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Faith & Finance

Faith & Finance

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Faith & Finance is a daily radio ministry of FaithFi, hosted by Rob West, CEO of Kingdom Advisors. At FaithFi, we help you integrate your faith and financial decisions for the glory of God. Our vision is that every Christian would see God as their ultimate treasure. Join Rob and expert guests as they give biblical wisdom for your financial journey and provide practical answers to your pressing financial questions. From budgeting and debt management to investing and stewardship, Faith & Finance equips listeners with insights to handle money wisely and live generously for God's Kingdom. Listen now or ask your question live by calling 800-525-7000 each weekday from 10-11 a.m. ET on American Family Radio and 4-5 p.m. ET on Moody Radio. You can learn more at FaithFi.com.Copyright 2023-2025 FaithFi: Faith & Finance Cristianismo Economía Espiritualidad Finanzas Personales Ministerio y Evangelismo
Episodios
  • It Is Finished

    It Is Finished
    Apr 3 2026
    “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.comOur Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on ...
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    25 m
  • Clearing Up Reverse Mortgage Myths with Harlan Accola

    Clearing Up Reverse Mortgage Myths with Harlan Accola
    Apr 2 2026
    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 paymentsThe homeowner must continue paying property taxes and insuranceThe 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 flowReduce reliance on high-interest debtLower 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 MortgageOur 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 ...
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    25 m
  • Do Your Finances Need Scam-Proofing?

    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
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