Did you know that there are companies out there that will pay for some or all of an individual’s college tuition? In this episode, Art shares thirteen of those companies. He also answer a couple of listener questions.Listener Question:Should I wait until the government pays off my student loans?Florida Prepaid or a 529 Plan?Resources mentioned:The Money Challenge for Teens | Buy it here: https://www.artrainer.com/the-money-challenge-for-teensThe 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/

What is God’s view on wealth? Why should I stop asking, “How much should I give?” Is it okay to decrease my giving? On this episode, author of God and Money, John Cortines, joins Art to help think through what God says about money.Listener Question:Is it okay for me to decrease my giving?Is there anything lost when someone gives online?Resources mentioned:God and Money | Buy it here: http://www.godandmoney.net/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 refinance your car loan? How can I achieve my goals for 2022? How much should I save for college? In this episode, Art answers several of your money questions. Listener Questions:How can I do a better job of keeping my New Year’s Resolutions this year?Do you have an opinion about refinancing car loans to a lower interest rate so that more goes to principal and gets paid off quicker?How much do I need to save for my kid’s college?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/

Money is the number one issue married couples argue about. In this episode, Art talks with Melissa and Murphey Stewart about their debt-free journey and how to get your spouse on board with eliminating debt. Notes:1. Discuss your “Why.”2. Have Weekly budget meetings.3. Have consistent communication.4. Have mini celebrations.Listener Question:When should I tell my boyfriend about my debt?My fiancé wants a prenup. Do you think this is a good idea? There is something about it that makes me uncomfortable.Resources mentioned:fitnfunds.comThe 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/

It is New Year’s Eve. We hope you had a wonderful 2021. This week, we are closing out 2021 by playing, some of our greatest hits from the past year. This episode is the fifth and final greatest hit. In the episode, Art talks with Dr. Thom Rainer about whether ministers should pay off their mortgage, knowing it will impact their housing allowance. Listener question answered:Are pastors required to take minimum distributions from their 403(b)?Notes:Housing Allowance for Ministers: Made Easy | Buy it here: https://www.amazon.com/Housing-Allowance-Ministers-Made-Easy/dp/1731052367The 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/

It’s almost New Years. This week, we are closing out 2021 by playing some of our greatest hits from the past year. This episode is the fourth of our greatest hits from 2021. It caught a lot of traction with our listeners. In the episode, Art and Robby Scholes discuss three financial tools you need to know. And they have some good laughs in it as well. Listener question answered:Question 1: Should I pay off debt or save for retirement first? Also, should I take from my retirement to pay off debt?Question 2: I am considering taking Social Security early at age 62. Can I also work full time?Notes:3 Reasons not to take money from your retirement:1. 10% penalty2. Ordinary income taxes3. Opportunity cost (compounding)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/

This week, we are closing out 2021 by playing some of our greatest hits from the past year. These are episodes that we and our listeners loved. One of the most faithful stewards we know is Dr. Chuck Lawless. He’s the real deal. And in this episode, Chuck talks about a few ways we could be terrible stewards. Listener Questions:Question 1: Should I buy a high quality, expensive item that will last a long time and take care of it, or should I buy cheap and just know it may not last?Question 2: My wife and I disagree on the amount we should give to our church. I like our current 10% of gross income. She wants to increase it to 15%. How do we resolve the difference?Additional Notes:Nobodies for Jesus: 14 Days Toward a Great Commission Lifestyle | Buy it here: https://chucklawless.com/books/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/

We are closing out 2021 by playing some of our greatest hits from the past year. And man, this one was a big episode. In this episode, Art asks Dr. David W. Jones, a financial ethicist, some common but difficult questions. Listener questions answered:Should I use the money to invest in the stock market or pay off my mortgage?Notes:8 Money Milestones | 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/

We are doing something different this week. We decided to close out 2021 with some of our greatest hits from the past year. So, from now until Friday, we will share with you one episode that we and the More Than Money listeners loved. This first greatest hit is the episode where Art interviews Jimmy and Kristin Scroggins about how to budget for a family of 10. Listener questions answered:Is it worth the effort trying to find a better rate on our Liquid Money Market account for our emergency fund? We currently earn .15% dividend rate with our credit union. Are we missing out on a significant advantage by keeping it with them?Do you tithe all money you receive? Examples being birthday, graduation, tax returns, etc.Notes:Full Circle Parenting: A Guide for Crucial Conversations | Buy it here: https://www.amazon.com/Full-Circle-Parenting-Crucial-Conversations/dp/1087713447The 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 need to know your financial reality, and we have the tool to help you do just that. On this episode Art talks with Matthew Morvay about the 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.Listener Question:What is the best company to open a brokerage account with?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/

Given the needs in the world, how should Christians think through their spending on material things? Is it okay for a Christian to have nice things, like a beach house? Dr. David W. Jones helps us consider questions like this.Notes:Is it okay for a Christian to buy a beach house?Is enjoying the material world sinful?Listener Question:Where should I give when I am in between churches?Resources mentioned:Every Good Thing: An Introduction to the Material World and the Common Good for Christians | Buy it here: https://www.amazon.com/Every-Good-Thing-Introduction-Christians/dp/1577997018RedeemedMind.comThe 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 has a conversation with David Wilson, a debt-free college graduate who was featured in the documentary, Borrowed Future. David tells how he avoided student loan debt through a little creativity. Plus, Art answers a couple of listener questions. Resources mentioned:Borrowed Future | Watch the documentary here: https://www.ramseysolutions.com/shows/borrowed-future-documentarysavingforcollege.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 has a conversation with Derrick Kinney of Good Money Framework about his money story, new book, and how to use money for the advancement of God’s Kingdom. Notes:The Good Money Revolution by Derrick Kinney | Pre-order here: https://www.amazon.com/Good-Money-Revolution-Make-More/dp/1637630174The 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 discusses online giving with the founder of SecureGive, Marty Baker. Plus, Art and Taylor answer a question about whether it is okay to postpone giving until someone gets out of a financial mess. Listener question answered:1. Should I automate my giving? Is there anything that a person misses out on spiritually when they give online?2. I am in a very difficult financial place. I made some bad purchases and now I owe a significant amount of money. Is it okay to postpone my giving until I get out of my mess?Notes: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/

Debt free people are creatures of habit. In this episode, Talaat McNeely comes on MTM to discuss some secret habits of debt-free people. Plus, Art and Katie answer a question regarding a spouse who doesn’t seem motivated to pay off debt. Money questions:What are your thoughts on apps like Acorns that automatically take change from your bank transactions for saving and investing purposes? My husband and I have significant debt. It stresses me out, but he doesn’t seem to care. He never wants to do anything about it. How can I get him on board with paying off our debt?Notes:HisandHerMoney.com The Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-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/

Pastors have some unique financial challenges that lead to particular questions. In this episode, we tackle a few of those questions like, “Should a pastor pay off their mortgage?”Listener question answered:Are pastors required to take minimum distributions from their 403(b)?Notes:Housing Allowance for Ministers: Made Easy | Buy it here: https://www.amazon.com/Housing-Allowance-Ministers-Made-Easy/dp/1731052367The 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/

Marriage and money challenges are common. How can you get on the same financial page with your spouse? A budget can help. And in this episode, we explore how you and your spouse can create one together. Money questions:Should each spouse have their own “play money?” If so, what are the rules?What is the best way to start compounding interest?Notes:The Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-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/

Saving for the future is wise. In this episode, Chuck Bentley, CEO of Crown Financial Ministries, answers some crucial retirement questions.Listener questions answered:1. What college degree should I get?2. Should I buy Bitcoin?Resources mentioned:Crown.orgThe Money Challenge for Teens | Buy it here: https://www.artrainer.com/the-money-challenge-for-teensThe 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/

Historically, South Memphis has been plagued by generational poverty and high unemployment. Advance Memphis desires to see this changed. This episode will inspire you to get financially healthy and help other do the same. Listener questions answered:1. Should I put my 16-year old daughter on my credit card to build her credit?2. The stock market is making me nervous. What should I do?Notes:AdvanceMemphis.orgWhen Helping Hurts | Buy it here: https://chalmers.org/resources/books/when-helping-hurts/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/

God’s three-step financial formula is this—Give generously. Save wisely. Live appropriately. We focus a lot on those first two. But what about living appropriately? How can someone glorify God in with their spending?Listener questions answered:1. I recently took my kid to the dentist to find out that they need braces. Is this something I should save up and pay cash for or do I need to finance this? I don't have the money right now but may be able to pay it in full within a couple of years.2. Why should someone pay off their debt before saving for their emergency fund?Notes:Agape Investing | Visit here: https://agapeinvests.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/

How can you start building wealth today? In this episode, we share five different ways you can take a step toward building wealth today. Notes:1. Decrease your expenses.2. Increase your income.3. Invest for the long haul.4. Stop financing depreciating assets.5. Give.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 do I teach my kid to be financially responsible? On this episode, Art talks with Bryan Lark, author of One Kid, One Dollar, about how parents can help their kids become financially responsible. Money questions:I have 2 young kids. What is the best tool you have found for helping your kids understand how to take care of money?I am approaching the point when I can start taking Social Security. Should I take it now or wait?Notes:One Kid, One Dollar | Buy it here: https://amzn.to/3m8FPQEThe Secret Slide Money Club Series | Buy it here: https://www.artrainer.com/the-secret-slide-money-clubThe 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/

What if God’s teaching on money never reaches the ears of those in the church? What are the consequences? What is the fallout?Notes:1. Widespread financial challenges.2. Increased stress, anxiety, and marital struggles.3. Increased pursuit of the world’s solutions.4. Decreased or stagnant generosity.5. A lack of funding for the church’s mission.6. A dearth of generous disciples.Notes: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/

Home prices are going crazy! What’s going on? In this episode, Art answers listener questions about home purchases and mortgages.Money questions:Why are home prices so high right now, and when will they drop?I can get a mortgage by only putting 3% down. I know you aren’t a big fan of these loans, but I am worried that I will never get a home if I don’t buy now because the costs keep going up. This is my only option. Thoughts?What do you prefer—15- or 30-year mortgage?What was your strategy for paying off your home early?Should I tithe off a gain from my home sale?Notes:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

As parents, we want our kids to understand God’s design for money. Unfortunately, many parents don’t know where to start, especially if they have young kids.Money questions:JWe are a young family with a 17-month son and one on the way. We have $20,000 in student loans so we know that college is expensive. What should we do first—pay off our student loans or start saving for our children’s college? We have a baby on the way. Should we slow down our debt snowball to ensure that we have enough for delivery expenses?Notes:The Secret Slide Money Club | Buy it here: https://www.artrainer.com/the-secret-slide-money-clubThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 often should my wife provide updates about our finances? Do I really have to put 20% down on a home? If my wife wants a lot of kids, at what point should I upgrade our house? We answer those questions and more.Listener questions:How often should my wife provide updates about our finances? What are some general guidelines if I take on a side gig?Do I really have to put 20% down on a home? If my wife wants a lot of kids, at what point should I upgrade our house?Should I make any financial changes because of the pandemic?”Notes:Find More Money | Buy it here: https://www.artrainer.com/find-more-moneyThe Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-challengeThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Bivocational pastors have a difficult task. What are their financial struggles? How do they manage their time? In this episode, two bivocational pastors help us understand what their life and ministry is like. Listener questions:I am a bivocational pastor. How much can I claim for my housing allowance?Notes:Duck Duct Cleaning | https://www.duckductcleaning.com/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Jake and his wife have children but no significant assets. Should they get a will? On this episode, Art discusses wills and trusts with Leo Sabo, president of Christian Stewardship Network. Listener questions:My wife and I have a couple of young kids, but we don’t have many assets. When should I get a will?Notes:Splitting Heirs | Buy the book here: https://www.amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 do I prepare for college costs with 7 kids? How should I prepare for another economic downturn? What is the most important thing about money I should teach my child?In this episode, Art answers several listener questions.Listener questions:1. How do I prepare for college costs with 7 kids?2. My son will go to college next year. I am thinking about purchasing a home wherever he goes to college for him and some roommates to live in. What are your thoughts?3. How should I prepare for another economic downturn?4. What is the most important thing about money I should teach my child?Notes:The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 use your home equity to consolidate debts? When should you start saving for a down payment? Should I meet with a financial planner?Listener questions:1. Should I use my home equity to consolidate my debts.2. Should I pay off all debts before saving for a down payment for a house?3. Should I use my emergency to cover my homeowners insurance deductible? 4. Should I use a planner to manage my retirement?The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Give generously. Save wisely. Live appropriately. That’s the 3-step financial pattern we see in the Bible. And most of the time, we talk about those first two steps—give generously and save wisely. In this episode, Art answers listener questions, including one about living appropriately and spending money.Listener questions:1. You say give generously, save wisely, and live appropriately. What does it mean to live appropriately, and what are some good ways to spend my money?2. What do you think about USDA loans?3. What is one thing you would do differently as a parent, and one thing you wouldn’t change?Notes:1. Others2. Health3. Experiences4. Knowledge5. TimeThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 wanting to change careers? Is now the time to really go after that dream job? On this episode, bestselling author, Ken Coleman, will help you think through what steps you need to take next.Notes:The Proximity Principle | Buy it here: https://www.ramseysolutions.com/store/books/the-proximity-principle-by-ken-colemanFrom Paycheck to Purpose | Preorder it here: https://amzn.to/3hPo4F4The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

So, you married into debt. What do you do? This is going to be a great episode for married couples and those who, one day, want to be married. Notes:- Don’t follow the script.- Be your family.- Live like you have one salary. - Togetherness.JackiCKing.comThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Most of the time, we talk about being good stewards (managers) on More Than Money. In this episode, we are going to discuss how to be terrible stewards. It is a fun and inspirational episode. Listener question answered:Should I buy a high quality, expensive item that will last a long time and take care of it, or should I buy cheap and just know it may not last?My wife and I disagree on the amount we should give to our church. I like our current 10% of gross income. She wants to increase it to 15%. How do we resolve the difference? Notes:Nobodies for Jesus: 14 Days Toward a Great Commission Lifestyle | Find it here: https://amzn.to/3AzGvFaThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 talks with Costi Hinn about his life story and his book, “God, Greed, and the (Prosperity) Gospel.” Plus, Art answers questions about 529 plans and retirement savings.Listener questions answered:I am curious whether you have Roth or Traditional IRAs in mind when recommending a 15% savings rate.I am a bit overwhelmed by looking through info for all 50 states to find the best. Are there a few off the top of your head that you’d recommend.Notes:God, Greed, and the (Prosperity) Gospel | Find it here: https://amzn.to/3x5k5sZThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Is it okay for a church to accept someone’s lottery winnings? When is it wrong for a church to accept designated gifts? Is it okay to accept personal gifts from church members? Listener question answered:I am a bi-vocational pastor. My ministry income is about 10% of my total income. Are there any unique ways churches should allocate pastoral pay packages (distributed between housing allowance, mileage reimbursement, etc.) when the pastor does not depend on the funding to provide for his family?How should "cost of living" and inflation factor into the modest raises ministers receive?I am a couple years away from paying off my mortgage. Should I use some of my emergency fund to pay it off early and save on interest?Find More Money by Art Rainer | Get it here: https://www.artrainer.com/find-more-moneyThe Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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/

Going to Disney World this summer? In this fun episode, we talk to Disney aficionado Kristen Petersen about how to save a little money at the parks this summer.Listener questions answered:Can you help me understand what a zero-based budget is?You recommend the debt snowball to pay off debt. It seems like paying off the highest interest would be better financially. Would you be okay if I do that instead?Notes:1. Get a travel agent.2. Stay at a Value Resort.3. Skip table service dining.4. Bring souvenirs from home.5. Purchase Disney gift cards at a discount.If you'd like to learn more about Travelmation and work with them on your next family vacation, click here: https://www.travelmation.net/The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binderEpisode Sponsor:Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process. Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level! Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/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 answers several money questions from More Than Money listeners.Listener question answered:We are starting the college search process for my child. What tips do you have for us. I don’t want her going into debt for school.I’m single and just starting out on my financial journey. What suggestions do you have for someone like me?Why do you tell us to get our company match before paying off debt?I love how you talk about how God designed us for generosity and that is to be our financial priority. I don’t have much money to give. What should I do?Notes:Bad Reasons for Choosing a College:1. It’s where my girlfriend/boyfriend is going.2. It’s where my parents went.3. It’s far away.4. It’s prestigious.5. It’s my favorite team.6. It’s where everyone else is going.Notes: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/

Looking for a few good books to read this summer? In this episode, Art provides his top five (or six) recommended books on money. Listener questions answered:Where should I put my child’s savings? In a savings account?Should I invest in Bitcoin?Notes:Redeeming Money by Paul David TrippGospel Patrons by John RhineThe Money Challenge by Art RainerThe Millionaire Next Door by Thomas J. Stanley and William D. DankoThe Automatic Millionaire by David BachThe Psychology of Money by Morgan HouselNotes: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/

Is it okay to play the lottery? Is there a difference between gambling and investing? In this episode, Dave Jones rejoins us to discuss the biblical view of gambling.Questions answered:1. What’s wrong with playing the lottery?2. What is the difference between investing and gambling?3. Is it okay for me to have an office bracket pool?Notes: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, Thom Rainer joins Art to answer some FAMQ (Frequently Asked Money Questions) of ministers. Art also announces a new giveaway from SecureGive!Listener questions answered:1. We often discuss the difference between a pastor’s salary and the pastor’s compensation package. What is the difference and why is it important for a pastor to understand the difference?2. Before taking a pastoral position, can a pastor negotiate the salary? How should he go about doing that?3. Housing allowances are a big deal for ministers. What is a housing allowance and how can a minister take full advantage of it?4. Give me your 3 biggest future financial concerns for pastors.Notes:Church Answers | https://churchanswers.com/The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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/

John Rinehart from Gospel Patrons joins us to share a few practical steps to becoming more openhanded with our money. Art also answers question about paying for Disney World and whether or not to sell your home.Listener questions answered:I want to take our family to Disney World this year, but we don’t have the money right now. My husband typically gets a bonus at the end of the year that would cover the costs. What do you think about paying for it with a credit card, knowing we can pay it off at the end of the year?The real estate market is hot right now. Should I sell my home?Notes:Gospel Patrons | https://bit.ly/33zeoGHThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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 Rainer's paid off their mortgage. Woohoo! In this episode, Sarah joins Art to have a conversation about the lessons they learned along the way. Listener question answered:Should I pay off my mortgage? I am a pastor with a housing allowance and I don’t want to mess anything up. What do you think?Notes:Lessons Learned:1. Know your why.2. Buy a house you can afford.3. Have a plan.4. Stay focused (this is a long journey).5. Be flexible (this is a long journey).Notes:The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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 we answer questions about inheritances, savings bonds, and digital retirement platforms. Plus, we make fun of Taylor’s dancing. It is a great episode!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?While reading your new book, "The Money Challenge for Teens", you mention the importance of no minimum balance and low trading fees. Do you recommend online investment platforms such as Betterment for Roth IRA's? Why or why not?Are bond checks worth investing and giving as a gift?Notes:Taylor's Hilarious Dance Video | https://bit.ly/3gI11vvThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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 I plan to care for my parents? Is 0% financing a good idea? We answer these questions plus a few other listener questions in this episode. Also, we announce a new giveaway! Listener questions answered:Regarding home improvements, how do you balance future ROI vs. what you want to live in?Is 0% financing a good idea?Should I plan to care for my parents?What are effective ways to teach HS Seniors money management and stewardship BEFORE they go to college?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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/

Steve has $50,000 in debt and wants to know if he should sell his home to pay off the debt. In this episode, we answer Steve’s question plus several other money questions from our listeners. Also, we announce a new giveaway! Listener questions answered:Should I use sell my home to pay off my debt?Would you have a recommendation for a percentage of my income to use towards a mortgage?I’ve already maxed out my Roth IRA. What should I invest in for the remainder of my 15%? I am self-employed, so 401K is not an option.Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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/

Last week, we asked you to send in your money questions. And you responded in a big way. So, we are going to answer a few of your questions in this episode. Plus, we will announce the giveaway winner!Listener questions answered:How should one order priorities of saving for retirement, paying off debt, saving for college, etc.? I've taken my workplace match (6%) on my retirement account which is a 403(b) since I work at a non-profit, but as I think about where to invest the rest of my 15%. I'm tempted to invest it elsewhere since my 403(b) options are very slim. Is it smart to put the rest in something like a Roth IRA, or is it better to keep everything in the same account to capitalize on higher gains since the account will have more money?What are the best practices in a healthy financial marriage when one spouse loves the idea of paying off a 3 % loan on a house and the other spouse loves the opportunity of making 8-10% in the market?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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/

Some decisions are clear. Should we give? Yes. Should we pay our bills? Of course. what about those questions that aren’t always so clear, like should you give to the homeless man at the traffic light? I invited, Dr. David W. Jones, a Professor of Christian Ethics, to answer three questions:•Is it okay for Christians to negotiate down debt?•Is it okay for Christians to be rich?•Should you give money to the homeless man at the traffic light?Listener questions answered:Should I use the money to invest in the stock market or pay off my mortgage?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzThe Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAmEpisode 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/