<p>Did you hear about the guy who paid his taxes to the IRS with a smile? It didn’t work out, though—it turns out they prefer money.</p><p>Well, paying taxes is certainly no laughing matter, and we don’t want to miss something that could end up costing us money. Fortunately, Kevin Cross is here today with a list of year-end tax tips you don’t want to miss.</p><p><a href="https://kevincrosscpa.com/">Kevin Cross</a> is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS. </p><h3>2024 Year-End Tax Strategies</h3><p>As the end of 2024 draws near, these are some critical financial moves that can help you maximize your tax savings: </p><h3>1. Review Withholding and Estimated Payments</h3><p>The first step in year-end tax prep is to check how much you’ve paid in taxes this year. Avoid underpaying (which leads to penalties) or overpaying (which gives the government an interest-free loan on your money). For those behind on withholding, consider adjusting your remaining paychecks to make up the difference.</p><h3>2. Max Out Retirement Contributions</h3><p>Contributing to a retirement account like a 401(k) or IRA is one of the best ways to lower your taxable income. For high-income earners, consider a “backdoor Roth IRA”—a strategy involving non-deductible IRA contributions converted to a Roth IRA, providing tax-free growth.</p><h3>3. Optimize Charitable Contributions</h3><p>Charitable giving is a powerful tax strategy, especially if you bundle multiple years of contributions. By “bunching” donations, you may surpass the standard deduction threshold, allowing you to itemize and benefit from your generosity. A <a href="https://www.ncfgiving.com/?gad_source=1&amp;gclid=CjwKCAiAudG5BhAREiwAWMlSjJ5sCMoZbdV_VG5x2JKI-1jrRUqNM6jNV7fuCXM_nGqzhREwEc7qOBoC-hsQAvD_BwE">donor-advised fund (DAF)</a> can streamline this process, allowing you to make a large donation this year and distribute it to charities over time.</p><h3>4. Donate Appreciated Assets</h3><p>Consider donating appreciated stocks or mutual funds to avoid paying capital gains tax on the appreciation. For example, if you bought stock for $1,000 and it’s now worth $1,500, donating it allows you to deduct the full $1,500 without incurring capital gains tax on the $500 gain.</p><h3>5. Qualified Charitable Distributions for IRA Holders</h3><p>For those 70½ or older, Qualified Charitable Distributions (QCDs) from an IRA allow you to donate directly to charity without counting the distribution as taxable income. This is particularly helpful if you’re taking the standard deduction.</p><h3>6. Take Advantage of Section 121 Exclusion on Home Sales</h3><p>Section 121 of the tax code allows homeowners to exclude up to $500,000 in capital gains (for married couples) when selling their primary residence, provided they’ve lived in it for at least two of the last five years. This is a significant opportunity for those considering selling their homes in a high-appreciation market.</p><h3>7. Avoid Underpayment Penalties</h3><p>Quarterly estimated payments are essential to avoid IRS interest and penalties if you're self-employed or a gig worker. Failure to pay quarterly could result in a penalty that acts like interest on unpaid taxes, making it costlier than paying in installments.</p><h3>8. Don’t Ignore Past Tax Issues</h3><p>If you’re behind on tax filings or payments, now’s the time to act. Many individuals feel overwhelmed, but taking the first step to seek professional help can bring peace and clarity. We advise you to contact a CPA with IRS experience to assist with this process.</p><p>These strategies can help you make the most of tax season and avoid paying more than necessary. Remember, the tax code is complex, and each situation is unique, so consulting with a CPA, especially one experienced in IRS negotiations, can provide personalized guidance. </p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have some rental properties that I'm worried will be sold for cheap at auction after I'm gone since my kids in California don't want to return to Arkansas. Should I sell the properties and put the money in a trust for my grandkids' education?</li><li>I'm contributing 15% of my income to my 401(k), and my employer matches 5%. But I'm trying to build up my emergency savings, and I'm only at about two months' worth right now. Should I stop contributing to my 401(k) for now so I can focus on getting my emergency fund up to 6 months' expenses?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://kevincrosscpa.com/">Kevin Cross, CPA</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</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

Did you hear about the guy who paid his taxes to the IRS with a smile? It didn’t work out, though—it turns out they prefer money.

Well, paying taxes is certainly no laughing matter, and we don’t want to miss something that could end up costing us money. Fortunately, Kevin Cross is here today with a list of year-end tax tips you don’t want to miss.

Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the IRS.

Year-End Tax Tips with Kevin Cross

<p>They say that winners never quit and quitters never win, but that’s not really true, is it? What if you’re trying to quit a bad habit?</p><p>It’s not only okay to quit a bad habit; it’s something we should always strive to do—especially with investing. Mark Biller joins us today with a list of bad habits you should quit if you find yourself doing them.</p><p>Mark Biller is Executive Editor and Senior Portfolio Manager at <a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1295850508872026842&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEsHAC68E5srAAAA">Sound Mind Investing</a>, an underwriter of <a href="https://www.faithfi.com/show">Faith & Finance</a>. </p><h3>Go Ahead, Be a Quitter</h3><p>In a recent article titled <a href="https://soundmindinvesting.com/articles/go-ahead-be-a-quitter">“Go Ahead, Be a Quitter”</a> at <a href="http://soundmindinvesting.com">SoundMindInvesting.com</a>, six bad investing habits are discussed as they explain why quitting them can lead to better financial outcomes.</p><h3>1. Quit Standing on the Sidelines</h3><p>One of the worst habits in investing is not starting at all. Time is crucial for building wealth, thanks to the power of compound interest—often referred to as the “8th wonder of the world.” Investing in well-managed, growing businesses, primarily through stocks, has historically provided returns that outpace inflation. So, instead of staying on the sidelines, become a part-owner of corporate America by investing.</p><h3>2. Quit Waiting for a “Low-Risk” Entry Point</h3><p>Trying to time the market is nearly impossible. Waiting for the “perfect” moment often means missing out on valuable time in the market. Over any five-year period, a diversified stock portfolio rarely loses money and frequently produces high returns. Consistency and patience, rather than timing, are the true keys to long-term growth.</p><h3>3. Quit Looking for a Reason to Sell</h3><p>Every financial expert seems to have a new doom-and-gloom prediction, but tuning into this noise can hurt long-term gains. Inflation—not market downturns—is often the biggest threat to wealth, and stocks are one of the best defenses against inflation. Instead of looking for reasons to sell, commit to investing long-term and avoid unnecessary panic.</p><h3>4. Quit Making Things Complicated</h3><p>Avoid drowning in economic forecasts, technical analyses, and frequent trades. Instead, pick solid investments and hold on to them. The simpler your approach, the easier it will be to stay the course.</p><h3>5. Quit Obsessing Over Short-Term Results</h3><p>Checking your portfolio daily can lead to emotional highs and lows, tempting you to trade based on short-term results rather than long-term goals. Instead, limit your portfolio checks to avoid unnecessary stress and stay focused on your broader financial objectives.</p><h3>6. Quit Worrying—Trust and Invest with Peace</h3><p>Instead of letting fear drive your investment decisions, remember 2 Timothy 1:7: <i>“God has not given us a spirit of fear, but of power and of love and of a sound mind.”</i> Trust in God’s provision, follow His principles, and invest from a place of peace rather than anxiety.</p><p>For more on these principles, check out his full article, <a href="https://soundmindinvesting.com/articles/go-ahead-be-a-quitter">“Go Ahead, Be a Quitter,”</a> at <a href="http://soundmindinvesting.org">SoundMindInvesting.org</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm considering withdrawing $20,000 to $30,000 from our $148,896 IRA to help purchase a new one-floor home for my husband. What are your thoughts on this, and what would the tax implications be?</li><li>I need some money to keep safe and liquid, as the high-yield interest rates I've been getting are about to go down. I may need to use this money to buy my mom's house for my sister in the future. What would you recommend as a safe investment option that can still provide a decent yield while keeping the money accessible?</li><li>My wife and I are looking to invest in a faith-based way, focusing on index funds and ETFs. Do you have any specific low-cost, faith-aligned recommendations we could consider for our investment portfolio?</li><li>I want to share how reading the <a href="https://www.amazon.com/True-Riches-Jesus-Really-About/dp/140020853X"><i>True Riches</i></a> book has changed my husband's and my approach to finances as a church. We've canceled our Amazon Prime membership to reduce materialism, and we're learning to be more intentional with our spending and generous beyond tithing. The book has really shifted our mindset to a kingdom-focused perspective on managing our resources.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://www.amazon.com/True-Riches-Jesus-Really-About/dp/140020853X">True Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory Baumer</a></li><li><a href="https://soundmindinvesting.com/articles/go-ahead-be-a-quitter">Go Ahead, Be a Quitter (Article by Sound Mind Investing)</a></li><li><a href="https://www.eventideinvestments.com/?%24web_only=true&amp;_branch_match_id=1354437665083707365&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9VPLUvNK8lMSbWvK0pNSy0qysxLj08qyi8vTi2ydc4oys9NBQCUfLRbOwAAAA%3D%3D">Eventide Asset Management</a></li><li><a href="https://www.faithandinvesting.com/faithfi/">List of Faith-Based Investment Funds</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>

They say that winners never quit and quitters never win, but that’s not really true, is it? What if you’re trying to quit a bad habit?

It’s not only okay to quit a bad habit; it’s something we should always strive to do—especially with investing. Mark Biller joins us today with a list of bad habits you should quit if you find yourself doing them.

Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance.

6 Bad Investing Habits to Quit with Mark Biller

<p>You’ve heard of the Great Wealth Transfer taking place as Baby Boomers pass away, but did you know that women will inherit the majority of those assets?</p><p>It’s true. The Great Wealth Transfer is really horizontal, with widows inheriting most private wealth before it’s passed on to the next generation. Sharon Epps joins us today to talk about how women should prepare.</p><p>Sharon Epps is the president of <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.</p><h3>Women as the Primary Inheritors</h3><p>One surprising fact is that women will inherit the majority of this wealth. Since women typically outlive men by about six to seven years, <a href="https://www.mckinsey.com/industries/financial-services/our-insights/women-as-the-next-wave-of-growth-in-us-wealth-management">nearly 70%</a> will experience widowhood and manage their spouse’s share of assets. </p><p>In addition to inheriting from their husbands, many women will also receive an inheritance from their parents, and, increasingly, they are generating their own income through employment. This convergence of income streams will place an estimated two-thirds of U.S. assets—around $30 trillion—under women’s control by 2030, according to <a href="https://www.mckinsey.com/industries/financial-services/our-insights/women-as-the-next-wave-of-growth-in-us-wealth-management">McKinsey & Company</a>.</p><h3>The Heart of Generosity: Purpose, Passion, and Plan</h3><p>The wealth transfer isn’t just about financial assets; it’s a significant opportunity for generosity. Three key factors inspire generosity: purpose, passion, and planning.</p><ol><li><strong>Purpose:</strong> A strong sense of purpose can motivate people to give more. Research from <a href="https://womendoingwell.org/our-story-our-research/">Women Doing Well</a> revealed that women who score high on purpose tend to donate around 14% of their income, compared to 9% for those with lower purpose scores.</li><li><strong>Passion:</strong> Passion for a cause often stems from personal experiences of pain or suffering. This deeply held belief leads people to make sacrificial giving decisions. When people align their hearts with God’s, they are inspired to give courageously and with conviction, connecting their generosity to meaningful experiences.</li><li><strong>Planning:</strong> Effective financial planning is essential for generosity, especially for women who aspire to give more but may lack the structure to manage their finances for greater impact. Financial planning and passion must work hand-in-hand to create a lasting legacy of giving.</li></ol><h3>Building a Generous Legacy: Preparing for Wealth Responsibility</h3><p>With the responsibility of managing inherited wealth, women must be equipped with spiritual foundations and financial wisdom. Three main influences support women’s generosity:</p><ol><li>Understanding that God owns it all.</li><li>Personal spiritual disciplines like Bible study and prayer.</li><li>Receiving teaching on stewardship.</li></ol><p>When women embrace these principles, they can approach wealth with a mindset of stewardship rather than ownership, seeing it as a resource to bless others.</p><h3>Women and Collaborative Giving</h3><p>Women often approach giving differently than men, preferring collaboration and community. Studies from the <a href="https://www.ncfgiving.com/stories/the-role-of-women-in-the-greatest-stewardship-opportunity-in-history/#:~:text=Women%20are%20twice%20as%20likely,versus%208%20percent%20of%20men).">National Christian Foundation</a> show that women are twice as likely to participate in collaborative giving, pooling resources with others to maximize their impact. Women seek transformational experiences rather than merely transactional ones, often using giving as a means to disciple their families and build stronger connections within their communities.</p><p>For women looking to embrace generosity and connect with like-minded individuals, we recommend organizations such as <a href="https://womendoingwell.org/">Women Doing Well</a>, <a href="https://generousgiving.org/">Generous Giving</a>, and the <a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</a>. These groups offer opportunities for women to strategize, collaborate, and grow in their giving journey.</p><h3>Embracing Generosity as a Lasting Legacy</h3><p>As the wealth transfer unfolds, the unique generosity of women presents an unparalleled chance to impact future generations. For those who steward this opportunity with purpose, passion, and a solid plan, the legacy of giving can become not only a financial blessing but a tool for discipleship and transformation.</p><p>Connecting with organizations and communities that support women’s giving can help women maximize this historic moment and courageously and convictionally live out the principles of generosity.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 75, and my husband is 78. If he passes away, I'll lose about $4,000 per month in income. I have $2,800 from teacher retirement, $662 in social security, and $2,000 from a 403(b). I've saved $80,000 and can save an extra $4,000 monthly. I'm concerned about managing the $4,000 income drop and what to do with the $80,000 I've saved.</li><li>My wife and I own two homes—one is a rental property I moved out of in 2022. We're trying to determine the best time to sell both properties and how to maximize the capital gains exclusion, especially since we both had primary residences prior to getting married in 2022.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://generousgiving.org/">Generous Giving</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</a></li><li><a href="https://womendoingwell.org/">Women Doing Well</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>

You’ve heard of the Great Wealth Transfer taking place as Baby Boomers pass away, but did you know that women will inherit the majority of those assets?

It’s true. The Great Wealth Transfer is really horizontal, with widows inheriting most private wealth before it’s passed on to the next generation. Sharon Epps joins us today to talk about how women should prepare.

Sharon Epps is the president of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.

Women and the Great Wealth Transfer with Sharon Epps

<p><i>“A soft answer turns away wrath, but a harsh word stirs up anger.” - Proverbs 15:1</i></p><p>That verse reminds us to keep a cool head when we experience conflict or crisis in a relationship—and maybe even more…when that crisis involves the marriage relationship. Howard Dayton joins us today to talk about surviving a marriage crisis.</p><p>Howard Dayton is the founder of <a href="https://compassfinancialministry.org/">Compass Financial Ministry</a> and the former host of this program. He is also the author of several books on Christian Finance and Stewardship, including <a href="https://www.amazon.com/Money-Marriage-Gods-Howard-Dayton/dp/0802422586"><i>Money and Marriage God's Way</i></a>.</p><h3>Recognizing the Warning Signs of a Marital Crisis</h3><p>Marriage challenges can emerge when stress or unresolved conflicts grow too intense for a couple to manage. Financial struggles, in particular, often go beyond “dollars and cents” and can breed emotions like anger, resentment, and frustration. This strain can lead to poor communication or even emotional withdrawal. A financial crisis in marriage becomes incredibly complex when both partners contribute to it, eroding trust in the relationship.</p><p>People handle crises differently; some respond with intense emotions, while others may withdraw and become more introspective. Howard emphasizes the importance of allowing each spouse to process the situation in their own way while offering mutual support. In times of difficulty, a marriage can either strengthen or weaken. Interestingly, the pain of a crisis can also spark positive change, prompting impulsive spenders to become more mindful or encouraging couples to deepen their relationship with Christ.</p><h3>Practical Steps to Work Through Marital Conflict</h3><p>To support couples facing a financial crisis, here are a few practical steps to guide healing:</p><ol><li><strong>Pray Together for Wisdom</strong>—Begin by asking for God’s guidance and wisdom.</li><li><strong>Set Ground Rules for Communication</strong>—Agree on respectful ways to handle conflicts, including the option for a “time-out” to cool down and pray together if emotions escalate.</li><li><strong>Use Kind Words</strong>—Avoid hurtful language, as it can cause lasting damage.</li><li><strong>Write Letters to Each Other</strong>—Sometimes, writing down feelings can help clarify issues. Afterward, meet to discuss these letters, pray, and address the issues raised.</li><li><strong>Identify and Repent of Any Sins</strong>—Acknowledge any harmful behaviors, such as addiction, and take steps toward repentance and recovery.</li><li><strong>Seek the Source of the Hurt</strong>—Ask God to reveal the underlying sources of pain and disconnect.</li><li><strong>Work to Rebuild the Marriage</strong>—Each spouse should find someone to hold them accountable as they make better choices.</li></ol><h3>Seeking Outside Help When Needed</h3><p>If these steps don’t resolve the crisis, it may be time to seek outside help. A qualified, mature Christian counselor can offer valuable guidance when a couple is unable to work through challenges on their own. Of course, there are situations where divorce may occur due to abuse, adultery, or addiction; however, many marital issues can be overcome with commitment from both partners.</p><p>The goal of financial unity in marriage is to make decisions together, listen to each other, and view finances as a shared resource. This oneness fosters trust, transparency, and partnership in every area of life.</p><p>For more on this topic, check out Howard Dayton’s book, <a href="https://www.amazon.com/Money-Marriage-Gods-Howard-Dayton/dp/0802422586"><i>Money and Marriage God’s Way</i></a>, which delves deeper into building a unified financial and marital life.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have cancer and will likely pass away soon. My husband and I have separate finances due to a prenup. I have about $700,000 saved, and I want to know how much I should leave to my husband versus leaving it to the Lord's work, as my husband would likely want me to leave it all to him.</li><li>I'm retired and have substantial savings that I transferred to an IRA. I've learned about the 'spend-down' when looking to enter a care facility as you age. Is it too soon for me to start spending down this IRA money, and how should I go about doing that?</li><li>I have some kids who haven't been very responsible with their finances. One is about 44, and the other is 32. I've been considering getting a term life insurance policy on them so that if something happens to them because of their lifestyle choices, I would have something I could give to their children. Is this a good idea, and how much coverage should I get?</li><li>I know you've said that identity theft insurance is unnecessary, but what about the $2 million coverage for stolen funds and expenses that some policies provide? Is that something I should consider getting, even if it's an expense?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://compassfinancialministry.org/">Compass Financial Ministry</a></li><li><a href="https://www.amazon.com/Money-Marriage-Gods-Howard-Dayton/dp/0802422586">Money and Marriage God’s Way by Howard Dayton</a></li><li><a href="https://www.familylife.com/familylifeblended/blended-families/">FamilyLife Blended</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>

“A soft answer turns away wrath, but a harsh word stirs up anger.” - Proverbs 15:1

That verse reminds us to keep a cool head when we experience conflict or crisis in a relationship—and maybe even more…when that crisis involves the marriage relationship. Howard Dayton joins us today to talk about surviving a marriage crisis.

Howard Dayton is the founder of Compass Financial Ministry and the former host of this program. He is also the author of several books on Christian Finance and Stewardship, including Money and Marriage God's Way.

What if We Live Like
God Owns It All?

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

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November 20th, 2024

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What if We Live LikeGod Owns It All?

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

Grow

Apply

Connect

LATEST PODCASTS

Faith & Finance

November 20th, 2024

November 19th, 2024

November 18th, 2024

November 15th, 2024

VIEW ALL EPISODES

Learn

Manage

Connect

What if We Live Like
God Owns It All?