Faith & Finance with Rob West
They say that money is a good servant but a terrible master—especially when it comes to debt. Surveys show that taking on debt ranks near the top of the list of financial regrets. Debt can make profound changes in your life and have spiritual consequences. Sharon Epps joins us to talk about that today. Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.

They say that money is a good servant but a terrible master—especially when it comes to debt.
Surveys show that taking on debt ranks near the top of the list of financial regrets. Debt can make profound changes in your life and have spiritual consequences. Sharon Epps joins us to talk about that today.
Sharon Epps is the President of Kingdom Advisors, our parent organization. Kingdom Advisors is a group dedicated to training financial professionals to guide and advise you according to biblical principles.Many of us face the challenge of managing debt, but approaching it with biblical principles can transform the way we handle our finances.
To help simplify money management, we can divide our finances into four categories: Live, Give, Owe, and Grow. These categories are like slices of a pie. Since the pie is limited, enlarging one slice means another must shrink. This analogy helps us view money as a finite resource that requires intentional stewardship. Today, we’ll focus on the "Owe" slice—debt—and explore biblical principles related to it.Sharon highlighted three key principles to guide believers in managing debt:
1. Repay What You Borrow
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Proverbs 22:7 reminds us of the dangers of debt, urging us to escape its grip as soon as possible. Carrying debt limits our freedom and creates unnecessary burdens.
If you’re struggling with debt, here are three actionable steps Sharon recommends:
Begin by committing your financial challenges to God. Align your heart with His will and ask for His guidance and provision.
It might seem counterintuitive to focus on debt, but it’s essential to build an emergency fund—at least $1,000. This "debt insurance" prevents you from falling back into debt when unexpected expenses arise.
Managing debt wisely is about more than just financial health; it’s about aligning our lives with God’s principles. By following biblical guidance, we can experience the freedom to live, give, and serve as God intended.
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