2024 is almost here! In this episode, we talk about identifying the missions you will chase this coming year and how to ensure you don’t waste your FSA dollars before December 31.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

It is time to do your Financial State of the Union! In what has become an annual tradition, Matt Morvay joins Art to tell his inspiring story and talk about the Financial State of the Union. Art and Matt also answer a question from a wife who wants to build financial unity in her marriage. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

In this episode, Art Rainer addresses two listener questions: one on the fundamental keys to financial health and another on Bitcoin. Join us for practical insights and guidance on improving your financial situation and a quick, fun discission about Bitcoin.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Should you purchase and Airbnb property before paying off credit card balances and car loans? A listener wants to know. This question, alongside three others covering rental properties, health insurance, and mortgage payoffs, is addressed by Art in today's episode.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

What aspirations do you have that advance your God’s Kingdom? Could your vehicle potentially hinder your pursuit of these dreams? In this episode, Art redefines the concept of a dream car and outlines five steps to steer yourself towards achieving it.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

December spending often leads to increased debt in the upcoming year for numerous individuals and couples. In this episode, Art provides 6 smart money moves to make, including debt avoidance. Seize this month’s opportunity to enhance your financial well-being and amplify your capacity for generosity.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

It’s that time of the year—time for housing allowance preparation. In this episode, Art walks through some important facts and strategies that can help ministers maximize their housing allowance. Plus, Art answers a listener question about parsonages.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Can my baby really start saving for retirement with a Roth IRA? We have two Roth IRA questions in this episode. One is about a Custodial IRA, and the other is about using a Roth IRA for college expenses. Plus, we introduce the “A Generous December’ calendar!Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Black Friday is upon us! In this episode, Art provides five tips for navigating Black Friday. Plus, he answers three listener questions, including one about financial counseling. Are you wanting to avoid debt this holiday season? Don’t miss this episode.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Eventually, you must learn some hard financial truths. If you don’t, learn these truths, they will continue to cause you financial pain. Don’t worry, this episode will not make you feel bad about yourself. In fact, you may be inspired to take that next in your finances. Resources:Find a Certified Christian Financial CounselorCertified Christian Financial Counselor ProgramMoney in the Light of Eternity

Some recent statistic about American consumer debt were recently released. In this episode, Art shares the data and provides his thoughts on the numbers. Art also talks about how to prepare your finances turbulent times. Resources:Find a Certified Christian Financial CounselorCertified Christian Financial Counselor ProgramMoney in the Light of Eternity

Are you looking for a new budgeting app to help you stay on track? We have good news for you. FaithFi has an incredible budgeting app that can meet your budgeting needs. In this episode, Art talks with Chad Clark from FaithFi about the heart of their company and their budgeting app.Resources:FaithFiCertified Christian Financial Counselor programMoney in the Light of Eternity

Are you a Spender married to a Saver? Are you a Saver married to a Spender? Do you experience conflict over money in your relationship? This episode is for you. In this episode, Art discusses the Saver and Spender money personalities and provides how they can work together as a married couple. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Between work, kids, and church, life can get busy. Unfortunately, money management often takes a back seat during the busyness. How can you manage your money well when things are a little crazy? In this episode, Art provides 8 must-know money tips for busy families. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

November is here, and it is the perfect month to make a few smart money moves. In this episode, Art encourages you to pray about your finances, wrap up your holiday spending plan, enroll in your employee benefits, determine you 2024 housing allowance number, and let generosity flow from gratitude. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Do you need to become for mindful about money? Sometimes, the presence of financial struggles is caused by the absence of mindfulness. Nurturing a conscientious approach to your finances can help you better steward the financial resources God has entrusted to you. To get you started, Art provides eight money questions to ask yourself every week. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Is getting a used, older car really a smart money move? What about potential repairs. On this episode, Art discusses a recent statistic on subprime auto borrowers and why buying a used car with cash is a great decision.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

We received a different kind of money question for this episode. A woman’s boyfriend is wanting her to develop some better financial habits before he proposes. Understandably, she has a few questions about the situation.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

67% of American do not have an estate plan. In this episode, Art talks about two things that every household must have—an emergency binder and a will. Art walks through both tools and answers a More Than Money Facebook Group member’s question about Money Milestone 6.Resources:Money in the Light of EternityEssential Emergency BinderFree Resources from Christian Money SolutionsAsk a Money Question!

Is saving for the future biblical, or does it indicate a lack of trust in God’s provision? In this episode, Art discusses the difference between hoarding and wisely saving for the future. Plus, he answers a More Than Money Facebook group member’s question about where to put his emergency fund. Resources: Money in the Light of Eternity Free Resources from Christian Money Solutions Ask a Money Question!

35% of Americans took on debt to pay for their holiday purchases last year. We don’t want that for you. In January, we want you to be filled with great Christmas memories, not great spending. In this episode, Art discusses how to tackle Christmas expenses with the gift of budgeting. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

A minister finds himself desiring to buy a house, but his salary makes it difficult. What should he do? Another listener wants to know if he should take out a $500 loan to help pay for a car. Art answers both questions on this episode. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

It’s officially October and time to make some smart money moves. In this episode, Art provides five money moves to make this month and answers a listener question from a nanny who has maxed out her Roth IRA and is looking for another way to save for retirement. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Should you put your undergraduate student loan payments on pause while taking graduate courses? What is the best option for college savings? In this episode, Art answer some money questions from an event in Mobile, Alabama. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Can you be generous to a fault? Art was at Redemption Church in Mobile, Alabama where they held a live money Q&A. In this episode, Art answers some of the missed questions from that event, including one from someone who says they are generous to a fault. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

How do people get debt-free? How do they stay debt-free? If you are wanting to know what debt-free people do, this episode is for you. In this episode, Art shares ten secrets of debt-free people. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

When should you start saving for a down payment on a home? In this episode, Art answers a listener’s questions about when and how to save for a down payment while walking through the 8 Money Milestones.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

A long-time More Than Money listener is concerned about the economy and wonders if increasing his emergency fund instead of paying off his car loan is the wiser move. In this episode, Art walks everyone through the 8 Money Milestones and answers the listener’s question.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Sinking funds are a gamechanger for your financial health. In this episode, Art talks all things sinking funds—what are they, and how do you set them up? By the end of the episode you will be ready to implement this game changing strategy for your finances. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Being mortgage-free is an incredible accomplishment. After all, it is Money Milestone 7. We want you to find yourself in a place where you no longer have a house payment. But should you use your emergency fund to pay off your mortgage? Art answers that question in today’s episode. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Cooler weather. College football. PSL. The signs of fall are starting to appear. What should you be doing with your money over the next few months? In this episode, Art provides 5 must-ask questions for the fall.Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

A listener has lost their tech job, and he is concerned. What steps should he take next? In this episode, Art provides some guidance for him and others who find themselves in a similar situation. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

Does your heart long to be a part of something greater than yourself? God’s most ambitious mission is ready for you to join. In this special episode, Art shares from his new book, “Money in the Light of Eternity.” When you follow God’s design for your life, you will find what no large bank account, big house, or fast car can provide. You will find your true heart. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

A car lease is bad news for financial health. In this episode, a listener asks Art to talk her out of getting a car lease. Art does his best by explaining how a car lease works, why people get them, and why she should avoid them.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

The costs associated with homeownership go way beyond the mortgage payment. In this episode, Art talks about some of those expenses they don’t tell you about. Plus, Art answers a listener question about whether a 20% down payment is really necessary. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

God has designed married couples to be one in all areas, including their finances. What does a husband or wife do when their spouse just doesn’t care about the household finances? Art answers that question in this More Than Money episode. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

We have a long way to go and a short time to get there in this episode! During this episode, Art cover 33 practical tips to help you take the next step on your financial journey. Notes:Pray about your finances.Automate your generosity.Make your church the first place of giving.Give to an organization that does something you care about in a place you pay attention to.Do your Financial State of the Union.Track net worth.Set realistic goals.Create a zero-based Blueprint for Mission.Know your essential expenses.Hunt down and eliminate unnecessary, regretful spending.Find a budgeting app that works for you.Use sinking funds.Automate your savings.Have an emergency fund.Use a HYSA for your emergency fund.Pay for cars with cash.Pay off credit cards every month.Get rid of credit cards if you have credit card debt or struggle to pay them off in full.Use the debt snowball to pay off debt.Make extra payments toward your mortgage.Put 15% of your gross income toward retirement.Maintain a diversified portfolio.Meet with a Kingdom Advisor for specific investment guidance.Pay attention to expense ratios.Don’t cheap out on insurance.Shop insurance rates.Use the DIME method for life insurance. Have an emergency binder.Have a will.Pray about your financial legacy.Have a monthly finance meeting with your spouse.Know your spouse’s money story and money personality.Place marital unity above your financial goals. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Is owning a home actually better than renting? There has been some debate over it recently. In this episode, Art provides the argument vs renting and homeownership an gives his thoughts on the matter. Plus, a listener is considering an adjustable-rate mortgage. Should he do it? Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Is retirement savings for those with higher incomes? Is it possible to save for retirement with limited income? In this episode, Art provides hope for those who are trying to save for retirement with modest earnings. Stop assuming you must have a high income to save for retirement.Don’t underestimate the importance of your 401(k).Create a plan.Stick to the plan.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

We want you to live more generously during your retirement years. In this episode, Art discusses four ways to retirement plans get derailed, or never even started. Leaving your 401k plan on autopilot.Not getting your company match.Not paying attention to expense ratios.Not adjusting your portfolio.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Welcome to August! In this episode, Art walk through some money moves you should consider this month.Take advantage of tax-free days for school supplies.Take advantage of the last month for no-interest student loans.Declutter.Prepare for insurance rates to go up.Celebrate National Financial Awareness Day accordingly.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

What is an ABLE account? In this episode, Art talks about ABLE accounts for the first time and answers a listener question about withdrawing money from a Roth IRA to pay off her debt.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Are you making some big financial mistakes? In this episode, Art covers some of the biggest financial mistakes he sees. Plus, Art answers a listener question about 401(k) withdrawals.Notes:Not giving.Not budgeting.Accumulating debt.Not having an emergency fund.Neglecting retirement savings.Impulse buying.Overlooking insurance needs.Ignoring investing.Not negotiating.Falling for get-rich-quick scheme.Not increasing financial literacy.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

You should be taking advantage of current high yields savings account rates right now. In this episode, Art provides the top high yield savings account rates for July.Notes:TotalDirectBank, 5.2%CFG Bank, 5.17%Western State Bank, 5.15%UFB Direct, 5.06%Popular Direct, 5.05%TAB Bank, 5.02%Vio Bank, 5.02%(via Investopedia.com) Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

A scarcity mindset is simply fearing there are not enough resources available. This can impact your finances and relationships in a significant way. I this episode, Art discusses 5 signs that you may have a scarcity mindset.Notes:You regularly worry about money.You never feel like you have enough.You aren't happy when others succeed.You feel that to improve your situation, someone else's situation must deteriorate.You constantly blame others for your situation.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Interest rates are higher, and the housing market is tight. Is now the right time to buy a house? In this episode, Art talks with Jordan Hall about the housing market and whether now is the right time to purchase a home. Resources:“What Does a Real Estate Agent Do, and Do I Really Need One?”Free Resources from Christian Money SolutionsAsk a Money Question!

This is for all the thrifty ministers out there! In this episode, Art provides six vacation spots where ministers can receive significant discounts. Ministers, you can take (and afford) a vacation!Notes:Quiet Waters Ministries (qwaters.org)Christian Hospitality Network (thechn.org)Elijah’s Harbor (elijahsharbor.com)Beulah Land Retreats (beulahlandretreats.org)Beside Still Waters (besidestillwaters.wordpress.com)Ridgecrest Conference Center (ridgecrestconferencecenter.com)Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

We are halfway through the year. How are things going? This is a great month for a check-up. In this episode, Art provides five smart money moves that you should consider making this month.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!