create sustainable, long-term change. This model has proven effective. Many of their ministry partners have been serving their communities for over a decade, allowing them to witness real transformation—physically, economically, and spiritually. Bri’s Story: A Life Transformed One powerful example is a young girl named Bri. After her father passed away, Bri’s family lost everything. Her mother, Ines, was left to raise three children alone, struggling to find work and provide even basic necessities. They lived in a fragile, unsafe home, and Bri often went to bed hungry and sick from drinking unclean water. School wasn’t even an option. But everything changed when Bri joined Cross International’s after-school program. Her school fees were covered, allowing her to return to the classroom. She now receives a daily nutritious meal, academic support, and the chance to simply be a child—playing, learning, and building friendships. Most importantly, she is learning about Jesus. Bri’s favorite Bible story is Zacchaeus (Luke 19:1–10). She loves how he was determined to see Jesus—and how Jesus responded by coming to his home. Now, Bri understands that Jesus sees her too, loves her, and is always with her. More Than Aid: Restoring Dignity and Hope The impact extends beyond children. Bri’s mother, Ines, has received support to start a small business, creating a sustainable way to provide for her family. The after-school program has become a community hub—offering not just education and meals, but also encouragement, prayer, and spiritual growth. Facilities built through this partnership are used for worship services and community gatherings, strengthening both families and the broader village. By addressing physical needs—like food, water, housing, and education—doors are opened to share the love of Christ in meaningful, lasting ways. An Invitation to Make a Difference While stories like Bri’s are encouraging, many more children are still waiting. The need is great—but so is the opportunity. As Aaron reminded us, God doesn’t call us to solve everything. He simply asks us to be faithful with what we’ve been given (Luke 16:10). Like the boy who offered his five loaves and two fish (John 6:1–13), what we place in God’s hands can be multiplied far beyond what we imagine. Through this partnership, just $62 can provide a child with school fees, daily meals, clean water, and biblical teaching that points them to Christ. If you’d like to be part of this work and help reach children like Bri, you can give at FaithFi.com/Cross. On Today’s Program, Rob Answers Listener Questions: I understand how QCDs work and have been using them through my IRA. My question is about documentation—do QCDs require the same ‘contemporaneous’ receipt as regular charitable gifts? And if the IRS questioned it, what proof should I have, especially if the checks are sent directly to charities? What’s the difference between a Roth IRA and a traditional IRA? Can someone open a 401(k) without being an employee? And what are the contribution limits for each? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Cross International Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” — Proverbs 11:14 When it comes to managing money, Scripture reminds us that we were never meant to do it alone. Financial decisions carry both practical and spiritual weight, shaping not only our future but also our faithfulness. On today’s episode of Faith & Finance, Sharon Epps, President of Kingdom Advisors, explores why wise counsel matters—and how Certified Kingdom Advisors (CKA®s) are helping believers steward God’s resources with clarity and conviction. What Is a Certified Kingdom Advisor? A Certified Kingdom Advisor (CKA®) is a financial professional who is both spiritually grounded and professionally equipped to help individuals and families make financial decisions rooted in biblical wisdom. As Sharon Epps explains, a CKA® is someone who is: Biblically trained Professionally qualified Passionate about helping others make faith-informed financial decisions CKA®s come from a range of professions, including financial planning, accounting, investing, insurance, and law—but they share a common commitment to integrating faith into their work. A Standard Built on Biblical Wisdom The CKA® designation is not a casual credential—it reflects a rigorous and intentional process. Sharon Epps highlighted that candidates complete: 90 hours of college-level study A five-hour proctored exam A real-life case study applying biblical principles to financial planning This training equips advisors not only with technical expertise, but also with a framework for applying Scripture to everyday financial decisions. More Than a Credential—A Heart Transformation One of the most compelling insights Sharon shared is that becoming a CKA often transforms the advisor as much as it equips them. One advisor wrote: “My practice is no longer just about financial acumen—it’s about integrating faith and finance.” Another shared: “This journey has been a catalyst for spiritual growth and discernment.” These stories reflect a deeper reality: when financial advice is shaped by Scripture, it changes not only how money is managed, but how people live. Why It Matters for Your Financial Journey So why should you consider working with a Certified Kingdom Advisor (CKA®)? Sharon Epps put it simply: money is a tool, and we need wise guidance to use it well. A CKA helps you: Make decisions aligned with a biblical worldview Stay grounded in Scripture and prayer Pursue faithfulness, not just financial success In a culture that often measures progress by accumulation, a CKA® helps reframe the goal toward stewardship, generosity, and trust in God. Taking the Next Step If you’re looking for financial guidance that aligns with your faith, connecting with a Certified Kingdom Advisor (CKA®) can be a powerful next step. As Proverbs reminds us, there is safety in an abundance of counsel—and the right advisor can help you move forward with wisdom, confidence, and a deeper sense of purpose. Find a Certified Kingdom Advisor Ready to take that next step? You can connect with a Certified Kingdom Advisor (CKA®) in your area by visiting FindaCKA.com. There, you’ll find trusted professionals who are equipped to help you integrate your faith and finances—so you can steward God’s resources wisely and live with greater clarity and peace. You don’t have to navigate your financial journey alone. With wise, biblically grounded counsel, you can move forward in faithful stewardship. On Today’s Program, Rob Answers Listener Questions: I’m selling my home and still have a small mortgage. How does equity work when I sell—does it carry over to my next home? Also, at 79, would my age make it harder to get a mortgage? I’m 63 and divorced after 30 years of marriage. I worked in our home business but didn’t earn income or Social Security credits. My ex-husband receives military retirement, and I’ve heard I may qualify for benefits based on his record. How do I access that, and does it reduce what he receives? My mom passed away, and I’ll receive about $70,000 from her home. I’m 59 and plan to retire at 62. I have no debt, a fully funded emergency fund, and an IRA with limited annual contributions. What’s the best use of this inheritance, and are there any tax concerns I should be aware of? I’m on short-term disability, but payments have stopped while my claim is reviewed, and I’ve used up my savings. I have a $30,000 whole life policy—should I take a loan against it for income? I recently had surgery and may return to work soon, but my FMLA is ending, so my job is uncertain. Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing Fidelity | Charles Schwab Social Security Administration (SSA.gov) Defense Financial and Accounting Service (DFAS) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Servant leadership isn’t a soft skill—it’s one of the clearest indicators of a company’s long-term health. When investors evaluate businesses, they often focus on numbers: revenue, margins, and growth projections. But behind every enduring company is something less visible and far more powerful—a leadership team shaping culture, guiding decisions, and determining whether that business will flourish or fade. Dolores Bamford, Co-Chief Investment Officer and Senior Portfolio Manager at Eventide Asset Management, joins the show today to share what she has learned after spending decades studying this reality. Her conclusion is clear: leadership quality is essential to lasting business success. Why Leadership Matters More Than We Think At its core, leadership shapes everything about a company. It influences: Culture and employee engagement Product development and innovation Risk management and resilience Long-term growth and sustainability Strong products and strategies may carry a company for a time, but they cannot compensate for poor leadership indefinitely. Over the long run, outcomes are driven not just by numbers, but by people. Yet, according to Dolores, this is often overlooked in traditional investment analysis—where short-term performance can overshadow deeper, more meaningful indicators of health. A Different Lens: Faith and Investing Dolores’s perspective is shaped not only by her extensive experience in investment management—spanning firms like Fidelity, Putnam, and Goldman Sachs—but also by her theological training. After years in finance, she pursued a master’s degree in theology and further study in ethical leadership. That combination sharpened her conviction that faith and finance belong together. It also re-framed how she evaluates companies. Instead of focusing solely on financial outputs, she looks at: Integrity and humility in leadership A sense of stewardship over resources A commitment to serving others Alignment between purpose and practice This lens recognizes that businesses are not just economic engines—they are instruments that shape human flourishing. What Servant Leadership Looks Like in Practice Servant leadership is not abstract. It shows up in everyday decisions and behaviors. Leaders who embody it: Prioritize the well-being and development of employees Create cultures of trust, accountability, and excellence Serve customers with genuine care and long-term value in mind Use innovation responsibly, not recklessly Think beyond short-term gains toward enduring impact These leaders are marked by humility, integrity, and a willingness to learn from mistakes. They pursue excellence not for personal recognition, but for the good of others. By contrast, poor leadership often reveals itself through: Arrogance and self-interest A fixation on short-term profits Poor treatment of employees or customers Misalignment between stated values and actual practices Over time, these traits erode trust, weaken culture, and ultimately damage the business itself. The Risk of Ignoring Leadership Quality Why is leadership often overlooked? Part of the reason is pressure. Markets reward short-term results, and leaders can feel incentivized to prioritize immediate gains over long-term health. Cultural norms may also celebrate boldness and self-promotion over humility and service. But this creates real risk. When leadership lacks integrity or vision, companies may: Sacrifice people for profit Develop harmful products or practices Become fragile in times of stress On the other hand, strong leadership fosters stability, adaptability, and resilience—qualities that sustain businesses through both prosperity and adversity. Evaluating Both What and How At Eventide, evaluating a company goes beyond financial metrics. It includes both what a company produces and how it operates. This means asking: Does the company’s purpose align with its actions? Are its products genuinely serving people? Do its practices reflect care for employees, customers, and communities? When there’s a disconnect between purpose and practice, the consequences can ripple outward, affecting not just the company but society as a whole. Ultimately, investing isn’t just about returns—it’s about the kind of world our capital helps build. Every investment is a vote of confidence in a company’s leadership and its vision for the future. By prioritizing servant leadership, investors can support businesses that not only succeed financially but also contribute to human flourishing. A Better Definition of Success The most rewarding outcome, Dolores notes, is seeing companies thrive by serving others well—employees grow, customers benefit, and communities are strengthened. It’s a reminder that true success isn’t measured by profit alone, but by purpose lived out with excellence. Great companies don’t just start with great ideas—they start with great leaders. And when leadership is shaped by humility, integrity, and a commitment to serve, it creates something far more valuable than short-term gains: it builds businesses that endure. If you’re interested in aligning your investments with companies that prioritize purpose, integrity, and long-term impact, you can learn more about Eventide Asset Management and their approach to investing for human flourishing at EventideInvestments.com. Dolores Bamford is the Co-Chief Investment Officer and Senior Portfolio Manager at Eventide Asset Management, LLC. Views expressed in this podcast are intended for information purposes and do not constitute investment advice. Eventide does not provide tax, accounting, or legal advice. Eventide's values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses.   On Today’s Program, Rob Answers Listener Questions: I’m about to start annuity payments. If I give directly from my annuity to charity but don’t exceed the standard deduction, is there still any tax benefit? I volunteer in prison ministry and drive a lot, but I’m on disability with very little income. I’ve also lost money to family and others. I want to get my taxes and credit cards paid—what’s the best path forward, and could the IRS tax expert you mentioned help? What exactly is an HEI? And as a follow-up, I was quoted about 10% to tap my home equity—does that seem too high, and what should I know? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Eventide Asset Management Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sharon, a widow using appreciated stock to fund ultrasound ministry and navigate tax-smart philanthropy. Jake, considering a federal job with a large pay cut and weighing benefits, pension, and family impact. They discuss purposeful saving as stewardship, federal benefit valuation, gifting appreciated shares, donor-advised funds, and practical steps for transitions and legacy giving.

Martin Luther once said, “There is no more lovely, friendly and charming relationship, communion or company than a good marriage.” Marriage is one of God’s great gifts—but like any meaningful relationship, it requires intentional care and wisdom. That’s especially true in blended families. When two people come together later in life—often bringing children, financial histories, and past experiences of loss—the conversations surrounding money, inheritance, and responsibility can become complex. To explore how couples can navigate these challenges faithfully and wisely, we were joined by Ron Deal and Greg Pettis, co-authors of The Smart Step Family Guide to Financial Planning. Their work offers practical guidance for couples seeking peace, clarity, and unity in second marriages. One of the most helpful tools they recommend is something called a “Togetherness Agreement.” Why Blended Families Face Unique Financial Challenges When couples enter a second marriage, they aren’t simply merging households—they’re merging entire life stories. Often, there are children from previous relationships, existing debts or investments, businesses, aging parents who need care, and deeply personal financial experiences shaped by the past. For many, divorce, death, or financial conflict in a previous marriage has left emotional scars that naturally create caution in the next one. As Ron Deal explains, conversations about bank accounts or investments rarely stay purely financial. They quickly become conversations about trust, security, and provision—especially when children or extended family members are involved. Questions arise, such as: How should accounts be structured? How will assets be divided in the future? How do we care for children from previous marriages? What happens to a business or an inheritance?   Without clear communication, assumptions can easily lead to misunderstanding or conflict later on. The “Togetherness Agreement” To help couples navigate these conversations, Deal and Pettis developed the idea of a Togetherness Agreement. This agreement is more than a financial document. It’s a framework for couples to intentionally discuss expectations, values, and responsibilities before problems arise. Greg Pettis describes it this way: couples are essentially “writing the rules for their marriage with love and respect for both parties.” The agreement helps address emotionally charged topics such as: How many financial accounts will a couple maintain Whether finances will be fully combined or partially separate How assets will be passed to children Responsibilities toward aging parents Ownership of businesses or investments The roles of stepchildren, grandchildren, and extended family By putting these conversations in writing, couples gain clarity and reduce the risk of future confusion. Should It Be a Legal Document? In many cases, Deal and Pettis recommend that couples make their Togetherness Agreement a formal legal document, often with the help of an attorney. While marriage itself is a legal covenant, it doesn’t always address the specific financial realities of blended families. A written agreement can help financial advisors, attorneys, and family members understand the couple’s intentions. It can also prevent what Deal calls “inheritance drift.” Without clear planning, assets can unintentionally pass to people far removed from the original family line. For example, if a spouse dies and the surviving spouse remarries without updating estate plans, assets may eventually pass to the new spouse’s family rather than the original children. Intentional planning ensures that what matters most to a family is preserved. A Real-Life Example Deal and Pettis share the story of a couple, Anthony and Jenny, to illustrate how a Togetherness Agreement can work. Anthony was a successful construction business owner with two sons. Jenny, a CPA, also had children and was caring for her aging mother. During their courtship, neither fully understood the other’s financial situation. Anthony had previously struggled with gambling debt and a low credit score. Jenny had spent significant resources caring for her mother and had promised that her mother could one day live with her. Their Togetherness Agreement created a space for honest disclosure and compassionate conversation. Together, they worked through several important decisions: They established one shared budget account but maintained individual accounts while Anthony addressed his credit and gambling issues. Anthony clarified that his sons would inherit his company, something that had been planned long before the new marriage. To provide for Jenny and her daughter, they created a trust funded by life insurance. They developed long-term care plans for Jenny’s mother. The process didn’t just solve financial questions—it strengthened their relationship by building trust and mutual respect. The Power of Simply Starting the Conversation While a legal document can be valuable, Pettis emphasizes that the most important step is simply starting the conversation. Couples don’t need to begin with lawyers and paperwork. Even writing ideas on a notepad can open the door to transparency and deeper understanding. What matters most is creating an environment where both spouses feel safe sharing their hopes, concerns, and expectations for the future. When Should Couples Create a Togetherness Agreement? Ideally, these conversations should begin before marriage, during the dating or engagement phase. That’s the time when couples can discuss expectations openly and thoughtfully. But if a couple is already married and hasn’t had these conversations, it’s never too late. As Ron Deal puts it: Start today. Intentional communication can prevent future conflict and help couples build a financial plan rooted in love, wisdom, and unity. A Tool for Strengthening Marriage Money often reveals the deeper values and priorities of our hearts. For blended families, navigating those conversations requires patience, grace, and thoughtful planning. A Togetherness Agreement gives couples a practical way to align their financial decisions with their shared vision for the future. When approached with humility and honesty, these conversations can do more than organize finances—they can strengthen the marriage itself. For couples navigating life in a blended family, that kind of clarity and unity can be an invaluable gift. On Today’s Program, Rob Answers Listener Questions: I recently had to take a large required minimum distribution, so I now have extra cash and would like to give more than $19,000 to each of my children. Is there a way to do that without creating tax issues? I’m turning 63 this week and still working full-time. I’ve been hearing that Social Security could run out of money by 2033, and it’s making me consider claiming benefits early. Is that concern valid, and would starting at 63 or 64 significantly reduce my benefit? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal, Greg S. Pettys, and David O. Edwards Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For decades, retirement income in America has often been described as a three-legged stool. The first leg is Social Security, which historically provides roughly 35–45% of a retiree’s monthly income. The second leg used to be company pensions, but those have largely been replaced by employer-sponsored plans such as 401(k)s and 403(b)s, which now provide roughly 15–20% of retirement income on average. The third leg—and the one individuals have the most control over—is personal savings. One of the most important tools for building those savings is the Individual Retirement Account, or IRA. This is especially important for people who don’t have a strong employer retirement plan. In those cases, personal savings often need to carry even more of the load in retirement. What an IRA Actually Is Before diving into the different types of IRAs, it helps to understand one key point: an IRA itself isn’t an investment. An IRA is simply a tax-advantaged account that holds investments. Inside an IRA, you can own many of the same assets you might hold elsewhere—stocks, bonds, mutual funds, CDs, and more. The main benefit of an IRA is the tax treatment. Depending on the type you choose, your contributions or withdrawals may receive special tax advantages that can significantly affect your long-term financial plan. Traditional vs. Roth: The Key Difference When people talk about IRAs, they are usually referring to two primary types: the traditional IRA and the Roth IRA. Traditional IRAs Traditional IRAs have been around since 1974. Their main advantage is the immediate tax deduction many contributors receive. When you contribute to a traditional IRA, you may be able to deduct that contribution from your taxable income. Your investments then grow tax-deferred, meaning you don’t pay taxes on the gains each year. However, when you begin withdrawing money in retirement, those withdrawals are taxed as income. In simple terms: Traditional IRA = tax break now, taxes later. Roth IRAs Roth IRAs were introduced in 1997, and they reverse the traditional model. With a Roth IRA, contributions are not tax-deductible today. However, the major benefit comes later: qualified withdrawals in retirement—including investment gains—are completely tax-free. In other words: Roth IRA = no tax break now, but no taxes later. Which One Is Better? The decision between traditional and Roth IRAs largely depends on your expected tax situation. If you believe your tax rate will be higher in retirement, a Roth IRA can be very attractive because you pay taxes today at a lower rate and enjoy tax-free income later. This is why Roth accounts are often recommended for younger workers who are early in their careers and likely in a lower tax bracket. However, the decision can become more complicated for people who are within 10–15 years of retirement. At that stage, many people are in their peak earning years and higher tax brackets, which may make a traditional IRA more appealing. Taxes aren’t the only factor, but they are often the most important one. Contribution Limits You Should Know Contribution limits for IRAs change periodically, and it’s important to stay current. For 2026, the limits are: $7,500 per person under age 50 $8,600 per person for those age 50 or older (thanks to catch-up contributions) If you’re married filing jointly, each spouse can contribute to their own IRA, even if one spouse doesn’t have earned income—as long as the household’s earned income covers the total contributions. One important note: there is no such thing as a joint IRA. Each account must belong to an individual. IRA vs. 401(k): Which Should Come First? Employer-sponsored retirement plans, such as 401(k)s, have significantly higher contribution limits. In 2026, employees can contribute: $24,500 annually $32,500 if age 50 or older But the biggest advantage of workplace plans is often employer matching. If your employer matches contributions, the general rule is simple: Always contribute enough to receive the full match first. That match is essentially free money and should be viewed as part of your compensation. After reaching the match threshold, you can evaluate whether to continue contributing to your 401(k) or begin funding an IRA—especially if the IRA offers better investment choices. Income Limits and Eligibility IRA eligibility can become more complicated depending on income levels and workplace plans. For traditional IRAs, whether you can deduct your contribution depends on: Whether you’re covered by a workplace retirement plan Your modified adjusted gross income For married couples with workplace coverage, deductibility typically phases out between $129,000 and $149,000 of income. For Roth IRAs, workplace plans don’t matter, but income limits still apply. Married couples generally lose eligibility to contribute directly to a Roth once their income exceeds $252,000. Because these rules can be complex, reviewing them carefully—or consulting a financial professional—is often wise. What About Old 401(k)s? Many people accumulate retirement accounts as they change jobs. If you’ve left a company, you typically have the option to roll an old 401(k) into an IRA. The main advantages include: Simplifying your accounts Access to a wider range of investments However, there is one important exception. If you leave an employer at age 55 or later, you may be able to withdraw from that company’s 401(k) penalty-free before age 59½. Rolling the funds into an IRA would eliminate that special flexibility. When Does a Roth Conversion Make Sense? One of the most powerful planning strategies is a Roth conversion, in which funds from a traditional IRA are moved into a Roth IRA. When you convert, you pay taxes on the amount converted—but those funds can then grow tax-free going forward. For many people, the ideal window for conversions is between retirement and age 73, when required minimum distributions (RMDs) begin. During those years, income may be temporarily lower, allowing retirees to strategically convert portions of their IRA each year while staying in a manageable tax bracket.  Done carefully over time, this strategy can significantly reduce taxes later in retirement. Stewarding Retirement with Wisdom Ultimately, retirement planning isn’t only about maximizing returns—it’s about wisely stewarding what God has entrusted to us. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance.” Thoughtful planning today—whether choosing the right IRA, managing taxes wisely, or simplifying your accounts—can create greater freedom later to live generously and faithfully. On Today’s Program, Rob Answers Listener Questions: I run a small pool cleaning business in Florida and am finally starting to grow. I want to manage the finances the right way, but I don’t have much experience with accounting tools like spreadsheets. What are some practical steps I can take to start properly tracking my business finances and cash flow? I’ve recently realized that God owns everything—my money, my property, and even my business. That’s been a big shift for me, and I want to honor Him with all of it. Sometimes I even wonder if God approves of the small things I spend money on. How can I practically walk with God in this area and steward my finances in a way that honors Him? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Making Sense of Your IRA Options (Article by Mark Biller and Matt Bell at Sound Mind Investing) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Theologian Dorothy Sayers once wrote, “Work is not primarily a thing one does to live, but the thing one lives to do.” That statement may feel surprising in a culture where work is often viewed as a burden to escape rather than a calling to embrace. Yet Scripture offers a very different vision. From the beginning of the Bible to the end, work is not treated as a necessary evil but as a sacred calling woven into what it means to bear God’s image. When we understand this truth, it transforms how we see our daily responsibilities—whether they happen in an office, a home, a classroom, or a retirement community. Work Was God’s Design From the Beginning Many people assume work began as part of the curse after sin entered the world. But Scripture tells a different story. In Genesis 2:15, before the fall, God placed Adam in the Garden of Eden “to work it and keep it.” Work was not punishment—it was purpose. God commissioned humanity to cultivate creation, steward its resources, and reflect His creativity and order. Work was a gift before it became difficult. And according to Scripture, it will be a gift again in the new creation. Revelation 22:5 describes God’s people reigning with Christ—not in idleness, but in joyful responsibility and stewardship. Work Reflects the Image of God Our faith is not limited to explicitly spiritual activities. It also includes the everyday tasks we carry out with excellence, integrity, and love. A remarkable example appears in Exodus 31. When God instructed Israel to build the tabernacle, He filled a man named Bezalel with the Spirit of God—granting him skill, intelligence, knowledge, and craftsmanship to design and construct the dwelling place of God’s presence. Think about that. The first person in Scripture explicitly described as being filled with the Spirit was not a prophet or a king. It was a craftsman. Bezalel’s calling reminds us that work done for God’s glory—whether building, designing, teaching, or managing—is an act of worship. There Are No Ordinary Jobs in God’s Kingdom This truth reshapes how we think about our own work. Whether you’re grading papers late into the night, running spreadsheets in an office, raising young children at home, or serving at a food pantry during retirement, your work reflects God’s character and care for the world. The apostle Paul writes in Colossians 3:23–24: “Whatever you do, work heartily, as for the Lord and not for men… You are serving the Lord Christ.” In God’s Kingdom, there are no ordinary jobs—only ordinary moments given extraordinary meaning when offered to Christ. Why Work Often Feels Frustrating Of course, work doesn’t always feel joyful. After sin entered the world, work itself was not removed; it simply became more difficult. In Genesis 3, God describes how thorns and thistles would frustrate human labor, symbolizing inefficiency, fatigue, and resistance. We still work, but now we work with friction. Yet the gospel does not erase work. It redeems it. Through Christ, our labor becomes part of God’s restoration project—blessing others, advancing good, and bringing glory to Him. Work Shapes Who We Become One of the most countercultural truths in Scripture is that work is not primarily about income. It’s about formation. Work shapes us into people who reflect Christ. It teaches diligence, humility, perseverance, love for our neighbor, and dependence on the Spirit. That’s why work matters before retirement—and after it. While the nature of our work may change over time, the calling to steward our lives for God’s purposes never disappears. The Kingdom of God has no unemployment line. It has stewards, servants, and image-bearers. Your Everyday Work Is Kingdom Work Here’s the encouraging truth: when we offer our work to God, He delights in it. The spreadsheets. The dishes. The carpentry. The caregiving. The counseling. The volunteering. None of it is wasted when it is done unto the Lord. Your everyday work is Kingdom work. So perhaps the invitation today is simple: don’t just go to work—worship at work. Ask the Holy Spirit to help you serve not for applause or promotion, but for the pleasure of the King. Because ultimately, what matters most is not the job you have, but the God you serve through it. Go Deeper: Our Ultimate Treasure This vision of work as worship is something we explore more deeply in my devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. The devotional helps readers see every part of life—including work, money, and daily responsibilities—through the lens of Scripture and God’s greater purposes. You can order an individual copy or place a bulk order for your church or small group at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: I’ve been struggling with credit card payments for a couple of years. After hearing you mention Christian Credit Counselors, I called them, and they reduced my interest rates from about 35% to around 9%. My monthly payments are much lower now, and I even had room in the budget to buy a car. I just wanted to say thank you and share how grateful I am that I can now pay off my debts in full. I just turned 70, and my 25-year, $250,000 life insurance policy is expiring this year. My wife and I live on about $42,000–$45,000 a year from Social Security and small pensions, and we have roughly $100,000 in savings and investments. Should I buy a new 10-year term policy for about $70 a month, purchase a smaller whole life policy for $15,000–$20,000 in coverage, or skip insurance and invest the money instead? My main goal is to make sure my wife is cared for. I’m 68, and my husband is 61 and still working. My Social Security benefit is small because I was mostly a stay-at-home mom. Someone told me I might be able to collect benefits based on my husband’s record. Is that true, and how would that work? I’m in my 70s with a modest retirement portfolio, and I keep hearing warnings that the U.S. dollar could lose its status as the world’s reserve currency. If that happened, how might it affect someone like me—and how seriously should I take those concerns? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.