Episodios

  • Do Your Finances Need Scam-Proofing?
    Apr 1 2026
    “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 scamsShare what you’re learningStay 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 firstContact 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 ...
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    25 m
  • Rich in What Really Matters with Bob Shank
    Mar 31 2026
    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 needsPrepare for what’s nextDistribute 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 ...
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  • Our Ultimate Treasure: Money is a Tool
    Mar 30 2026
    Most of us don’t wake up intending to serve money. And yet, over time, financial pressure, goals, and anxieties can quietly begin shaping our decisions, priorities, and even our sense of security. Jesus addresses this directly in Luke 16:13: “You cannot serve God and money.” But that doesn’t mean money has no place in the life of a believer. It simply means money must never be our master. The invitation of Scripture is far better: not to serve money, but to serve God with money. Money Is a Gift to Receive with Gratitude One of the most important starting points is recognizing that money is not inherently bad—it’s a gift. Ecclesiastes 5:19 reminds us, “Everyone also to whom God has given wealth and possessions and power to enjoy them—this is the gift of God.” God is not opposed to provision or even enjoyment. In fact, when Jesus fed the five thousand in Matthew 14, He didn’t just meet the need—there were twelve baskets left over. The message isn’t excess for its own sake, but that God’s provision is abundant and generous. When we begin here, with gratitude, money shifts from something we grasp for to something we receive. Money Reveals What We Trust At the same time, money carries real spiritual weight. 1 Timothy 6:10 says, “The love of money is a root of all kinds of evils.” Notice—it’s not money itself, but our love for it that leads us astray. Money has a way of exposing our hearts. Every financial decision—spending, saving, giving—asks a deeper question: What am I trusting right now? Am I looking to money for security?Am I using it to shape my identity?Or am I trusting God as my provider? Money is morally neutral, but how we use it is deeply spiritual. Money Is a Tool for Purpose, Not a Goal Scripture consistently points us beyond accumulation. Ephesians 4:28 tells us to work “so that [we] may have something to share with anyone in need.” That’s a profound shift. We don’t earn simply to build our own lives—we earn to participate in God’s provision for others. This reframes everything: Work becomes more than survival—it becomes participation in God’s generosity.Saving becomes preparation, not fear.Investing becomes stewardship when it supports future responsibility and generosity. Money finds its greatest purpose when it flows outward, not when it’s hoarded inward. Putting Money in Its Proper Place Jesus’ words in Luke 16:13 remind us that money must remain a servant, never a master. John Wesley captured this beautifully when he wrote: “Money is an excellent gift of God… it is food for the hungry, drink for the thirsty, raiment for the naked.” That’s a picture of redeemed money—money used for purposes that reflect the heart of God. Holding Money with Open Hands There’s one more truth that frees us: money is temporary. 1 Timothy 6:7 says, “We brought nothing into the world, and we cannot take anything out of the world.” Every dollar we manage is something we steward for a season. But how we use it can have a lasting impact. When we remember that: We enjoy God’s provision without clinging to it.We plan wisely without placing our hope in wealth.We give generously because we trust God to provide again. So before your next financial decision—whether it’s spending, saving, investing, or giving—try asking: “Lord, how can this money serve You and others?” Because money is never the destination. It’s a tool placed in our hands to accomplish something far greater than ourselves. Go Deeper This is a key theme explored in Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship—a devotional designed to help you see money not as something to chase, but as a tool to align your heart with God’s purposes. You can get your copy—or order for your church or small group—at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: My credit score dropped from the low 800s to the mid-600s after I moved and got insurance quotes. I have no debt, pay everything on time, and nothing negative shows on my report. What could cause a drop like this, and how can I fix it?My husband passed away six years ago, and we recently discovered a coin collection that may be valuable due to its silver content. It wasn’t included in the estate at the time. If we sell it now, how should we handle the taxes and inheritance implications? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)AnnualCreditReport.com Equifax | TransUnion | ExperianOur Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and ...
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    25 m
  • Financial Advice for Students and Early Career Adults with Bob Doll
    Mar 27 2026
    “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 possibleTake advantage of employer-sponsored retirement plans—especially matching contributionsConsider 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 financesSet shared goalsPray 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 ...
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    25 m
  • Bringing Clean Water and the Gospel to Malawi with Aaron Griggs
    Mar 26 2026
    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 ‘...
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    25 m
  • Investing in the People Behind the Profits with Dolores Bamford
    Mar 24 2026
    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 engagementProduct development and innovationRisk management and resilienceLong-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 reframed how she evaluates companies. Instead of focusing solely on financial outputs, she looks at: Integrity and humility in leadershipA sense of stewardship over resourcesA commitment to serving othersAlignment 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 employeesCreate cultures of trust, accountability, and excellenceServe customers with genuine care and long-term value in mindUse innovation responsibly, not recklesslyThink 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-interestA fixation on short-term profitsPoor treatment of employees or customersMisalignment 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 profitDevelop harmful products or practicesBecome 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 ...
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  • What Is a CKA? with Sharon Epps
    Mar 25 2026
    “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 trainedProfessionally qualifiedPassionate 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 studyA five-hour proctored examA 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 worldviewStay grounded in Scripture and prayerPursue 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 InvestingFidelity | Charles SchwabSocial Security Administration (SSA.gov)Defense Financial and Accounting Service (DFAS)Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from ...
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  • Saving on Purpose
    Mar 23 2026
    What if the most important question about your savings isn’t how much you have—but what it’s really for? We often think of saving as a financial skill—and it is. But Scripture invites us to see it as something deeper: a purposeful act of stewardship. When we understand saving through that lens, it begins to shape not just our finances, but our hearts. Why Saving Feels So Difficult Let’s be honest—saving rarely feels automatic. If it did, we wouldn’t need reminders, spreadsheets, apps, or the occasional sticky note on the fridge. Saving requires us to resist the pull of the present in favor of the future. And that kind of restraint has always been in short supply. Our culture encourages consumption and immediacy. Spend now. Upgrade now. Enjoy now. But saving calls us to a different rhythm—one marked by patience and preparation. For many households, the challenge is even more pressing. Without financial margin, it only takes one unexpected expense—a repair, a medical bill, a job transition—to create significant strain. In that sense, saving isn’t just about numbers—it’s about posture. Saving teaches us to slow down, to hold back, and to make intentional decisions. It’s the discipline of saying “not now” so we can say “yes” when the time is right. A Biblical Vision for Saving Scripture consistently affirms this kind of foresight. The book of Proverbs praises diligence, prudence, and gathering in season (Proverbs 6:6–8). These aren’t presented as signs of fear or lack of faith—but as wisdom in action. Saving doesn’t compete with God’s provision. It responds to it. When we save, we acknowledge that God has entrusted resources to us—and that we have a responsibility to steward them wisely. Biblical wisdom is never passive. It’s thoughtful, intentional, and forward-looking. The Guardrail: Where Our Trust Belongs At the same time, Scripture gives us a clear guardrail. Our security doesn’t come from what we accumulate—it comes from the Lord. When saving becomes a substitute for trust, it quietly shifts our foundation. We begin to rely on what we’ve stored rather than on the One who provides. Jesus addresses this in Luke 12:24, pointing to the ravens: “They neither sow nor reap… and yet God feeds them.” His message isn’t that planning is wrong—it’s that anxiety is misplaced. God knows our needs. He is faithful. Saving, rightly understood, is not self-reliance. It’s stewardship under God’s care. Purpose Turns Saving into Readiness Purpose is what keeps our savings from drifting into fear or accumulation. Without purpose, saving can feel like deprivation—a constant delay of gratification. It can become a way of managing fear or building a false sense of control. But with purpose, saving becomes something entirely different. It becomes preparation for unexpected storms—without panicProvision for your family—without strainA foundation for generosity—without hesitation Saving with purpose transforms restraint into readiness. It isn’t just personal—it’s communal. Scripture reminds us that we are stewards, not owners. What we have has been entrusted to us for purposes that extend beyond our own lives. A lack of margin often limits our ability to respond when needs arise. But when we’ve prepared wisely, we’re positioned to give, serve, and support others more freely. Generosity often requires readiness. And readiness requires margin. Faithfulness Looks Different in Every Season It’s important to remember: Scripture doesn’t prescribe a universal savings percentage or target balance. Faithfulness isn’t measured by a number. For some—especially those facing financial hardship—saving may feel out of reach. That struggle is real, especially in today’s economic climate. For others, the challenge is less about income and more about intention—choosing to live below their means in a world that encourages the opposite. Wherever you are, the call is the same: steward what you’ve been given with wisdom and trust. Aligning Your Savings with Your Values If saving is meant to be purposeful, then where and how you save matters. That’s why AdelFi Christian Banking (a merger of Christian Community Credit Union and AdelFi Credit Union) is there to help believers align their everyday financial decisions with their faith. Together, they’re building a Christ-centered banking ecosystem designed to serve families while also supporting churches, ministries, and gospel-centered initiatives around the world. Saving with purpose isn’t just about what you set aside—it’s about aligning your financial habits with what you believe. When your financial practices reflect your values, even ordinary decisions can point toward eternal priorities. That’s why, for FaithFi Listeners, they are offering up to a $400 bonus for those who open an account with them. Just use the promo code “FAITHFI”. You can learn more at FaithFi.com/Banking. ...
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