__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

Articles

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

__*“Do all things without grumbling or disputing, that you may be blameless and innocent, children of God without blemish.* Philippians 2:14-15.__

There’s no wiggle room in that passage. Paul says do *all things* without grumbling or disputing, not *some* things. That means when the boss piles on extra work or you get a flat tire, you’re supposed to accept it without complaint. Paul also lumps “disputing” in with grumbling, seeing both of these sins as serious flaws that could destroy unity in the church.

It’s much more natural to complain about our spouses, children and friends, our bosses and elected leaders. We grumble because we can’t find anything to wear in a closet stuffed with clothes, or anything to eat in a refrigerator that’s full of food.

One of our favorite complaints is that we don’t have enough money. You might think that If only you had just a little more, your life would be so much better. You like to believe that and sometimes you even say it out loud. No good ever comes from it. Instead of trying to earn more or spend less, you complain, and once you start, it’s hard to stop. Grumbling begets more grumbling.

It’s important to understand that this grumbling is actually rebellion against God and a form of blasphemy. Whenever you find fault with your boss, your bank account, or your spouse— you’re really finding fault *with God*. He is the One Who’s given you those gifts, and your grumbling is discontent with His provision.

God does not view grumbling lightly. He even imposed the death penalty on Israelites who complained about being in the desert. In Numbers 21, the Lord sends a plague of serpents on the grumblers and many died. Ultimately, a whole generation of them wasn’t allowed to enter the Promised Land.

If we looked at our carping and complaining from God’s perspective, we would probably better understand the wrath He unleashed on the Israelites. He brought them out of slavery and provided for their every need in the desert. But showing an amazing lack of gratitude, they were soon complaining that life was better when they were slaves of the Egyptians.

God has given us everything we have— and of course the greatest gift is that of His Son on the cross for our salvation. Christ tore the veil that once separated us from God, allowing us to commune with Him more fully.

Because of Christ’s sacrifice, our sins are forgiven, our sin debt is canceled. We’re clothed in the righteousness of Christ. How then do we live out the practical application of that relationship? As Paul says in Philippians 2, *“Do all things without grumbling or disputing, that you may be blameless and innocent, children of God without blemish.”*

We should be content because we know that anything we experience on earth is temporary, and that our life with Christ in heaven will be eternal. That contentment— when everyone else is grumbling— is a powerful witness for Christ. To *find* that contentment, we must focus on Christ and not ourselves.

That’s exactly what Paul did. He was shipwrecked, beaten and ultimately martyred for proclaiming the Gospel. In Philippians 4:12-13 he says, *“I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.”*

There are several barriers to finding the kind of contentment in Christ that Paul describes. One of the greatest is spiritual. We lack the understanding that God owns everything— including us— and that it’s His decision what, when and how He provides for us. It takes spiritual growth— discernment from the Holy Spirit— to get that.

Another barrier to contentment is *cultural.* We’re constantly bombarded with messages of scarcity and materialism. Commercials tell us “You can have it all.” Bumper stickers proclaim, “He who dies with the most toys wins.” But wins what, exactly? Certainly not contentment. Often the more stuff you have, the *less* content you are.

Finally, there’s also a *personal* barrier to contentment. We allow worldly influences to dictate whether we’re satisfied with God’s provision— rather than Scripture, which repeatedly instructs us about the blessings of humility and contentment.

In 1 Timothy 6 we find, *“Godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content.”*

__When you’re tempted to grumble about your spouse, your job, your retirement account or anything else— pray for a spirit of gratitude for what God has already given you. Be thankful that He’s kept His promise to provide for your needs. Most of all, be grateful for Christ’s sacrifice on the cross. He died for you— and never once complained.__

FaithFi

Here's what to do when you’re tempted to grumble about your spouse, your job, your retirement account or anything else.

Grumbling About God’s Provision

__If you could turn back time and start your investing “career” over again, what do you wish you had known then that you know now? When *The Wall Street Journal* asked several members of its “Experts” panel something similar — What retirement money tip do you wish you’d given yourself when you were 30? — William Reichenstein, investment professor at Baylor, said save early and save often.__

*Furthermore, I wish someone would have told me to maintain a heavy stock allocation — probably at least 90% until my early 40s — with perhaps 30% of the stock portion in international stocks.*

William Bernstein, author of several investing books, including *The Four Pillars of Investing*, also talked about asset allocation, emphasizing the importance of choosing an appropriate allocation for one’s age.

*The riskiness of stocks is dependent on where in an investor’s life cycle they are; they’re the least risky early on, since large price falls are actually beneficial to those with ongoing savings, and the most risky in retirement, when the losses can’t be made up with further saving. I wish I had realized this when I was young.*

Maddy Dychtwald, co-founder of Age Wave, a think tank focused on issues related to our aging population, said she’d tell her younger self to prepare for a long life.

*And one of the best strategies to living a long life successfully can be summed up in one word: ‘Compounding.’ In order to live a long life, it’s going to take money. A lot of money. The secret weapon to getting there is to take advantage of compounding.*

__Former Congressman Martin Frost, said to start investing sooner than later in order to learn about the market.__

*When my children were small, I purchased stock for their college accounts in companies like Walt Disney, Coca-Cola, and McDonald’s, that they could relate to. Our 5-year-old grandson recently visited Disney World and wanted to know what part of the park he owned. His parents explained that his investment probably accounted for a few blades of grass, but at least he was curious to know.*

I simply wish I had started investing earlier. From a young age, I had a strong work ethic, so I was earning good money by middle school. But it never occurred to me to invest any of that money. In fact, I didn’t begin investing in earnest until I was in my 30s.

__What about you? When you were younger, what do you wish you had known or done differently about investing? Drawing on the lessons of your own life, what investment-related advice would you give to a young person today?__

*[Image](https://soundmindinvesting.com/img/asset/Y2xvdWQvYXJ0aWNsZXMvbG9va2luZ19iYWNrMi5qcGc=?fit=crop-9-82-1.2&w=1660&h=896&s=c0ffc3eb2c1cdc5f48c8053e6400ce9a) used with permission. *

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

Sound Mind Investing

Investing

If you could start your investing “career” over again, what do you wish you had known then that you know now?

Investor, What Would You Tell Your Younger Self?

__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

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

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

<p><i>"Do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words."</i> – Matthew 6:7</p><p>In Matthew 6, Jesus warns against meaningless repetition in prayer. Thankfully, He doesn’t leave us wondering how to pray. Instead, He gives us the Lord’s Prayer—an example of how we should approach God with our needs.</p><p>But have you ever noticed how often we overlook a key part of this prayer? The request for provision:</p><p><i>"Give us this day our daily bread."</i> – Matthew 6:11</p><p>This simple yet profound verse reminds us that God is our provider. He wants us to come before Him humbly, asking for what we need. And in a world where self-sufficiency is often celebrated, this truth is more important than ever.</p><h3>God Is Our Provider</h3><p>Jesus’ words in Matthew 6:11 serve as a powerful reminder that we depend on God for our most basic needs—starting with food. It’s easy to take this for granted, especially in a time and place where food shortages are rarely a daily concern.</p><p>But do we truly recognize that all provision comes from God? Do we regularly thank Him for our meals and daily necessities? Or do we fall into the trap of thinking that our own efforts—our jobs, savings, and financial planning—are what sustain us?</p><p>It’s only when we face scarcity—when food, money, or security seem uncertain—that we remember our true dependence on God. But Jesus calls us to recognize this truth every day, not just in times of crisis.</p><p>The phrase <i>“Give us this day our daily bread”</i> has a deeper meaning than just food. It speaks to all our needs—physical, emotional, and spiritual. We hunger for more than just nourishment. We long for peace, love, purpose, and meaningful relationships.</p><p>Jesus teaches us to bring these needs to God in prayer, acknowledging that only He can truly satisfy us. The Lord’s Prayer is not just about survival—it’s about trusting that God will provide everything we need, both physically and spiritually.</p><h3>The Danger of Self-Sufficiency</h3><p>For those of us living in relative abundance, the idea of asking for <i>daily</i> bread might feel distant. Unlike Jesus’ original audience, who often faced food insecurity, we may not think about whether we’ll eat tomorrow. In fact, for many, the challenge is having too much rather than too little.</p><p>Yet, even in prosperity, Jesus’ words remain critical. This prayer reminds us that we are not self-sufficient. It helps guard against the illusion that we control our own destiny.</p><p>The danger of materialism is subtle. We may not consciously reject God’s provision, but when we place our trust in our bank accounts, investments, or careers, we begin to believe that we sustain ourselves. That mindset leads to pride—and ultimately distances us from God.</p><p>Jesus knew our hearts would struggle with this. That’s why He later says:</p><p><i>"Seek first the kingdom of God and His righteousness, and all these things will be added to you."</i> – Matthew 6:33</p><p>We don’t need to worry about our next meal, our financial security, or our future. What we truly need is God Himself. And prayer reminds us of that.</p><h3>Breaking the Grip of Materialism</h3><p>One way to keep our hearts aligned with this truth is through generosity. Giving is a tangible way to acknowledge that God—not our wealth—is our provider. When we give, we loosen the grip that money has on us and demonstrate our faith that God will continue to meet our needs.</p><p>There will always be reasons to worry—economic downturns, market fluctuations, unexpected expenses. But these uncertainties should drive us to prayer, not fear.</p><p>So, the next time you pray, <i>“Give us this day our daily bread,”</i> say it with sincerity. Recognize your dependence on God. Thank Him for His provision. And let that gratitude lead you to trust—and give—more freely.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 68 and plan to retire at 72. I owe $95,000 on a condo with a 7.125% interest rate. I've been paying an extra $1,000 per month towards the principal, but I'd like to know if I should do something else with that money instead of paying down the mortgage. I want to be debt-free when I retire. What should I do?</li><li>I have some stock savings I was planning to use for retirement. But I had to max out a credit card a couple of years ago when I lost income. The collection agency is offering to let me pay 75-80% of the debt in a lump sum. Should I take money from my stocks to pay this off or try to work out a monthly payment plan instead?</li><li>I recently won a $570,000 home from the St. Jude Dream Home Giveaway. When I took ownership, I had to pay $205,000 in taxes. My CPA says I could pay an additional 20% capital gains tax when I sell. I've had the home for a few years, and its value hasn't changed much. Can you help me understand the capital gains tax and how I can minimize the tax burden?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</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>

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

"Do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words." – Matthew 6:7

In Matthew 6, Jesus warns against meaningless repetition in prayer. Thankfully, He doesn’t leave us wondering how to pray. Instead, He gives us the Lord’s Prayer—an example of how we should approach God with our needs.

But have you ever noticed how often we overlook a key part of this prayer? The request for provision:

"Give us this day our daily bread." – Matthew 6:11

This simple yet profound verse reminds us that God is our provider. He wants us to come before Him humbly, asking for what we need. And in a world where self-sufficiency is often celebrated, this truth is more important than ever.

Trusting God for Our Daily Bread

Where timeless biblical wisdom meets today's financial decisions.

Become Wise With Money

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Financial health is just a means to a greater end. I want to see you in a place where you are living and giving generously, advancing God's Kingdom, without the hindrance of debt or any other financial barrier.

Give generously. Save wisely. Live appropriately.

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Behind every great movement of God are generous leaders who partner with those who proclaim the gospel. We call them Gospel Patrons.

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Do you have a giving strategy? We would love to help you explore all the opportunities to make the most of what God has given you.

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NCF helps people create a giving strategy based on biblical principles, so they can be wise stewards of all they have and experience the joy of greater generosity.

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Most conversations about giving end with an ask for money. Generous Giving hosts free events that help explore Jesus-like generosity without asking for anything in return. This leads to stronger families and deeper relationships with God.

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We exist to spread the message of biblical generosity in order to grow generous givers especially among those entrusted with much.

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INVEST IN PRAXIS MUTUAL FUNDS

Praxis Mutual Funds has a rich history as a leading faith-based family of mutual funds designed to help people integrate their finances with their values. With Praxis,your investments can make a difference for you, and the world around you.

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Smarter Stewardship

<p>You’re generous; you love to give. But how do you know that your giving is having a real impact?</p><p>It’s great that you have a heart for giving. The next step is to make sure your giving really counts…and that’s by aligning it with<i> God’s</i> heart. David Wills is here today to help us do that.</p><p>David Wills is President Emeritus of <a href="https://www.ncfgiving.com/">The National Christian Foundation (NCF)</a>. He is also the co-author of <a href="https://www.amazon.com/Investing-Business-Smart-Christian-Giving/dp/0977117405"><i>Investing in God’s Business (The “How To” of Smart Christian Giving)</i></a> and numerous articles and lectures nationwide.  </p><h3>The Three Big Questions of Generosity</h3><p>When it comes to giving, most Christians wrestle with three fundamental questions:</p><ol><li>Why should I be generous?</li><li>How do I give?</li><li>Where should I give?</li></ol><p>The first two questions deal with the heart and the head—our motivations for generosity and the practical ways to implement it. But the third question—<i>where should I give?</i>—often receives less attention. Instead of starting with our passions, we should begin with God's priorities.</p><p>God asks us to be generous on every occasion so that it brings Him glory and joy to our hearts. But instead of asking, <i>“What am I passionate about?”</i> We should ask, <i>“What is God passionate about?”</i></p><h3>A Framework for Giving: The Three-by-Three Grid</h3><p>To help believers align their giving with God’s priorities, David introduced a three-by-three framework that incorporates both geography and biblical causes.</p><h3>1. The Geography of Giving</h3><p>A great biblical guide for the <i>where</i> of giving comes from Acts 1:8:</p><p><i>“You will be my witnesses in Jerusalem, and in all Judea and Samaria, and to the ends of the earth.”</i></p><p>This verse provides a three-tiered approach to geographic giving:</p><ul><li><strong>Local (Jerusalem)</strong>—Giving within our immediate communities, such as supporting our local church and meeting local needs.<br /> </li><li><strong>National (Judea and Samaria)</strong>—Supporting broader efforts within our country, including church planting, evangelism, and charitable organizations.<br /> </li><li><strong>International (Ends of the Earth)</strong>—Expanding generosity to global missions, Bible translation, and aid to those who have never heard the Gospel.</li></ul><p>Most people focus on what’s right in front of them—their local church or nearby needs. However, a biblical giving strategy challenges us to think beyond our immediate surroundings.</p><h3>2. The Biblical Priorities of Giving</h3><p>Scripture reveals three overarching themes that reflect God's heart for giving:</p><ol><li><strong>The Great Commission (Matthew 28:19-20)</strong>—Supporting efforts that spread the Gospel, such as evangelism, church planting, missions, and discipleship.<br /> </li><li><strong>The Greatest Commandment (Matthew 22:37-38)</strong>—Giving to ministries that help people grow in their love for God, including churches, theological education, and discipleship initiatives.<br /> </li><li><strong>The Great Compassion (Matthew 22:39)</strong>—Caring for our neighbors by giving to those in need—orphans, widows, the poor, and the vulnerable.</li></ol><p>These three biblical priorities form the vertical axis of the giving framework, while geography forms the horizontal axis.</p><p>By overlaying these two dimensions—geography and biblical priorities—believers can develop a well-rounded and God-centered giving plan. This framework helps us see the gaps in our giving. Many believers focus on what’s nearby, but God calls us to care for those who have never heard the Gospel or are in extreme need.</p><h3>Making Giving a Family Practice</h3><p>One of the most powerful aspects of this framework is its ability to teach children about generosity. Parents can use this model to discuss giving priorities as a family and even create a family giving plan that reflects God’s heart.</p><p>We encourage families to:</p><ul><li>Sit down together and map out their giving on the three-by-three framework</li><li>Discuss where they are giving too much or too little.</li><li>Involve children in researching and selecting ministries that align with biblical priorities.</li><li>Regularly review and adjust their giving strategy as a family.</li></ul><p>For those who want to track their giving over time, organizations like the National Christian Foundation (NCF) provide tools to help families and individuals monitor their generosity.</p><h3>Aligning Your Giving with God's Heart</h3><p>Ultimately, giving isn’t about following personal passions—it’s about reflecting God’s heart. By using a biblical framework for giving, we can be more intentional and experience greater joy in generosity.</p><p>Take Action Today:</p><ul><li>Assess your current giving. Does it align with God’s heart?</li><li>Use the three-by-three framework to create a more balanced, intentional plan.</li><li>Involve your family in discussions about generosity.</li><li>Consider using a giving platform like <a href="https://www.ncfgiving.com/">NCF</a> to track and refine your generosity over time.</li></ul><p>To read David’s full article on this topic, explore <a href="https://www.faithfi.com/give"><i>Faithful Steward</i></a>, FaithFi’s new quarterly magazine. You can access it by becoming a FaithFi Partner for $35 per month or $400 per year at<a href="https://www.faithfi.com/give"> FaithFi.com/give</a>.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My daughter is turning 16 today, and I'd like to help her become more responsible with her money. Can you recommend any debit cards or apps that are good options for teens? I'm looking for something faith-oriented.</li><li>I'm working and married, and we'll be at full retirement age by the end of this year. Should I take my Social Security at 62, save and invest that money, and do charitable things? Or should I just keep working and wait for a higher income from Social Security later on?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.ncfgiving.com/">National Christian Foundation (NCF)</a></li><li><a href="https://www.capitalone.com/bank/checking-accounts/teen-checking-account/">Money Teen Checking Account (Capital One)</a> | <a href="https://greenlight.com/">Greenlight</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’re generous; you love to give. But how do you know that your giving is having a real impact?

It’s great that you have a heart for giving. The next step is to make sure your giving really counts…and that’s by aligning it with God’s heart. David Wills is here today to help us do that.

David Wills is President Emeritus of The National Christian Foundation (NCF). He is also the co-author of Investing in God’s Business (The “How To” of Smart Christian Giving) and numerous articles and lectures nationwide.

Aligning Your Giving with God's Heart with David Wills

<p><i>"And my God will supply every need of yours according to His riches in glory in Christ Jesus." — Philippians 4:19</i></p><p>This verse is a powerful reminder that God is our ultimate provider, no matter the economic uncertainties we face. Recently, we have seen that many have been concerned about trade tariffs and their potential impact on the economy. Today, Bob Doll joins us to explain what this means and what we can expect moving forward.</p><p>Bob Doll is the CEO and CIO of <a href="https://www.crossmarkglobal.com/">Crossmark Global Investments</a>. He regularly contributes to Faith and Finance and other media outlets like Bloomberg TV, Fox Business, and CNBC. </p><h3>What Are Tariffs and How Do They Affect Us?</h3><p>Tariffs are essentially taxes. If a 10% tariff is placed on imported goods, the price of those goods increases. That means consumers pay more for the products they need, which can slow down economic activity.</p><p>However, tariffs are not just about taxation; they are often used as a bargaining tool in international trade negotiations. Sometimes, it depends on the day of the week because tariffs are on one day and then off the next. This back-and-forth can create uncertainty in the market and impact businesses, investors, and consumers alike.</p><h3>Why Do Markets React Negatively to Tariffs?</h3><p>The stock market tends to respond negatively whenever there's talk of tariffs. Why?</p><p>Tariffs can slow economic growth. If companies and consumers have to pay more for goods, they either buy fewer products or cut back on spending in other areas. This dampens growth, and the market doesn’t like it.</p><p>Could tariffs alone push the economy into a recession? If they are significant enough, last too long, and trigger retaliation from other countries, it could certainly lead to what economists call a <i>trade war.</i> A trade war is not healthy for economic growth, but cooler minds will likely prevent it from escalating too far.</p><h3>The Strategy Behind Tariffs: Negotiation or Necessity?</h3><p>So, is the push for tariffs simply a negotiation tactic, or is there a deeper economic issue at play?</p><p>There’s no question that the U.S. has a trade imbalance with many countries. Addressing this imbalance is part of the reasoning behind tariffs. However, political leaders understand the risks and use tariffs more as a <i>bargaining tool</i> than a long-term strategy. They don’t want to sink the economy because these leaders have a vested interest in economic stability.</p><h3>Finding Peace in Economic Uncertainty</h3><p>Discussions about tariffs, markets, and recessions can easily lead to fear. Economic uncertainty often leaves people feeling anxious about their financial future. But as believers, we have a greater source of security.</p><p>Here are three key reminders:</p><ol><li><strong>Leaders Care About Economic Stability</strong>—Regardless of their approach, political leaders generally want a strong economy.<br /> </li><li><strong>The Economy is Resilient</strong>—Whether we have tariffs or not, the economy is doing well, and its economic fundamentals are still strong.<br /> </li><li><strong>God is in Control</strong>—Most importantly, our hope is not in governments, markets, or policies but in God. God knows the end from the beginning, including tariffs. Psalm 91 reminds us that God is our refuge and fortress—we can rest securely in His protection.</li></ol><h3>Focus on What You Can Control: Faithful Stewardship</h3><p>While we can’t control global trade policies, tax laws, or the stock market, we <i>can</i> control how we manage our own finances. We can control our own little economies—what passes through our hands. That means practicing <i>faithful stewardship.</i></p><p>We need to take care of everything God has given us—not just money, but all aspects of life: our minds, our bodies, our time. Being wise stewards of our finances means making thoughtful financial decisions, saving wisely, and giving generously. After all, it’s not ours; it’s all God’s.</p><p>When we recognize that everything we have belongs to God, it transforms the way we handle money. Rather than holding onto it tightly, we can give joyfully and generously.</p><p>Economic uncertainty will always exist, whether through tariffs, inflation, or market fluctuations. But believers are called to a higher perspective. Instead of being driven by fear, we can rest in the truth that God is sovereign over all things—even global trade policies.</p><p>The key is to focus on what we can control: managing our finances wisely, practicing faithful stewardship, and embracing the joy of generosity. And through it all, we can trust that God is our refuge and provider, no matter what challenges come our way.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I recently received a sizable inheritance. I have some ideas about what to do with it, but I wanted to get your thoughts first.</li><li>I would like to know where and how to invest. My husband and I are both retired. I have $200,000 left in my TSP and approximately $270,000 in IRA CDs, a small portion of which is Roth IRAs.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a></li><li><a href="https://www.crossmarkglobal.com/?utm_campaign=FaithFi&amp;utm_medium=FaithFi%20website%2C%20banner%2C%20email%2C%20social&amp;utm_source=vanity%20URL">Crossmark Global Investments</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>

"And my God will supply every need of yours according to His riches in glory in Christ Jesus." — Philippians 4:19

This verse is a powerful reminder that God is our ultimate provider, no matter the economic uncertainties we face. Recently, we have seen that many have been concerned about trade tariffs and their potential impact on the economy. Today, Bob Doll joins us to explain what this means and what we can expect moving forward.

Bob Doll is the CEO and CIO of Crossmark Global Investments. He regularly contributes to Faith and Finance and other media outlets like Bloomberg TV, Fox Business, and CNBC.

Navigating Tariffs and Economic Uncertainty with Bob Doll

<p><i>"Prepare your work outside; get everything ready for yourself in the field, and after that build your house."</i> - Proverbs 24:27</p><p>That verse underscores the need for planning and execution, key elements for long-term financial success. Matt Bell joins us today to discuss how to put planning and execution to work for you.</p><p>Matt Bell is the Managing Editor 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>The Importance of a Financial Plan</h3><p>Life tends to happen to us while we’re making other plans. Unfortunately, for many people, life happens without any financial planning at all. Millions of individuals fail to establish a clear strategy for managing their money, and even those who attempt to plan often struggle to stay on track.</p><p>Without a plan, it's easy to drift financially, reacting to circumstances rather than proactively building a stable financial future. The impact of financial planning—and, more importantly, execution—can be profound.</p><p>A <a href="https://www.nber.org/papers/w17078">2011 study</a> analyzed data from over 1,200 individuals aged 50 and older, examining their approach to financial planning and its effect on their retirement net worth. The study categorized participants into four groups based on their level of planning and follow-through:</p><ol><li><strong>Non-Planners:</strong> More than two-thirds of those studied had not done any financial planning despite being close to retirement. Many had not even researched what to expect from Social Security.<br /> </li><li><strong>Simple Planners:</strong> This group at least considered their future financial needs and made basic calculations about saving for retirement. However, only about half of them created a tangible financial plan.<br /> </li><li><strong>Serious Planners:</strong> These individuals sought financial information and even paid for professional planning advice. However, like the previous group, about half failed to implement their plans.<br /> </li><li><strong>Successful Planners:</strong> The final group—only about 20% of those studied—both created and consistently followed a financial plan over many years.</li></ol><h3>Even Small Steps Can Make a Big Difference</h3><p>One encouraging takeaway from this study is that every step toward better planning leads to improved financial outcomes. Even moving from the “non-planner” to the “simple planner” category doubled or tripled net worth at retirement. Advancing to the “serious planner” level added another 25% to 35% in wealth accumulation.</p><p>This demonstrates that financial planning isn’t an all-or-nothing proposition. Even taking small steps—like estimating future financial needs or using basic retirement calculators—can lead to significant benefits.</p><p>Proverbs 21:5 reminds us, <i>“The plans of the diligent lead to profit.”</i> This timeless wisdom underscores the necessity of both planning and execution.</p><p>If you haven’t started the planning process yet, or if you have a plan but aren’t consistently following it, research shows there’s substantial value in getting back on track. Tools like <a href="https://soundmindinvesting.com/multiply-resources/retirement-planning-calculators/moneyguidepro">Sound Mind Investing’s MoneyGuide</a>, or even free online retirement calculators, can be a great way to start.</p><p>Long-term financial success doesn’t happen by accident—it requires both a solid plan and the discipline to follow through. Every step forward matters, whether you’re just beginning your financial journey or looking to refine your existing plan.</p><p>For more insights, you can read the full article, <a href="https://soundmindinvesting.com/articles/planning-and-execution-the-keys-to-long-term-financial-success"><i>“Planning and Execution: The Keys to Long-Term Financial Success,”</i></a> at<a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA"> SoundMindInvesting.org.</a></p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have a 401(k) contributing 8%, but my company stopped matching and moved to a pension system. Should I roll over my 401(k) to a Roth or annuity? The balance is around $32,000.</li><li>I know we need to be generous with our money, and I want to do the same with God's money. So, I was looking into donating to St. Jude's Hospital and my local church. Is it possible to do both, or should I double down and donate all of it to my local church?</li><li>I have an HSA and had to start Medicare 7.5 years ago. I read I can retroactively take out the Medicare Part B premiums I've paid from my HSA over those 7.5 years. Is that correct?</li><li>My wife is 62, and we wanted to know if she should start taking Social Security now. We don't need the money for income; we would just invest 100% of it. We're not sure what the drawbacks would be.</li><li>I'm 64 years old and have significant money in IRA CDs. I considered slowly withdrawing the money every year to increase my liquid assets. I understand that the money goes toward my annual income, but I wanted to know if there is another way to lessen the taxes I have to pay.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Publication</a></li><li><a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1406008510245626691&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a> | <a href="https://soundmindinvesting.com/multiply-resources/retirement-planning-calculators/moneyguidepro">MoneyGuide</a></li><li><a href="https://soundmindinvesting.com/articles/planning-and-execution-the-keys-to-long-term-financial-success">Planning and Execution: The Keys to Long-Term Financial Success (Article from Sound Mind Investing)</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>

"Prepare your work outside; get everything ready for yourself in the field, and after that build your house." - Proverbs 24:27

That verse underscores the need for planning and execution, key elements for long-term financial success. Matt Bell joins us today to discuss how to put planning and execution to work for you.

Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance.

The Key to Long-Term Financial Success with Matt Bell

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