President Biden announced his student loan forgiveness plan, and many people have an opinion on the decision. On this episode, Art and Taylor talk with Dr. David Jones, a biblical financial ethicist, about how to view the government’s announcement through the lens of Scripture. Some of the questions answered:The Bible says, “the wicked borrows but does not pay back.” (Psalm 37:21) Did our government just force Americans to sin?Since Christians have been forgiven of their "debts," shouldn't they be the biggest fans of student loan forgiveness? What about the Year of Jubilee?Is it biblical unethical for a person to accept loan forgiveness?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

The usage of buy now, pay later services is rapidly growing. This is a problem. On this episode, Art talks with Ramsey Personality, George Kamel, about the financial dangers of these services and how to overcome the buy now, pay later temptation.Listener Question:Car prices are going crazy. Should I buy a car?How do I budget during times of inflation?Resources mentioned:The Money Challenge | Buy the book here: https://www.artrainer.com/the-money-challengeThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Should you keep a mortgage for tax savings? Many ask this question. On this episode, Art talks with Andy Hill about why paying off your mortgage is usually worth no longer having the tax deduction. Listener Question:Get a 10% return or pay off my 4% loan?Resources mentioned:Marriage, Kids, and Money | https://marriagekidsandmoney.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Christmas is the celebration of Jesus’s birth. Unfortunately, it is also a time when people can make some poor financial decisions. In this episode, Art provides five of the biggest money blunders he sees during the Christmas season.Notes:4 Principles of GivingGiving is to be a priority.Giving is to be done proportionately.Giving is to be done sacrificially.Giving is to be done cheerfully.5 Money BlundersTaking a vacation from your financial plan.Going into debt.Using buy now, pay later plans.Buying gifts that have long-term consequences on the budget.Wasting the last two weeks of the year.Resources:More Than Money Facebook Group | Join here! Christian Financial Counselor Program | Learn more here!Episode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here!

Employees forfeit approximately three billion dollars in Flexible Savings Account (FSA) contributions each year. According to the Employee Benefit Research Institute, 40% of employees give up some portion of their FSA contributions, losing approximately $300 to $400 dollars. For many employees, the FSA spending deadline is December 31st. If you still have money left in your FSA and are faced with a year-end deadline, now is the time to spend your FSA dollars.Notes:1. First aid items.2. Pain relievers.3. Sunscreen.4. Allergy relief medication.5. Medical devices.Resources:More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificateEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

A Financial State of the Union helps you understand your financial reality. And there is no better time to consider your financial reality than now. In this episode, Art and Taylor discuss the six parts to a Financial State of the Union.Notes:1. Review your generosity.2. Review your cash.3. Review your debt.4. Review your retirement.5. Review your net worth.6. Review your goals.Resources:More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificateEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you wondering how to experience financial freedom? In this episode, Art talks with Ron Kelley about the seven steps Ron recommends people consider taking, even during financially challenging times. Resources:More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificateEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Tammy Gipson and her husband were once in debt. Now, they are debt-free and living generously. In the inspiring episode, Art talks with Tammy about her financial and generosity journey.Resources:More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificateEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you familiar with dual enrollment? It can save you or your child a significant amount of money for college. In this episode, Art talks with Dr. Scott Pace about dual enrollment and its financial benefits. Resources:More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Do your finances feel out of control? Is every month a struggle? In this episode, Art and Taylor provide seven suggestions for getting control of your finances. Notes:1. Confess any wrongs to God.2. Change your mental intake.3. Get a plan.4. Set goals.5. Get a blueprint for mission.6. Automate everything.7. Get someone to hold you accountable. Episode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you wasting money? Many unknowingly waste hundreds of dollars every year. In this episode, Art walks through eight common ways people waste money. Plus, he answers a listener’s question about retirement account rollovers.Resources:The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challengeThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

If you haven’t noticed, things are pretty crazy in the automobile market. In this episode, Art discusses five shocking automobile purchase stats and answers a money question from a listener in Kenya. Resources:More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Hebrew 13:5 tells us to be content with what we have. In this episode, Art talks with Roy Vargas about his incredible financial journey and how to find real contentment. Resources:More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Do you have a question about 401(k)s? You are not alone. In this episode, Art and Jeremy Keil answer some of the most common 401(k) questions. Resources:More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Jennifer and her husband were hindered by debt. So, they decided to do something about it, getting rid of their debt and putting themselves in the financial position to adopt a child. Be inspired by Jennifer’s story, and learn from her experience.Resources:More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you getting the most out of your employer benefits? Are you paying for benefits you don’t need? In this episode, Art Rainer and Taylor Standridge are joined by Robby Scholes to discuss the secrets to maximize employer benefits. Resources:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

They Morvays paid off $46,000 in one year! This is an amazing story with some important lessons learned. Listen to it and be inspired to take the next step in your financial journey.Notes:Your Financial State of the Union:1. Review your generosity.2. Review your cash.3. Review your debt.4. Review your retirement.5. Review your net worth.6. Review your goalsEpisode #22: Your Financial State of the Union | https://churchanswers.com/podcasts/more-than-money/your-year-end-financial-state-of-the-union/Lessons learned:1. Trust the Lord during the entire process.2. Make a financial plan.3. Live within your budget.4. Walk in community.Episode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

God has designed married couples to operate as one. What happens when couples are not on the same financial page? In this episode, Art discusses some dangers couples could run into if they lack oneness in their finances. Notes:1. Potentially departing from God’s design for marriage.2. Increases the temptation for financial infidelity.3. Could create a “roommate “scenario.4. Reduces Kingdom impact. Listener question answered:I barely have any financial margin. What do I do?Should I buy a car?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

You can smell the new car scent from your house. Your neighbor has a new car, and you are jealous. In this episode, Art discusses why you should stop envying your neighbor’s car. Plus, he talks about how you can get your automobile sinking fund going today.Notes:1. The Bible tells us not to envy. 2. Keeping up with the Joneses is real.3. Cars are depreciating assets.4. Your neighbors probably used debt to get that car.Listener question answered:Should I use all my savings for as a down payment on a house?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

President Biden announced his student loan forgiveness plan, and many people have an opinion on the decision. On this episode, Art and Taylor talk with Dr. David Jones, a biblical financial ethicist, about how to view the government’s recent announcement through the lens of Scripture. Some of the questions answered:The Bible says, “the wicked borrows but does not pay back.” (Psalm 37:21) Did our government just force Americans to sin?Since Christians have been forgiven of their "debts," shouldn't they be the biggest fans of student loan forgiveness? What about the Year of Jubilee?Is it biblical unethical for a person to accept loan forgiveness?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode, Art and Taylor talk about the FIRE movement—Why some think it is unbiblical, and whether they’re right. Plus, they answer a listener question about investing instead of paying off a car loan.Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode, Art and Taylor ask Thom Rainer several listener questions about generosity, including questions about amounts to give, church benevolence, stewardship ministries, and more.Resources mentioned:Church Answers University | Learn more here: https://churchanswers.university/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Should you pay off your mortgage? Art discusses six reasons why he and his family paid off their mortgage.Notes:1. Return isn’t everything.2. Reduced interest paid.3. Increased cash flow.4. Increased peace of mind.5. One of retirement’s largest expense is eliminated.6. Increased capacity to live and give generously.Listener questions answered:Can I rollover my Traditional 403(b) into a Roth 403(b)?Also mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode, Art revisits his interview with Paul David Tripp about how Scripture shines a light on the real reasons we struggle with money, and why we don’t fix debt with a budget. Listener questions answered:When one adult child is a very poor money manager, what is the best way to set up a will so that an inheritance does not make the problem worse?Also mentioned:Redeeming Money | Buy the book here: https://www.amazon.com/Redeeming-Money-Reveals-Reorients-Hearts/dp/1433556731The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Are you still anti-crypto? Should my church take out a loan? In this episode, Art and Taylor answer these questions. Plus, they talk about how ridiculously hot it is in Texas right now. Listener questions answeredAre you still anti-crypto?Should my church take out a loan?NotesWhat the Bible teaches about debt:1. Be cautious about bringing a church into debt.2. If you do go into debt, your congregation will be burdened.3. Debt provides another opportunity to sin.Four questions to help you assess whether it is right to take on debt:1. Is the debt for a ministry need or want?2. Can we pay off the debt quickly?3. What is the budgetary impact?4. What are our other options?Money ChallengeBe thankful and strategic. Consider where you live and your primary mode of transportation. Write down five reasons you are thankful for each. Next, write down three ways you can leverage your residence and mode of transportation for God’s mission.Also mentioned: The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Average new car prices and new car payments are at an all-time high. How can someone afford to purchase a car these days? If this episode, Art shares his recommended steps for purchasing a car with cash.Listener questions answered:Our church budget is tight. Should I provide bonuses to staff instead of salary raises?Also mentioned: The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Pastors and ministers enter ministry for the mission, not the money. In this episode, Art answers some common questions pastors frequently ask, mostly relating to housing allowances. Listener questions answered:How much housing allowance should I take?Should I pay off my mortgage?Should I rollover my current retirement account over to another brokerage?Also mentioned:8 Money Milestones | Read them here: https://www.artrainer.com/8-money-milestonesThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

After a conversation with a financial counseling client, Art realized he needed to talk more about the 8 Money Milestones. In this episode Art walks through your guide to financial health for the sake of living generously.Notes:8 Money MilestonesMilestone 1: Start giving.Milestone 2: Save $1,500 for a minor emergency.Milestone 3: Max out your 401(k) or 403(b) match. Milestone 4: Pay off all debt except your mortgage.Milestone 5: Save 3 to 6 months of living expenses for a job-loss emergency.Milestone 6: Put 15% of your gross income to retirement.Milestone 7: Save for college or pay off your mortgage.Milestone 8: Live generously.Money Challenge: Determine where you are. Which Money Milestone are you on? Take a look at the Milestones to determine which ones you have completed and which one is your next financial goal.Resources mentioned:10 Small Ways to be Generous This Summer | Read here: https://www.artrainer.com/post/10-small-ways-to-be-generous-this-summerEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

A listener asks, “Is it okay for me to want more money and things?” On this episode, Art and Taylor dive into this question. Plus, Art and Taylor discuss some of their favorite More Than Money episodes.Notes:1. God owns everything. 2. We don’t deserve anything.3. Anything we have has been given to us by God.4. To some God gives much. To others he gives little. To all he requires stewardship.5. Contentment with possessions reflects a heart that’s content with God. Discontentment suggests a heart is searching for contentment outside of God.6. Limitations are often acts of God’s grace. 7. Possessions are not bad, but a heart that puts its hope in possessions is in trouble.Practical steps:1. Pray for contentment. 2. For the next month, daily identify 5 things for which you are grateful. 3. Stop looking up. 4. Stay away from social media accounts that unsettle your heart.Money Questions:Is it okay for me to want more money and things?What types of investments should I consider?Money Challenge: Build your contentment. Start writing down five things for which you are thankful. Try to do this for the next thirty days. Stay focused on what God has entrusted you with. Resources mentioned:MTM Episode 21: Redeeming Money with Paul David Tripp | Listen here: https://www.artrainer.com/podcast/episode/794355e9/episode-21-or-redeeming-money-or-guest-paul-david-trippEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

We are big on joint accounts for married couples. But is it okay for only one spouse to be on the mortgage? Art and Katie answer this listener question and another listener question about compensating church staff. Notes:Significant Changes Coming to Your Credit Report:1. Most medical debt will be removed from credit reports starting July 1, 2022.2. Buy now, pay later debt can start showing up on credit reports. 3. Emphasis on trended data.Money Questions:How can I better compensate my church staff?Is it okay for me not to include my wife on the mortgage?Money Challenge: Ask one of you church ministers if there is anything you can do for them. And then, if possible, serve them. Reflect God’s generosity to your church ministers this week.Resources mentioned:Significant Changes Coming to Your Credit Report | Read the blog here: https://www.artrainer.com/post/significant-changes-coming-to-your-credit-reportThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode, Art and Taylor consider a listener’s question about renting or buying in their new city. In addition, Art provides some suggestions for how to have a great staycation this summer. Notes:7 Ways to Ensure a Great Staycation1. Set objectives for your staycation. 2. Make a plan. 3. Take advantage of special events.4. Do something you’ve wanted to do for a while.5. Take a day trip.6. Spend more money on entertainment than food.7. Plan a few splurges.Money Questions:How can I stop paying so much for used cars?I’m moving to a new city. Should I rent or buy a home?Money Challenge: Review the 8 Money Milestones and note what Milestone you’re on. Now is a good time to get back to the fundamentals. Let the Milestones guide you on your journey to financial health for the sake of advancing God’s Kingdom.Resources mentioned:7 Ways to Ensure a Great Staycation | Read it here: https://www.artrainer.com/post/7-ways-to-ensure-a-great-staycationThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

In this episode, Art shares three surprising statistics and the lessons we can learn from them. Art also answers a listener question about buying a dog. Notes:More money will not fix bad money habits.Don’t let the market determine your financial decisions.Don’t buy what you can’t afford.Money Challenge: Research buy now, pay later offers. Get a better understanding of the financing strategy that’s starting to crush Gen Z. And educate others about it.Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

How can you make giving easier and more fun? In this episode, Art talks with author Bob Lotich about net worth, spending more on what you enjoy, and making giving easier. Plus, Art answers a couple of listener questions. Listener questions:Do you still recommend Greenlight for children?The market is tanking. Should I still invest?Resources mentioned:Simple Money, Rich Life | Buy it here: https://www.amazon.com/Simple-Money-Rich-Life-Financial/dp/0593193652The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

How does our faith influence our investing? Should you invest in vice or sin stocks? What about index funds with sin stocks in them? On this episode, Art talks with Dr. David Jones, a financial ethicist, about ethical investing.Resources mentioned:Health, Wealth, and Happiness | Buy it here: https://www.amazon.com/gp/product/B07175Q13Q/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i2The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challengeThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Money arguments are common in marriages. How can you and your spouse reduce these blow ups? In this episode, Art helps a listener think through this question. Notes:1. Remember God’s design for marriage.2. Acknowledge God didn’t entrust you with money to destroy your marriage.3. Place marital goals over financial goals. 4. Recognize money arguments may reveal some deeper issue in your marriage. 5. Understand each other’s money personality.6. Give your spouse the grace you give yourself.7. Go somewhere else to talk finances. Money Challenge—Join the More Than Money Facebook Group. Join a group of men and women just like you who are getting financially healthy for the sake of advancing God’s Kingdom. Resources mentioned: https://www.artrainer.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Financial infidelity is on the rise. How can you protect your marriage? In this episode, Art, Katie, and Taylor discuss three financial decisions married couples must avoid. Notes:Marriage Destroyer #1: Separate accounts.Marriage Destroyer #2: Secret accounts.Marriage Destroyer #3: Unilateral Decision-making.Money Challenge—Combine your accounts. If you are married, title all accounts in both names. In the event where joint ownership is not possible (like a retirement account), make sure both have access to the account. Resources mentioned: The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

You and your money were meant for more. In this episode, Art shares five teachings found in Scripture that positively alter your relationship with money. If taken seriously, these teaching can change everything.Notes:1. God owns everything.2. Stewardship is not about maintaining the status quo.3. For better or worse, money will shape you heart.4. The biblical patter of stewardship is: Give, Save, Live.5. Debt will mess you up.Listener questions answered:Should an elderly couple with adult children get a prenup?Resources mentioned: The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Have you been known to overspend? If so, this episode is for you! Overspending creates significant financial problems. On this episode, Art and Taylor talk about how to rein in your bad spending habits. Notes:1. Really believe that money management reflects heart management2. Consider the opportunity cost. 4. Create a blueprint for mission.5. Always make a list before you shop.6. Automate as much as possible. 7. If necessary, consider the envelope system.Resources mentioned:The Psychology of Money | Buy it here: https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Training and running a marathon provides many lessons that apply to our financial journeys. In this episode, Art talks about eight lessons he learned that will help you get financially healthy. Plus, Art answers a couple of listener questions.Notes:1. You need a why.2. You can’t just show up and expect to finish.3. You need a plan.4. Don’t underestimate the power of discipline.5. Avoid all unnecessary weight.6. You must believe you can reach your goal.7. Surround yourself with the right people.8. Be generous during the journey.Listener Question:I am about to graduate college. What should I do with my first paycheck?Art, my home value is ridiculously high. What do you think about taking advantage of the market and selling my house?Resources mentioned:Month-End Check Up (limited time only): https://www.artrainer.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Stop believing the lies! There are several lies that, if believed, will keep you from getting and remaining financially healthy and, ultimately, experiencing God’s design for your money. In this episode, Art and Taylor discuss five of the lies. Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

On this episode, Art and Katie discuss a question from a financially struggling teacher. She wonders if quitting her current job and jumping into a higher paying profession is the right move for her. Resources mentioned:Find More Money | Buy it here: https://www.artrainer.com/find-more-moneyThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

How does someone get and remain financially healthy? In this episode, Art and Taylor reveal five secrets of financially healthy people. Plus, Art talks about his recent marathon race…way too much. You will find yourself learning and laughing throughout this episode. Listener Question:My net worth is in the negative. I don't WANT to know exactly what it is because it is too depressing.Resources mentioned:Month-End Check Up (limited time only): https://www.artrainer.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

On this episode, Art and Taylor talk about a person’s net worth—what it is, how to calculate it, and how to increase it. Plus, they answer a listener question about selling a car in this crazy automobile market. Listener question:I have a 2018 Honda Pilot that I bought in late 2019. Right now, I can sell my car at a profit. Should I take advantage of this, or should I just hold on to the car? Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Student loan repayment starts back up on May 1. Are you ready? In this episode, Art gets you prepared for your student loan payment. Listener Question:Should I buy a home in this crazy market?Resources mentioned:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

The financial world is a little crazy right now. The stock market has been down while inflation has been up. Let’s not even start talking about gas prices. What are we to do? In this episode, Art discusses how to avoid making emotionally driven investment decisions and how to budget during times of inflation.Listener Question:When is it okay for me to purchase a luxury item?Resources mentioned:Giving Together | Buy the book here: https://www.gospelpatrons.org/books/giving-togetherThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

God has designed you for generosity. In this episode, Art talks with John Rinehart of Gospel Patrons about giving as a community. Plus, Art answers a few listener questions, like “Is saving for retirement hoarding?”Listener Question:Is Saving for Retirement Hoarding?Should I tithe off gross or net income?Resources mentioned:Giving Together | Buy the book here: https://www.gospelpatrons.org/books/giving-togetherThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Should you keep a mortgage for tax savings? Many ask this question. On this episode, Art talks with Andy Hill about why paying off your mortgage is usually worth no longer having the tax deduction. Listener Question:Get a 10% return or pay off my 4% loan?Resources mentioned:Marriage, Kids, and Money | Visit Andy's website here: https://marriagekidsandmoney.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/

The usage of buy now, pay later services is rapidly growing. This is a problem. On this episode, Art talks with Ramsey Personality, George Kamel, about the financial dangers of these services and how to overcome the buy now, pay later temptation.Listener Question:Car prices are going crazy. Should I buy a car?How do I budget during times of inflation?Resources mentioned:The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challengeFind More Money | Buy it here: https://www.artrainer.com/find-more-moneyThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode 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. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/