Faith & Finance

Crystal Paine is the creator of the amazing website MoneySavingMom.com. WHAT ARE SOME WAYS YOUR FAMILY SAVORS THE MEANING OF CHRISTMAS? To savor the meaning of Christmas, Crystal Payne's family engages in simple yet meaningful traditions. They use an Advent calendar, specifically Ann Voskamp's, which includes daily devotionals, to focus on the spiritual significance of the season. Additionally, they undertake a family giving project, where each member contributes and decides on a cause to support, fostering a sense of ownership and generosity. WHAT ARE SOME PRACTICAL WAYS TO MANAGE CHRISTMAS SPENDING AND GIFT GIVING? When managing Christmas spending and gift-giving, it's crucial to start by determining who you need to buy for and align this with your budget. Consider simplifying gift-giving by choosing family or experience gifts. Crystal also suggests utilizing her website's guide for unique and inexpensive gift ideas that can suit anyone. These gifts can be homemade or experience-based, adding a personal touch while staying budget-friendly. HOW CAN YOU STRETCH YOUR CHRISTMAS BUDGET? To stretch your Christmas budget, start with a clear budget and consider using cash only for purchases, including online shopping. Crystal suggests saving for Christmas throughout the year and earning gift cards for additional savings. Homemade gifts, like baked goods or DIY projects, are also great ways to give meaningful presents without overspending. WHAT ARE SOME TIPS FOR FAMILY TOGETHERNESS AND ORGANIZATION DURING CHRISTMAS? For family togetherness, Crystal recommends creating a "December Bucket List" where each family member chooses one or two special activities for the month, ensuring everyone's interests are considered. For organization, she advises writing everything down, perhaps using Google Calendar, and dividing up tasks among family members. Other suggestions include wrapping up Christmas books for daily reading and setting aside a special day for immediate family celebration. ANY LAST-MINUTE TIPS FOR STAYING ORGANIZED DURING THE HOLIDAYS? To stay organized during the holidays, Crystal emphasizes the importance of simplifying and asking, "How can I make this easier?" She recommends writing down all tasks to clear your mind, seeking help from family members, and planning ahead for meals and events. Embracing shortcuts and preparing in advance, such as pre-making meals, can significantly reduce stress and enhance enjoyment of the holiday season. ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: FidelitySchwab Intelligent PortfoliosSound Mind Investing Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

Sharon Epps is the President of Kingdom Advisors. WHAT IS THE CURRENT STATE OF ECONOMIC UNCERTAINTY ACCORDING TO RECENT RESEARCH, AND WHAT ARE ITS EFFECTS? Economic uncertainty is at a high, as indicated by the International Monetary Fund's World Uncertainty Index. Covering data from 143 countries over the past 60 years, the current level of uncertainty is among the highest since 2000. This uncertainty can lead to fear, decision paralysis, and irrational decision-making. WHAT PRACTICAL STEPS CAN WE TAKE DURING UNCERTAIN TIMES? To navigate uncertain times, focus on God's control and promises, such as His assurance in Hebrews 13:5 ("I will never leave you nor forsake you") and the call for contentment in 1 Timothy 6:8. Acknowledge that economic consequences often result from not following God's principles. Ask yourself about the worst-case scenario and its likelihood, recall God's past faithfulness, and avoid the trap of thinking the current situation is the worst ever. Follow God's principles in managing finances, knowing that you have done your best. WHAT ARE THE FOUR THINGS WE CAN DO WITH MONEY AND HOW SHOULD WE APPROACH EACH? The four things we can do with money are: live on it, give it, owe it, and grow it. For living, spend less than you earn. In giving, practice open-handed generosity. For owing, avoid the use of debt. In growing, save diligently for future needs. HOW CAN WE TAKE A PROACTIVE APPROACH TO DEALING WITH UNCERTAINTY AND HELP OTHERS? Certainty is found in God, the Creator, Sustainer, and Provider. FaithFi's work focuses on directing people to God and His unchanging principles. To support this mission and help create a movement of faithful stewards who can withstand economic uncertainty, consider contributing to FaithFi's fundraising goals. Such contributions assist in spreading the message of wise financial decision-making grounded in faith. ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

“Lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.” Matthew 6:20 Ken Boa and Russ Crosson are our guests today.. Ken is a pastor and founder of Reflections Ministries. Russ is executive vice president and chief mission officer of Ronald Blue Trust. They’re authors of Leverage: Using Temporal Wealth for Eternal Gain. WHAT IS BIBLICAL LEVERAGE, AND HOW CAN IT IMPACT ETERNITY? Biblical leverage is the concept of using your current wealth to make a significant impact on eternity. It involves investing in God's work around the world, allowing one to witness how God multiplies these investments for eternal purposes. HOW SHOULD INDIVIDUALS DETERMINE WHERE TO GIVE, AND IS IT ACCEPTABLE TO GIVE OUTSIDE THE LOCAL CHURCH? It's important to give in ways that align with the spread of the Gospel and the Great Commission of making disciples. The New Testament encourages sharing with those who teach and disciple us. This giving can extend beyond the local church to various ministries involved in spreading the Gospel. WHAT IS THE NEW TESTAMENT'S PERSPECTIVE ON TITHING? In the New Testament, the emphasis is on grace giving, which is proportional and based on one's ability. While there's no specified percentage, those who have received more are expected to give more. This form of giving reflects a commitment to God's perspective on lasting impact and identity. HOW CAN INDIVIDUALS TEST WHERE THE SPIRIT IS LEADING THEM IN THEIR GIVING? Testing where the Spirit leads in giving involves taking risks in faith. The more one grows in faith, the more significant the risks one is invited to take. This process requires a commitment to actions that depend on God's intervention for success. WHAT ARE THE DIFFERENT FORMS OF GIVING, SUCH AS CASH FLOW VERSUS NET WORTH GIVING? Cash flow giving involves donating from regular income like salaries or dividends, suitable for most people. Net worth giving is more relevant for wealthier individuals, considering assets like real estate, stocks, or business interests. This form of giving requires looking at asset growth and managing resources to maximize giving potential. WHAT MINDSET SHOULD INDIVIDUALS HAVE DURING THE ACT OF GIVING? The mindset during giving should be one of privilege and opportunity, viewing it as a chance to make an eternal impact. This perspective involves seeing wealth as a means to invest in what endures forever, rather than what is temporary. ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

Mark Biller is executive editor at Sound Mind Investing. WHAT'S THE CURRENT STATE OF BOND INVESTING, AND HOW HAVE RECENT EVENTS IMPACTED IT? Bond investing has been challenging lately, especially after a long period of historically low interest rates. Recently, there's been a significant shift with the 30-year treasury bond yield rising from under 1% in 2020 to over 5%. This has led to losses in long-term bond funds, comparable to the worst stock market declines, showing it's a tough time for bond investors. WHAT ARE THE MAIN RISKS IN BOND INVESTING, AND HOW DO THEY AFFECT BOND PRICES? The two primary risks in bond investing are credit risk and interest rate risk. Credit risk relates to the borrower's ability to make interest payments and repay the bond at maturity. Diversification across various bonds can minimize this risk. Interest rate risk is the risk of getting locked into a below-market rate of return. This risk increases with the bond's term, and when interest rates rise, bond prices fall, and vice versa. HOW DOES BOND DURATION AFFECT INVESTMENTS, AND WHAT SHOULD INVESTORS KNOW? Bond duration is a measure of how long it takes for the price of a bond to be repaid by its internal cash flows. It indicates how much a bond's price will change in response to interest rate changes. For instance, a bond fund with a three-year duration would likely see a 3% price drop if interest rates rise by 1%. A longer duration means higher risk but potentially higher returns, whereas shorter durations imply lower risk and volatility. WHAT ROLE DOES INFLATION PLAY IN BOND PRICES, AND HOW IS IT CONNECTED TO INTEREST RATES? Inflation directly impacts bond prices through its relationship with interest rates. High inflation typically leads to higher interest rates as central banks increase rates to combat inflation. This in turn causes bond prices to fall. Inflation is thus a significant concern for bond investors as it can diminish the value of bonds. WHAT'S THE OUTLOOK FOR BONDS GIVEN THE POSSIBILITY OF A RECESSION IN 2024?The outlook for bonds is cautiously optimistic, especially considering the likelihood of a recession in 2024. Recessions typically lead to interest rate cuts, which would increase bond values. However, if a recession is avoided, continued inflation might lead to further interest rate increases, posing risks for long-term bonds. Diversified portfolios with short and intermediate-term bonds are advisable, as they provide stability and potential benefits in both scenarios. You can check out Sound Mind Investing’s more extensive article on bond investing— it’s titled “Duration: A Simple Way to Gauge Bond Risk.” ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

We want to thank the folks at the National Christian Foundation for a great article on an alternative way to give and a new twist in 2023. Here are some alternative giving strategies for those of you who might be feeling the pinch financially but still have a heart to support your favorite charities. Drawing on insights from an article by the National Christian Foundation, we’re focusing on using your IRA for charitable giving. Of course, these are general recommendations and may not apply to everyone. You should consult with your CPA for specific advice based on your circumstances. Okay, here are a few terms you need to understand first. Adjusted gross income or AGIRegular distributionQualified charitable distribution or QCD. Required minimum distribution or RMD. PERSONALIZED STRATEGIES BASED ON AGE FOR IRA GIVING: For those 59 and a half or older At age 70 and a halfOnce you reach 72 For more details and to explore these strategies further, we recommend visitingNCF Giving. ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

Cole Pearson is the President of Investment Solutions at OneAscent, which is a family of companies dedicated to faith-based investing and an underwriter of this program. HOW DOES ONE ASCENT VIEW INTERNATIONAL INVESTING? IS VALUES-BASED INVESTING POSSIBLE WHEN INVESTING ABROAD? HOW CAN CHRISTIANS INVEST WISELY AMIDST GLOBAL UNCERTAINTIES LIKE WARS AND RESOURCE SCARCITY HOW CAN PEOPLE LEARN MORE ABOUT VALUES-BASED INVESTING AND EVALUATE THEIR CURRENT INVESTMENTS? HOW TO CONNECT: You can explore a new way of investing that aligns with your values at OneAscent.com. Click on 'Analyze My Investments' on the home page to tailor your portfolio to what truly matters to you. ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

This year plan a Christ-centered celebration without any of the financial regrets. As in so many areas of life, parents have opportunities here to set an example. Here are four ways you can do that: Set a good example with your attitude TheParentCue.org Make family time a priority during the weeks leading up to Christmas faithward.orgStick to your budget (even during the holidays) Demonstrate generosity towards those less fortunate, and invite your kids to participate Restore the peace of Christmas along with your family this year! Rest in God’s presence. Take time to remind yourself…and the children in your life…that there’s so much to be thankful for. As the prophet Isaiah foretold: “The people who walked in darkness have seen a great light; those who lived in a land of deep darkness— on them light has shined.” ON TODAY’S PROGRAM, ROB ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: TheParentCue.org FaithwardMovement MortgageNational Christian Foundation - NCFRemember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.

WHAT DOES A "MOVEMENT OF FAITHFUL STEWARDS" LOOK LIKE AND WHAT IS FAITHFI TRYING TO ACHIEVE? FaithFi aims to integrate faith into financial decisions, moving beyond just wise money management. The mission is to help Christians see their finances through the lens of faith, as every aspect of life, including finances, should be influenced by faith. FaithFi supports this integration, recognizing the challenge but stressing its importance. The goal is to guide Christians to be good stewards of their resources. HOW DOES FAITHFI DIFFER FROM OTHER FINANCIAL RESOURCES, AND WHAT IS ITS VISION? FaithFi differs from secular financial advice by centering on God, not self. The goal is to replace worldly financial promises with gospel truth, seeing God as the ultimate treasure. This perspective changes financial decisions to reflect one's identity in Christ. FaithFi offers guidance with practical, biblical wisdom and tools, fostering a community of stewards who prioritize God in their financial decisions. WHAT IMPACT DOES FINANCIAL SUPPORT HAVE ON FAITHFI AND ITS INITIATIVES? Financial support for FaithFi fuels various initiatives like the radio show, podcast, and a new Bible study series. It enables the production of content that delves into what the Bible says about money and possessions, aiding in personal growth and reevaluation of money's role in one's life. The FaithFi app, supported by donations, offers tools for wise financial management aligned with faith. Overall, contributions expand the reach of FaithFi, helping more Christians align their finances with biblical teachings. If you’ve benefited from this ministry and would like to help us reach our goal, please go to Faithfi.com and click Give. ON TODAY’S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Find a Certified Kingdom AdvisorChristian Community Credit Union Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

WHAT IS ALPHA IN INVESTING, AND CAN YOU EXPLAIN THE FIRST THREE SOURCES OF IT? EVENTIDE NOW SUGGESTS A FOURTH SOURCE OF ALPHA. WHAT IS IT? HOW DOES THIS FOURTH SOURCE OF ALPHA APPLY IN REAL BUSINESS EXAMPLES? HOW DOES EVENTIDE USE THIS VALUE CREATION LENS TO ACHIEVE ALPHA, AND DOES IT COMPROMISE INVESTMENT PERFORMANCE? Learn more at eventideinvestments.com. ON TODAY’S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

A Home Buyer’s Market? With Dale Vermillion Normally, November through February are the slowest months of the year for home sales, and that means buyers have more bargaining power. Will it happen this year? Dale Vermillion gives us his take on the market today. Dale Vermillion with us again today. Dale’s the author of Navigating The Mortgage Maze: The Simple Truth About Financing Your Home. CURRENT TRENDS IN INTEREST RATES AND MORTGAGES: Dale Vermillion notes that interest rates are continuing to rise, but there's hope for decreases in 2024 as predicted by the Mortgage Bankers Association. Assumable mortgages are becoming somewhat more common due to higher rates. These allow buyers to assume a seller's lower rate, though qualification and legal representation are necessary. HOME VALUES AND MARKET DYNAMICS: Home values are moderating, with some markets experiencing price drops. A 3% increase in property values is expected overall for the year. The current market offers less competition for buyers, more acceptance of contingencies, and over 50% of sales include seller concessions. ADVICE FOR POTENTIAL HOMEBUYERS: Vermillion advises consulting multiple lenders, preparing income documentation, aiming for a 20% down payment to avoid mortgage insurance, and doing thorough homework before approaching a mortgage. On today’s program, Rob also answers listener questions: RESOURCES MENTIONED: Movement MortgageFind a Certified Kingdom AdvisorBankrate.com Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.

THE WORLD'S MESSAGE VS. JESUS' CALL: THE CONCEPT OF ABUNDANCE: JESUS' REDEFINITION OF ABUNDANCE: BARRIERS TO ABUNDANT LIFE: THE ESSENCE OF TRUE ABUNDANCE: ON TODAY'S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

THANKSGIVING'S ORIGINS AND HISTORICAL CONTEXT: PERSEVERANCE AND FAITH OF THE PURITANS: LESSONS ON GRATITUDE AND GOD'S PROVIDENCE: we’re Deuteronomy 8:18 reminds us, “You shall remember the Lord your God, for it is he who gives you power to get wealth, that he may confirm his covenant that he swore to your fathers, as it is this day.” So that’s why we wish you a happy and grateful Thanksgiving, hoping you’ll take time to thank God for all of the blessings you enjoy. Better yet, make it a daily practice. ON TODAY'S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: ChristianCreditCounselors.org Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

ENERGY-SAVING TIPS: 1. Ceiling Fans: Reverse ceiling fan direction clockwise in winter to circulate warm air from the ceiling. 2. Conserve Electricity: Unplug electronic devices when not in use. Use power strips to easily cut off power to multiple devices. 3. Chargers: Unplug device chargers when not in use to prevent unnecessary energy draw. 4. Home Maintenance: 5. Thermostat Setting: Keep at 68 degrees when the heat is on. 6. Utilize Sunlight: Open shades during the day for solar heat; close them at night for insulation. 7. Additional Clothing: Add a layer of clothes before adjusting the thermostat 8. Avoid Blocking Vents: Ensure no furniture or obstructions are blocking heating vents. 9. Consult Power Company: Check for energy-saving suggestions and potential rebates for energy-efficient upgrades. 10. Lighting: Upgrade to LED bulbs for efficiency and use photocells and motion sensor lighting for outdoor areas We hope these tips will help you save some money during the cold weather! ON TODAY'S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

AVOIDING RETIREMENT PLANNING MISTAKES: COMMON ROLLOVER MISTAKES TO AVOID: ADVICE FOR RETIREMENT PLANNING AND ROLLOVERS: Certified Kingdom Advisors (CKAs) can offer guidance on retirement planning and rollovers. ON TODAY'S PROGRAM, ROB ALSO ANSWERS LISTENER QUESTIONS: RESOURCES MENTIONED: Pension Benefit Guaranty CorporationUnclaimedRetirementBenefits.comNerdWallet.comBankRate.comChristian Community Credit UnionSound Mind Investing Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

Brian Holtz is the Chief Operating Officer at Compass—Finances God’s Way. He’s also the author of a brand new book, Financial Discipleship for Families: Intentionally Raising Faithful Children. WHY A BOOK ABOUT MONEY FOR PARENTING? ACTIVE VS. REACTIVE PARENTING WHY A BOOK ABOUT MONEY FOR PARENTING? ACTIVE VS. REACTIVE PARENTING MVP PARENTING: MODELING, VERBAL INSTRUCTION, PRACTICAL OPPORTUNITIES ModelingVerbal InstructionPractical Opportunities ROB ALSO ANSWERS LISTENERS QUESTIONS ABOUT THE FOLLOWING: RESOURCES MENTIONED: Open Hands FinanceChristian Healthcare Ministries Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

“Every good gift and every perfect gift is from above, coming down from the Father of lights, with whom there is no variation or shadow due to change.” James 1:17 Ken Boa is a pastor and founder of Reflections Ministries. Russ Crosson is executive vice president and chief mission officer of Ronald Blue Trust. This is the second of our interviews about a book they co-authored, titled Leverage: Using Temporal Wealth for Eternal Gain. [1:35] WHAT IS BIBLICAL LEVERAGE AND IS GIVING TO CHURCH AND MINISTRIES CONSIDERED BIBLICAL LEVERAGE? (Biblical leverage is the concept of using one's financial resources in ways that align with God's will, rather than accumulating wealth for its own sake.) [2:35] HOW SHOULD CHRISTIANS DECIDE HOW MUCH TO GIVE? [4:04] WHAT DOES SACRIFICIAL GIVING LOOK LIKE FOR THOSE WITH SIGNIFICANT WEALTH? (Sacrificial giving for the wealthy is characterized by a deliberate choice to give up something valuable or desired for the sake of contributing to God's work.) [7:06] WHAT IS IMPORTANT TO KNOW ABOUT SACRIFICIAL GIVING ACCORDING TO SCRIPTURE? [8:20] WHAT IS THE ROLE OF THE HOLY SPIRIT IN DECISION-MAKING ABOUT GIVING? [9:50] WHAT ARE THE BARRIERS TO GIVING AND HOW DOES ACCOUNTABILITY FIT INTO STEWARDSHIP? [10:45] WHAT DEFINES GOOD STEWARDSHIP? [11:14] HOW DOES THIS DISCUSSION REVEAL THE FALSEHOOD OF THE PROSPERITY GOSPEL? [12:30] WHAT IS ‘REVERSE COMPOUNDING?’ [13:10] WHAT PRIVILEGE DOES GIVING OFFER TO BELIEVERS? Ken Boa and Russ Crosson have been our guests today. They’re authors of Leverage: Using Temporal Wealth for Eternal Gain. On today’s program, Rob also answers listener questions: RESOURCES MENTIONED: Christian Credit CounselorsFind a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.

Faith Full Giving According to Hebrews 11:1, faith is confidence in what we hope for and assurance about what we do not see. Faith is the heartbeat of our walk with God. Today we’ll find out what the story of Cain and Abel has to tell us about faith as it relates to giving. Our confidence, or faith, that God is who he says he is, and that Jesus is the way, the truth, and the life…are rooted in God’s word. We have purpose and hope because of our faith, which touches every area of life, including our finances. Today, we’re going to take a trip way back into Genesis to find out how faith in the area of giving played a part in the story of brothers Cain and Abel. You may remember that Cain and Abel were sons of Adam and Eve, born after the couple sinned and were driven from the Garden of Eden. Their story is found in Genesis 4. It’s a tragic tale of resentment and murder. Cain killed his younger brother Abel because of an offering. Here’s what it says in Genesis 4:2-5: Now Abel kept flocks, and Cain worked the soil. In the course of time Cain brought some of the fruits of the soil as an offering to the Lord. And Abel also brought an offering—fat portions from some of the firstborn of his flock. The Lord looked with favor on Abel and his offering, but on Cain and his offering he did not look with favor. So Cain was very angry, and his face was downcast. WHAT CAN WE LEARN FROM CAIN AND ABEL ABOUT FAITH IN GIVING? - Faith, as defined in Hebrews 11:1, is crucial in all aspects of life, including financial matters. - The story of Cain and Abel in Genesis 4 shows contrasting attitudes in giving: Abel’s offering was favored by God due to his faith-filled approach, while Cain's lack of faith was evident in his lesser offering. - Abel demonstrated faith by offering the best parts of his firstborn flock, signifying trust in God's provision. In contrast, Cain's offering lacked faith, evident in his choice to give only some fruits without prioritizing the first fruits. WHY DID GOD FAVOR ABEL'S OFFERING OVER CAIN'S? - Hebrews 11:6 states that without faith, it is impossible to please God, highlighting the importance of faith in our actions, including giving. - Abel’s gift was an act of faith, reflecting his submission to God’s authority and trust in His provision. - Cain's offering, lacking faith, showcased an attitude not aligned with Godly submission or trust, leading to God's disfavor. HOW DOES THE STORY OF CAIN AND ABEL APPLY TO CHRISTIANS TODAY? - The story emphasizes the importance of faith and right attitudes in our relationships and offerings. - Jesus teaches in Matthew 5:23-24 about reconciling with others before offering gifts to God, stressing the significance of faith and relationships in our spiritual lives. “Therefore, if you are offering your gift at the altar and there remember that your brother or sister has something against you, leave your gift there in front of the altar. First go and be reconciled to them; then come and offer your gift.” - As Christians, we have opportunities every day to “do what is right”. By the power of the Holy Spirit in us, we can choose to walk in faith, as Abel did. On today’s program, Rob also answers listener questions: - I'm looking to transfer property to a family member while I'm still alive, although it's already in my will. I need advice on how to do this correctly. - As a 59-year-old truck driver, I'm considering retiring at 62. Should I rely on my investments until I'm 65 and then claim Social Security, or should I file for Social Security at 62 and let my investments grow? - I'm thinking about making an investment and need advice on choosing an investment company. I currently have investments with Fidelity and am considering Ameriprise. - Recently baptized and new to faith, my wife and I agreed to give a small amount to our church. I want to give more, but she's uncomfortable with that. I need guidance on how to handle this situation. RESOURCES...

Making Money an Asset to Marriage With Gary Chapman Money is usually cited as one of the top reasons for divorce. It’s almost never seen as a way to actually strengthen a marriage. Gary Chapman joins us today to talk about how you can make that happen. Gary Chapman is a pastor, speaker, counselor, and author of several books on Christian relationships. 1:38 - DEBUNKING THE MYTH: MORE MONEY, BETTER MARRIAGE: Dr. Chapman clarifies that having more money does not necessarily improve a marital relationship. He emphasizes that some of the happiest and strongest marriages involve couples who are just making ends meet. 2:08 - IMPACT OF DIFFERENT MONEY BACKGROUNDS AND PERSONALITIES: Exploring how family upbringing affects attitudes towards money, Dr. Chapman shares personal stories and emphasizes the need for understanding and respect for these inherent differences in marriage. They also address the common spender-saver dynamic in marriages, highlighting the importance of empathy and respect in navigating these differences. 3:40 - COMMUNICATION AS KEY TO FINANCIAL UNITY: Dr. Chapman underscores the importance of strong communication in coming together on money, advocating for a team approach and shared decision-making in financial matters. They discuss the value of couples having open conversations about finances before marriage, including topics like tithing, saving, and budgeting. 7:14 - FIRST FINANCIAL RESPONSIBILITY: HONORING GOD WITH FINANCES: Dr. Chapman talks about honoring God with finances and explains the biblical foundation of tithing and its importance in a marriage. 8:24 - RECONCILING DIFFERENCES IN GIVING: Addressing how to handle differing opinions on giving, he highlights the need to be understanding the other's perspective and finding a compromise that honors both views. For couples where one partner is not a believer, Dr. Chapman provides guidance on approaching the giving conversation with respect and understanding. 10:53 - SECOND FINANCIAL RESPONSIBILITY: PROVIDING FOR THE FAMILY: They delve into the biblical mandate for providing for your family and the importance of this responsibility and in demonstrating love for God through action. Rob and Dr. Chapman also discuss finding a balance in lifestyle choices and financial responsibilities, stressing the need for compromise and shared decision-making. 13:59 - THIRD FINANCIAL RESPONSIBILITY: SAVING FOR THE FUTURE: In talking about the importance of saving for the future, Dr. Chapman encourages couples to set financial goals together and outlines practical steps for achieving them. On today’s program, Rob also answers listener questions: RESOURCES MENTIONED: Movement Mortgage Bankrate.com Lending Tree Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.

A Home Buyer’s Market? With Dale Vermillion Normally, November through February are the slowest months of the year for home sales, and that means buyers have more bargaining power. Will it happen this year? Dale Vermillion gives us his take on the market today. Dale Vermillion with us again today. Dale’s the author of Navigating The Mortgage Maze: The Simple Truth About Financing Your Home. CURRENT TRENDS IN INTEREST RATES AND MORTGAGES: Dale Vermillion notes that interest rates are continuing to rise, but there's hope for decreases in 2024 as predicted by the Mortgage Bankers Association. Assumable mortgages are becoming somewhat more common due to higher rates. These allow buyers to assume a seller's lower rate, though qualification and legal representation are necessary. HOME VALUES AND MARKET DYNAMICS: Home values are moderating, with some markets experiencing price drops. A 3% increase in property values is expected overall for the year. The current market offers less competition for buyers, more acceptance of contingencies, and over 50% of sales include seller concessions. ADVICE FOR POTENTIAL HOMEBUYERS: Vermillion advises consulting multiple lenders, preparing income documentation, aiming for a 20% down payment to avoid mortgage insurance, and doing thorough homework before approaching a mortgage. On today’s program, Rob also answers listener questions: RESOURCES MENTIONED: Movement MortgageFind a Certified Kingdom AdvisorBankrate.com Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.

CHM: A Health Insurance Alternative For Open Enrollment With Lauren Gajdek Choosing a health insurance plan is probably right up there with paying taxes as an unwelcome annual task. Wouldn’t it be great if you never had to do it again? Lauren Gajdek is with us to tell you how today. Lauren Gajdek, Vice President of Communications and Media at Christian Healthcare Ministries, an underwriter of this program. Discussion on Health Cost Sharing: Lauren Gajdek explains that Christian Healthcare Ministries (CHM) is an option that allows enrollment anytime during the year, offering a biblical approach to health care with financial support from Christians nationwide. CHM provides a no-waiting-period membership with no need for pre-authorization from healthcare providers, though some limitations exist for pre-existing conditions. How Health Cost Sharing Works: Gajdek clarifies that CHM is not an insurance company but an alternative. Members control their medical bills, receive discounts, and CHM issues checks to members for paying their healthcare providers. Comparison with Traditional Health Insurance: Analysis of various gold insurance plans shows CHM's monthly costs are about 50% less for individuals and 25% less for families, with even more significant savings annually. CHM members have the freedom to choose their healthcare providers as long as the treatment aligns with CHM guidelines. Further Information and Biblical Foundation: CHM's foundation is based on the biblical verse Galatians 6:2, focusing on carrying each other's burdens as a form of fulfilling Christ's law. Learn more at CHMinistries.org. On today’s program, Rob also answers listener questions: RESOURCES MENTIONED: Christian Community Credit UnionInspire InsightNerdWalletBankrate.comCreditCards.comRemember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach.