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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
  • Women of Worth with Bethany Frymire

    Women of Worth with Bethany Frymire
    Apr 17 2026
    Money conversations often center on numbers, strategies, and outcomes. But underneath those practical concerns lie deeper questions—questions about identity, worth, and purpose. For many women, financial confidence isn’t just about knowledge. It’s deeply connected to how they see themselves and their role in God’s story. That’s why conversations about money must go beyond budgets and investing—they must address the heart. On today’s show, financial advisor and author Bethany Frymire shared how faith, identity, and financial decision-making are deeply intertwined—and why that connection matters. A Calling Rooted in Faith Bethany Frymire, a Certified Kingdom Advisor (CKA®) with Blue Trust and author of Women of Worth: A Faith-Based Guide to Financial Wisdom, didn’t set out to work in financial services. Her journey began unexpectedly, but God used it to shape a calling centered on helping others steward resources through a biblical lens. Today, she serves clients by integrating financial planning with spiritual wisdom—helping believers align their financial lives with their faith. That integration is key. Because money, at its core, is never just about money. Why Identity Matters in Financial Decisions Too often, finances are treated as a separate category of life—something purely practical or technical. But that approach misses something important. As Bethany explains, women in particular tend to live integrated lives. Faith, identity, relationships, and responsibilities all flow together. When one area is uncertain—especially identity—it can affect everything else, including financial confidence. If someone struggles to believe she is valued and called by God, that uncertainty can manifest as hesitation, fear, or avoidance in financial decisions. But when identity is grounded in Christ, everything changes. Confidence replaces fearClarity replaces confusionPurpose replaces passivity Financial stewardship becomes not a burden—but an opportunity to honor God. The Confidence Gap—and Why It Matters There’s a striking reality many women face: 94% expect to manage finances at some pointBut only 28% feel prepared to do so That gap often becomes most evident during life’s hardest moments—widowhood, divorce, or unexpected transitions. Without preparation, financial responsibility can feel overwhelming. But when knowledge and confidence are built in advance, those same moments can be approached with wisdom and peace. That’s why learning stewardship isn’t just about the future—it’s about faithfulness today. Knowledge Isn’t Enough Financial education is important. But knowledge alone doesn’t always lead to action. Why? Because confidence to act is often rooted in identity. You can understand budgeting, investing, and generosity—but still hesitate to apply those principles if you doubt your worth or calling. But when women begin to see themselves as God sees them—valued, chosen, and entrusted—they become far more willing to step forward and act on what they’ve learned. That’s when financial wisdom moves from theory to transformation. Moving Past Shame and Regret For many, financial conversations carry a weight of discouragement—or even shame. Past mistakes. Missed opportunities. Regrets. But Scripture offers a different perspective: grace. No one has it all figured out. And no financial story is beyond redemption. As Bethany reminds us, there is always a next step—no matter how small. And those steps matter. Instead of being defined by past decisions, we’re invited to move forward with: Grace instead of guiltWisdom instead of fearHope instead of hesitation The Power of the Next Right Step Growth rarely happens all at once. It happens through small, faithful decisions—taken over time. That’s why focusing on the “next right step” is so powerful. It removes the pressure to have everything figured outIt creates space for learning and growthIt builds confidence through consistency Over time, those small steps form habits. And those habits shape a life of faithful stewardship. A Renewed Vision of Worth and Purpose At the heart of this conversation is a simple but transformative truth: Your worth is not defined by your financial success—but by your identity in Christ. Ephesians 2:10 reminds us that we are God’s workmanship, created for good works He prepared in advance. That includes how we steward money. When we begin to believe that God has a purpose for our lives, it reshapes everything: How we approach financesHow we view responsibilityHow we step into opportunities Stewardship becomes not just a task—but a calling. An Invitation to Grow No matter your life stage—whether you’re just starting out, navigating a major transition, or seeking clarity—there is always room to grow in wisdom and confidence. And that growth begins not with a financial strategy—but with a deeper understanding of who you are in Christ. Because when you know ...
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  • How Everyday Banking Can Advance God’s Kingdom with Aaron Caid

    How Everyday Banking Can Advance God’s Kingdom with Aaron Caid
    Apr 16 2026
    What if your everyday banking could help fuel ministry—without changing how you manage your money? That’s the question at the heart of a growing movement to rethink financial stewardship. For many of us, banking feels purely transactional. But what if it could become a tool for Kingdom impact? On today’s episode of Faith & Finance, Aaron Caid joined us to share how a unique approach to banking is helping support churches, families, and ministries around the world. A New Chapter in Faith-Based Banking Aaron Caid represents AdelFi and Christian Community Credit Union (CCCU), which recently came together to form what is now the largest faith-based credit union in the country. As they move toward a unified identity under AdelFi Christian Banking, the mission remains unchanged—but the opportunity for impact has grown. This new chapter means expanded resources, greater reach, and a continued commitment to serving individuals, families, businesses, and ministries nationwide. The goal is simple but powerful: to steward financial resources in a way that advances the gospel. More Than Transactions Most people don’t think of their bank account as a ministry tool—but that’s exactly what this model seeks to change. As a not-for-profit, member-owned credit union, the focus shifts from profit maximization to Kingdom impact. Instead of enriching shareholders, revenue is reinvested in serving members and supporting ministry work. Notably, 10% of earnings are tithed to support ministries actively sharing the gospel. This transforms everyday financial decisions—like where you bank—into opportunities to participate in God’s work. Real-Life Kingdom Impact This isn’t just theory. It’s happening in tangible ways. 1. Supporting the Local Church During the pandemic, Calvary Chapel South OC quickly outgrew its space as people gathered in large numbers for outdoor worship. Through affordable financing, the credit union helped the church secure a larger property—creating space for continued worship, discipleship, and community. 2. Caring for the Vulnerable Through partnerships with organizations such as the Christian Alliance for Orphans, financial resources have supported over 250 ministries serving orphaned and foster children. Beyond funding, families have also received guidance on navigating the financial complexities of adoption. 3. Investing in the Next Generation Camp Agape, which serves children with incarcerated parents, is another example. Support includes both financial contributions and volunteer involvement. Many children who attend eventually return as adults to serve, creating a cycle of healing and hope. A Broader Vision of Stewardship When you step back, the vision becomes clear: stewardship isn’t limited to giving—it includes how we manage every financial decision. Where we bank, how we spend, and the systems we participate in all reflect what we value. When those decisions align with our faith, even routine financial activity can take on eternal significance. This approach invites us to rethink a basic question: What if our money could serve more than just our needs? Instead of viewing finances as isolated from our spiritual lives, this model integrates the two—turning everyday banking into a way to participate in God’s redemptive work in the world. Take the Next Step If you’re interested in aligning your banking with your faith, there’s a practical opportunity right now. For a limited time, FaithFi listeners can earn up to a $400 bonus when opening a qualifying high-yield checking, savings, or cash rewards VISA credit account. CCCU also offers a high-yield money market account with a competitive rate on balances up to $100,000. To learn more, visit FaithFi.com/Banking and use the code FAITHFI when you open your account. On Today’s Program, Rob Answers Listener Questions: I’m 71, self-employed, and receiving Social Security, which is just sitting in a checking account. With no debt and a paid-off home, how can I invest it to keep up with inflation?I filed for bankruptcy about 10 years ago, and it still affects my credit. Would repaying old debts help improve my score and rental prospects?I’m 82 with about $50,000 in a 401(k) that I now need to move. What’s the best option—an IRA, CDs, or something else? Resources Mentioned: Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union | AdelFiSound Mind Investing (SMI)Charles Schwab | FidelityAnnualCreditReport.comOur Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American ...
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  • Freedom from Borrowing

    Freedom from Borrowing
    Apr 15 2026
    What if debt isn’t just a financial issue—but a discipleship one? We often view borrowing through a practical lens: interest rates, monthly payments, and payoff timelines. But Scripture invites us to look deeper. Debt doesn’t just affect our wallets—it can shape our freedom, influence our generosity, and impact our ability to respond when God calls. Understanding debt through a biblical perspective helps us see why it matters far beyond the numbers. The Weight Debt Carries Borrowing is common in modern life. Credit cards, student loans, mortgages, and business financing are often seen as normal—even necessary. And while Scripture doesn’t call debt a sin, it does consistently warn us about its burden. Proverbs 22:7 reminds us, “The borrower is the slave of the lender.” In the ancient world, that was sometimes literal. Today, while we aren’t entering servitude, the principle still applies. Debt creates obligations. It ties up future income. It can limit flexibility and shape decisions in ways we don’t always anticipate. In many ways, debt mortgages the future—affecting not just our finances, but our availability. When Debt Becomes a Discipleship Issue Debt becomes a spiritual concern when it limits our ability to follow God freely. Imagine feeling led to give generously, help someone in need, or step into a ministry opportunity—but being unable to respond because your income is already committed. That’s where debt intersects with discipleship. Romans 13:8 says, “Let no debt remain outstanding, except the continuing debt to love one another.” While Paul is primarily speaking about relational obligations, the principle carries weight: financial commitments should never overshadow our greater calling to love and serve others. So the better question isn’t simply, “Am I allowed to take on this debt?” It’s, “Will this decision increase or limit my ability to love, give, and respond to God?” Wisdom Over Permission Scripture consistently calls us beyond what’s permissible to what’s wise. In 1 Corinthians 10:23, Paul writes, “‘I have the right to do anything,’ you say—but not everything is beneficial. Not everything builds up.” Some debt may be appropriate—a modest mortgage or a thoughtfully planned business loan, for example. But much of the debt we carry isn’t driven by necessity. It often comes from impatience, comparison, or cultural pressure. When we continually borrow from the future, we may miss opportunities God places before us today. Grace for the Journey If you’re already carrying debt, the response isn’t shame—it’s grace. The gospel begins with a powerful truth: our greatest debt has already been paid. When Jesus declared “It is finished” (John 19:30), the Greek word tetelestai was often written on receipts to indicate a debt paid in full. We owed a debt we could never repay, and Christ paid it completely. That truth reshapes how we approach financial debt. We pursue repayment not out of guilt, but out of gratitude—and a desire to walk in the freedom Christ has secured for us. The goal isn’t perfection—it’s faithfulness. Start by taking an honest look at your current obligations. Not just the numbers, but how they affect your ability to live out God’s calling. From there, consider practical steps: Build or refine a budgetCreate a clear repayment planAlign your spending with your priorities Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Faithful stewardship isn’t just about getting out of debt—it’s about growing in generosity and readiness. Freedom Leads to Availability Charles Spurgeon once warned that debt “is a small beginning, but a giant’s ending.” What starts as convenience can become a chain that limits where God is leading. But freedom from debt isn’t about legalism—it’s about availability. It’s about being ready, like Isaiah, to say, “Here I am. Send me” (Isaiah 6:8). That’s the invitation: take one step. Seek wisdom. Build margin. Walk in grace. Because when God calls, the goal isn’t to say, “Maybe someday”—it’s to say, “Yes, Lord. I’m ready.” A Resource to Go Deeper If you want to explore this idea further, Rob West’s new devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship, walks through what it means to see God—not money—as our ultimate treasure. It’s available now at FaithFi.com/Shop, and if you’d like to go through it with your church or small group, discounted bulk pricing is available. On Today’s Program, Rob Answers Listener Questions: We’re both over 70 and earn about $185,000 combined. Would it be better to file taxes jointly or separately to maximize benefits?I have $300,000 in CDs and want to explore slightly higher-return options. What conservative alternatives should I consider?My tax return was rejected for missing a 1095-A, but I don’t have marketplace ...
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