More Than Money: Recent Episodes
Art Rainer
The More Than Money Podcast helps listeners get financially healthy for the sake of giving and living generously. In each episode, Art Rainer provides fun, practical, biblically-based financial advice through interviews and listener questions. Our goal with this podcast is for you to understand God's design for you and your money as you learn to give generously, save wisely, and live appropriately.
Sports betting has exploded into the mainstream, but are we ignoring the financial and addictive consequences that come with it? In this episode, Art makes the case that gambling should be treated more like smoking, with stronger warnings, tighter advertising restrictions, and a more honest conversation about the damage it can cause. Resources:8 Money Milestones
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August is the perfect time to reset your finances before the busy fall season begins. In this episode of More Than Money, Art shares four smart money moves for August and answers listener questions about saving for a child's college and helping an adult child move back home with both grace and healthy expectations. Resources:8 Money Milestones
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Number one bestselling author and trusted financial expert Anthony O'Neal joins Art to discuss the practical tools and everyday habits that can help you build financial margin—even if you're starting from zero. Don't miss this engaging, practical, and motivating episode filled with actionable insights you can put to work right away. Resources:8 Money Milestones
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Most people say churches talk about money too much, but what if the opposite is true? In this episode, Art explains why biblical teaching on money is essential for discipleship, encourages pastors to address the topic with confidence, and shows how anyone can help transform lives by leading an 8 Money Milestones group at their church. Resources:8 Money Milestones
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Should you wait until you're financially healthy before you start giving? In this episode, Art provides an unpopular opinion, answers two of the most common generosity questions he receives, and explains the biblical principles that can help you honor God whether your income is growing, shrinking, or temporarily gone. Resources:8 Money Milestones
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Church leaders, what are your plans for the fall? In this episode, Art provides five reasons why churches should launch an 8 Money Milestones group this fall. Plus, he shares his favorite 8 Money Milestones group story. Don't miss it! Resources:8 Money Milestones
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College degrees that don't pay off. Rising foreclosures. Warren Buffett's warning about a culture obsessed with gambling instead of investing. Plus, Art answers two important listener questions: How much should you really spend on an engagement ring, and what's the biggest financial mistake a man can make in his 30s? Resources:8 Money Milestones
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Do you love to spend but struggle to save? In this episode, Art Rainer shares practical, biblical strategies to help Spenders break the cycle of impulse spending, build margin, and take their next step toward biblical financial health. Resources:8 Money Milestones
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Are you an Investor money personality? In this episode, Art Rainer explores the strengths and blind spots of Investors, challenges them to place their hope in God (not their portfolio) and shares practical steps to help them steward wealth faithfully. Resources:8 Money Milestones
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Money feels overwhelming, so you avoid it. But avoiding it won't make it go away. In this episode, Art Rainer helps Ignorers overcome financial avoidance, understand your financial reality, and take your next faithful step. Discover how a few small actions can lead to greater confidence and peace. Resources:8 Money Milestones
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Saving is wise, but it can become a problem when saving becomes the goal. In this episode, Art Rainer shares how the 8 Money Milestones help savers spend with confidence and steward God's resources faithfully. Resources:8 Money Milestones
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Celebrate Independence Day by taking four practical steps toward greater financial freedom. In this episode, Art shares simple July money moves that can help you reduce debt, build financial margin, strengthen your budget, and increase your generosity. If you're ready to make meaningful progress this month, this episode will give you a clear plan to get started. Resources:8 Money Milestones
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Halfway through the year is the perfect time to stop guessing and start measuring your financial progress. In this episode, Art walks you through a simple mid-year financial check-up that reveals where you stand and what your next smartest move should be. If you want to finish the year stronger than you started, this episode will help you get there. Resources:8 Money Milestones
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Buy Now, Pay Later promises convenience, but it may be one of the most dangerous financial traps facing young adults today. In this episode, Art Rainer exposes the psychology behind BNPL, shares eye-opening statistics on missed payments, and explains why small installments can quietly lead to big financial problems. Resources:8 Money Milestones
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Credit cards promise rewards, convenience, and cash back, but are they quietly draining your budget and keeping you stuck financially? In this episode, Art unpacks the psychology behind credit card spending, explains why rewards often cost more than they return, and shares a biblical framework for using money faithfully. Plus, learn why the debt snowball continues to help thousands of people eliminate debt faster and gain momentum toward lasting financial freedom. Resources:8 Money Milestones
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What happens when two people with the same income make very different decisions with their money? Art shares a compelling story that illustrates the power of delayed gratification, then answers listener questions about building net worth and choosing the right place to retire. This episode is packed with practical wisdom for anyone who wants to make smarter financial decisions today and enjoy greater freedom tomorrow. Resources:8 Money Milestones
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Elon Musk has become a trillionaire, and there are many opinions about it. Dr. David Jones, a financial ethicist, joins Art to examine extreme wealth through a biblical lens. Don’t miss this engaging and theologically rich conversation. Resources:8 Money Milestones
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What's quietly destroying your financial health? In this episode, Art identifies seven common financial pitfalls—from discontentment and lifestyle inflation to debt and misplaced trust—and explains how they can derail your progress over time. He also answers listener questions about contentment, spending decisions, and how to faithfully steward God's resources. Resources:8 Money Milestones
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What does your bank statement reveal about your faith? In this episode, Art shares 10 reasons a Christian's finances should look different from the world's. He also answers listener questions about giving before saving, prioritizing the local church in generosity, and navigating financial support for aging parents. Resources:8 Money Milestones
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Should you pause your debt payoff plan when a baby is on the way? How do you trust God when money is tight? What are Trump Accounts, and what do parents need to know? Plus, Art makes his Stanley Cup prediction. This episode is packed with practical financial guidance, biblical wisdom, and answers to listener questions. Don't miss it! Resources:8 Money Milestones
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This episode is packed with practical financial wisdom! Art shares four smart money moves to make during the month of June, helps a couple determine whether it's the right time to refinance their mortgage, guides a single mom through the decision of whether travel sports are worth the cost, and wraps up with several great summer book recommendations. Resources:8 Money Milestones
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Feeling like you’ve failed financially can quietly crush your confidence, your marriage, and your peace. In this episode, Art shares encouragement on what financial leadership looks like in difficult seasons. Plus, a simple strategy for escaping the Klarna “buy now, pay later” cycle before it takes over your budget. Resources:8 Money Milestones
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Debt doesn’t just impact your finances. It shapes your family. In this episode, we explore how payments, credit cards, and financial stress become normalized across generations, and how to break the cycle before your kids repeat it. Resources:8 Money Milestones
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Are credit card rewards worth the risk? What are some signs you may be ready for a credit card? When should you stay away from them? Art dives into some More Than Money Facebook posts on this episode and answers those questions. Resources:8 Money Milestones
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Can you actually buy a car with cash anymore? You can. In this episode, Art shares how he and his wife purchased their new-to-them SUV with cash. Plus, he answers two listener questions: How do you know if lifestyle inflation is hurting your finances, and what should you do if you’re behind on retirement savings in your 40s? Don’t miss this practical and encouraging conversation. Resources:8 Money Milestones
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Are you (or someone you know) a recent college graduate? In this episode, Art shares five smart money moves every 2026 graduate should make, using advice from the MTM community. He also highlights a few must-read financial books that can help young adults build a strong financial foundation. Resources:8 Money Milestones
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In this episode of More Than Money, Art answers questions about retirement savings, tithing while in debt, and how much house you can actually afford. From Roth vs. traditional accounts to navigating generosity in tight seasons, if you’re trying to honor God and stay financially steady, this conversation is for you. Resources:8 Money Milestones
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What side hustles are perfect for the summer months? In this episode, Art shares five opportunities to earn extra income when the weather warms up and the days get longer. Plus, he walks you through the Trifecta frameworks to help you identify your perfect side hustle. Resources:8 Money Milestones
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Are finances tight? This episode is for you. Join Art and Nate as they walk you through practical steps to build a budget when there’s little, or nothing, left at the end of the month, helping you regain clarity, control, and confidence with your money.
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Discontent isn’t just a financial issue. It’s a heart issue that Scripture addresses head-on. In this episode, discover four ways discontent undermines your finances and how embracing biblical contentment can lead to lasting peace and faithful stewardship.
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In this episode, we explore the five most common regrets retirees share about their financial decisions and what they wish they had done differently. From saving too little to retiring too early, these insights will help you make wiser choices today, so your future self has fewer regrets tomorrow. Resources:8 Money Milestones
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Time for some economics! In this episode, we break down NYC’s proposed government-run grocery stores and ask a simple question: Will this make groceries cheaper, or will it just shift the costs somewhere else? We also explore what this could mean for local competition and the long-term ripple effects in the market. Resources:8 Money Milestones
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What does it really mean to “afford” a family vacation, and could taking one be poor stewardship? In this episode, we unpack a biblical approach to vacation spending, explore the types of trips that deliver the most value, and highlight five of the most cost-efficient family vacation destinations in the U.S. Resources:8 Money Milestones
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In this episode, we break down four simple, but all too common, mistakes that can derail your retirement investments. Learn how to avoid emotional decisions, stay consistent, and build long-term wealth even when the market feels uncertain. Plus, hear about the March Madness bracket strategy that won this year’s More Than Money Bracket Challenge! Resources:8 Money Milestones
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In this episode, we dive into how TikTok can quietly mess with your money by making everyone look richer than they are, turning “I didn’t know I needed that” into a spending habit, and normalizing a lifestyle your budget never signed up for. We also unpack how the algorithm keeps you scrolling and sometimes even steers you toward bad financial advice that sounds smart in 30 seconds but falls apart in real life. Resources:8 Money Milestones
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How do you know when it’s the right time to launch a business? In this episode, Art walks through six key indicators, including capacity, clarity, counsel, and family readiness, to help you discern whether to wait, test, or move forward. If you’ve been sitting on an idea, this conversation will give you the wisdom and confidence to take your next step. Resources:8 Money Milestones
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What if April could set the tone for your entire financial year? In this episode, Art shares four smart money moves to build momentum now and tackles a timely question: why are cars so expensive right now? Resources:8 Money Milestones
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Let’s wrap up our deep dive into the 8 Money Milestones by tackling Milestones 7 and 8. In this episode, Art breaks down saving for college and shares five practical strategies to help you pay off your mortgage early. Don’t miss this powerful conclusion to the mini-series! Resources:8 Money Milestones
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Let’s continue our deep dive into the 8 Money Milestones. In this episode, Art breaks down Money Milestone 5 (Save 3 to 6 months of living expenses for a job loss level emergency) and Money Milestone 6 (Put 15% of your gross income toward retirement. Art provides several surprising stats about these Money Milestones and shares one of the most common retirement savings mistakes people make. Resources:8 Money Milestones
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Let’s continue our deep dive into the 8 Money Milestones! In this episode, Art breaks down Milestones 3 and 4—maximizing your employer match and tackling debt. These are two powerful steps you can take toward financial health, so don’t miss this important episode. Resources:8 Money Milestones
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Let’s kick off a deep dive into the 8 Money Milestones. We start with the foundation: generosity and your first emergency fund. Art breaks down Money Milestones 1 and 2 in a practical, encouraging way, while tackling some of the most common questions people have as they begin their journey. If you’re ready to build momentum with your money, this is where it starts. Resources:8 Money Milestones
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What pops into your mind when you hear the word “millionaire”? A big house? Fancy cars? Exotic vacations? In this episode, Art shares fifteen facts about real millionaires that may surprise you. Plus, he answers a listener's question about long-term care. Don’t miss it! Resources:8 Money Milestones
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Is a college degree still worth it? In this episode, Art dives into the numbers to help determine whether a college degree is worth the cost. He also shares some really bad—and really good—reasons to choose a college. Don’t miss it! Resources:8 Money Milestones
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Is wartime a bad time to start investing? In this episode, Art answers money questions about investing during global uncertainty, managing finances after a ministry layoff, and whether a trust is necessary for an older couple with modest assets. Resources:8 Money Milestones
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In this episode, we explore five jobs that are least likely to be replaced by automation or AI and four more that are likely to stick around. Then Art answers a listener’s question about how to get a spouse who prefers to be hands-off with the finances more engaged. Tune in! Resources:8 Money Milestones
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What are some smart money moves you should be making right now? In this episode, Art shares practical financial steps you can take this month, from preparing for taxes and reviewing your budget to strengthening your emergency fund and planning for upcoming expenses. Along the way, he also answers listener questions about tithing. Don’t miss it! Resources:8 Money Milestones
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Money meetings don’t fail because of math — they fail because of emotion and poor structure. In this episode, we unpack three common mistakes couples make and share a simple framework for building clarity and unity. If you want less tension and more alignment in your marriage, this one’s for you. Resources:8 Money Milestones
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Are you struggling to gain momentum in your finances? In this episode, Art and Nate unpack five common—and fixable—reasons people get stuck and share practical steps you can take to start moving forward. Don’t miss this actionable conversation designed to help you build real financial traction. Resources:8 Money Milestones
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God doesn’t provide financial resources to blow up our marriages. In this episode, Art and Matt share seven practical tips for those preparing to say “I do,” along with guidance for anyone walking alongside engaged couples and helping them build a strong financial foundation for their future together. Don’t miss it! Resources:8 Money Milestones
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Which IRA is better—Roth or Traditional? In this episode, Art and Nate go head-to-head to determine which IRA deserves the title of true champion. They also tackle a listener’s question about IRAs. Don’t miss this fun, live recording of the More Than Money podcast! Resources:8 Money Milestones
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Do you fight with your spouse about money? You’re not alone. In this episode, Art and Matt unpack a recent study revealing the most common financial conflicts couples face and share practical steps to help you and your spouse move toward greater unity with your money. Don’t miss it!
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Is marriage good for your money? In this episode, we dive into surprising statistics that reveal how marriage often leads to greater wealth, lower expenses, and stronger financial stability. You’ll leave encouraged that God’s design for marriage and wise financial stewardship truly work better together. Resources:8 Money Milestones
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It’s a live recording of More Than Money! For those who are ready to get out of debt, this is for you. In this episode, Art shares some guarantees and keys to the debt-free journey. Plus, he answers a couple of listener questions. Resources:
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It’s time for you and your spouse to become a Rich Couple! In this episode, Art discusses his newly re-released book, “The Rich Couple: 30 Days of Following God’s Design for a Financially Healthy Marriage,” and the four critical decisions every couple must make to build a truly rich marriage. Plus, he answers a listener’s question about what to do after reaching Money Milestone 8. Resources:8 Money Milestones
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Money and marriage collide in the best possible way in this February-themed episode as you’re invited to go on a purposeful “money date” with your spouse. You’ll be guided through honest conversations about your finances, shared dreams for the future, and the impact you want to make together. By the end, you’ll see money not as a source of stress, but as a tool God can use to strengthen your relationship and His kingdom.
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What are the 5 states where the cost of living is the lowest? In this episode, Art explains cost of living, why it is so important to your finances, and in what states your dollar goes further. Plus, he answers a question about opening a Roth IRA for a child. Tune in! Resources:8 Money Milestones
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We’re called to steward everything God has entrusted to us—including our PTO days. In this episode, Art explains why not using your PTO can be costly and shares a simple strategy to help you maximize your time off. Plus, he answers a listener’s question about maxing out an employer match. Don’t miss it!
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When income is low or unpredictable, budgeting can feel overwhelming—especially during seasons of loss or transition. In this episode, Art walks through why a tight budget can actually be a blessing, how to build a simple budget when income varies, and practical ways to stay faithful to the plan when progress feels slow. Resources:8 Money Milestones
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Government fraud is all over the headlines, and the recent allegations out of Minnesota raise an important question: why should everyday Americans care? In this episode, Art explains how fraud impacts taxpayers, harms the vulnerable, and how Christians should respond. Don’t miss this timely episode! Resources:8 Money Milestones
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Many retirement mistakes happen long before retirement ever begins. In this episode, Art walks through five massive investing mistakes that can quietly derail your retirement plan, then answers a listener’s question about what to do when you’re close to retirement with little saved. Gain practical guidance on avoiding common pitfalls and taking intentional next steps, no matter where you’re starting. Resources:8 Money Milestones
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A side hustle can help you knock out your next Money Milestones. In this episode, Art walks you through how to identify the best side hustle for you and provides a side hustle idea that he hopes someone will steal. Plus, he offers 8 tips for getting the most out of the 8 Money Milestones group. Tune in! Resources:8 Money Milestones
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Are you looking to make some extra money to knock out your next Money Milestone? In this episode, Art shares practical tips for managing a side hustle when life is already busy and highlights four side hustles that can reportedly generate up to $2,000 per month. Don’t miss it! Resources:8 Money Milestones
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Happy New Year! Ready to start 2026 with clarity and confidence? In this episode, Art shares three smart money moves to help you launch the year strong. Plus, he answers a listener’s question about getting a second income and what to consider before taking that next step. Simple, practical, and faith-filled guidance you don’t want to miss. Resources:8 Money Milestones
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Are you setting some financial goals for 2026? In this episode, Art provides six ways to unlock your goal-setting superpower and increase your likelihood of reaching those goals. Don’t miss the perfect episode for New Year’s Eve! Resources:8 Money Milestones
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Most people don’t ruin their finances with one big mistake—they do it with small, repeated decisions. In this episode, Art walks through 10 common habits that quietly sabotage financial health. Learn what to avoid in 2026 to pursue clarity, margin, and generosity. Resources:8 Money Milestones
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PARENTAL WARNING: In this episode, we move beyond the myth and explore the real story behind Santa Claus. Art dives into the life of the historical St. Nicholas and shares practical money lessons drawn from his generosity. It’s the perfect episode to listen to on Christmas Eve. Resources:8 Money Milestones
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Elon Musk recently suggested that AI and universal income could make saving money unnecessary—but is that really something you should rely on? In this episode, Art breaks down what Scripture says about work, stewardship, and preparing for the future, even during rapid technological advancements.
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A recent study found that 42% of American adults lack an emergency fund. In this Greatest Hit of 2025, Art breaks down the study, uncovering other surprising statistics about emergency savings and sharing essential tips on what not to use your emergency fund for.
Do things seem tight right now? For today’s Greatest Hit of 2025, Art provides seven cash flow killers to be aware of. Plus, Christian, a CERTCFC®, from Nebraska, joins him to answer a money question.
For today’s Greatest Hit of 2025, Art and Matt tell you what NOT to do and provide you with some decisions you should make. Plus, they announce the 2025 More Than Money Bracket Challenge winner! Don’t miss it!
Your 40s are key financial years. In this Greatest Hit of 2025, Art shares key money moves to make in your fourth decade of life. Plus, we're excited to debut a new segment: ‘Ask a CERTCFC®!’ Tune in for expert insights you won’t want to miss.
This Greatest Hit of 2025 is all about used cars—busting five common myths, revealing the top used cars under $20,000, and sharing a powerful story of two very different car-buying decisions. Whether you're car shopping or just love a good financial lesson, you won't want to miss it!
In this episode, we expose five modern American idols that quietly sabotage both your faith and your finances. You’ll learn how these subtle distractions shape your spending, fuel anxiety, and pull your heart away from God’s design for money. Most importantly, you’ll discover practical steps to break free and live with greater clarity, contentment, and generosity. Tune in! Resources:8 Money Milestones
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Do you feel out of control? In this episode, Art addresses the growing crisis of financial confidence among Christians and how stress impacts both peace and generosity. He shares eight simple, biblical habits you can use to regain clarity and control in just 30 days. Plus, he explores how the 8 Money Milestones differ from other financial systems. Tune in! Resources:8 Money Milestones
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It’s an annual tradition on the More Than Money podcast! Matt joins Art to walk through the Financial State of the Union—what it is, why it matters, and how to use it. Plus, they tackle Janet’s question: Is giving less than 10% considered “stealing from God”? Resources:8 Money Milestones
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Finish the year strong! In this episode, Art provides six smart money moves to wrap up 2025. Plus, he answers a listener’s question about refinancing their house. Rates have dropped. Is now the time to take advantage of lower rates? Resources:8 Money Milestones
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Happy Thanksgiving! In the spirit of the season, Art shares seven ways an attitude of gratitude can help you reach your next Money Milestone even faster. Plus, he answers three questions from the More Than Money family, including, “Should I stop my retirement contributions while rebuilding my emergency fund?” Resources:8 Money Milestones
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Join Art and Nate as they break down how to financially prepare for Christmas—without losing the joy of the season. And for the very first time, they’re taking live questions! Tune in for practical tips, a few laughs, and a fresh reminder of what this season is really about. Resources:8 Money Milestones
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Jon posted a question in the More Than Money Facebook Group that set the trajectory for this episode. In it, Art dives into whether ministers should opt out of Social Security, how they can make the most of their housing allowance, and what “Trump Accounts” for kids are all about. Enjoy Jon’s episode! Resources:8 Money Milestones
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How do you build wealth? In this episode, Art walks through seven practical steps for growing your net worth from a biblical perspective. Plus, he answers two listener questions—one about using a Coverdell ESA for homeschool expenses and another about pursuing a master’s degree without taking on debt. Resources:8 Money Milestones
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President Trump recently raised the idea of a 50-year mortgage. In this episode, Art explains why he’s concerned about stretching home loans across half a century. Plus, he answers two listener questions—one about saving for retirement and another about how to get on the same financial page as your spouse. Resources:8 Money Milestones
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On this episode, Art answers a question about what to do when your parents don’t have an estate plan. Plus, he tackles two questions from the More Than Money Facebook Group—one about budgeting with variable income and another about how to find a trustworthy CFP®. Resources:8 Money Milestones
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For the most part, FSAs are a “use it or lose it” deal. In this episode, Art unpacks how flexible spending accounts work, the mistakes that could cost you money, and some surprising purchases that qualify for FSA dollars. Don’t let that money disappear—put it to good use before the year ends! Resources:8 Money Milestones
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It is time for some smart money moves! This month, Art considers some moves that focus on gratitude and following the next step God gives you. Additionally, Art addresses two financial questions—one about a HELOC and another about buying a house. Don’t miss it! Resources:8 Money Milestones
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Did you know there’s a legal way for public school students to receive Bible instruction during school hours? Jennifer Jury of LifeWise Academy joins Art to share how God is using the generosity of His people to expand a ministry that brings biblical teaching directly to students in public schools. Don’t miss this inspiring conversation about faith, impact, and generosity! Resources:8 Money Milestones
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Every so often, an idea comes along that sounds great on the surface, like the perfect fix for a problem everyone sees, but dig a little deeper, and you realize it might actually make things worse. In this episode, Art discusses government-run grocery stores and explores why good intentions don’t always lead to good outcomes. Resources:8 Money Milestones
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Money questions answered! In this episode, Art tackles five listener questions on everything from rent control to Alabama football. Tune in for a fun and informative conversation you won’t want to miss! Resources:8 Money Milestones
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Looking for trustworthy, Christ-centered financial guidance? In this episode, Art is joined by Nate Sargent to introduce Christian Money Help—a new counseling practice designed to walk with you through life’s financial challenges. You’ll hear the story behind the practice, why it exists, and how it might serve you or someone you know. If you’ve ever wondered whether Christian financial counseling could be the next step in your journey, this episode is for you. Resources:8 Money Milestones
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How do people do it? How do those buried in debt break free? In this episode, Art shares five secrets from individuals who have successfully paid off their debt. He also tackles questions about sinking funds and what the Bible says about debt. Don’t miss it! Resources:8 Money Milestones
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The IRS has released the federal income tax brackets for 2026. In this episode, Art explains how marginal tax rates really work and walks through the latest updates. He also unpacks recent news about Americans’ shrinking emergency funds. Don’t miss it! Resources:8 Money Milestones
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It’s Pastor Appreciation Month! What are you doing to encourage those who faithfully shepherd your church? In this episode, Art shares practical ways to bless your pastor. Plus, he answers two listener questions—one about knowing when it’s time to cut up your credit cards and another about whether you should pay your contractor before your bathroom renovation is finished. Resources:8 Money Milestones
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What smart money moves should you be making this month? Welcome to October, when the leaves change and pumpkin spice shows up everywhere. In this episode, Art shares practical money moves to start the month strong and answers two listener questions. Don’t miss it! Resources:8 Money Milestones
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This episode examines six emerging financial challenges that Americans are likely to encounter over the next five years, including AI-driven job disruptions, rising debt, healthcare costs, and declining financial literacy. Being aware of and preparing for these challenges can help you avoid future financial stress and pain. Don’t miss it! Resources:8 Money Milestones
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What is dollar-cost averaging, and how can you use it as an investment strategy? In this episode, Art gives a clear, easy-to-understand explanation of how it works and why it matters. He also answers two listener questions—one about reducing retirement contributions to save for a home and another about Christians and sports betting. Don’t miss it! Resources:8 Money Milestones
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Nuka Hart, the CEO of Free Wheelchair Mission, joins Art to share stories of how God uses generosity to transform lives and communities by providing mobility to people with disabilities. In this episode, you’ll hear how something as simple as a wheelchair can restore dignity and hope. Discover how your giving can create ripple effects far beyond what you might imagine and be inspired to see generosity as a powerful way to join God’s work in the world. Resources:8 Money Milestones
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In this episode, Art breaks down how the Federal Reserve’s interest rate decisions impact your everyday life and matter for your family’s finances. Plus, he answers a listener’s question about buying a rental property: Is it wise to dip into your emergency fund for a down payment, or should you wait until you’re on firmer ground? Resources:8 Money Milestones
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In this episode of More Than Money, Jess Rainer (Art’s brother) shares powerful stories of how generosity can change lives in unexpected ways. From a father coming to Christ after years of prayer to a student receiving a last-minute camp scholarship, you’ll see how giving impacts both individuals and communities. Tune in to discover the eternal ripple effects of your generosity and how God multiplies what you give. Resources:8 Money Milestones
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Are you financially healthy? In this episode, Art discusses a few signs that you have reached financial health. Additionally, he addresses two listener questions—one on the impact of purchasing a car on net worth and another about the types of accounts a person typically needs. Don’t miss this 400th episode! Resources:8 Money Milestones
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From now until year’s end, certain money mistakes can leave you with a lot of regret. In this episode, Art highlights four financial decisions to avoid, answers questions about how a home down payment affects your net worth, and addresses Bible verses that have been troubling a listener. Don’t miss it! Resources:8 Money Milestones
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A recent survey revealed that only 37% of Christian adults have an estate plan in place. In this episode, Art delves into the survey’s findings on Christians and estate planning, examines what the Bible says about estate planning, and offers some next steps. He also answers a question about extended warranties for appliances. Don’t miss it! Resources:8 Money Milestones
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Sports betting has gained significant popularity. What does the Bible say about it? On this episode, Dr. David W. Jones joins Art to explore a biblical perspective on this growing trend. You won’t want to miss this important conversation! Resources:8 Money Milestones
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It’s time for some September money moves! In this episode, Art shares four smart financial steps to take this month. He also answers two listener questions—one about staying on budget and another about handling a financial gift. Don’t miss it! Resources:8 Money Milestones
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A recent survey revealed the top debt that stresses Christians out. What is it? On this fun episode, Art and Matt discuss this stressful debt, provide tips for crushing all your debt, and answer a listener’s question about credit card rewards. Enjoy! Resources:8 Money Milestones
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29% of Christians in the U.S. have less than $1,500 saved, according to a recent survey. In this episode, Art discusses this finding and other savings statistics, and he provides five tips for those wanting to get started saving. Plus, he answers two listener questions. Don’t miss it! Resources:8 Money Milestones
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Debt is a generosity killer, and some generosity killers aren’t talked about nearly enough. In this episode, Art shines a spotlight on three debts draining Americans’ wallets and answers two listener questions. Enjoy! Resources:8 Money Milestones
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Live audience recording! In this episode, we’re recording in front of a live audience at Graceland Church in New Albany, Indiana. As the church’s small groups prepare to begin the 8 Money Milestones program, Art shares five non-financial factors that can help jumpstart the journey. Plus, he answers money questions from the audience. Enjoy!
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While well-intended, some financial decisions can lead to unfortunate consequences. In this episode, Art and Matt discuss four financial decisions that leave many with significant regret. Plus, they answer a question about breaking the paycheck-to-paycheck living cycle. Don’t miss it! Resources:8 Money Milestones
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Fifty-two percent of Gen Z aims to achieve financial independence by age 32, and an astounding 94% hope to reach it by 55. Before we dismiss these goals as unrealistic, let’s explore the valuable lessons, both good and bad, we can learn from this ambitious generation. Resources:8 Money Milestones
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Auto loans continue to weigh heavily on Americans. In this episode, Art shares some eye-opening stats about trade-ins and answers two listener questions—one about buying a minivan and another about the money personality survey. Enjoy! Resources:8 Money Milestones
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Welcome to August! In this episode, Art provides five smart money moves to make this month. Plus, he answers a listener’s question about the 8 Money Milestones program and shares a listener’s success story. Don’t miss it! Resources:8 Money Milestones
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Term or whole life insurance? 401(k) or Roth IRA? Side hustle or not? Art covers a lot of ground in this by answering six money questions. This is your money questions episode! Don’t miss it! Resources:8 Money Milestones
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What money lessons have you learned this year? In this episode, Art shares five key money lessons we’ve all learned so far in 2025. Plus, he answers two listener questions—both about retirement. Don’t miss it! Resources:8 Money Milestones
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This episode is all about your money questions! Art tackles topics like budgeting for rising health insurance costs, whether kids should get paid for household chores, helping your teen buy their first car, and more. Don’t miss it! Resources:
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On July 4th, the “Big Beautiful Bill” was signed into law. In this episode, Art delves into several key aspects of the bill that may impact your finances. Plus, he answers two listeners’ questions—one about Trump’s account and another about church finances. Resources:8 Money Milestones
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Net worth is a useful tool for understanding your financial reality. But how can you actually grow it? In this episode, Art shares five key numbers you need to know to help increase your net worth. Plus, he answers a listener’s question about Money Milestone 3. Tune in!
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Could you use a bit more financial margin? In this episode, Art shares ten common money-wasters you should eliminate. Plus, he answers a listener’s question about whether he prefers a UTMA/UGMA account or a 529 plan for college savings. Resources:8 Money Milestones
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Hey road trippers, this one’s for you! While you’re cruising down the highway, test your financial literacy with a fun mix of quiz questions, terrible dad jokes, and real-life money tips. It’s the perfect companion for your drive. Don’t miss it! Resources:8 Money Milestones
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It’s time to test your Bible knowledge! This episode is perfect for your summer road trip—packed with trivia, dad jokes, and fun money questions. Buckle up and enjoy the ride! Resources:8 Money Milestones
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Welcome to July! In this episode, Art provides some summer money moves to make this month. Plus, he answers a listener’s question about saving for college and the top-rated 529 Plans out there. Don’t miss it! Resources:8 Money Milestones
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Declare your independence! In this special Independence Day episode, Art challenges listeners to declare their own Debt-Free Independence Day—a moment to break free from the weight of debt and commit to a new financial future. Don’t miss it! Resources:8 Money Milestones
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Parents, you’re raising the next generation of faithful stewards! Dr. Shane Enete joins Art to answer key questions about teaching kids biblical stewardship. If you have kids, this is a must-listen episode! Resources:8 Money Milestones
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This episode is all about used cars—busting five common myths, revealing the top used cars under $20,000, and sharing a powerful story of two very different car-buying decisions. Whether you're car shopping or just love a good financial lesson, you won't want to miss it! Resources:8 Money Milestones
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You can be rich without spending or saving a cent! In this episode, Art and Matt explore the most valuable areas of life where true wealth is found. Plus, they answer a listener’s question about emergency funds and sinking funds. Resources:8 Money Milestones
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How do people build wealth? In this episode, Art reveals the secret sauce behind wealth-building. Additionally, he addresses a generosity question about why Christians should make the local church their primary place of giving. Tune in! Resources:8 Money Milestones
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Want a vacation but working with a tight budget? Consider a staycation! In this episode, Art shares eight creative ideas for enjoying a memorable staycation without breaking the bank. Plus, he teams up with a fellow CERTCFC® to answer listener questions. Don’t miss it! Resources:8 Money Milestones
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Do things seem tight right now? In this episode, Art provides seven cash flow killers to be aware of. Plus, Christian, a CERTCFC®, from Nebraska, joins him to answer a money question. Don’t miss it! Resources:
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Some pastors receive their pay as a lump sum and must decide how to allocate it themselves. In this episode, Art and Matt discuss why that approach might not be ideal for pastors and answer a listener’s question. Plus, they kick off some summer fun with music trivia. Tune in! Resources:8 Money Milestones
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Make the most of your summer! In this episode, Art shares smart money moves to kick off your summer right. He also answers two listener questions—one on budgeting and another on summer side gigs for teachers. Don’t miss these practical tips to boost your finances this season! Resources:8 Money Milestones
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Consider launching an 8 Money Milestones group at your church this fall! In this episode, Art shares why every church can benefit from hosting an 8 Money Milestones group. He also tackles important questions about contentment and buying your child a phone. Don’t miss it! Resources:8 Money Milestones
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Join Art as he takes a trip back to his early twenties, revisiting the books and lessons that helped shape his financial decision-making. Plus, he answers two questions from the More Than Money Facebook group—one about refinancing, and another about embracing the More Than Money mentality! Resources:8 Money Milestones
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Bobby just got laid off—now what? In this episode, Art shares the key money moves to make after a job loss. Learn how to manage your finances in uncertain times, plus hear his answers to two more money questions. Don’t miss it! Resources:8 Money Milestones
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How do you effectively manage finances for a start-up? In this episode, Art shares nine essential tips for anyone looking to launch a business. He also answers listener questions about becoming a Certified Financial Planner (CFP) and using a home equity line of credit (HELOC). Don’t miss it! Resources:8 Money Milestones
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A recent study shows that Gen Z may be out of touch with financial reality—but why? In this episode, Art and Matt explore some possible reasons behind the disconnect. Plus, they tackle Nicole’s question: How do you stick to a budget when you just don’t feel like it? Resources:
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Don’t make these emergency fund mistakes! In this episode, Art dives into the most common “oops” moments people have when saving for a rainy day—and how you can avoid them. Plus, he answers listener questions about budgeting and picking a high-yield savings account. Resources:8 Money Milestones
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You’ve heard Art mention his preference for index funds in previous episodes. In this episode, he dives into why he particularly likes total market index funds. Plus, he answers two listener questions about investing. Don’t miss it! Resources:8 Money Milestones
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Hey college graduates, it’s time for some smart money moves! In this episode, Art shares practical financial advice for anyone who just earned their college diploma. He also tackles questions like how to start investing and whether a million dollars is really as much as it sounds. Don’t miss it! Resources:8 Money Milestones
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Following the government’s recent announcement, student loans are back in the spotlight. Whether you're feeling overwhelmed or ready to face repayment head-on, Art and Matt offer practical guidance to help you move forward with clarity and confidence. Plus, they answer a listener’s question about saving for college. Resources:8 Money Milestones
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Are you looking for a cheap and memorable vacation for your family? In this episode, Art shares the top 20 cheap, best vacation destination and their commonalities. Plus, he answers a listener’s question about the budgeting method he prefers. Tune in! Resources:8 Money Milestones
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Do you find your heart slipping into envy when you scroll through social media? Take one week to envy-proof your feed. In this episode, Art shares practical tips to help you reset your social media algorithm and fill your feed with content that cultivates contentment, not comparison.
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College graduates—avoid these financial mistakes! Start your financial journey on the right foot by steering clear of nine common pitfalls discussed by Art and Matt in this episode. Plus, they tackle a listener’s question: How can you surprise your spouse with a gift when you share joint accounts?
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Don’t waste your tax return! In this fun episode, Art and Matt rate various ways to spend your tax refund—some smart, some... not so much. They also tackle a listener’s question about how to financially prepare for buying a home. Tune in for plenty of laughs and helpful insights!
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Looking for a strong return on your college investment? In this episode, Art shares the top 10 bachelor’s degrees with the best ROI. He also answers two listener questions—one about whether a finance degree is worth it, and another about whether saving 15% is enough for retirement. Don’t miss it!
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The market just tanked! What should you do? In this episode, Art and Matt tell you what NOT to do and provide you with some decisions you should make. Plus, they announce the More Than Money Bracket Challenge winner! Don’t miss it!
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Welcome to April! This month’s Smart Money Moves are inspired by comments from the More Than Money Facebook Group, where members shared their regretful financial decisions. Get ready for an amazing April with 5 Smart Money Moves! Resources:8 Money Milestones
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On a scale of 1 to 10, how bad of a financial decision is it to buy a burrito with 'Buy Now, Pay Later'? In this fun episode, Art and Katie rate nine questionable financial decisions. Plus, they tackle a listener's question about whether to pay off debt before investing.
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Ready to break free from debt? Many who have successfully navigated the journey to debt elimination share key lessons they learned along the way. In this episode, Art and Matt dive into six crucial insights from those who’ve achieved freedom from debt.
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The Bureau of Labor Statistics released data on the median salaries of Americans, revealing a significant gap between what people earn and what they feel is necessary to live comfortably. In this episode, Art shares his thoughts on the findings and offers tips for cultivating a content heart.
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Have you heard the news? DoorDash has teamed up with Klarna to let customers finance their next burrito order. In this episode, Art shares his thoughts on the partnership and answers a listener's question about asking for a raise at work. You won’t want to miss it!
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Is the More Than Money Bracket Challenge wrong? Should Christians play the lottery? Join us as we revisit a thought-provoking interview with Dr. David Jones, where he addresses key questions about Christians and gambling. Plus, stay tuned for the “Ask a CERTCFC®” segment, where we get advice on Roth and Traditional IRAs!
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Trying to balance multiple jobs to make ends meet or reach your next Money Milestone? In this episode, Art and Matt share valuable lessons they have learned along the way. Plus, they answer a listener’s question about the quickest way to increase their net worth.
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Pastors often face significant financial challenges in ministry. In this episode, Art and Matt explore four common financial difficulties that can arise. They also address a listener's question about recognizing the signs of a generous heart.
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March is the perfect time to make some smart money moves. In this episode, Art shares four savvy financial strategies that could benefit your 2024 taxes. He also addresses the question of whether you should pause retirement contributions to build your emergency fund.
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Automobile insurance prices are on the rise! Should you choose a higher deductible to lower your premium, or stick with your current premium to keep your deductible low? In this episode, Art explains when opting for a higher deductible makes sense.
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A recent study found that 42% of American adults lack an emergency fund. In this episode, Art breaks down the study, uncovering other surprising statistics about emergency savings and sharing important tips on what not to use your emergency fund for. Don’t miss out!
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What do sacrificially generous people look like? Which is better—a debt consolidation loan or the debt snowball method? What are some ways to help your child avoid student loan debt? These questions and more are answered in this episode of More Than Money!
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It's time to demystify retirement investing. In this episode, Art reveals six key lessons he's learned from those who have successfully saved for retirement. Plus, he answers two listener questions—Is there ever a time when someone should not give, and are there age limits on 529 Plans?
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60% of U.S. adults have lent money to family or friends. But when should you say “no” to a family member asking to borrow money? In this episode, Art shares four key signs that you shouldn’t lend money to a loved one. He also tackles a question about cosigning a car loan.
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Disney World’s guests are going into debt for their vacation. In this episode, Art shares some shocking statistics and provides tips on how to have a vacation where you can spend money in peace. Plus, he answers a question from a legitimate millionaire about what to do when you get to Money Milestone 8. Don’t miss it!
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Your 40s are key financial years. In this episode, Art shares key money moves to make in your fourth decade of life. Plus, we're excited to debut a new segment: ‘Ask a CERTCFC®!’ Tune in for expert insights you won’t want to miss.
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Why is money considered a taboo topic, and what are the consequences of staying silent about it? In this episode, Art highlights six things that occur when we avoid talking about money. Plus, he answers listener questions about removing an adult child from a credit card and hosting a small group for the 8 Money Milestones program.
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In this episode, we answer your questions! What should you do if your budget feels too tight to give? What are some common budgeting mistakes to avoid? And what’s the latest on tariffs? Tune in to get all the answers!
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What smart money moves should you make this month? Using a Valentine’s Day theme, Art recommends moves for your life insurance, high-yield savings account, generosity, and more. Plus, he answers a listener’s question about financial infidelity. Don’t miss it!
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Ever wonder why you're spending more than you planned? In this episode, Art dives into the reasons behind it, explores common barriers to controlling spending, and introduces the 7-Day Spending Challenge. Tune in—you won’t want to miss it!
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The "Ignorer" money personality tends to avoid financial discussions and often lacks awareness about their finances. However, there are valuable lessons we can all learn from them. In this episode, Art shares four key takeaways from Ignorers and answers two listener questions. Don’t miss it!
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Do you have the "Investor" money personality? If so, there are some temptations you’ll need to watch out for in 2025. In this episode, Art highlights key ways Investors could get into trouble this year. Plus, he answers two important money questions—one about investment accounts and another about Social Security. Don’t miss it!
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Be encouraged, Spenders! Did you know that the Spender money personality has some incredible strengths? In this episode, Art dives into the strengths of the Spender money personality and provides some ways Spenders can R.E.I.G.N in their spending. Don’t miss it!
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Do you have the Saver money personality? Is your spouse a Saver? In this episode, Art dives into the Saver money personality, highlighting some of its potential weaknesses. He also answers a listener's question about when to start saving for a home. Don’t miss it!
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How much does a person need saved for retirement? Why is Money Milestone 6 before Money Milestone 7? In this episode, Art answers a More Than Money Facebook Group member’s question about whether they must hit the 15% retirement savings mark or not. Tune in!
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God has entrusted us with finances, family, marriage, friendships, and so much more. One day, we will be held accountable for how we managed these blessings. On this episode, bestselling author, Anthony O’Neal joins Art to discuss his new book and what it means to take full responsibility for our lives. Resources:Take Your Seat at the Table
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It’s the start of 2025, and with January here, it’s the perfect time to make some smart money moves. In this episode, Art shares four strategies that will not only improve your finances but also improve your health and spiritual well-being. Don’t miss out!
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Sermon: I Am Not Throwing Away My Shot...
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What financial numbers should those in ministry be aware of? In this Greatest Hit of 2024, Art provides six important financial numbers for pastors. Plus, he answers questions about housing allowances and the different levels of a church audit.
For today’s Greatest Hit of 2024, Art and Taylor discuss the differences between the 8 Money Milestones and Dave Ramsey’s Baby Steps. Plus, Art briefly discusses the 4% Rule. Don’t miss it!
For today’s Greatest Hit of 2024, Art breaks down the numbers in an infographic that provides the annual income necessary to live comfortably in the United States.
For today’s Greatest Hit of 2024, we are resharing an episode where Art talks with Brian Preston of the Money Guy Show about the keys to building wealth and his new book, Millionaire Mission. Plus, Brian answers three More Than Money listener questions. Listen for a fun conversation!
For today’s Greatest Hit of 2024, we are resharing the episode where Art provides six big mistakes that people make when investing, and he answers a listener’s question about improving their credit score.
Watch out! Some financial pitfalls may arise from now until the end of the year. In this episode, Art uncovers six common pitfalls and shares tips on how to avoid them. He also answers two listener questions—one about living paycheck to paycheck with a $150,000 income, and the other about whether a banker should consider a career change. Plus, Art welcomes a very special guest to the show. You won’t want to miss it!
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Financial State of the Union (FREE!)
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How would you describe your relationship with money? In this episode, Art provides six shifts that can change your relationship over the next twelve months. Tune in!
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Financial State of the Union (FREE!)
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Watch out for these financial enemies in 2025! In this episode, Art invites you into the game film room to break down five common threats to your financial health. Tune in to learn what they are and discover practical strategies for overcoming them, all in this episode of More Than Money. Resources:Financial State of the Union (FREE!)
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How well do you know the 2025 retirement numbers? In this fun and informative episode, Art challenges listeners with trivia questions about 2025 retirement accounts. Plus, he answers two listener questions: one about investing in an Airbnb and another about starting an 8 Money Milestones group at church. Resources:Financial State of the Union (FREE!)
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Use it or lose it! For those with FSAs, December 31st is quickly approaching, which means it's time to make the most of your remaining funds. In this episode, Art shares tips on efficiently using your FSA dollars before the deadline. He also answers listener questions about health insurance for a pastor and how to utilize 529 plans for elementary education expenses.
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Financial State of the Union (FREE!)
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It is time to do your 2024 Financial State of the Union. In this episode, Art walks you through your Financial State of the Union, helping you understand your financial reality. So, download your Financial State of the Union (for FREE!), grab a pen, and listen to this episode! Resources:Financial State of the Union (FREE!)
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This episode is a bit different from the usual More Than Money podcast! Art discusses moments when it’s actually okay not to give. Plus, he answers two listener questions—one about finding cheap flights and another about credit card rewards. Don’t miss it! Resources:7 Websites to Score Cheap Flights
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It's time for some December money moves! In this episode of More Than Money, Art covers six year-end money moves to make before 2024 ends. From maxing out retirement contributions and spending FSA dollars to setting up your 2025 budget, these moves will help you finish strong.
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Buy Now, Pay Later services are on the rise, and experts predict many will turn to them this week. Art sounds the alarm in this episode, offering five key reasons to avoid these services. Get ready for Black Friday shopping with this episode! Resources:8 Money Milestones
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Did you know that your church can have a stewardship minister? In this episode, Art discusses an exciting new project he's been collaborating on with Church Answers. He also answers a listener's question about saving—specifically, how to determine when you've saved enough.
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‘Tis the season for scams! In this episode, Art shares eye-opening statistics about fraud in the United States and highlights some scams to watch out for. Plus, he answers a listener's question about a car loan. Don’t miss it!
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The holidays are here—Thanksgiving, Christmas, and New Year's are just around the corner. But how can you enjoy the season without wrecking your budget or going into debt? In this episode, Art shares 30 practical tips to help you navigate the holidays while creating lasting memories, not financial stress. Tune in to discover how to make this holiday season both joyful and financially stress-free!
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Jesus said it is better to give than to get. In this episode, Art provides reasons for that and answers a listener’s question. Plus, a More Than Money Facebook group member, David Strege, shares his incredible stewardship story. Don’t miss this great episode! Resources:8 Money Milestones
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Are you looking for a new job? This is a timely episode for you! Art shares ten interview mistakes in this More Than Money episode that can create a poor first impression. Plus, Art answers a question from our More Than Money (with Art Rainer) Facebook group. Tune in! Resources:8 Money Milestones
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With the presidential election behind us, how should you prepare your finances for the next president? In this episode, Art provides five words to help guide your finances through the next four years. Plus, he answers a listener’s question about a will. Don’t miss it! Resources:
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What smart money moves should you be making this month? This month, Art provides five smart money moves to consider making and answers a question about whether passive income is unbiblical. Tune in!
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Robinhood announced that people can now use their platform to bet on the election. This is concerning. In this episode, Taylor Standridge joins Art to discuss the Robinhood announcement, FaithFi’s new devotional, and Halloween candy. Don’t miss it!
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Look at the Sparrows: A 21-Day Devotional on Financial Fear & Anxiety
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Will the 8 Money Milestones help with my financial stress? When should parents start saving for college? Art is joined by Katie Jones to answer your money questions. Don’t miss it!
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Will God consider me a bad steward if I buy stuff I want? Is it wrong to give with the expectation that God will provide for me? And does betting on a football game go against the Bible? More Than Money favorite Dr. David W. Jones joins Art to answer financial and ethical questions.
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What is it like to experience a hurricane? Dr. Sam Rainer, a pastor, went through a hurricane so that he and some church members could help those impacted by the storm. In this episode, he shares his story about generously caring for his church and community.
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What do you do when your spouse wants to go to Disney World? How much should you spend on hobbies when going through the 8 Money Milestones? And how does a person stay motivated during the 8 Money Milestones? These questions and more are answered in this More Than Money episode!
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Have you started on your legacy letter? Scott Ferguson joins Art in this episode to discuss estate planning and legacy letters. Plus, Art answers a listener’s question about whether getting a 30-year mortgage is a bad move. Don’t miss it!
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What do you do if your fiancé wants a prenup, and do they align with God’s design for marriage? Art answers those questions, plus questions about guest pastor’s honorariums and how to manage your money right after you graduate college. Don’t miss it!
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We know that medical expenses tend to increase during retirement. However, those are not the only expenses that can surprise retirees. In this episode, Art shares four other surprising expenses for retirees. Plus, he answers a few money questions from listeners. Tune in and enjoy!
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What money moves should you make this month? In this episode, Art shares strategies that will better both your financial and physical health. Plus, he answers questions about how to use a year-end bonus and when to consider refinancing your mortgage. Don’t miss it!
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Should a person tithe off their Social Security check? Is it recommended that a spouse open a separate account for surprise gifts? And how can you help those impacted by Hurricane Helene? Tune in to find out!
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Is it better for parents to contribute to their child’s custodial Roth IRA or a 529 Plan? Can a pastor’s housing allowance exceed their salary? And is it acceptable for a parent to give money to one child and not the other? Tune in for this listener-question episode!
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What would you tell a group of college students about money? In this episode, Art shares highlights from a talk he gave at Charleston Southern University and answers two important money questions asked by students afterward. Don’t miss it!
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It’s time to dive into some listener questions! Should you sell your stocks to pay off debt? When is it okay to allocate some fun money in your budget? And what are some tips for running a marathon? Wait a minute—wasn’t this supposed to be a finance podcast?
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Have you begun your financial health journey? Be on the lookout for these financial health destroyers. In this episode, Art reveals eight major threats to financial well-being and addresses listeners' questions about job loss and the Essential Emergency Binder pages.
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How did they manage to pay off their debt so quickly? In this episode, Art reveals the secrets behind rapid debt payoff. Plus, he addresses questions about the fiscal policies proposed by presidential candidates and offers advice for those who feel they're falling short for their families. Don’t miss it!
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In the spirit of college football rankings, Art shares the top strategies for paying off debt. He also answers questions about the debt snowball method and offers tips for getting started with long-distance running. Don’t miss this engaging episode!
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What money moves should you make this month? In this episode, Art shares four smart financial moves to consider, highlights five excellent high-yield savings account rates, and answers a question from the More Than Money Facebook group about HSAs. Tune in!
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We’re going back to the basics with the 8 Money Milestones! In this episode, Art covers the final Money Milestone by discussing our generosity portfolio and some tips for how to make it to Money Milestone 8. Don’t miss it!
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Generosity Portfolio
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We’re going back to the basics with the 8 Money Milestones! In this episode, Art covers saving for college, paying off your mortgage, and getting rid of church debt. Tune in to this helpful episode! Resources:8 Money Milestones Program
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We’re going back to the basics with the 8 Money Milestones! In this episode, Art covers setting up your emergency fund, saving for retirement, and whether you should have your emergency fund ready before buying a house. Don’t miss it!
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We’re going back to the basics with the 8 Money Milestones! In this episode, Art reveals new statistics on Christians and debt, explains what the Bible says about debt, and guides you on how to create an effective debt snowball. Don’t miss it! Resources:8 Money Milestones Program
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We are going back to the basics by discussing the 8 Money Milestones! In this episode, Art discusses getting your minor emergency fund going and taking advantage of your employer match. Plus, Art answers a listener’s question about her employer’s match. Resources:8 Money Milestones Program
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Curious about what to do with your money right from the start? Join us as we dive into the essentials of biblical financial management in a new series, where we'll break down the 8 Money Milestones. In this episode, we kick off with Milestone 1. Resources:8 Money Milestones Program
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What financial numbers should those in ministry be aware of? Can a personal loan repayment for house repairs count toward a minister’s housing allowance? What are the different levels of a church audit? Tune in to this MTM episode to find out!
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The headlines are filled with speculation about an impending recession. If you are concerned about a recession, this is the episode for you. Art provides 8 money moves to make that will increase your confidence and help you weather an economic downturn. Resources:8 Money Milestones Program
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What money moves should you make this month? What are some of the best high-yield money market interest rates right now? This More Than Money is packed, from tax-free holidays to National Cheap Flight Day to eliminating debt.
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Those in the military have Thrift Savings Plans (TSP). But what about the spouses of those in the military? Should they save for retirement, and how? In this episode, military finance expert Lacey Langford joins Art to discuss retirement for military spouses. Plus, Art answers a question about self-insuring a home. Resources:8 Money Milestones Program
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Military families face unique financial challenges. In this episode, Lacey Langford, an expert on military family finances, joins Art to discuss managing money during the many transitions military families experience. Plus, Art answers a listener’s question about how many credit cards a person should have. Resources:8 Money Milestones Program
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It is time to check off Money Milestone 1! In this episode, Art shares why you must knock out Money Milestones one as soon as possible. Plus, questions about checking account balances, budgeting apps, and the 8 Money Milestones program are answered. Resources:8 Money Milestones Program
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What companies will help cover some or all their employees’ tuition expenses? What is the difference between a CERTCFC® and a CKA®? Can non-owners of a 529 plan get a tax deduction for their contributions? These questions are answered in today’s More Than Money episode. Resources:8 Money Milestones Program
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During every election cycle, questions arise about the best investment strategy amidst uncertainty. In this episode, Art shares his recommended approach and answers three questions from the More Than Money Facebook group. Resources:8 Money Milestones Program
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Don’t forget to give this summer! In this episode, we explore the importance of maintaining our generosity during the summer months and look at compelling reasons to continue supporting your church. Additionally, Art addresses a common question about covering transaction fees for online donations.
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8 Money Milestones program
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Do you think investing is too complex or complicated? Have the perceived complexities hindered your investing? You are not alone. In this episode, Art shares why 2024 will be the year investing becomes easier for you.
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8 Money Milestones program
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Are you struggling to maintain a budget? We all do at some point. In this episode, Art provides seven reasons you may find it difficult to keep a budget. Plus, Art answers a dad’s question about paying for his daughter’s college. Resources:Join us for the webinar!
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Are you planning on having children? If so, there are some things you need to know about your future budget. In this episode, Art discusses five things new parents need to know about budgeting and answers two listener questions. Resources:Join us for the webinar!
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We're midway through 2024, making it the perfect time to focus on smart money moves! In this episode, Art explores crucial aspects of your finances that warrant a review. Additionally, Art explains the basics of a 403(b) plan and offers guidance on prioritizing your financial goals. Resources:Join us for the webinar!
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Forty-three percent of Christians used a buy now, pay later service. In this episode, Art reveals several shocking money stats and lessons we can learn from them. Join us for an eye-opening discussion on money management and more. Resources:Join us for the webinar!
Summer “Gotcha Expenses”
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Discover seventeen ways to save money this summer, including several different “gotcha expenses” that can derail your budget and some websites that help you find cheap flights. Plus, a listener wants to know where he should put the money for a down payment, in a savings account, or an investment. Resources:Join us for the webinar!
Summer “Gotcha Expenses”
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Something amazing starts to happen after you reach the $100,000 net worth mark, and it is because of compounding. In this episode, Art shares why reaching the $100,000 net worth mark is so important and answers a few listener questions. Resources:Webinar: Christians and Generosity
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Happy Father’s Day! In this episode, Art provides five money lessons he learned from his dad. Plus, he answers questions about a timeshare deal and raising money for a mission trip. Don’t miss it! Resources:Webinar: Christians and Generosity
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How can you make some extra cash this summer? Can you contribute to a 529 Plan, get the tax deduction, and use the money to pay off your student loan? Is private Christian school worth the cost? An index fund or mutual fund? We answer a lot of questions in this More Than Money episode! Resources:8 Money Milestones
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What is the difference between the 8 Money Milestones and Dave Ramsey’s Baby Steps? In this episode, Art and Taylor answer a listener’s question about the differences. Plus, Art briefly discussed the 4% Rule. Resources:8 Money Milestones
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It's June, and it's the perfect time for some smart money moves. In this episode, Art shares insightful ideas for managing your resources this month. Plus, he answers two listener questions, providing practical advice and valuable tips. Resources:8 Money Milestones
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Are you looking for an automobile that will last a few hundred thousand miles? We look at a list of the top ten automobiles to last 200,000 miles, and the automobiles on the list may surprise you. Plus, Art answers two listener questions—one about where HSAs fit in the 8 Money Milestones and another question about when a church should pay off its debt. Resources:8 Money Milestones
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Today's high school graduates have reason to be optimistic about their financial futures. In this episode, Art explores five reasons for this optimism. The episode also includes two listener questions and an explanation of the Rule of 72. Resources:8 Money Milestones
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Many students are graduating high school this month. While their future is bright, there are some financial concerns. In this episode, Art discusses six financial concerns for today’s graduates and answers listener questions about when to have the money conversation with your fiancée and whether a CD is a good choice for an emergency fund. Resources:8 Money Milestones
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Money dysmorphia is a relatively recent term. It occurs when someone’s perception of their financial situation does not match reality. In this episode, Art provides some signs that you may be struggling with money dysmorphia and then answers two listener questions. Resources:8 Money Milestones
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Have you seen the infographic that provides the annual income necessary to live comfortably in the U.S.? Did the numbers seem a little high? In this episode, Art breaks down the numbers from the infographic and then answers two listener questions.
Resources:The Income a Family Needs
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We need more men and women who are following God to enter the financial industry. In this episode, Art provides five reasons why this is the case and helps a listener navigate some bad financial advice. Plus, Art discusses the difference between “I can afford” and “I can make the payment.” Resources:8 Money Milestones
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Proceed with caution when budgeting. Yes, there are some dangers of budgeting, and Chad Clark of FaithFi joins Art to discuss them. Plus, money questions about saving, generosity, and investing are answered in this episode. Resources:8 Money Milestones
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What are the key ingredients to building wealth? In this episode, Art talks with Brian Preston of the Money Guy Show about the keys to building wealth and his new book, Millionaire Mission. Plus, Brian answers three More Than Money listener questions. Tune in for a fun conversation! Resources:Millionaire Mission
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Learn four smart money moves for this month! Find out why your credit report matters for your finances, but it's not everything. Take on a challenge to be more generous for 60 days. And think about how to adjust your summer vacation budget. Tune in to get simple tips to help you manage your money better! Resources:Common Sense Economics
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In this episode of the More Than Money podcast, we delve into the world of affordable transportation solutions. Can you purchase an SUV for under $20,000? What do you do when hit with predatory lending? And what are some good, cheap car rental options? Tune in as we uncover practical strategies for making smart financial decisions regarding gettin from point A to point B. Resources:8 Money Milestones
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This episode covers four listener questions: Should people stop their retirement savings to buy an SUV? Is purchasing a Tesla a smart money move? What are the best high-yield savings account rates right now? And how can a person stop overspending? Resources:8 Money Milestones
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Your financial decisions in your 30s carry significant weight. Join us as we dive into smart money strategies tailored to this pivotal decade. We also sit down with Scott Hendren, the More Than Money Bracket Challenge winner. Tune in for a fun and helpful episode! Resources:Money Moves to Make in Your 30s
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Have you ever wondered if the Bible directs us where to give? It does. In this episode, Art interviews Jim Wise about his research on the topic. They discuss where to give, our Kingdom investment portfolios, and Disney World! Jim also answers questions from the More Than Money Facebook group.
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Are you ever caught staring at your retirement savings, wondering how you'll reach the point where working for income becomes optional? Are you aware that you should be saving more but feel lost on where to begin? In this episode, Art offers insights and motivation, along with practical tips for those playing catch-up with their retirement funds.
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Should a seminary student take out a student loan? Drawing from questions posed on the More Than Money Facebook page, Art discusses whether taking out a student loan is a prudent investment in ministerial training. Additionally, Art answers a question about saving less than the recommended 3 to 6 months for emergencies (Money Milestone 5) when God is leading you to give more generously. Resources:8 Money Milestones
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In this podcast episode of More Than Money, Art talks about what to do if you owe more money on your car than it's worth. If you're in this situation, Art explains why it happens and gives simple advice on what you can do about it. Art also tells a listener why he isn’t the right person to meet with for her situation. Resources:8 Money Milestones
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In this episode of More Than Money, we spotlight Biola University's distinctive program for aspiring financial professionals. Join host Art as he sits down with Dr. Shane Enete to delve into the intricacies of this innovative, biblically-based program. But that's not all—Dr. Enete also shares insights from his latest book, Whole Heart Finances. Discover the principles and perspectives that shape his approach to personal finance.
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Whole Heart Finances
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Join us on this episode of More Than Money as we dive into the latest buzz surrounding Robinhood's new credit card, the Gold Card. You've probably seen advertisements touting its rewards, but are they truly worth it? Resources:8 Money Milestones
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Yes, ministers can opt out of Social Security. But is this an ethical or even financially wise decision? In this episode, Art discusses the ethical and financial factors of doing so. Plus, he answers a bivocational pastor’s question about saving for retirement. Resources:8 Money Milestones
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In this episode, a listener raises a thought-provoking question: Is there such a thing as 'good debt'? Join Art as he dives into this topic, exploring insights from the Bible regarding debt and sharing his perspective on the term 'good debt'."
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Are you in search of a high-yield savings account? Wondering about your ideal mortgage payment? Curious if a DAF is the right choice for your generosity? Tune in to this episode where we address three listener questions and dive into the MTM Bracket Challenge!
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We're tackling your financial questions in this episode! From saving for college to navigating gambling, exploring budgeting apps, and strategizing debt repayment post-layoff, we've got you covered. This episode delves into a wide array of topics to help you manage your money better.
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MTM Bracket Challenge 2024
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Are you feeling like your financial health journey is taking too long? Do you wonder if you will achieve the next Money Milestone? In this episode, Art shares suggestions on how to navigate the grind. Additionally, Art addresses a question from the MTM Facebook Group regarding the comparison between 403(b)s and Roth IRAs for ministers.
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MTM Bracket Challenge 2024
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The market has been hot so far, and many people who were on the sidelines have started to become interested in investing. In this episode, Art provides six big mistakes that people make when investing and answers a listener's question about improving their credit score.
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As parents who want our children to love God and the things of God, it is important that we teach our children about missions. In this episode, Art talks with author Meredith Cook about her new children’s book and how parents can teach their kids about mission.
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Go Tell Everyone
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Should you save 15% (Money Milestone 6) for retirement or enjoy that money now? After reading a few books and watching some videos, a listener is wondering whether saving for the future is the right move. On this episode, Art answers this question and provides some eye-opening retirement statistics.
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It's time to make a few smart money moves this month. In this episode, Art provides insights into four crucial financial decisions you should consider. Additionally, he addresses questions concerning Bitcoin and the debt snowball strategy.
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Don’t overlook what you can accomplish in your 20s. Financially, your 20s can be a significant decade. In this episode, Art explores some smart money moves those in their 20s can make. Plus, he answers a question from the MTM Facebook group.
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If you haven't filed your taxes yet, this episode is designed with you in mind. Explore smart financial moves that you can still make before April 15 to gain a tax advantage. These actions have the potential to lower the amount of taxes you owe.
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It's time to kick off your tax preparations! A More Than Money listener wants to dive into the details of standard and itemized deductions. What exactly are they, and how can she determine the best fit for her situation? Art provides insights into these deductions and addresses another question about the optimal timing to initiate the use of sinking funds.
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Are you examining your budget and considering ways to enjoy quality time with your family during spring break or the summer months? Does the budget appear too restrictive for family fun? In this episode, Art offers valuable insights on creating lasting memories with your loved ones. Plus, he addresses a question regarding life insurance.
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Mark got a bonus at work and is thinking about what to do with the extra money. He wonders if he should invest it now or wait for the market to go down. Art gives advice on Mark's situation and also answers a question from a listener about whether it's better to get the employer match first or focus on paying off debt.
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Investing for the future is a wise decision, but it may pose challenges when working with a limited budget. The prospect of investing with a smaller financial scope might seem daunting, leading to questions about whether it is even worth it. In this episode, Art dives into strategies for pursuing Money Milestone 6 even in the face of tight financial constraints.
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Money Milestone 6 suggests allocating 15% towards retirement. But what about individuals with pensions? In this episode, Art delves into navigating Milestone 6 in the context of having a pension, addressing a question about the taxation of pensions, and exploring ways to live more generously beyond financial gifts.
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What money moves should you make in February? In this episode, Art discusses fun money conversations to have with your spouse, tax prep, current CD rates, and leading an 8 Money Milestones group. Plus, three listener questions are answered.
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A season mindset is powerful for paying off debt. What is a season mindset and how can it help you crush debt more quickly? In this episode, Art discusses the season mind and answers a listener question about debt. Get ready to pay off your debt more quickly!
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Navigating the challenges of budgeting? You're not alone! Join us in this episode as Art shares crucial insights for mastering the art of budgeting in 2024. Discover essential tips to set up your budget for a year of financial wisdom and savvy stewardship. It's time to take control of your finances.
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Don't overlook the power of the teenage years when it comes to making savvy financial decisions. In this episode, Art guides us through the intelligent money moves teenagers can make and how to position themselves as future millionaires.
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As Christians, our financial priority is generosity. But where are we to give? In this episode, Art answers a common question about generosity by walking throuPrgh three levels of giving. This episode will help you be more thoughtful with your generosity.
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The 8 Money Milestones program is now available. In this special episode, Art talks about the history and heart behind the 8 Money Milestones and the program. Get ready to help people discover and pursue God’s design for money.
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8 Money Milestones
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Is net worth something you should care about? It is. But we need to be careful where it falls on our list of financial priorities. On this episode, Art’s long-time friend, Greg McEvoy, joins him to talk marathon races and net worth. Tune in for a fun and insightful discussion that goes beyond the numbers, offering practical tips for biblical financial well-being.
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Do you find yourself in a different financial situation than your friends? How do you handle it when they consistently invite you to activities or events that are beyond your budget? In this episode, Art addresses this dilemma and delves into saving for retirement in 2024.
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What lessons learned from running a marathon can be applied to getting out of debt? What do you do when you have a bare-bones budget but still live paycheck-to-paycheck? In this episode, Art covers both of those topics.
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It is the beginning of the month and the beginning of the year. You know what that means. It is time to go after some smart money moves. In this episode, Art provides four smart money moves for you to make in January, and he answers a listener question.
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Happy New Year! Are you ready to get financially healthier in 2024? Of course, you are ready. In this fun episode, Art provides 24 reasons why your finances will look different by the end of this year.
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Money in the Light of Eternity
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A budget app can be incredibly helpful. But there are a lot of budget apps out there, each with their strengths and weaknesses. Which one should you go with? In this Greatest Hit of 2023, Art talks with Chad Clark of FaithFi about their organization and budget app. Enjoy the conversation and learn more about the budget app we now recommend.
For today’s Greatest Hit of 2023, Art provides 33 practical ways to fix your finances. Let this episode give you some ideas on how to better steward your money in 2024. So, get a pen and paper ready. There is a lot covered in a short period of time.
For today’s Greatest Hit of 2023, we are providing the interview where Jim Wise discusses legacy planning—what will happen to the resources God has entrusted to us when we die. It is such a thoughtful, biblically rich interview, we had to reshare it.
For today’s Greatest Hit of 2023, we are resharing an episode where Art provides four strategies for increasing your financial margin. A lot of people liked this episode. So, if you are trying to figure out how to create some increased cash flow for 2024, this is a good one for you.
For today’s Greatest Hit of 2023, we are resharing the episode were Art talks with Ramsey personality, George Kamel, about how he paid off his mortgage and why you should do the same.
2024 is almost here! In this episode, we talk about identifying the missions you will chase this coming year and how to ensure you don’t waste your FSA dollars before December 31.
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It is time to do your Financial State of the Union! In what has become an annual tradition, Matt Morvay joins Art to tell his inspiring story and talk about the Financial State of the Union. Art and Matt also answer a question from a wife who wants to build financial unity in her marriage.
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In this episode, Art Rainer addresses two listener questions: one on the fundamental keys to financial health and another on Bitcoin. Join us for practical insights and guidance on improving your financial situation and a quick, fun discission about Bitcoin.
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Should you purchase and Airbnb property before paying off credit card balances and car loans? A listener wants to know. This question, alongside three others covering rental properties, health insurance, and mortgage payoffs, is addressed by Art in today's episode.
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What aspirations do you have that advance your God’s Kingdom? Could your vehicle potentially hinder your pursuit of these dreams? In this episode, Art redefines the concept of a dream car and outlines five steps to steer yourself towards achieving it.
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December spending often leads to increased debt in the upcoming year for numerous individuals and couples. In this episode, Art provides 6 smart money moves to make, including debt avoidance. Seize this month’s opportunity to enhance your financial well-being and amplify your capacity for generosity.
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It’s that time of the year—time for housing allowance preparation. In this episode, Art walks through some important facts and strategies that can help ministers maximize their housing allowance. Plus, Art answers a listener question about parsonages.
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Can my baby really start saving for retirement with a Roth IRA? We have two Roth IRA questions in this episode. One is about a Custodial IRA, and the other is about using a Roth IRA for college expenses. Plus, we introduce the “A Generous December’ calendar!
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Black Friday is upon us! In this episode, Art provides five tips for navigating Black Friday. Plus, he answers three listener questions, including one about financial counseling. Are you wanting to avoid debt this holiday season? Don’t miss this episode.
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Eventually, you must learn some hard financial truths. If you don’t, learn these truths, they will continue to cause you financial pain. Don’t worry, this episode will not make you feel bad about yourself. In fact, you may be inspired to take that next in your finances.
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Find a Certified Christian Financial Counselor
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Some recent statistic about American consumer debt were recently released. In this episode, Art shares the data and provides his thoughts on the numbers. Art also talks about how to prepare your finances turbulent times.
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Find a Certified Christian Financial Counselor
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Money in the Light of Eternity
Are you looking for a new budgeting app to help you stay on track? We have good news for you. FaithFi has an incredible budgeting app that can meet your budgeting needs. In this episode, Art talks with Chad Clark from FaithFi about the heart of their company and their budgeting app.
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FaithFi
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Money in the Light of Eternity
Are you a Spender married to a Saver? Are you a Saver married to a Spender? Do you experience conflict over money in your relationship? This episode is for you. In this episode, Art discusses the Saver and Spender money personalities and provides how they can work together as a married couple.
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Between work, kids, and church, life can get busy. Unfortunately, money management often takes a back seat during the busyness. How can you manage your money well when things are a little crazy? In this episode, Art provides 8 must-know money tips for busy families.
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November is here, and it is the perfect month to make a few smart money moves. In this episode, Art encourages you to pray about your finances, wrap up your holiday spending plan, enroll in your employee benefits, determine you 2024 housing allowance number, and let generosity flow from gratitude.
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Do you need to become for mindful about money? Sometimes, the presence of financial struggles is caused by the absence of mindfulness. Nurturing a conscientious approach to your finances can help you better steward the financial resources God has entrusted to you. To get you started, Art provides eight money questions to ask yourself every week.
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Is getting a used, older car really a smart money move? What about potential repairs. On this episode, Art discusses a recent statistic on subprime auto borrowers and why buying a used car with cash is a great decision.
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We received a different kind of money question for this episode. A woman’s boyfriend is wanting her to develop some better financial habits before he proposes. Understandably, she has a few questions about the situation.
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67% of American do not have an estate plan. In this episode, Art talks about two things that every household must have—an emergency binder and a will. Art walks through both tools and answers a More Than Money Facebook Group member’s question about Money Milestone 6.
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Is saving for the future biblical, or does it indicate a lack of trust in God’s provision? In this episode, Art discusses the difference between hoarding and wisely saving for the future. Plus, he answers a More Than Money Facebook group member’s question about where to put his emergency fund.
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35% of Americans took on debt to pay for their holiday purchases last year. We don’t want that for you. In January, we want you to be filled with great Christmas memories, not great spending. In this episode, Art discusses how to tackle Christmas expenses with the gift of budgeting.
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A minister finds himself desiring to buy a house, but his salary makes it difficult. What should he do? Another listener wants to know if he should take out a $500 loan to help pay for a car. Art answers both questions on this episode.
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It’s officially October and time to make some smart money moves. In this episode, Art provides five money moves to make this month and answers a listener question from a nanny who has maxed out her Roth IRA and is looking for another way to save for retirement.
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Should you put your undergraduate student loan payments on pause while taking graduate courses? What is the best option for college savings? In this episode, Art answer some money questions from an event in Mobile, Alabama.
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Can you be generous to a fault? Art was at Redemption Church in Mobile, Alabama where they held a live money Q&A. In this episode, Art answers some of the missed questions from that event, including one from someone who says they are generous to a fault.
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How do people get debt-free? How do they stay debt-free? If you are wanting to know what debt-free people do, this episode is for you. In this episode, Art shares ten secrets of debt-free people.
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When should you start saving for a down payment on a home? In this episode, Art answers a listener’s questions about when and how to save for a down payment while walking through the 8 Money Milestones.
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A long-time More Than Money listener is concerned about the economy and wonders if increasing his emergency fund instead of paying off his car loan is the wiser move. In this episode, Art walks everyone through the 8 Money Milestones and answers the listener’s question.
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Sinking funds are a gamechanger for your financial health. In this episode, Art talks all things sinking funds—what are they, and how do you set them up? By the end of the episode you will be ready to implement this game changing strategy for your finances.
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Being mortgage-free is an incredible accomplishment. After all, it is Money Milestone 7. We want you to find yourself in a place where you no longer have a house payment. But should you use your emergency fund to pay off your mortgage? Art answers that question in today’s episode.
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Cooler weather. College football. PSL. The signs of fall are starting to appear. What should you be doing with your money over the next few months? In this episode, Art provides 5 must-ask questions for the fall.
Resources:
Money in the Light of Eternity
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A listener has lost their tech job, and he is concerned. What steps should he take next? In this episode, Art provides some guidance for him and others who find themselves in a similar situation.
Resources:
Money in the Light of Eternity
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Does your heart long to be a part of something greater than yourself? God’s most ambitious mission is ready for you to join. In this special episode, Art shares from his new book, “Money in the Light of Eternity.” When you follow God’s design for your life, you will find what no large bank account, big house, or fast car can provide. You will find your true heart.
Resources:
Money in the Light of Eternity
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A car lease is bad news for financial health. In this episode, a listener asks Art to talk her out of getting a car lease. Art does his best by explaining how a car lease works, why people get them, and why she should avoid them.
Resources:
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The costs associated with homeownership go way beyond the mortgage payment. In this episode, Art talks about some of those expenses they don’t tell you about. Plus, Art answers a listener question about whether a 20% down payment is really necessary.
Resources:
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God has designed married couples to be one in all areas, including their finances. What does a husband or wife do when their spouse just doesn’t care about the household finances? Art answers that question in this More Than Money episode.
Resources:
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We have a long way to go and a short time to get there in this episode! During this episode, Art cover 33 practical tips to help you take the next step on your financial journey.
Notes:
1. Pray about your finances.
2. Automate your generosity.
3. Make your church the first place of giving.
4. Give to an organization that does something you care about in a place you pay attention to.
5. Do your Financial State of the Union.
6. Track net worth.
7. Set realistic goals.
8. Create a zero-based Blueprint for Mission.
9. Know your essential expenses.
10. Hunt down and eliminate unnecessary, regretful spending.
11. Find a budgeting app that works for you.
12. Use sinking funds.
13. Automate your savings.
14. Have an emergency fund.
15. Use a HYSA for your emergency fund.
16. Pay for cars with cash.
17. Pay off credit cards every month.
18. Get rid of credit cards if you have credit card debt or struggle to pay them off in full.
19. Use the debt snowball to pay off debt.
20. Make extra payments toward your mortgage.
21. Put 15% of your gross income toward retirement.
22. Maintain a diversified portfolio.
23. Meet with a Kingdom Advisor for specific investment guidance.
24. Pay attention to expense ratios.
25. Don’t cheap out on insurance.
26. Shop insurance rates.
27. Use the DIME method for life insurance.
28. Have an emergency binder.
29. Have a will.
30. Pray about your financial legacy.
31. Have a monthly finance meeting with your spouse.
32. Know your spouse’s money story and money personality.
33. Place marital unity above your financial goals.
Resources:
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Is owning a home actually better than renting? There has been some debate over it recently. In this episode, Art provides the argument vs renting and homeownership an gives his thoughts on the matter. Plus, a listener is considering an adjustable-rate mortgage. Should he do it?
Resources:
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Is retirement savings for those with higher incomes? Is it possible to save for retirement with limited income? In this episode, Art provides hope for those who are trying to save for retirement with modest earnings.
1. Stop assuming you must have a high income to save for retirement.
2. Don’t underestimate the importance of your 401(k).
3. Create a plan.
4. Stick to the plan.
Resources:
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We want you to live more generously during your retirement years. In this episode, Art discusses four ways to retirement plans get derailed, or never even started.
1. Leaving your 401k plan on autopilot.
2. Not getting your company match.
3. Not paying attention to expense ratios.
4. Not adjusting your portfolio.
Resources:
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Welcome to August! In this episode, Art walk through some money moves you should consider this month.
1. Take advantage of tax-free days for school supplies.
2. Take advantage of the last month for no-interest student loans.
3. Declutter.
4. Prepare for insurance rates to go up.
5. Celebrate National Financial Awareness Day accordingly.
Resources:
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What is an ABLE account? In this episode, Art talks about ABLE accounts for the first time and answers a listener question about withdrawing money from a Roth IRA to pay off her debt.
Resources:
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Are you making some big financial mistakes? In this episode, Art covers some of the biggest financial mistakes he sees. Plus, Art answers a listener question about 401(k) withdrawals.
Notes:
1. Not giving.
2. Not budgeting.
3. Accumulating debt.
4. Not having an emergency fund.
5. Neglecting retirement savings.
6. Impulse buying.
7. Overlooking insurance needs.
8. Ignoring investing.
9. Not negotiating.
10. Falling for get-rich-quick scheme.
11. Not increasing financial literacy.
Resources:
Free Resources from Christian Money Solutions
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You should be taking advantage of current high yields savings account rates right now. In this episode, Art provides the top high yield savings account rates for July.
Notes:1. TotalDirectBank, 5.2% 2. CFG Bank, 5.17% 3. Western State Bank, 5.15% 4. UFB Direct, 5.06% 5. Popular Direct, 5.05% 6. TAB Bank, 5.02% 7. Vio Bank, 5.02%
(via Investopedia.com) Resources:
Free Resources from Christian Money Solutions
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A scarcity mindset is simply fearing there are not enough resources available. This can impact your finances and relationships in a significant way. I this episode, Art discusses 5 signs that you may have a scarcity mindset.
Notes:
1. You regularly worry about money.
2. You never feel like you have enough.
3. You aren't happy when others succeed.
4. You feel that to improve your situation, someone else's situation must deteriorate.
5. You constantly blame others for your situation.
Resources:
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Interest rates are higher, and the housing market is tight. Is now the right time to buy a house? In this episode, Art talks with Jordan Hall about the housing market and whether now is the right time to purchase a home.
Resources:
“What Does a Real Estate Agent Do, and Do I Really Need One?”
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This is for all the thrifty ministers out there! In this episode, Art provides six vacation spots where ministers can receive significant discounts. Ministers, you can take (and afford) a vacation!
Notes:* Quiet Waters Ministries (qwaters.org)
* Christian Hospitality Network (thechn.org)
* Elijah’s Harbor (elijahsharbor.com)
* Beulah Land Retreats (beulahlandretreats.org)
* Beside Still Waters (besidestillwaters.wordpress.com)
* Ridgecrest Conference Center (ridgecrestconferencecenter.com)
Resources:
Free Resources from Christian Money Solutions
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We are halfway through the year. How are things going? This is a great month for a check-up. In this episode, Art provides five smart money moves that you should consider making this month.
Resources:
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This is the heartbeat of the MTM podcast. We want to see you get financially healthy for the sake of advancing God’s Kingdom. In this episode, Art talks with Chuck Lawless and Jeremy Berger about “holding the rope” for missionaries. Get ready to be inspired to be debt-free so you can better fuel the Great Commission.
Resources:
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A MTM listener wants to know if she should use her HSA to save for her son’s hearing aids. In this episode, Art walks listeners through HSAs, sinking funds, and how they can help you prepare for future medical expenses.
Resources:
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A MTM listener is trying to determine whether they need a financial advisor. In this episode, Art provides guidance regarding when to get a financial advisor and what to look for.
Notes:
Question #1: Are you a fiduciary?
Question #2: Tell me about your qualifications.
Question #3: How do you get paid?
Question #4: Outside of your payment, what are my costs?
Question #5: What services are included in the cost?
Question #6: How does our relationship work?
Question #7: What is included in your financial planning services?
Question #8: What is your investment philosophy?
Question #9: If I move everything over to you, are there tax ramifications?
Resources:
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Stat overload! Do you find yourself desiring to live like everyone else? In this episode, Art shares a lot of financial health statistics that may make you rethink the standard you are chasing.
Resources:
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Do you have inconsistent income? This one is for you. In this episode, Art walks through how you can better plan irregular income and avoid debt.
Notes:
1. Establish a baseline and average monthly income.
2. Establish base line and average monthly expenses.
3. Build your baseline and average blueprint for mission.
4. Set up a holding and operating accounts.
5. Transfer baseline monthly amount from holding account to operating account. Save rest.
6. Once you have average monthly income saved in the holding account, starting transferring average amount.
Resources:
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Have you found yourself in a position where your home is eating up a massive portion of your budget, where every dollar seems to go toward your home? In this episode, Art talks about what to do in this situation. Art also discusses how to leverage your home for God’s Kingdom.
Notes:
1. Assess the why.
2. Make a Blueprint for Mission.
3. Consider downsizing.
4. Consider refinancing.
5. Consider increasing income to pay down mortgage.
Resources:
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Ask a Money Question!
Let’s talk marriage and money. In this episode, Art hits on two big topics—joint accounts and prenups, what they communicate and whether a couple should or should not have them.
Notes:
What joint accounts can communicate:
1. Joint accounts communicate “our money.”
2. Join accounts communicate “our expenditures.”
3. Joint accounts communicate transparency.
4. Joint accounts communicate trust.
5. Joint accounts communicate commitment.
What prenups can communicate:
1. There is distrust in the relationship.
2. Someone thinks the marriage might not last.
3. Someone is not all in.
Resources:
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Are you searching for a cheaper automobile to avoid an automobile loan? This episode is for you. In this packed episode, Art discusses the most and least reliable automobile brands, great cars under $10,000, and what to do if you are broke and need a car.
Notes:
1. 2012 Toyota Camry
2. 2011 Honda Accord
3. 2013 Honda Civic
4. 2012 Toyota Corolla
5. 2013 Mazda 3
6. 2013 Subaru Outback
7. 2010 Toyota Venza
8. 2014 Ford Fusion
9. 2014 Subaru Impreza
10. 2012 Volkswagen GTI
Resources:
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So, you’re ready to start saving for retirement. Great! In this episode, Art answers a common question, “Which should I do first, my 401(k) or a Roth IRA.” Art also discusses why getting the company match should take place before paying off debt.
Resources:
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As parents, we want to raise our children to be generous, reflecting God’s generosity to others. In this episode, Art and Taylor discuss why we care about raising generous children and provide some generosity teaching tactics for parents.
Notes:
1. Use Give. Save. Live. jars.
2. Allow them to give to the church or other areas of interest.
3. Talk about the impact their generosity is having.
4. Take advantage of holiday generosity initiatives.
5. Teach them to give in ways that don’t involve money.
6. Be their visual example of generosity.
Resources:
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Welcome to warmer weather! It’s June and time for some smart money moves. In this episode, Art discusses five money moves that you should consider making this month.
Notes:
1. Pay attention to student loan news.
2. Plan a no-spend, no-screen summer weekend.
3. Give away unused items.
4. If you are self-employed, pay your quarterly taxes (June 15) – Second payment
5. Prepare for hurricane season.
Resources:
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It looks like student loan payments will start back up soon. How did we get here, and what should you do next?
Resources:
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More Than Money Facebook Group
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Did your child recently graduate high school? They are about to face some harsh money realities. In this episode, Art provides five money realities that high graduates need to learn quickly.
Notes:
1. Your college money decisions will have post-college consequences.
2. Generosity won’t magically begin when you make a certain amount of money.
3. Debt will crush your dreams.
4. Everything will not be okay.
5. You are responsible for your financial decisions.
Resources:
Free Resources from Christian Money Solutions
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You are ready to start your journey toward financial health for the sake of living and giving generously. Be careful with whom you surround yourself. In this episode, Art discusses the five people you need on your financial journey and the one to avoid.
Notes:
1. Your spouse (if you are married).
2. The example.
3. The cheerleader.
4. The accountability partner.
5. The spiritual mentor.
Resources:
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More Than Money Facebook Group
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A recent study revealed that 26% of adults do not have anything they can turn to for trusted financial guidance. On this episode, Art talks with Courtney Markley about her work as a Christian Financial Counselor.
Resources:
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Markley Coaching Group
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Money Milestone 4 is to pay off all debt except for your mortgage, and we recommend using the debt snowball method. Should you include student loan in your debt snowball? And should you pay off your student loans before building your emergency fund or buying a home. Art and Taylor answer these questions.
Resources:
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Are you looking for a vacation destination that will leave you with memories and not debt? From San Diego to Great Wolf Lodge, Art and Taylor provide some top, budget-friendly summer vacation spots to consider.
Resources:
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Gen Z has an amazing opportunity to get started on the right stewardship foot. What money moves will Gen Z regret not making? In this episode, Art and Taylor discuss six of them.
Notes:1. Not learning about money and God’s design for it. 2. Not having financial goals or a plan. 3. Not having a Blueprint for Mission. 4. Not willing to delay gratification. 5. Not investing for retirement. 6. Falling for the façade.
Resources:
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What money moves do you need to make in the month of May? Art and Taylor provide six smart money moves you won't regret making. Plus, they spend some time discussing artificial intelligence.
Notes:
1. Find a high-yield savings account.
2. Use your tax refund to take another financial step.
3. Prepare for student loan payments to resume.
4. Calculate the net cost of attendance for your child’s college options.
5. Review your life insurance policy death benefit.
6. Make sure you are ready for summer.
Resources:
Free Resources from Christian Money Solutions
More Than Money Facebook Group
Ask a Money Question!
Do money worries keep you up at night? Do you find yourself anxious about money? In this episode, Art talks with his wife, Dr. Sarah Rainer, about how to address money anxiety through the lens of Scripture.
Notes:
Raleigh Kids
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A recent study showed that 74% of managers say Gen Z is more difficult to work with than other generations. Almost one-third said they had fired a Gen Z employee within 30 days. Here are some suggestions on how Gen Z can avoid getting fired.
Notes:
1. View work through a biblical lens.
2. Show up on time and be reliable.
3. Be proactive and take initiative.
4. Set the phone down, listen, and ask questions.
5. Be respectful.
6. Be willing to receive feedback.
Resources:
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Looking for your forever home? Be careful. It may become a burden instead of a blessing. In this episode Art walks through with homebuying process and warns us about buying a “forever home.”
Notes:
6 Steps for Buying a Home:
Step 1: Determine your budget and get pre-approved
Step 2: Start house hunting.
Step 3: Make an offer.
Step 4: Get a home inspection.
Step 5: Appraisal.
Step 6: Close the sale.
Resources:
Free Resources from Christian Money Solutions
More Than Money Facebook Group
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A recent study demonstrated that Millennials’ debt situation has grown faster than other generations. In this episode, Art and Taylor talk about the financial and emotional impact this may be having on Millennials and what Millennials can do about it.
Notes:
1. Lean into God and get a plan.
2. Ask for forgiveness and take a step forward.
3. Meet with a CertCFC.
4. Go to war.
Resources:
Free Resources from Christian Money Solutions
More Than Money Facebook Group
Ask a Money Question!
What books made the team? Art and Taylor put together their team of favorite money books. And we want to know who you think put together the better team, and what books were left out.
Taylor’s team:
1. Redeeming Money
2. Treasure Principle
3. When Helping Hurts
4. Total Money Makeover
5. Money, Debt, and Finances
Art’s team:
1. Gospel Patrons
2. God and Money
3. The Millionaire Next Door
4. The Psychology of Money
5. Master Your Money
Resources:
Free Resources from Christian Money Solutions
More Than Money Facebook Group
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This episode was a fun group effort from those on our social media platforms. In this episode, our listeners provide some unwise ways to spend a tax refund and some smart ways to spend those dollars.
Resources:
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Should a parent leave equal inheritances for each child? Jim Wise, author of Inheritolatry, discusses with Art about what the Bible says regarding this and other important issue relating to estate planning.
Notes:
1. Inequality is permitted.
2. Requests are acceptable.
3. Limitations are prudent.
4. Responsibility is required.
Resources:
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Ask a Money Question!
Inheritolatry by Jim Wise
What money moves should you make this month? Hint: Taxes are due! In this episode, Art and Taylor discuss five smart money moves to make in April. Plus, they discuss the improbable win by Taylor in the MTM Bracket Challenge.
Notes:
1. Seriously, pay your taxes.
2. Do some financial spring cleaning.
3. Don’t waste your tax refund.
4. Celebrate Financial Literacy Month accordingly.
5. Reflect Christ’s sacrificial generosity.
Resources:
Free Resources from Christian Money Solutions
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Should Christians Give to the Homeless Man on the Corner? Money and Ethics
Are you tired? Your lack of sleep may be impacting your finances. In this episode, Art and Taylor encourage you to get some sleep so you will spend less and make more.
Notes:
1. A lack of sleep makes you feel worse about yourself.
2. A lack of sleep leads to a lack of discipline.
3. A lack of sleep can lead to increased spending.
4. Increased sleep can lead to making more money.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Do you want to be more intentional with your generosity? In this episode, Art and Taylor discuss some practices of intentional givers. Listen and take a step toward becoming a more intentional giver.
Notes:
1. Intentionally generous people are in control of their finances.
2. Intentionally generous people follow the biblical pattern of: Give generously, Save wisely, and live appropriately.
3. Intentionally generous people understand how God uses their resource to impact others.
4. Intentionally generous people have a plan for their generosity.
5. Intentionally generous people automate their generosity.
6. Intentionally generous people keep track of their generosity.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
As parents know, college is expensive. So, what is the best way to save for college? In this episode Art and Taylor talk about their favorite college savings tool, the 529 Plan.
Notes:
1. Take care of your finances first before taking care of your children’s finances.
2. More than likely, you will need some type of investment account to save for college.
3. A 529 Plan is usually a great option for parents.
4. You need to set a savings goal.
Resources:
FDIC Estimator
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Do you agree with how the government spends your tax dollars? Most have some disagreement with their use. But what about when you feel the dollars are going toward something unbiblical? In this episode, Art talks with financial ethicist, David Jones about whether it is okay for Christians to skip taxes when they disagree with their use.
Resources:
Should Christians Give to the Homeless Man on the Street Corner?
RedeemedMind.com
ChristianMoneySolutions.com
Certified Christian Financial Counselor
A listener wants to know if it is better to put a lump sum into his Roth IRA at the beginning or end of the year. Art’s answer becomes, not just about Roth IRAs, but emergency funds as well.
Notes:
1. Your emergency fund should be a relatively stagnant number.
2. Removing money from your emergency fund should be for emergency purposes only.
3. We recommend putting 15% of your gross income toward retirement every time you get paid.
4. If you have a lump sum, it is usually best to invest at one time instead of spreading it out.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
There are a lot of concerns surrounding banks and FDIC coverage. In this episode, Art and Taylor walk through what happened with Silicon Valley Bank and whether you should be worried about your bank. Plus, they help you determine whether your deposits are covered by the FDIC.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Andrew McNair was after one thing—riches. But then God got a hold of him. Now, he has a new perspective on money and helps others live generously. In this episode, Art talks to Andrew about his story, and answers a money question about church debt.
Resources:
More Than Money Bracket Challenge
Tithe: A Living Testimony
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Over 60% of Americans are living paycheck-to-paycheck. Needless to say, most Americans need to find ways to increase their financial margin. In this episode, Art and Taylor discuss four different strategies to do just that.
Notes:
Strategy 1#: Decrease variable expenses.
Strategy #2: Eliminate debt.
Strategy #3: Downsize your automobile.
Strategy #4: Get a side gig.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Find More Money
10 of the Best Money-Making Apps
10 Best Money-Making Apps
On average, Americans change jobs twelve times during their lifetime. If you are leaving an employer, what should you do with your 401(k)? In this episode, David Sandhu joins Art to discuss four options for your old 401(k).
Notes:
Option 1: Cash out.
Option 2: Do nothing.
Option 3: Roll it over to a new 401(k) account.
Option 4: Roll it over to an IRA.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
What should you be doing this month? In this episode, Art and Taylor provide some smart money moves you should be making in March and answer a listener’s question about Money Milestone 6.
Notes:
1. Finish your taxes.
2. Submit for FSA reimbursements.
3. Plan your summer activities.
4. Ask God to reveal any area of your finances that is not surrendered to Him.
Resources:
6 Smart Ways to Spend Your FSA Dollars Before They Disappear
7 Surprising Items You Can Buy with Your FSA Dollars
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Do you find yourself constantly chasing the standard of living supposedly experienced by your neighbors and Facebook friends? Well, everything might not be as it seems with your friends. In this episode, Art shares seven stats that will make you rethink your chase.* Half of millennial and Gen Z respondents have gone into debt for summer travel. * 35% of Americans took on holiday debt. * Average credit card interest rate is at 20.4% * The average price of a new car is $50,000. * 6 in 10 of Americans live paycheck to paycheck. * 6 in 10 Americans do not have $500 set aside for an emergency. * Serious credit card delinquencies rose to 4%. * 25% of Americans don’t have anyone to whom they can got to for trusted financial guidance.
Resources:
What Is The Average Credit Card Interest Rate This Week? February 21, 2023
Average Holiday Debt Nears $1,550, Highest in LendingTree Survey’s 8-Year History
ChristianMoneySolutions.com
Certified Christian Financial Counselor
The retirement years are looking different than they did for prior generations. In this episode, Art walks through a recent report that identified five major forces that are starting to shape current and future retirement years.
Resources:
Longevity and the New Journey of Retirement
ChristianMoneySolutions.com
Certified Christian Financial Counselor
It can take a while to save for a house purchase’s down payment. So, when should you start saving for one? In this episode, Art and Taylor discuss the ideal time to start setting aside money for your next home purchase.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
We keep talking about the CertCFC program. What in the world is it, and is it right for you? In this episode Art and Taylor talk about the program, and Taylor shares what he likes (and doesn’t like) about the program.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
Pay off my mortgage early? You are kidding, right? We’re not. In this episode, Art talks with Ramsey Personality, George Kamel, about how he paid off his mortgage early.
Resources:
ChristianMoneySolutions.com
Certified Christian Financial Counselor
What better way to celebrate Valentine’s Day than to have a budgeting conversation with your spouse? In this episode, Sarah Rainer joins Art to talk about creating a budget that builds marital unity, not division. Plus, you learn about one of Art’s financial flaws (he has them!).
Resources:
Raleigh KidsChristianMoneySolutions.com
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
The recently signed SECURE Act 2.0 was created to significantly improve retirement savings options. But it didn’t just impact retirement accounts. If you are a parent with kids going college, you will want to listen to this episode. David Sandhu, a rocket scientist turned financial advisor, joins Art to discuss the implications for 529 Plans.
Resources:
ChristianMoneySolutions.com Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
For many, February is that cold month that you just must get through. This episode will encourage you not to waste this month, but instead, use it to better your financial health and consider something fun, like your next vacation!
Resources:
ChristianMoneySolutions.com
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
God is using regular men and women to reach the lost around the world. In this episode, Art has an inspirational conversation with Chris Winkler of Wycliffe Bible Translators. This episode will motivate you to get financially healthy for the sake of advancing God’s Kingdom.
Resources:
ChristianMoneySolutions.com
Wycliffe.org Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
We are about to wrap up the first month of 2023, and we want you to finish what you started this year. In this episode, Art and Taylor discuss six things that can derail your finances this year. Listen, enjoy, and stay on track in 2023.
1. Forgetting your “Why.”
2. Not having a budget.
3. Keeping up with the Joneses.
4. Immediate gratification.
5. Not being a part of a community.
6. Not being tied to the Vine.
Resources:
ChristianMoneySolutions.com
Free Webinar
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
A financial blueprint (also known as a budget) is an essential tool to get you financially healthy and to better leverage your resources for the advancement of God’s Kingdom. In this episode, Art and Taylor provide five questions you should ask when building your financial budget.
Ask these questions when building your financial blueprint:
* Have I prayed about my budget?
* Does my budget reflect Gods mission?
* Does my budget help me reach my financial goals?
* Does my budget reflect what I value?
* Will my budget draw me closer to God?
DIME Method:
1. Debt.
2. Income (10x to 12x).
3. Mortgage.
4. Education ($100k for every child).
Resources:
More Than Money Facebook Group
Christian Financial Counselor Program
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
Money Milestone 2 is to save $1,500 for a minor emergency. Knock it out in thirty days with these five suggestions from Art.
Notes:
1. Eliminate unused subscription services.
2. Sell stuff.
3. Don’t eat out for 30 days.
4. Get a side gig.
5. Build a budget.
Resources:
More Than Money Facebook Group
Christian Financial Counselor Program
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
In this episode, Art shares some suggestions that can help you have a financially healthy and generous year. Plus, Art answers a listener question about their church’s debt.
Notes:
1. Develop a Kingdom vision for your finances.
2. Identify where you want to give this year.
3. Determine to learn more about money this year.
4. Set twelve-week goals.
5. Automate everything.
Resources:
More Than Money Facebook Group
Christian Financial Counselor Program
Episode Sponsor:
Most churches struggle to get people to give. SecureGive, has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available.
How does someone get and remain financially healthy? In this episode, Art and Taylor reveal five secrets of financially healthy people. Plus, Art talks about his marathon race…way too much. You will find yourself learning and laughing throughout this episode.
Listener Question:
My net worth is in the negative. I don't WANT to know exactly what it is because it is too depressing.
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
What is God’s view on wealth? Why should I stop asking, “How much should I give?” Is it okay to decrease my giving? On this episode, author of God and Money, John Cortines, joins Art to help think through what God says about money.
Listener Question:
Is it okay for me to decrease my giving?
Is there anything lost when someone gives online?
Resources mentioned:
God and Money | Buy the book here: http://www.godandmoney.net/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
President Biden announced his student loan forgiveness plan, and many people have an opinion on the decision. On this episode, Art and Taylor talk with Dr. David Jones, a biblical financial ethicist, about how to view the government’s announcement through the lens of Scripture.
Some of the questions answered:
The Bible says, “the wicked borrows but does not pay back.” (Psalm 37:21) Did our government just force Americans to sin?
Since Christians have been forgiven of their "debts," shouldn't they be the biggest fans of student loan forgiveness? What about the Year of Jubilee?
Is it biblical unethical for a person to accept loan forgiveness?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
The usage of buy now, pay later services is rapidly growing. This is a problem. On this episode, Art talks with Ramsey Personality, George Kamel, about the financial dangers of these services and how to overcome the buy now, pay later temptation.
Listener Question:
Car prices are going crazy. Should I buy a car?
How do I budget during times of inflation?
Resources mentioned:
The Money Challenge | Buy the book here: https://www.artrainer.com/the-money-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should you keep a mortgage for tax savings? Many ask this question. On this episode, Art talks with Andy Hill about why paying off your mortgage is usually worth no longer having the tax deduction.
Listener Question:
Get a 10% return or pay off my 4% loan?
Resources mentioned:
Marriage, Kids, and Money | https://marriagekidsandmoney.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Christmas is the celebration of Jesus’s birth. Unfortunately, it is also a time when people can make some poor financial decisions. In this episode, Art provides five of the biggest money blunders he sees during the Christmas season.
Notes:
4 Principles of Giving
1. Giving is to be a priority.
2. Giving is to be done proportionately.
3. Giving is to be done sacrificially.
4. Giving is to be done cheerfully.
5 Money Blunders
1. Taking a vacation from your financial plan.
2. Going into debt.
3. Using buy now, pay later plans.
4. Buying gifts that have long-term consequences on the budget.
5. Wasting the last two weeks of the year.
Resources:
More Than Money Facebook Group | Join here!
Christian Financial Counselor Program | Learn more here!
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here!
Employees forfeit approximately three billion dollars in Flexible Savings Account (FSA) contributions each year. According to the Employee Benefit Research Institute, 40% of employees give up some portion of their FSA contributions, losing approximately $300 to $400 dollars. For many employees, the FSA spending deadline is December 31st. If you still have money left in your FSA and are faced with a year-end deadline, now is the time to spend your FSA dollars.
Notes:
- First aid items.
- Pain relievers.
- Sunscreen.
- Allergy relief medication.
- Medical devices.
Resources:
More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073
Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
A Financial State of the Union helps you understand your financial reality. And there is no better time to consider your financial reality than now. In this episode, Art and Taylor discuss the six parts to a Financial State of the Union.
Notes:
- Review your generosity.
- Review your cash.
- Review your debt.
- Review your retirement.
- Review your net worth.
- Review your goals.
Resources:
More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073
Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you wondering how to experience financial freedom? In this episode, Art talks with Ron Kelley about the seven steps Ron recommends people consider taking, even during financially challenging times.
Resources:
More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073
Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Tammy Gipson and her husband were once in debt. Now, they are debt-free and living generously. In the inspiring episode, Art talks with Tammy about her financial and generosity journey.
Resources:
More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073
Christian Financial Counselor Program | Learn more here: https://www.christianfinancialhealth.com/certificate
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you familiar with dual enrollment? It can save you or your child a significant amount of money for college. In this episode, Art talks with Dr. Scott Pace about dual enrollment and its financial benefits.
Resources:
More Than Money Facebook Group | Join here: https://www.facebook.com/groups/721493032051073
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Do your finances feel out of control? Is every month a struggle? In this episode, Art and Taylor provide seven suggestions for getting control of your finances.
Notes:
- Confess any wrongs to God.
- Change your mental intake.
- Get a plan.
- Set goals.
- Get a blueprint for mission.
- Automate everything.
- Get someone to hold you accountable.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you wasting money? Many unknowingly waste hundreds of dollars every year. In this episode, Art walks through eight common ways people waste money. Plus, he answers a listener’s question about retirement account rollovers.
Resources:
The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
If you haven’t noticed, things are pretty crazy in the automobile market. In this episode, Art discusses five shocking automobile purchase stats and answers a money question from a listener in Kenya.
Resources:
More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Hebrew 13:5 tells us to be content with what we have. In this episode, Art talks with Roy Vargas about his incredible financial journey and how to find real contentment.
Resources:
More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Do you have a question about 401(k)s? You are not alone. In this episode, Art and Jeremy Keil answer some of the most common 401(k) questions.
Resources:
More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Jennifer and her husband were hindered by debt. So, they decided to do something about it, getting rid of their debt and putting themselves in the financial position to adopt a child. Be inspired by Jennifer’s story, and learn from her experience.
Resources:
More Than Money Facebook Group | Join the group here: https://www.facebook.com/groups/721493032051073
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you getting the most out of your employer benefits? Are you paying for benefits you don’t need? In this episode, Art Rainer and Taylor Standridge are joined by Robby Scholes to discuss the secrets to maximize employer benefits.
Resources:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
They Morvays paid off $46,000 in one year! This is an amazing story with some important lessons learned. Listen to it and be inspired to take the next step in your financial journey.
Notes:
Your Financial State of the Union:
- Review your generosity.
- Review your cash.
- Review your debt.
- Review your retirement.
- Review your net worth.
- Review your goals
Episode #22: Your Financial State of the Union | https://churchanswers.com/podcasts/more-than-money/your-year-end-financial-state-of-the-union/
Lessons learned:
- Trust the Lord during the entire process.
- Make a financial plan.
- Live within your budget.
- Walk in community.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
God has designed married couples to operate as one. What happens when couples are not on the same financial page? In this episode, Art discusses some dangers couples could run into if they lack oneness in their finances.
Notes:
- Potentially departing from God’s design for marriage.
- Increases the temptation for financial infidelity.
- Could create a “roommate “scenario.
- Reduces Kingdom impact.
Listener question answered:
I barely have any financial margin. What do I do?
Should I buy a car?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
You can smell the new car scent from your house. Your neighbor has a new car, and you are jealous. In this episode, Art discusses why you should stop envying your neighbor’s car. Plus, he talks about how you can get your automobile sinking fund going today.
Notes:
- The Bible tells us not to envy.
- Keeping up with the Joneses is real.
- Cars are depreciating assets.
- Your neighbors probably used debt to get that car.
Listener question answered:
Should I use all my savings for as a down payment on a house?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
President Biden announced his student loan forgiveness plan, and many people have an opinion on the decision. On this episode, Art and Taylor talk with Dr. David Jones, a biblical financial ethicist, about how to view the government’s recent announcement through the lens of Scripture.
Some of the questions answered:
The Bible says, “the wicked borrows but does not pay back.” (Psalm 37:21) Did our government just force Americans to sin?
Since Christians have been forgiven of their "debts," shouldn't they be the biggest fans of student loan forgiveness? What about the Year of Jubilee?
Is it biblical unethical for a person to accept loan forgiveness?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art and Taylor talk about the FIRE movement—Why some think it is unbiblical, and whether they’re right. Plus, they answer a listener question about investing instead of paying off a car loan.
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art and Taylor ask Thom Rainer several listener questions about generosity, including questions about amounts to give, church benevolence, stewardship ministries, and more.
Resources mentioned:
Church Answers University | Learn more here: https://churchanswers.university/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should you pay off your mortgage? Art discusses six reasons why he and his family paid off their mortgage.
Notes:
- Return isn’t everything.
- Reduced interest paid.
- Increased cash flow.
- Increased peace of mind.
- One of retirement’s largest expense is eliminated.
- Increased capacity to live and give generously.
Listener questions answered:
Can I rollover my Traditional 403(b) into a Roth 403(b)?
Also mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art revisits his interview with Paul David Tripp about how Scripture shines a light on the real reasons we struggle with money, and why we don’t fix debt with a budget.
Listener questions answered:
When one adult child is a very poor money manager, what is the best way to set up a will so that an inheritance does not make the problem worse?
Also mentioned:
Redeeming Money | Buy the book here: https://www.amazon.com/Redeeming-Money-Reveals-Reorients-Hearts/dp/1433556731
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you still anti-crypto? Should my church take out a loan? In this episode, Art and Taylor answer these questions. Plus, they talk about how ridiculously hot it is in Texas right now.
Listener questions answered
Are you still anti-crypto?
Should my church take out a loan?
Notes
What the Bible teaches about debt:
- Be cautious about bringing a church into debt.
- If you do go into debt, your congregation will be burdened.
- Debt provides another opportunity to sin.
Four questions to help you assess whether it is right to take on debt:
- Is the debt for a ministry need or want?
- Can we pay off the debt quickly?
- What is the budgetary impact?
- What are our other options?
Money Challenge
Be thankful and strategic. Consider where you live and your primary mode of transportation. Write down five reasons you are thankful for each. Next, write down three ways you can leverage your residence and mode of transportation for God’s mission.
Also mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Average new car prices and new car payments are at an all-time high. How can someone afford to purchase a car these days? If this episode, Art shares his recommended steps for purchasing a car with cash.
Listener questions answered:
Our church budget is tight. Should I provide bonuses to staff instead of salary raises?
Also mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Pastors and ministers enter ministry for the mission, not the money. In this episode, Art answers some common questions pastors frequently ask, mostly relating to housing allowances.
Listener questions answered:
How much housing allowance should I take?
Should I pay off my mortgage?
Should I rollover my current retirement account over to another brokerage?
Also mentioned:
8 Money Milestones | Read them here: https://www.artrainer.com/8-money-milestones
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
After a conversation with a financial counseling client, Art realized he needed to talk more about the 8 Money Milestones. In this episode Art walks through your guide to financial health for the sake of living generously.
Notes:
8 Money Milestones
Milestone 1: Start giving.
Milestone 2: Save $1,500 for a minor emergency.
Milestone 3: Max out your 401(k) or 403(b) match.
Milestone 4: Pay off all debt except your mortgage.
Milestone 5: Save 3 to 6 months of living expenses for a job-loss emergency.
Milestone 6: Put 15% of your gross income to retirement.
Milestone 7: Save for college or pay off your mortgage.
Milestone 8: Live generously.
Money Challenge:
Determine where you are. Which Money Milestone are you on? Take a look at the Milestones to determine which ones you have completed and which one is your next financial goal.
Resources mentioned:
10 Small Ways to be Generous This Summer | Read here: https://www.artrainer.com/post/10-small-ways-to-be-generous-this-summer
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
A listener asks, “Is it okay for me to want more money and things?” On this episode, Art and Taylor dive into this question. Plus, Art and Taylor discuss some of their favorite More Than Money episodes.
Notes:
- God owns everything.
- We don’t deserve anything.
- Anything we have has been given to us by God.
- To some God gives much. To others he gives little. To all he requires stewardship.
- Contentment with possessions reflects a heart that’s content with God. Discontentment suggests a heart is searching for contentment outside of God.
- Limitations are often acts of God’s grace.
- Possessions are not bad, but a heart that puts its hope in possessions is in trouble.
Practical steps:
- Pray for contentment.
- For the next month, daily identify 5 things for which you are grateful.
- Stop looking up.
- Stay away from social media accounts that unsettle your heart.
Money Questions:
Is it okay for me to want more money and things?
What types of investments should I consider?
Money Challenge:
Build your contentment. Start writing down five things for which you are thankful. Try to do this for the next thirty days. Stay focused on what God has entrusted you with.
Resources mentioned:
MTM Episode 21: Redeeming Money with Paul David Tripp | Listen here: https://www.artrainer.com/podcast/episode/794355e9/episode-21-or-redeeming-money-or-guest-paul-david-tripp
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
We are big on joint accounts for married couples. But is it okay for only one spouse to be on the mortgage? Art and Katie answer this listener question and another listener question about compensating church staff.
Notes:
Significant Changes Coming to Your Credit Report:
- Most medical debt will be removed from credit reports starting July 1, 2022.
- Buy now, pay later debt can start showing up on credit reports.
- Emphasis on trended data.
Money Questions:
How can I better compensate my church staff?
Is it okay for me not to include my wife on the mortgage?
Money Challenge:
Ask one of you church ministers if there is anything you can do for them. And then, if possible, serve them. Reflect God’s generosity to your church ministers this week.
Resources mentioned:
Significant Changes Coming to Your Credit Report | Read the blog here: https://www.artrainer.com/post/significant-changes-coming-to-your-credit-report
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art and Taylor consider a listener’s question about renting or buying in their new city. In addition, Art provides some suggestions for how to have a great staycation this summer.
Notes:
7 Ways to Ensure a Great Staycation
- Set objectives for your staycation.
- Make a plan.
- Take advantage of special events.
- Do something you’ve wanted to do for a while.
- Take a day trip.
- Spend more money on entertainment than food.
- Plan a few splurges.
Money Questions:
How can I stop paying so much for used cars?
I’m moving to a new city. Should I rent or buy a home?
Money Challenge:
Review the 8 Money Milestones and note what Milestone you’re on. Now is a good time to get back to the fundamentals. Let the Milestones guide you on your journey to financial health for the sake of advancing God’s Kingdom.
Resources mentioned:
7 Ways to Ensure a Great Staycation | Read it here: https://www.artrainer.com/post/7-ways-to-ensure-a-great-staycation
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art shares three surprising statistics and the lessons we can learn from them. Art also answers a listener question about buying a dog.
Notes:
More money will not fix bad money habits.
Don’t let the market determine your financial decisions.
Don’t buy what you can’t afford.
Money Challenge:
Research buy now, pay later offers. Get a better understanding of the financing strategy that’s starting to crush Gen Z. And educate others about it.
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How can you make giving easier and more fun? In this episode, Art talks with author Bob Lotich about net worth, spending more on what you enjoy, and making giving easier. Plus, Art answers a couple of listener questions.
Listener questions:
Do you still recommend Greenlight for children?
The market is tanking. Should I still invest?
Resources mentioned:
Simple Money, Rich Life | Buy it here: https://www.amazon.com/Simple-Money-Rich-Life-Financial/dp/0593193652
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How does our faith influence our investing? Should you invest in vice or sin stocks? What about index funds with sin stocks in them? On this episode, Art talks with Dr. David Jones, a financial ethicist, about ethical investing.
Resources mentioned:
Health, Wealth, and Happiness | Buy it here: https://www.amazon.com/gp/product/B07175Q13Q/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i2
The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Money arguments are common in marriages. How can you and your spouse reduce these blow ups? In this episode, Art helps a listener think through this question.
Notes:
- Remember God’s design for marriage.
- Acknowledge God didn’t entrust you with money to destroy your marriage.
- Place marital goals over financial goals.
- Recognize money arguments may reveal some deeper issue in your marriage.
- Understand each other’s money personality.
- Give your spouse the grace you give yourself.
- Go somewhere else to talk finances.
Money Challenge—Join the More Than Money Facebook Group. Join a group of men and women just like you who are getting financially healthy for the sake of advancing God’s Kingdom.
Resources mentioned:
https://www.artrainer.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Financial infidelity is on the rise. How can you protect your marriage? In this episode, Art, Katie, and Taylor discuss three financial decisions married couples must avoid.
Notes:
Marriage Destroyer #1: Separate accounts.
Marriage Destroyer #2: Secret accounts.
Marriage Destroyer #3: Unilateral Decision-making.
Money Challenge—Combine your accounts. If you are married, title all accounts in both names. In the event where joint ownership is not possible (like a retirement account), make sure both have access to the account.
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
You and your money were meant for more. In this episode, Art shares five teachings found in Scripture that positively alter your relationship with money. If taken seriously, these teaching can change everything.
Notes:
- God owns everything.
- Stewardship is not about maintaining the status quo.
- For better or worse, money will shape you heart.
- The biblical patter of stewardship is: Give, Save, Live.
- Debt will mess you up.
Listener questions answered:
Should an elderly couple with adult children get a prenup?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Have you been known to overspend? If so, this episode is for you! Overspending creates significant financial problems. On this episode, Art and Taylor talk about how to rein in your bad spending habits.
Notes:
- Really believe that money management reflects heart management
- Consider the opportunity cost.
- Create a blueprint for mission.
- Always make a list before you shop.
- Automate as much as possible.
- If necessary, consider the envelope system.
Resources mentioned:
The Psychology of Money | Buy it here: https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Training and running a marathon provides many lessons that apply to our financial journeys. In this episode, Art talks about eight lessons he learned that will help you get financially healthy. Plus, Art answers a couple of listener questions.
Notes:
- You need a why.
- You can’t just show up and expect to finish.
- You need a plan.
- Don’t underestimate the power of discipline.
- Avoid all unnecessary weight.
- You must believe you can reach your goal.
- Surround yourself with the right people.
- Be generous during the journey.
Listener Question:
I am about to graduate college. What should I do with my first paycheck?
Art, my home value is ridiculously high. What do you think about taking advantage of the market and selling my house?
Resources mentioned:
Month-End Check Up (limited time only): https://www.artrainer.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Stop believing the lies! There are several lies that, if believed, will keep you from getting and remaining financially healthy and, ultimately, experiencing God’s design for your money. In this episode, Art and Taylor discuss five of the lies.
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
On this episode, Art and Katie discuss a question from a financially struggling teacher. She wonders if quitting her current job and jumping into a higher paying profession is the right move for her.
Resources mentioned:
Find More Money | Buy it here: https://www.artrainer.com/find-more-money
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How does someone get and remain financially healthy? In this episode, Art and Taylor reveal five secrets of financially healthy people. Plus, Art talks about his recent marathon race…way too much. You will find yourself learning and laughing throughout this episode.
Listener Question:
My net worth is in the negative. I don't WANT to know exactly what it is because it is too depressing.
Resources mentioned:
Month-End Check Up (limited time only): https://www.artrainer.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
On this episode, Art and Taylor talk about a person’s net worth—what it is, how to calculate it, and how to increase it. Plus, they answer a listener question about selling a car in this crazy automobile market.
Listener question:
I have a 2018 Honda Pilot that I bought in late 2019. Right now, I can sell my car at a profit. Should I take advantage of this, or should I just hold on to the car?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Student loan repayment starts back up on May 1. Are you ready? In this episode, Art gets you prepared for your student loan payment.
Listener Question:
Should I buy a home in this crazy market?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
The financial world is a little crazy right now. The stock market has been down while inflation has been up. Let’s not even start talking about gas prices. What are we to do? In this episode, Art discusses how to avoid making emotionally driven investment decisions and how to budget during times of inflation.
Listener Question:
When is it okay for me to purchase a luxury item?
Resources mentioned:
Giving Together | Buy the book here: https://www.gospelpatrons.org/books/giving-together
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
God has designed you for generosity. In this episode, Art talks with John Rinehart of Gospel Patrons about giving as a community. Plus, Art answers a few listener questions, like “Is saving for retirement hoarding?”
Listener Question:
Is Saving for Retirement Hoarding?
Should I tithe off gross or net income?
Resources mentioned:
Giving Together | Buy the book here: https://www.gospelpatrons.org/books/giving-together
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should you keep a mortgage for tax savings? Many ask this question. On this episode, Art talks with Andy Hill about why paying off your mortgage is usually worth no longer having the tax deduction.
Listener Question:
Get a 10% return or pay off my 4% loan?
Resources mentioned:
Marriage, Kids, and Money | Visit Andy's website here: https://marriagekidsandmoney.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
The usage of buy now, pay later services is rapidly growing. This is a problem. On this episode, Art talks with Ramsey Personality, George Kamel, about the financial dangers of these services and how to overcome the buy now, pay later temptation.
Listener Question:
Car prices are going crazy. Should I buy a car?
How do I budget during times of inflation?
Resources mentioned:
The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challenge
Find More Money | Buy it here: https://www.artrainer.com/find-more-money
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Debt is a burden. You desperately want to get rid of it, but your income is limited. What do you do? In this episode, Art talks about how you can increase your financial margin to pay off debt more quickly.
Listener Question:
How much housing allowance should I take?
Resources mentioned:
The Money Challenge | Buy it here: https://www.artrainer.com/the-money-challenge
Find More Money | Buy it here: https://www.artrainer.com/find-more-money
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Various pricing strategies surround you every time you walk into a store. In this episode, Art talks about four pricing strategies that you need to guard yourself against. Plus, Art answers a few listener questions.
Listener Question:
-
Debt snowball method or debt avalanche method?
-
Should I include my match as part of my 15% retirement savings goal?
Resources mentioned:
The Money Challenge for Teens | Buy it here: https://www.artrainer.com/the-money-challenge-for-teens
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Did you know that there are companies out there that will pay for some or all of an individual’s college tuition? In this episode, Art shares thirteen of those companies. He also answer a couple of listener questions.
Listener Question:
Should I wait until the government pays off my student loans?
Florida Prepaid or a 529 Plan?
Resources mentioned:
The Money Challenge for Teens | Buy it here: https://www.artrainer.com/the-money-challenge-for-teens
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
What is God’s view on wealth? Why should I stop asking, “How much should I give?” Is it okay to decrease my giving? On this episode, author of God and Money, John Cortines, joins Art to help think through what God says about money.
Listener Question:
Is it okay for me to decrease my giving?
Is there anything lost when someone gives online?
Resources mentioned:
God and Money | Buy it here: http://www.godandmoney.net/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should you refinance your car loan? How can I achieve my goals for 2022? How much should I save for college? In this episode, Art answers several of your money questions.
Listener Questions:
How can I do a better job of keeping my New Year’s Resolutions this year?
Do you have an opinion about refinancing car loans to a lower interest rate so that more goes to principal and gets paid off quicker?
How much do I need to save for my kid’s college?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Money is the number one issue married couples argue about. In this episode, Art talks with Melissa and Murphey Stewart about their debt-free journey and how to get your spouse on board with eliminating debt.
Notes:
- Discuss your “Why.”
- Have Weekly budget meetings.
- Have consistent communication.
- Have mini celebrations.
Listener Question:
When should I tell my boyfriend about my debt?
My fiancé wants a prenup. Do you think this is a good idea? There is something about it that makes me uncomfortable.
Resources mentioned:
fitnfunds.com
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
It is New Year’s Eve. We hope you had a wonderful 2021. This week, we are closing out 2021 by playing, some of our greatest hits from the past year. This episode is the fifth and final greatest hit. In the episode, Art talks with Dr. Thom Rainer about whether ministers should pay off their mortgage, knowing it will impact their housing allowance.
Listener question answered:
Are pastors required to take minimum distributions from their 403(b)?
Notes:
Housing Allowance for Ministers: Made Easy | Buy it here: https://www.amazon.com/Housing-Allowance-Ministers-Made-Easy/dp/1731052367
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
It’s almost New Years. This week, we are closing out 2021 by playing some of our greatest hits from the past year. This episode is the fourth of our greatest hits from 2021. It caught a lot of traction with our listeners. In the episode, Art and Robby Scholes discuss three financial tools you need to know. And they have some good laughs in it as well.
Listener question answered:
Question 1: Should I pay off debt or save for retirement first? Also, should I take from my retirement to pay off debt?
Question 2: I am considering taking Social Security early at age 62. Can I also work full time?
Notes:
3 Reasons not to take money from your retirement:
- 10% penalty
- Ordinary income taxes
- Opportunity cost (compounding)
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
This week, we are closing out 2021 by playing some of our greatest hits from the past year. These are episodes that we and our listeners loved. One of the most faithful stewards we know is Dr. Chuck Lawless. He’s the real deal. And in this episode, Chuck talks about a few ways we could be terrible stewards.
Listener Questions:
Question 1: Should I buy a high quality, expensive item that will last a long time and take care of it, or should I buy cheap and just know it may not last?
Question 2: My wife and I disagree on the amount we should give to our church. I like our current 10% of gross income. She wants to increase it to 15%. How do we resolve the difference?
Additional Notes:
Nobodies for Jesus: 14 Days Toward a Great Commission Lifestyle | Buy it here: https://chucklawless.com/books/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
We are closing out 2021 by playing some of our greatest hits from the past year. And man, this one was a big episode. In this episode, Art asks Dr. David W. Jones, a financial ethicist, some common but difficult questions.
Listener questions answered:
Should I use the money to invest in the stock market or pay off my mortgage?
Notes:
8 Money Milestones | https://www.artrainer.com/8-money-milestones
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
We are doing something different this week. We decided to close out 2021 with some of our greatest hits from the past year. So, from now until Friday, we will share with you one episode that we and the More Than Money listeners loved. This first greatest hit is the episode where Art interviews Jimmy and Kristin Scroggins about how to budget for a family of 10.
Listener questions answered:
Is it worth the effort trying to find a better rate on our Liquid Money Market account for our emergency fund? We currently earn .15% dividend rate with our credit union. Are we missing out on a significant advantage by keeping it with them?
Do you tithe all money you receive? Examples being birthday, graduation, tax returns, etc.
Notes:
Full Circle Parenting: A Guide for Crucial Conversations | Buy it here: https://www.amazon.com/Full-Circle-Parenting-Crucial-Conversations/dp/1087713447
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
You need to know your financial reality, and we have the tool to help you do just that. On this episode Art talks with Matthew Morvay about the Financial State of the Union.
Notes:
- Review your generosity.
- Review your cash.
- Review your debt.
- Review your retirement.
- Review your net worth.
- Review your goals.
Listener Question:
What is the best company to open a brokerage account with?
Resources mentioned:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Given the needs in the world, how should Christians think through their spending on material things? Is it okay for a Christian to have nice things, like a beach house? Dr. David W. Jones helps us consider questions like this.
Notes:
Is it okay for a Christian to buy a beach house?
Is enjoying the material world sinful?
Listener Question:
Where should I give when I am in between churches?
Resources mentioned:
Every Good Thing: An Introduction to the Material World and the Common Good for Christians | Buy it here: https://www.amazon.com/Every-Good-Thing-Introduction-Christians/dp/1577997018
RedeemedMind.com
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
On this episode, Art has a conversation with David Wilson, a debt-free college graduate who was featured in the documentary, Borrowed Future. David tells how he avoided student loan debt through a little creativity. Plus, Art answers a couple of listener questions.
Resources mentioned:
Borrowed Future | Watch the documentary here: https://www.ramseysolutions.com/shows/borrowed-future-documentary
savingforcollege.com
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
On this episode, Art has a conversation with Derrick Kinney of Good Money Framework about his money story, new book, and how to use money for the advancement of God’s Kingdom.
Notes:
The Good Money Revolution by Derrick Kinney | Pre-order here: https://www.amazon.com/Good-Money-Revolution-Make-More/dp/1637630174
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art discusses online giving with the founder of SecureGive, Marty Baker. Plus, Art and Taylor answer a question about whether it is okay to postpone giving until someone gets out of a financial mess.
Listener question answered:
-
Should I automate my giving? Is there anything that a person misses out on spiritually when they give online?
-
I am in a very difficult financial place. I made some bad purchases and now I owe a significant amount of money. Is it okay to postpone my giving until I get out of my mess?
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Debt free people are creatures of habit. In this episode, Talaat McNeely comes on MTM to discuss some secret habits of debt-free people. Plus, Art and Katie answer a question regarding a spouse who doesn’t seem motivated to pay off debt.
Money questions:
What are your thoughts on apps like Acorns that automatically take change from your bank transactions for saving and investing purposes?
My husband and I have significant debt. It stresses me out, but he doesn’t seem to care. He never wants to do anything about it. How can I get him on board with paying off our debt?
Notes:
HisandHerMoney.com
The Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Pastors have some unique financial challenges that lead to particular questions. In this episode, we tackle a few of those questions like, “Should a pastor pay off their mortgage?”
Listener question answered:
Are pastors required to take minimum distributions from their 403(b)?
Notes:
Housing Allowance for Ministers: Made Easy | Buy it here: https://www.amazon.com/Housing-Allowance-Ministers-Made-Easy/dp/1731052367
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Marriage and money challenges are common. How can you get on the same financial page with your spouse? A budget can help. And in this episode, we explore how you and your spouse can create one together.
Money questions:
Should each spouse have their own “play money?” If so, what are the rules?
What is the best way to start compounding interest?
Notes:
The Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Saving for the future is wise. In this episode, Chuck Bentley, CEO of Crown Financial Ministries, answers some crucial retirement questions.
Listener questions answered:
-
What college degree should I get?
-
Should I buy Bitcoin?
Resources mentioned:
Crown.org
The Money Challenge for Teens | Buy it here: https://www.artrainer.com/the-money-challenge-for-teens
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Historically, South Memphis has been plagued by generational poverty and high unemployment. Advance Memphis desires to see this changed. This episode will inspire you to get financially healthy and help other do the same.
Listener questions answered:
-
Should I put my 16-year old daughter on my credit card to build her credit?
-
The stock market is making me nervous. What should I do?
Notes:
AdvanceMemphis.org
When Helping Hurts | Buy it here: https://chalmers.org/resources/books/when-helping-hurts/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
God’s three-step financial formula is this—Give generously. Save wisely. Live appropriately. We focus a lot on those first two. But what about living appropriately? How can someone glorify God in with their spending?
Listener questions answered:
-
I recently took my kid to the dentist to find out that they need braces. Is this something I should save up and pay cash for or do I need to finance this? I don't have the money right now but may be able to pay it in full within a couple of years.
-
Why should someone pay off their debt before saving for their emergency fund?
Notes:
Agape Investing | Visit here: https://agapeinvests.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How can you start building wealth today? In this episode, we share five different ways you can take a step toward building wealth today.
Notes:
- Decrease your expenses.
- Increase your income.
- Invest for the long haul.
- Stop financing depreciating assets.
- Give.
Find More Money | Buy it here: https://www.artrainer.com/find-more-money
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How do I teach my kid to be financially responsible? On this episode, Art talks with Bryan Lark, author of One Kid, One Dollar, about how parents can help their kids become financially responsible.
Money questions:
I have 2 young kids. What is the best tool you have found for helping your kids understand how to take care of money?
I am approaching the point when I can start taking Social Security. Should I take it now or wait?
Notes:
One Kid, One Dollar | Buy it here: https://amzn.to/3m8FPQE
The Secret Slide Money Club Series | Buy it here: https://www.artrainer.com/the-secret-slide-money-club
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
What if God’s teaching on money never reaches the ears of those in the church? What are the consequences? What is the fallout?
Notes:
- Widespread financial challenges.
- Increased stress, anxiety, and marital struggles.
- Increased pursuit of the world’s solutions.
- Decreased or stagnant generosity.
- A lack of funding for the church’s mission.
- A dearth of generous disciples.
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Home prices are going crazy! What’s going on? In this episode, Art answers listener questions about home purchases and mortgages.
Money questions:
Why are home prices so high right now, and when will they drop?
I can get a mortgage by only putting 3% down. I know you aren’t a big fan of these loans, but I am worried that I will never get a home if I don’t buy now because the costs keep going up. This is my only option. Thoughts?
What do you prefer—15- or 30-year mortgage?
What was your strategy for paying off your home early?
Should I tithe off a gain from my home sale?
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
As parents, we want our kids to understand God’s design for money. Unfortunately, many parents don’t know where to start, especially if they have young kids.
Money questions:
JWe are a young family with a 17-month son and one on the way. We have $20,000 in student loans so we know that college is expensive. What should we do first—pay off our student loans or start saving for our children’s college?
We have a baby on the way. Should we slow down our debt snowball to ensure that we have enough for delivery expenses?
Notes:
The Secret Slide Money Club | Buy it here: https://www.artrainer.com/the-secret-slide-money-club
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How often should my wife provide updates about our finances? Do I really have to put 20% down on a home? If my wife wants a lot of kids, at what point should I upgrade our house? We answer those questions and more.
Listener questions:
How often should my wife provide updates about our finances?
What are some general guidelines if I take on a side gig?
Do I really have to put 20% down on a home?
If my wife wants a lot of kids, at what point should I upgrade our house?
Should I make any financial changes because of the pandemic?”
Notes:
Find More Money | Buy it here: https://www.artrainer.com/find-more-money
The Marriage Challenge | Buy it here: https://www.artrainer.com/the-marriage-challenge
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Bivocational pastors have a difficult task. What are their financial struggles? How do they manage their time? In this episode, two bivocational pastors help us understand what their life and ministry is like.
Listener questions:
I am a bivocational pastor. How much can I claim for my housing allowance?
Notes:
Duck Duct Cleaning | https://www.duckductcleaning.com/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Jake and his wife have children but no significant assets. Should they get a will? On this episode, Art discusses wills and trusts with Leo Sabo, president of Christian Stewardship Network.
Listener questions:
My wife and I have a couple of young kids, but we don’t have many assets. When should I get a will?
Notes:
Splitting Heirs | Buy the book here: https://www.amazon.com/Splitting-Heirs-Children-Without-Ruining/dp/0802413765
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
How do I prepare for college costs with 7 kids? How should I prepare for another economic downturn? What is the most important thing about money I should teach my child?
In this episode, Art answers several listener questions.
Listener questions:
- How do I prepare for college costs with 7 kids?
- My son will go to college next year. I am thinking about purchasing a home wherever he goes to college for him and some roommates to live in. What are your thoughts?
- How should I prepare for another economic downturn?
- What is the most important thing about money I should teach my child?
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should you use your home equity to consolidate debts? When should you start saving for a down payment? Should I meet with a financial planner?
Listener questions:
-
Should I use my home equity to consolidate my debts.
-
Should I pay off all debts before saving for a down payment for a house?
-
Should I use my emergency to cover my homeowners insurance deductible?
-
Should I use a planner to manage my retirement?
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Give generously. Save wisely. Live appropriately. That’s the 3-step financial pattern we see in the Bible. And most of the time, we talk about those first two steps—give generously and save wisely. In this episode, Art answers listener questions, including one about living appropriately and spending money.
Listener questions:
-
You say give generously, save wisely, and live appropriately. What does it mean to live appropriately, and what are some good ways to spend my money?
-
What do you think about USDA loans?
-
What is one thing you would do differently as a parent, and one thing you wouldn’t change?
Notes:
- Others
- Health
- Experiences
- Knowledge
- Time
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Are you wanting to change careers? Is now the time to really go after that dream job? On this episode, bestselling author, Ken Coleman, will help you think through what steps you need to take next.
Notes:
The Proximity Principle | Buy it here: https://www.ramseysolutions.com/store/books/the-proximity-principle-by-ken-coleman
From Paycheck to Purpose | Preorder it here: https://amzn.to/3hPo4F4
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
So, you married into debt. What do you do? This is going to be a great episode for married couples and those who, one day, want to be married.
Notes:
- Don’t follow the script.
- Be your family.
- Live like you have one salary.
- Togetherness.
JackiCKing.com
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Most of the time, we talk about being good stewards (managers) on More Than Money. In this episode, we are going to discuss how to be terrible stewards. It is a fun and inspirational episode.
Listener question answered:
Should I buy a high quality, expensive item that will last a long time and take care of it, or should I buy cheap and just know it may not last?
My wife and I disagree on the amount we should give to our church. I like our current 10% of gross income. She wants to increase it to 15%. How do we resolve the difference?
Notes:
Nobodies for Jesus: 14 Days Toward a Great Commission Lifestyle | Find it here: https://amzn.to/3AzGvFa
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
On this episode, Art talks with Costi Hinn about his life story and his book, “God, Greed, and the (Prosperity) Gospel.” Plus, Art answers questions about 529 plans and retirement savings.
Listener questions answered:
I am curious whether you have Roth or Traditional IRAs in mind when recommending a 15% savings rate.
I am a bit overwhelmed by looking through info for all 50 states to find the best. Are there a few off the top of your head that you’d recommend.
Notes:
God, Greed, and the (Prosperity) Gospel | Find it here: https://amzn.to/3x5k5sZ
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Is it okay for a church to accept someone’s lottery winnings? When is it wrong for a church to accept designated gifts? Is it okay to accept personal gifts from church members?
Listener question answered:
I am a bi-vocational pastor. My ministry income is about 10% of my total income. Are there any unique ways churches should allocate pastoral pay packages (distributed between housing allowance, mileage reimbursement, etc.) when the pastor does not depend on the funding to provide for his family?
How should "cost of living" and inflation factor into the modest raises ministers receive?
I am a couple years away from paying off my mortgage. Should I use some of my emergency fund to pay it off early and save on interest?
Find More Money by Art Rainer | Get it here: https://www.artrainer.com/find-more-money
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Going to Disney World this summer? In this fun episode, we talk to Disney aficionado Kristen Petersen about how to save a little money at the parks this summer.
Listener questions answered:
Can you help me understand what a zero-based budget is?
You recommend the debt snowball to pay off debt. It seems like paying off the highest interest would be better financially. Would you be okay if I do that instead?
Notes:
- Get a travel agent.
- Stay at a Value Resort.
- Skip table service dining.
- Bring souvenirs from home.
- Purchase Disney gift cards at a discount.
If you'd like to learn more about Travelmation and work with them on your next family vacation, click here: https://www.travelmation.net/
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Our sponsor SecureGive has a special event coming up that we want you to know about called the Give Conference. As you know, not enough people are giving to your church. And, many that are giving simply aren’t giving enough. Church leaders, we know you desire to turn this around, but it can be challenging. You need practical step-by-step help and encouragement in the process.
Learn from other church leaders who understand exactly what you're up against. Walk away with the tools you need to grow and sustain digital giving. Make a plan that takes discipleship and giving participation to the next level!
Imagine a local church filled with faithful, generous people. Give Conference is a unique event designed to help you make this a reality. Register and get your tickets by clicking here: https://www.securegive.com/give-conference/
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art answers several money questions from More Than Money listeners.
Listener question answered:
We are starting the college search process for my child. What tips do you have for us. I don’t want her going into debt for school.
I’m single and just starting out on my financial journey. What suggestions do you have for someone like me?
Why do you tell us to get our company match before paying off debt?
I love how you talk about how God designed us for generosity and that is to be our financial priority. I don’t have much money to give. What should I do?
Notes:
Bad Reasons for Choosing a College:
- It’s where my girlfriend/boyfriend is going.
- It’s where my parents went.
- It’s far away.
- It’s prestigious.
- It’s my favorite team.
- It’s where everyone else is going.
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Looking for a few good books to read this summer? In this episode, Art provides his top five (or six) recommended books on money.
Listener questions answered:
Where should I put my child’s savings? In a savings account?
Should I invest in Bitcoin?
Notes:
Redeeming Money by Paul David Tripp
Gospel Patrons by John Rhine
The Money Challenge by Art Rainer
The Millionaire Next Door by Thomas J. Stanley and William D. Danko
The Automatic Millionaire by David Bach
The Psychology of Money by Morgan Housel
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Is it okay to play the lottery? Is there a difference between gambling and investing? In this episode, Dave Jones rejoins us to discuss the biblical view of gambling.
Questions answered:
-
What’s wrong with playing the lottery?
-
What is the difference between investing and gambling?
-
Is it okay for me to have an office bracket pool?
Notes:
The Essential Emergency Binder | Buy it here: https://www.artrainer.com/essential-emergency-binder
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Thom Rainer joins Art to answer some FAMQ (Frequently Asked Money Questions) of ministers. Art also announces a new giveaway from SecureGive!
Listener questions answered:
-
We often discuss the difference between a pastor’s salary and the pastor’s compensation package. What is the difference and why is it important for a pastor to understand the difference?
-
Before taking a pastoral position, can a pastor negotiate the salary? How should he go about doing that?
-
Housing allowances are a big deal for ministers. What is a housing allowance and how can a minister take full advantage of it?
-
Give me your 3 biggest future financial concerns for pastors.
Notes:
Church Answers | https://churchanswers.com/
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
John Rinehart from Gospel Patrons joins us to share a few practical steps to becoming more openhanded with our money. Art also answers question about paying for Disney World and whether or not to sell your home.
Listener questions answered:
I want to take our family to Disney World this year, but we don’t have the money right now. My husband typically gets a bonus at the end of the year that would cover the costs. What do you think about paying for it with a credit card, knowing we can pay it off at the end of the year?
The real estate market is hot right now. Should I sell my home?
Notes:
Gospel Patrons | https://bit.ly/33zeoGH
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
The Rainer's paid off their mortgage. Woohoo! In this episode, Sarah joins Art to have a conversation about the lessons they learned along the way.
Listener question answered:
Should I pay off my mortgage? I am a pastor with a housing allowance and I don’t want to mess anything up. What do you think?
Notes:
Lessons Learned:
- Know your why.
- Buy a house you can afford.
- Have a plan.
- Stay focused (this is a long journey).
- Be flexible (this is a long journey).
Notes:
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode we answer questions about inheritances, savings bonds, and digital retirement platforms. Plus, we make fun of Taylor’s dancing. It is a great episode!
Listener questions answered:
When one adult child is a very poor money manager, what is the best way to set up a will so that an inheritance does not make the problem worse?
While reading your new book, "The Money Challenge for Teens", you mention the importance of no minimum balance and low trading fees. Do you recommend online investment platforms such as Betterment for Roth IRA's? Why or why not?
Are bond checks worth investing and giving as a gift?
Notes:
Taylor's Hilarious Dance Video | https://bit.ly/3gI11vv
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Should I plan to care for my parents? Is 0% financing a good idea? We answer these questions plus a few other listener questions in this episode. Also, we announce a new giveaway!
Listener questions answered:
Regarding home improvements, how do you balance future ROI vs. what you want to live in?
Is 0% financing a good idea?
Should I plan to care for my parents?
What are effective ways to teach HS Seniors money management and stewardship BEFORE they go to college?
Notes:
The 8 Money Milestones | https://bit.ly/3s4r1Uz
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Steve has $50,000 in debt and wants to know if he should sell his home to pay off the debt. In this episode, we answer Steve’s question plus several other money questions from our listeners. Also, we announce a new giveaway!
Listener questions answered:
Should I use sell my home to pay off my debt?
Would you have a recommendation for a percentage of my income to use towards a mortgage?
I’ve already maxed out my Roth IRA. What should I invest in for the remainder of my 15%? I am self-employed, so 401K is not an option.
Notes:
The 8 Money Milestones | https://bit.ly/3s4r1Uz
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Last week, we asked you to send in your money questions. And you responded in a big way. So, we are going to answer a few of your questions in this episode. Plus, we will announce the giveaway winner!
Listener questions answered:
How should one order priorities of saving for retirement, paying off debt, saving for college, etc.?
I've taken my workplace match (6%) on my retirement account which is a 403(b) since I work at a non-profit, but as I think about where to invest the rest of my 15%. I'm tempted to invest it elsewhere since my 403(b) options are very slim. Is it smart to put the rest in something like a Roth IRA, or is it better to keep everything in the same account to capitalize on higher gains since the account will have more money?
What are the best practices in a healthy financial marriage when one spouse loves the idea of paying off a 3 % loan on a house and the other spouse loves the opportunity of making 8-10% in the market?
Notes:
The 8 Money Milestones | https://bit.ly/3s4r1Uz
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Some decisions are clear. Should we give? Yes. Should we pay our bills? Of course. what about those questions that aren’t always so clear, like should you give to the homeless man at the traffic light? I invited, Dr. David W. Jones, a Professor of Christian Ethics, to answer three questions:
•Is it okay for Christians to negotiate down debt?
•Is it okay for Christians to be rich?
•Should you give money to the homeless man at the traffic light?
Listener questions answered:
Should I use the money to invest in the stock market or pay off my mortgage?
Notes:
The 8 Money Milestones | https://bit.ly/3s4r1Uz
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Does your family struggle with budgeting? Don’t worry, you are not alone. Jimmy and Kristin Scroggins are, not just great ministry leaders, but amazing budgeters. In this episode, they share what they’ve learned from budgeting for a family of ten.
Listener questions answered:
Is it worth the effort trying to find a better rate on our Liquid Money Market account for our emergency fund? We currently earn .15% dividend rate with our credit union. Are we missing out on a significant advantage by keeping it with them?
Do you tithe all money you receive? Examples being birthday, graduation, tax returns, etc.
Notes:
Full Circle Parenting: A Guide for Crucial Conversations | Buy it here: https://amzn.to/3ri3hv8
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Budgeting? Teenagers? Are you serious? We are. Crystal Paine is a New York Times bestselling author known widely as the Money Saving Mom, and on this episode, she joins us to discuss three important tips for teaching your teenager about budgeting.
Listener questions answered:
Any big pros/cons with using a state option rather than a big firm for 529 Plans?
Do you use a software for budgeting or all tactile?
Notes:
https://moneysavingmom.com/
Love-Centered Parenting: The No-Fail Guide to Launching Your Kids | Buy it here: https://amzn.to/3cHbsvV
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Yes, all parents wish they could get a few do-overs. In this episode, we talk about five mistakes parents make when teaching their kids about money, And don’t worry, you will not finish the episode feeling guilty but inspired.
Listener questions answered:
Should you try to be “fair” and support each child equally?
Notes:
- Parents often avoid discussions about money with kids because it is perceived as “adult stuff.”
- Parents fail to model healthy behaviors to their kids.
- Parent don’t spend enough time reading the Bible or participating in discipleship to apply a biblical worldview to their own finances.
- Parents don’t understand how Scripture applies to financial conversations.
- Parents get too busy in the day-to-day and often unintentionally fail to be generous or model a mission mindset.
TheFinancialApologist.com
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Oneness—this is God’s design for marriage, and it includes a couple’s finances. In this episode, you are going to hear a married couple’s incredible journey from hoarding to living generously. It will inspire you and our spouse to take that next step in your generosity story.
Listener questions answered:
What are your thoughts on cryptocurrency?
Should we decrease our giving to finish the debt then pick it back up?
Notes:
The 4 Giving Principles:
- Giving is to be a priority.
- Giving is to be done proportionally.
- Giving is to be done sacrificially.
- Giving is to be done cheerfully.
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Jenn Collins is the founder of Mama Needs Box. What started out as a dream is now reality. In this episode, I talk with Jenn about her successful side gig and the lessons she learned along the way. Get ready to be inspired!
Listener questions answered:
Debt snowball or debt avalanche? Which is right for me?
Notes:
Jenn’s Lessons Learned:
1. Don’t assume.
2. Find your people.
3. Focus on what you are good at.
MamaNeedsBox.com | https://mamaneedsbox.com/
Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3dEDQRt
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
We are to cast our anxieties on God, but this does not mean we should not prepare for the inevitable emergency. In this episode, I’m having a conversation with my good friend and financial expert, Robby, about preparing for financial emergencies.
Listener questions answered:
How much cash should I keep in my car?
How much of an emergency fund should a retiree with no debt have?
Notes:
The 8 Money Milestones | https://bit.ly/3s4r1Uz
DIME Method:
Debt
Income
Mortgage
Education
The Essential Emergency Binder | Buy it here: https://bit.ly/3qsNYAm
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Understandably, student loan debt has been a really big topic recently. According to a recent study, 44.7 million Americans have student loan debt. On this episode, we welcome Ramsey personality, Anthony ONeal, to discuss how to get rid of your student loan debt.
Listener question answered:
What is your opinion on the government paying off student loan debt?
Notes:
Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster by Anthony ONeal | Buy it here: https://amzn.to/3aMfl1D
Debt Free Degree by Anthony ONeal | Buy it here: https://amzn.to/3aRj4uD
The Money Challenge for Teens: Prepare for College, Run from Debt, and Live Generously by Art Rainer | Buy it here: https://amzn.to/3aRj65J
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
It is time to learn about some important financial tools that are out there. In this episode, Art talks with financial expert, Robby Scholes, about three must-know financial tools. It is fun and informative conversation. Plus, Art answers questions about debt, retirement, and Social Security.
Listener question answered:
Question 1: Should I pay off debt or save for retirement first? Also, should I take from my retirement to pay off debt?
Question 2: I am considering taking Social Security early at age 62. Can I also work full time?
Notes:
3 Reasons not to take money from your retirement:
- 10% penalty
- Ordinary income taxes
- Opportunity cost (compounding)
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Albert Einstein famously said, “Compound interest is the eighth wonder of the world. He who understands it, earns it...he who doesn't...pays it.” On this episode, I’m talking to a 16-year old who understands it and is earning it. Parents, this episode will inspire you.
Listener question answered:
How young should you start teaching your kids about money and finances?
Notes:
- Children can start learning about God a lot earlier than most parents realize.
- Children can start learning about money a lot earlier than most parents realize.
- Things stick children a lot longer than most parents realize.
The Money Challenge for Teens | Buy it here: https://amzn.to/3ccc3qI
The Secret Slide Money Club | Buy it here: https://amzn.to/3sZUHn2
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, I have a conversation with best-selling author Deborah Pegues about some lighthearted topics like emotional spending and enabling. After I talk to Deborah, I provide seven things high school seniors should know about money.
Notes:
- Money is the result of work.
- Money is finite.
- Debt is a burden.
- Instant gratification often leads to delayed financial health.
- A little bit of money + A lot of time = A lot of money.
- God is the owner and provider of everything.
- Eternal treasures are greater than earthly ones.
Listener question answered:
I'm a high school pastor now and desire to equip graduating seniors with more financial knowledge than I had at 18. My question is, what are the 3-5 things seniors need to know?
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, I have a conversation with our producer about credit cards. We have differing opinions on them, so I thought it would be fun to talk about our views.
Notes:
•Financial Priority #1: Giving (if you still have income)
•Financial Priority #2: Food and health.
•Financial Priority #3: House.
•Financial Priority #4: Utilities.
•Financial Priority #5: Automobile.
•Financial Priority #5: Other loans.
•Financial Priority #6: Everything else.
Listener questions answered:
Several of my peers have been let go where I work. As I precaution, I’m looking for other job possibilities. How should I prepare financially?
I have $5,000 saved in an emergency fund, but I can’t find a decent rate on any account. Any suggestions?
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Rachel Cruze from Ramsey Solutions joins us on the show to discuss her new book, Know Yourself, Know Your Money. In this interview, we discuss how our childhood impacts our view of money.
Rachel Cruze's new book, "Know Yourself, Know Your Money" is out now! Get it here: https://amzn.to/3hN6G22
Listener questions answered:
I'm in my 40's. So, what percentage of social security should I figure into my retirement calculation.
How do I know how much is enough for retirement?
Other notes:
4% Rule
Retirement Budget x 25 = Amount Needed for Retirement
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Alright, I have another incredible story for you. This time, you get to hear how the Morvays paid off $46,000 in one year! It is an amazing story with some important lessons learned.
Notes:
Your Financial State of the Union:
1. Review your generosity.
2. Review your cash.
3. Review your debt.
4. Review your retirement.
5. Review your net worth.
6. Review your goals
Episode #22: Your Financial State of the Union - Listen Here: https://bit.ly/2JxItAa
Lessons learned:
1. Trust the Lord during the entire process.
2. Make a financial plan.
3. Live within your budget.
4. Walk in community.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
It’s time for your Financial State of the Union! Give yourself a strong year-end and a great start to 2021 with this report.
Listener questions answered:
Do you think it’s wise or appropriate to fluctuate your giving when you have a highly flexible take-home pay?
How much life insurance do I really need?
Your Financial State of the Union:
- Review your generosity.
- Review your cash.
- Review your debt.
- Review your retirement account.
- Review your net worth.
- Review your goals.
Other notes:
DIME Method: Debt + Income + Mortgage + Education
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER20' to get 20% off your first year! Learn more here: https://www.securegive.com/
In this episode, Art talks with Paul David Tripp about how Scripture shines a light on the real reasons we struggle with money, and why we don’t fix debt with a budget.
Listener questions answered:
When one adult child is a very poor money manager, what is the best way to set up a will so that an inheritance does not make the problem worse?
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/
Does your view on money hurt you? For many, the answer is “yes.” In this episode, I ask Derrick Kinney, the CEO of Good Money Framework, to discuss how a person’s resentment of money is ruining the world.
Listener questions answered:
How one can be sacrificial in giving while paying off debt?
Roth or Standard IRA?”
Other notes:
- Money represents scarcity and strain.
- You see money as working against you.
- Your family money tree did not grow.
- There’s not enough money to fulfill your dreams.
- The money math doesn’t add up.
The 3 levers that create wealth:
- Save more.
- Earn more.
- Reduce debt.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/
I’ve been eager to share my friend, Roshaun Freeman’s story for some time. Here was a guy
who had seemingly everything against him, including cerebral palsy. Yet, he crushed $50,000 in student loan debt. Get ready to be inspired.
Here are my takeaways from Roshaun Freeman’s story:
- We have to take responsibility for our decisions.
- Getting out of debt takes focus and sacrifice.
- Getting out of debt is more than possible for you.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/
2020 is almost over! It is time to get your year-end plan together. And in this episode, we are talking with Talaat McNeely from HisAndHerMoney.com about the year-end money moves you should be making.
Listener questions answered:
What is the best way to start saving for a child's future college fund?
Should I rent and save 15% for retirement or reduce my retirement savings and put it toward a down payment on a house.
Other notes:
Moves you should make before year-end
- Review your last 12 months of spending
- Obtain a recent copy of your credit report
- Take a look at your debt balances
- Establish new short-term goals
- Assess all of your investments
- Determine your contributions to charity
- Make sure you have sufficient life insurance
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Use the code 'RAINER 20' to get 20% off your first year! Learn more here: https://www.securegive.com/
According to a recent survey, 21.5% percent went into debt over Christmas in 2019. Are you financially prepared for Christmas? In this episode, we consider five ways you can ruin your finances over the holidays and provide some practical tips to avoid them all.
Listener questions answered:
What is the best savings vehicle to start putting aside money for future weddings?
If there is money left at the end of the month, do you suggest putting an additional amount in savings or use it as an additional principal payment on our mortgage?
Other notes:
How to ruin your finances this Christmas:
- Don’t plan.
- Feel obligated to get everyone a gift.
- Go into debt for Christmas purchases.
- Wait until the last minute to purchase gifts.
- Pull back on your financial generosity to your church and others.
Practical money tips for Christmas:
- Get a budget.
- Find cost-friendly gifts.
- DO NOT GET A STORE CREDIT CARD!
- Give yourself time to find wallet-friendly, but good gifts.
- Be intentional about your generosity this Christmas.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Need some inspiration? In this episode, you will hear an incredible story about, not just getting out of debt, but a story of God’s grace and mercy. It’s a story that has to inspire you. You will finish the episode thinking, “God is so good, and if he can do it, I can too.”
Notes:
- God gracious and merciful.
- To get financially healthy, you must do the opposite of everything you did that got you into your financial mess.
- No one said getting financially healthy was going to be easy. But it is worth the effort.
- Financial health can be an idol. Make sure it remains a tool, not a goal.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
In this episode, Art answers questions about down payments on homes and how newlywed couples can combine their finances. Art also talks to Lisa Zeeveld, the COO of Belay Solutions, about being the world’s greatest virtual employee.
Listener questions answered:
What’s the best way for a newly married couple to go about combining their finances?
Is it really necessary to save 20 % to buy a home?
Other notes:
Here are the three questions which you should be able to answer “yes”:
- Do you plan on living there for at least 5 years?
- Will your mortgage payments be less than 30% of your after-tax pay?
- Do you have at least 20% for a down payment?
The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksN
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
“How do you handle finances in your marriage?” I get this question a lot. So, I’ve invited my wife, Sarah, to talk about how we navigate finances in the Rainer household. And we also answer some more of your money questions like, “Why does money cause so much stress in relationships?”
Listener questions answered:
Why does money cause so much stress in relationships?
Where do we go next financially once we get our house? Retirement? Investing?
Sarah, what is it like being married to the true and better Dave Ramsey?
Other notes:
- Mission
- Communication
- Compromise
- Goals
- Trust
- Education
- Equality
The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/2TqSksN
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Getting hired looks different today. Have you had an interview since the pandemic hit? If so, you’ve probably experienced a video interview. Preparation is different. So, in this episode, we are considering what to do (and what not to do) when it comes to virtual interviews. And, of course, we have a few of your money questions and will be answering those.
Listener questions answered:
Question #1: How do you expect the economy to be permanently changed due to COVID?
Question #2: What would be your advice to a new pastor regarding opting out of Social Security?
Other notes:
Housing Allowances for Ministers: Made Easy | Buy it here: https://amzn.to/2H8hKJb
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
27% of side hustlers rely on that income to cover monthly bills. Nearly one-third of side hustlers are over 54 years old. You didn’t see what one coming, did you? In this episode, we are looking at the income side of the financial equation. We are talking about side gigs.
Listener questions answered:
Question #1: How can I bring in more income to get rid of debt, build a cushion, and an emergency fund for my family?
Question #2: Are there any unique Covid-19 opportunities?
Question #3: What is the best approach to saving for kids post high school with the potential move away from college and towards trades?
Other notes:
3 Important Lessons About Side Gigs:
- Figure out what you are passionate about.
- Decide how much you can handle in your schedule.
- Make sure you are withholding taxes.
Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously | Buy it here: https://amzn.to/3do4tYE
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
74% of millennials and 52% of baby boomers believe that millionaires inherited all their wealth? On this episode, best-selling author and Ramsey personality, Chris Hogan might just make you rethink that belief. And, of course, we answer some of your money questions.
Listener questions answered:
Question #1: Any advice on saving for college for your children? Our parents really did great with providing us college money, and we want to do the same for our kids but are on a tight budget. Both my husband and I graduated DEBT FREE and I love how you talked about that and encouraged graduating debt-free in the Money Challenge for Teens Book!
Question #2: I have been putting money away for years in my 403(b). According to my financial advisor, I am on target for retirement. Currently, I am 45, married, with several kids. How much life insurance should I get, and what kind to cover any holes prior to me putting my full amount into my 403(b) over the course of the next twenty years?
Other notes:
Everyday Millionaires: How Ordinary People Built Extraordinary Wealth ― and How You Can Too | Buy it here: https://amzn.to/3ihu46x
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
On this episode, we are talking about newlyweds and money. I have ArtRainer.com contributor and Executive Pastor at Redeemer Church in North Carolina, Daniel Tripp, to walk us through what he has learned over the years. We also answer a few listeners’ money questions. It is a great episode for all married couples.
Listener questions answered:
Question #1: What do you tell a couple where one spouse is hostile to a budget and the other knows it would be helpful, but wants to keep the peace?
Question #2: My wife and I are hoping to purchase our first house in a year or two and we know that most people recommend a 20% down payment to avoid PMI. We've been married for 7 years and are currently debt-free. We want to get as close to 20% as possible, but we also don't want to deplete our savings. Which should we prioritize - the down payment or savings?
Other notes:
3 questions to answer before you buy a home:
- Do you plan on living there for at least 5 years?
- Will your mortgage payments be less than 30% of your after-tax pay?
- Do you have at least 20% for a down payment?
Book: The Marriage Challenge: A Finance Guide for Married Couples | Buy it here: https://amzn.to/346J81Q
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
On this episode, we're talking about the Joneses — those people that you are constantly trying to keep up with and are ruining your financial health. We are also going to hear from the president of the Christian Stewardship Network, Leo Sabo, and, of course, we will answer some of your money questions.
Listener questions answered:
Question #1: Why do you prefer a 529 over a Coverdell ESA when it comes to college planning?
Question #2: What type of account would you recommend our emergency savings to sit in?
Question #3: What is your best advice to save for retirement when still trying to pay off old debt.
Other notes:
- Know what God says about money.
- You need a financial plan.
- Be intentionally grateful.
- Spend less time on social media.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Why are ministers often hesitant to talk about money? In this episode, we hit on a topic that’s often ignored—ministers and money. We are going to hear from best-selling author, Carey Nieuwhof, on the subject. And of course, we are going to answer some money questions.
Listener questions answered:
Question #1: How much/often should a church preach on money? In your opinion, would a class be better?
Question #2: Does it raise suspicion with the IRS if you raise or lower your housing allowance designation during the year either as you get used to living in a new state with a different cost of living or as you anticipate purchasing a new home (thinking of the future)?
Question #3: Is it generally acceptable to claim moving expenses, first month’s rent, etc. as part of the housing allowance since I would say they fall under the category of setting up and maintaining the home that will be used immediately upon employment, but were actually paid for prior to my official hire date?
Other notes:
Housing Allowance for Ministers: Made Easy by Art Rainer | Buy here: https://amzn.to/2Zjh35F
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Did you know that a brand-new car depreciates by 10% the moment it drives off the car dealer’s lot? Car purchases—an area where financial blunders are often made. The mistakes in this area are costly. Sometimes, it’s like taking a big pile of money, worth thousands of dollars, and lighting it on fire. We can do better. By the end of the episode, we hope you are viewing car purchases through a different lens and saving money.
Listener questions answered:
Question #1: Can you expand on Milestone #5 about how many months to have stocked up for an emergency fund? What circumstances should have more and which ones less?
Question #2: Do you and your spouse have joint or individual checking accounts? Why?
Other Notes:
How to view cars through a different lens:
1. Remember the statistics.
2. Focus on what a car payment prevents you from doing—living generously.
3. Remind yourself that all new cars eventually become old cars.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
70% of couples argue about money. 57% of divorced couples reported that money was the
reason for their divorce. On this episode, we are spending some time on the topic of marriage
and money. We get some wise advice about marriage from the President of Crown Financial,
Chuck Bentley, and we answer a few money questions. You will love this episode.
Here are the questions we answer:
Question 1: How do you manage a budget while allowing for the Holy Spirit to lead you in
giving?
Question 2: Should I refinance my ARM (adjustable-rate mortgage) if I think I may move in a few years?
Additional Notes:
Money Problems; Marriage Solutions: 7 Keys to Aligning Your Finances and Uniting Your Hearts
by Chuck Bentley | Buy it here: https://amzn.to/2G5fykP
Should I Refinance My Mortgage? from ArtRainer.com - https://bit.ly/2ExgbDh
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Is God in control, or is He not? In times of worry, that is the question we must answer. Now, trusting in God doesn’t mean we remain inactive. No, it moves us to action. We make wise money moves. We keep moving forward.
Listener questions answered:
Question #1: What can people do if they can't pay their rent/mortgages due to COVID related issues?
Question #2: What age should I start talking about money with my son?
Other Notes:
Your Financial Priorities
Priority #1: Giving.
Priority #2: Food and health.
Priority #3: House.
Priority #4: Utilities
Priority #5: Automobile.
Priority #6: Other loans
Priority #7: Everything else.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Debt is a generosity killer. Because you are obligated to pay your bills, you cannot give and help others in the way that you probably desire. This is why we need to get out of debt and avoid debt. And you are going to hear a story about someone who did just that on this episode.
Listener questions answered:
Question #1: Which should I do first—max out my Roth IRA or pay off my debt?
Question #2: At what point did you feel educated and experienced enough to write and
encourage others on their journey of financial freedom equipping individuals to support the
Kingdom of God?
Other notes:
8 Money Milestones:
Milestone 1: Start giving.
Milestone 2: Save $1,500 for a minor emergency.
Milestone 3: Max out your 401(k) or 403(b) match.
Milestone 4: Pay off all debt except your mortgage.
Milestone 5: Save 3 to 6 months of living expenses for a job-loss emergency.
Milestone 6: Put 15% of your gross income to retirement.
Milestone 7: Save for college or pay off your mortgage.
Milestone 8: Live generously.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
Why do we talk about retirement? Because we want your retirement years to be some of the
most generous years of your life, able to use your time and your money to be part of advancing God’s Kingdom in your community and around the world. Because the Great Commission doesn’t stop when your retirement starts. And in this episode, we focus on Baby Boomers.
Listener questions answered:
Question #1: How do I get started investing?
Question #2: Should I invest in Bitcoin?
Other Notes:
Kingdom Advisors: https://kingdomadvisors.com/
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
What is the relationship between debt and generosity? What do we do if giving to our church means not paying another bill? We serve a generous God. One that sent his Son to stand in our place, to take on the punishment for our sins. And so, when we give, we reflect his generosity to others.
Listener questions answered:
Question #1: What are your thoughts on tithing the first check from a new job?
Question #2: How important is tithing if giving to our church means not paying another bill?
Other Notes:
- Giving is to be a priority.
- Giving is to be done proportionately.
- Giving is to be sacrificial.
- Giving is to be done cheerfully.
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/
The More Than Money Podcast helps listeners get financially healthy for the sake of giving and living generously. This unique podcast provides fun, practical, biblically-based financial advice
through interviews and listener questions. Let’s change our finances so that we can be a part of
changing eternity!
Episode Sponsor:
Most churches struggle to get people to give. SecureGive has created a system that helps churches increase giving so their ministry is funded to reach their community. SecureGive helps churches increase giving in 3 ways: software that makes giving easy, a custom growth strategy, and ongoing stewardship resources. They stand out by offering a real ministry partnership, the most cost-effective solution with the lowest processing rates, and the most comprehensive giving platform available. Learn more here: https://www.securegive.com/