Faith & Finance Minute

It’s hard to name the most painful financial decision, but for many, co-signing a loan ranks near the top. Rob West reminds us while the Bible doesn’t forbid co-signing, it does urge caution. So if you are considering co-signing a loan, pause, praying, and proceed with caution.

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Money is a tool to serve God and neighbor, not a reason to use them. Rob West shares from an account in Acts 16 where a healing of a slave girl is met with anger from her owners because her former fortune telling will no longer benefit them monetarily.

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A bigger paycheck can be a good gift. But it is not always the same thing as a better life. Rob West encourages us that a smaller life with peace before God is far richer than great wealth surrounded by turmoil.

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Planning is good, but there is a warning. Rob West points to the book of James to point out faithful planning doesn’t say, “I’m in control.” It says, “God, lead the way.”

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More money can solve some problems—but it can also create new ones. From the wisdom of Solomon Rob West points out accumulation often brings complications. More to manage. More to protect. More to worry about losing.

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What would you choose: one million dollars today, or a penny doubled every day for 30 days? Rob West does the math and applies the principle of compounding to investing. So, don’t chase quick riches. Start early, stay consistent, and let time do its work.

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Job 31 Job says he never made gold his security or rejoiced simply because his wealth was great. Rob West observes that Job understood that the danger is not simply having wealth, it’s letting wealth become the source of our confidence and joy instead of God's faithfulness.

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When Jesus says you cannot serve both God and mammon, what is meant by "mammon"? Rob West shares that mammon is connected to the language of trust, firmness, and security. So ask yourself "What promises am I trusting money to keep?"

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The birds and lilies have something to teach us about trust. Rob West shares from Jesus' lesson in Matthew 6 that financial anxiety often grows when we believe everything depends on us. But Jesus says, “Your heavenly Father knows.”

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In Luke 14 Jesus calls us to count the cost. Rob West observes that Jesus is ultimately talking about the cost of discipleship and that wise financial decisions are rarely made in haste. So pray, eek counsel and count the cost.

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Integrity in business is part of our worship. Rob West points out from the book of Amos that profit is not wrong. But profit gained through deception dishonors the Lord. Faithful stewardship means doing business with integrity because every transaction happens before God.

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Financial success can be a blessing but are we right with God? Rob West points out from the book of Hosea that Israel treated prosperity as proof of innocence and that God must be pleased when in reality they were far from God. The question is are we walking faithfully with God.

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Competence is a gift but pride can turn it into danger. From the example of the king of Tyre, Rob West shares his problem wasn’t skill, profit, or business success. The problem was allowing those gifts to produce arrogance and self-reliance.

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There are some things money was never meant to buy. From the story of Simeon the magician in Act 8 Rob West observes that grace cannot be bought. We do not give to earn God’s love, because in Christ, we already have it.

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Am I using my advantage to serve others, or to profit from their desperation? That's a question Rob West urges us to ask in finding the balance between profit, planning, and using wisdom in the marketplace or taking advantage of people in their need.

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Money can solve problems quickly, but it can weaken our trust in God. Rob West shares from the Old Testament account of King Asa that we are not to trust the things of the world to free us, but God alone.

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When God says, “Put me to the test,” is it only so we can prosper? Rob West point out that God calls Christians to give generously, worshipfully, and sacrificially because He has already given Himself to us in Christ. It's a call to faithfulness.

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Sometimes grace chooses to absorb the cost. Rob West applies the story of Philemon and Onesimus to our lives today, bearing losses in order to restore a broken relationship.

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When life moves fast, we can start making financial decisions on the fly. Rob West urges us to slow down enough to take the next right step instead of spending reactively, delaying generosity, avoiding hard conversations, or losing track of where our money is going.

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Provision is not meant to be buried while others were hungry. From and account in 2 Kings, Rob West paints a picture of generosity. Provision becomes worship when we refuse to bury what God may intend to bless someone else.

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Unexpected wealth can feel like a blessing, but without wisdom it can quickly become a burden. Rob West urges us not to rush major decisions. Pray, seek counsel, and ask: How can I honor God with what He has entrusted to me?

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Can helping your adult child actually keep them from growing? Rob West encourages us that support is not wrong. But wise support should move adult children toward responsibility, not away from it.

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An increase in income can be a blessing, but it can also become a test. Rob West warns not to allow that increase to become the place we look for peace, safety, and control. Let every increase become an invitation to trust the Giver more than the gift.

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Don't be intimated by wealth. Rob West reminds us from the Psalms that earthly glory has an expiration date. No one carries wealth beyond the grave. Titles, possessions, and applause all stay behind. So don’t envy what cannot last.

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This weekend, our nation celebrates freedom. But Scripture points us to a freedom that goes even deeper. Rob West reminds us of the freedom Christ gives us from the power of sin, so we can truly love God and serve others.

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Is there ever a time when co-signing is a good thing to do? Rob West reminds us that the Bible tells us to care for our family and neighbors to help those who can’t help themselves. But when it comes to cosigning the Bible draws a clear line.

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When we’re making decisions about a home, career, retirement, debt, or helping family, we need to get some counsel. Rob West says not to assume asking for help is a weakness. Often, it’s one of the strongest acts of stewardship you can make.

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When two people marry later in life, they may bring children, assets, debts, businesses, and past experiences that shape how they view money. Rob West shares some questions to ask when blending families not just to organize money, but to build a strong home together.

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Is burnout simply the price of a meaningful life? Rob West points back to the book of Genesis to show us that constant exhaustion is often a sign we’re living beyond the limits God designed for us. Humanity’s first full day was not spent working for God, but resting with Him.

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Authentic generosity comes from receiving the grace of God deeply. Rob West shares that everything we have (our time, talents, and treasure ) has been received from God’s hand. And because we've been blessed by the Lord it's our joy to be generous.

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“Feed me with the food that is needful for me, lest I be full and deny you and say, ‘Who is the Lord?’ or lest I be poor and steal and profane the name of my God.” Rob West shares from this prayer in Proverbs 30 that money can test the heart in every season.

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Coveting tells us peace is one possession away. Rob West shares from the example of King Ahab in First Kings that coveting turns our eyes from God’s provision to someone else’s portion and blinds us to the truth that none of it belongs to us in the first place.

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Riches are far more fragile than they appear. From an example in the book of Lamentations Rob West reminds us that when our trust is rooted in God, we’re free to steward wealth wisely, hold possessions loosely, and face uncertain times with steady hearts.

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Do you rest or just pause long enough to make more money? Rob West points out a warning from the Old Testament prophet Amos that when money becomes our master, integrity often becomes negotiable.

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Psalm 103:13 says, “As a father shows compassion to his children, so the Lord shows compassion to those who fear him.” Rob West reminds us that earthly fathers have the privilege of reflecting God’s heart through patience, mercy, guidance, and love.

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God is the Owner, and we are His stewards. Everything we have—our money, possessions, opportunities, and even the people we love—is ultimately entrusted to us by His hand. Rob West reminds us of this foundational truth from the example of Job.

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Just because you can afford more doesn’t always mean you need more. Rob West shares from an example in Jeremiah that setting intentional limits can create margin, reduce pressure, and free up resources for God’s purposes.

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Financial trouble doesn’t always begin with one reckless decision. As Rob West points out sometimes it grows through putting off a budget review, delaying needed repairs, skipping savings contributions, or refusing to develop new skills at work.

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Investing isn’t just about returns, it can be an act of worship. Rob West shows us from the Bible that our investing can be more than just earning, but serving others in the name of the Lord.

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Sometimes the most faithful giving happens before the emergency begins. From an example in the book of Acts Rob West points out that proactive generosity is suing what we knew about the future not to protect ourselves, but to prepare to serve others.

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