<p>Psalm 82:3 says, <i>“Give justice to the poor and the orphan, uphold the rights of the oppressed and the destitute.”</i></p><p>This powerful verse reminds us of our responsibility to care for those in need. Today, we turn our attention to a ministry doing just that—<a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a>, which is providing hope and rescue to the oppressed in India.</p><p>David Harms has devoted nearly a decade of ministry to the work of <a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>. With over 35 years of experience in rescuing victims of human trafficking, <a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a> continues to make a profound impact on the lives of the most vulnerable.</p><h3>The Horrific Reality in India</h3><p>India is a nation of contrasts—technologically advanced in many respects, yet home to nearly 300 million people living in extreme poverty. Among the most vulnerable are young girls, some as young as eight, who are trafficked into red-light districts and subjected to unimaginable horrors. These girls endure horrific conditions, facing abuse daily in slums filled with filth and open sewage. The purpose of this abuse is to break their spirits, forcing them to believe they have no escape and no hope of a future.</p><p><a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a>, a ministry that has been rescuing victims of human trafficking for over 40 years, works tirelessly to save these young girls from this life of exploitation. Through their rescue efforts, they take these girls from the red-light districts to safe houses where they receive love, care, and, most importantly, the hope of Jesus.</p><h3>Safe Houses: A Place for Healing</h3><p><a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a>' safe houses offer full care, including room and board, private Christian education, medical attention, and trauma counseling. Each girl receives individual and group therapy to address the deep wounds inflicted upon them. Over time, these girls are not only physically rescued but spiritually healed, learning their true identity in Christ as beloved daughters of God.</p><h3>How You Can Help</h3><p>As stewards of God’s resources, we have a role to play in alleviating this suffering. You can partner with <a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a> to bring hope and healing to these young girls. For just $8.89, you can underwrite a day of care for one girl. Visit <a href="http://indiapartners.org/faith">IndiaPartners.org/faith</a> to learn more and give generously.</p><p>Your support of <a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a> allows you to be the hands and feet of Jesus, offering rescue, healing, and hope to those in desperate need. Visit <a href="http://indiapartners.org/faith">IndiaPartners.org/faith</a> today and make a difference in the lives of India’s most vulnerable.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>We are buying a new home and selling our current home, which we purchased over 30 years ago for $100,000 and is now worth $500,000-$550,000. Will we have to pay capital gains tax on the sale?</li><li>How do you determine whether a reverse mortgage would be beneficial?</li><li>I own a condo with no mortgage and want to buy an investment property. The bankers are telling me to take out equity from my condo to do this, but I need clarification on this. Wouldn’t it be better to get a conventional or FHA loan for the investment property instead?</li><li>In a divorce situation where one spouse was a stay-at-home parent for many years, what determines the obligation for spousal support or alimony, especially if that spouse has a disability and limited assets?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://indiapartners.org/product/R10241/rescue-a-child-today">India Partners</a></li><li><a href="https://movement.com/faith?_branch_match_id=1354437665083707365&amp;utm_medium=faithfi&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWz80vS81NzSuxrytKTUstKsrMS49PKsovL04tsnXOKMrPTQUAaZFz8zkAAAA%3D">Movement Mortgage</a></li><li><a href="https://www.amazon.com/Understanding-Reverse-Simplifying-Mortgage/dp/B0CTR2VSL9/ref=sr_1_1?crid=1VAYYWX8XTE5J&amp;dib=eyJ2IjoiMSJ9.NPoWJacEqjN98hnDVNx1mceH_3OoICcIRolrIxr7CQGvBzn7z3t3UXfVilAcNFTFtc3Mqqq-lu37kvxewFPTvECmrT7rsTcPcgEPXdPCgPX8vdwm0t8maQimVjH2gEkNoiMJkJbsJbuStF8AHnrlrMaY1a00YnDXrpoBLhubljwmhZO79a9UQqvJF7M7tXmyKeFDZQ9fkiVA9FB0U-25ISdpWK5RAnWsgabRdoSuckk.hbn3DQuYQtx40BK87-Q3bDKD3CglVdavsT_Vu7P8WwY&amp;dib_tag=se&amp;keywords=Understanding+Reverse&amp;qid=1729876233&amp;sprefix=understanding+reverse%2Caps%2C142&amp;sr=8-1">Understanding Reverse: Simplifying the Reverse Mortgage by Dan Hultquist</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

FaithFi

Faith & Finance is a daily radio ministry hosted by Rob West. The program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

Faith & Finance with Rob West

Psalm 82:3 says, “Give justice to the poor and the orphan, uphold the rights of the oppressed and the destitute.” 

This powerful verse reminds us of our responsibility to care for those in need. Today, we turn our attention to a ministry doing just that—India Partners, which is providing hope and rescue to the oppressed in India.

David Harms has devoted nearly a decade of ministry to the work of India Partners, an underwriter of Faith & Finance. With over 35 years of experience in rescuing victims of human trafficking, India Partners continues to make a profound impact on the lives of the most vulnerable.

Bringing Hope to India’s Most Vulnerable with David Harms

<p>Marriage is a living relationship that requires constant care and attention. Dr. Gary Chapman, renowned author of <a href="https://www.amazon.com/Love-Languages-Secret-that-Lasts/dp/080241270X/ref=tmm_pap_swatch_0?_encoding=UTF8&amp;dib_tag=se&amp;dib=eyJ2IjoiMSJ9.MeElUaCPU9PbSpr3CMLRv7uQk31geh-8XhMBugjNqpvp6qhpWSGbxx1cM0l-W7tPaSkPxtng6SfPzkR3Sh_Eaj4PNUA-0RtmtrebVjLaDMF5bXqJFmXb01awWeLZ6zS5ddEQ_kdOVBiRe1SGbRKX0EmLi1eeAdpHB4BYvYVZs4hz4zgRGhZ9M_WLKnA2ViP4BUc_Yoou7AwRfQfSsro8wllJmX_U9hyN2Yi8LWhi9wFyUl5K53iU02xmaQwd77Xuz-SX74NIKdZHGsBtDOtkyGeGK-5TLe3C65xTk49CDxc.O6bimDEJLwNIsUw4xGdrk5TE8_y2OJOlxYu8IP3YETw&amp;qid=1729874368&amp;sr=8-4"><i>The 5 Love Languages: The Secret to Love that Lasts</i></a>, highlights this in his resource, <a href="https://www.amazon.com/Couples-Guide-Growing-Marriage-Bible/dp/0802412289/ref=sr_1_14?crid=13ISOPA4JB8CT&amp;dib=eyJ2IjoiMSJ9.MEdN_3w9LhZB4ZhHSFkFjsptk4727X3ihs0fllCTo0jICRyZA_oTPW_-nntfb07HexMbKbr2o6Yb0U0zQ0z_KBE7oc48VYPufuGgCiRZNEK9tbKJZ-GtWqz08uHusr3zue5Oiqg6pz36FqFjYLKJYikYoyb5y0rMpXj6JuC0dah0htT95xpQIKxYJSOP8IZqMUjobFv4afLvV7ntRVGj73EC3GVdJxyI8mcgVywRBThOetOwuUlM8BzgQI9G4QL9iOZT3AWuoAqSuLLIypb0zAETCPLfmHDs9b94z10A_Zw.yGto9yC17XlceKTrSF4M4mg6EavWCsPi6oVJYn3TKCw&amp;dib_tag=se&amp;keywords=Gary+Chapman&amp;qid=1729874210&amp;sprefix=gary+chapma%2Caps%2C217&amp;sr=8-14"><i>A Couple’s Guide to a Growing Marriage</i></a>. This Bible study helps couples invest in their marriage with a structured, intentional approach, ensuring their relationship grows stronger.</p><p>Working on your marriage benefits not just the couple but also their children and the broader community. Strong marriages create strong families, which have a positive impact on society. For Christian couples, it’s essential to follow biblical principles for marriage, as the Bible has much to say about how to nurture this sacred relationship.</p><h3>What’s In The Study?</h3><p>This 12-week Bible study includes:</p><ul><li><strong>Weekly Activities and Bible Study:</strong> Each session starts with an opening activity and a Bible study focused on topics related to marriage and our relationship with God.</li><li><strong>Practical Exercises: </strong>Couples engage in learning exercises that apply biblical teachings to their relationship.</li><li><strong>Scripture Memorization:</strong> Memorizing verses helps reinforce the lessons learned.</li><li><strong>Daily Conversations:</strong> Couples are encouraged to have daily conversations with God and with each other, fostering open communication and deeper understanding.</li></ul><p>Topics covered include communication, expressing love, handling anger, and resolving conflicts—essential skills for any marriage.</p><h3>The Importance of Communication</h3><p>A key theme in the study is the importance of regular, honest communication. Marriages don’t drift together; they drift apart. Therefore, couples must intentionally spend time together, discuss their feelings, and address issues. By listening to each other with the goal of understanding, not arguing, couples can find solutions and strengthen their bond.</p><h3>Managing Finances Together</h3><p>One chapter focuses on making money an asset to your marriage while stressing the importance of financial transparency and fidelity. Managing money together is a significant part of marriage, and disagreements over finances are common. The study encourages couples to align on issues like giving, saving, and spending while working as a team to manage household finances.</p><h3>The Win: A Stronger, Healthier Marriage</h3><p>Couples who commit to this study will be better equipped to nurture a loving, supportive, and united marriage. Not only will they benefit, but their children will also see a healthy model of financial and relational teamwork.</p><p>Dr. Chapman’s <a href="https://www.amazon.com/Couples-Guide-Growing-Marriage-Bible/dp/0802412289/ref=sr_1_1?crid=16Q2QJL1A2S3O&amp;dib=eyJ2IjoiMSJ9.56ywQ9VEZT5-PZsEB9jLAFcySEVZ1W7wAUAT-W1eS-a56dBDd46Vdn3UsN2DSMdtb_imrppU5nrVB7-pDWkuOExouKk0m82EdeWqIm9tARtNA0EjIxzdXpm6P-X6q_xI0p-tjdXmCSNf0YMy6VPihuBisOlLHfyk435hObhpRcU10aWdf0nSm-Hyn5-asfGYXlVSY0Qxktd-aA4ugK0ax0-rKpqmOjcVIk4QN8Y6Obs.rS38S8l61vZ4s_0WygcYFzQ9NBzVR_Jbq9skLlHtm3c&amp;dib_tag=se&amp;keywords=Couples+Guide+to+A+Growing+Marriage&amp;qid=1729874690&amp;sprefix=couples+guide+to+a+growing+marriag%2Caps%2C125&amp;sr=8-1"><i>A Couple’s Guide to a Growing Marriage</i></a> offers a pathway to the marriage every couple dreams of—one built on love, trust, and shared faith.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a friend who buys a house a year and uses it for Airbnb. He's profitable. I'm just concerned about what they're talking about, the economy, and the changes that might happen. I would like to know your thoughts and an exit strategy should things go south.</li><li>My husband and I are dairy farmers with operating and capital lines of credit. We've struggled to make progress on these lines in the last couple of years. We have some money in a Roth IRA that we're considering using to pay down the lines of credit, which now have an 8.5% interest rate. Would there be any tax consequences to withdrawing the Roth IRA funds?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://www.amazon.com/Couples-Guide-Growing-Marriage-Bible/dp/0802412289/ref=sr_1_1?crid=16Q2QJL1A2S3O&amp;dib=eyJ2IjoiMSJ9.56ywQ9VEZT5-PZsEB9jLAFcySEVZ1W7wAUAT-W1eS-a56dBDd46Vdn3UsN2DSMdtb_imrppU5nrVB7-pDWkuOExouKk0m82EdeWqIm9tARtNA0EjIxzdXpm6P-X6q_xI0p-tjdXmCSNf0YMy6VPihuBisOlLHfyk435hObhpRcU10aWdf0nSm-Hyn5-asfGYXlVSY0Qxktd-aA4ugK0ax0-rKpqmOjcVIk4QN8Y6Obs.rS38S8l61vZ4s_0WygcYFzQ9NBzVR_Jbq9skLlHtm3c&amp;dib_tag=se&amp;keywords=Couples+Guide+to+A+Growing+Marriage&amp;qid=1729874690&amp;sprefix=couples+guide+to+a+growing+marriag%2Caps%2C125&amp;sr=8-1">A Couple's Guide to a Growing Marriage: A Bible Study by Dr. Gary Chapman</a></li><li><a href="https://www.amazon.com/Love-Languages-Secret-that-Lasts/dp/080241270X/ref=tmm_pap_swatch_0?_encoding=UTF8&amp;dib_tag=se&amp;dib=eyJ2IjoiMSJ9.MeElUaCPU9PbSpr3CMLRv7C6aVUg5RY-jDzaZ64KjANjdTnwa01WBpyNbgsKTKhcPbpD-0QwXsO0lpsCI19Hdjf6w85ibJue3jw0AEdAabwzsxz7XsPKnvi0-yYU-Xf42KfSS4mv_3YoR4pjWrwspr6gUm5VkGY4eURphHGXJFTVbxq8Cs--XtZ257rqbrosIDz93YPSqW7YqsNgeeRUfVzrGqNeNmDju-0EEiO2i7s.B_m7vS57BhGjtC-LeSVAszxUagYUqRmFLA4L3tYBzoM&amp;qid=1729874963&amp;sr=8-1">The 5 Love Languages: The Secret to Love that Lasts by Dr. Gary Chapman</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Are you looking for a way to grow your relationship with God, and with your spouse if you’re married? 

If you’re willing to put in some time and effort, a great new resource will help you enhance your marital and spiritual relationships. We’re pretty excited about it, and Dr. Gary Chapman is here to explain it all.

Dr. Gary Chapman is a highly sought-after speaker, counselor, and author of several books on love, communication, and personal growth. His most famous work is The 5 Love Languages: How to Express Heartfelt Commitment to Your Mate.

Why Investing In Your Marriage Matters with Dr. Gary Chapman

<p><i>“Test everything; hold fast what is good.”</i> - 1 Thessalonians 5:21</p><p>In that verse, the Apostle Paul teaches that we should practice discernment in all things. We would include financial advice.</p><p>One of the most common questions we receive is, <i>"How can I choose a financial advisor who I can trust and who fits my financial situation?"</i> Fortunately, there are practical steps you can take to ensure you find someone reliable, especially by starting with a <a href="https://www.faithfi.com/find">Certified Kingdom Advisor (CKA)</a>.</p><p>At <a href="https://www.faithfi.com/">FaithFi</a>, we recommend beginning your search with <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>. With over 1,600 CKAs, these professionals are skilled in various financial disciplines and share your Christian values. You can easily connect with one by visiting our website and clicking "<a href="https://www.faithfi.com/find">Find a Professional</a>."</p><p>When selecting a financial advisor, we always recommend interviewing two or three candidates to find the best fit. Below are key questions to help guide your conversations.</p><h3>1. Experience and Qualifications</h3><ul><li>How long have you been in practice?</li><li>What professional certifications do you hold?</li><li>Can you tell me about your practice and areas of specialty?</li></ul><p>These questions help you understand their background and expertise, ensuring they’re experienced in the areas you need help with.</p><h3>2. Service Expectations</h3><ul><li>Will you or an associate work with me directly?</li><li>How long will it take to complete my work?</li><li>What are your client response times and communication methods?</li></ul><p>These questions clarify what kind of service you’ll receive and help you set realistic expectations for timelines and communication.</p><h3>3. Referrals and Reputation</h3><ul><li>Do you have clients in similar situations who might speak with me?</li><li>Are you in good standing with your professional associations?</li><li>Have you ever been cited for disciplinary reasons or had complaints filed against you?</li></ul><p>Asking about their reputation and seeking referrals ensures you work with someone respected and trustworthy.</p><h3>4. Compensation Structure</h3><ul><li>How are you compensated—fees, commissions, or both?</li><li>Do you charge for initial consultations?</li><li>What do you project my costs will be for your services?</li></ul><p>Understanding how fees are paid is critical. Ask how fees are structured and calculated to avoid surprises down the road.</p><h3>Take the Next Step</h3><p>Choosing the right financial advisor requires diligence. These questions will help you make an informed decision and find someone who aligns with your values and financial needs. We encourage you to begin your search with a <a href="https://kingdomadvisors.com/">Kingdom Advisor</a> by visiting <a href="http://faithfi.com">FaithFi.com</a> and clicking “<a href="https://www.faithfi.com/find">Find a Professional</a>.”</p><p>By following this process, you’ll connect with someone who offers expert financial advice and shares your faith and values.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>What is the minimum time frame to hold a losing stock before selling and reinvesting in a potentially different stock? Also, what would be a good resource to research the legitimacy and potential of a brand-new stock?</li><li>I recently had two data breaches—one with my retirement fund and one with my bank. Both offered free credit monitoring services. Is it advisable to use both monitoring services at the same time? And is the CyEx company reputable?</li><li>I'm recently retired, and I have a 9-year-old car that I really like. Some of my friends have recently purchased new cars, and I'm concerned about feeling pressured to buy an electric or hybrid vehicle. Is there an urgency for me to replace my older car that's still running well, or can I just stick with my current car?</li><li>I'm retired and thinking of selling a rental property. How is the capital gains tax rate determined? Is it based on my total or adjusted gross income? If I have $400,000 in capital gains, would that get added to my other income to figure out the tax bracket?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://www.fool.com/">Motley Fool</a> | <a href="https://www.morningstar.com/">Morningstar</a> | <a href="https://www.marketwatch.com/">MarketWatch</a> | <a href="https://seekingalpha.com/">Seeking Alpha</a> | <a href="https://finance.yahoo.com/">Yahoo Finance</a></li><li><a href="http://annualcreditreport.com">AnnualCreditReport.com</a> | <a href="https://www.creditkarma.com/">Credit Karma</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“Test everything; hold fast what is good.” - 1 Thessalonians 5:21

In that verse, the Apostle Paul teaches that we should practice discernment in all things. We would include financial advice.

One of the most common questions we receive is, "How can I choose a financial advisor who I can trust and who fits my financial situation?" Fortunately, there are practical steps you can take to ensure you find someone reliable, especially by starting with a Certified Kingdom Advisor (CKA).

At FaithFi, we recommend beginning your search with Kingdom Advisors. With over 1,600 CKAs, these professionals are skilled in various financial disciplines and share your Christian values. You can easily connect with one by visiting our website and clicking "Find a Professional."

When selecting a financial advisor, we always recommend interviewing two or three candidates to find the best fit. In this episode, we discuss some key questions to help guide your conversations.

What Questions Should I Ask A Potential Financial Advisor?

<p><i>“Train up a child in the way he should go; even when he is old he will not depart from it.”- Proverbs 22:6</i></p><p>God’s Word tells us that children should be taught early how to live wisely and righteously, including how to handle money. Howard Dayton is here to explain why it’s especially important to teach kids about the dangers of debt.</p><p>Howard Dayton is the founder of <a href="https://compassfinancialministry.org/"><i>Compass Financial Ministry</i></a> and the former host of this program. He is also the author of a number of books on the topic of Christian Finance and Stewardship.  </p><h3>The Little-Big Principle: Starting Small</h3><p>The Little-Big principle is based on Luke 16:10: <i>“He who is faithful in a very little thing is faithful also in much.”</i> This principle encourages parents to start small when teaching children about money. The idea is to give kids small amounts to manage, like nickels and dimes, and then gradually increase the amount as they prove responsible. Eventually, they’ll be prepared to manage larger amounts of money.</p><p>Parents should aim to steadily increase their children’s financial responsibilities so that by the time they’re seniors in high school, they’re independently managing most of their finances, aside from essentials like food and shelter. They should also be as systematic in teaching children about money as schools teach them to read and write—starting with the basics and progressing over time.</p><p>When children reach their junior year in high school, they should open a checking account and get a secured credit card. This allows them to learn critical skills, like reconciling budgets and paying off balances in full each month. Developing these habits early on can set them on a path to financial freedom and help them avoid debt throughout their lives.</p><h3>The MVP Parenting Method: Model, Verbalize, and Provide Practical Opportunities</h3><p>The MVP method—modeling, verbal communication, and practical opportunities—is a very beneficial framework for teaching children about money. All three are essential for training children to be good stewards of God’s resources.</p><h3>1. Modeling</h3><p>Parents must lead by example. In 1 Corinthians 11:1, Paul said, <i>“Follow my example, as I follow the example of Christ.”</i> Children learn by watching their parents handle money wisely, so parents need to demonstrate sound financial stewardship. Whether budgeting, giving, or avoiding debt, children are more likely to adopt these habits when they see them modeled in everyday life.</p><h3>2. Verbal Communication</h3><p>The Bible instructs us to teach our children about God’s ways consistently. Deuteronomy 6:6-7 encourages parents to impress God’s commandments upon their children and talk about them regularly. Parents should frequently discuss biblical financial principles with their kids, helping them understand how these truths apply to their own lives.</p><h3>3. Practical Opportunities</h3><p>Giving children opportunities to apply what they’ve learned is essential. Hands-on experiences help children understand the impact of debt in a tangible way.</p><h3>Resources for Financial Discipleship</h3><p>For parents looking to dive deeper, Howard Dayton and <a href="https://compassfinancialministry.org/">Compass Financial Ministry</a> offer a resource titled <a href="https://compassfinancialministry.org/product/financial-discipleship-for-families/"><i>Financial Discipleship for Families: Intentionally Raising Faithful Children</i></a>. This book provides more detailed guidance on teaching kids about finances from a biblical perspective and is available through <a href="https://www.amazon.com/Financial-Discipleship-Families-Brian-Holtz/dp/B0CLDY2NY8/ref=sr_1_1?crid=1FGEYX1DJS3NB&amp;dib=eyJ2IjoiMSJ9.onAajKVyq85sDaI2lVQowceLBcsZYY1aXyE9L8nJHvREhccv29Ckx_vvpP8o_c7_iOrqCd5KihI1Kp4enpo8YdZYM_KzbncFHIlyPUqoMDVPcu5oXYIcTY0PToNCALA5blV6ZsrfQShd80a0OQ9Ardh1VSsMg2cO0sEsYezZ1QqiIjqsuLvsnzvrstqBnny7Ip8SOioDduihsfejFxk9X_PBNgqCr5CgfOPBOB2x-lg.bKWs8Hd2sQM44eOpwug7_07eNGxHLt2ay1xgmDrxDRA&amp;dib_tag=se&amp;keywords=brian+holtz&amp;qid=1729540694&amp;sprefix=brian+holt%2Caps%2C165&amp;sr=8-1">Amazon</a> or <a href="https://compassfinancialministry.org/product/financial-discipleship-for-families/">Compass Financial Ministry</a>’s website.</p><p>Teaching kids about money doesn’t happen overnight. It’s a process that requires modeling good habits, consistent communication, and providing practical opportunities for them to learn. By applying the Little-Big principle and becoming MVP parents, you can equip your children with the financial wisdom they need to be faithful stewards of God’s resources for a lifetime.</p><p>For more tools and resources, visit Compass Financial Ministry at <a href="http://compassfinancialministry.org">CompassFinancialMinistry.org</a>. </p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I've had some health issues over the last seven months, and my kids would like me to move out to Washington State. I found a lovely condo that interests me, but it's a co-op. I didn't know much about co-ops, so I would like to know if you have any words of wisdom for me about what I should be aware of when considering a co-op property.</li><li>For the past three years, I've been giving through the required minimum distribution (RMD) program. My church has been happy to receive these funds, but I'm still working. I was told you don't have to take the RMD if you're still working. Is that true?</li><li>I have an IRA and retirement account to be divided equally between my three children. One of my children's spouses does not handle money well. Can I set up a trust for that child's portion to distribute according to my wishes when I pass away? My son, the executor, doesn't want to do this because he's concerned it could cause problems.</li><li>I have an old revocable trust, over 40 years old, that no longer reflects my current situation. Is there any way I can get rid of this trust without going through many steps or spending a lot of money with an attorney?</li><li>I'm 64 years old and considering end-of-life planning and documents. I want to ensure my affairs are in order and avoid probate when I'm gone. But the lawyers are quoting me $3,000 to $5,000 to get everything set up. Can I get this done more affordably without spending that much? I'm not great at paperwork, so I'm looking for an option that only requires a little DIY.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://compassfinancialministry.org/">Compass Financial Ministry</a></li><li><a href="https://compassfinancialministry.org/product/financial-discipleship-for-families/">Financial Discipleship for Families: Intentionally Raising Faithful Children by Brian C. Holtz</a></li><li><a href="https://amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765/ref=sr_1_1?dib=eyJ2IjoiMSJ9.AjFIs-iqCuDk9w8kRtfDW5iAkS3CMRjpqTMWzWLLz_kc-oEGEbrrPn4nFGTOT5KuF9UEj6_ovDbC0h__zYVObJdvXc26hiw9di7SGJjcCK0wBy45872uxVtwnL4XkSR_3O54RH1RXlZessvvsTUs2DTE5RpBKPLQNkIdEyKggKwZufFiE1UN2NHaM5-y_KiOYCLxZ_O1VDuDQYblGxw3GHHdL30oCK_sCcW5pUIh20U.fZC-xtSKxN1qAtXtaaOXl4BvT9z06eYTNP0G59Y5dgY&amp;dib_tag=se&amp;keywords=splitting+heirs&amp;qid=1729541087&amp;sr=8-1">Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue</a></li><li><a href="http://bankrate.com">Bankrate.com</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“Train up a child in the way he should go; even when he is old he will not depart from it.”- Proverbs 22:6

God’s Word tells us that children should be taught early how to live wisely and righteously, including how to handle money. Howard Dayton is here to explain why it’s especially important to teach kids about the dangers of debt.

Howard Dayton is the founder of Compass Financial Ministry and the former host of this program. He is also the author of a number of books on the topic of Christian Finance and Stewardship.

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Jesus talked a lot about money because it's a chief competitor for our hearts.

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LATEST PODCASTS

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What if We Live Like
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