Yes, all parents wish they could get a few do-overs. In this episode, we talk about five mistakes parents make when teaching their kids about money, And don’t worry, you will not finish the episode feeling guilty but inspired.Listener questions answered:Should you try to be “fair” and support each child equally?Notes:1. Parents often avoid discussions about money with kids because it is perceived as “adult stuff.”2. Parents fail to model healthy behaviors to their kids.3. Parent don’t spend enough time reading the Bible or participating in discipleship to apply a biblical worldview to their own finances.4. Parents don’t understand how Scripture applies to financial conversations.5. Parents get too busy in the day-to-day and often unintentionally fail to be generous or model a mission mindset.TheFinancialApologist.comThe 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/

Oneness—this is God’s design for marriage, and it includes a couple’s finances. In this episode, you are going to hear a married couple’s incredible journey from hoarding to living generously. It will inspire you and our spouse to take that next step in your generosity story.Listener questions answered:What are your thoughts on cryptocurrency?Should we decrease our giving to finish the debt then pick it back up?Notes:The 4 Giving Principles:1. Giving is to be a priority.2. Giving is to be done proportionally.3. Giving is to be done sacrificially.4. Giving is to be done cheerfully.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/

Jenn Collins is the founder of Mama Needs Box. What started out as a dream is now reality. In this episode, I talk with Jenn about her successful side gig and the lessons she learned along the way. Get ready to be inspired!Listener questions answered:Debt snowball or debt avalanche? Which is right for me?Notes:Jenn’s Lessons Learned:1. Don’t assume.2. Find your people.3. Focus on what you are good at.MamaNeedsBox.com | https://mamaneedsbox.com/Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3dEDQRtThe 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/

We are to cast our anxieties on God, but this does not mean we should not prepare for the inevitable emergency. In this episode, I’m having a conversation with my good friend and financial expert, Robby, about preparing for financial emergencies. Listener questions answered:How much cash should I keep in my car?How much of an emergency fund should a retiree with no debt have?Notes:The 8 Money Milestones | https://bit.ly/3s4r1UzDIME Method:DebtIncomeMortgageEducation 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/

Understandably, student loan debt has been a really big topic recently. According to a recent study, 44.7 million Americans have student loan debt. On this episode, we welcome Ramsey personality, Anthony ONeal, to discuss how to get rid of your student loan debt.Listener question answered:What is your opinion on the government paying off student loan debt?Notes:Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster by Anthony ONeal | Buy it here: https://amzn.to/3aMfl1DDebt Free Degree by Anthony ONeal | Buy it here: https://amzn.to/3aRj4uDThe Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Art Rainer | Buy it here: https://amzn.to/3aRj65JEpisode 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 time to learn about some important financial tools that are out there. In this episode, Art talks with financial expert, Robby Scholes, about three must-know financial tools. It is fun and informative conversation. Plus, Art answers questions about debt, retirement, and Social Security.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)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/

Albert Einstein famously said, “Compound interest is the eighth wonder of the world. He who understands it, earns it...he who doesn't...pays it.” On this episode, I’m talking to a 16-year old who understands it and is earning it. Parents, this episode will inspire you.Listener question answered:How young should you start teaching your kids about money and finances?Notes:1. Children can start learning about God a lot earlier than most parents realize.2. Children can start learning about money a lot earlier than most parents realize.3. Things stick children a lot longer than most parents realize. The Money Challenge for Teens | Buy it here: https://amzn.to/3ccc3qIThe Secret Slide Money Club | Buy it here: https://amzn.to/3sZUHn2Episode 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, I have a conversation with best-selling author Deborah Pegues about some lighthearted topics like emotional spending and enabling. After I talk to Deborah, I provide seven things high school seniors should know about money.Notes:1. Money is the result of work.2. Money is finite. 3. Debt is a burden.4. Instant gratification often leads to delayed financial health.5. A little bit of money + A lot of time = A lot of money. 6. God is the owner and provider of everything.7. Eternal treasures are greater than earthly ones.Listener question answered:I'm a high school pastor now and desire to equip graduating seniors with more financial knowledge than I had at 18. My question is, what are the 3-5 things seniors need to know?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/

In this episode, I have a conversation with our producer about credit cards. We have differing opinions on them, so I thought it would be fun to talk about our views.Notes:•Financial Priority #1: Giving (if you still have income)•Financial Priority #2: Food and health.•Financial Priority #3: House.•Financial Priority #4: Utilities.•Financial Priority #5: Automobile.•Financial Priority #5: Other loans.•Financial Priority #6: Everything else.Listener questions answered:Several of my peers have been let go where I work. As I precaution, I’m looking for other job possibilities. How should I prepare financially?I have $5,000 saved in an emergency fund, but I can’t find a decent rate on any account. Any suggestions?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/

Rachel Cruze from Ramsey Solutions joins us on the show to discuss her new book, Know Yourself, Know Your Money. In this interview, we discuss how our childhood impacts our view of money.Rachel Cruze's new book, "Know Yourself, Know Your Money" is out now! Get it here: https://amzn.to/3hN6G22Listener questions answered:I'm in my 40's. So, what percentage of social security should I figure into my retirement calculation.How do I know how much is enough for retirement?Other notes:4% RuleRetirement Budget x 25 = Amount Needed for RetirementEpisode 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/

Alright, I have another incredible story for you. This time, you get to hear how the Morvays paid off $46,000 in one year! It is an amazing story with some important lessons learned.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 - Listen Here: https://bit.ly/2JxItAaLessons 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/

It’s time for your Financial State of the Union! Give yourself a strong year-end and a great start to 2021 with this report. Listener questions answered:Do you think it’s wise or appropriate to fluctuate your giving when you have a highly flexible take-home pay?How much life insurance do I really need?Your Financial State of the Union:1. Review your generosity.2. Review your cash.3. Review your debt.4. Review your retirement account.5. Review your net worth.6. Review your goals. Other notes:DIME Method: Debt + Income + Mortgage + EducationEpisode 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 talks 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?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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

Does your view on money hurt you? For many, the answer is “yes.” In this episode, I ask Derrick Kinney, the CEO of Good Money Framework, to discuss how a person’s resentment of money is ruining the world. Listener questions answered:How one can be sacrificial in giving while paying off debt?Roth or Standard IRA?”Other notes:1. Money represents scarcity and strain.2. You see money as working against you.3. Your family money tree did not grow.4. There’s not enough money to fulfill your dreams.5. The money math doesn’t add up.The 3 levers that create wealth:1. Save more.2. Earn more.3. Reduce debt.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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

I’ve been eager to share my friend, Roshaun Freeman’s story for some time. Here was a guywho had seemingly everything against him, including cerebral palsy. Yet, he crushed $50,000 in student loan debt. Get ready to be inspired.Here are my takeaways from Roshaun Freeman’s story:1. We have to take responsibility for our decisions.2. Getting out of debt takes focus and sacrifice.3. Getting out of debt is more than possible for you.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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

2020 is almost over! It is time to get your year-end plan together. And in this episode, we are talking with Talaat McNeely from HisAndHerMoney.com about the year-end money moves you should be making.Listener questions answered:What is the best way to start saving for a child's future college fund?Should I rent and save 15% for retirement or reduce my retirement savings and put it toward a down payment on a house.Other notes:Moves you should make before year-end1. Review your last 12 months of spending2. Obtain a recent copy of your credit report3. Take a look at your debt balances4. Establish new short-term goals5. Assess all of your investments6. Determine your contributions to charity7. Make sure you have sufficient life insuranceEpisode 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 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/

According to a recent survey, 21.5% percent went into debt over Christmas in 2019. Are you financially prepared for Christmas? In this episode, we consider five ways you can ruin your finances over the holidays and provide some practical tips to avoid them all.Listener questions answered:What is the best savings vehicle to start putting aside money for future weddings?If there is money left at the end of the month, do you suggest putting an additional amount in savings or use it as an additional principal payment on our mortgage?Other notes:How to ruin your finances this Christmas:1. Don’t plan. 2. Feel obligated to get everyone a gift.3. Go into debt for Christmas purchases. 4. Wait until the last minute to purchase gifts. 5. Pull back on your financial generosity to your church and others. Practical money tips for Christmas:1. Get a budget.2. Find cost-friendly gifts.3. DO NOT GET A STORE CREDIT CARD! 4. Give yourself time to find wallet-friendly, but good gifts.5. Be intentional about your generosity this Christmas.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. Learn more here: https://www.securegive.com/

Need some inspiration? In this episode, you will hear an incredible story about, not just getting out of debt, but a story of God’s grace and mercy. It’s a story that has to inspire you. You will finish the episode thinking, “God is so good, and if he can do it, I can too.”Notes:1. God gracious and merciful.2. To get financially healthy, you must do the opposite of everything you did that got you into your financial mess.3. No one said getting financially healthy was going to be easy. But it is worth the effort.4. Financial health can be an idol. Make sure it remains a tool, not a goal.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. Learn more here: https://www.securegive.com/

In this episode, Art answers questions about down payments on homes and how newlywed couples can combine their finances. Art also talks to Lisa Zeeveld, the COO of Belay Solutions, about being the world’s greatest virtual employee. Listener questions answered:What’s the best way for a newly married couple to go about combining their finances?Is it really necessary to save 20 % to buy a home?Other notes:Here are the three questions which you should be able to answer “yes”:1. Do you plan on living there for at least 5 years?2. Will your mortgage payments be less than 30% of your after-tax pay?3. Do you have at least 20% for a down payment?The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksNEpisode 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. Learn more here: https://www.securegive.com/

“How do you handle finances in your marriage?” I get this question a lot. So, I’ve invited my wife, Sarah, to talk about how we navigate finances in the Rainer household. And we also answer some more of your money questions like, “Why does money cause so much stress in relationships?”Listener questions answered:Why does money cause so much stress in relationships?Where do we go next financially once we get our house? Retirement? Investing?Sarah, what is it like being married to the true and better Dave Ramsey?Other notes:1. Mission2. Communication3. Compromise4. Goals5. Trust6. Education7. EqualityThe Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksNEpisode 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. Learn more here: https://www.securegive.com/

Getting hired looks different today. Have you had an interview since the pandemic hit? If so, you’ve probably experienced a video interview. Preparation is different. So, in this episode, we are considering what to do (and what not to do) when it comes to virtual interviews. And, of course, we have a few of your money questions and will be answering those. Listener questions answered:Question #1: How do you expect the economy to be permanently changed due to COVID?Question #2: What would be your advice to a new pastor regarding opting out of Social Security?Other notes:Housing Allowances for Ministers: Made Easy | Buy it here: https://amzn.to/2H8hKJbEpisode 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. Learn more here: https://www.securegive.com/

27% of side hustlers rely on that income to cover monthly bills. Nearly one-third of side hustlers are over 54 years old. You didn’t see what one coming, did you? In this episode, we are looking at the income side of the financial equation. We are talking about side gigs. Listener questions answered:Question #1: How can I bring in more income to get rid of debt, build a cushion, and an emergency fund for my family?Question #2: Are there any unique Covid-19 opportunities?Question #3: What is the best approach to saving for kids post high school with the potential move away from college and towards trades?Other notes:3 Important Lessons About Side Gigs:1. Figure out what you are passionate about.2. Decide how much you can handle in your schedule.3. Make sure you are withholding taxes.Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3do4tYEEpisode 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. Learn more here: https://www.securegive.com/

74% of millennials and 52% of baby boomers believe that millionaires inherited all their wealth? On this episode, best-selling author and Ramsey personality, Chris Hogan might just make you rethink that belief. And, of course, we answer some of your money questions. Listener questions answered:Question #1: Any advice on saving for college for your children? Our parents really did great with providing us college money, and we want to do the same for our kids but are on a tight budget. Both my husband and I graduated DEBT FREE and I love how you talked about that and encouraged graduating debt-free in the Money Challenge for Teens Book! Question #2: I have been putting money away for years in my 403(b). According to my financial advisor, I am on target for retirement. Currently, I am 45, married, with several kids. How much life insurance should I get, and what kind to cover any holes prior to me putting my full amount into my 403(b) over the course of the next twenty years?Other notes:Everyday Millionaires: How Ordinary People Built Extraordinary Wealth ― and How You Can Too | Buy it here: https://amzn.to/3ihu46xEpisode 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. Learn more here: https://www.securegive.com/

On this episode, we are talking about newlyweds and money. I have ArtRainer.com contributor and Executive Pastor at Redeemer Church in North Carolina, Daniel Tripp, to walk us through what he has learned over the years. We also answer a few listeners’ money questions. It is a great episode for all married couples. Listener questions answered:Question #1: What do you tell a couple where one spouse is hostile to a budget and the other knows it would be helpful, but wants to keep the peace?Question #2: My wife and I are hoping to purchase our first house in a year or two and we know that most people recommend a 20% down payment to avoid PMI. We've been married for 7 years and are currently debt-free. We want to get as close to 20% as possible, but we also don't want to deplete our savings. Which should we prioritize - the down payment or savings?Other notes:3 questions to answer before you buy a home:1. Do you plan on living there for at least 5 years?2. Will your mortgage payments be less than 30% of your after-tax pay?3. Do you have at least 20% for a down payment?Book: The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/346J81QEpisode 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. Learn more here: https://www.securegive.com/

On this episode, we're talking about the Joneses — those people that you are constantly trying to keep up with and are ruining your financial health. We are also going to hear from the president of the Christian Stewardship Network, Leo Sabo, and, of course, we will answer some of your money questions.Listener questions answered:Question #1: Why do you prefer a 529 over a Coverdell ESA when it comes to college planning?Question #2: What type of account would you recommend our emergency savings to sit in?Question #3: What is your best advice to save for retirement when still trying to pay off old debt.Other notes:1. Know what God says about money.2. You need a financial plan.3. Be intentionally grateful.4. Spend less time on social media.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. Learn more here: https://www.securegive.com/

Why are ministers often hesitant to talk about money? In this episode, we hit on a topic that’s often ignored—ministers and money. We are going to hear from best-selling author, Carey Nieuwhof, on the subject. And of course, we are going to answer some money questions.Listener questions answered:Question #1: How much/often should a church preach on money? In your opinion, would a class be better?Question #2: Does it raise suspicion with the IRS if you raise or lower your housing allowance designation during the year either as you get used to living in a new state with a different cost of living or as you anticipate purchasing a new home (thinking of the future)?Question #3: Is it generally acceptable to claim moving expenses, first month’s rent, etc. as part of the housing allowance since I would say they fall under the category of setting up and maintaining the home that will be used immediately upon employment, but were actually paid for prior to my official hire date?Other notes:Housing Allowance for Ministers: Made Easy by Art Rainer | Buy here: https://amzn.to/2Zjh35FEpisode 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. Learn more here: https://www.securegive.com/

Did you know that a brand-new car depreciates by 10% the moment it drives off the car dealer’s lot? Car purchases—an area where financial blunders are often made. The mistakes in this area are costly. Sometimes, it’s like taking a big pile of money, worth thousands of dollars, and lighting it on fire. We can do better. By the end of the episode, we hope you are viewing car purchases through a different lens and saving money.Listener questions answered:Question #1: Can you expand on Milestone #5 about how many months to have stocked up for an emergency fund? What circumstances should have more and which ones less?Question #2: Do you and your spouse have joint or individual checking accounts? Why?Other Notes:How to view cars through a different lens:1. Remember the statistics.2. Focus on what a car payment prevents you from doing—living generously.3. Remind yourself that all new cars eventually become old cars.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. Learn more here: https://www.securegive.com/

70% of couples argue about money. 57% of divorced couples reported that money was thereason for their divorce. On this episode, we are spending some time on the topic of marriageand money. We get some wise advice about marriage from the President of Crown Financial,Chuck Bentley, and we answer a few money questions. You will love this episode.Here are the questions we answer:Question 1: How do you manage a budget while allowing for the Holy Spirit to lead you ingiving? Question 2: Should I refinance my ARM (adjustable-rate mortgage) if I think I may move in a few years?Additional Notes:Money Problems; Marriage Solutions: 7 Keys to Aligning Your Finances and Uniting Your Heartsby Chuck Bentley | Buy it here: https://amzn.to/2G5fykPShould I Refinance My Mortgage? from ArtRainer.com - https://bit.ly/2ExgbDhEpisode 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. Learn more here: https://www.securegive.com/

Is God in control, or is He not? In times of worry, that is the question we must answer. Now, trusting in God doesn’t mean we remain inactive. No, it moves us to action. We make wise money moves. We keep moving forward.Listener questions answered:Question #1: What can people do if they can't pay their rent/mortgages due to COVID related issues?Question #2: What age should I start talking about money with my son?Other Notes:Your Financial PrioritiesPriority #1: Giving.Priority #2: Food and health.Priority #3: House.Priority #4: UtilitiesPriority #5: Automobile.Priority #6: Other loansPriority #7: Everything else.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. Learn more here: https://www.securegive.com/

Debt is a generosity killer. Because you are obligated to pay your bills, you cannot give and help others in the way that you probably desire. This is why we need to get out of debt and avoid debt. And you are going to hear a story about someone who did just that on this episode.Listener questions answered:Question #1: Which should I do first—max out my Roth IRA or pay off my debt?Question #2: At what point did you feel educated and experienced enough to write andencourage others on their journey of financial freedom equipping individuals to support theKingdom of God?Other notes:8 Money Milestones:Milestone 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.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. Learn more here: https://www.securegive.com/

Why do we talk about retirement? Because we want your retirement years to be some of themost generous years of your life, able to use your time and your money to be part of advancing God’s Kingdom in your community and around the world. Because the Great Commission doesn’t stop when your retirement starts. And in this episode, we focus on Baby Boomers.Listener questions answered:Question #1: How do I get started investing?Question #2: Should I invest in Bitcoin?Other Notes:Kingdom Advisors: https://kingdomadvisors.com/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. Learn more here: https://www.securegive.com/