The Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision.On today’s <a href="https://www.faithfi.com/show">Faith & Finance</a>, Sharon Epps, president of <a href="https://kingdomadvisors.com/">Kingdom Advisors</a>, joined the program to unpack this story, one she often describes as a clear picture of “God’s part and our part” in stewardship.<h3>A Crisis That Drives a Cry for Help</h3>The story opens with a widow in dire circumstances. Her husband, a member of the company of prophets and a man who feared the Lord, has died, leaving behind unpaid debt. With no means to repay it, she risks losing her two sons to creditors.In desperation, she cries out to the prophet Elisha for help. His response begins with a question that shapes the entire story: “What do you have in your house?”Her answer is simple and heartbreaking—nothing, except a small jar of oil.<h3>God’s Part: The Source of Provision</h3>Sharon Epps notes that God’s role in this story is clear. The widow had no way to create oil, multiply it, or secure buyers for it. God alone supplied what was needed.“He was the provider of the oil,” Sharon explains, “and He also provided the buyers so the debt could be paid.” The widow’s increase came entirely from God, leaving no room for self-reliance or pride.This total dependence is part of the lesson. God’s provision is not something we manufacture; it is something we receive.<h3>The Widow’s Part: Obedience and Action</h3>While God provided the miracle, the widow was not passive. Sharon emphasizes that she played an important role.She:<ul><li>Asked for help</li><li>Followed Elisha’s instructions</li><li>Gathered empty jars</li><li>Poured the oil</li><li>Sold what God multiplied</li></ul>“She didn’t just wait for oil to appear,” Sharon notes. “She participated in the process.”This balance—God’s provision paired with human faithfulness—is a pattern we see throughout Scripture.<h3>Empty Jars and Expanding Faith</h3>One of Sharon’s favorite moments in the passage comes in verse three, when Elisha tells the widow to gather empty jars from her neighbors and adds, “Don’t ask for just a few.”The amount of oil multiplied was directly connected to the number of jars collected. When no vessels remained, the oil stopped flowing.Sharon describes the jars as a physical expression of faith. The widow’s willingness to gather more vessels created space for God’s provision.<h3>Stewardship Principles We Can Apply Today</h3>Sharon notes that God doesn’t work the same miracle in every life, but the same God is always at work. From this story, she highlights several principles that still apply:1. God Is the Provider. Even our ability to work and earn comes from Him. We are always more dependent on God than we realize.2. Faithfulness Is Our Responsibility. God calls us to be faithful with what He places in front of us today—even when it feels ordinary, frustrating, or uncertain.3. Seek Wise Counsel. The widow didn’t isolate herself. She sought help from the prophet, reminding us that God often provides guidance through others.4. Involve Your Family. The widow’s sons helped fill the jars. Including family in financial challenges can strengthen faith and allow everyone to witness God’s provision.5. Don’t Bet on the Future. The widow’s hardship began with unresolved debt. Sharon encourages thoughtful financial planning that considers how decisions today could affect loved ones tomorrow.<h3>Are You the Widow—or the Neighbor With Jars?</h3>Sharon also challenges listeners to view the story from a different perspective. Sometimes we are not the ones in need—we are the neighbors with empty jars.God may have already placed resources in our hands—assets, opportunities, or skills—that He wants to use to meet someone else’s need.In just seven verses, the story of the widow’s oil paints a powerful picture of stewardship: God provides; we respond in obedience. We rely on Him, seek wise counsel, act faithfully, and remain open to generosity.As Sharon Epps reminds us, recognizing God’s role and our role brings freedom—and invites us to trust Him more fully with everything He has entrusted to us.<h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>My 83-year-old mother just sold property and may net about $250,000 after taxes. I want to keep the money safe, liquid, and available in case she needs long-term care—whether soon or years from now. What’s the best place to hold it?</li><li>We have a $10,000 Sallie Mae student loan at about 10% interest and aren’t making much progress on the balance. Are there better refinancing options that could lower the rate?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find-a-cka">Find a Certified Kingdom Advisor (CKA)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp; Finance is also available on <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network</a> and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. You can also visit <a href="http://faithfi.com">FaithFi.com</a> to connect with our online community and <a href="https://www.faithfi.com/give">partner with us</a> as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.

<description>&lt;p&gt;The Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision.&lt;/p&gt;&lt;p&gt;On today’s &lt;a href="https://www.faithfi.com/show"&gt;Faith &amp; Finance&lt;/a&gt;, Sharon Epps, president of &lt;a href="https://kingdomadvisors.com/"&gt;Kingdom Advisors&lt;/a&gt;, joined the program to unpack this story, one she often describes as a clear picture of &lt;i&gt;“God’s part and our part”&lt;/i&gt; in stewardship.&lt;/p&gt;&lt;h3&gt;A Crisis That Drives a Cry for Help&lt;/h3&gt;&lt;p&gt;The story opens with a widow in dire circumstances. Her husband, a member of the company of prophets and a man who feared the Lord, has died, leaving behind unpaid debt. With no means to repay it, she risks losing her two sons to creditors.&lt;/p&gt;&lt;p&gt;In desperation, she cries out to the prophet Elisha for help. His response begins with a question that shapes the entire story: &lt;i&gt;“What do you have in your house?”&lt;/i&gt;&lt;/p&gt;&lt;p&gt;Her answer is simple and heartbreaking—nothing, except a small jar of oil.&lt;/p&gt;&lt;h3&gt;God’s Part: The Source of Provision&lt;/h3&gt;&lt;p&gt;Sharon Epps notes that God’s role in this story is clear. The widow had no way to create oil, multiply it, or secure buyers for it. God alone supplied what was needed.&lt;/p&gt;&lt;p&gt;&lt;i&gt;“He was the provider of the oil,”&lt;/i&gt; Sharon explains, &lt;i&gt;“and He also provided the buyers so the debt could be paid.”&lt;/i&gt; The widow’s increase came entirely from God, leaving no room for self-reliance or pride.&lt;/p&gt;&lt;p&gt;This total dependence is part of the lesson. God’s provision is not something we manufacture; it is something we receive.&lt;/p&gt;&lt;h3&gt;The Widow’s Part: Obedience and Action&lt;/h3&gt;&lt;p&gt;While God provided the miracle, the widow was not passive. Sharon emphasizes that she played an important role.&lt;/p&gt;&lt;p&gt;She:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Asked for help&lt;/li&gt;&lt;li&gt;Followed Elisha’s instructions&lt;/li&gt;&lt;li&gt;Gathered empty jars&lt;/li&gt;&lt;li&gt;Poured the oil&lt;/li&gt;&lt;li&gt;Sold what God multiplied&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;i&gt;“She didn’t just wait for oil to appear,”&lt;/i&gt; Sharon notes. &lt;i&gt;“She participated in the process.”&lt;/i&gt;&lt;/p&gt;&lt;p&gt;This balance—God’s provision paired with human faithfulness—is a pattern we see throughout Scripture.&lt;/p&gt;&lt;h3&gt;Empty Jars and Expanding Faith&lt;/h3&gt;&lt;p&gt;One of Sharon’s favorite moments in the passage comes in verse three, when Elisha tells the widow to gather empty jars from her neighbors and adds, &lt;i&gt;“Don’t ask for just a few.”&lt;/i&gt;&lt;/p&gt;&lt;p&gt;The amount of oil multiplied was directly connected to the number of jars collected. When no vessels remained, the oil stopped flowing.&lt;/p&gt;&lt;p&gt;Sharon describes the jars as a physical expression of faith. The widow’s willingness to gather more vessels created space for God’s provision.&lt;/p&gt;&lt;h3&gt;Stewardship Principles We Can Apply Today&lt;/h3&gt;&lt;p&gt;Sharon notes that God doesn’t work the same miracle in every life, but the same God is always at work. From this story, she highlights several principles that still apply:&lt;/p&gt;&lt;p&gt;&lt;strong&gt;1. God Is the Provider.&lt;/strong&gt; Even our ability to work and earn comes from Him. We are always more dependent on God than we realize.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;2. Faithfulness Is Our Responsibility.&lt;/strong&gt; God calls us to be faithful with what He places in front of us today—even when it feels ordinary, frustrating, or uncertain.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;3. Seek Wise Counsel.&lt;/strong&gt; The widow didn’t isolate herself. She sought help from the prophet, reminding us that God often provides guidance through others.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;4. Involve Your Family.&lt;/strong&gt; The widow’s sons helped fill the jars. Including family in financial challenges can strengthen faith and allow everyone to witness God’s provision.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;5. Don’t Bet on the Future.&lt;/strong&gt; The widow’s hardship began with unresolved debt. Sharon encourages thoughtful financial planning that considers how decisions today could affect loved ones tomorrow.&lt;/p&gt;&lt;h3&gt;Are You the Widow—or the Neighbor With Jars?&lt;/h3&gt;&lt;p&gt;Sharon also challenges listeners to view the story from a different perspective. Sometimes we are not the ones in need—we are the neighbors with empty jars.&lt;/p&gt;&lt;p&gt;God may have already placed resources in our hands—assets, opportunities, or skills—that He wants to use to meet someone else’s need.&lt;/p&gt;&lt;p&gt;In just seven verses, the story of the widow’s oil paints a powerful picture of stewardship: God provides; we respond in obedience. We rely on Him, seek wise counsel, act faithfully, and remain open to generosity.&lt;/p&gt;&lt;p&gt;As Sharon Epps reminds us, recognizing God’s role and our role brings freedom—and invites us to trust Him more fully with everything He has entrusted to us.&lt;/p&gt;&lt;h3&gt;On Today’s Program, Rob Answers Listener Questions:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;My 83-year-old mother just sold property and may net about $250,000 after taxes. I want to keep the money safe, liquid, and available in case she needs long-term care—whether soon or years from now. What’s the best place to hold it?&lt;/li&gt;&lt;li&gt;We have a $10,000 Sallie Mae student loan at about 10% interest and aren’t making much progress on the balance. Are there better refinancing options that could lower the rate?&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;Resources Mentioned:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://faithfi.com/give"&gt;Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/shop/wisdomoverwealth"&gt;Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/sparrows"&gt;Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/rtg"&gt;Rich Toward God: A Study on the Parable of the Rich Fool&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/find-a-cka"&gt;Find a Certified Kingdom Advisor (CKA)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/manage"&gt;FaithFi App&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;&lt;p&gt;Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp;amp; Finance is also available on &lt;a href="https://www.moodyradio.org/programs/faith-and-finance/"&gt;Moody Radio Network&lt;/a&gt; and &lt;a href="https://afr.net/podcasts/faith-finance/"&gt;American Family Radio&lt;/a&gt;. You can also visit &lt;a href="http://faithfi.com"&gt;FaithFi.com&lt;/a&gt; to connect with our online community and &lt;a href="https://www.faithfi.com/give"&gt;partner with us&lt;/a&gt; as we help more people live as faithful stewards of God’s resources.&lt;/p&gt;&lt;/p&gt;&lt;br/&gt; &lt;p&gt;Hosted by Simplecast, an AdsWizz company. See &lt;a href="https://pcm.adswizz.com"&gt;pcm.adswizz.com&lt;/a&gt; for information about our collection and use of personal data for advertising.&lt;/p&gt;</description>

The Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision.

On today’s Faith & Finance, Sharon Epps, president of Kingdom Advisors, joined the program to unpack this story, one she often describes as a clear picture of “God’s part and our part” in stewardship.

God's Unexpected Provision with Sharon Epps

As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won’t feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: What if this isn’t enough? What will they think if I don’t give something big? If I don’t hurry, will Christmas feel incomplete?Emotional buying often peaks in the final days before Christmas, not because we’re unwise, but because we’re human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren’t purchased. They’re created through meaningful time together—not merely expensive gifts.<h3>A Biblical Rhythm for Giving</h3>Scripture invites us into a different rhythm. Jesus said, “It is more blessed to give than to receive.” He wasn’t describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.Paul echoes this in Colossians 3:2: “Set your minds on things above, not on earthly things.” Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.Many of the most meaningful gifts can’t be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won’t arrive on time. Suddenly, our giving comes more from fear than love.Proverbs 21:5 offers a timely warning: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Hasty choices don’t just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.You don’t have to sprint your way into Christmas. You can choose a different pace.<h3>Four Practical Ways to Avoid Emotional Buying</h3>1. Pause before you purchase. Even a 30-second pause can interrupt an emotional decision. Ask yourself: Is this coming from love—or from pressure?2. Let your values set the tone. A healthy budget isn’t restrictive—it’s clarifying. It helps your spending reflect what matters most.3. Remember, generosity is more than money. Time, words, service, and presence are gifts money can’t replicate.4. Let Christ—not culture—define Christmas. Before you buy, ask: Will this help us celebrate Jesus, or simply ease a momentary fear?When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.<h3>The Freedom of Love-Led Giving</h3>Mother Teresa captured this beautifully: “It’s not how much we give, but how much love we put into giving.” You’re not responsible for funding a flawless Christmas. You’re responsible for loving the people God has placed in your life—and love doesn’t require overspending.Christmas isn’t a test of your financial ability. It’s a celebration of God’s generosity toward us. The angel didn’t announce “great deals of consumer joy,” but “good news of great joy—a Savior has been born to you.” That’s the center of Christmas, and the foundation of intentional giving.<h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?</li><li>You previously shared a list of scholarships. I have a daughter who’s a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?</li><li>I’m 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven’t filed taxes in four years, do I still need to pay taxes?</li><li>I taught vocational trades in the Texas prison system and was told that ex-felons can’t get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&_branch_match_id=1507389872650967943&utm_medium=moneywise&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://www.faithfi.com/faithfi/finding-your-scholarships-7006">Finding Your Scholarships (Faith and Finance Episode - August 14, 2024)</a></li><li><a href="http://scholarships.com">Scholarships.com</a> | <a href="http://fastweb.com">Fastweb.com</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find-a-cka">Find a Certified Kingdom Advisor (CKA)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp; Finance is also available on <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network</a> and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. You can also visit <a href="http://faithfi.com">FaithFi.com</a> to connect with our online community and <a href="https://www.faithfi.com/give">partner with us</a> as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.

<description>&lt;p&gt;As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won’t feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.&lt;/p&gt;&lt;p&gt;Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: &lt;i&gt;What if this isn’t enough? What will they think if I don’t give something big? If I don’t hurry, will Christmas feel incomplete?&lt;/i&gt;&lt;/p&gt;&lt;p&gt;Emotional buying often peaks in the final days before Christmas, not because we’re unwise, but because we’re human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren’t purchased. They’re created through meaningful time together—not merely expensive gifts.&lt;/p&gt;&lt;h3&gt;A Biblical Rhythm for Giving&lt;/h3&gt;&lt;p&gt;Scripture invites us into a different rhythm. Jesus said, &lt;i&gt;“It is more blessed to give than to receive.”&lt;/i&gt; He wasn’t describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.&lt;/p&gt;&lt;p&gt;Paul echoes this in Colossians 3:2: &lt;i&gt;“Set your minds on things above, not on earthly things.”&lt;/i&gt; Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.&lt;/p&gt;&lt;p&gt;Many of the most meaningful gifts can’t be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.&lt;/p&gt;&lt;p&gt;In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won’t arrive on time. Suddenly, our giving comes more from fear than love.&lt;/p&gt;&lt;p&gt;Proverbs 21:5 offers a timely warning: &lt;i&gt;“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”&lt;/i&gt; Hasty choices don’t just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.&lt;/p&gt;&lt;p&gt;You don’t have to sprint your way into Christmas. You can choose a different pace.&lt;/p&gt;&lt;h3&gt;Four Practical Ways to Avoid Emotional Buying&lt;/h3&gt;&lt;p&gt;&lt;strong&gt;1. Pause before you purchase.&lt;/strong&gt; Even a 30-second pause can interrupt an emotional decision. Ask yourself: &lt;i&gt;Is this coming from love—or from pressure?&lt;/i&gt;&lt;/p&gt;&lt;p&gt;&lt;strong&gt;2. Let your values set the tone.&lt;/strong&gt; A healthy budget isn’t restrictive—it’s clarifying. It helps your spending reflect what matters most.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;3. Remember, generosity is more than money.&lt;/strong&gt; Time, words, service, and presence are gifts money can’t replicate.&lt;/p&gt;&lt;p&gt;&lt;strong&gt;4. Let Christ—not culture—define Christmas.&lt;/strong&gt; Before you buy, ask: &lt;i&gt;Will this help us celebrate Jesus, or simply ease a momentary fear?&lt;/i&gt;&lt;/p&gt;&lt;p&gt;When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.&lt;/p&gt;&lt;h3&gt;The Freedom of Love-Led Giving&lt;/h3&gt;&lt;p&gt;Mother Teresa captured this beautifully: &lt;i&gt;“It’s not how much we give, but how much love we put into giving.”&lt;/i&gt; You’re not responsible for funding a flawless Christmas. You’re responsible for loving the people God has placed in your life—and love doesn’t require overspending.&lt;/p&gt;&lt;p&gt;Christmas isn’t a test of your financial ability. It’s a celebration of God’s generosity toward us. The angel didn’t announce “great deals of consumer joy,” but &lt;i&gt;“good news of great joy—a Savior has been born to you.”&lt;/i&gt; That’s the center of Christmas, and the foundation of intentional giving.&lt;/p&gt;&lt;h3&gt;On Today’s Program, Rob Answers Listener Questions:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;I’m 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?&lt;/li&gt;&lt;li&gt;You previously shared a list of scholarships. I have a daughter who’s a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?&lt;/li&gt;&lt;li&gt;I’m 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven’t filed taxes in four years, do I still need to pay taxes?&lt;/li&gt;&lt;li&gt;I taught vocational trades in the Texas prison system and was told that ex-felons can’t get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;Resources Mentioned:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://faithfi.com/give"&gt;Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1507389872650967943&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D"&gt;Christian Credit Counselors&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/faithfi/finding-your-scholarships-7006"&gt;Finding Your Scholarships (Faith and Finance Episode - August 14, 2024)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="http://scholarships.com"&gt;Scholarships.com&lt;/a&gt; | &lt;a href="http://fastweb.com"&gt;Fastweb.com&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/shop/wisdomoverwealth"&gt;Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/sparrows"&gt;Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/rtg"&gt;Rich Toward God: A Study on the Parable of the Rich Fool&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/find-a-cka"&gt;Find a Certified Kingdom Advisor (CKA)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/manage"&gt;FaithFi App&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;&lt;p&gt;Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp;amp; Finance is also available on &lt;a href="https://www.moodyradio.org/programs/faith-and-finance/"&gt;Moody Radio Network&lt;/a&gt; and &lt;a href="https://afr.net/podcasts/faith-finance/"&gt;American Family Radio&lt;/a&gt;. You can also visit &lt;a href="http://faithfi.com"&gt;FaithFi.com&lt;/a&gt; to connect with our online community and &lt;a href="https://www.faithfi.com/give"&gt;partner with us&lt;/a&gt; as we help more people live as faithful stewards of God’s resources.&lt;/p&gt;&lt;/p&gt;&lt;br/&gt; &lt;p&gt;Hosted by Simplecast, an AdsWizz company. See &lt;a href="https://pcm.adswizz.com"&gt;pcm.adswizz.com&lt;/a&gt; for information about our collection and use of personal data for advertising.&lt;/p&gt;</description>

As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won’t feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.

Avoiding Emotional Spending This Christmas

We live in a world overflowing with stuff—and messages about stuff. Everywhere we turn, someone promises that the next purchase, upgrade, or financial milestone will finally bring joy or peace. But Scripture offers a far better—and far more freeing—vision for how believers relate to money and possessions.The Bible doesn’t ignore material things. It puts them in their proper place.<h3>When Good Things Promise Too Much</h3>We’ve all heard the phrase money can’t buy happiness, yet it’s still easy to live as though it might. When life feels overwhelming, we often reach for the nearest distraction—a purchase, an upgrade, or a new financial goal—hoping it will calm our anxiety or restore a sense of control.But Scripture never teaches that possessions themselves are bad. In fact, Paul writes, “God richly provides us with everything for our enjoyment” (1 Timothy 6:17). Ecclesiastes adds that when God gives someone wealth, possessions, and the ability to enjoy them, “this is a gift of God” (Ecclesiastes 5:19).Enjoying God’s good gifts is not unspiritual. Beauty, comfort, and experiences can all be received with gratitude.The problem isn’t having things—it’s the place things occupy in our hearts. Materialism doesn’t begin when we own possessions, but when possessions begin to own us.At its core, materialism is the belief that created things can provide what only the Creator can give: meaning, identity, security, and purpose. Jesus understood this deeply. That’s why He spoke so often about money—not because He was worried about finances, but because He cared about our hearts. “Where your treasure is, there your heart will be also” (Matthew 6:21).Things were never designed to satisfy the human soul. When they become our deepest treasure, our hearts remain restless.<h3>Enjoyment Versus Dependence</h3>So how do we enjoy God’s gifts without becoming dependent on them?The difference is subtle but crucial.<ul><li>Enjoyment says, “Father, thank You for this gift.”</li><li>Dependence says, “If I lose this, I’ll lose myself.”</li></ul>Enjoyment frees us. Dependence enslaves us.That’s why gratitude is so powerful. Gratitude reminds us that every good thing flows from the hand of a loving God. When we see possessions as gifts, we stop expecting them to carry weight they were never meant to bear.Generosity is another powerful antidote to materialism. When you give, you declare that your hope is not found in accumulation. You remember that God owns it all—and that your joy is rooted in Him, not in what you hold.And here’s an important nuance: rejecting materialism does not mean rejecting material things. Scripture never calls believers to asceticism or joyless living. Instead, it warns us against the illusion that anything—even abundance—can become enough apart from God.Ecclesiastes holds both truths together: God gives possessions and the ability to enjoy them—that’s grace. Yet whoever loves money never has enough. Feeding the craving for more never satisfies it.<h3>Three Questions That Keep Things in Their Place</h3>If you want to guard your heart, here are three simple questions worth asking regularly:<ol><li>Do I enjoy this gift with gratitude, or do I feel anxious without it?</li><li>Does this possession help me love God and others—or distract me from them?</li><li>Am I more excited about having this thing, or about how God may want me to use it?</li></ol>When things stay in their proper place, they become blessings instead of burdens. They point us to the God who provides rather than pulling us away from Him.And here’s the irony: the less we depend on things for happiness, the more freely we can actually enjoy them.<h3>Rooting Joy in the Giver, Not the Gift</h3>God created a world rich with color, beauty, taste, and texture. He’s given each of us resources and opportunities to steward and enjoy. But things are not ultimate. They are not our source of life. They are not our Savior. Only God is.When our joy is rooted in the Giver rather than the gift, we discover the contentment our hearts were made for.<h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’m looking for wisdom on when—or if—I should give my kids a car. I have three children, ages 16, 18, and 20. Because we live about 30 miles from school, we’ve always provided vehicles so they can get to activities. Is there a point where it makes sense to give them the car outright to help them grow in responsibility? Or is it better to require shared responsibility instead of a full gift?</li><li>Several years ago, I had about $17,000 in credit card debt and enrolled in a debt management program through Trinity Debt Management. I’ve since paid it down to around $6,000–$7,000. I’ve heard about the debt management program you recommend, and I was wondering if it makes sense to switch if the interest rate is lower. Are there any advantages or disadvantages to changing programs at this stage?</li><li>My wife and I have been married nearly 42 years, and generosity has always been part of our walk—we’ve consistently tithed. We’re now beginning to receive inheritances from our parents and are thinking through how to handle giving in this situation. Do we tithe on an inheritance? How should we think about generosity with gifts like money or even something like a car?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&_branch_match_id=1507389872650967943&utm_medium=moneywise&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find-a-cka">Find a Certified Kingdom Advisor (CKA)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp; Finance is also available on <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network</a> and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. You can also visit <a href="http://faithfi.com">FaithFi.com</a> to connect with our online community and <a href="https://www.faithfi.com/give">partner with us</a> as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.

<description>&lt;p&gt;We live in a world overflowing with stuff—and messages about stuff. Everywhere we turn, someone promises that the next purchase, upgrade, or financial milestone will finally bring joy or peace. But Scripture offers a far better—and far more freeing—vision for how believers relate to money and possessions.&lt;/p&gt;&lt;p&gt;The Bible doesn’t ignore material things. It puts them in their proper place.&lt;/p&gt;&lt;h3&gt;When Good Things Promise Too Much&lt;/h3&gt;&lt;p&gt;We’ve all heard the phrase &lt;i&gt;money can’t buy happiness&lt;/i&gt;, yet it’s still easy to live as though it might. When life feels overwhelming, we often reach for the nearest distraction—a purchase, an upgrade, or a new financial goal—hoping it will calm our anxiety or restore a sense of control.&lt;/p&gt;&lt;p&gt;But Scripture never teaches that possessions themselves are bad. In fact, Paul writes, &lt;i&gt;“God richly provides us with everything for our enjoyment”&lt;/i&gt; (1 Timothy 6:17). Ecclesiastes adds that when God gives someone wealth, possessions, and the ability to enjoy them, &lt;i&gt;“this is a gift of God”&lt;/i&gt; (Ecclesiastes 5:19).&lt;/p&gt;&lt;p&gt;Enjoying God’s good gifts is not unspiritual. Beauty, comfort, and experiences can all be received with gratitude.&lt;/p&gt;&lt;p&gt;The problem isn’t having things—it’s the place things occupy in our hearts. Materialism doesn’t begin when we own possessions, but when possessions begin to own us.&lt;/p&gt;&lt;p&gt;At its core, materialism is the belief that created things can provide what only the Creator can give: meaning, identity, security, and purpose. Jesus understood this deeply. That’s why He spoke so often about money—not because He was worried about finances, but because He cared about our hearts. &lt;i&gt;“Where your treasure is, there your heart will be also”&lt;/i&gt; (Matthew 6:21).&lt;/p&gt;&lt;p&gt;Things were never designed to satisfy the human soul. When they become our deepest treasure, our hearts remain restless.&lt;/p&gt;&lt;h3&gt;Enjoyment Versus Dependence&lt;/h3&gt;&lt;p&gt;So how do we enjoy God’s gifts without becoming dependent on them?&lt;/p&gt;&lt;p&gt;The difference is subtle but crucial.&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;strong&gt;Enjoyment&lt;/strong&gt; says, &lt;i&gt;“Father, thank You for this gift.”&lt;/i&gt;&lt;/li&gt;&lt;li&gt;&lt;strong&gt;Dependence&lt;/strong&gt; says, &lt;i&gt;“If I lose this, I’ll lose myself.”&lt;/i&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;Enjoyment frees us. Dependence enslaves us.&lt;/p&gt;&lt;p&gt;That’s why gratitude is so powerful. Gratitude reminds us that every good thing flows from the hand of a loving God. When we see possessions as gifts, we stop expecting them to carry weight they were never meant to bear.&lt;/p&gt;&lt;p&gt;Generosity is another powerful antidote to materialism. When you give, you declare that your hope is not found in accumulation. You remember that God owns it all—and that your joy is rooted in Him, not in what you hold.&lt;/p&gt;&lt;p&gt;And here’s an important nuance: rejecting materialism does not mean rejecting material things. Scripture never calls believers to asceticism or joyless living. Instead, it warns us against the illusion that anything—&lt;i&gt;even abundance&lt;/i&gt;—can become enough apart from God.&lt;/p&gt;&lt;p&gt;Ecclesiastes holds both truths together: God gives possessions &lt;i&gt;and&lt;/i&gt; the ability to enjoy them—that’s grace. Yet whoever loves money never has enough. Feeding the craving for more never satisfies it.&lt;/p&gt;&lt;h3&gt;Three Questions That Keep Things in Their Place&lt;/h3&gt;&lt;p&gt;If you want to guard your heart, here are three simple questions worth asking regularly:&lt;/p&gt;&lt;ol&gt;&lt;li&gt;Do I enjoy this gift with gratitude, or do I feel anxious without it?&lt;/li&gt;&lt;li&gt;Does this possession help me love God and others—or distract me from them?&lt;/li&gt;&lt;li&gt;Am I more excited about having this thing, or about how God may want me to use it?&lt;/li&gt;&lt;/ol&gt;&lt;p&gt;When things stay in their proper place, they become blessings instead of burdens. They point us to the God who provides rather than pulling us away from Him.&lt;/p&gt;&lt;p&gt;And here’s the irony: the less we depend on things for happiness, the more freely we can actually enjoy them.&lt;/p&gt;&lt;h3&gt;Rooting Joy in the Giver, Not the Gift&lt;/h3&gt;&lt;p&gt;God created a world rich with color, beauty, taste, and texture. He’s given each of us resources and opportunities to steward and enjoy. But things are not ultimate. They are not our source of life. They are not our Savior. Only God is.&lt;/p&gt;&lt;p&gt;When our joy is rooted in the Giver rather than the gift, we discover the contentment our hearts were made for.&lt;/p&gt;&lt;h3&gt;On Today’s Program, Rob Answers Listener Questions:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;I’m looking for wisdom on when—or if—I should give my kids a car. I have three children, ages 16, 18, and 20. Because we live about 30 miles from school, we’ve always provided vehicles so they can get to activities. Is there a point where it makes sense to give them the car outright to help them grow in responsibility? Or is it better to require shared responsibility instead of a full gift?&lt;/li&gt;&lt;li&gt;Several years ago, I had about $17,000 in credit card debt and enrolled in a debt management program through Trinity Debt Management. I’ve since paid it down to around $6,000–$7,000. I’ve heard about the debt management program you recommend, and I was wondering if it makes sense to switch if the interest rate is lower. Are there any advantages or disadvantages to changing programs at this stage?&lt;/li&gt;&lt;li&gt;My wife and I have been married nearly 42 years, and generosity has always been part of our walk—we’ve consistently tithed. We’re now beginning to receive inheritances from our parents and are thinking through how to handle giving in this situation. Do we tithe on an inheritance? How should we think about generosity with gifts like money or even something like a car?&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;Resources Mentioned:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://faithfi.com/give"&gt;Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1507389872650967943&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D"&gt;Christian Credit Counselors&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/shop/wisdomoverwealth"&gt;Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/sparrows"&gt;Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/rtg"&gt;Rich Toward God: A Study on the Parable of the Rich Fool&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/find-a-cka"&gt;Find a Certified Kingdom Advisor (CKA)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/manage"&gt;FaithFi App&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;&lt;p&gt;Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp;amp; Finance is also available on &lt;a href="https://www.moodyradio.org/programs/faith-and-finance/"&gt;Moody Radio Network&lt;/a&gt; and &lt;a href="https://afr.net/podcasts/faith-finance/"&gt;American Family Radio&lt;/a&gt;. You can also visit &lt;a href="http://faithfi.com"&gt;FaithFi.com&lt;/a&gt; to connect with our online community and &lt;a href="https://www.faithfi.com/give"&gt;partner with us&lt;/a&gt; as we help more people live as faithful stewards of God’s resources.&lt;/p&gt;&lt;/p&gt;&lt;br/&gt; &lt;p&gt;Hosted by Simplecast, an AdsWizz company. See &lt;a href="https://pcm.adswizz.com"&gt;pcm.adswizz.com&lt;/a&gt; for information about our collection and use of personal data for advertising.&lt;/p&gt;</description>

We live in a world overflowing with stuff—and messages about stuff. Everywhere we turn, someone promises that the next purchase, upgrade, or financial milestone will finally bring joy or peace. But Scripture offers a far better—and far more freeing—vision for how believers relate to money and possessions.

How to Keep Possessions from Possessing You

As Christmas Day draws near, we often hear stories of generosity, kindness, and the spirit of giving. But perhaps no story has inspired these virtues more than the life of St. Nicholas—a real man whose faith-filled generosity continues to echo through the centuries.Long before red suits and reindeer entered the picture, Nicholas lived a quiet, Christ-centered life marked by sacrificial love. His story reminds us that the true meaning of Christmas isn’t found in what we receive, but in how we reflect the love of Jesus to others.<h3>A Childhood Shaped by Faith—and Loss</h3>Nicholas was born around A.D. 280 into a wealthy Christian family in Patara, a bustling port city in modern-day Turkey. From an early age, his parents taught him the teachings of Jesus—especially the call to care for the poor and the vulnerable. Their daily example planted seeds of compassion that would later bear extraordinary fruit.A tragedy occurred when Nicholas was still young. An epidemic claimed the lives of both his parents, leaving him orphaned—but also leaving him with a significant inheritance. In his grief, Nicholas turned to his faith. Rather than clinging to his wealth, he saw it as a means to serve others and live out the gospel.Nicholas became known for quietly helping those in desperate situations. His most famous act of generosity involved a poor man and his three daughters. In that culture, a dowry was required for marriage. Without it, the daughters faced the horrifying prospect of being sold into slavery.Moved by their plight, Nicholas acted—secretly. Under the cover of night, he delivered a bag of gold to the family, securing the eldest daughter's future. He returned twice more, each time providing enough to ensure another daughter could marry safely.When the father eventually discovered Nicholas’s identity, Nicholas urged him to thank God alone. He took Jesus’ words to heart: “When you give to the needy, do not let your left hand know what your right hand is doing” (Matthew 6:3). Nicholas didn’t seek recognition—only faithfulness.<h3>A Shepherd With Courage and Conviction</h3>Later in life, Nicholas became the bishop of Myra, where his compassion expanded beyond individuals to an entire community. He was known for defending the poor, standing up for the innocent, and shepherding his people with deep love.During the persecution of Christians under Emperor Diocletian, Nicholas risked imprisonment for his faith. He later attended the Council of Nicaea in A.D. 325, standing firm for the truth of the gospel. Yet what truly defined him wasn’t his position—it was his Christlike love.Nicholas lived as if true wealth was found not in possessions, but in a living relationship with God.After his death on December 6, A.D. 343, stories of Nicholas’s generosity spread across generations. He became known as a protector of children, a patron of sailors, and a symbol of selfless giving. Over time, his life inspired the figure we now associate with Santa Claus—but behind the legend stands a man devoted to glorifying God.The story of St. Nicholas challenges us to reconsider the meaning of Christmas. His life wasn’t about extravagant gifts or public praise. It was about embodying the love of Christ—sacrificial, humble, and freely given.<h3>Living the True Meaning of Christmas</h3>This Christmas, as we exchange gifts and gather with loved ones, let’s remember that the greatest gift has already been given—Jesus Christ, who came to save sinners and offer eternal life.Like St. Nicholas, we are called to share that gift with others. Through generosity, service, and simple acts of kindness, we can reflect the light of Christ in a world desperate for hope. As Jesus reminded us, “It is more blessed to give than to receive.”May the story of St. Nicholas inspire us to give generously, love deeply, and celebrate the true meaning of Christmas—because it’s not the gifts we receive, but the love we share, that makes this season truly special.<h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I’ve heard that even if you have a will, your estate still has to go through court, but that having a trust allows you to avoid that. Is that correct? Since I currently have both a will and a trust, is it advisable to keep both?</li><li>I’m the CFO of a company that’s considering a sale. The CEO wants to sell to a buyer I’m concerned could ultimately harm the company. Given my role, what counsel or perspective can I offer the CEO as we consider this decision?</li><li>I’m 82 years old and have lost my eyesight, which makes it difficult to write checks and pay bills. What options are available for setting up automatic bill pay or managing my finances more easily?</li><li>I’ll be retiring soon—I turn 62 next year—and I still owe about $119,000 on my home. I work part-time, and my husband works full-time. Should I start collecting Social Security now, even though I’ll continue working, so we can pay off the house more quickly?</li><li>My husband and I are in our early 40s. We own our home outright, have no debt, and paid for college in cash. We’ve saved about $140,000 and would like to invest $100,000, but we’re not sure of the best way to do that.</li><li>I was overpaid SSDI by Social Security and am currently repaying it. Do I need to repay the overpayment before I can receive my retirement benefits?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find-a-cka">Find a Certified Kingdom Advisor (CKA)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp; Finance is also available on <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network</a> and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. You can also visit <a href="http://faithfi.com">FaithFi.com</a> to connect with our online community and <a href="https://www.faithfi.com/give">partner with us</a> as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.

<description>&lt;p&gt;As Christmas Day draws near, we often hear stories of generosity, kindness, and the spirit of giving. But perhaps no story has inspired these virtues more than the life of St. Nicholas—a real man whose faith-filled generosity continues to echo through the centuries.&lt;/p&gt;&lt;p&gt;Long before red suits and reindeer entered the picture, Nicholas lived a quiet, Christ-centered life marked by sacrificial love. His story reminds us that the true meaning of Christmas isn’t found in what we receive, but in how we reflect the love of Jesus to others.&lt;/p&gt;&lt;h3&gt;A Childhood Shaped by Faith—and Loss&lt;/h3&gt;&lt;p&gt;Nicholas was born around A.D. 280 into a wealthy Christian family in Patara, a bustling port city in modern-day Turkey. From an early age, his parents taught him the teachings of Jesus—especially the call to care for the poor and the vulnerable. Their daily example planted seeds of compassion that would later bear extraordinary fruit.&lt;/p&gt;&lt;p&gt;A tragedy occurred when Nicholas was still young. An epidemic claimed the lives of both his parents, leaving him orphaned—but also leaving him with a significant inheritance. In his grief, Nicholas turned to his faith. Rather than clinging to his wealth, he saw it as a means to serve others and live out the gospel.&lt;/p&gt;&lt;p&gt;Nicholas became known for quietly helping those in desperate situations. His most famous act of generosity involved a poor man and his three daughters. In that culture, a dowry was required for marriage. Without it, the daughters faced the horrifying prospect of being sold into slavery.&lt;/p&gt;&lt;p&gt;Moved by their plight, Nicholas acted—secretly. Under the cover of night, he delivered a bag of gold to the family, securing the eldest daughter's future. He returned twice more, each time providing enough to ensure another daughter could marry safely.&lt;/p&gt;&lt;p&gt;When the father eventually discovered Nicholas’s identity, Nicholas urged him to thank God alone. He took Jesus’ words to heart: &lt;i&gt;“When you give to the needy, do not let your left hand know what your right hand is doing”&lt;/i&gt; (Matthew 6:3). Nicholas didn’t seek recognition—only faithfulness.&lt;/p&gt;&lt;h3&gt;A Shepherd With Courage and Conviction&lt;/h3&gt;&lt;p&gt;Later in life, Nicholas became the bishop of Myra, where his compassion expanded beyond individuals to an entire community. He was known for defending the poor, standing up for the innocent, and shepherding his people with deep love.&lt;/p&gt;&lt;p&gt;During the persecution of Christians under Emperor Diocletian, Nicholas risked imprisonment for his faith. He later attended the Council of Nicaea in A.D. 325, standing firm for the truth of the gospel. Yet what truly defined him wasn’t his position—it was his Christlike love.&lt;/p&gt;&lt;p&gt;Nicholas lived as if true wealth was found not in possessions, but in a living relationship with God.&lt;/p&gt;&lt;p&gt;After his death on December 6, A.D. 343, stories of Nicholas’s generosity spread across generations. He became known as a protector of children, a patron of sailors, and a symbol of selfless giving. Over time, his life inspired the figure we now associate with Santa Claus—but behind the legend stands a man devoted to glorifying God.&lt;/p&gt;&lt;p&gt;The story of St. Nicholas challenges us to reconsider the meaning of Christmas. His life wasn’t about extravagant gifts or public praise. It was about embodying the love of Christ—sacrificial, humble, and freely given.&lt;/p&gt;&lt;h3&gt;Living the True Meaning of Christmas&lt;/h3&gt;&lt;p&gt;This Christmas, as we exchange gifts and gather with loved ones, let’s remember that the greatest gift has already been given—Jesus Christ, who came to save sinners and offer eternal life.&lt;/p&gt;&lt;p&gt;Like St. Nicholas, we are called to share that gift with others. Through generosity, service, and simple acts of kindness, we can reflect the light of Christ in a world desperate for hope. As Jesus reminded us, &lt;i&gt;“It is more blessed to give than to receive.”&lt;/i&gt;&lt;/p&gt;&lt;p&gt;May the story of St. Nicholas inspire us to give generously, love deeply, and celebrate the true meaning of Christmas—because it’s not the gifts we receive, but the love we share, that makes this season truly special.&lt;/p&gt;&lt;h3&gt;On Today’s Program, Rob Answers Listener Questions:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;I’ve heard that even if you have a will, your estate still has to go through court, but that having a trust allows you to avoid that. Is that correct? Since I currently have both a will and a trust, is it advisable to keep both?&lt;/li&gt;&lt;li&gt;I’m the CFO of a company that’s considering a sale. The CEO wants to sell to a buyer I’m concerned could ultimately harm the company. Given my role, what counsel or perspective can I offer the CEO as we consider this decision?&lt;/li&gt;&lt;li&gt;I’m 82 years old and have lost my eyesight, which makes it difficult to write checks and pay bills. What options are available for setting up automatic bill pay or managing my finances more easily?&lt;/li&gt;&lt;li&gt;I’ll be retiring soon—I turn 62 next year—and I still owe about $119,000 on my home. I work part-time, and my husband works full-time. Should I start collecting Social Security now, even though I’ll continue working, so we can pay off the house more quickly?&lt;/li&gt;&lt;li&gt;My husband and I are in our early 40s. We own our home outright, have no debt, and paid for college in cash. We’ve saved about $140,000 and would like to invest $100,000, but we’re not sure of the best way to do that.&lt;/li&gt;&lt;li&gt;I was overpaid SSDI by Social Security and am currently repaying it. Do I need to repay the overpayment before I can receive my retirement benefits?&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;Resources Mentioned:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://faithfi.com/give"&gt;Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/shop/wisdomoverwealth"&gt;Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/sparrows"&gt;Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/rtg"&gt;Rich Toward God: A Study on the Parable of the Rich Fool&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/find-a-cka"&gt;Find a Certified Kingdom Advisor (CKA)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/manage"&gt;FaithFi App&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;&lt;p&gt;Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp;amp; Finance is also available on &lt;a href="https://www.moodyradio.org/programs/faith-and-finance/"&gt;Moody Radio Network&lt;/a&gt; and &lt;a href="https://afr.net/podcasts/faith-finance/"&gt;American Family Radio&lt;/a&gt;. You can also visit &lt;a href="http://faithfi.com"&gt;FaithFi.com&lt;/a&gt; to connect with our online community and &lt;a href="https://www.faithfi.com/give"&gt;partner with us&lt;/a&gt; as we help more people live as faithful stewards of God’s resources.&lt;/p&gt;&lt;/p&gt;&lt;br/&gt; &lt;p&gt;Hosted by Simplecast, an AdsWizz company. See &lt;a href="https://pcm.adswizz.com"&gt;pcm.adswizz.com&lt;/a&gt; for information about our collection and use of personal data for advertising.&lt;/p&gt;</description>

As Christmas Day draws near, we often hear stories of generosity, kindness, and the spirit of giving. But perhaps no story has inspired these virtues more than the life of St. Nicholas—a real man whose faith-filled generosity continues to echo through the centuries.

Long before red suits and reindeer entered the picture, Nicholas lived a quiet, Christ-centered life marked by sacrificial love. His story reminds us that the true meaning of Christmas isn’t found in what we receive, but in how we reflect the love of Jesus to others.

The Generosity of Saint Nicholas

With college costs rising faster than inflation, many families feel cornered—scrambling for scholarships, stretching savings, or bracing for years of student loan payments. But there’s one meaningful option that often gets overlooked: military service.For students who feel led to serve, military pathways can provide full tuition, a monthly stipend, and exceptional leadership development—all while graduating debt-free. Today, we sat down with Matt Bell, Managing Editor at <a href="https://soundmindinvesting.org/?%24web_only=true&_branch_match_id=1507389872650967943&utm_source=moneywise&utm_medium=moneywise&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing</a>, to explore how these programs work and who they’re best suited for.Matt brings a personal connection to this topic. One of his sons is currently attending the U.S. Air Force Academy, and his insight helped illuminate both the opportunity—and the responsibility—this path entails.<h3>Why Military Education Pathways Are Often Missed</h3>For the right student, military service can be a remarkable way to fund higher education. And that qualifier matters.As Matt shared, these programs are designed for students who are willing to serve their country and take on demanding challenges. In return, the military offers generous education benefits through several primary pathways—most notably the U.S. Service Academies and the <a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc">Reserve Officers’ Training Corps (ROTC)</a>.Beyond the financial benefits, these programs offer leadership training and real-world experience that traditional colleges can’t replicate. Matt mentioned that his son is currently choosing between summer programs such as jump school, where cadets learn to parachute, and soaring school, which involves flying gliders. Those aren’t exactly typical college electives.<h3>The U.S. Service Academies: What Families Should Know</h3>There are five U.S. Service Academies:<ul><li><a href="https://www.westpoint.edu/">U.S. Military Academy (West Point)</a></li><li><a href="https://www.usafa.af.mil/">U.S. Air Force Academy</a></li><li><a href="https://www.usna.edu/homepage.php">U.S. Naval Academy</a></li><li><a href="https://uscga.edu/">U.S. Coast Guard Academy</a></li><li><a href="https://www.usmma.edu/">U.S. Merchant Marine Academy</a></li></ul>At each academy, tuition, room, and board are fully covered, and students receive a monthly stipend. But admission is highly competitive. Some academies have acceptance rates as low as 9–10%.Applicants are evaluated holistically. Strong academic performance, high SAT or ACT scores, physical fitness, athletic participation, and demonstrated leadership all matter. Character is essential as well—letters of recommendation play a key role.And then there’s one more hurdle: a nomination from a member of Congress or the Vice President (required for all academies except the Coast Guard). That process alone requires early planning and persistence.Graduates of the service academies don’t walk away with a “free” education—they earn it through service.Typically, graduates commit to five years of active-duty service followed by three years in the reserves. Specific roles, such as pilots, require longer commitments—often up to ten years after specialized training.All graduates are commissioned as officers, gaining leadership experience that opens doors to a wide range of future careers, both within and beyond the military.<h3>ROTC: A Different—but Still Powerful—Option</h3><a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc">ROTC</a> offers another pathway and is available on more than 1,700 college campuses nationwide.Unlike the academies, ROTC students experience a more traditional college environment. They typically wear uniforms one day a week rather than full-time, and they integrate military training alongside their academic studies.ROTC scholarships can cover tuition and room and board, and graduates are commissioned at the same officer rank as academy graduates. Service commitments are generally slightly shorter, but the calling to serve remains central.As appealing as debt-free college and leadership training may sound, there’s a sobering reality families must weigh carefully.Choosing this path means committing to serve your country—and that includes the possibility of combat. This isn’t just a financial decision or a résumé booster. It requires discernment, maturity, conviction, and a willingness to place service above self.<h3>Final Thoughts</h3>Military education pathways are not for every student—but for the right one, they can be transformative. They offer freedom from student debt, unparalleled leadership development, and the opportunity to serve something greater than oneself.As families prayerfully consider college decisions, this option deserves thoughtful, informed consideration—not just for what it provides, but for what it asks in return.<h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I have Parkinson’s and will need to stop working soon. I live in a paid-off home, and I also own a beach property with a mortgage. Once I stop working, I won’t be able to afford that payment. The beach home has been on the market for over a year and a half without selling. If I allow the bank to foreclose on it, what are the consequences—especially when it comes to taxes and whether it could affect my primary residence?</li><li>I’m trying to understand whether a will is enough for my situation or if I need additional estate planning. I want to be sure my children receive everything I intend to leave to them.</li><li>I’m taking early retirement from the government and have just over $1 million in my Thrift Savings Plan (TSP). I’m in my early 50s and plan to focus full-time on caring for my family. I want guidance on how to proceed with that money.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)</a></li><li><a href="https://www.westpoint.edu/">U.S. Military Academy (West Point)</a> | <a href="https://www.usafa.af.mil/">U.S. Air Force Academy</a> | <a href="https://www.usna.edu/homepage.php">U.S. Naval Academy</a> | <a href="https://uscga.edu/">U.S. Coast Guard Academy</a> | <a href="https://www.usmma.edu/">U.S. Merchant Marine Academy</a> | <a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc">Reserve Officers Training Corps ROTC</a></li><li><a href="https://soundmindinvesting.org/?%24web_only=true&_branch_match_id=1507389872650967943&utm_source=moneywise&utm_medium=moneywise&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA">Sound Mind Investing (SMI)</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find-a-cka">Find a Certified Kingdom Advisor (CKA)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp; Finance is also available on <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network</a> and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. You can also visit <a href="http://faithfi.com">FaithFi.com</a> to connect with our online community and <a href="https://www.faithfi.com/give">partner with us</a> as we help more people live as faithful stewards of God’s resources. Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.

<description>&lt;p&gt;With college costs rising faster than inflation, many families feel cornered—scrambling for scholarships, stretching savings, or bracing for years of student loan payments. But there’s one meaningful option that often gets overlooked: military service.&lt;/p&gt;&lt;p&gt;For students who feel led to serve, military pathways can provide full tuition, a monthly stipend, and exceptional leadership development—all while graduating debt-free. Today, we sat down with Matt Bell, Managing Editor at &lt;a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1507389872650967943&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA"&gt;Sound Mind Investing&lt;/a&gt;, to explore how these programs work and who they’re best suited for.&lt;/p&gt;&lt;p&gt;Matt brings a personal connection to this topic. One of his sons is currently attending the U.S. Air Force Academy, and his insight helped illuminate both the opportunity—and the responsibility—this path entails.&lt;/p&gt;&lt;h3&gt;Why Military Education Pathways Are Often Missed&lt;/h3&gt;&lt;p&gt;For the &lt;i&gt;right&lt;/i&gt; student, military service can be a remarkable way to fund higher education. And that qualifier matters.&lt;/p&gt;&lt;p&gt;As Matt shared, these programs are designed for students who are willing to serve their country and take on demanding challenges. In return, the military offers generous education benefits through several primary pathways—most notably the U.S. Service Academies and the &lt;a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc"&gt;Reserve Officers’ Training Corps (ROTC)&lt;/a&gt;.&lt;/p&gt;&lt;p&gt;Beyond the financial benefits, these programs offer leadership training and real-world experience that traditional colleges can’t replicate. Matt mentioned that his son is currently choosing between summer programs such as jump school, where cadets learn to parachute, and soaring school, which involves flying gliders. Those aren’t exactly typical college electives.&lt;/p&gt;&lt;h3&gt;The U.S. Service Academies: What Families Should Know&lt;/h3&gt;&lt;p&gt;There are five U.S. Service Academies:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://www.westpoint.edu/"&gt;U.S. Military Academy (West Point)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.usafa.af.mil/"&gt;U.S. Air Force Academy&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.usna.edu/homepage.php"&gt;U.S. Naval Academy&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://uscga.edu/"&gt;U.S. Coast Guard Academy&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.usmma.edu/"&gt;U.S. Merchant Marine Academy&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;At each academy, tuition, room, and board are fully covered, and students receive a monthly stipend. But admission is highly competitive. Some academies have acceptance rates as low as 9–10%.&lt;/p&gt;&lt;p&gt;Applicants are evaluated holistically. Strong academic performance, high SAT or ACT scores, physical fitness, athletic participation, and demonstrated leadership all matter. Character is essential as well—letters of recommendation play a key role.&lt;/p&gt;&lt;p&gt;And then there’s one more hurdle: a nomination from a member of Congress or the Vice President (required for all academies except the Coast Guard). That process alone requires early planning and persistence.&lt;/p&gt;&lt;p&gt;Graduates of the service academies don’t walk away with a “free” education—they earn it through service.&lt;/p&gt;&lt;p&gt;Typically, graduates commit to five years of active-duty service followed by three years in the reserves. Specific roles, such as pilots, require longer commitments—often up to ten years after specialized training.&lt;/p&gt;&lt;p&gt;All graduates are commissioned as officers, gaining leadership experience that opens doors to a wide range of future careers, both within and beyond the military.&lt;/p&gt;&lt;h3&gt;ROTC: A Different—but Still Powerful—Option&lt;/h3&gt;&lt;p&gt;&lt;a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc"&gt;ROTC&lt;/a&gt; offers another pathway and is available on more than 1,700 college campuses nationwide.&lt;/p&gt;&lt;p&gt;Unlike the academies, ROTC students experience a more traditional college environment. They typically wear uniforms one day a week rather than full-time, and they integrate military training alongside their academic studies.&lt;/p&gt;&lt;p&gt;ROTC scholarships can cover tuition and room and board, and graduates are commissioned at the same officer rank as academy graduates. Service commitments are generally slightly shorter, but the calling to serve remains central.&lt;/p&gt;&lt;p&gt;As appealing as debt-free college and leadership training may sound, there’s a sobering reality families must weigh carefully.&lt;/p&gt;&lt;p&gt;Choosing this path means committing to serve your country—and that includes the possibility of combat. This isn’t just a financial decision or a résumé booster. It requires discernment, maturity, conviction, and a willingness to place service above self.&lt;/p&gt;&lt;h3&gt;Final Thoughts&lt;/h3&gt;&lt;p&gt;Military education pathways are not for every student—but for the right one, they can be transformative. They offer freedom from student debt, unparalleled leadership development, and the opportunity to serve something greater than oneself.&lt;/p&gt;&lt;p&gt;As families prayerfully consider college decisions, this option deserves thoughtful, informed consideration—not just for what it provides, but for what it asks in return.&lt;/p&gt;&lt;h3&gt;On Today’s Program, Rob Answers Listener Questions:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;I have Parkinson’s and will need to stop working soon. I live in a paid-off home, and I also own a beach property with a mortgage. Once I stop working, I won’t be able to afford that payment. The beach home has been on the market for over a year and a half without selling. If I allow the bank to foreclose on it, what are the consequences—especially when it comes to taxes and whether it could affect my primary residence?&lt;/li&gt;&lt;li&gt;I’m trying to understand whether a will is enough for my situation or if I need additional estate planning. I want to be sure my children receive everything I intend to leave to them.&lt;/li&gt;&lt;li&gt;I’m taking early retirement from the government and have just over $1 million in my Thrift Savings Plan (TSP). I’m in my early 50s and plan to focus full-time on caring for my family. I want guidance on how to proceed with that money.&lt;/li&gt;&lt;/ul&gt;&lt;h3&gt;Resources Mentioned:&lt;/h3&gt;&lt;ul&gt;&lt;li&gt;&lt;a href="https://faithfi.com/give"&gt;Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.westpoint.edu/"&gt;U.S. Military Academy (West Point)&lt;/a&gt; | &lt;a href="https://www.usafa.af.mil/"&gt;U.S. Air Force Academy&lt;/a&gt; | &lt;a href="https://www.usna.edu/homepage.php"&gt;U.S. Naval Academy&lt;/a&gt; | &lt;a href="https://uscga.edu/"&gt;U.S. Coast Guard Academy&lt;/a&gt; | &lt;a href="https://www.usmma.edu/"&gt;U.S. Merchant Marine Academy&lt;/a&gt; | &lt;a href="https://www.goarmy.com/careers-and-jobs/find-your-path/army-officers/rotc"&gt;Reserve Officers Training Corps ROTC&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://soundmindinvesting.org/?%24web_only=true&amp;_branch_match_id=1507389872650967943&amp;utm_source=moneywise&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAA8soKSkottLXL8ozMsnWSywo0MvJzMvWT9Uvzi%2FNS8nNzEvJzCtLLS7JzEu3rytKTUstKgIy45OK8suLU4tsnTOK8nNTAU0jnGBFAAAA"&gt;Sound Mind Investing (SMI)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/shop/wisdomoverwealth"&gt;Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/sparrows"&gt;Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/rtg"&gt;Rich Toward God: A Study on the Parable of the Rich Fool&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/find-a-cka"&gt;Find a Certified Kingdom Advisor (CKA)&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href="https://www.faithfi.com/manage"&gt;FaithFi App&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;&lt;p&gt;Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith &amp;amp; Finance is also available on &lt;a href="https://www.moodyradio.org/programs/faith-and-finance/"&gt;Moody Radio Network&lt;/a&gt; and &lt;a href="https://afr.net/podcasts/faith-finance/"&gt;American Family Radio&lt;/a&gt;. You can also visit &lt;a href="http://faithfi.com"&gt;FaithFi.com&lt;/a&gt; to connect with our online community and &lt;a href="https://www.faithfi.com/give"&gt;partner with us&lt;/a&gt; as we help more people live as faithful stewards of God’s resources.&lt;/p&gt;&lt;/p&gt;&lt;br/&gt; &lt;p&gt;Hosted by Simplecast, an AdsWizz company. See &lt;a href="https://pcm.adswizz.com"&gt;pcm.adswizz.com&lt;/a&gt; for information about our collection and use of personal data for advertising.&lt;/p&gt;</description>

With college costs rising faster than inflation, many families feel cornered—scrambling for scholarships, stretching savings, or bracing for years of student loan payments. But there’s one meaningful option that often gets overlooked: military service.

For students who feel led to serve, military pathways can provide full tuition, a monthly stipend, and exceptional leadership development—all while graduating debt-free. Today, we sat down with Matt Bell, Managing Editor at Sound Mind Investing, to explore how these programs work and who they’re best suited for.

Matt brings a personal connection to this topic. One of his sons is currently attending the U.S. Air Force Academy, and his insight helped illuminate both the opportunity—and the responsibility—this path entails.

Paying for College Through Military Service with Matt Bell

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.

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