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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: God Is Our Provider

    Our Ultimate Treasure: God Is Our Provider
    Jan 9 2026
    Money touches almost every corner of our lives—and often our fears. When bills rise, when income feels uncertain, and when the future feels unclear, it’s easy to slip into anxiety and assume everything depends on us. Scripture offers a better story: one where God sees, God knows, and God provides.Few things test our faith like money. Emergencies arise, markets fall, expenses rise, and the question arises: Will I have enough? Most of us respond by working harder and planning more. Diligence is wise, but beneath the effort, many carry a quiet fear that everything ultimately rests on our shoulders. Jesus invites us into something deeper—an economy rooted not in scarcity but in the character of God.In Matthew 6:26, Jesus directs our attention to the birds of the air. They do not stockpile or strategize, yet “your heavenly Father feeds them.” He doesn’t say their Father, but your Father. The One who sustains creation also sustains His people. Jesus isn’t discouraging work—He’s dismantling worry. Behind every paycheck, opportunity, and act of stewardship stands a God who provides.This truth echoes throughout Scripture. In Genesis 22, Abraham stands on a mountain, knife raised in agonizing obedience. At the final moment, God provides a ram caught in a thicket. Abraham names the place The Lord will provide—not as a memory but as a promise.In 1 Kings 17, a widow with a handful of flour and a few drops of oil prepares for her last meal. God asks her to trust Him with what little she has, and she does. Day after day, her jar and jug never run empty—not overflowing, but enough. Provision came not in abundance but in sufficiency, reminding her she was seen.Even Peter faces lack. When confronted about the temple tax, Jesus sends him to cast a line, and the first fish carries a coin in its mouth—exactly what is needed. Scripture’s pattern is unmistakable: God provides precisely, personally, and on time.Paul reaffirms this in Philippians 4:19—“My God will supply every need of yours according to his riches in glory in Christ Jesus.” He writes not to wealthy believers but to a generous church with scarce resources, reminding them that supply flows from God’s glory, not their accounts.God gives what we need, not always what we want, and not always when we expect it—but His provision is wise and rooted in love. Jesus ultimately declares, “I am the bread of life” (John 6:35). He does not merely give provision—He gives Himself. The deepest peace is not the absence of uncertainty, but the presence of a faithful Father.Where do you need to trust God’s provision today? Bring your needs, fears, and questions before Him. Ask for wisdom, peace, and strength—and stay open to the unexpected ways He may provide through people, opportunities, or renewed perspective.————————————————————————————This theme—God is our provider—is explored in greater depth in our new 21-day devotional, Our Ultimate Treasure, releasing next month. Each day focuses on a foundational truth of biblical stewardship, showing how God’s character shapes our view of money, our decisions, and our trust in Him—not as a distant observer, but as a faithful Father. It’s designed to help believers move from fear to freedom, from anxiety to peace, and from self-sufficiency to joyful dependence on Christ.If you want to receive the devotional as soon as it's released, you can become a FaithFi Partner for $35 a month or $400 a year, and we’ll send it to you as our way of saying thank you. Learn more at FaithFi.com/Partner. On Today’s Program, Rob Answers Listener Questions:I’m 58 and eligible for a three-year special catch-up contribution in my 457 plan, which would allow me to double my contributions. Should I split those contributions between my 457 and a Roth since I don’t have much in the Roth, or is it better to put everything in one? What factors should I consider?My wife and I received a legal settlement of just over $50,000 and would like to tithe. We normally give 10% to our church, but this is above our regular giving. How should we think about giving to our local church versus other ministries? Is it appropriate to allocate part of the tithe to a ministry we’re developing that will incur significant expenses?We have two daughters in their 30s who don’t really have long-term financial plans. We’d like to help by funding their Roth IRAs with $2,000 or $3,000, partly to encourage saving. Can we open the accounts ourselves, or should we transfer the funds so they can do it? Would that gift count as taxable income for them? Any recommendations?I’ve heard that if you’re on Social Security, you can’t have much in savings—something like $2,000 for singles and $3,000 for couples—or you could lose benefits. Is that true?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A ...
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    25 m
  • Another Way to Pay for Long-Term Care with Harlan Accola

    Another Way to Pay for Long-Term Care with Harlan Accola
    Jan 8 2026
    Long-term care has quickly become one of the greatest financial and emotional pressures facing American families. Rising costs, longer life expectancy, and limited insurance coverage have created a situation few retirees are prepared for. On today’s episode of Faith and Finance, Harlan Accola joins us to explore this issue. He leads the reverse mortgage team at Movement Mortgage and works closely with families navigating long-term care decisions.Accola describes long-term care as “the elephant in the room.” As Baby Boomers age and care needs rise, families are trying to balance support for aging parents with raising children and managing their own financial responsibilities. Many households avoid discussing care needs until a crisis forces difficult decisions.The numbers reveal why planning is essential. Studies estimate that between 50% and 70% of retirees will require some level of long-term care during their lives. Yet more than 90% of those individuals have not purchased long-term care insurance—and many assume Medicare will cover the cost of nursing or assisted living facilities. In reality, Medicare provides limited short-term rehabilitation benefits, while long-term care typically falls under Medicaid, which only applies once a person has depleted most of their financial assets.Costs vary widely by region, but nursing facilities can range from $80,000 to $120,000 per year, and in-home care providers may charge $30–$40 per hour. Just one or two years of intensive care can rapidly deplete savings intended to last decades in retirement.One of the most overlooked financial risks is the well-being of the surviving spouse. Accola notes that husbands often require extensive care first, and the assets used to pay for their care can leave their wives financially vulnerable after their passing. Without adequate planning, the surviving spouse may face an underfunded retirement and fewer choices for her own care needs.To address this gap, families are encouraged to expand their planning tools. One strategy Accola highlights is to tap housing wealth through reverse mortgages. Because many retirees have significant equity tied up in their homes, a reverse mortgage can unlock funds without requiring monthly payments. These tax-free dollars can be used to pay for in-home care, cover long-term care insurance premiums, or bridge the gap between retirement income and care costs. It also allows individuals to remain at home longer—often delaying or avoiding the need for costly facility care—and preserves retirement accounts for the surviving spouse.Accola emphasizes that reverse mortgages are not a universal solution, but they should be included in the suite of planning options that families evaluate, alongside insurance, savings strategies, and Medicaid planning. Far too many households ignore the issue entirely or assume Medicare will handle it.As long-term care needs continue to rise, proactive planning is no longer optional. Exploring the full range of financial tools available can reduce stress, protect surviving spouses, and provide dignity and stability during the later stages of life.On Today’s Program, Rob Answers Listener Questions:I’m 66 and plan to retire at 70. I can take full Social Security at 66 and 10 months. Should I start benefits now while continuing to work full-time, or wait? If I take it now, should I place the funds in an IUL, an IBC strategy, or invest through my Edward Jones account?I’ve borrowed from my 401(k) several times over the past decade and paid myself interest. Since I hate paying interest on loans like auto loans, is borrowing from my 401(k) a better option than taking a regular loan? If an auto loan is at 5–6%, would it be better to borrow directly from the bank?If I make small extra payments each month on my mortgage and loan, is that roughly equivalent to making a single lump-sum principal payment each year, or does the timing make a difference?I have a question about IRA beneficiaries. If someone inherits an IRA, what would the tax implications be, and is there a better way to pass the money on than simply naming a beneficiary?My husband and I are 45 and 50, and we’re considering a 1031 exchange on a property with about $250,000 in capital gains and $15,000 remaining on the mortgage. Should we move forward with the exchange, or would a different strategy make more sense?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom 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 Family Radio. You can also visit FaithFi.com to connect with our online community and partner ...
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    25 m
  • Shaping Your Kids’ Financial Foundation with John Cortines

    Shaping Your Kids’ Financial Foundation with John Cortines
    Jan 7 2026
    Kids are always watching—especially when it comes to money. Every purchase, every act of generosity, and every expression of contentment quietly shapes how children learn to view God’s provision.To help us think more clearly about this, John Cortines joins us today on Faith and Finance. John serves as Director of Partnerships and Growth at the McClellan Foundation and is a longtime contributor to FaithFi. Through his writing and teaching, he helps families see how God’s Word speaks into every part of life—including how we disciple our children through everyday financial decisions.John begins with Deuteronomy 6, where God calls parents to teach His ways diligently—when sitting at home, walking along the road, lying down, and getting up. Financial discipleship, John explains, isn’t a one-time lesson or a class on money management. It’s a daily, relational process, woven into the ordinary rhythms of life. Money is one of the most tangible tools we have to shape a child’s heart toward God.While financial literacy matters, John emphasizes that values are formed long before kids understand budgets or compound interest. Children absorb what they see modeled: trust or anxiety, gratitude or discontentment, generosity or accumulation. The goal isn’t simply to raise financially capable adults, but to form hearts that love God more than possessions and find joy in contentment.One powerful way to do this is through storytelling. Scripture itself teaches through stories, and our own financial experiences can become formative lessons. Instead of merely stating principles—such as saving or trusting God—parents can share concrete stories about God’s provision, seasons of sacrifice, financial mistakes, or generous obedience. Honest, age-appropriate conversations help children connect everyday money decisions to God’s ongoing faithfulness.John also encourages families to celebrate generosity. Giving shouldn’t feel hidden or transactional. Families can pause to reflect on the causes they support, pray together over gifts, and thank God for the opportunity to be a blessing. Even in a digital age, involving children in the act of giving helps generosity become joyful and memorable.Ordinary financial milestones—paying off debt, saving for a goal, buying a car—are also rich teaching moments. Explaining the patience, planning, and prayer behind those milestones helps children see stewardship as a long-term, faith-filled process.Contentment also plays a critical role. Children learn what satisfies us by listening to our words and watching our attitudes. When gratitude and trust in God’s provision are modeled—even in imperfect circumstances—children learn a healthier posture toward money.The takeaway is simple but profound: if we want wise stewards tomorrow, we must model faithful stewardship today. Look for one teachable moment this week and invite your children into the story of how God is shaping your faith—and your finances—together.On Today’s Program, Rob Answers Listener Questions:My husband has had a group universal life insurance policy through his job for over 20 years. We’re both about 65 now, and I’m wondering what the best next step is—should we keep the policy, convert it, or consider a different option?I’m retired from law enforcement and have a Tennessee Consolidated Retirement System pension that is currently earning approximately 5% now that I’m no longer contributing. I’m currently working elsewhere and have a 401(k). Should I leave my law enforcement retirement where it is, or roll it into my new employer’s plan?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)The Real Stakes of Sports Betting (Article by Kyle Worley in Faithful Steward)Wisdom 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 Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    25 m
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