Faith & Finance Minute

Our job is to be faithful to whatever assignment God has given us — doing our best to serve the one who has gone away, but will return.

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Folks who manage money wisely know there’s one non-negotiable requirement for achieving financial freedom … learning to live below your means.

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The next time God gives you a surplus, ask him how you should use it. Perhaps you should give it away, or save it for a future need, or some combination of both.

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How can we be content? By knowing we “can do all things through Christ, who strengthens us.” No matter what happens with the economy, finding our strength in God— and trusting Him— is the key to contentment.

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Is it possible to give too much? Rob West says you might be surprised. And when we give as we’re able, with wisdom and integrity, God uses those gifts to care for His people and advance His Kingdom.

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Keep a 30-day list. Jot down everything you see and want to buy— but don’t absolutely need— and the date. Purchase only essentials during that time. When the 30 days are up … chances are you won’t want the item any longer … and you get to keep your money.

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We all want to enjoy God’s blessings when we’re faithful— but we don’t always want to accept his correction when we fall short. His financial principles are wise— but they’re also practical. When you obey Him— you generally prosper.

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Wise stewardship isn’t just about managing money well—it’s about revealing God’s generosity to a world searching for true life. Rob West encourages us to view our finances through the lens of faith, then it becomes a testimony of His goodness and grace.

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If you’re retired and have time on your hands, become a volunteer. A recent article at MarketWatch.com noted that only one-fourth of the nation’s 70 million retirees volunteer. By volunteering, you can use the gifts and time God has given you to bless others.

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There’s nothing wrong with having money or enjoying things money can buy, such as a good meal or a nice vacation.
However, loving money is quite different. Rob opens scripture and takes a look at this topic today.

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A Health Savings Account is a great tax-advantaged way to meet medical expenses. Today, Rob offers some wisdom on HSAs.

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There are a lot of misconceptions about credit cards. Today, Rob West looks at a few of these and sets us straight on the truth.

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Proverbs 24:6 teaches, “For by wise guidance you can wage your war, and in abundance of counselors there is victory.” Want to share creative ways to save money?

Just go to FaithFi.com and click on the top of the page where it says “Community.”  We'd love to hear from you!

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Today, Rob takes a look at an article in Kiplinger's Personal Finance Magazine and what it says to be wary of in protecting yourself financially. 

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So many buyers today face monthly payments more than double what they would have been just three years ago. If you’re considering buying a house — please, run the numbers to make sure you can really afford it.

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You may be eligible for ‘spousal’ or ‘survivor’ benefits even if you’ve never received a paycheck. The Social Security Administration usually won’t inform you if you’re eligible for benefits, so contact your local office to find out. 

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When your home appreciates in value, very often there’s a corresponding increase in your property taxes. The good news is, you can challenge your property tax assessment.

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Every day, “thousands of Americans retire…short on cash, friendships, and plans.” Today, Rob West offers some advice and wisdom on how to plan for retirement.

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Even though you can't take it with you, Rob West reminds us that you can decide who will manage what God has entrusted to you when you're gone. You can leave a legacy that reflects God’s wisdom and advances His Kingdom.

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What do the wealthy know that others might not? Rob West shares five key concepts that these people understand. However, you don’t need millions to apply these principles, just a heart willing to steward God’s resources with wisdom.

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What sets the best investors apart from the rest? Rob West shares three things those investors consider in their investing. In the end, it’s not timing the market, but trusting the process and staying humble that leads to long-term success.

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If you’re self-employed or your job doesn’t offer a 401(k) an IRA could be your best option for retirement savings. Rob West shares tgat IRAs offer powerful tax advantages but only if you understand how to use them wisely.

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Parent PLUS loans have long been easy to access, but that’s changing. Rob West shares about tighter limits and fewer repayment options. Maybe open a 529 education savings plan instead. Unused funds can now roll into a Roth IRA, giving your child a head start on retirement.

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Is wealth about having lots of money or about something else? Rob West reminds us that real wealth isn’t found in chasing more, it’s found in contentment, gratitude, and trusting God to provide what we truly need.

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There is an antidote to financial worry. Quoting from Isaiah, Rob West encourages us to bring our burdens to the Lord and find peace, especially during times of financial uncertainty. Listen for a special study offered to find encouragement in your financial journey.

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New research suggests a practical way to reduce financial conflict in marriage. Rob West reveals the result of several universities that found that married couples who share a joint bank account fight less about money and feel more satisfied with how their finances are managed.

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The average American has four credit cards, some of which rarely get used. Rob West reminds us that closing an unused credit card can be a wise decision. It limits your exposure to fraud and identity theft. But be careful, closing accounts the wrong way can hurt your credit score.

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With rates going up how can you lower your car insurance? Rob West has a few ideas... shop around, raise your deductible, take an online driver safety course, improve your credit score and drive safely. These are just a few ways to get the best rate possible.

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Watch out for the “overpayment scam.” Rob West warns of folks calling to “verify your banking information.” It may be for an overcharge they wish to credit you or an overdue bill you owe. Remember to stay alert and never share your banking information with someone you didn’t contact first.

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As a whole, Americans aren’t saving much—and that’s a growing problem. Rob West warns failing to save today often leads to financial stress tomorrow. So save as much as you realistically can. When the furnace breaks or retirement rolls around, you’ll be grateful you did.

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A good credit score has traditionally been the key to getting a credit card. But that’s starting to change. Rob West explains that banks are now offering credit cards to people with no credit score—folks they once considered too risky. Why? They now see them as an untapped market.

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If you’re going to use credit cards, Rob West has a few guidelines for you to consider from Art Rainer.Credit cards can be helpful for convenience, such as making online purchases or avoiding the need to carry cash. But they should never be used as a crutch.

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Buy Now, Pay Later services are everywhere, even allowing you to split fast food into four payments. Rob West warns it may sound harmless, but it’s reshaping our perspective on money and debt.

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Sometimes, the wisest move is to wait. Rob West shares a word of advice for high school graduates—and their parents. Don’t rush into college. Consider taking a “gap year” first.

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Is there a gap between what you think you spend and what you really spend? Rob West explains that inflation may cause that gap to increase because what we think something costs and what we actually pay for it is not the same. If you haven’t reviewed your spending plan lately, now’s the time.

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Being a wise money manager means tracking your income and spending. But according to Rob West it’s also important to track your giving. Because giving isn’t about what we lose, it’s about honoring God with what He’s entrusted to us and joining Him in blessing others.

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Not all protection plans are created equal. Rob West explains some of the differences and that insurance has its place, but in some cases, like home warranties, self-insuring through a healthy emergency fund may be the better and wiser option.

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The Bible urges us to flee temptation—including those tied to money. Rob West shares that some financial temptations are obvious, such as greed, dishonesty, or chasing wealth. But one that often hides in plain sight is the temptation to be stingy.

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Facts are stubborn things—but sometimes, myths are even more stubborn. Rob West shares some retirement planning myths, the truth about those situations, and a main truth to consider - start saving now, and plan wisely—because in retirement, planning beats guessing every time.

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What are the two components of managing money well? Rob West reminds us that they are first, put God first. And second, live with a plan. That includes saving consistently, spending wisely, and being intentional with every dollar. So seek God, make a plan, and trust Him to provide.

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