Faith & Finance

Faith & Finance

Faith & Finance is a daily radio ministry of FaithFi, hosted by Rob West, CEO of Kingdom Advisors. At FaithFi, we help you integrate your faith and financial decisions for the glory of God. Our vision is that every Christian would see God as their ultimate treasure. Join Rob and expert guests as they give biblical wisdom for your financial journey and provide practical answers to your pressing financial questions. From budgeting and debt management to investing and stewardship, Faith & Finance equips listeners with insights to handle money wisely and live generously for God's Kingdom. Listen now or ask your question live by calling 800-525-7000 each weekday from 10-11 a.m. ET on American Family Radio and 4-5 p.m. ET on Moody Radio. You can learn more at FaithFi.com.

  1. From Accumulation to Impact with Cody Hobelmann

    1D AGO

    From Accumulation to Impact with Cody Hobelmann

    “Abundance isn’t God’s provision for me to live in luxury; it’s His provision for me to help others live.” That line from Randy Alcorn captures the heart behind a financial finish line. When God entrusts us with more, the question is not simply, “How much can I keep?” but “How much can I use for His purposes?” Cody Hobelman, Certified Financial Planner and Certified Kingdom Advisor, joined the show today to share how that question became deeply personal in his own life. Along with his brother Keelan, Cody contributed to FaithFi’s new Field Guide, How Much Money Is Enough? But before he taught others how to set a financial finish line, he had to wrestle with it in his own context. The Early Pull of Accumulation Early in his career, Cody’s view of money was much like that of many people. He wanted a large income, growing wealth, and the kinds of opportunities that seemed to promise happiness and success—perhaps vacation homes, financial freedom, and a comfortable lifestyle. Those goals were not unusual. Many people begin their careers with an eye toward building, earning, and accumulating. But over time, Cody began to sense that something was missing. After college, he returned to church and began reading Scripture for himself. What stood out to him was how often Jesus spoke about money. Those passages began to reshape the way he viewed his role in managing what God had entrusted to him. When Obedience Begins to Reshape the Heart At the end of 2016, Cody’s church went through a series on managing money biblically. At the conclusion, the congregation was invited to commit to tithing in the coming year. After prayer and conversation with his wife, Steph, Cody decided to begin giving 10% of his income to the church in 2017. That step mattered. It was his first move into intentional giving. He began to see that not every dollar he earned had to serve his own lifestyle. God gives resources with purpose, and giving helped Cody begin to discover that purpose. But as he later reflected, his generosity at that stage still felt like “checking the box.” He was giving, but accumulation remained the deeper goal. Tithing became a generous layer atop a life still largely centered on earning, comparing, and building more. He realized he was trying to serve both God and money. The Question That Changed Everything In 2020, Cody’s brother Keelan invited him to consider a simple but life-altering question: “How much is enough?” In other words, if God provided more income over the course of his career—or even in a single year—how would Cody know how much was enough to spend on his own lifestyle? And how could he create margin so that additional resources could be used for God’s purposes? At first, Cody resisted the conversation. But he could not escape the realization that he was still at the center of his financial world. So he and Steph accepted the challenge. They chose a number that represented a reasonable level of lifestyle spending for a season. That number became their first financial finish line. A financial finish line is a cap on lifestyle spending. Once that line is set, anything beyond it can be directed toward generosity, debt reduction, ministry, or other God-honoring purposes. A Finish Line Before the Increase Interestingly, Cody and Steph set their first finish line when their income was still below that number. Steph was in graduate school, Cody was early in his career, and they still had student loans. They were also hoping to buy a home. So the finish line was not immediately restrictive. It was more future-oriented. But that decision prepared their hearts before additional income arrived. Not long after, Steph graduated and began working full-time. Cody also received a raise. Suddenly, the finish line was no longer theoretical—it was practical. Because they had done the hard work of prayer, conversation, and planning before the increase in income, they already knew what to do. Their finish line helped them avoid simply expanding their lifestyle to match their income. Paying Down Debt to Free Up Generosity At the time, Cody and Steph still had debt. But their growing vision for generosity changed the way they saw it. Rather than viewing debt simply as a financial inconvenience, they began to see it as an obstacle to giving as they wanted to. So even within their finish line, they chose to live on less than they could have in order to prioritize paying down debt. The goal was not merely to become debt-free for their own comfort. It was to remove barriers that limited their ability to participate in what God was doing. From Scorecard to Stewardship Setting a financial finish line changed Cody and Steph’s day-to-day life. For the first time, Cody said he truly experienced contentment. He could honestly say, “We have enough.” That contentment reshaped their conversations about money. Instead of asking only what they could afford for themselves, they began asking what God might be inviting them to do for others. They also created a separate “kingdom account,” moving money into a dedicated giving account. Eventually, they used a donor-advised fund as well. That separation clarified the purpose of the money and helped guard against the temptation to use it for their own lifestyle. Money became a tool, not a scorecard. Before setting a finish line, even giving could feel like something to measure or compare. Afterward, generosity became more about obedience, surrender, and availability. Living With God, Not Merely For God Looking back, Cody says the finish line helped him trust God more deeply. It changed the way he viewed work, provision, and the future. Rather than constantly asking, “Will there be enough?” he began asking, “What would God have us do right now?” That shift moved generosity from a financial category into a way of life. It became part of listening to God, responding to Scripture, and attending to the needs around him. How to Take the First Step For someone who feels drawn to the idea of a finish line yet intimidated by it, Cody offers simple encouragement: start with a trial period. You do not have to choose the perfect number. You do not have to answer every “what if” before you begin. Start with three or six months. Choose a reasonable level of spending for your family, your season, and your location. Then see what God reveals as you take the next step. A finish line is not necessarily a one-time decision. It can be revisited and adjusted as life changes. The point is not rigidity—it is intentionality. When we define enough, we are not limiting our lives. We are creating space for greater clarity, contentment, and generosity. God’s provision is not merely something to consume. It is something to steward. And when we stop asking only, “How much can I keep?” we become free to ask a far better question: “Lord, how do You want me to use what You’ve entrusted to me?” FaithFi’s new Field Guide, How Much Money Is Enough?, is designed to help you begin that journey and set your own financial finish line. You can receive your copy when you become a FaithFi Partner by giving $35 a month or $400 a year by May 31st. Learn more at FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions: I’ve saved about $2,000 for my 11-year-old grandson by setting aside about $1 a day. He’s interested in the stock market, but I don’t know much about investing. Where could I put this money so it has a chance to grow, and is $2,000 enough to get started? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Fidelity Go® | Schwab Intelligent Portfolios® Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  2. Why Debt Management is Better with Neile Simon

    2D AGO

    Why Debt Management is Better with Neile Simon

    If you’re drowning in debt and someone offers a lifeline, make sure it’s not really an anchor. When debt feels overwhelming, it’s natural to look for a way out. And there are several options that sound helpful at first: debt consolidation, debt settlement, and debt management. But while those terms are sometimes used interchangeably, they are not the same—and they can lead to very different outcomes. Neile Simon, a Certified Credit Counselor with Christian Credit Counselors (CCC), joined the show today to explain the differences and help listeners understand which approach best reflects both financial wisdom and biblical responsibility. Debt Consolidation: A Quick Fix With Real Risks Debt consolidation is often appealing because it rolls multiple debts into one new loan. Instead of making several payments to different creditors, you make one payment on the consolidation loan. That may sound simpler and, in some cases, reduce confusion. But Neile explains that these loans often come with interest rates between 15% and 22%, depending on your credit score. And while consolidation may feel like a fresh start, it does not necessarily solve the deeper problem. The biggest risk is that consolidation allows you to keep your credit card accounts open. If spending habits don’t change, many people end up running up new credit card balances while still owing on the consolidation loan. In other words, consolidation can turn one debt problem into two. Proverbs 13:11 says, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Debt freedom usually doesn’t come through a quick fix. It comes through steady, faithful steps over time. Debt Settlement: A Dangerous Path Another option people often hear about is debt settlement. These companies typically promise to negotiate with creditors so you can pay less than the full amount owed. But Neile warns that debt settlement can be misleading and financially damaging. In many cases, debt settlement companies require you to stop paying your creditors. That means your credit may be severely damaged, and the impact can be almost as serious as bankruptcy. There are other consequences as well. Any forgiven debt may be treated as taxable income, and you may receive a 1099-C at the end of the tax year. In addition, after a period of nonpayment, creditors may pursue legal action, which could result in liens on property or wage garnishment, depending on your state. For Christians, there’s also a biblical concern. Psalm 37:21 says, “The wicked borrows but does not pay back.” While every situation requires wisdom and compassion, Scripture calls us to take responsibility for what we owe whenever it is in our power to do so. Debt Management: A More Faithful Way Forward Debt management is different from both consolidation and settlement. Through a credit counseling agency like Christian Credit Counselors, you can enroll in a debt management program that helps you repay your debts in full while often reducing your interest rates and monthly payments. Instead of taking out a new loan, you make a single monthly payment to the credit counseling agency, which distributes it to each creditor in the program. The goal is not to avoid the debt, but to pay it back in a structured and manageable way. Neile explains that interest rates through a debt management program may range from 1% to 12% APR, allowing many people to pay off debt much faster. One important thing to know is that creditors typically close the accounts you enroll in the program. However, you are not required to enroll every account. That can actually be a benefit. Closing accounts helps break the cycle of relying on credit and builds new habits of spending, saving, and stewardship. Proverbs 3:27 says, “Do not withhold good from those to whom it is due, when it is in your power to do it.” Debt management reflects that principle by helping people honor their debts while finding a sustainable path forward. Why Debt Management Is Often the Best Option Debt management is often the preferred solution because it addresses both the financial and behavioral sides of debt. It lowers interest rates and simplifies payments, but it also requires a change in habits. That matters because debt freedom is not just about reducing balances. It’s about learning to live differently going forward. The team at Christian Credit Counselors begins with education and offers a free consultation to help people understand their options. They also approach debt repayment from a biblical perspective, offering prayer, encouragement, and support along the way. For anyone feeling overwhelmed by debt, the first step is not to panic. It’s wisdom. Get the facts, understand the differences, and choose a path that helps you repay what you owe while building healthier financial habits for the future. To learn more, visit FaithFi.com/CCC. On Today’s Program, Rob Answers Listener Questions: I know you’re not generally a fan of annuities, but I have a diversified portfolio—about $1.3 million in IRAs and a 401(k), plus about $200,000 in liquid assets. If my five-year annuity matures and I roll the full amount into another annuity without taking withdrawals, will I owe taxes on that rollover? I’ve saved enough to cover about four or five years of living expenses, and we have no debt. Should I live off those savings before tapping into retirement benefits, or preserve them and start drawing from retirement now? I’m considering converting $575,000 from my traditional IRA to a Roth IRA over five years and paying the taxes as I go. Once the money is in the Roth and meets the five-year rule, will future interest and gains be tax-free? I have a 10-year HVAC service contract that costs about $41 a month and includes spring and fall maintenance visits, though service calls still have a fee. Since I already have a 10-year manufacturer’s warranty on major components, is this service contract worth keeping? I’ve been with my employer for 44 years, am moving to part-time, and plan to retire fully in August. I have about $500,000 in my 401(k), recently started Social Security at 65, and am still contributing. Should I roll part of my 401(k)—maybe $100,000—into an IRA now for supplemental income, or wait until later? And should I keep it with Empower or move it to Fidelity, Vanguard, or Schwab? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors (CCC) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  3. Staying Financially Faithful When Life Is Full

    3D AGO

    Staying Financially Faithful When Life Is Full

    Corrie ten Boom once said, “If the devil can’t make you sin, he’ll make you busy.” That’s a sobering thought, especially in a world where many of us feel like life is moving faster than we can keep up. Deadlines, family responsibilities, bills, errands, emails, appointments, and unexpected needs can make every day feel like a sprint. And when life moves that fast, it’s easy to make financial decisions on the fly. We don’t always neglect stewardship out of carelessness. Sometimes, we neglect it because we’re tired. We stop paying attention. We spend reactively instead of prayerfully. We put off conversations we need to have. We ignore creeping lifestyle inflation. We delay generosity until things “settle down.” Before long, the pace of life begins shaping our financial decisions more than the wisdom of God does. The Spiritual Danger of Distraction Busyness can be more spiritually dangerous than it first appears because it doesn’t always oppose faithfulness with rebellion. Sometimes it opposes faithfulness with distraction. Jesus warned about this in Luke 8, when He described the seed that fell among the thorns. He said it was choked by “the cares and riches and pleasures of life” (Luke 8:14). In other words, ordinary life can become so crowded that it chokes out what truly matters. We can spend hours worrying, scrolling, comparing, impulse buying, chasing the next opportunity, or reacting to every headline while neglecting the simple habits that build faithful stewardship: planning, giving, saving, communicating, and trusting God. Jesus highlights a similar tension in Luke 10. Martha is working hard, serving diligently, and doing good things. But Mary is sitting at Jesus’ feet, listening. Jesus gently says, “Martha, Martha, you are anxious and troubled about many things, but one thing is necessary” (Luke 10:41–42). Martha wasn’t doing something sinful. She was doing something useful. But even useful things can become disordered things when they crowd out what matters most. That applies to stewardship, too. It’s possible to work hard, earn income, pay bills, and stay active, yet slowly lose sight of the heart of stewardship: trusting God, aligning our resources with His priorities, and handling money with wisdom and intentionality. Stewardship Is Worship Stewardship is never just about transactions. It’s about worship. Every dollar we earn, spend, save, or give becomes an opportunity to express what we believe about God. Do we trust Him? Do we believe He is our provider? Do we see money as ours to control—or His to manage? That’s why financial faithfulness requires more than good intentions. It requires margin—not just margin in your bank account, but margin in your soul. Dallas Willard once said, “Hurry is the great enemy of spiritual life in our day.” That certainly has implications for our finances as well. Hurry can lead to impulse spending, neglected planning, avoidable debt, forgotten generosity, and anxiety-driven decisions. When our lives are hurried, our money often becomes hurried, too. So what does it look like to remain financially faithful in a busy season? Slow Down Long Enough to Notice Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” In an agrarian society, a person’s wealth was often tied up in flocks and herds. To know their condition meant slowing down enough to count them, care for them, and manage them wisely. Today, your “flock” may be your bank account, budget, bills, giving plan, savings, or debt. Awareness is often the first step toward wisdom. You can’t faithfully steward what you never stop to notice. Prioritize What Matters Most If generosity, saving, debt reduction, or wise planning matter to you, don’t leave them to chance. Put them on the calendar. Automate what you can. Schedule the budget conversation. Decide in advance what you will give. Review your spending before the month gets away from you. What gets scheduled often gets done. What gets ignored often drifts. Faithful stewardship rarely happens by accident, especially in a busy season. Simplify Where Possible Sometimes the problem isn’t just a busy calendar. It’s an overcomplicated life. Too many commitments. Too many subscriptions. Too many obligations. Too many purchases to manage and maintain. Simplicity can be an act of stewardship. It creates room to pay attention, to say yes wisely, to say no faithfully, and to focus your resources on what God has truly entrusted to you. Remember That Small Faithfulness Matters You may not have time today for a complete financial overhaul. But you may have time to review one statement, cancel one unnecessary expense, pray over one decision, or have one honest conversation. Small acts of faithfulness matter. Over time, small decisions can reshape your habits, your household, and your heart. The goal isn’t to do everything at once. The goal is to take the next faithful step. Keep the Goal in View The goal of stewardship is not perfect financial performance. It’s faithfulness. God is not asking you to control every outcome or master every detail. He is inviting you to trust Him, seek His wisdom, and handle what He has entrusted to you with care. So in a busy season, don’t let hurry make your financial decisions for you. Slow down. Pay attention. Make room for what matters. And remember: faithful stewardship begins not with a frantic rush to do more, but with a quiet willingness to seek God first. On Today’s Program, Rob Answers Listener Questions: I’m 71½ and have been using CDs to make charitable gifts. Is there a way to know whether Roth conversions from my IRA still make sense? Is now an optimal time to do more conversions? And once I begin taking RMDs, can I still do Roth conversions? My husband and I are setting up a trust, but he doesn’t know much about my health. I’d like to name another relative as my medical power of attorney. Is that allowed, and could my husband override that decision? Also, is the ‘Five Wishes’ document a good tool for end-of-life and medical preferences? I’m 67 and receiving Social Security and Medicare. My wife is 60, works part-time as a teacher, and is on Obamacare. If she retires at 62 and starts Social Security, will my benefit be reduced? And can she stay on Obamacare until 65, or does she need to enroll in Medicare at 65? We own two homes in different states and plan to sell one in the next three to four years. For the capital gains exclusion on a primary residence, do the two years of ownership and use have to be consecutive, or can they be any 24 months within the last five years? And if we split time between both homes, can we still qualify? My husband and I are 70 and 72, and we own five rental properties. We may sell them when he’s around 78. From a tax and Medicare premium standpoint, is it better to sell them all in one year or spread the sales over multiple years? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Five Wishes Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  4. 10 Fun and Free Things To Do This Summer

    6D AGO

    10 Fun and Free Things To Do This Summer

    Summertime is here. And while kids may be counting down the days until school is out, parents and grandparents may be counting something else—the cost. Keeping kids entertained during the summer does not have to break the bank. In fact, some of the best memories do not come from expensive outings. They come from creativity, time together, and a little planning. It is tempting to spend our way into a good time. A movie with popcorn and drinks can easily become a costly outing for a family. A trip to a major league ballpark can cost even more. But meaningful family fun does not have to come with a high price tag. Here are ten fun, meaningful, and free things your family can do this summer. 1. Visit the Library Today’s libraries are more than shelves of books. Many host summer reading challenges, puppet shows, craft days, Lego clubs, and other free activities for kids. A trip to the library builds lifelong learning habits, encourages imagination, and gives children a healthy break from screen time. It is a simple summer win for the whole family. 2. Have a Themed Movie Marathon Movie nights are always fun, but you can make them even more memorable with a theme. Dress up like your favorite characters, make homemade popcorn, and watch movies you already own or can stream for free through your library. It is a cozy, low-cost way to enjoy time together without leaving home. 3. Check Your Community Calendar Many towns and cities host free summer concerts, outdoor movie nights, festivals, parades, and family events. These gatherings are not only enjoyable; they also help families connect with their neighbors and experience the gift of community. Scripture often reminds us that we were not made to live in isolation, and summer can be a wonderful time to build those local connections. 4. Plan a Backyard Campout You do not need a mountain getaway to go camping. Pitch a tent in the backyard, roast marshmallows, tell stories, and spend time under the stars. You can also take a few moments to marvel at the night sky together. Psalm 8:3–4 says, “When I look at your heavens, the work of your fingers, the moon and the stars… what is man that you are mindful of him?” A backyard campout can become a simple opportunity to worship the God who made the heavens and cares for us. 5. Host a Yard Sale A yard sale can be more than a way to clean out the garage. Let your kids gather items, price them, and help run their own mini shop. This can teach stewardship, contentment, and generosity—especially if they choose to give a portion of the proceeds to someone in need. 6. Try Geocaching If your family enjoys a good treasure hunt, geocaching can be a fun adventure. All you need is a smartphone and a free app to begin searching for small caches hidden throughout your community. It is a great way to explore new places, get outside, and bond as a family—without spending money. 7. Organize a Neighborhood Game Day Sometimes the simplest games are the most fun. Kickball, capture the flag, relay races, or a water balloon battle can bring kids and families together for hours. Reach out to other parents in your neighborhood and organize a recurring game day. You can rotate houses, share the fun, and build community at no cost. 8. Create a Summer Bucket List Get the kids involved and make a list of free or simple things they want to do this summer. It could include building a fort, catching fireflies, learning a new skill, having a picnic, or watching a sunset. Then check the items off one by one. A summer bucket list builds anticipation, keeps the season organized, and helps your family make memories with intention. 9. Explore Local Parks and Trails Nature is one of God’s most accessible gifts. A walk through the woods, a bike ride, or a visit to a local preserve can stir the soul and open our eyes to the beauty of creation. Psalm 19:1 says, “The heavens declare the glory of God.” And so does every bird's song, wildflower, trail, and sunset. Summer is a wonderful time to help children slow down and notice the world God has made. 10. Serve Together as a Family One of the most meaningful things you can do this summer is serve others together. You could volunteer at a food pantry, visit a nursing home, bake treats for neighbors, write encouraging cards, or help someone with yard work. Acts of service teach children the joy of giving and remind them that life is not just about being entertained. Jesus said in Acts 20:35, “It is more blessed to give than to receive.” Serving together helps children experience that truth firsthand. Steward the Summer Well It is easy to assume that fun comes with a price tag. But often, the most meaningful moments cost nothing at all. Laughter, love, sunshine, conversation, service, and time together are gifts from God. As you plan your summer, do not focus solely on how much you can spend. Focus on how you can wisely steward the time God has given you with the people you love. And take it from a dad who knows how quickly the years pass: this season goes by faster than you think. Summer is a wonderful opportunity to invest relationally, be present, and build memories that do not require debt. On Today’s Program, Rob Answers Listener Questions: I’m 64, about to turn 65, and have severe health issues from pesticide and mold poisoning. I work multiple part-time jobs to cover care that traditional insurance hasn’t covered, including a specialized doctor and compounded medications. People say I need Medicare and possibly a supplement to avoid penalties, but I’m not sure either would help. What should I do? I’m 62 and still working. At what age can I start drawing Social Security while continuing to earn my current income without reducing my benefit? And if I wait until 70, will that be when I receive the maximum benefit? I want to keep my estate out of probate. My bank accounts are payable on death to my two children, but I also have a house and 20 acres. How can I keep that property out of probate as well? Also, has the annual gift exclusion changed this year? I own a three-unit rental property. Would there be a benefit to placing it in an LLC, and what are the main advantages? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  5. The Case for International Investing with Mark Biller

    MAY 21

    The Case for International Investing with Mark Biller

    Over the past decade, U.S. stocks have been the center of the investing universe. And for good reason—the U.S. market remains one of the strongest and most influential in the world. But wise investing is not simply about looking at where the market has been. It also means asking where opportunities may be emerging next. That raises an important question: Should investors consider looking beyond U.S. markets? On today’s show, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, says the answer is worth careful consideration. While U.S. stocks remain important, global markets, currencies, and economic leadership are always changing. For investors seeking wise diversification, international investing may deserve a closer look. Why Consider International Investing? Historically, one of the main reasons to own international stocks has been diversification. Decades ago, foreign markets often moved more independently from U.S. markets. When U.S. stocks struggle, international stocks might perform better, helping smooth out a portfolio's ups and downs. That benefit has diminished somewhat as globalization has grown. Today, U.S. and foreign markets often move in the same general direction. But diversification is still not the only reason to consider investing abroad. Another reason is opportunity. Many strong companies are based outside the United States. Investors who focus only on domestic markets may miss out on growth taking place in other parts of the world. There is also a broader market-cycle consideration. U.S. and international stocks tend to trade leadership over long periods. One may outperform for a decade or more, and then the pattern can shift. After roughly 15 years of strong U.S. market leadership, foreign stocks may be positioned to become more competitive again. The U.S. Market Is Strong—But Not Permanent The U.S. economy remains the largest and strongest in the world. America benefits from deep capital markets, natural resources, innovation, and relative political stability. Still, Mark points out that U.S. financial assets have been “punching above their weight” for some time. U.S. stocks currently represent a much larger share of global stock markets than the U.S. represents of global economic output. That does not mean U.S. stocks are destined to decline. But it does suggest that today’s level of dominance should not be assumed to last forever. The global economy is shifting toward a more multipolar world, where economic leadership may be spread more broadly across regions. If foreign investors begin directing more capital toward their home markets, international stocks could benefit. Why the Global Economy Matters One of the most important distinctions investors should understand is the difference between global stock market share and global economic output. According to Mark, U.S. stocks represent about 64% of the global equity market, while the U.S. share of global economic production is closer to 15%. That is a significant gap. There is no rule that a nation’s stock market share must match its share of global economic activity. But those numbers have shifted over time, and there is no guarantee that the current U.S. share of global markets will remain this high indefinitely. For investors, this means it may be wise to pay attention to where economic growth is happening outside the United States—especially in emerging markets. The Opportunity—and Risk—of Emerging Markets Emerging markets can offer significant long-term growth potential. These countries often have growing populations, rising standards of living, and expanding economies. But that potential comes with higher volatility. Capital can move quickly in and out of emerging markets, creating larger swings in performance. Investors should understand that while the long-term growth story may be compelling, the risks are also greater. For that reason, emerging markets should generally be approached thoughtfully, as one part of a diversified strategy—not as a speculative bet. The Role of Currency Currency also plays an important role in international investing. Most Americans earn and spend in dollars, so they may not think much about exchange rates unless they travel internationally or buy foreign goods. But for investors, currency movements can have a meaningful impact. When a U.S. investor buys foreign stocks, returns are influenced by two factors: the performance of the foreign market and the movement of that country’s currency against the U.S. dollar. If the foreign currency strengthens against the dollar, it can enhance returns for a U.S. investor. If it weakens, it can reduce returns. That means international investing is not just about foreign companies—it also involves exposure to global currencies. How Investors Can Add International Exposure For most investors, mutual funds and exchange-traded funds are the simplest ways to add international exposure. These vehicles provide diversification across many companies and markets. There are several categories to understand. World funds can invest anywhere around the globe, including the United States. Investors should examine them carefully because some may still hold a large percentage of U.S. stocks. Foreign funds focus primarily on companies outside the United States. These offer more direct international exposure. Regional and country-specific funds focus on specific regions of the world. These may offer targeted exposure but usually come with greater risk. Emerging market funds focus on developing economies with higher growth potential and higher volatility. Each type of fund carries different levels of diversification and risk, so investors should consider how each fits within their broader financial plan. What About China? China presents a complicated picture for investors. The country has experienced tremendous economic growth, but its stock market has not always reflected that growth as investors might expect. Government involvement, market controls, and geopolitical concerns also create additional risks. Because of those factors, some investors choose to limit or avoid exposure to China while still investing in other emerging markets. Mark notes that Sound Mind Investing takes this approach by using emerging-market strategies that exclude China. How Much International Exposure Makes Sense? There is no single percentage that fits every investor. The right amount depends on goals, risk tolerance, time horizon, and the rest of the portfolio. Still, Mark suggests that many U.S. investors may be underexposed to international markets. As a general starting point, many diversified strategies might allocate roughly 15% to 25% of the stock portion of a portfolio to international assets, with flexibility to adjust based on market conditions. The key is not to chase trends or overreact to recent performance. It is to build a thoughtful, diversified portfolio that recognizes both the strength of U.S. markets and the opportunities developing around the world. On Today’s Program, Rob Answers Listener Questions: How can I trust God without saving too much, while still preparing wisely for retirement? Is it okay to save for retirement, and what should that look like? I’ve also been struggling with tithing. I often hear that I should give 10%, but that can be difficult. How should I think about tithing so my heart is in the right place? I’m helping my son and daughter-in-law buy their first home. Is PMI required for any first-time homebuyer who puts less than 20% down? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Diversifying Abroad: A Primer on International Investing by Mark Biller (Article on SoundMindInvesting.com) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  6. The 3 Questions Financial Advisors Hear the Most with Sharon Epps

    MAY 20

    The 3 Questions Financial Advisors Hear the Most with Sharon Epps

    What are the biggest financial questions people keep asking—and are we answering them the right way? The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart. Sharon Epps, president of Kingdom Advisors, joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents. The Questions People Keep Asking As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are: How much is enough? How do I prepare the next steward? How do I give intentionally? Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust. How Much Is Enough? At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure. But beneath the question is often a deeper concern: Will I be okay? Will my family be okay? That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace. A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness. Preparing the Next Steward Another question many people ask is, “How do I prepare the next steward?” This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime. That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness. Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includes biblical wisdom, godly character, and a clear understanding of how to steward resources. As Ron Blue has often said, estate planning is incomplete if it only focuses on wealth transfer. The greater goal is the transfer of wisdom before wealth. Giving Intentionally The third question Sharon says advisors frequently hear is, “How do I give intentionally?” This question moves generosity beyond impulse or obligation. It invites us to think carefully about how God may be calling us to use what He has entrusted to us for His Kingdom. Intentional giving requires prayer, planning, and a willingness to align our resources with our deepest convictions. It asks not simply, “How much can I give?” but “How can my giving reflect God’s generosity and advance His purposes?” A Resource for Deeper Stewardship These recurring questions helped inspire FaithFi’s new Field Guides—practical resources designed to help people work through major financial questions with both technical clarity and biblical wisdom. The first Field Guide, How Much Money Is Enough?, helps readers think carefully about contentment, provision, and defining “enough” through a biblical lens. Because the questions we ask about money often point to deeper matters of the heart, we need more than financial information. We need wisdom rooted in God’s Word. To receive a copy of the first FaithFi Field Guide, How Much Money Is Enough?, become a FaithFi Partner by supporting the ministry at $35 a month or $400 a year. Learn more at FaithFi.com/Give. On Today’s Program, Rob Answers Listener Questions: In my divorce, I was awarded my ex-husband’s tax-deferred savings plan. It was originally $14,000 and grew to about $17,000 before being transferred to another bank. In 2020, when I tried to access the money, the bank said they couldn’t find it in their system and suggested it might be in storage records. They still haven’t located it. What steps can I take to recover those funds? I’m 56, a state employee, and about to take early retirement. I’ll have healthcare covered, a pension of about $1,400 a month, and I’m moving into a private-sector job that pays more than I make now. My only debts are a $148,000 mortgage at 6% and an $11,000 home equity line at 7%. Should I invest the pension for retirement in about 10 years, or use it to pay down debt? I’m turning 65 in June. I received a Social Security letter stating that if I respond between December 1, 2025, and June 1, 2026, my claim would start at age 64½, backdated to December, rather than age 65. Since I didn’t start this process, why would they begin my benefits at 64½ rather than letting me claim at 65? My wife recently left a job after 30 years and is starting with a new company. We’re considering rolling her old retirement plan into an IRA at Schwab, but she wonders whether the money will grow more slowly if it’s split between an IRA and her new employer’s plan. Does retirement money need to be in one account to ‘grow together,’ or is it fine to keep it in separate accounts? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) SSA.gov (Social Security Administration) National Association of Unclaimed Property Administrators (NAUPA) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  7. Finding Purpose in Retirement with Mitch Anthony

    MAY 19

    Finding Purpose in Retirement with Mitch Anthony

    Retirement is often described as the finish line—the long-awaited season when work finally ends, and leisure begins. But what if that picture is incomplete? For believers, retirement does not mean purpose expires. It may simply mean that purpose takes on a new expression. We were created by God not merely to earn a paycheck, but to serve, contribute, create, encourage, and reflect His character in the world. That calling does not end when a career does. Mitch Anthony, bestselling author of The New Retirementality: Planning Your Life and Living Your Dreams…at Any Age You Want, has spent decades helping people rethink retirement. He joins the show today to share a simple but deeply important message: retirement should not be the end of meaningful work. It should be a new season of purposeful living. Work as Worship One of the most powerful ways to rethink retirement begins with a biblical understanding of work itself. In Hebrew, the word avodah conveys both work and worship. That connection reminds us that work was never meant to be separate from our calling before God. Work, at its best, is not merely labor. It is an opportunity to bring value to others and meaning to our own lives. That may happen through a career, but also through volunteering, mentoring, serving in the church, caring for family, teaching, consulting, creating, or encouraging others. Mitch defines work as “an engagement that brings value to others and meaning to you.” That broader definition helps us see that meaningful work is not limited to employment. It includes any faithful contribution that blesses others and reflects the gifts God has given us. Retirement Is Not a “Use By” Date Our culture often treats retirement as though people reach a certain age and are no longer needed. But that idea does not reflect biblical wisdom. Human beings are not products with expiration dates. We are image-bearers of God, created with gifts, experience, wisdom, and calling. While the pace or form of our work may change with age, our purpose does not disappear. That does not mean everyone should work a traditional job until the end of life. Rest matters. Enjoyment matters. Slowing down may be wise and necessary. But the question is not simply, “When can I stop working?” A better question is, “How can I continue bringing value to others in this season of life?” The Problem With Leisure Alone Many people imagine retirement as a permanent vacation. After decades of work, they look forward to golf, travel, hobbies, and relaxation. Those can all be good gifts from God. But leisure alone cannot carry the weight of a meaningful life. Mitch points out that there are diminishing returns to leisure. When recreation becomes the whole purpose of life, it often loses its joy. What once felt refreshing can begin to feel repetitive. The goal is not to choose between vacation and vocation. The goal is a healthy rhythm of both. Rest gives energy to our calling, and meaningful contribution makes rest more enjoyable. The Non-Financial Challenges of Retirement Most retirement planning focuses on money: savings, income, investments, Social Security, taxes, and health care costs. Those are important. But they are not the whole story. Retirement also brings significant non-financial challenges. People may struggle with identity, routine, mental engagement, relationships, and a sense of usefulness. For someone who has spent decades in a profession, stepping away can raise painful questions: Who am I now? What do I do with my time? Where am I needed? Mitch also notes that intellectual challenge matters. When people stop engaging their minds, solving problems, learning, and contributing, they may begin to feel themselves slowing down. Staying mentally and relationally engaged is an important part of a healthy retirement. Created for Good Works For Christians, the conversation about retirement must include Ephesians 2:10, which says, “For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” There is no retirement clause in that verse. God created His people for good works—not as a way to earn salvation, but as the fruit of His grace in our lives. Those good works may look different in each season, but they remain part of our calling. Retirement may change your schedule, income, title, or responsibilities. But it does not change the truth that you belong to Christ and have been gifted to serve others. Finding Purpose in a New Season For those entering retirement or already in it, the key is to ask better questions. What gifts has God given me? What knowledge and experience have I gained? Who could benefit from what I know? Where can I bring value to others? What kind of work still gives meaning rather than simply draining me? Those questions can open the door to mentoring younger professionals, serving in ministry, helping nonprofits, teaching a class, encouraging families, offering practical wisdom, or simply being more present to people who need care. Purpose in retirement does not have to be grand or public. Faithfulness often looks ordinary. But ordinary service, offered to God, can be deeply meaningful. A Better Vision for Retirement Retirement is not the end of usefulness. It is not a retreat from calling. And it is not merely a reward for decades of labor. For the follower of Christ, retirement can be a season of renewed purpose—a time to live with wisdom, generosity, rest, and meaningful contribution. The goal is not simply to have enough money to stop working. The goal is to steward the life God has given you for His glory and the good of others. Your career may end. Your title may change. Your pace may slow. But your purpose in Christ remains. On Today’s Program, Rob Answers Listener Questions: My husband died eight months ago without a will in New York. The state says his assets should be divided between his children and me from a previous relationship, even though they never contributed to our finances or home. My name wasn’t on his bank accounts or the house. Is there any legal way to petition the court and argue that the inheritance should go entirely to me? I’m 53 and started contributing to my employer’s 401(k) a little over two years ago. It’s my only retirement savings, and I’ve been contributing pre-tax based on the idea that I may be in a lower tax bracket in retirement. Now I have about $22,000 saved. Given my age and limited time to contribute, should I keep contributing pre-tax or switch some or all of my contributions to Roth? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) The New Retirementality: Planning Your Life and Living Your Dreams...at Any Age You Want by Mitch Anthony Retirement Planning That Works by Mitch Anthony (Article in Faithful Steward, Issue 5) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
  8. Where Should You Keep Your Emergency Fund?

    MAY 18

    Where Should You Keep Your Emergency Fund?

    An emergency fund can be the difference between a financial setback and a financial crisis—but only if it’s built the right way. Most people know they should have money set aside for emergencies. But many aren’t sure how much to save, what actually counts as an emergency, or where to keep that money. Those are important questions, because an emergency fund is not just another savings goal. It is a key part of wise financial stewardship. What Is an Emergency Fund? An emergency fund is money set aside for unexpected, significant financial disruptions. Those two words matter: unexpected and significant. This is not money for routine expenses, planned purchases, or occasional wants. It is reserved for the kinds of situations that can suddenly shake your financial life—job loss, a major medical need, a significant car repair, an urgent home repair, or another event that interrupts your income or requires a large amount of cash. In that sense, an emergency fund acts like a financial shock absorber. When something unexpected happens, it helps keep a difficult situation from turning into debt, panic, or financial chaos. Without an emergency fund, many people are forced to rely on credit cards or loans during hard times. But with one in place, you create stability and breathing room when uncertainty comes. How Much Should You Save? A helpful rule of thumb is to keep three to six months of living expenses in your emergency fund. That means enough to cover essential expenses such as housing, food, utilities, insurance, transportation, and other necessary costs. For example, if your household needs $5,000 per month to cover basic expenses, a fully funded emergency fund would typically range from $15,000 to $30,000. Where you land in that range depends on your situation. If your income is stable and predictable, three months may be enough. But if your income fluctuates, if you’re self-employed, or if you simply want additional peace of mind, six months—or even a little more—may be appropriate. The goal is not perfection. The goal is preparedness. Is Saving for Emergencies a Lack of Faith? Some Christians may wonder whether saving for emergencies reflects a lack of trust in God. But Scripture encourages wise preparation. Proverbs 6:6–8 says, “Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant is not anxiously trying to control the future. It is wisely preparing for what may come. That is the posture we want to take with our finances. An emergency fund is not about pretending we can control tomorrow. It is about stewarding today’s resources wisely so that when tomorrow brings challenges, we are not forced into panic or unnecessary debt. Planning and trusting God are not opposites. In many cases, wise planning is an expression of faithful stewardship. Where Should You Keep Your Emergency Fund? Once you decide how much to save, the next question is where to keep it. This is where many people get tripped up. While an emergency fund should grow over time, it is not meant to be invested like a retirement account. Why? Because investments such as stocks and mutual funds fluctuate. If the market drops at the exact moment you need the money, your safety net may suddenly be smaller than you expected. Likewise, locking emergency funds in a certificate of deposit can limit your access. If you need to withdraw early, you may face penalties or lose interest. An emergency fund has two primary goals: safety and accessibility. You want the money protected and accessible quickly when a real need arises. That’s why many financial advisors recommend keeping emergency funds in accounts such as high-yield savings accounts or money market accounts. These allow your money to earn a competitive rate while remaining liquid and accessible. They are also typically insured, helping protect your savings while they earn a modest return without taking unnecessary risk. A Banking Option Worth Considering This is where our friends at Christian Community Credit Union (CCCU) come in. They recently merged with AdelFi to form AdelFi Christian Banking, creating even more opportunities for believers to align their banking with their faith. Right now, AdelFi offers a high-yield money market account that may be a good fit for an emergency fund. With this account, you can earn around 4% on balances up to $100,000, giving you both strong returns and the liquidity you need if an emergency arises. And when you bank with AdelFi, your deposits help fund ministry initiatives and Kingdom work around the world. For FaithFi listeners, there is also a special offer. When you open an account and use the code FAITHFI, you can receive up to a $400 bonus. To learn more, visit FaithFi.com/Banking. On Today’s Program, Rob Answers Listener Questions: I’m 68 and still working. I have about $50,000 in a 403(b) from a previous employer—part traditional, part Roth—and it’s my only retirement savings. My tax preparer suggested I stop contributing to the Roth and use the traditional side so I could withdraw about $10,000 a year later with less tax. Now I’m wondering: should I move the traditional portion into a Roth, and how would that work? I’m 67 and have a 401(k) through my current employer. I’d like to use about $25,000 from it to buy a car instead of taking out a loan. Am I allowed to do that, and would I need to check with my plan administrator to see whether my 401(k) permits it? I’m considering a reverse mortgage, but I’m confused. If I take one out, would I still own my home, or would the house belong to the lender? Also, could I use a reverse mortgage for only about a year? What requirements would I need to meet based on my current mortgage balance and my home's value? I’m receiving SSDI, and I’ve heard those benefits switch to regular Social Security at retirement age. Will that happen automatically at 62, 65, or another age? Also, once it switches to retirement benefits, will I be able to work and earn income without being penalized? I’m 71 and planning to use Qualified Charitable Distributions from my IRA to reduce taxes. Since my birthday is in August, when should I make those gifts—before my birthday or later in the year? And when is my Required Minimum Distribution calculated so the QCD counts properly? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) AdelFi | Christian Community Credit Union (CCCU) - AdelFi Christian Banking Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    25 min
4.9
out of 5
135 Ratings

About

Faith & Finance is a daily radio ministry of FaithFi, hosted by Rob West, CEO of Kingdom Advisors. At FaithFi, we help you integrate your faith and financial decisions for the glory of God. Our vision is that every Christian would see God as their ultimate treasure. Join Rob and expert guests as they give biblical wisdom for your financial journey and provide practical answers to your pressing financial questions. From budgeting and debt management to investing and stewardship, Faith & Finance equips listeners with insights to handle money wisely and live generously for God's Kingdom. Listen now or ask your question live by calling 800-525-7000 each weekday from 10-11 a.m. ET on American Family Radio and 4-5 p.m. ET on Moody Radio. You can learn more at FaithFi.com.

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