Faith & Finance

“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 Good Friday invites us into a sacred tension—one marked by sorrow, gratitude, and deep hope. It is the day we remember the crucifixion of Jesus Christ, when the Son of God bore the weight of our sin on the cross. And yet, for centuries, Christians have called this day good. Not because the events were easy or lighthearted—but because of what Christ accomplished through them. The Sorrow and the Wonder of the Cross For many believers, Good Friday carries a heaviness. We reflect on the suffering Jesus endured and the sobering reality that our sin made the cross necessary. Scripture reminds us that sin is not merely a mistake—it is a separation from God, the very source of life and love. And yet, alongside that sorrow is overwhelming gratitude. We remember the love of the Father who gave His Son, and the love of the Son who willingly laid down His life. Jesus stood in our place, absorbing the penalty we deserved so that we could be reconciled to God. This is the wonder of the cross: justice satisfied and mercy extended. A Story That Doesn’t End in Darkness Even on Good Friday, there is anticipation. We know what Sunday brings. The resurrection is coming—the victory over sin and death, and the promise of eternal life for all who trust in Christ. Good Friday is not the end of the story. It is the turning point. What looked like defeat became the doorway to redemption. That’s why we call it good. Here at Faith and Finance, we often talk about stewardship, generosity, and wise financial decisions. But Scripture frequently uses financial language to help us understand spiritual realities. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible—not by accident, but because they reveal the depth of what Christ has done for us. Romans 6:23 — “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” Mark 10:45 — “For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.” 1 Corinthians 6:20 — “You were bought with a price. So glorify God in your body.” These aren’t just metaphors—they are windows into the gospel. Our sin created a debt we could never repay. Left to ourselves, we had no way to restore what was broken. But Jesus stepped in. “It Is Finished” As Jesus breathed His last, He declared, “It is finished” (John 19:30). The Greek word is tetelestai—a word rich with meaning. It was used by servants to report that a task was completed. It appeared on legal documents to indicate that a requirement had been fulfilled. Most strikingly, it has been found on ancient receipts to signify that a debt had been paid in full. No balance remaining. Nothing left owed. So when Jesus spoke those words from the cross, He wasn’t simply marking the end of His life—He was announcing the completion of His mission. The price of our redemption had been paid. The debt of sin was canceled. The separation between God and humanity was bridged—not by our effort, but by His sacrifice. That changes everything. Because of Christ, we are no longer living in a state of spiritual deficit. We live in the overflow of grace. Jesus didn’t make a partial payment—He paid it in full. There is nothing left for us to earn. No amount of striving can add to what He has already accomplished. Instead, we are invited to receive this gift by faith and walk in the freedom it brings. We are free from guilt. Free from striving. Free to live for the One who gave everything for us. A New Way to Live On this Good Friday, we’re invited to hear those final words again—tetelestai—and let them settle deep into our hearts. It is finished. And because it is finished, our obedience is no longer a transaction to earn God’s favor. It becomes a joyful response to His grace. We follow Christ not to gain life, but because in Him, we’ve already found it. That’s the beauty of the cross. And that’s why Good Friday is truly good. On Today’s Program, Rob Answers Listener Questions: My wife and I bought a small home in 2024 and now have two young kids, with hopes for more. Should we consider moving or refinancing for more space? Also, should I keep $16,000 in savings or invest some of it? My son and daughter-in-law adopted four Ukrainian teens who may attend college. Where can we find scholarships for them, especially lesser-known ones? I’m 79, still working as a bi-vocational pastor, and owe about $17,000 on my home. Would a reverse mortgage make sense for me? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Fastweb | Peterson’s | Scholarships.com 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.

Reverse mortgages often trigger strong reactions—especially among believers who want to honor God with their finances. But are those reactions grounded in biblical wisdom…or outdated information? When it comes to debt and home equity, emotions can run high. Yet Scripture calls us to something deeper than instinct—it calls us to understanding. As Proverbs 19:20 reminds us, “Listen to advice and accept instruction, that you may gain wisdom in the future.” To help bring clarity to this often misunderstood topic, Harlan Accola—who leads the reverse mortgage team at Movement Mortgage—joins the show today to separate fact from fiction. Why Reverse Mortgages Carry So Much Stigma For many people, the phrase reverse mortgage immediately raises red flags. And to be fair, some of that concern is rooted in history. As Harlan Accola explains, earlier versions of these loans—and in some cases, unethical practices—damaged trust. Like many industries, there were bad actors who misused the product and took advantage of seniors. But today’s reverse mortgage is very different. Modern reverse mortgages are federally regulated through the Federal Housing Administration (FHA) and include strong consumer protections designed specifically for older homeowners. Still, misinformation persists—often passed along by well-meaning friends, family members, or even within church communities. That’s why biblical wisdom matters here. We’re called not just to react, but to understand. Not All Debt Is the Same One of the biggest misconceptions about reverse mortgages is that they’re simply another form of dangerous debt. But as Harlan points out, not all debt functions the same way. Traditional consumer debt—like credit cards or auto loans—requires monthly payments. Miss those payments, and the consequences can quickly escalate, creating stress and financial strain. A reverse mortgage, however, works very differently: There are no required monthly principal or interest payments The homeowner must continue paying property taxes and insurance The loan is non-recourse, meaning the borrower will never owe more than the value of the home That final point is key. If the home’s value declines, the borrower (or their heirs) is not personally responsible for the difference. As Harlan emphasizes, understanding the mechanics of a financial product is essential before comparing it to others—or dismissing it altogether. A Practical Scenario: When Cash Flow Becomes a Struggle Harlan highlights a situation that’s becoming increasingly common. Many homeowners in their 60s and 70s have built substantial equity—but still carry monthly mortgage payments. In fact, a significant number of Americans over 62—and even over 75—are still making those payments. When unexpected expenses arise—a roof repair, a broken water heater—many turn to high-interest credit cards to cover the gap. This is where a reverse mortgage may offer relief. By eliminating a monthly mortgage payment, it can: Improve monthly cash flow Reduce reliance on high-interest debt Lower financial stress Harlan also notes that this added margin can even open the door to greater generosity—freeing individuals to steward their resources more intentionally. A Stewardship Lens: Discernment Over Reaction For Christians, financial decisions are never just about numbers—they’re about faithfulness. That means we shouldn’t reject or embrace any financial tool without first understanding it. Wisdom requires discernment, not assumptions. Reverse mortgages aren’t right for everyone. But as Harlan Accola reminds us, decisions should be based on accurate information—not outdated fears. As Proverbs 19:20 encourages us, listening, learning, and seeking wise counsel is part of faithful stewardship. Learn More If you’d like to better understand reverse mortgages or explore whether one might fit your situation, you can learn more at FaithFi.com/Movement. Taking time to understand your options isn’t just practical—it’s a step toward stewarding God’s resources with wisdom and care. On Today’s Program, Rob Answers Listener Questions: I’m building a home on land I already own and have about $150,000 saved—roughly half the cost. Should I use a construction loan or a traditional mortgage, and how does that process work? I’m 53 and hope to retire in about four years. I’m in good financial shape, but don’t have a financial advisor or a will. How do I find a trusted advisor, and what should I look for in how they’re paid and whether they’re a fiduciary? Is it wise to use about 25% of my retirement savings to remodel my home if it could increase its value? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage 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.

“The simple believe everything, but the prudent give thought to their steps.” — Proverbs 14:15 In a world where scams are increasingly sophisticated, Scripture reminds us that precaution is not paranoia—it’s stewardship. Protecting the resources God has entrusted to us isn’t just practical; it’s spiritual. Today’s threats may come through phone calls, emails, text messages, or even impersonations of people we trust. But as followers of Christ, we are not called to live in fear—we are called to walk in wisdom. So what does wise, faithful stewardship look like in a digital age? 1. Slow Down and Verify Scammers thrive on urgency. They want you to act before you think. If someone pressures you—claiming to be your bank, a government agency, or even a loved one—pause. Hang up. Verify the source using official contact information. Remember: Pressure is a red flag. Wisdom takes a breath. 2. Be Wise About How You Send Money One of the clearest warning signs of fraud is how payment is requested. Never send money via wire transfer, gift cards, or peer-to-peer apps (like Zelle or Venmo) to someone you don’t personally know. Legitimate organizations will not demand payment this way. If something feels off, trust that instinct and walk away. 3. Use Tools That Protect You Not all payment methods are created equal. Use credit cards when shopping online—they typically offer stronger fraud protection than debit cards. Enable two-factor authentication (2FA) on financial accounts—it’s like adding a deadbolt to your digital front door. Use an authenticator app when possible instead of text-based codes. These simple steps dramatically reduce your vulnerability. 4. Strengthen Your Passwords Weak or reused passwords are one of the easiest entry points for thieves. Use a password manager like Bitwarden or NordPass to create and store strong, unique passwords. Avoid reusing the same password across multiple accounts. Think of your passwords as keys—each door should have its own. 5. Monitor and Lock Down Your Accounts Staying alert can help you catch problems early. Set up bank alerts for large transactions or unusual activity. Freeze your credit with all three major bureaus—it’s free and highly effective against identity theft. This is like installing an alarm system for your finances. 6. Be Cautious Online and in Public Convenience can sometimes come at a cost. Avoid accessing financial accounts on public Wi-Fi unless you’re using a VPN. Only log into accounts on your personal devices. Limit what you share on social media—details like birthdays, family names, or locations can be used against you. Not everything needs to be public. 7. Protect Your Physical Information Digital security matters—but so does what’s on paper. Shred documents containing sensitive information like bank statements, tax forms, or medical records. Be cautious of phishing emails or messages—even if they appear to come from someone you know. When in doubt, verify before you click. 8. Make It a Family Conversation Scammers often target the most vulnerable—especially older adults and teenagers. Take time to: Talk with your family about common scams Share what you’re learning Stay informed together Stewardship is not just personal—it’s communal. 9. Use Caution After Data Breaches If a company offers identity theft protection after a breach: Take advantage of it—but verify first Contact the company directly through their official website or number Don’t trust links or instructions in unsolicited messages. Faithful Stewardship Without Fear There’s no question that in today’s world, financial faithfulness includes digital awareness. Guarding your data, protecting your family, and staying alert to fraud are essential parts of stewardship. But this isn’t about fear—it’s about faith expressed through wisdom. With a few intentional steps, you can protect what God has entrusted to you and live with peace—not panic. If you’re looking for a simple way to manage your money and grow in faithful stewardship, the FaithFi app can help. It’s designed to help you handle God’s resources with clarity and purpose. You can download it today at FaithFi.com/App. On Today’s Program, Rob Answers Listener Questions: I’ve been helping a friend financially while he’s unemployed, but it’s starting to strain me. He has no credit and doesn’t know where to start. How can he build a financial foundation—and how can I help without hurting myself? I need to update my will and mainly want to pass my home to my children. I’ve heard a trust might be better. Can I set that up without an attorney? I’m working to rebuild my credit after medical debt, but I want to avoid taking on new debt. What are my options—and would borrowing against my paid-off home help or hurt? I was told I could pay off my $125,000 mortgage faster by moving it to a HELOC and running my income through it. Is that strategy legitimate? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Bankrate | NerdWallet Experian Boost 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.

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.