The Futility of Fear » Audio Archive » Faith & Finance

Faith & Finance

Christian talk radio with Rob West

SHARE BROADCAST

Broadcast Episode

January 26

The Futility of Fear

It’s easy to let fear take over when financial circumstances spin out of control. But the truth is, you don’t have to give in to anxiety and fear. On the next Faith & Finance Live, host Rob West will talk about the futility of fear and how you can overcome the financial fears you're facing today. Then he’ll take your calls and various financial questions.

Loading the player...

About Faith & Finance

How does your faith in Jesus influence your daily financial decisions? As believers, our faith must be the foundation of our financial stewardship, which is why we're excited to announce that the MoneyWise radio show is now Faith & Finance. Join Rob West and special guests as they address today’s financial questions with biblical answers. To be a part of the broadcast, call 1 (800) 525-7000 or you can email your questions to: [email protected]

How does your faith in Jesus influence your daily financial decisions? As believers, our faith must be the foundation of our financial stewardship, which is why we're excited to announce that the MoneyWise radio show is now Faith & Finance. Join Rob West and special guests as they address today’s financial questions with biblical answers. To be a part of the broadcast, call 1 (800) 525-7000 or you can email your questions to: [email protected]

More from Faith & Finance

Broadcast Episode

Today

5 Money Myths Christians Should Stop Believing

The Bible is full of wisdom on managing money and possessions, yet there are common beliefs about wealth that are simply unbiblical. These misconceptions can lead people away from God’s truth about finances, creating confusion and stress. Let’s examine five of these myths and explore what the Bible actually teaches. 1. The “I Win, You Lose” MentalityOne widespread belief is that money is a zero-sum game: for someone to have more, someone else must have less. This scarcity mindset fuels anxiety and fear, making people view wealth as something limited. Scripture, however, reveals God’s generosity and ability to provide abundantly. In Psalm 50: 10, God reminds us that He “owns the cattle on a thousand hills. ” Jesus also demonstrated abundance in Matthew 14: 13-21 when He fed five thousand with just five loaves and two fish, leaving behind twelve baskets of leftovers. God is not restricted by human limitations; His resources are limitless, allowing us to live with trust rather than fear. 2. Building Wealth Is SelfishSome believe building wealth is inherently selfish and contrary to a life of faith. However, the Bible encourages us to grow wealth wisely for God’s Kingdom. In Proverbs 13: 11, we learn, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. ” Wealth can be a tool for godly stewardship, enabling us to bless others. Building wealth isn’t about hoarding; it’s about using resources to serve others and accomplish God’s purposes. We can earn, save, and give generously with careful stewardship to impact lives and glorify God. 3. More Money Equals More HappinessAnother myth is that more money will bring more happiness. Many pursue wealth, believing it will lead to contentment and fulfillment, yet Ecclesiastes 5: 10 warns us, “Whoever loves money never has enough; whoever loves wealth is never satisfied. ”True joy comes not from wealth but from a relationship with Christ. The Apostle Paul beautifully illustrates this in Philippians 4: 12-13, “I have learned the secret of being content in any situation, whether well fed or hungry, whether living in plenty or in want. I can do all things through Him who gives me strength. ” True contentment comes from God, not from financial abundance. 4. Only 10 Percent Belongs to GodTithing often stirs debate, but the heart behind our giving matters most. Viewing only ten percent as God’s and the rest as ours is misleading; everything we have belongs to God. This mindset risks making generosity about pride, as if giving more makes us better Christians. When we recognize God’s ownership of all things, our giving becomes a humble response to His generosity. As Deuteronomy 10: 14 says, “To the Lord your God belong heaven and the heaven of heavens, the earth with all that is in it. ” Like David prayed, “Everything comes from you, and we have given you only what comes from your hand. ”5. Giving More Money Means Receiving More MoneyThe final myth is that if we give generously, God will always respond by giving us more money. While God blesses obedience and faithfulness, His blessings are not limited to financial gain. Blessings from God come in many forms—wisdom, peace, relationships, and spiritual growth. The Bible cautions against trying to “bargain” with God for financial returns. Giving should come from a heart of worship and gratitude, not from an expectation of receiving. God’s blessings often transcend wealth, fulfilling our deeper needs beyond money. These common myths about money can lead us away from God’s wisdom, yet by staying rooted in Scripture, we can find true financial peace. Understanding what the Bible really says helps us manage our resources faithfully, focusing on generosity, trust, and purpose. As we reject these unbiblical beliefs, we can steward God’s resources wisely, with an eternal perspective that honors Him. On Today’s Program, Rob Answers Listener Questions: I'm about to lose our house with a big mortgage company. They had me do a forbearance and then a modification, but I couldn't afford the modified payments. Now, they're telling me to wait until it's denied and apply for another modification, but I'm worried they're trying to get me to wait so they can foreclose since we have a lot of equity. Is there help available to work with the mortgage company? I worked at a company with an ESOP and got fired for sharing my faith. About a month before, my wife felt strongly that we should pay off our house. Now, I'll have access to the ESOP money this fourth quarter. Should we use that to pay off the house this year, even though it will impact our taxes? Or should we wait until next year for tax reasons? I'm retiring in 6 months and have $520, 000 in retirement accounts. An investment firm has offered an annuity that would add 30% to my balance and provide an 8% annual increase if I delay withdrawals. If I start withdrawals in the first year, they will pay me $42, 925 per year for life. Is this annuity option beneficial for my situation? My husband plans to retire at age 55. Can he work part-time and still withdraw money from his 401(k) without penalty? And if he returns to work full-time, can he still withdraw from that 401(k) without the 10% penalty? Resources Mentioned: U. S. Department of Housing and Urban Development (HUD. gov)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App

Loading the player...

Broadcast Episode

Friday, November 8

3 Questions To Ask Before Dipping Into Your Emergency Fund

Having an emergency fund is great, but how can you ensure it’s there when you really need it? It’s easy to set aside money for a rainy day, but what happens when we start dipping into that fund for things that aren’t actually emergencies? The Bible has much to say about wisdom and preparation, and Proverbs 21: 20 offers a powerful reminder: “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours them. ”This verse highlights the importance of saving rather than consuming everything we earn, urging us to be prepared for the inevitable challenges that come our way. An emergency fund is one of the most effective financial tools for navigating these moments. It provides a safeguard against unexpected expenses and helps you avoid unnecessary debt. Financial emergencies are almost a certainty in life. They can range from minor inconveniences, like a flat tire, to major setbacks, like a costly medical bill. Establishing an emergency fund reduces stress and provides a financial defense. While building wealth requires a good offense, protecting that wealth requires a strong defense, and an emergency fund is central to that strategy. How Much Should You Save? To get started, aim to save an introductory fund of $1, 000 to $1, 500 for minor emergencies. Once you’ve paid off all debt except for a mortgage and are taking advantage of any employer matching contributions, work toward a fully-funded emergency fund of three to six months’ worth of living expenses. This larger reserve will protect you from significant financial disruptions, such as job loss or a major health crisis. When to Use Your Emergency Fund: Three Key QuestionsNot every expense is a true emergency. Before tapping into your emergency fund, ask yourself these three questions: Is This Urgent? If an expense can wait, it might not be an emergency. Consider saving up instead for non-urgent needs. Is This Necessary? Understanding the difference between needs and wants is essential. A functional, affordable solution often serves better than a luxury purchase. Is This Unexpected? Some expenses, like holidays or birthdays, are predictable and don’t qualify as emergencies. Plan ahead for these recurring costs to keep your emergency fund intact. Using Your Emergency Fund WiselyEven when an expense qualifies as an emergency, aim to spend as little as possible. Adjust your budget temporarily to make funds stretch further, and focus on replenishing your emergency fund as soon as possible. A well-funded emergency account provides more than financial security—it allows you to maintain peace of mind and continue giving generously, regardless of the circumstances. By preparing for the unexpected, you’re also equipped to live out your values, knowing you’re ready for whatever comes next. On Today’s Program, Rob Answers Listener Questions: I have to take the RMD this year and want to roll it over to an IRA to make the Qualified Charitable Distribution (QCD). However, I have deferred compensation, and they said they can't do that. Can I roll it over to an IRA? If so, how do I do that? Does it cost money? Do I have time before the end of the year? My question is about tithing. Tithing is mentioned in the Old Testament, but in the New Testament, Paul stresses giving from the heart. Some say they give as they purpose in their hearts, sometimes more, sometimes less. I'd like your opinion on this. I'm 65, recently retired, and will only receive a partial paycheck until Q1 2025. I have $10, 000 in credit card debt and a $10, 000 car loan but only $50, 000 in my IRA. Would it be wise to withdraw $10, 000 from my IRA to pay off the car loan since I won't be able to afford the $400 monthly payment once my partial paycheck ends? Resources Mentioned: Christian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App

Loading the player...

Broadcast Episode

Thursday, November 7

Count Your Blessings: The Power of Gratitude

In 1897, hymn writer Johnson Oatman Junior penned the timeless words, “Count your blessings, name them one by one, ” a refrain that has encouraged generations. It reminds us of the profound role gratitude plays in the Christian life. As Thanksgiving approaches, this theme of gratitude takes on even greater significance. Let’s look closer at Oatman’s hymn and the enduring truths it holds for us. The Importance of GratitudeThankfulness isn’t just a holiday sentiment. It’s foundational to a life of faith. In 1 Thessalonians 5: 18, we’re reminded to “give thanks in all circumstances; for this is God’s will for you in Christ Jesus. ” Gratitude reorients our focus, reminding us of God’s faithfulness, especially in challenging times. As Oatman writes in the first verse: “When upon life’s billows you are tempest-tossed… Count your many blessings, name them one by one… And it will surprise you what the Lord has done. ”By acknowledging God’s goodness, we find renewed strength even in hardship. Fear and doubt can feel overwhelming, but gratitude has the power to shift our perspective. Psalm 118: 4-5 reminds us, “Out of my distress I called on the Lord; the Lord answered me and set me free. ”Focusing on our blessings brings us peace, as Jesus reassures us in John 16: 33: “In this world you will have trouble. But take heart! I have overcome the world. ”Reflecting on God’s provision can dissolve doubts, replacing anxiety with trust. The hymn’s second verse emphasizes this: “Are you ever burdened with a load of care? … Count your many blessings, ev'ry doubt will fly. ” When we reflect on God’s faithfulness, we are reminded of His constant presence and care, as David beautifully expresses in Psalm 23. Gratitude Refines Our PrioritiesOatman’s third verse warns against comparing ourselves to others, stating: “When you look at others with their lands and gold… think that Christ has promised you His wealth untold. ”Focusing on the eternal treasure we have in Christ brings contentment. Jesus offers a peace the world cannot give: “Peace I leave with you; my peace I give to you… Let not your hearts be troubled. ” - John 14: 27Gratitude shifts our hearts away from jealousy toward contentment rooted in Christ. The hymn's refrain encourages a simple yet powerful practice: “Count your blessings, name them one by one… see what God has done. ”When was the last time you paused to reflect on the blessings in your life? Set aside time today to list every blessing you can think of, big or small. It’s a great activity for the entire family—kids included—and you might be surprised at how much you have to be thankful for!Acknowledge the Giver of Every Good GiftWhile counting blessings is a valuable practice, as Christians, we’re called to take it one step further. James 1: 17 reminds us: “Every good gift… is from above, coming down from the Father. ”We should not only count our blessings but also recognize that every blessing is a gift from God. Take a moment to thank Him for each item on your list, and let gratitude renew your joy. Johnson Oatman’s hymn ends with a final reminder: “So, amid the conflict whether great or small… Do not' be discouraged, God is over all. ”Whatever you face, remember that gratitude can lift your spirit and strengthen your faith. Count your blessings, embrace gratitude, and remember God is with you through every trial. Let’s start counting today, knowing that our faithful God is at the heart of every blessing!On Today’s Program, Rob Answers Listener Questions: I borrowed money from my 401(k) to buy a home but had trouble paying. My plan converted the loan to a hardship distribution with a 35% tax penalty. How can I avoid this penalty? My wife will be 62 in August. She's retired, but we still file taxes jointly. I was thinking about her taking her Social Security early. Would it be taxed since I still work? I own a land-flipping and splitting business. We are about $5. 5 million in debt and have brought in about $1. 2 million in average revenue over the last few years. What is a good debt-to-income ratio for a small business like mine? I need $175, 000 to finish building our final home. My accountant suggested I borrow from one of my rental properties instead of taking it from my IRA and paying taxes. I'm struggling with that - I don't want the monthly payments. Should I just take the money from the IRA and pay the taxes or borrow from the rental property? Resources Mentioned: Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App

Loading the player...

Broadcast Episode

Wednesday, November 6

Bringing Hope to India’s Most Vulnerable with David Harms

Psalm 82: 3 says, “Give justice to the poor and the orphan, uphold the rights of the oppressed and the destitute. ”This powerful verse reminds us of our responsibility to care for those in need. Today, we turn our attention to a ministry doing just that—India Partners, which is providing hope and rescue to the oppressed in India. David Harms has devoted nearly a decade of ministry to the work of India Partners, an underwriter of Faith & Finance. With over 35 years of experience in rescuing victims of human trafficking, India Partners continues to make a profound impact on the lives of the most vulnerable. The Horrific Reality in IndiaIndia is a nation of contrasts—technologically advanced in many respects, yet home to nearly 300 million people living in extreme poverty. Among the most vulnerable are young girls, some as young as eight, who are trafficked into red-light districts and subjected to unimaginable horrors. These girls endure horrific conditions, facing abuse daily in slums filled with filth and open sewage. The purpose of this abuse is to break their spirits, forcing them to believe they have no escape and no hope of a future. India Partners, a ministry that has been rescuing victims of human trafficking for over 40 years, works tirelessly to save these young girls from this life of exploitation. Through their rescue efforts, they take these girls from the red-light districts to safe houses where they receive love, care, and, most importantly, the hope of Jesus. Safe Houses: A Place for HealingIndia Partners' safe houses offer full care, including room and board, private Christian education, medical attention, and trauma counseling. Each girl receives individual and group therapy to address the deep wounds inflicted upon them. Over time, these girls are not only physically rescued but spiritually healed, learning their true identity in Christ as beloved daughters of God. How You Can HelpAs stewards of God’s resources, we have a role to play in alleviating this suffering. You can partner with India Partners to bring hope and healing to these young girls. For just $8. 89, you can underwrite a day of care for one girl. Visit IndiaPartners. org/faith to learn more and give generously. Your support of India Partners allows you to be the hands and feet of Jesus, offering rescue, healing, and hope to those in desperate need. Visit IndiaPartners. org/faith today and make a difference in the lives of India’s most vulnerable. On Today’s Program, Rob Answers Listener Questions: We are buying a new home and selling our current home, which we purchased over 30 years ago for $100, 000 and is now worth $500, 000-$550, 000. Will we have to pay capital gains tax on the sale? How do you determine whether a reverse mortgage would be beneficial? I own a condo with no mortgage and want to buy an investment property. The bankers are telling me to take out equity from my condo to do this, but I need clarification on this. Wouldn’t it be better to get a conventional or FHA loan for the investment property instead? In a divorce situation where one spouse was a stay-at-home parent for many years, what determines the obligation for spousal support or alimony, especially if that spouse has a disability and limited assets? Resources Mentioned: India PartnersMovement MortgageUnderstanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App

Loading the player...

Broadcast Episode

Tuesday, November 5

Why Investing In Your Marriage Matters with Dr. Gary Chapman

Marriage is a living relationship that requires constant care and attention. Dr. Gary Chapman, renowned author of The 5 Love Languages: The Secret to Love that Lasts, highlights this in his resource, A Couple’s Guide to a Growing Marriage. This Bible study helps couples invest in their marriage with a structured, intentional approach, ensuring their relationship grows stronger. Working on your marriage benefits not just the couple but also their children and the broader community. Strong marriages create strong families, which have a positive impact on society. For Christian couples, it’s essential to follow biblical principles for marriage, as the Bible has much to say about how to nurture this sacred relationship. What’s In The Study? This 12-week Bible study includes: Weekly Activities and Bible Study: Each session starts with an opening activity and a Bible study focused on topics related to marriage and our relationship with God. Practical Exercises: Couples engage in learning exercises that apply biblical teachings to their relationship. Scripture Memorization: Memorizing verses helps reinforce the lessons learned. Daily Conversations: Couples are encouraged to have daily conversations with God and with each other, fostering open communication and deeper understanding. Topics covered include communication, expressing love, handling anger, and resolving conflicts—essential skills for any marriage. The Importance of CommunicationA key theme in the study is the importance of regular, honest communication. Marriages don’t drift together; they drift apart. Therefore, couples must intentionally spend time together, discuss their feelings, and address issues. By listening to each other with the goal of understanding, not arguing, couples can find solutions and strengthen their bond. Managing Finances TogetherOne chapter focuses on making money an asset to your marriage while stressing the importance of financial transparency and fidelity. Managing money together is a significant part of marriage, and disagreements over finances are common. The study encourages couples to align on issues like giving, saving, and spending while working as a team to manage household finances. The Win: A Stronger, Healthier MarriageCouples who commit to this study will be better equipped to nurture a loving, supportive, and united marriage. Not only will they benefit, but their children will also see a healthy model of financial and relational teamwork. Dr. Chapman’s A Couple’s Guide to a Growing Marriage offers a pathway to the marriage every couple dreams of—one built on love, trust, and shared faith. On Today’s Program, Rob Answers Listener Questions: I have a friend who buys a house a year and uses it for Airbnb. He's profitable. I'm just concerned about what they're talking about, the economy, and the changes that might happen. I would like to know your thoughts and an exit strategy should things go south. My husband and I are dairy farmers with operating and capital lines of credit. We've struggled to make progress on these lines in the last couple of years. We have some money in a Roth IRA that we're considering using to pay down the lines of credit, which now have an 8. 5% interest rate. Would there be any tax consequences to withdrawing the Roth IRA funds? Resources Mentioned: A Couple's Guide to a Growing Marriage: A Bible Study by Dr. Gary ChapmanThe 5 Love Languages: The Secret to Love that Lasts by Dr. Gary ChapmanLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App

Loading the player...

You Might Also Like