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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
  • A New Perspective for the New Year With Chad Clark

    A New Perspective for the New Year With Chad Clark
    Jan 2 2026
    It’s only day two of the new year. How are those resolutions holding up?Every January, many of us recommit to eating better, exercising more, or finally getting our finances on track. And yet, most resolutions fade long before winter does. The issue usually isn’t a lack of desire—it’s a lack of accountability and perspective.That’s especially true when it comes to budgeting. Managing money well requires more than good intentions. It requires clarity about why we’re doing it and a system that supports us day by day.To explore that idea, we sat down with Chad Clark, Chief Technology Officer at FaithFi, to discuss what actually helps people follow through on their financial goals.Why Budgeting Often Feels Like a DietChad shared an observation from years of building budgeting tools: many people view a budget the same way they view a diet. They know it’s necessary, but it feels restrictive, temporary, and easy to abandon when life gets busy.The problem usually isn’t the budget itself. It’s the missing “why.”You may know what you want to do—get out of debt, save more, or give generously—but without a compelling reason behind it, the motivation fades quickly. Sustainable habits require more than goals; they need purpose.For believers, Scripture gives us a clear foundation for our financial “why.” Psalm 24:1 reminds us, “The earth is the Lord’s, and everything in it.” God owns it all. We don’t.That truth reshapes budgeting entirely. If God is the owner, then our role is stewardship—managing what He has entrusted to us for His purposes.But Chad introduced an important distinction: how we view God as owner matters just as much as recognizing His ownership.Passive Owner vs. Active OwnerChad used a helpful analogy. Imagine managing a coffee shop for someone else.A passive owner hands you the keys, says, “Good luck,” and disappears. You make every decision on your own, unsure what the owner really wants.An active owner, on the other hand, says, “Call me anytime. I’m here to help.” That owner stays engaged, offers guidance, and shares responsibility.Many of us unknowingly treat God like a passive owner—assuming He’s uninvolved in our day-to-day money decisions. But Scripture paints a different picture. God desires to be an active owner, guiding us through the Holy Spirit as we seek wisdom and direction.That realization lifts a heavy burden. We’re not meant to figure it all out on our own.When we see God as an active owner, budgeting stops being a rigid rulebook and becomes a practical tool for faithful stewardship.A budget isn’t the goal—it’s the means. It helps us manage the King’s resources wisely, align our spending with our values, and make intentional decisions rather than reactive ones.Without this perspective, budgeting can feel overwhelming or pointless. With it, budgeting becomes an act of faithfulness.Why Systems Matter More Than WillpowerAnother key insight Chad shared: budgeting isn’t about finding the perfect method—it’s about having a system.People manage money differently. Some thrive with detailed categories. Others prefer broader guardrails. The important thing is consistency, not complexity.That’s why the FaithFi app was designed with multiple budgeting systems, including a digital version of the classic envelope method many longtime listeners recognize. The goal isn’t to force everyone into the same mold, but to help each person find a system that fits their habits and personality.Over time, that system becomes part of daily life—like your morning cup of coffee. When you’re not checking in with it, you can feel that something’s off.Budgeting Together as a CoupleChad also shared how using a budgeting tool transformed his own marriage. Early on, money was their most significant source of conflict—even though he considered himself “the finance guy.”Once they started using a shared system, the conversation changed. Instead of arguing, they could see the same information, talk openly, and make decisions together. Budgeting became a way to pursue unity, not tension.For couples, shared visibility and accountability can be a powerful gift.If You’ve Tried Before and Given UpIf budgeting feels exhausting—or if you’ve tried and failed before—Chad’s encouragement was simple: don’t give up.Often, past frustration stems from using tools that were too rigid or didn’t align with how you’re wired. With the right system, guidance, and support, budgeting can become sustainable—and even freeing.If one of your New Year’s resolutions is to get your finances back on track, remember this: lasting change starts with perspective, not pressure.When you begin with God as the active owner and see budgeting as a tool for stewardship, everything changes. And with the right system in place, you don’t have to walk that road alone.You can learn more or download the FaithFi app at FaithFi.com and take a meaningful step toward...
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    25 m
  • S.M.A.R.T. Financial Resolutions for the New Year

    S.M.A.R.T. Financial Resolutions for the New Year
    Jan 1 2026
    Every January, millions of people set fresh goals: eat healthier, exercise more, or get their finances in better shape. These are good and worthy aims. Yet studies consistently show that most resolutions fade within a few weeks.So if this is the year you want to steward money more wisely—get out of debt, save consistently, or live with greater margin—what actually helps habits last beyond January?The answer isn’t more motivation. It’s a better foundation.Why Good Intentions Aren’t EnoughResolutions often fail for predictable reasons. We set goals that are vague or unrealistic. We don’t connect them to a meaningful “why.” Or we jump in without a system to support change. When life gets busy or discouraging—as it always does—old habits quickly take over.If you’ve ever tried to stick to a spending plan, curb impulse purchases, or make steady progress on debt, you know those difficult moments will come. Lasting change doesn’t happen by hoping harder. It happens when old patterns are replaced with new, intentional habits.The Power of a PlanOne of the most common reasons financial resolutions fail is simple: we try to change without a plan. But you can’t hope your way into better money habits.A spending plan turns good intentions into clear, practical choices. It gives your money direction and helps automate progress so your goals become part of everyday life—not just something you think about when motivation is high.More than that, a plan allows you to steward what God has entrusted to you with purpose and clarity, rather than relying on willpower alone.Accountability Makes Progress StickWe were never meant to pursue growth in isolation. Accountability strengthens resolve and keeps discouragement from becoming defeat.Invite a trusted friend to check in with you regularly. Make it a family goal to reduce spending or save consistently. Celebrate wins together—and when you fall short, don’t quit. Reset and keep going.Stewardship is a journey, not a single moment of success.Willpower Isn’t Enough—You Need God’s StrengthEven with a solid plan, many people still struggle to keep their resolutions. Often, it’s because they’re trying to do it all in their own strength.Lasting change requires spiritual power, not just discipline. Scripture reminds us of this truth:“No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it.” — Hebrews 12:11New habits often feel uncomfortable at first. A budget can feel restrictive. Cutting back can feel frustrating. Saying no to impulse purchases can feel like a sacrifice. But God promises that discipline rooted in faith produces something beautiful over time—peace, stability, and a life aligned with His wisdom.That’s why prayer matters. Ask God to reshape your desires, guide your decisions, and strengthen you when the novelty wears off. If you’re married, pray together, inviting the Lord to give you unity as you pursue shared financial goals.Build S.M.A.R.T. Financial GoalsOnce your plans are grounded in prayer, structure matters. One of the most effective ways to build that structure is by setting S.M.A.R.T. financial goals—goals that are:SpecificDon’t say, “I want to save more.” Say, “I will save $100 each month.” Clear goals are easier to follow.MeasurableTracking progress keeps you motivated. Seeing balances change and debt shrink builds momentum.AchievableDon’t expect to undo years of financial strain in a few weeks. Small wins compound over time—and they prevent discouragement.RealisticDream boldly, but plan honestly. Your goals should reflect your actual income and expenses—not depend on debt to fill the gaps.TimelyEvery goal needs a timeframe. Whether you’re saving, paying down debt, or building margin, set milestones and review your plan regularly to adjust and keep moving forward.A Better Measure of SuccessAs you set financial goals for the new year, remember that every number tells a story—about God’s provision, your heart’s priorities, and the opportunities He gives you to bless others.Success isn’t measured by how much you accumulate, but by how clearly your finances point to Jesus as your ultimate treasure.If you’d like help building habits that last, the FaithFi app is designed to help you create a plan, track progress, and stay encouraged along the way. You can find it in your app store or visit FaithFi.com to learn more.Faithful stewardship isn’t about perfection—it’s about steady, surrendered steps forward.On Today’s Program, Rob Answers Listener Questions:A credit card company is suing a family member over about $12,000 in debt. His wages are now being garnished, and he’s worried about losing his home and damaging his credit. His wife ran up the debt without his knowledge. Is there any advice I can give him? Would filing for bankruptcy stop the wage garnishment, or is it...
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    25 m
  • Resolutions that Last with Taylor Standridge

    Resolutions that Last with Taylor Standridge
    Dec 31 2025
    A new year often inspires fresh resolve. We plan more carefully, set ambitious goals, and commit to making this time different. But year after year, many resolutions quietly fade—not because people lack sincerity, but because most change efforts rely on willpower alone.That’s where a deeper, more biblical approach to change comes in.Today on Faith & Finance, I sat down with Taylor Standridge, Production Manager at FaithFi and lead writer of Our Ultimate Treasure and Look at the Sparrows, to explore why so many resolutions fail—and what Scripture reveals about change that truly lasts.Why Willpower Isn’t EnoughTaylor explained that most resolutions fade because they’re built on effort rather than formation.“Willpower is a limited resource,” Taylor said. “We assume that if we just try harder or become more disciplined, we’ll finally become the person we want to be. But once motivation wears off, or life gets stressful, old patterns take over.”According to Taylor, the problem isn’t that people set bad goals—it’s that they try to change actions without addressing identity. Without a deeper shift in what we value and who we believe we are, even the best intentions eventually lose momentum.“We may change what we do for a while,” Taylor said, “but if we don’t change the kind of person we’re becoming, those changes won’t last.”Behavior Change vs. Identity TransformationTaylor drew a helpful distinction between modifying behavior and experiencing true transformation.“Behavior change is about effort—showing up, pushing through, saying no,” he said. “But identity transformation reshapes our desires and motivations. It changes why we choose what we choose.”That’s why FaithFi emphasizes the idea that behavior follows belief. When change focuses only on habits, goals often end once they’re achieved. But when change is rooted in identity, it cultivates a way of life that continues beyond any milestone.“It’s the difference between acting healthy and becoming the kind of person who naturally chooses health,” Taylor explained.How Identity Changes the Way We Set GoalsTo illustrate, Taylor pointed to health resolutions—one of the most common goals people set each year.“A behavior-based goal might be, ‘I want to lose 20 pounds,’” Taylor said. “That’s fine—but once the weight is gone, the motivation often disappears.”An identity-based goal asks a deeper question: What kind of person do I want to become?“When someone says, ‘I want to honor God by caring for the body He’s given me,’ everything changes,” Taylor said. “Now the goal isn’t just a number—it’s a lifestyle.”Identity-driven goals last because they’re rooted in purpose, not pressure.Applying Identity to Financial ResolutionsTaylor said this approach is especially powerful when applied to financial goals.“Let’s say someone wants to pay off $20,000 in debt,” he said. “That’s a great goal—but it becomes far more meaningful when it’s rooted in identity.”Instead of focusing solely on eliminating debt, Taylor encouraged believers to frame their financial goals around stewardship.“When someone says, ‘I want to be a wise steward so I can live with freedom and give generously,’ the goal becomes formative,” he explained. “That identity continues shaping decisions long after the debt is gone.”According to Taylor, identity-based stewardship influences spending, saving, giving, and long-term financial faithfulness—not just one year’s resolution.Scripture Shows That Change Starts in the HeartTaylor pointed out that this inward-first approach isn’t a modern idea—it’s woven throughout Scripture.“God has always been after our hearts, not just our habits,” Taylor said. “Israel had clear commands, but having the law wasn’t enough. Their hearts were unchanged, so their lives were unchanged.”That’s why God promised to give His people a new heart and a new spirit. Taylor noted that Jesus echoed this truth when He taught that a tree is known by its fruit—what we produce flows from who we are.“God isn’t impressed by performance alone,” Taylor said. “He desires people who trust Him and live out of that trust.”The Holy Spirit Makes Lasting Change PossibleTaylor emphasized that true transformation is not self-generated—it’s Spirit-empowered.“External rules can restrain behavior, but they can’t renew desires,” he said. “The new heart God gives doesn’t just help us try harder—it reorders what we love.”Under the new covenant, believers don’t rely on their own strength to change. Instead, the Holy Spirit reshapes desires and produces fruit like self-control, patience, and faithfulness.“These qualities are called the fruit of the Spirit for a reason,” Taylor said. “They grow naturally as we remain rooted in Christ.”As the new year begins, Taylor encouraged believers to start with prayerful reflection rather than ...
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    25 m
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