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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
  • One More: The Power of Personal Financial Discipleship with Brian Holtz

    One More: The Power of Personal Financial Discipleship with Brian Holtz
    Mar 11 2026
    Discipleship often sounds like something that requires a large program, a curriculum, or a major church initiative. But what if it’s far simpler than that? What if discipleship often begins with just one intentional relationship? Sometimes a single faithful conversation—repeated over time—can shape how we follow Christ in every area of life, including our finances. Today, we spoke with Brian Holtz, CEO of Compass Financial Ministry, about a simple discipleship model that has quietly transformed lives for decades. And it all begins with one person investing in another. The Power of One-to-One Discipleship The vision began with Howard Dayton, the founder of Compass. Many people know Howard from his years teaching about biblical stewardship, but at the heart of his ministry has always been personal discipleship. Years ago, Howard made a simple commitment: each year, he would intentionally walk alongside one person. They would read Scripture together, discuss what God was teaching them, and reflect on how those truths applied to their lives. Alongside Scripture, they would read a few formative Christian books and meet regularly to talk through what they were learning. But there was one small request. At the end of the year, the person being discipled would commit to doing the same thing with someone else. That simple multiplication strategy became known as the “One More” program—disciple one person each year and invite them to do the same. Books That Shape the Heart Over time, the reading list has evolved, but the goal has always remained the same: to encourage deep spiritual formation. Some of the books commonly used in the process include: Humility by Andrew MurrayTrusting God by Jerry BridgesFinancial Discipleship by Peter BriscoeThe Master Plan of Evangelism by Robert Coleman Each of these works invites believers to reflect deeply on their relationship with God. But as Brian Holtz explained, the real power isn’t in the book list. It’s in the relationship. The conversations that happen as we discuss what God is teaching—how Scripture shapes decisions, priorities, and daily life—become the true treasure of the process. A Life-Shaping Year For Brian, this model of discipleship became deeply personal. Nearly a decade ago, his family had just relocated across state lines for work. Everything felt unsettled—his job, church, and even family rhythms. Nothing seemed to be falling into place. Then a friend invited him into this simple discipleship process: reading Scripture and a few books together over the course of a year. What began as a small commitment ended up transforming nearly every area of his life. His view of money changed. His relationship with the Lord deepened. His marriage and parenting were shaped in new ways. Eventually, that same relationship even influenced his career, leading him to join Compass Financial Ministry itself. What started as one faithful investment became a turning point in Brian’s life—and he has since walked many others through the same journey. Where Discipleship Begins For many believers, the idea of discipling someone else can feel intimidating. We imagine complicated programs or advanced theological training. But Brian offers a far simpler starting point. Don’t read books alone anymore. Invite someone to read with you—whether it’s Scripture, a devotional, or a Christian book. Meet regularly, talk about what you’re learning, and discuss how those truths apply to your life. That’s it. One conversation at a time. For those who want to follow the same approach used by Howard Dayton, Compass offers free study guides through its “One More” initiative, designed to help people disciple one person each year. One Faithful Relationship at a Time Discipleship rarely begins with a platform or a program. More often, it starts with a single faithful relationship—two people opening Scripture together, asking honest questions, and encouraging one another to follow Christ more closely. And when that investment is repeated again and again, the impact multiplies in ways we may never fully see. One conversation. One relationship. One more life shaped for eternity. On Today’s Program, Rob Answers Listener Questions: My 19-year-old daughter still lives at home, and we want to help her learn good money habits before she moves out. Should we charge her rent and save it for her? What percentage makes sense, where should we keep it, and is it wise for her to get a credit card to start building credit?We lived in a home for 20 years, then turned it into a rental five years ago. It hasn’t been rented for about a year due to renovations. If we sell now, can we avoid capital gains taxes, and how should we handle tithing from the sale in the most tax-efficient way?My daughter is listed on my bank accounts, but her struggling business could lead to bankruptcy. Could that put my money at risk, and should I remove her from the accounts to protect it? Resources...
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    25 m
  • Treasure that Lasts

    Treasure that Lasts
    Mar 10 2026
    “Where your treasure is, there your heart will be also.” — Matthew 6:21 Long before Scripture speaks about budgets, investments, or generosity, it asks a deeper question: What do we truly value? Jesus’ words in Matthew 6:21 aren’t merely financial advice. They reveal a profound spiritual reality. Our treasures—what we prioritize, pursue, and protect—reveal the direction of our hearts. Understanding this truth reshapes the way we think about money, wealth, and ultimately, life itself. Everyone Is Chasing a Treasure Step into any office, business, or marketplace, and you’ll see it quickly: everyone is pursuing something. For some, the pursuit is wealth. For others, it’s freedom, comfort, reputation, or security. When you peel it back, treasure shows up in the things we sacrifice for, dream about, and worry over. Money often sits at the center of this pursuit because it seems to promise everything we desire. If we have enough, we imagine we’ll finally feel secure, prepared, and in control. But there’s a paradox. The more we accumulate, the more we fear losing it. The more we protect it, the more anxious we become. What once promised freedom slowly begins to feel like slavery. The problem isn’t that money is bad. Scripture never teaches that. Money is simply a tool. The problem is that our hearts quietly ask money to do what only God can do: save us, secure us, and satisfy us. That’s why Jesus spoke about treasure so often. Not because He opposed wealth, but because wealth competes for what belongs to God alone—our trust. Generosity Reveals the Heart Many people assume the solution to the love of money is simply to give more. And generosity is certainly celebrated throughout Scripture. Giving frees us to participate in God’s work and bless others. But Jesus never treated giving like a formula. Instead, He treated it like a diagnosis. In Mark 12:41–44, Jesus watched as wealthy donors placed large gifts into the temple treasury. It must have looked impressive to everyone watching. But His attention turned to a poor widow who quietly dropped in two small coins. To most observers, her gift seemed insignificant. But Jesus saw something different. The wealthy gave from their surplus. The widow gave from trust. Her offering wasn’t about optics or recognition. It was worship. She treasured God more than financial security. When Giving Isn’t Enough Jesus reinforced this idea when He rebuked the Pharisees in Matthew 23:23. They carefully tithed even their smallest herbs—mint, dill, and cumin—yet neglected “the weightier matters of the law: justice and mercy and faithfulness.” Their giving was meticulous. But their hearts were misplaced. If the act of giving alone could break the love of money, the Pharisees would have been the freest people in Israel. But they weren’t. True freedom doesn’t come from giving more. It comes from loving Christ most. The Treasure Worth Everything Jesus tells another story in Matthew 13:44 about a man who discovers a treasure hidden in a field. When he realizes what he has found, he joyfully sells everything he owns to buy the field. Notice what’s remarkable about this story: the man isn’t grieving his loss. He’s thrilled. Why? Because he finally sees clearly what is truly valuable. He isn’t losing—he’s gaining. That’s what happens when Christ becomes our treasure. Everything else falls into its proper place. Wealth becomes a tool instead of a master. Enjoyment becomes gratitude rather than entitlement. Generosity flows from joy instead of guilt. Stewardship becomes participation in God’s work instead of anxiety about our own future. The Treasure That Came Looking for Us But the story of treasure doesn’t end there. While humanity was searching for treasure, the greatest treasure came searching for us. Jesus didn’t simply teach about treasure—He became the treasure who gave everything to redeem us. Hebrews 12:2 tells us that Christ endured the cross “for the joy that was set before him.” That joy was redeeming us. The gospel isn’t ultimately a call to give up treasure. It’s an invitation to receive a greater one. The Question That Matters Most The real question isn’t whether you treasure something. You do. The question is who. Earthly treasures always demand protection. Christ alone protects us. And when Christ becomes our treasure, we gain something the world can never provide: a confidence no market can shake and a wealth no thief can steal. So today, pause and ask yourself the question Jesus raised long ago: Where is your treasure? Because wherever it is, that’s where your heart will be also. On Today’s Program, Rob Answers Listener Questions: I started a construction business about a year and a half ago, and it’s growing. How can I pursue growth faithfully without crossing the line from building wealth to pursuing greed?I’m overwhelmed by high-interest loans and paying $1,200–$1,500 every two ...
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    25 m
  • Top Credit Report Myths with Neile Simon

    Top Credit Report Myths with Neile Simon
    Mar 9 2026
    What do Bigfoot and credit reports have in common? They’re both surrounded by myths. While we may never settle the question of an eight-foot-tall creature wandering the woods, we can clear up the confusion around credit reports. On this episode of Faith & Finance, Neile Simon, a Certified Credit Counselor with Christian Credit Counselors, stops by to clear up some of the most common misconceptions about credit reports and credit scores. Understanding how credit really works can help you avoid costly mistakes and make wiser financial decisions. Myth #1: Paying Off Debt Instantly Fixes Your Credit Paying down debt is always a good step—but it doesn’t instantly produce a perfect credit score. A credit score reflects your history of borrowing and repayment. Lenders use it as a snapshot of how responsibly you’ve managed credit over time. That means improvement takes patience. The most important habit is simple: consistently pay your bills on time. Over time, that steady pattern will strengthen your credit profile. And beware of anyone claiming they can “fix your credit overnight.” Building good credit always takes time. Myth #2: Credit Counseling Ruins Your Credit Score Many people fear that seeking help will damage their credit—but that’s not true. Participating in a credit counseling program is considered a neutral mark on your credit report. What can affect your score is closing accounts, not the counseling itself. In fact, nonprofit credit counseling agencies often help people regain control of their finances through structured debt management plans. If you seek help, make sure the organization is accredited and nonprofit. That’s why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Myth #3: Canceling Credit Cards Boosts Your Score Closing credit cards may seem responsible, but it can actually lower your credit score. Why? Because it reduces your available credit, which increases your credit utilization ratio—a key factor in credit scoring. If you have credit cards with zero balances and no annual fees, keeping them open can actually help your score. If you must close accounts, do it gradually—perhaps one every six months—to minimize the impact. Myth #4: Too Many Inquiries Hurt Your Score This myth was once more accurate than it is today. Credit bureaus now recognize that consumers shop for loans. If you’re applying for a mortgage or car loan, multiple inquiries within a short window—typically about 45 days—are counted as a single inquiry. That means you can compare offers without damaging your credit score. And when it comes to checking your own credit report, that’s considered a soft inquiry, which does not affect your score at all. In fact, it’s wise to check your credit regularly to monitor for fraud or mistakes. Myth #5: You Don’t Need to Check Your Credit If You Pay Bills on Time Even responsible borrowers should check their credit reports. Studies suggest that a large percentage of credit reports contain errors. Reviewing your report once or twice a year allows you to catch mistakes or fraudulent activity early. You can obtain free reports from all three major bureaus at AnnualCreditReport.com. Correcting errors can take time—sometimes up to 90 days—so staying proactive is important. Myth #6: All Credit Reports Are the Same There are three major credit bureaus: Equifax, Experian, and TransUnion. Each may contain slightly different information because creditors don’t always report to all three bureaus, and updates may occur at different times. Different lenders may also use different scoring models depending on the type of loan—auto, mortgage, or credit card. For the most complete picture, it’s wise to review all three reports. Myth #7: Divorce Automatically Removes Joint Debt Divorce agreements may divide debts between spouses—but they don’t change the original credit contract. If your name remains on a joint account, you’re still legally responsible for the debt. If the other person misses payments, your credit score can suffer too. That’s why it’s important to close joint accounts or refinance debts into one person’s name whenever possible. Myth #8: All Negative Marks Disappear After Seven Years Some negative items disappear after seven years—but not all. For example: Chapter 13 bankruptcy: up to 7 yearsChapter 7 bankruptcy: up to 10 yearsPositive closed accounts: can remain for 10 years The good news is that positive information usually stays longer than negative information, helping your score recover over time. Myth #9: You Can Pay Someone to “Fix” Your Credit Many companies promise fast credit repair—but most simply send dispute letters to creditors. If the information on your credit report is accurate, it cannot be removed. That means many consumers pay fees without seeing real results. The truth is, you can dispute errors yourself for free. Christian Credit ...
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    25 m
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