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Faith & Finance

Faith & Finance

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Faith & Finance is a daily radio ministry of FaithFi, hosted by Rob West, CEO of Kingdom Advisors. At FaithFi, we help you integrate your faith and financial decisions for the glory of God. Our vision is that every Christian would see God as their ultimate treasure. Join Rob and expert guests as they give biblical wisdom for your financial journey and provide practical answers to your pressing financial questions. From budgeting and debt management to investing and stewardship, Faith & Finance equips listeners with insights to handle money wisely and live generously for God's Kingdom. Listen now or ask your question live by calling 800-525-7000 each weekday from 10-11 a.m. ET on American Family Radio and 4-5 p.m. ET on Moody Radio. You can learn more at FaithFi.com.Copyright 2023-2025 FaithFi: Faith & Finance Cristianismo Economía Espiritualidad Finanzas Personales Ministerio y Evangelismo
Episodios
  • Our Ultimate Treasure: Intentional Giving

    Our Ultimate Treasure: Intentional Giving
    Apr 7 2026
    Every day, we make decisions about money—but not every decision is made on purpose. When it comes to generosity, many of us wrestle with familiar questions: Where should I give? How much is enough? Does my giving really make a difference? But Scripture invites us to see generosity differently—not as a financial habit, but as an act of discipleship. Intentional giving connects our everyday resources to God’s redemptive work in the world. From Overwhelmed to On Mission We’re surrounded by needs. Local churches, global missions, ministries serving the poor, organizations strengthening families and sharing the gospel—the opportunities are endless. And because of that, it’s easy to feel overwhelmed or default to reactive giving when something tugs at our hearts. But God’s Word points us to something deeper. Ephesians 2:10 reminds us: “For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” Generosity isn’t random. It’s part of the purpose God has written into your life. You’re not just managing money—you’re participating in His mission. Generosity That Lasts Intentional giving begins when we realize that our work and income aren’t just about survival or success. They’re about joining God in meeting needs and restoring lives. The Apostle Paul writes in 1 Timothy 6:18–19 that we are “to do good, to be rich in good works, to be generous and ready to share… thus storing up treasure… so that they may take hold of that which is truly life.” Every intentional gift becomes an investment in eternity. It’s a present-tense glimpse of God’s Kingdom breaking into this world. Where Do We Start? Practicing intentional giving doesn’t have to be complicated—but it does require clarity and purpose. 1. Start with your local church. God designed the church to equip believers, reach communities, and advance the gospel. Supporting it isn’t just tradition—it’s participation in His ongoing work. 2. Care for the vulnerable. Proverbs 19:17 says, “Whoever is generous to the poor lends to the Lord.” Whether through local outreach, relief efforts, or helping a neighbor, these acts reflect God’s compassion in tangible ways. 3. Invest in the spread of the gospel. Romans 10:15 reminds us, “How beautiful are the feet of those who bring good news.” Every gift that helps someone hear about Christ carries eternal significance. When we give this way, our finances begin to tell a story—about what we love, what we value, and whom we trust. Grace, Not Guilt Here’s what makes intentional giving so powerful: it flows from grace, not guilt. 2 Corinthians 9:7 tells us, “Each one must give as he has decided in his heart… for God loves a cheerful giver.” We don’t give to earn God’s favor—we give because we’ve already received it. Jesus Himself modeled this. Though He was rich, He became poor so that we might share in His riches (2 Corinthians 8:9). That’s the foundation of all generosity: the gospel. When grace takes root, open hands follow. A Different Way to See Money Intentional giving asks a different set of questions: Where is God inviting me to participate?Who has He placed in my path?What opportunities has He prepared for me? You’ve been uniquely positioned—with your experiences, relationships, and resources—to make a difference in ways no one else can. And when generosity becomes intentional, it reshapes how you see money. It’s no longer just income or savings—it becomes a tool for Kingdom impact. Because giving doesn’t just change someone else’s life—it changes yours. It loosens your grip on money, deepens your trust in God, and aligns your heart with His purposes. Because when generosity becomes intentional, it becomes transformational. Take the Next Step If you want to grow in this mindset—seeing every dollar as an opportunity to participate in God’s work—I’d encourage you to go deeper. In Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, we explore how generosity fits into God’s bigger story and how your finances can reflect His grace and purpose. You can purchase your copy—or place a bulk order for your church or small group—at FaithFi.com/Shop. On Today’s Program, Rob Answers Listener Questions: I’m retiring soon and selling my home, with about $250,000 in proceeds. My advisor suggests a 10-year annuity, but I’m concerned about locking up the money. Is this a wise move?Do I have to pay federal taxes on interest earned from a high-yield savings account?I know I can still contribute to last year’s retirement account, but can I do a Roth conversion now and have it count for 2025?As a widow, can I still use my late husband’s capital gains exclusion when selling our home? And would buying another home or leaving it to my children affect the taxes? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a ...
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    25 m
  • Common Misconceptions about Faith-Based Investing with Brian Mumbert

    Common Misconceptions about Faith-Based Investing with Brian Mumbert
    Apr 6 2026
    Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it’s worth taking a closer look at what faith-based investing really is—and what it isn’t. On today’s show, Brian Mumbert, President of Timothy Plan—a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn’t replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn’t Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it’s true that buying and selling shares doesn’t directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that’s a meaningful form of stewardship. Misconception #4: “Screening Limits Diversification” A final concern is that excluding certain companies will significantly narrow investment options. In practice, even strict faith-based screens still leave a vast majority of the investable universe available—often around 90%. That means investors can still achieve broad diversification across sectors and asset classes while remaining aligned with their values. A Better Way to Think About Investing Faith-based investing isn’t about making a symbolic statement or checking a box. It’s about recognizing that every financial decision reflects what we value—and choosing to steward those decisions intentionally. It invites us to ask a deeper question: What does faithfulness look like in the way I invest what God has entrusted to me? You don’t have to choose between conviction and competence. Faith-based investing offers a way to pursue both—aligning your portfolio with your beliefs while still practicing wise, disciplined stewardship. Because in the end, investing isn’t just about returns—it’s about responsibility. Learn More If you’d like to explore faith-based investing options, Timothy Plan has been a trusted leader in this space for more than 30 years—offering mutual funds and ETFs designed to help investors align their portfolios with their biblical values. To learn more, visit TimothyPlan.com. On Today’s Program, Rob Answers Listener Questions: I’m confused about how to report an annuity on our taxes. We started it with $6,000 in 2011, and it’s now worth about $205,000. How do I determine the correct cost basis, especially with fees over time?We have $20,000 to invest and want something safe and fairly liquid. Should we use CDs or T-bills, and how do T-bills work through TreasuryDirect or a brokerage?My son’s business is struggling, and he’s relying on payday loans. How can he get out of this cycle, and who should he talk to for guidance or debt consolidation? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Timothy PlanFidelity | Charles SchwabChristian Credit CounselorsChristian Community ...
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    25 m
  • It Is Finished

    It Is Finished
    Apr 3 2026
    “For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” - 2 Corinthians 8:9 Good Friday invites us into a sacred tension—one marked by sorrow, gratitude, and deep hope. It is the day we remember the crucifixion of Jesus Christ, when the Son of God bore the weight of our sin on the cross. And yet, for centuries, Christians have called this day good. Not because the events were easy or lighthearted—but because of what Christ accomplished through them. The Sorrow and the Wonder of the Cross For many believers, Good Friday carries a heaviness. We reflect on the suffering Jesus endured and the sobering reality that our sin made the cross necessary. Scripture reminds us that sin is not merely a mistake—it is a separation from God, the very source of life and love. And yet, alongside that sorrow is overwhelming gratitude. We remember the love of the Father who gave His Son, and the love of the Son who willingly laid down His life. Jesus stood in our place, absorbing the penalty we deserved so that we could be reconciled to God. This is the wonder of the cross: justice satisfied and mercy extended. A Story That Doesn’t End in Darkness Even on Good Friday, there is anticipation. We know what Sunday brings. The resurrection is coming—the victory over sin and death, and the promise of eternal life for all who trust in Christ. Good Friday is not the end of the story. It is the turning point. What looked like defeat became the doorway to redemption. That’s why we call it good. Here at Faith and Finance, we often talk about stewardship, generosity, and wise financial decisions. But Scripture frequently uses financial language to help us understand spiritual realities. Terms like debt, ransom, redemption, and inheritance appear throughout the Bible—not by accident, but because they reveal the depth of what Christ has done for us. Romans 6:23 — “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.”Mark 10:45 — “For even the Son of Man came not to be served but to serve, and to give his life as a ransom for many.”1 Corinthians 6:20 — “You were bought with a price. So glorify God in your body.” These aren’t just metaphors—they are windows into the gospel. Our sin created a debt we could never repay. Left to ourselves, we had no way to restore what was broken. But Jesus stepped in. “It Is Finished” As Jesus breathed His last, He declared, “It is finished” (John 19:30). The Greek word is tetelestai—a word rich with meaning. It was used by servants to report that a task was completed. It appeared on legal documents to indicate that a requirement had been fulfilled. Most strikingly, it has been found on ancient receipts to signify that a debt had been paid in full. No balance remaining. Nothing left owed. So when Jesus spoke those words from the cross, He wasn’t simply marking the end of His life—He was announcing the completion of His mission. The price of our redemption had been paid. The debt of sin was canceled. The separation between God and humanity was bridged—not by our effort, but by His sacrifice. That changes everything. Because of Christ, we are no longer living in a state of spiritual deficit. We live in the overflow of grace. Jesus didn’t make a partial payment—He paid it in full. There is nothing left for us to earn. No amount of striving can add to what He has already accomplished. Instead, we are invited to receive this gift by faith and walk in the freedom it brings. We are free from guilt. Free from striving. Free to live for the One who gave everything for us. A New Way to Live On this Good Friday, we’re invited to hear those final words again—tetelestai—and let them settle deep into our hearts. It is finished. And because it is finished, our obedience is no longer a transaction to earn God’s favor. It becomes a joyful response to His grace. We follow Christ not to gain life, but because in Him, we’ve already found it. That’s the beauty of the cross. And that’s why Good Friday is truly good. On Today’s Program, Rob Answers Listener Questions: My wife and I bought a small home in 2024 and now have two young kids, with hopes for more. Should we consider moving or refinancing for more space? Also, should I keep $16,000 in savings or invest some of it?My son and daughter-in-law adopted four Ukrainian teens who may attend college. Where can we find scholarships for them, especially lesser-known ones?I’m 79, still working as a bi-vocational pastor, and owe about $17,000 on my home. Would a reverse mortgage make sense for me? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Fastweb | Peterson’s | Scholarships.comOur Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on ...
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    25 m
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