A MTM listener is trying to determine whether they need a financial advisor. In this episode, Art provides guidance regarding when to get a financial advisor and what to look for.Notes:Question #1: Are you a fiduciary?Question #2: Tell me about your qualifications.Question #3: How do you get paid?Question #4: Outside of your payment, what are my costs?Question #5: What services are included in the cost?Question #6: How does our relationship work?Question #7: What is included in your financial planning services?Question #8: What is your investment philosophy?Question #9: If I move everything over to you, are there tax ramifications?Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Stat overload! Do you find yourself desiring to live like everyone else? In this episode, Art shares a lot of financial health statistics that may make you rethink the standard you are chasing.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Do you have inconsistent income? This one is for you. In this episode, Art walks through how you can better plan irregular income and avoid debt. Notes:Establish a baseline and average monthly income.Establish base line and average monthly expenses.Build your baseline and average blueprint for mission.Set up a holding and operating accounts.Transfer baseline monthly amount from holding account to operating account. Save rest.Once you have average monthly income saved in the holding account, starting transferring average amount.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Have you found yourself in a position where your home is eating up a massive portion of your budget, where every dollar seems to go toward your home? In this episode, Art talks about what to do in this situation. Art also discusses how to leverage your home for God’s Kingdom.Notes:Assess the why.Make a Blueprint for Mission.Consider downsizing.Consider refinancing.Consider increasing income to pay down mortgage.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Let’s talk marriage and money. In this episode, Art hits on two big topics—joint accounts and prenups, what they communicate and whether a couple should or should not have them.Notes:What joint accounts can communicate:Joint accounts communicate “our money.”Join accounts communicate “our expenditures.”Joint accounts communicate transparency.Joint accounts communicate trust.Joint accounts communicate commitment.What prenups can communicate:There is distrust in the relationship.Someone thinks the marriage might not last.Someone is not all in.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Are you searching for a cheaper automobile to avoid an automobile loan? This episode is for you. In this packed episode, Art discusses the most and least reliable automobile brands, great cars under $10,000, and what to do if you are broke and need a car.Notes:2012 Toyota Camry2011 Honda Accord2013 Honda Civic2012 Toyota Corolla2013 Mazda 32013 Subaru Outback2010 Toyota Venza2014 Ford Fusion2014 Subaru Impreza2012 Volkswagen GTIResources:Free Resources from Christian Money SolutionsAsk a Money Question!

So, you’re ready to start saving for retirement. Great! In this episode, Art answers a common question, “Which should I do first, my 401(k) or a Roth IRA.” Art also discusses why getting the company match should take place before paying off debt.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

As parents, we want to raise our children to be generous, reflecting God’s generosity to others. In this episode, Art and Taylor discuss why we care about raising generous children and provide some generosity teaching tactics for parents. Notes:Use Give. Save. Live. jars.Allow them to give to the church or other areas of interest. Talk about the impact their generosity is having.Take advantage of holiday generosity initiatives.Teach them to give in ways that don’t involve money.Be their visual example of generosity. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

Welcome to warmer weather! It’s June and time for some smart money moves. In this episode, Art discusses five money moves that you should consider making this month.Notes:1. Pay attention to student loan news.2. Plan a no-spend, no-screen summer weekend.3. Give away unused items.4. If you are self-employed, pay your quarterly taxes (June 15) – Second payment5. Prepare for hurricane season.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

It looks like student loan payments will start back up soon. How did we get here, and what should you do next? Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Did your child recently graduate high school? They are about to face some harsh money realities. In this episode, Art provides five money realities that high graduates need to learn quickly. Notes:1. Your college money decisions will have post-college consequences.2. Generosity won’t magically begin when you make a certain amount of money.3. Debt will crush your dreams.4. Everything will not be okay.5. You are responsible for your financial decisions.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

You are ready to start your journey toward financial health for the sake of living and giving generously. Be careful with whom you surround yourself. In this episode, Art discusses the five people you need on your financial journey and the one to avoid.Notes:Your spouse (if you are married).The example.The cheerleader.The accountability partner.The spiritual mentor.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

A recent study revealed that 26% of adults do not have anything they can turn to for trusted financial guidance. On this episode, Art talks with Courtney Markley about her work as a Christian Financial Counselor.Resources:Free Resources from Christian Money SolutionsMarkley Coaching GroupAsk a Money Question!

Money Milestone 4 is to pay off all debt except for your mortgage, and we recommend using the debt snowball method. Should you include student loan in your debt snowball? And should you pay off your student loans before building your emergency fund or buying a home. Art and Taylor answer these questions.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Are you looking for a vacation destination that will leave you with memories and not debt? From San Diego to Great Wolf Lodge, Art and Taylor provide some top, budget-friendly summer vacation spots to consider. Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Gen Z has an amazing opportunity to get started on the right stewardship foot. What money moves will Gen Z regret not making? In this episode, Art and Taylor discuss six of them.Notes:Not learning about money and God’s design for it.Not having financial goals or a plan.Not having a Blueprint for Mission.Not willing to delay gratification. Not investing for retirement.Falling for the façade. Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

What money moves do you need to make in the month of May? Art and Taylor provide six smart money moves you won't regret making. Plus, they spend some time discussing artificial intelligence. Notes:Find a high-yield savings account.Use your tax refund to take another financial step.Prepare for student loan payments to resume. Calculate the net cost of attendance for your child’s college options.Review your life insurance policy death benefit.Make sure you are ready for summer.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Do money worries keep you up at night? Do you find yourself anxious about money? In this episode, Art talks with his wife, Dr. Sarah Rainer, about how to address money anxiety through the lens of Scripture.Notes:Raleigh KidsFree Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

A recent study showed that 74% of managers say Gen Z is more difficult to work with than other generations. Almost one-third said they had fired a Gen Z employee within 30 days. Here are some suggestions on how Gen Z can avoid getting fired. Notes:View work through a biblical lens.Show up on time and be reliable.Be proactive and take initiative.Set the phone down, listen, and ask questions.Be respectful.Be willing to receive feedback.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Looking for your forever home? Be careful. It may become a burden instead of a blessing. In this episode Art walks through with homebuying process and warns us about buying a “forever home.”Notes:6 Steps for Buying a Home:Step 1: Determine your budget and get pre-approvedStep 2: Start house hunting.Step 3: Make an offer.Step 4: Get a home inspection.Step 5: Appraisal.Step 6: Close the sale.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

A recent study demonstrated that Millennials’ debt situation has grown faster than other generations. In this episode, Art and Taylor talk about the financial and emotional impact this may be having on Millennials and what Millennials can do about it. Notes:Lean into God and get a plan.Ask for forgiveness and take a step forward.Meet with a CertCFC.Go to war.Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

What books made the team? Art and Taylor put together their team of favorite money books. And we want to know who you think put together the better team, and what books were left out.Taylor’s team:Redeeming MoneyTreasure PrincipleWhen Helping HurtsTotal Money MakeoverMoney, Debt, and FinancesArt’s team:Gospel PatronsGod and MoneyThe Millionaire Next DoorThe Psychology of MoneyMaster Your MoneyResources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

This episode was a fun group effort from those on our social media platforms. In this episode, our listeners provide some unwise ways to spend a tax refund and some smart ways to spend those dollars. Resources:Free Resources from Christian Money SolutionsMore Than Money Facebook GroupAsk a Money Question!

Should a parent leave equal inheritances for each child? Jim Wise, author of Inheritolatry, discusses with Art about what the Bible says regarding this and other important issue relating to estate planning. Notes:Inequality is permitted.Requests are acceptable.Limitations are prudent.Responsibility is required.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!Inheritolatry by Jim Wise

What money moves should you make this month? Hint: Taxes are due! In this episode, Art and Taylor discuss five smart money moves to make in April. Plus, they discuss the improbable win by Taylor in the MTM Bracket Challenge. Notes:Seriously, pay your taxes.Do some financial spring cleaning.Don’t waste your tax refund.Celebrate Financial Literacy Month accordingly.Reflect Christ’s sacrificial generosity.Resources:Free Resources from Christian Money SolutionsAsk a Money Question!Should Christians Give to the Homeless Man on the Corner? Money and Ethics

Are you tired? Your lack of sleep may be impacting your finances. In this episode, Art and Taylor encourage you to get some sleep so you will spend less and make more.Notes:A lack of sleep makes you feel worse about yourself.A lack of sleep leads to a lack of discipline.A lack of sleep can lead to increased spending.Increased sleep can lead to making more money.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

Do you want to be more intentional with your generosity? In this episode, Art and Taylor discuss some practices of intentional givers. Listen and take a step toward becoming a more intentional giver. Notes:Intentionally generous people are in control of their finances.Intentionally generous people follow the biblical pattern of: Give generously, Save wisely, and live appropriately.Intentionally generous people understand how God uses their resource to impact others.Intentionally generous people have a plan for their generosity.Intentionally generous people automate their generosity.Intentionally generous people keep track of their generosity.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

As parents know, college is expensive. So, what is the best way to save for college? In this episode Art and Taylor talk about their favorite college savings tool, the 529 Plan. Notes:Take care of your finances first before taking care of your children’s finances.More than likely, you will need some type of investment account to save for college.A 529 Plan is usually a great option for parents.You need to set a savings goal.Resources:FDIC EstimatorChristianMoneySolutions.comCertified Christian Financial Counselor

Do you agree with how the government spends your tax dollars? Most have some disagreement with their use. But what about when you feel the dollars are going toward something unbiblical? In this episode, Art talks with financial ethicist, David Jones about whether it is okay for Christians to skip taxes when they disagree with their use.Resources:Should Christians Give to the Homeless Man on the Street Corner?RedeemedMind.comChristianMoneySolutions.comCertified Christian Financial Counselor

A listener wants to know if it is better to put a lump sum into his Roth IRA at the beginning or end of the year. Art’s answer becomes, not just about Roth IRAs, but emergency funds as well. Notes:Your emergency fund should be a relatively stagnant number.Removing money from your emergency fund should be for emergency purposes only.We recommend putting 15% of your gross income toward retirement every time you get paid.If you have a lump sum, it is usually best to invest at one time instead of spreading it out.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

There are a lot of concerns surrounding banks and FDIC coverage. In this episode, Art and Taylor walk through what happened with Silicon Valley Bank and whether you should be worried about your bank. Plus, they help you determine whether your deposits are covered by the FDIC. Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

Andrew McNair was after one thing—riches. But then God got a hold of him. Now, he has a new perspective on money and helps others live generously. In this episode, Art talks to Andrew about his story, and answers a money question about church debt.Resources:More Than Money Bracket ChallengeTithe: A Living TestimonyChristianMoneySolutions.comCertified Christian Financial Counselor

Over 60% of Americans are living paycheck-to-paycheck. Needless to say, most Americans need to find ways to increase their financial margin. In this episode, Art and Taylor discuss four different strategies to do just that. Notes:Strategy 1#: Decrease variable expenses.Strategy #2: Eliminate debt.Strategy #3: Downsize your automobile.Strategy #4: Get a side gig.Resources:ChristianMoneySolutions.comCertified Christian Financial CounselorFind More Money10 of the Best Money-Making Apps10 Best Money-Making Apps

On average, Americans change jobs twelve times during their lifetime. If you are leaving an employer, what should you do with your 401(k)? In this episode, David Sandhu joins Art to discuss four options for your old 401(k).Notes:Option 1: Cash out.Option 2: Do nothing.Option 3: Roll it over to a new 401(k) account.Option 4: Roll it over to an IRA.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

What should you be doing this month? In this episode, Art and Taylor provide some smart money moves you should be making in March and answer a listener’s question about Money Milestone 6. Notes:Finish your taxes.Submit for FSA reimbursements.Plan your summer activities.Ask God to reveal any area of your finances that is not surrendered to Him.Resources:6 Smart Ways to Spend Your FSA Dollars Before They Disappear7 Surprising Items You Can Buy with Your FSA DollarsChristianMoneySolutions.comCertified Christian Financial Counselor

Do you find yourself constantly chasing the standard of living supposedly experienced by your neighbors and Facebook friends? Well, everything might not be as it seems with your friends. In this episode, Art shares seven stats that will make you rethink your chase.Half of millennial and Gen Z respondents have gone into debt for summer travel.35% of Americans took on holiday debt.Average credit card interest rate is at 20.4%The average price of a new car is $50,000.6 in 10 of Americans live paycheck to paycheck.6 in 10 Americans do not have $500 set aside for an emergency.Serious credit card delinquencies rose to 4%.25% of Americans don’t have anyone to whom they can got to for trusted financial guidance.Resources:What Is The Average Credit Card Interest Rate This Week? February 21, 2023Average Holiday Debt Nears $1,550, Highest in LendingTree Survey’s 8-Year HistoryChristianMoneySolutions.comCertified Christian Financial Counselor

The retirement years are looking different than they did for prior generations. In this episode, Art walks through a recent report that identified five major forces that are starting to shape current and future retirement years. Resources:Longevity and the New Journey of RetirementChristianMoneySolutions.comCertified Christian Financial Counselor

It can take a while to save for a house purchase’s down payment. So, when should you start saving for one? In this episode, Art and Taylor discuss the ideal time to start setting aside money for your next home purchase.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

We keep talking about the CertCFC program. What in the world is it, and is it right for you? In this episode Art and Taylor talk about the program, and Taylor shares what he likes (and doesn’t like) about the program.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

Pay off my mortgage early? You are kidding, right? We’re not. In this episode, Art talks with Ramsey Personality, George Kamel, about how he paid off his mortgage early.Resources:ChristianMoneySolutions.comCertified Christian Financial Counselor

What better way to celebrate Valentine’s Day than to have a budgeting conversation with your spouse? In this episode, Sarah Rainer joins Art to talk about creating a budget that builds marital unity, not division. Plus, you learn about one of Art’s financial flaws (he has them!). Resources:Raleigh KidsChristianMoneySolutions.comEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

The recently signed SECURE Act 2.0 was created to significantly improve retirement savings options. But it didn’t just impact retirement accounts. If you are a parent with kids going college, you will want to listen to this episode. David Sandhu, a rocket scientist turned financial advisor, joins Art to discuss the implications for 529 Plans.Resources:ChristianMoneySolutions.comEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

For many, February is that cold month that you just must get through. This episode will encourage you not to waste this month, but instead, use it to better your financial health and consider something fun, like your next vacation!Resources:ChristianMoneySolutions.comEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

God is using regular men and women to reach the lost around the world. In this episode, Art has an inspirational conversation with Chris Winkler of Wycliffe Bible Translators. This episode will motivate you to get financially healthy for the sake of advancing God’s Kingdom.Resources:ChristianMoneySolutions.comWycliffe.orgEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

We are about to wrap up the first month of 2023, and we want you to finish what you started this year. In this episode, Art and Taylor discuss six things that can derail your finances this year. Listen, enjoy, and stay on track in 2023. Forgetting your “Why.”Not having a budget. Keeping up with the Joneses. Immediate gratification. Not being a part of a community. Not being tied to the Vine.Resources:ChristianMoneySolutions.com Free WebinarEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

A financial blueprint (also known as a budget) is an essential tool to get you financially healthy and to better leverage your resources for the advancement of God’s Kingdom. In this episode, Art and Taylor provide five questions you should ask when building your financial budget. Ask these questions when building your financial blueprint: Have I prayed about my budget?Does my budget reflect Gods mission?Does my budget help me reach my financial goals?Does my budget reflect what I value?Will my budget draw me closer to God?DIME Method:Debt.Income (10x to 12x).Mortgage.Education ($100k for every child).Resources:More Than Money Facebook GroupChristian Financial Counselor ProgramEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

Money Milestone 2 is to save $1,500 for a minor emergency. Knock it out in thirty days with these five suggestions from Art.Notes:1. Eliminate unused subscription services.2. Sell stuff.3. Don’t eat out for 30 days.4. Get a side gig.5. Build a budget.Resources:More Than Money Facebook GroupChristian Financial Counselor ProgramEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.

In this episode, Art shares some suggestions that can help you have a financially healthy and generous year. Plus, Art answers a listener question about their church’s debt.Notes:Develop a Kingdom vision for your finances.Identify where you want to give this year.Determine to learn more about money this year.Set twelve-week goals.Automate everything.Resources:More Than Money Facebook GroupChristian Financial Counselor ProgramEpisode Sponsor:Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.