__More than 20 years ago, an idea known as “the latte factor” made its way through personal finance circles. In essence, this idea suggested that *small* daily spending decisions—buying expensive coffee shop coffee instead of making coffee at home, or buying lunch at a restaurant instead of bringing your lunch to work—cost people big-time.__

Proponents would run the numbers. “Just think, if you stopped spending $5 a day on fancy coffee during the week and invested that money instead, by the time you’re 70, you could be a zillionaire!”

Although the idea certainly has merit, getting *big* financial decisions right—how much you spend on a house or car, for example—will be far more impactful. The same can be said with investing. Getting the big things right is crucial.

__The big things__

Successful investing has much more to do with behavioral factors than financial factors. In other words, it has more to do with how *you* behave than how the *market* behaves. That should come as good news because, while you have no control over what the market does, you have a lot of control over what you do.

Here are seven big factors that will have a significant impact on your success as an investor, all of which are within your control.

- __Whether you have an investment plan.__
At one point in “Alice in Wonderland,” Alice asks the Cheshire Cat for directions. When the cat says, “That depends a good deal on where you want to get to,” Alice says, “I don’t much care where.” To which the cat replies, “Then it doesn’t matter which way you go.”You probably aren’t so nonchalant about where *you’re* going. To get to your destination, it’ll help to have a plan. A retirement plan starts with your target retirement date and how much you’re hoping to have in your retirement portfolio by then. Next, you’ll be able to figure out the best steps for getting there.
- __How much you invest each month.__
Generally speaking, for those in the accumulation phase, investing 10 to 15 percent of your monthly gross income should be enough to build a sufficient retirement nest egg. But it depends on how old you are, when you plan to retire, and how much you’re aiming to save. You can get more specific by using [MoneyGuide](https://soundmindinvesting.com/articles/planning-is-always-a-work-in-progress-moneyguide-can-help), a powerful retirement planning tool available to SMI premium members for a small one-time fee, or another retirement planning calculator.
- __Your asset allocation.__
There’s no such thing as the perfect portfolio that will put you on the right side of every market move. The “right” mix of investments is the one that generally matches your time frame and risk tolerance.If you’re using SMI’s Fund Upgrading or Just-the-Basics strategies, take SMI’s [risk tolerance quiz](https://soundmindinvesting.com/start-here/risk-tolerance-quiz). That will help you determine an appropriate level of risk in your portfolio. And *that *will help your portfolio generate the level of gains you need from a growing market as well as an acceptable level of losses in a downturn.
- __How you choose investments.__
One of the most common mistakes in investing is deciding too quickly what to invest in. The financial press fosters this, constantly touting this investment or that, as if any particular investment is right for everyone. It’s all very ad-hoc, reactionary, and stressful.It’s far more effective to choose an objective, process-driven investment strategy that tells you how to build a diversified portfolio, when to sell a particular holding, and what to buy next.
- __Your point of comparison.__
To report on the stock market’s performance, the financial press uses an index like the S&P 500. It’s tempting to use it as the benchmark for your** portfolio.However, unless you are solely invested in an S&P 500 index fund, that’s the wrong point of comparison. The right one is the average annual return your portfolio requires to accomplish your goals.
- __How often you look.__
If you pay close attention to the stock market, it can drive you crazy. It goes up, it goes down—seemingly without rhyme or reason. SMI’s primary strategies are updated once a month. That’s often enough to check on the market.
- __Your level of commitment.__
With investing, as with life, it’s easy to think “the grass is always greener on the other side.” To play the comparison game. To head in one direction, only to read a headline or see a promotion that makes you wonder if you’re moving in the right direction.Choose your strategy with care, commit to it, and stay with it.
### 
__The little things__

If you’ve gotten those *big* things right, you’ve taken some of the most important steps toward investing success. However, it will help a lot if you also let go of the following.

- __Daily market “news.”__
At the end of every trading day, investment reporters are tasked with the unenviable job of explaining why the market did what it did, so they list a reason or two. But what moves the market is usually far too complex to boil it down to a simple explanation. And more importantly, most days’ market news doesn’t even matter. Remember, you’re not in it for every market wiggle. You’re in it for the long haul.
- __The “what-if” game.__
On slow news days, investment reporters often resort to this click-bait script: “If you had invested $1,000 in XYZ company 30 years ago, it would be worth $100,000 today.” Or maybe you were seriously considering a certain investment some time ago but took a pass. You check up on it every now and then and, of course, it went to the moon. Now you torture yourself with an occasional round of “what if?”A related expression of this is questioning one particular investment in your portfolio. Diversification, which reduces risk, recognizes that it’s impossible to know which individual portfolio holding will outperform. Holding numerous investments that were chosen through an objective, rules-based process, puts the odds of success in your favor.The sooner you quit the what-if game, the better.

On this side of heaven, life will never be perfect. That isn’t bad news, it’s helpful news. With investing, it reminds us to focus on getting the big things as right as we can while letting go of the little things.

__[Image](https://soundmindinvesting.com/articles/getting-the-big-moves-right)__ used  with permission

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Investing

With investing, let's focus on getting the big things as right as we can while letting go of the little things.

Getting the Big Moves Right

__God is not silent on the topic of money, both spiritually and practically. Proverbs is filled with practical principles that can shape our approach to managing the money that God has entrusted to us. Whether you are striving to save for the future, create a zero-based budget, or make wise investments, the wisdom found in Proverbs provides timeless guidance that can inform your financial planning.__

Let’s explore how the Book of Proverbs can guide us in saving, budgeting, and investing.

__1. The value of diligence and hard work in saving (Proverbs 10:4; Proverbs 12:24).__

In a world consumed with immediate gratification, the idea of diligence and hard work can almost seem countercultural. Proverbs speaks frequently about the value of hard work and how it leads to prosperity. Proverbs 10:4 says, “Lazy hands make for poverty, but diligent hands bring wealth.” Proverbs 12:24 adds, “Diligent hands will rule, but laziness ends in forced labor.”

This principle teaches that consistent effort in both work and financial discipline can lead to long-term stability. Modern-day saving isn’t just about setting money aside occasionally—it’s about establishing a diligent, consistent approach.

__How can you live this out in your finances?__

First, set financial goals.  Establish clear, achievable saving goals and remain disciplined in regularly contributing to savings or investment accounts. Second, create a monthly saving routine. Just as one sets aside time for work, setting aside time for saving is essential. Consistency in saving—even small amounts—can accumulate over time. Remember this formula:

*A little bit of money + A lot of time = A lot of money*

__2. Avoiding debt and living within your means (Proverbs 22:7; Proverbs 21:20).__

The Bible repeatedly warns against the dangers of debt and emphasizes the importance of living within one's means. Proverbs 22:7 says, “The rich rule over the poor, and the borrower is slave to the lender.” And Proverbs 21:20 reminds us, “The wise store up choice food and olive oil, but fools gulp theirs down.”

Living on borrowed money leads to financial slavery. Proverbs encourages us to live wisely, avoid unnecessary debt and be thoughtful in our financial choices.

__How can you live this out in your finances?__

First, establish a budget (Blueprint for Mission). Create a budget that limits debt accumulation and ensures your spending does not exceed your income. Second, pay off your existing debt. Use the debt snowball method to eliminate your debt, targeting the lowest balance debt first. This excludes your mortgage.

__3. The importance of planning and strategic investing (Proverbs 21:5; Proverbs 24:27).__

Proverbs stresses the importance of careful planning and diligence, both of which are essential to sound financial management and long-term financial health. Proverbs 21:5 says, “The plans of the diligent lead to profit as surely as haste leads to poverty.” Proverbs 24:27 tells us, “Put your outdoor work in order and get your fields ready; after that, build your house.

This teaches us that financial success requires forethought and the wise allocation of resources. Similarly, when it comes to investing, we are advised to plan ahead and not act impulsively.

__How can you live this out in your finances?__

First, create a financial plan. Pray and consider where you want to be financially in the next 5, 10, or 20 years. Plan how much you need to save or invest to reach your goals. Second, diversify your investments. Diversification of investments can reduce risk and increase the possibility of long-term growth.

__4. Saving for future needs (Proverbs 6:6-8; Proverbs 30:24-25).__

The idea of setting aside resources for future needs is woven throughout Proverbs. Proverbs encourages us to prepare ahead, even in times of plenty, so that we are not caught unprepared when challenges arise. Proverbs 6:6-8 talks about the wisdom of the ant, which “stores its provisions in summer and gathers its food at harvest.” This speaks to the importance of saving and preparing during times of abundance to cover periods of scarcity. Proverbs 30:24-25 says, “Four things on earth are small, yet they are extremely wise: Ants are creatures of little strength, yet they store up their food in the summer.” The ants don’t wait for a crisis to begin preparing. They are proactive, saving in the good times so that they are provided for in the lean times.

__How can you live this out in your finances?__

First, make sure you have an emergency fund (Money Milestone 5). Just as the ant prepares for the winter, we should save for unexpected expenses or periods of unemployment. Second, save for retirement (Money Milestones 3 and 6). Start early. Like the ant, the earlier you start saving for retirement, the better prepared you'll be when it's time to retire.

__5. Contentment and the right attitude toward wealth (Proverbs 30:8-9).__

Proverbs teaches the value of contentment and warns against greed. Wealth is not an end in itself but a means to honor God, serve others, and advance His Kingdom.

Proverbs 30:8-9 says, “Give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have too much and disown you and say, ‘Who is the Lord?’ Or I may become poor and steal, and so dishonor the name of my God.” This verse highlights that wealth should never be pursued at the cost of godliness. It suggests that financial security comes from a balance of contentment and proper stewardship.

__How can you live this out in your finances?__

First, guard against greed. Avoid the temptation to accumulate wealth for selfish reasons. Focus instead on how your financial success can serve God and others. Second, pursue financial contentment. Strive for contentment in your current financial situation, even while setting financial goals. A discontent heart often leads to hasty or unwise financial decisions.

__6. The blessing of generosity and giving (Proverbs 11:24-25).__

Generosity is a central theme in Proverbs, and it underscores the blessing that comes from giving to others. Proverbs 11:24-25 says, “One person gives freely, yet gains even more; another withholds unduly, but comes to poverty. A generous person will prosper; whoever refreshes others will be refreshed.” This principle applies to all areas of life, including finances. Saving isn’t just for personal gain, but to enable you to bless others when opportunities arise.

__How can you live this out in your finances?__

Practice generosity. When you get paid, give a portion to God. You can do this by giving to your local church. After you have given to your church, consider being generous to other Kingdom-advancing non-profits.

The wisdom of Proverbs offers an approach to financial management that includes hard work, strategic saving, wise investing, and generous living. By following these biblical principles, Christians can create a financial foundation that honors God and provides for their families and communities.

__[Image](https://www.christianmoneysolutions.com/blog/6-ways-the-proverbs-can-guide-your-financial-management)__ used with permission

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

The More Than Money Podcast helps listeners get financially healthy for the sake of giving and living generously. In each episode, Art Rainer provides fun, practical, biblically-based financial advice through interviews and listener questions. Our goal with this podcast is for you to understand God's design for you and your money as you learn to give generously, save wisely, and live appropriately.

More than Money

God is not silent on the topic of money, both spiritually and practically. Proverbs is filled with practical principles.

6 Ways the Proverbs Can Guide Your Financial Management

__Why don’t credit cards ever drown? Because they always have a float to fall back on!__

A little humor aside, credit card float is no joke. Many people use credit cards without fully understanding how the __"float"__ works—and how it can create hidden financial risks. On the surface, credit card float seems like a great perk, allowing you to delay paying for purchases without immediate consequences. But if you're not careful, it can lead to a cycle where you're always one step behind financially.

Let’s break down what credit card float is, how it works, and, most importantly, how to avoid the potential pitfalls that come with it.

__What Is Credit Card Float?__

Credit card float is the time between when you charge a purchase on your credit card and when you actually have to pay for it. Essentially, when you use a credit card, you're borrowing money to make a purchase, but the payment isn't due right away.

For example, let’s say you buy a pair of shoes on January 1st. Your statement closes on January 31st, and your payment isn't due until February 25th. That gives you __up to 55 days__ to pay for the purchase without spending your own cash immediately. This delay in payment is known as the "float."

Now, most of us are aware that if you pay your statement in full by the due date, you won’t incur interest charges. This makes credit card float seem like a good deal—allowing you to borrow money for weeks at no cost.

However, there’s a catch. Even if you consistently pay off your credit card bill each month, you may unknowingly be __“riding the float,”__—meaning you’re using this month’s income to pay for last month’s expenses. Over time, this can leave you one payment behind without realizing it.

A simple way to determine if you're financially stable or "riding the float" is by checking if you are fully funded__.__ Here’s how:

1. Add up all your current credit card balances.
2. Subtract that total from your checking account balance.
3. If you don’t have enough money to pay off your credit card balances right now fully, you're riding the float.

This means you’re relying on your next paycheck to cover what you already spent—leaving little room for unexpected expenses or financial flexibility.

__How to Avoid Credit Card Float__

To prevent falling into the float trap, you need to make sure you have enough money before making a credit card purchase__.__ That way, when your bill arrives, you can pay it from your checking account without dipping into savings.

A few strategies to ensure financial stability include:

- __Using the Envelope System:__ If you budget using [FaithFi’s Envelope System](https://www.faithfi.com/manage), you can reconcile your credit card envelopes to ensure you’re not overspending.
- __Maintaining a Checking Account Cushion:__ Always keep enough in your checking account to cover both your credit card balance and upcoming expenses before your next paycheck.
- __Tracking Spending in Real-Time:__ Keep an eye on your available funds, not just your credit card statement balance, to ensure you’re not overextending yourself.

For example, if your total credit card balance is $2,000 and you have $1,500 in upcoming expenses, you should have at least $3,500 in your checking account to avoid financial strain.

__What If You’re Already in the Float?__

If you discover that you’ve been riding the float, don’t panic. Here are some steps to help you get out:

4. __Transfer Money:__ Move funds from savings to cover your full credit card balance plus upcoming expenses.
5. __Adjust Envelope Funding:__ If you use the FaithFi Envelope System, reallocate funds from other categories to bring your credit card envelope balance in line.
6. __Fund the Credit Card Envelope Over Time:__ If you’ve been paying off your card monthly but realize you’ve been riding the float, start funding your credit card envelope a little more each month until it matches your full balance.

__Keep Your Finances Afloat__

Many people unknowingly ride the float, believing they’re managing their credit cards well. However, there’s a difference between paying the statement balance and paying the full balance owed__.__

To stay financially secure, follow this simple rule: __Always have enough in checking to cover your full credit card balance plus upcoming expenses.__ That way, you’re never relying on next month’s income to cover last month’s spending.

If you’re looking for an easier way to manage your budget and ensure you’re staying financially stable, check out the [FaithFi app](https://www.faithfi.com/manage) at[ FaithFi.com](https://www.faithfi.com/manage). It’s a powerful tool to help you track your spending, budget wisely, and keep your finances in check.

You can also __[listen](https://www.faithfi.com/search?q=Avoiding%20Credit%20Card%20Float%20With%20Chad%20Clark&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to a related podcast on this topic.

FaithFi

Articles

What is it, how does it work, and how do you avoid the potential pitfalls that come with it?

Understanding Credit Card Float—And How to Avoid It

__My book *The Law of Rewards* was first published in 2003, but in 2023, I had the opportunity to update it and also add some new material, especially as it relates to Nanci’s life, death, and relocation to Heaven. I continue to be excited about this small book and its potential for big impact in the lives as believers as they get excited about investing in eternity. (The updated book is available from EPM both in [softcover](https://store.epm.org/the-law-of-rewards-softcover/) and as a [special edition](https://store.epm.org/the-law-of-rewards-special-edition/) with a leatherlike cover.)__

My long-time friend Mart Green, of the Green family that owns Hobby Lobby, is the founder of Mardel Christian Stores. He kindly wrote, “Reading *The Law of Rewards* impacted me greatly. I have read many books on generosity, but this one fleshed out biblical concepts I had never heard before. I am a book guy, but I have handed out more copies of this book than any other—by far!”

So to answer the question in the title of this blog: how does giving bring greater blessing than receiving? By not giving, we don’t just rob God or rob others of blessing. We rob ourselves of the rewards God wants to give us. How many blessings have we kept from ourselves in the last year by failing to give as we could have? How much spiritual growth and joy have we missed out on by not living by God’s law of rewards?

For Nanci and me, the process of discovering God’s will about money and possessions was exciting and liberating. Our growth in financial stewardship closely paralleled our overall spiritual growth. In fact, it propelled it. We learned more about faith, trust, grace, commitment, and God’s provision in this area than any other. These choices required us to have some challenging giving discussions which ultimately strengthened our marriage, and bonded us around common goals of investing in eternity.

That unforgettable Monday morning in 2022, when I held Nanci’s hand as she exited her body and entered the presence of Jesus, I could picture Christ’s outstretched arms and hear his loving words, “Well done.” I could imagine her broad smile as he hugged her. Home at last! And I thought of all the people from all over the world she would then meet and get to know and love—those we had the privilege of helping through our giving, and who thereby received the gospel, food, clothes, clean water, medicines, Bibles, and good books. Sometimes I feel like part of me went to Heaven with Nanci. That’s not only because of our deep love for each other, but because she and I partnered together to invest in people for eternity. I so look forward not only to seeing old friends but to having Nanci introduce me to these new friends we invested in before we ever met them!

Paul said, “God loves a cheerful giver” ([2 Corinthians 9:7](https://ref.ly/2%20Cor%209.7;esv?t=biblia)). I have found that cheerful givers love God, and that love grows deeper each time they give. To me, one of the few experiences comparable to the joy of leading someone to Christ is the joy of making wise and generous eternity-impacting choices with the money and possessions God has entrusted to me. Both are supreme acts of worship. Both are exhilarating. Both are what we were made for.

I believe that the knowledge of what eternity holds for us, and how that relates to our money, is the primary missing ingredient in most Christian books on finances. When we see money only as money, and not in light of its potential impact on eternity for others and for us, we walk away with a shortsighted vision that results in shortsighted financial decisions and lifestyles.

By looking at Jesus’ teachings about finances, I hope you’ll gain a clearer vision of the importance of living for eternity, of the types and extent of eternal rewards, and of the way God created us to be motivated by rewards. When you grasp the concept of delayed gratification in light of eternal rewards, your attitude toward giving will never be the same.

Let’s determine not to be rich fools disguised as disciples. Instead, let’s develop the heart of the poor widow, learning boldly to put all our resources at God’s disposal, as He has put all his resources at ours. I pray you will join a multitude of God’s people, past and present, in not just talking about God’s grace but also experiencing it at your heart’s deepest level.

On the wall of President Lyndon Johnson’s White House office hung a framed letter written by General Sam Houston to Johnson’s great-grandfather George Washington Baines, Sr. more than a hundred years earlier. Baines had led Sam Houston to Christ. Houston was a changed man, no longer coarse and belligerent but peaceful and content.

The day came for Houston to be baptized—an incredible event for those who knew him. After his baptism Houston offered to pay half the local minister’s salary. When someone asked him why, he said, “My pocketbook was baptized too.”

Sam Houston demonstrated the reality of God’s grace to him by reciprocating that grace through giving.

__As Sam Houston did, may we learn together the truth that Martin Luther recognized when he said that for each of us there must be not only the conversion of the heart and mind but also the conversion of the purse.__

__[Image](https://www.epm.org/resources/2025/Jan/10/giving-brings-blessing/)__ used with permission

Eternal Perspective Ministries, founded and directed by author Randy Alcorn, is focused on investing in what lasts for eternity, and helping others to do the same.

Eternal Perspective Ministries

For each one of us, There must be not only the conversion of the heart and mind but also the conversion of the purse.

Giving Brings Greater Blessing Than Receiving

__Perhaps you’ve heard the tale of the three bricklayers working on a project. When asked what they were making, the first said, “$28 an hour.” The next replied, “We’re making a wall to help support the roof.” But the third said, “We’re building a cathedral for worshipping God!”__

All were engaged in the same task. Only one caught the bigger vision.

I imagine a new version of the story featuring three investors making trades as they implement SMI’s fund recommendations. Someone asks what they’re doing. One investor says, “Oh, just placing some fund orders.” Another replies, “I’m investing for the future.” But the third responds, “I’m managing God’s money for His glory.”

When it comes to handling money, do you have a big vision? Or do you think of paying bills, investing, and giving to your church as simply part of a humdrum routine?

If you’re thinking falls along “humdrum” lines, then you’ve lost sight of the big — and exciting — picture. Your financial decisions have the potential for life-changing blessings and eternal impact — for you, your loved ones, and those you minister to through your giving! By perceiving the big picture and making wise decisions, your efforts will bring a smile to the Master, just as the actions of the faithful stewards did in the parable of the talents.

In contrast, indifference and lack of discipline lead to stewardship failures that waste a lifetime of opportunities. Consider these common failings:

- Failing to develop a spending plan that would help generate a monthly surplus;
- Failing to build a contingency fund;
- Failing to prioritize giving generously to the Lord and His kingdom work;
- Failing to be responsible in the use of credit;
- Failing to live in a home or drive a car that’s within one’s financial means;
- Failing to contribute strategically to an IRA or 401(k);
- Failing to learn the basics about investing wisely.

Taken individually, most of the stewardship tasks mentioned above aren’t particularly difficult. However, all require self-discipline. They take effort and a degree of sacrifice. But the end result is worth it. Not only because good stewards enjoy greater success in money matters but, *more importantly*, living up to one’s stewardship potential brings glory to our gracious God.

__Pastor and author John Piper put it this way in his book *[Pierced by the Word](https://www.desiringgod.org/books/pierced-by-the-word)*:__

God made us with the highest creaturely purpose in mind — to enjoy and display the Creator’s glory. This is why we were made (“All things were created through Him and *for Him*”– [Colossians 1:16 ESV](https://ref.ly/Col%201.16;esv?t=biblia)). This is why we eat and drink (“So, whether you eat or drink, or whatever you do, *do all to the glory of God*”– [1 Corinthians 10:31 ESV](https://ref.ly/1%20Cor%2010.31;esv?t=biblia)).

This is why we pray (“Whatever you ask the Father in my name, this I will do, *that the Father may be glorified in the Son*”– [John 14:13 ESV](https://ref.ly/John%2014.13;esv?t=biblia)). This is why we do all good deeds (“Let your light shine before others, so that they may see your good works and *give glory to your Father* who is in heaven”– [Matthew 5:16 ESV](https://ref.ly/Matt%205.16;esv?t=biblia)).

That is why we exist — to display the glory of God.... When we fulfill this reason for being, we have substance. There is weight and significance in our existence. Knowing, enjoying, and thus displaying the glory of God is a sharing in the glory of God. Not that we become God. But something of His greatness and beauty is on us as we realize this purpose for our being....

Not to fulfill this purpose for human existence is to be a mere *shadow* of the substance we were created to have. Not to display God’s worth by enjoying Him above all things is to be a mere *echo* of the music we were created to make.

This is a great tragedy. Humans are not made to be mere shadows and echoes. We were made to have God-like substance and make God-like music and have God-like impact. That is what it means to be created in the image of God ([Genesis 1:27](https://ref.ly/Gen%201.27;niv?t=biblia)).

Dear reader, be not shadows and echoes.... Set your face like flint to see and know and enjoy and live in the light of the Lord....

Death will but dispatch you to paradise. And what you leave behind will not be a mere shadow or echo, but a tribute on earth, written in heaven, to the triumphant grace of God.

__[Image](https://soundmindinvesting.com/articles/high-stakes)__ used with permission

Faith and Finance

When it comes to handling money, do you have a big vision?

High Stakes

__If you're worried about your financial future, struggling to pay for college, or even feeling the pinch at the grocery store, take heart—there’s still hope for joy and peace.__

Financial challenges can make joy and peace feel out of reach, but as Christians, we are called to face difficulties without anxiety. It’s not always easy, but when you have financial worries—or struggles of any kind—God’s Word offers wisdom and reassurance. Here are three biblical principles to consider:

1. Hardships are opportunities to grow in your faith.
2. Joy and peace are not dependent on your circumstances.
3. Your struggles have a purpose.

__Hardships Are Opportunities to Grow in Your Faith__

The book of James opens with a powerful challenge:

*"Consider it pure joy…whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance."* — James 1:2-3

At first, that might seem like an unusual perspective on financial challenges. James appears to be saying that trials are beneficial, so we should simply be happy about them. On the surface, that may not seem logical. But Scripture reveals that joy in difficult times is possible—not because of our circumstances, but because of who God is and who He is shaping us to become.

James wrote his letter to believers who were far from home, discouraged, and facing persecution. They were dealing with trials far greater than financial hardship, yet he encouraged them, saying:

*"The testing of your faith develops perseverance, and perseverance must finish its work so you may be mature and complete, not lacking anything."* — James 1:3-4

James reminds us that trials are inevitable, but they shouldn't discourage us. Instead, we can view  our struggles as opportunities to grow. Through perseverance and  endurance, we grow in faith, becoming mature, complete, and fully equipped for what God has called us to do.

People who lift weights to stay fit know that  muscles don’t get stronger until they are torn down and built back up. No pain, no gain. In the same way, pushing through hardship strengthens our faith muscles. Painful circumstances become opportunities for our faith to increase as we learn to trust God’s goodness in all things.

__Joy and Peace Are Not Dependent on Your Circumstances__

Financial challenges are part of life, but joy is an attitude that looks beyond the pain and frustration of the moment. Nehemiah 8:10 reminds us:

*“The joy of the Lord is your strength.”*

Like joy, peace is another godly response to trials. True peace comes from knowing that nothing can separate you from the love of God in Christ Jesus (Romans 8:39). Philippians 4:7 calls it:

*“The peace of God, which surpasses all understanding.”*

In Christ, we can have that kind of peace no matter what our financial circumstances are.

People often ask, *“Doesn’t God want me to be happy?”* In other words, if God is loving, shouldn’t He protect me from circumstances that make me unhappy? But this worldview twists the truth about God’s character.God is not a cosmic Santa Claus, handing us whatever we want. He loves us more than that. We see His love in action through Jesus:

*“For God so loved the world, that he gave his only begotten Son, that whoever believes in him shall not perish, but have everlasting life.”* — John 3:16

God created us for a relationship with Him, and true fulfillment is only found when Jesus is our greatest treasure. Romans 8:17 reminds us:

*“Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory.”*

Happiness is fleeting—tied to external circumstances like economic trends, bank balances, and emotions that fluctuate “like shifting shadows” (James 1:17). On the other hand, God remains constant—always good, always loving, always just. Trusting Him brings us the lasting Joy that is part of the Fruit of the Spirit (Galatians 5:22).Because God’s character never changes, we can navigate any financial challenge with a heart anchored in peace and joy.

__Your Struggles Have a Purpose__

The third biblical principle to remember in financial trials is that your struggles have a purpose. In fact, there are three key reasons God may allow us to go through difficult seasons:

4. To strengthen our faith and deepen our dependence on Him.
5. To reveal His love and provision as we trust Him.
6. To redirect us when we’ve drifted off course.

One of the most comforting promises in Scripture is Romans 8:28:

*“And we know that in all things God works for the good of those who love him, who have been called according to his purpose.”*

Understanding this truth can help us navigate financial challenges with lasting joy and peace. Even when the road ahead is uncertain, we can trust that God is working all things for our good—shaping us, strengthening us, and drawing us closer to Him.

__No matter what your financial situation is today, remember this: Hardships refine us, joy is a choice, and God is always at work for our good. Keep your eyes on Him, and you will find the peace that surpasses all understanding.__

You can also __[listen](https://www.faithfi.com/search?q=Finding%20Joy%20and%20Peace%20in%20Financial%20Uncertainty&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcase on this topic.

If you're worried about your financial future or struggling to pay for college, there’s still hope for joy and peace.

Finding Joy and Peace in Financial Uncertainty

__According to the [2024 Christian Financial Health Report](https://www.christianfinancialhealth.com/report), 43% of Christians used a buy now, pay later service during the past twelve months. Pay Later (BNPL) services have become increasingly popular, allowing consumers to purchaseitems immediately and pay for them in installments.__

Companies like Afterpay, Klarna, and Affirm have gained widespread traction, especially among younger shoppers, as an alternative to traditional credit cards. But while BNPL services may seem like a convenient way to spread out payments, using them can lead to significant regret. Here are five reasons why you should think twice before using Buy Now, Pay Later services.

__1. High Interest and hidden fees.__

Yes, these services advertise themselves as having “no fees” or “no interest,” but that is not entirely true. Depending on the service provider, repayment terms that go beyond four months can include a significantly high interest rate. Additionally, the “no fees, no interest” claim usually assumes on-time payments. If a payment is late or missed, fees and interest are often applied. It is important to note that 64% of Christians who used buy now, pay later services missed a debt payment during the last twelve months. This means BNPL users are vulnerable to these rates and fees.

__2. Encourages impulse buying.__

Proverbs 21:20 says, The wise store up choice food and olive oil, but fools gulp theirs down” (NIV). The desire for immediate gratification is often a heart issue that results in financial struggles. Unfortunately, the BNPL industry encourages immediate gratification. Many choose to use buy now, pay later services because they cannot afford to purchase the item in full. Instead of saving for the item or waiting until their finances can support the purchase, BNPL services allow the item to be acquired immediately. Using these services can perpetuate poor financial behaviors.

__3. Debt can spiral out of control quickly.__

Debt tends to be an issue for BNPL users. According to the Christian Financial Report, 82% of BNPL service users also had credit card debt. BNPL payments stack up quickly. Because these services create a façade of affordability, users continue to make purchases and cannot afford the numerous monthly payments.

__4. Lack of transparency.__

As the saying goes, the devil is in the details. While the services may tout “no interest” or “no fees,” the small print often says otherwise. The absence of interest fees applied if you only meet specific conditions. As already mentioned, the service providers may tack on fees and interest if payments are late or missed.

__5. Creates a false sense of financial health.__

Buy now, pay later services may seem like they can help you manage your monthly budget more easily by breaking the purchase into payments. But this is a mental trick to create a false sense of financial health. Breaking down the purchase amount into smaller payments does not mean that the consumer can actually afford the purchase. In fact, the purchase, even when broken down into monthly, can increase financial stress and risk. BNPL services mask the fact that you are living beyond your means.

Buy now, pay later services may seem like a convenient way to spread costs over several months, but the downside to these services is significant. They increase debt, can quickly overwhelm the budget, and result in additional fees and interest costs.

__Before using a BNPL service, take a moment to reflect on your motivations. Why can't you wait until you can afford the purchase? Does the decision align with principles of biblical stewardship? Consider an alternative approach: set aside the amount you would pay each month into a savings account until you’ve saved enough to make the purchase without relying on debt.__

__[Image](https://www.christianmoneysolutions.com/blog/5-reason-why-buy-now-pay-later-stinks)__ used with permission

Debt

According to the 2024 Christian Financial Health Report, 43% of Christians used a buy now, pay later service last year.

5 Reason Why Buy Now, Pay Later Stinks

All couples have disagreements — financial and otherwise. In fact, one of today’s foremost marriage researchers, John Gottman, says a healthy marriage is not one marked by a *lack* of disagreements, but rather *how a couple works through* their disagreements.

In his more than 30 years of studying what makes for a successful, satisfying marriage, Gottman has come up with a number of very practical suggestions for working through conflicts constructively.

__Complaining is okay, criticizing is not__

A complaint focuses on the other person’s behavior; criticism focuses on the person. An example of a complaint is “We seem to be spending a lot on groceries these days.” It becomes criticism when you make it more personal by adding a comment such as, “Why can’t you manage our grocery budget better?”

That comment implies that the issue is with the person doing most of the grocery shopping—that they aren’t trying hard enough or possibly even that they aren’t smart enough to do the grocery shopping in a more cost-effective manner. Keep your comment focused on the issue and skip the insinuation.

__Avoid contempt__

Even worse than criticism, contempt insults or psychologically harms your partner. An example: “Are you even thinking about our budget before you go to the store?” Be especially vigilant about not letting these types of comments creep into your relationship.

A better way to approach this particular conversation might be to say something like this: “I know food inflation is real. Do you think there’s anything we can do about it or should we look for other areas of our budget where we can cut back in order to budget more for groceries?”

__Listen well__

When you’re on the receiving end of a complaint, your instinct may be to respond quickly. In fact, you may be planning your response while your spouse is still speaking. Instead, decide ahead of time that when your spouse raises an issue you’ll pause and listen actively to what they’re saying. Before responding, make sure you understand the issue by asking clarifying questions and mirroring back what you hear.

Here’s a more challenging and potentially even more helpful way to listen. Try to discern whether there’s another issue behind the issue you’re discussing. That’ll probably require some additional questions: “Why is this issue so important to you?” “What are you concerned will happen if we do this or don’t do that?”

Sheila grew up in a household where money was always tight. Even when she graduated from college and landed a well-paying job, her old fears of not having enough followed her. She always bought the least expensive version of whatever she was buying. Early in their marriage, she insisted that Mike do the same.

However, after getting acclimated to using the simple spreadsheet budget system Mike brought into their marriage, Sheila began to see more objectively what they actually could afford. It was more than she had assumed.

Are you having arguments about money because of a false assumption?

__Speak non-defensively__

Defensiveness, which includes avoiding responsibility and offering excuses, only turns up the heat on arguments. When she says, “I think you’re spending too much on golf,” it won’t help to respond with, “I hardly play as it is, and now you want me to play cheaper courses that aren’t as nice?”

Try this instead: “Well, let’s take a look at our budget and see how much I’ve spent this month compared to the golf budget we both agreed on. If I spent too much this month, I’ll make up for it next month by finding some less expensive places to play or playing less often.”

__Stay with it__

Marriage researcher John Gottman says men especially are likely to bail out of an argument. Some will walk out of the room. Others might remain, but check out by responding with silence. Guys: stay focused.

__Marriage math__

Gottman has drawn a couple of simple, helpful conclusions from his years of studying what makes for a healthy marriage. They boil down to the numbers five and two.

The first one is a straightforward formula: “You must have five times as many positive as negative moments together if your marriage is to be stable.” Next, “Most couples I’ve worked with over the years,” Gottman said, “really wanted just two things from their marriage — love and respect.”

Does that last one sound familiar? It comes straight from [Ephesians 5:33](https://ref.ly/Eph%205.33;niv?t=biblia): “However, each one of you also must love his wife as he loves himself, and the wife must respect her husband.”

While men and women both need love and respect, women especially need to feel loved by their husband and men especially need to feel respected by their wife. That could make for a great topic of conversation.

Men, ask your wife, “Financially speaking, what do I do that makes you feel loved?” Women, ask your husband, “Financially speaking, what do I do that makes you feel respected?”

__Answers to those questions could help you manage money in your marriage more effectively and joyfully.__

__[Image](https://soundmindinvesting.com/articles/how-to-fight-fair-about-money)__ used with permission

Personal Finance

Answers to the following questions could help you manage money in your marriage more effectively and joyfully.

How to Fight Fair About Money

__Rembrandt’s *The Parable of the Rich Fool* (1627), also known as *The Money Changer*, draws from Jesus' parable in Luke 12:16-21. In this story, a wealthy man plans to store his surplus in larger barns, believing he can live in comfort for years. But God calls him a "fool" for focusing on earthly riches over spiritual wealth, taking his life that very night.__

Rembrandt’s painting captures the rich man lit by candlelight as he inspects his wealth—coins and ledgers before him. The towering stack of books symbolizes his worldly knowledge and wealth, as books were rare and costly in Rembrandt’s time, representing status and a constant pursuit of knowledge.

Yet, despite his wealth and intellect, the man is spiritually bankrupt. The chaotic stack hints at his misplaced priorities and the futility of trusting in material security.

The dim lighting emphasizes his isolation and hidden anxiety, masked by pride in his possessions. Unaware his time is nearly over, he clings to the false promise of wealth. Through his masterful use of light and shadow,

__Rembrandt communicates the moral of the scene: the fleeting nature of riches and the danger of greed, revealing the vanity of pursuing earthly treasures while neglecting one’s soul.__

```

```

__When you hear the phrase “rich toward God”, what comes to mind? Surely it doesn’t mean making God rich. Is it about us becoming rich so we can give? Or maybe, it’s an invitation to something much bigger.__
In the new *Rich Toward God* study, FaithFi has created a way for you to explore and reflect on a well-known biblical parable about a very rich man with a very big problem.
__Purchase a copy of the *Rich Toward God* study by going to [Faithfi.com/Shop](https://www.faithfi.com/shop).  __

A Visual Warning Against the Vanity of Wealth

Rembrandt's The Parable of the Rich Fool

__What is your favorite coffee drink? Personally, I always feel out of place when I go to Starbucks.__

__As I listen to the customers in front of me placing their complicated orders, I can’t help but think there was a college course—or possibly even a degree—that I somehow missed. When I finally reach the counter and the highly skilled barista asks for my order, I feel almost embarrassed for simply asking for a plain black coffee. But honestly, that’s all I want. Just… a coffee.__

In personal finance, there is a concept called the “latte effect”. The main idea is that repetitive, small purchases add up over time and can cause havoc on your budget even though you don’t feel like you spend that much money. This “latte effect” is real, even if you aren’t a coffee drinker. As we start the new year, it’s a great time to not only reflect on the good and bad of your budget last year but also consider what steps you might want to take in 2025 to improve.

Consider these 6 tips for sticking to your budget in 2025.

__Tip #1: Create your budget.__

Maybe it goes without saying, but if you want to stick to your budget in 2025, you first need to create your budget. And before diving into a budgeting app, I always recommend using a paper and pen, or a simple spreadsheet to lay out your monthly budget. By creating your budget in this way, you can tailor it to exactly your needs and not get confused with the app’s ready-made templates.

__Tip #2: Keep it simple.__

Budgets can be a net negative if it is too granular or complicated. The key to managing a budget well is keeping it simple. For example, consider combining several weekly expense categories, such as groceries, dining, and other household expenses, into one budget category. This will significantly reduce the complexity of your budget, and allow you the freedom to adjust to the needs of the week without the need to make changes to the budget every week or month.

__Tip #3: Use multiple checking accounts.__

You might think that you’re only allowed to have one checking account, but in reality, you can own multiple checking accounts. For example, if you have a high-yield savings account, consider setting up a separate checking account specifically for budgeting purposes. Simply identify the budget categories you want to focus on and transfer money into that special checking account for that purpose. As you spend from this account, you can monitor your balance in real time using your banking app, eliminating the need to categorize your transactions to determine the remaining budget.

__Tip #4: Find a budgeting system you actually enjoy.__

There are several budgeting apps available and many of them have the same basic features-connected accounts, customized categories and groupings, and reports. What differentiates them is their user interface and their budgeting approach. Take some time to find an app that is not only intuitive for you but is also enjoyable to use. Budgeting apps typically offer a free trial or freemium version to give the system a test drive. Use the tool both on the web browser and your mobile devices. If you are frustrated or confused about the app’s setup, try a different app and see if you get a better result.

__Tip #5: Review your budget daily.__

The easiest way to manage and stick to your budget is to check it regularly. I recommend spending just five minutes a day categorizing your transactions and reminding yourself of how much money you have left in each budget category. Remember, your budget is not a tool to punish you or hold you back; it is in place to help you stay disciplined as you navigate the ups and downs of life.

__Tip #6: Have a financial counselor hold you accountable.__

Lastly, if you are still struggling to stick to your budget, consider hiring a financial counselor who will hold you accountable for creating and sticking to your budget. There is nothing wrong with asking for help and Certified Christian Financial Counselors would love the opportunity to help you along this financial journey together.

As you look ahead to 2025 and the opportunities it brings, think of your budget as a valuable tool that can help you reach your goals. Budgets are crucial for staying focused, paying off debt, saving for the future and allowing for generous giving. Start the New Year with a clear and manageable budget that you can commit to throughout the year.

__[Image](https://www.christianmoneysolutions.com/blog/6%20Tips%20for%20Sticking%20to%20Your%20Budget%20in%202025)__ used with permission

Savings

In personal finance, there is a concept called the “latte effect”, and it can affect your ability to stay on a budget.

6 Tips for Sticking to Your Budget in 2025

__Did you know that according to the National Center for Health Statistics, the average 65-year-old man today can expect to live roughly 18 more years, while his similarly aged wife can expect to live more than 20 more years? Another fact: Social Security payments generally replace less than 40% of a retiree’s pre-retirement income.__

What do these statistics tell you about the need to save for retirement? Everything. They underscore the importance of taking responsibility to prepare for your own retirement. This is especially true for small-business owners (and the self-employed) who don’t have a company contributing to a plan on their behalf. But small-business owners should be encouraged: they have access to the same types of plans large corporations use.

Let’s review the benefits of saving in a retirement account. One of the biggest is that funds contributed to a retirement plan usually aren’t taxed as current income. Further, contributions made by a business owner (but not employee deferrals) are tax-deductible as a business expense. And, unlike salaries, they’re not subject to payroll taxes.

Additionally, funds inside a retirement account grow tax-deferred. This means no income tax is due on contributions or the investment profits they generate until the money is withdrawn during retirement — unless one is using a Roth account. (With a Roth 401(k), contributions are taxed before going into the plan, but withdrawals of principal and earnings are tax-free in retirement.)

Offering a good retirement plan also helps attract and retain employees!

Many types of retirement plans exist, so business owners often have difficulty identifying which are best suited to their business. Let’s take a look at the plans available for use by for-profit organizations.

__1. Qualified Plans.__

There are two main categories of qualified plans:

*Defined benefit* specifies a monthly amount a retiree will receive, i.e., a pension. For example, the plan might guarantee a retiring worker 70% of his or her pre-retirement income for life.

*Defined contribution* specifies the contribution to be made by the employer/owner. It does not, however, guarantee a specific level of benefit at retirement. For example, the plan might specify a contribution amount equal to 3% of annual salary. The most popular types of defined contribution plans are the 401(k), SIMPLE 401(k), Profit-Sharing, and Employee Stock Ownership Plans (ESOP, not shown in table). Qualified plans must comply with extensive government rules regarding employee participation and coverage, and IRS reporting requirements can make such plans costly to set-up and maintain.

__2. IRA-Funded Plans.__

These plans use *individual retirement accounts* to hold the assets in an employee’s name. But unlike traditional and Roth IRAs, an employer funds at least part of the account. The two main types of employer-sponsored IRAs are Simplified Employee Pensions (SEP-IRAs) and Savings Incentive Match Plans for Employees (SIMPLE-IRAs). Employer-sponsored IRAs typically require less time and attention to establish and maintain than qualified plans.


However, these plans have a key disadvantage from the employer’s perspective: *amounts are fully vested as soon as they are contributed*. As the vesting row of the table below shows, IRA-funded plans don’t allow an employer to require a certain length of service before owning the funds in his/her account. If an employee quits the day after a contribution is made, the funds will still belong to him.


![](https://soundmindinvesting.com/assets/articles/l4-small-business-retirement-plans.png)


__Qualified or IRA-funded?__

There are tradeoffs when deciding which type of plan is best for your business. Contributing higher levels of money may mean annual reporting to the IRS is required (see table). Conversely, being free from the reporting requirements (IRA-funded plans) may mean contributions to employee accounts can’t follow a vesting schedule. The goal is to find a balance between flexibility and utility.Answering the following questions should narrow your choices:

- __Are you willing to make mandatory contributions annually?__ 
If yes, then consider all plans. The determining factors will be which group of employees you are targeting, whether you would like employees to be able to contribute, and whether you prefer gradual or immediate vesting of contributions. (If you’d rather not have to fund the plan every year, consider only SEP-IRA, Profit Sharing, and 401(k) plans.)
- __How much are you — as the employer — prepared to contribute annually?__
If you’re willing to commit greater than 3% of payroll, but less than $70,000 for each key employee, consider Profit-Sharing, 401(k), SEP, or SIMPLE-IRA plans. If you want to contribute $70,000 or more for key employees, consider Money Purchase, Defined Benefit, or possibly Profit-Sharing plans with some additional features.
- __Are you willing to make annual filings with the IRS?__
If so, then any type of plan is fair game. If not, stick with either a SEP or SIMPLE-IRA plan.

Answering these questions may not point you to a single “best” plan, but doing so should narrow the options. However, *unless you are comfortable working with detailed rules and regulations, seeking the help of a professional in making a final selection and implementing a plan is strongly advised.*

__That said, don’t allow the confusing nature of these plans to keep you from saving for retirement, or from helping any employees you have to do likewise. As the Book of Proverbs tells us, “Ants are creatures of little strength, yet they store up their food in the summer” — and they are called “extremely wise” for doing so ([Proverbs 30:24](https://ref.ly/Prov%2030.24;niv?t=biblia)). May it be so with us.__

__[Image](https://soundmindinvesting.com/articles/a-road-map-to-retirement-plans-for-small-business-owners1)__ used with permission

Retirement

Business owners often have difficulty identifying which are best suited to their business. Let’s take a look.

A Road Map to Retirement Plans for Small-Business Owners

__When it comes to stewardship, college students don’t need to wait until graduation to implement one of the most powerful stewardship tools available—the budget. For college students, a budget can be a game-changer, providing control over their finances and developing healthy habit that will benefit them years after they graduate. Here are eight reasons why every college student should start budgeting today.__

__1. Financial awareness.__

By keeping track of income and expenses, students can gain a clear understanding of where their money is going. This is crucial for making informed financial decisions, both now and in the future. Understanding cash flow allows students to plan for necessary expenses, such as tuition and textbooks, while also identifying areas where they can cut back. This awareness not only helps students avoid impulsive purchases but also helps them to make choices they won’t regret after graduation.

__2. Creating a pattern of generosity.__

According to the Bible, generosity is our financial priority. Unfortunately, many students perceive generosity as something that can only be practiced once they have substantial income. A budget that includes a line item for giving can help cultivate a habit of generosity, regardless of the amount. By first allocating a portion of their income to God, students can develop a mindset and practice that prioritizes generosity.

__3. Debt avoidance.__

Debt looms large for many college students. Without a budget, it’s easy to overspend and rack up credit card bills or fall behind on student loan payments. Budgeting helps students track their spending habits and stay within their means, minimizing the risk of accumulating unnecessary debt.

__4. Spending control.__

Another significant advantage of budgeting is the promotion of mindful spending. College life often presents a variety of tempting distractions, from dining out with friends to the latest tech gadgets. A well-structured budget encourages students to distinguish between needs and wants, fostering more intentional spending habits. By categorizing expenses and setting limits, students can ensure that essential needs—such as housing, food, and education—are met before indulging in discretionary spending. This level of control can prevent feelings of regret that often accompany impulsive purchases.

__5. Development of wise financial habits.__

Developing a budget is an important step toward creating responsible financial habits. The skills learned while budgeting in college can last a lifetime. Students who practice budgeting regularly learn to plan for future expenses, save for emergencies, and make wise choices about investments and major purchases. These habits contribute to long-term financial health, as they prepare students for the financial complexities of adulthood.

__6. Reduced stress.__

Financial uncertainty can be a significant source of stress for college students. Balancing classes and work commitments is challenging enough without the added burden of financial worries. Knowing their financial situation through a budget can alleviate anxiety about money and allow students to focus more effectively on their studies.

__7. Preparation for the future.__

Budgeting serves as an important preparation tool for life after college. The transition from student life to the professional world can be daunting, especially when it comes to managing finances. By starting to budget now, students will be better equipped to handle the financial realities they will face after graduation, such as rent, utilities, and other living expenses.

__8. It won’t get any easier.__

Any post-college adult will tell you that their finances have only grown more complex over time. While a college student’s finances can have some complexity, it is likely the least complex situation they will face for many years to come. This makes the college years the perfect time to get into the habit of budgeting.

Budgeting is not just a task for the financially savvy; it is an essential skill that every college student should have. From fostering financial awareness and encouraging generosity to promoting spending control and reducing stress, the benefits of budgeting are numerous. By developing responsible financial habits now, students can set themselves up for a successful financial future. Budgeting helps students be better stewards of their finances, allowing them to make the most of their college experience while preparing for the stewardship road ahead.

[Image](https://www.christianmoneysolutions.com/blog/8-reasons-why-college-students-need-to-start-budgeting-now) used  with permission

Marriage and Family

College students don’t need to wait until graduation to implement one of the most powerful stewardship tools available.

Articles

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