Episodios

  • Generosity Lessons from Joanna with Sharon Epps
    Nov 28 2025
    “We love because He first loved us.” — 1 John 4:19Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don’t start by giving—we start by receiving.In this spirit, Sharon Epps, President of Kingdom Advisors, joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like.Women Who Supported JesusLuke 8 opens with a glimpse into Jesus’ ministry on the move:“Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” — Luke 8:1–3These women formed part of Jesus’ traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources.Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod’s household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation.Receiving Always Comes Before GivingBefore Joanna gave to Jesus, she received from Jesus.Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus’ ministry. It reminds us that money alone can’t solve the deepest problems of the heart. We all begin our stewardship journey by receiving.At the most basic level, every good thing in our lives is a gift from God:The breath in our lungsThe abilities we developThe resources we holdThe love we experienceAs Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing.Giving, then, is designed to be a response—a natural overflow of gratitude.Joanna’s Love for JesusJoanna’s story doesn’t end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus’ words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles.Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life.Generosity as a JourneySharon suggests that generosity is never a one-time event—it’s a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love.To make this practical, Sharon shared three questions she’s been asking herself—questions all of us can ask:1. What do I need to recognize as a gift from Christ before I can give generously?Do I see what’s in my hands as mine—or as His?2. Is my giving safe or sacrificial?Does my generosity reflect comfort… or love?3. What does my current giving say about how well I’ve received?Giving reveals the condition of the heart.These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving.Becoming Conduits of Christ’s LoveJoanna’s life encourages us to see generosity not as a duty but as a joyful response to God’s grace. As Sharon put it, her prayer—and ours—is to “receive so well that we become conduits of Christ’s love through generosity.”May we, like these remarkable women, offer our resources, time, and lives with open hands—recognizing that every gift we give begins with the gift we’ve already received in Christ.On Today’s Program, Rob Answers Listener Questions:I’m considering taking 72(t) withdrawals from my 401(k) in a couple of years as I retire and begin consulting. Should I plan on withdrawing around 5% annually, and if so, should I keep the money invested in stocks to aim for the usual 9–11% returns?My husband and I need about $8,000 and are debating whether to pull it from my 403(b), use benefits from his part-time retirement job, or tap a small annuity worth $3,000–$4,000. We want to pay off some credit cards and finish a car loan with three months left. What’s the best source to use?We inherited enough money to either pay off our mortgage or cover about three-quarters of our daughter’s student loan. The amounts are similar, and our mortgage is mostly principal now. I’m 61. Which payoff makes the most sense?I started my Social Security retirement benefits at age 70 this June. My younger husband reaches full retirement age next July. Can he take a spousal benefit ...
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  • The Story of Thanksgiving
    Nov 27 2025
    Happy Thanksgiving! As you gather with family and friends today, we hope your hearts are filled with gratitude to God for His many blessings. While Thanksgiving is a treasured tradition for us, its roots stretch back more than 4 centuries. Who gathered at that first feast in 1621? Why were they there? And what exactly were they giving thanks for?Let’s take a closer look at the remarkable story of the Pilgrims—one of enduring faith, sacrifice, and God’s gracious provision.Who Were the Pilgrims?Most of us learned in grade school that the Plymouth Colony—located in present-day Massachusetts—was founded in 1620 by a group we know as the Pilgrims. These settlers, also called Separatists, longed to break away entirely from the Church of England, believing it had drifted from biblical teaching. Their commitment to worship according to Scripture set them on a courageous journey toward religious freedom.Nearby, the Puritans would establish the Massachusetts Bay Colony in 1630. While they shared many beliefs with the Pilgrims, their approach differed. The Puritans remained within the Church of England, seeking to reform it from within. Though their strategies diverged, the stories of these two groups are deeply intertwined in the early chapters of American history.The Pilgrims faced significant persecution in England for worshiping outside the established church. Holding fast to the Bible as their ultimate authority made them targets. In 1609, seeking refuge, they fled to Leiden, Holland. Yet even there, challenges persisted—some were arrested, and the freedom they sought still felt out of reach.Recognizing Europe would not offer the spiritual liberty they longed for, they made a bold and costly decision: to sail to the New World. About 120 men, women, and children boarded the Mayflower. While some passengers—known as “adventurers”—joined the voyage for economic opportunity, the Pilgrims’ primary aim was clear: to worship freely and build a life rooted firmly in their faith.Hardship Upon ArrivalTheir journey across the Atlantic was long and brutal. Delays meant they arrived in November—not summer—leaving no time to plant crops. That first winter, remembered as “the starving time,” was devastating. Nearly half the group died from disease and lack of food.Still, in God’s providence, the Pilgrims formed a gracious relationship with local Native Americans. A Native American named Squanto—who had learned English years earlier—became a critical ally. He taught them how to plant corn, where to fish, and how to survive in an unfamiliar land. His guidance helped bring the colony through that difficult first year.With Squanto’s help, the Pilgrims planted crops in the spring of 1621 and harvested enough that fall to sustain their small community. To honor God for His provision, they invited their Native American neighbors to join them in a feast of thanksgiving.By that point, only 22 men, four married women, and 25 teenagers and children remained from the original group. Their guests nearly doubled the gathering, bringing food and friendship—resulting in what may have been America’s first potluck meal. Together, they celebrated survival, provision, and the kindness of God expressed through unexpected relationships.A Legacy of FaithYears later, Plymouth’s longtime governor, William Bradford, reflected on their experience in Of Plymouth Plantation, quoting Hebrews 11:13–16 to describe the Pilgrims’ faith:“All these people were still living by faith when they died… They were looking for a country of their own… longing for a better country—a heavenly one. Therefore God is not ashamed to be called their God, for He has prepared a city for them.”For the Pilgrims, this passage captured the heart of their journey. They understood that their true home was not a piece of land or a colony—they belonged to God. Their courage, perseverance, and gratitude were expressions of that eternal hope.As we celebrate Thanksgiving today, may we remember this story of faith under pressure, resilience in hardship, and gratitude rooted in God’s unwavering provision. The freedoms we enjoy—especially the freedom to worship—come through the sacrifices of those who came before us.From all of us at FaithFi, we wish you a warm, joyful, and grace-filled Thanksgiving. May your day be filled with gratitude for God’s goodness and confidence in His faithful care.On Today’s Program, Rob Answers Listener Questions:My question is about the so-called ‘Dollar 2.0’ and the new S.1582 bill. How might this impact our currency? I’m retired and concerned about my savings.My dad recently passed away and left me and my siblings money in an IRA. We’re being told we need to set up inherited IRAs to receive it. What exactly is an inherited IRA, and is that our only—or best—option?I run a construction company and also helped start a nonprofit. Can I legally pay myself a salary from the nonprofit...
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  • Teaching Kids Money and Identity in Christ with Brian Holtz
    Nov 26 2025
    Raising children to navigate money wisely is about far more than dollars and cents. It begins with shaping their hearts, grounding their identity in Christ, and helping them understand the true source of their worth. As parents and mentors, we all want the next generation to develop a biblical foundation for both money and identity—because the two are more connected than we often realize.Today, Brian Holtz, CEO of Compass Financial Ministry, joins us to share insights from a new resource designed to help families do exactly that. Right From the Start targets a key age group—kids 11 to 15—who are forming lifelong beliefs about God, themselves, and the world.Why Middle School Matters So MuchAccording to Brian, this project was born out of recognizing a real discipleship gap. Plenty of resources exist for young children and high schoolers, but middle schoolers often fall between the cracks. Yet this is the stage when they’re actively forming their worldview—including their beliefs about money, success, and identity.Right From the Start helps students discover that their value is rooted in being made in the image of God—not in what they own, how popular they are, or how well they perform. This biblical truth becomes the foundation for every financial principle they learn.Six Themes to Form Faith and FinancesThe study covers six core chapters:IdentityGivingSavingSpendingBuilding on Your FoundationFinishing WellEach topic is presented through a biblical lens and paired with hands-on activities, daily lessons, memory verses, and “life hacks”—simple, practical challenges that help students put truth into action.The goal, Brian shared, is to make faith and finances personal, relevant, and fun.Helping Students Understand Their Identity in ChristThe very first chapter lays the theological foundation. Students read passages like Genesis 1 and Psalm 139 to understand that they are created intentionally, lovingly, and wonderfully by God. Their worth does not rise or fall with their circumstances.Once children grasp this truth, giving, saving, and spending stop being merely financial tasks. They become acts of worship—ways to honor the God who made them.Turning Principles Into Habits: A Look at the “Life Hacks”One of the most beloved activities is the simple “three jars” method. Students divide the money they earn or receive into:GivingSavingSpendingThis visual, tactile tool transforms abstract concepts into daily habits. Parents particularly love it because it creates space for conversations about generosity, gratitude, and wise choices.How Families and Churches Can Use This ResourceRight From the Start is designed for flexibility. It works well:At homeIn youth groupsIn Christian schoolsA student book and a leader’s guide make it accessible for parents, teachers, and ministry leaders alike. And while it fits naturally around the holiday season—when spending pressure ramps up—it can be used any time of year.Why Modeling Matters MostHoward Dayton often said parents should seek to be “MVP parents”—Modeling, Verbalizing, and Practical Application. Brian agreed that “more is caught than taught.” Kids need to see generosity lived out, hear why we handle money the way we do, and have opportunities to practice it themselves.Brian shared one practice from his own home: allowing kids to make real financial decisions with real consequences. If they choose to buy a treat today, they may not have money for something they want tomorrow. That gentle exposure to cause and effect builds wisdom, gratitude, and maturity.The Greatest Financial Lesson You Can TeachHelping your children understand who they are in Christ may be the most valuable financial lesson they will ever learn. A secure identity shapes how they give, save, spend, and steward their resources for the rest of their lives.To learn more about Right From the Start and how to bring it into your home or ministry, visit CompassFinancialMinistry.org.On Today’s Program, Rob Answers Listener Questions:I’m 64, planning to wait until 67 to take Social Security, and our only debt is the house. We’re torn about whether to pay off the mortgage. Our income is tight enough that we couldn’t easily replace a vehicle if one broke down. My wife has researched this through Sound Mind Investing, but still feels stuck, so I’m calling on her behalf.I run a trucking company, and one of my customers didn’t send me a 1099. They said they don’t have to. My wife and I already paid taxes on that income last year. Do I still need to report the money I earned from that client?I recently left full-time nursing and now work part-time to keep my license. I have two IRAs from past jobs, and now another 401(k) from the job I just left. They’re asking me to move it somewhere—should I roll it into an existing IRA or consider a different option?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Right ...
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  • The Genius of Generosity with Chip Ingram
    Nov 25 2025
    Most of us think of generosity as a sacrifice—something that costs us. But what if giving is actually one of the wisest, most joy-producing ways to live? When we open our hands, God not only blesses others through us—He transforms us in the process.That idea lies at the heart of Chip Ingram’s book The Genius of Generosity, and it’s why we were grateful to welcome him to the program. Chip is the founder, teaching pastor, and CEO of Living on the Edge, a discipleship ministry helping believers live like Christians every day.A Story That Changes EverythingChip’s understanding of generosity was forever shaped by a man named John—a seventy-year-old accountant who invited Chip, then a young pastor, to lunch one day. After the meal, John handed him a small white box. Inside was a checkbook labeled Pastor’s Discretionary Fund.John said, “Chip, here’s what I’d like you to do. Carry this checkbook with you every day. Anytime you see a need that Jesus wants to meet—or that you think I’d want to help with—write a check.”Chip was stunned. He barely knew how to manage his own finances, let alone someone else’s. But John invited him back three times each year to review every check. And so Chip began paying attention to needs around him—fueling a single mom's car, providing groceries for a struggling family, restoring electricity for another.Over time, something unexpected happened:Chip handled John’s money more carefully than his own.He found himself eager to spot needs.And a deep friendship formed between two men who had nothing in common except a commitment to generosity.Years later, Chip realized the deeper lesson: What John did for him is what God does for all of us. We manage resources that are not ours. We steward what belongs to the King.That realization became the seed for The Genius of Generosity.Why Generosity Is More Than a VirtueChip told me that generosity didn’t just change his financial habits—it changed his life. He began seeing giving as an adventure. He describes generosity as a “gateway to intimacy with God,” a doorway into deeper trust and joy. The more he gave, the more he saw God show up.And interestingly, secular research agrees. Chip noted that even if the Bible didn’t exist, studies consistently show:Generous people are happier.They enjoy stronger relationships.They live longer and experience greater satisfaction.Why? Because generosity is a creative, life-giving act. It aligns us with how God designed the world.Generosity Connects Us—to God and to OthersJesus taught that wherever our treasure goes, our hearts follow. So every act of giving is spiritual formation. It’s discipleship.And generosity builds unexpected bonds with others. Chip shared the story of a homeless man he saw regularly at a bagel shop. For months, the man never responded to Chip’s greetings. One morning, Chip quietly bought him a coffee and a bagel. Minutes later, the man spoke—opening up about his life, his experiences, even pointing out the rare appearance of Venus in the sky.A simple act of kindness became the doorway to relationship and transformation.These moments, Chip says, are all around us if we have “our antenna up and our eyes off our phone.”Chip also told a story of a moment when God prompted him to give a six-figure gift—an amount he didn’t feel he had. The Lord reminded him, “Do you think I can’t replenish what you give?” Over the years, Chip has seen God refill what he gives away again and again, sometimes miraculously.That’s the adventure of generosity: you can’t out-give God.What If You Feel Like You Have Little to Give?Chip’s encouragement is simple: “Start small. It’s your view of God that needs to change, not your circumstances.”You don’t wait until you’re wealthy or “more spiritual” to begin giving. You practice generosity today—right where you are—and watch God grow your heart.The Genius of GenerosityIn the end, generosity is not about losing. It’s about gaining—freedom from fear, deeper trust in God, richer relationships, and greater joy.When we give, we reflect the heart of the ultimate Giver. We discover that everything we have belongs to God—and that He delights to pour His blessings through open hands.To learn more about Chip Ingram and The Genius of Generosity, visit LivingOnTheEdge.org.On Today’s Program, Rob Answers Listener Questions:I already have a will, but a company that visited our church said I also need a trust—and they quoted me $3,000 to set everything up. Do I really need a trust? They said that without a trust, my kids could spend months or years in probate and might have to fight over things. That made me nervous—so now I’m wondering if I really do need one.I’ve heard you explain capital gains when someone buys a home, but how does it work if you build your home and only have a small HELOC? So if my house is worth about $400,000 and I sold it… How would that be calculated? I...
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  • Generosity Through the Ages
    Nov 24 2025
    One of the clearest signs that God has changed a person’s heart is generosity. Scripture makes it plain: giving isn’t merely an act—it’s a reflection of God’s own character. As believers, we give not because we have to, but because God has given richly to us.Today, we explore what the Bible says about generosity and highlight timeless wisdom from Christian voices throughout history. Their words still inspire us today to give joyfully, sacrificially, and with hearts shaped by the gospel.A Biblical Vision of GenerosityThe Bible paints a sweeping picture of generosity—one that reaches far beyond financial giving.Generosity Begins with CompassionJesus taught, “Whoever has two tunics is to share with him who has none, and whoever has food is to do likewise.” Generosity starts with seeing the needs right in front of us and responding with compassion, humility, and love.Giving Flows from the HeartThe apostle Paul reminds us that our gifts should reflect the posture of our hearts: “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Generosity isn’t measured by the amount of money given, but by the joy, gratitude, and trust behind it.Generosity Reflects God’s CharacterPsalm 112 connects generosity to righteousness itself. Giving is not just something Christians do—it becomes part of who we are when our lives are aligned with God’s heart.Timeless Christian Wisdom on GivingThroughout the centuries, believers have wrestled with what it means to give faithfully. These quotes reflect deep biblical conviction and continue to encourage us today.C. S. Lewis“I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare.”Lewis reminds us that generosity stretches us—it costs something. Yet in that stretching, God grows us.John Wesley“Do all the good you can, by all the means you can…as long as ever you can.”Wesley captures the spirit of a life poured out for God: comprehensive, intentional, and relentless generosity.A. W. Tozer“Any temporal possession can be turned into everlasting wealth. Whatever is given to Christ is immediately touched with immortality.”Our giving invests in eternity, turning temporary resources into lasting treasure.Billy Graham“Tell me what you think about money, and I will tell you what you think about God… A man’s heart is closer to his wallet than anything else.”Graham’s words challenge us to consider how closely our financial decisions reveal our spiritual values.Evelyn Underhill“The spirit of adoration is the spirit of generosity, for worship is giving.”True generosity flows out of worship—a recognition that everything we have is a gift from God.Randy Alcorn“Giving affirms Christ’s lordship. It dethrones me and exalts Him.”Giving reorders our priorities. It loosens our grip on earthly security and strengthens our trust in Christ.St. Augustine“Charity is a virtue which…unites us to God, for by it, we love Him.”For Augustine, generosity wasn’t just an action—it was spiritual formation.Amy Carmichael“You can give without loving, but you cannot love without giving.”Our giving is evidence of Christ’s love alive in us.St. Paula of Rome“The more we give to Christ, the more we possess Him.”Generosity deepens our fellowship with Christ, reminding us that He is our true treasure.Jesus ChristWhen sending His disciples, Jesus said: “Give as freely as you have received.” (Matthew 10:8)All Christian generosity begins here—in response to His grace.Giving as a Reflection of the GospelWhen we give, we echo the heart of the ultimate Giver. Jesus held nothing back—not even His own life. Generosity isn’t defined by the size of the gift but by the surrender of the heart.Every act of giving becomes a small reflection of the love of Christ in us.At FaithFi, we’re committed to helping you integrate your faith and finances in a way that reflects God’s glory. That’s why each issue of our Faithful Steward magazine is designed to encourage you to:Live wiselyGive generouslySee God as your ultimate treasureWhen you become a FaithFi Partner by December 31, you’ll receive all four issues of Faithful Steward—plus our brand-new devotional, Our Ultimate Treasure, releasing early next year. Learn more at FaithFi.com/Partner.On Today’s Program, Rob Answers Listener Questions:I’m in the process of redoing my will—this is actually the second attorney I’ve worked with—and I want to leave my house to my daughter, who’s on SSDI. The attorneys I’ve spoken with both mention trusts, but they offer different opinions, which is confusing. What would you recommend? Also, I still owe about seven years on the mortgage at a 3.75% interest rate. Should I pay it off now or keep making payments?How should I advise my 19-year-old granddaughter on investing? Right now, she saves her cash in an envelope...
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  • Generosity That Grows Our Faith with Dr. Art Rainer
    Nov 21 2025
    Money can so easily capture our hearts. It promises security, comfort, and control—but often leaves us anxious and striving for more. Yet when we give, something remarkable happens. We’re declaring our dependence on God, not our bank accounts.Dr. Art Rainer—founder of the Institute for Christian Financial Health and author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose—joined us recently to explore how generosity becomes an act of trust that transforms our hearts and deepens our faith.Money Reveals the HeartLarry Burkett often said, “Every spending decision is a spiritual decision.” Dr. Rainer agrees.“Jesus said, Where your treasure is, there your heart will be also,” Art explained. “The Bible makes it clear—money management reflects heart management.”Scripture contains over 2,000 verses about money and possessions. Why? Because few things so clearly reveal what—or whom—we truly trust. For believers, the central question is this: Do we believe God’s promises about provision, and are we willing to surrender this area of life to Him?Giving as an Act of TrustDr. Rainer describes giving as a tangible expression of faith. “God doesn’t tell us to give and then leave us hanging,” he said. “He ties promises to generosity.”Those promises fall into three beautiful truths—God will provide, multiply, and enrich.1. God Promises to ProvideIn Malachi 3:10, the Lord declares:“Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, I will open the windows of heaven for you and pour out a blessing so great you won’t have enough room to take it in. Try it! Put me to the test!”“God invites us to trust Him,” Art said. “He promises to pour out an abundance of blessings—not necessarily material wealth, but blessings that can be spiritual, relational, or emotional. Maybe it’s the contentment you’ve been chasing for years, or the joy of being part of something far greater than yourself.”2. God Promises to MultiplyIn John 6, a young boy offers his five loaves and two fish to Jesus—hardly enough to feed five thousand hungry people. Yet Christ multiplies that small gift until everyone is satisfied, with twelve baskets left over.“Many of us feel like that boy,” Art said. “We look at our meager resources and wonder, What difference can this make? But God is a God of multiplication. He can take whatever you give and expand it to accomplish His purposes. That’s His promise—but it requires trust.”3. God Promises to EnrichWho doesn’t love a good return on investment—or ROI? “God does too,” Art said.In 2 Corinthians 9:11, Paul writes, “You will be enriched in every way so that you can always be generous.”“God gives so that we can give,” Art continued. “He blesses so that we can bless others. He’s looking for conduits of generosity—people through whom His blessings can flow. When we live that way, generosity becomes not just a habit, but a way of life.”Trusting God With Your MoneyAs Dr. Rainer summed it up:“Generosity is an act of trust. It shifts our hearts from reliance on ourselves and money to reliance on God. If you’re a Christian, you’ve already trusted Him with your soul. It’s time to trust Him with your money.”When we give generously, we’re not losing—we’re investing in eternity. We’re saying, “Lord, I believe You are my provider.” And that’s one of the clearest ways to live out genuine faith.Learn more about Dr. Art Rainer’s work at ChristianMoneySolutions.com.On Today’s Program, Rob Answers Listener Questions:I’m 69 with no debt and considering a whole life insurance policy—$100,000 with premiums for 10 years—to leave tax-free money to my children. I already have a term policy that ends at 75. I also have $28,000 in an underperforming annuity with no surrender charge, and was advised to do a 1035 exchange into a new annuity at 4.65% for seven years. I’ve also invested in CDs at 4% and am considering high-yield savings accounts. What’s the best strategy moving forward?My in-laws are around 80 and have fully matured savings bonds. When they used some for home upgrades, they faced a large tax bill. Is there any way to move or reinvest those bonds to delay or avoid taxes—perhaps into an IRA or Roth IRA?I manage finances for someone receiving annual settlement payments until 2036. He wants to create a trust now to support three families, but his lawyer recommends keeping the money in savings while he’s alive. The payer says a trust can be set up after his death. Should he establish the trust now or wait?I’m debt-free and have my cash in a high-yield savings account, but rates are dropping. Should I invest some of it or find another way to protect and manage my money?Resources Mentioned:Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)Money in the Light of Eternity: What the Bible Says about ...
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  • Cyclical vs. Secular: Making Sense of Market Trends with Mark Biller
    Nov 20 2025
    Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments?Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what’s ahead.According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular.Cyclical vs. Secular: What’s the Difference?“The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.”Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years.Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years.Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time.Learning from History: Market ExamplesFrom 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors’ purchasing power. That’s what economists call a secular bear market—a long-term period of little to no progress.Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic.The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.”The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time.Why It Matters—Especially for Bond InvestorsUnderstanding these cycles isn’t just an academic exercise. “It’s actually more helpful when it comes to bonds than stocks,” Biller explains.That’s because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that’s led to negative returns for many bond investors over the last five years.”This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well.Rethinking the Classic 60/40 PortfolioFor decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today’s environment, that mix may need to evolve.“At Sound Mind Investing (SMI), we’ve reduced our bond allocation to around 30%,” Biller explains. “We haven’t abandoned bonds altogether, but we’re diversifying beyond them.”That diversification includes strategies like:Dynamic asset allocation—adjusting investments as market conditions shiftGold and commodities—as hedges against inflationReal estate and energy stocks—for long-term growth potentialAlternative assets like Bitcoin (in small doses), to add further varietyBuilding a Portfolio That Endures Every SeasonWhether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that’s resilient and rooted in wisdom.Biller’s encouragement for long-term investors is simple:“We’re not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.”That perspective echoes a deeper truth for believers: our ultimate security isn’t found in market trends but in God’s unchanging character. Markets may rise and fall, but His promises endure forever.Faith, Patience, and PerspectiveUnderstanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise.As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”In every bull and bear market, we’re called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us.For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org.On Today’s Program, Rob Answers Listener Questions:I’m nearing retirement with no debt and some investment savings, but I don’t have a pension. Would it make sense to use part of my ...
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  • Next Gen Generosity: Building a Legacy That Lasts with Christin Fejervary
    Nov 19 2025
    It’s one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn’t just about inheritance. It’s about passing on faith, values, and a vision for generosity.To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully.From Obligation to Joyful GenerosityChristin’s passion for generosity began early, though not in the way it’s shaped her life today.“As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn’t until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.”That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out.What’s Driving the Next Generation to GiveWhen it comes to generosity, Millennials and Gen Z are rewriting the playbook.According to NCF’s research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.”Christin explains:“They believe all resources have equal value—not just money, but time, influence, and relationships. They don’t just want to write a check. They want to be part of the change.”This shift from transactional to relational giving marks a profound change from previous generations.Reimagining Traditional ToolsYounger Christians aren’t abandoning tools like donor-advised funds, estate plans, or investment portfolios—they’re personalizing them.“They want to see impact,” Christin said. “They’re asking, ‘How is my giving being used?’ and ‘What difference is it making?’”They’re also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones.At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact.What Advisors Need to KnowFinancial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset.“Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It’s not just about managing money—it’s about helping them uncover all the ways God’s entrusted them to give.”For advisors, that means focusing less on control and more on collaboration, connection, and calling.How Families Can Have Faith-Filled ConversationsGenerosity isn’t just a financial transaction—it’s a family story. Cristin encourages families to start there.“The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.”Listening to one another’s experiences helps bridge differences and creates a shared vision for stewardship across generations.How NCF Is Helping the Next Generation Live GenerouslyAt the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike.New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report—designed to help both older and younger generations navigate these conversations.Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants.Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts.You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch.The Power of AgencyOne key insight from NCF’s research is the role of agency in healthy stewardship.“We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.”That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give.The Influence of Women in GenerosityAnother striking finding: women—especially mothers—play a major role in shaping generosity.“Seventy-two percent of millennials we ...
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