Over the coming decades, women will steward a majority of the wealth being passed from one generation to the next. For many, that responsibility will arrive suddenly—during seasons of grief, transition, or new beginnings. Yet within that shift lies a remarkable opportunity for wise and faithful stewardship. Sharon Epps, President of Kingdom Advisors and cofounder of Women Doing Well, joins us on today’s show to share what she has learned after spending years studying this moment and walking alongside women as they step into it. A Quiet but Significant Shift Today, research consistently shows that women are inheriting a large portion of generational wealth. One primary reason is longevity—women often outlive their spouses by several years, placing financial responsibility squarely on their shoulders. In fact, nearly 95% of women will become the primary financial decision-maker at some point in their lives. Many step into that role unexpectedly, often while navigating grief, life transitions, or new responsibilities. The result is a profound shift happening quietly across generations—one with real implications for confidence, stewardship, and generosity. When Women Doing Well surveyed more than 7,300 Christian women—the largest study of its kind—one insight stood out: only about 6% felt confident or equipped to manage the resources God had entrusted to them. The issue wasn’t a lack of desire. It was a lack of clarity, confidence, and inclusion in financial conversations. Many women had the responsibility, but not the preparation. That gap can feel overwhelming, especially when decisions arrive suddenly. Generosity Is Already There One of the most encouraging discoveries from the research was this: Christian women are already remarkably generous. They give more of their time and money than many of their peers. The desire to live generously is not something that needs to be created—it’s already present. What many women want isn’t simply to give more, but to give well. The opportunity is to help generosity grow from clarity and confidence rather than from fear or obligation. A strong correlation emerged between biblical understanding and generosity. The more women understood stewardship—recognizing God as the Owner and themselves as managers—the more purpose-driven their giving became. Discipleship shifts generosity from pressure to purpose. It reminds us that giving is not a test to pass, but a response to God’s grace. From Overwhelm to Clarity: A Real Story One woman, whom we’ll call Clara, had always given generously. But after inheriting a significant sum of money, she felt pulled in every direction—“a dab here, a little there,” without a sense of impact. Through a process of discernment and clarity, she began narrowing her giving while increasing her investment in areas aligned with her calling. Her response captured the transformation: “You’ve given me the freedom to say no so I can say a better yes.” Clarity didn’t reduce her generosity—it deepened it. For many women, financial responsibility begins in the midst of grief. In those moments, wisdom matters. One helpful principle, often shared by trusted mentors, is this: avoid making drastic financial changes during the first year after a major loss. Decisions will need to be made, but there’s rarely a need to rush. It’s also vital to seek wise counsel. A trusted advisor who understands both financial realities and biblical stewardship can provide guidance, and bringing along a trusted friend or family member can offer needed perspective and emotional support. Finding Purpose Before Decisions Financial clarity often begins with personal clarity. Understanding how God has uniquely wired you—your experiences, passions, and calling—can shape how you steward resources. Many women find their generosity aligned with their life story: adoption, education, justice, poverty relief, or ministry areas where God has already been at work. Stewardship becomes more meaningful when it flows from identity and calling rather than obligation. When women gain clarity and confidence, measurable outcomes follow. Research shows that many increase both their financial giving and the time they invest in serving others. More importantly, they report greater peace, confidence, and joy. Generosity becomes a whole-life response—expressed through money, time, skills, and relationships. Generosity Without Pressure Growing in generosity doesn’t mean saying yes to everything. True generosity flows from identity in Christ, not guilt or pressure. When fear or obligation drives a decision, it can be a signal to pause and pray. God is at work in many lives, raising up different stewards for different purposes. Saying no in one place often allows for a more faithful yes elsewhere. For advisors serving women in transition, relationship matters as much as expertise. Listening before leading, offering small and practical next steps, and creating an environment that feels relational—not transactional—can make all the difference. Guidance that is clear, manageable, and compassionate helps women move forward with confidence. A Word to Women Stepping Into This Role If you find yourself feeling overwhelmed or uncertain, know this: you are not alone. Financial wisdom grows one step at a time. God has already been at work in your life, and the resources entrusted to you have purpose. Confidence develops through learning, community, and small acts of obedience. Stewardship is not a burden to carry alone—it can become an adventure of discovering how God wants to work through you. Some women have even formed giving circles, combining resources and discernment to support causes together. What began as uncertainty became what they now call “the adventure of giving.” If you’re navigating this transition or preparing for it, consider seeking guidance and community. Learn more about the work of Women Doing Well and resources for growing in clarity and confidence. You can also connect with a Certified Kingdom Advisor (CKA) who can provide biblically grounded financial counsel. The shift is already happening. And with it comes a profound opportunity—not just to manage wealth, but to steward it faithfully for God’s purposes. On Today’s Program, Rob Answers Listener Questions: As I prepare to buy a $400,000–$450,000 home—planning to put about 50% down and use a 15-year mortgage—what key questions should I ask lenders to secure the best rate and terms? Our Certified Kingdom Advisor recently left his firm to start his own practice. The current firm would charge about $1,000 in account-closure fees, but has offered to lower our management fee if we stay. Should we follow our advisor to his new firm or remain where we are, especially given the fees and our desire for biblically aligned investing? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner) Women Doing Well Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship 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.
