English statesman Francis Bacon once wrote Money is a great servant but a bad master If we don t learn to manage money wisely to take control of it it will soon master us It s one way or the other Today Bob Lotich tells us how to be the master and not the servant when it comes to money and he makes it pretty clear as well Bob Lotich is a high-performance financial coach and Certified Educator in Personal Finance CEPF and has been named a top- influencer in personal finance His wife Linda and his award-winning website SeedTime [... more]

Christians are generous people as God calls us to be That means we must also be discerning We should always give with our hearts out of a passion for advancing God s Kingdom but we must also use our heads to strategically choose which organizations or causes receive our financial support Ron Blue joins us today with some advice before you write that check Ron Blue co-founder of Kingdom Advisors and author of numerous books on biblical personal finance offers valuable insights into how we can give effectively to ministries Drawing from his book Splitting Heirs Giving Your Money and [... more]

The dictionary says integrity is being honest and having strong moral principles God s Word says Better is the poor who walks in his integrity Than one perverse in his ways though he be rich Are you living with integrity in your financial dealings Understanding IntegrityIntegrity isn't just about honesty it also means strength and dependability When we say a bridge has integrity we mean it s sturdy and consistently reliable able to withstand any amount of traffic without collapsing As Christians we are called to be like that bridge representing Jesus Christ to the world by being honest strong [... more]

Greg McGauley Head of Merrill Private Wealth Management joins JR to discuss Merrill's new partnership with IMG Academy to educate young athletes about personal finance and financial literacy [... more]

Margin is one of those important things in life that we often take for granted and that can lead to trouble Margin basically means something extra A little extra time or even distance from the car in front of you It s critical especially with your finances I ll talk about financial margin today Applying Margin to Personal FinancesWhen you think of margin you might associate it with the business term profit margin This concept is crucial in business as it determines a company's profit after all expenses Every step of bringing a product to market involves multiple entities manufacturers [... more]

Matt Bell is the managing editor at Sound Mind Investing and the author of several books on personal finance including Money Marriage A Complete Guide for Engaged and Newly Married Couples HOW DO INDIVIDUAL TEMPERAMENTS AFFECT MARRIED COUPLES' FINANCIAL MANAGEMENT Understanding each other's temperament helps couples manage money together effectively since temperament influences how individuals naturally react to financial situations bringing inherent strengths and weaknesses to money management Temperament shapes our financial behaviors and preferences influenced by upbringing and personal experiences Knowing and respecting each other's temperament can lead to better teamwork in financial decisions It's crucial to recognize that [... more]

Miriam Neff back on the program She's the founder and president of Widow Connection a ministry dedicated to helping women overcome and thrive after the loss of a husband She's also co-author with her daughter Valerie Neff Hogan of Wise Women Managing Money THE IMPORTANCE OF WOMEN UNDERSTANDING FINANCESMiriam Neff discusses the importance of women including widows and single moms understanding and managing finances She emphasizes that women manage over of wealth in the U S and this number is growing Every woman should understand finances regardless of their marital status It's crucial to acknowledge that all possessions are God's [... more]

Ron Blue is co-founder of Kingdom Advisors and the author of several books on personal finances from a biblical perspective including Never Enough Keys to Financial Contentment Ron published a video series a while back for Kingdom Advisors that revealed questions everyone needs to answer KEY QUESTIONS WHO OWNS IT This question is so foundational because until you answer that question you don't know the difference between the steward and the owner And when I say I own it then I can do whatever I want with money But if I say God owns it now my actions change because [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss the update for inherited IRA's for the upcoming year Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Rising interest rates will cause lump sum pension buyouts to be significantly lower in That has a lot of pre-retirees wondering if they should be considering an early retirement Peter with Richon Planning walks through several important questions you should ask yourself before accepting that buyout Peter recommends to Erin Kennedy that you sit down with a trusted financial advisor who can help you create a plan that incorporates not only the value of your lump sum buyout but also factors in other income sources tax planning and your legacy goals There is no cookie-cutter answer to this question But [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss social security federal income tax and how you can manage your money to have a low income tax retirement Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss using life insurance as a tax shelter Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss the sounds too good to be true but it is lifetime income plan Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss IRA beneficiaries Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

If you ask Christians if they rsquo d like to give more the answer is always yes So why don rsquo t they On today's MoneyWise Live host Rob West will welcome Ron Blue to talk about some obstacles to being more generous that folks may not realize they can overcome Then Rob will answer your calls and financial questions nbsp See omnystudio com listener for privacy information [... more]

Financial advisors will tell you that a health savings account is a great way to meet medical expenses nbsp But even if you rsquo re eligible an HSA may not be your best option On today's MoneyWise Live Rob West will explain some details about HSAs and help you decide if having one is a good fit for your financial situation Then he rsquo ll answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Hans and Robby are back again this week with a brand new episode The topic this week is about redoing your social security Hans shares a story about an interesting couple that did just that That's right it's story time with Hans and Robby Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode So you're retired you've saved your money over the years now what do you do with it Hans and Robby are here to help you Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about the new regulations for with IRA beneficiaries as well as a discussion on the ten year rule Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Many high school students are receiving their diploma and heading off to college So are there ways they can avoid borrowing a ton of money to complete their education On today's MoneyWise Live host Rob West will welcome Art Rainer to talk about misconceptions that lead to big student loan debt Then Rob will answer various financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

Hans and Robby are back again this week with a brand new episode This week's show is about taxes Hans and Robby has you covered when it comes to information and tips on the standard deduction for Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about what you can expect if you inherit an IRA What should you do first and what about the new tax laws Those questions and more will be answered so you've come to the right podcast Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby are back again this week with a brand new episode This week's title is a mouthful for sure Luckily you have Hans and Robby here to give you a mind full of information to help you make informed and educated choices Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby cover retiree income tax Everything said in this episode is on a need to know basis but you're in luck cause you need to know this information Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Taxes are one of the things we do with our income While we work usually paying taxes is the first in line and done automatically Once we retire it may be the last thing we do To get many more amazing tips and tricks to retirement taxes etc give Peter Richon a call at - But enjoy the show [... more]

Hans and Robby are back again this week with a brand new episode The discussion turns to Roth IRA's and all the need to know information to help you today as well as later on down the road Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

This week Hans and Robby discuss maximizing your social security Enjoy as they go over information and handy tips to help you get the most out of your social security this year Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Did you know that improving your credit score by just a few points could save you hundreds of dollars a year On today's MoneyWise Live host Rob West will talk with Neile Simon of Christian Credit Counselors about how you can improve your credit score and save money Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

This week Hans and Stu Epperson subbing in for Robby discuss QCDs Qualified Charitable Distributions and estate planning They go over important information that you need to know now or down the road Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Millions of American workers plan to retire this year but many wonder if they'll have enough to stay retired On today's MoneyWise Live host Rob West will explain how much income the average retiree needs and he'll share some steps you can take to trim your retirement budget Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

God created owns and controls everything right down to the change in your pocket We certainly have a part in managing those resources but so does God On today's MoneyWise Live host Rob West welcomes Howard Dayton to talk about what part God has in managing your money Then Rob will answer your financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

This week Hans and Robby discuss IRMAA aka Income-Related Monthly Adjustment Amount In layman's terms it's Medicare tax for high income people Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Scripture calls us to encourage and build each other up and that's a call to action we take very seriously on MoneyWise Live It's why we're on the air On today's broadcast Rob West will share how we've done this past year fulfilling our call to equip believers so they can manage money God's way Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

Hans and Robby discuss tax-free retirement savings and the three different tax characterizations or situations your money might be in including a taxable account a tax deferred account or a tax-free account Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby discuss the two different types of life insurance Term and Whole and specially what type you should have in retirement Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

This week Hans and Robby discuss next year's tax rates for those of you that are retired Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

- - MWL pm - MoneyWise Live record start record start record start record start See omnystudio com listener for privacy information [... more]

Do you have a morbid fear of budgeting similar to claustrophobia Does it make you feel like the walls are closing in on your lifestyle On the next MoneyWise Live Rob West will share how to overcome your fears and beat your budgetphobia Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

Scripture records that women were among the first supporters of Jesus' ministry So what can Christian women learn today from the example of those believers in the New Testament On today's MoneyWise Live host Rob West welcomes Sharon Epps to talk about women and generosity Then Rob will answer various financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

With quickly approaching Hans and Robby go over some need to know details about new RMD's and RMD Levels Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

We understand from scripture that we must obey God's commandments But does God command us to manage our money a certain way On today's MoneyWise Live host Rob West will explain how many of the Bible's financial principles are really suggested rules not commandments But nevertheless they bring great blessings to our lives when we follow them Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

You can't invest in anything without first making some decisions And one of the biggest investment decisions you'll make is whether to choose an IRA or k On today's MoneyWise Live Rob West welcomes Mark Biller to explain if you have to choose one investment account over the other or if there's a way to have the best of both worlds Then Rob will answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

For those who didn't know IRAs are different This week Hans and Robby go over how they are different Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Have you ever admired a family member or friend handling their finances well and wondered What are they doing that I'm not On today's MoneyWise Live host Rob West will welcome Art Rainer to discuss some things you may want to start doing to improve your finances Then Rob will take your calls on various financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

There haven't been many bright spots in the COVID pandemic but tightening requirements for home equity lines of credit or HELOCs may have been one of them But now these lines of credit seem to be making a comeback On today's MoneyWise Live Rob West will explain how a HELOC works and whether or not it's a good option Then he'll answer your calls and questions on a variety of financial topics See omnystudio com listener for privacy information [... more]

Is retirement actually biblical Well the answer to that question really depends on what your definition of retirement is On today's MoneyWise Live host Rob West will talk about what the Bible has to say about retirement and how believers should have a different perspective than the world does on the concept of retirement Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

Hans and Robby discuss the Build Back Better Bill what you need to know and how it might affect you if the bill is passed Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

As work hours shrank during the COVID crisis and resulting shutdowns many turned to budgeting to help stretch their precious dollars But why are some people still not budgeting On today's MoneyWise Live host Rob West will talk about the likely reasons why some people still are not using a spending plan Then he'll answer your calls on various financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

Insurance is a great way to protect yourself from unexpected losses But knowing when to file a claim and when not to can protect you from unintended consequences On today's MoneyWise Live host Rob West will share a secret strategy for keeping the cost of your various insurance premiums low Then he'll answer some caller questions on various financial topics See omnystudio com listener for privacy information [... more]

It's a phone call no one wants to get a debt collector bugging you about a bill you may not even remember You may legitimately owe the debt in question but maybe you don't So it's important to know your rights On today's MoneyWise Live host Rob West will talk about your options and how to deal with debt collectors Then he'll answer your calls and financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

Almost all of us will reach a point in life when age or health will prevent us from working So investing far in advance of that day is critical for generating retirement income On today's MoneyWise Live Rob West will share some ways to avoid being unprepared financially when the time comes for you to retire Then he'll address some calls on various financial topics See omnystudio com listener for privacy information [... more]

Money has its limitations but it really is handy to have around most if not all of the time So you don't want to let opportunities to make or save money slip through your fingers On today's MoneyWise Live Rob West will share ways you may be missing out that could be causing you to lose money Then he'll take your calls and answer your financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

We all make the occasional misstep with our money Some of those mistakes can be quite painful And sometimes we just realize how foolhardy we've been when looking back on our past financial decisions On today's MoneyWise Live Rob West will share a top list of personal finance mistakes to avoid Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

This week Hans and Robby go over social security survivor benefits and what all that entails Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

This week we're talking the seventh worry standard deductions on income taxes Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

The book of Proverbs emphasizes the importance of seeking wise counsel And for couples looking to improve their relationship with each other and their money wise counsel can be very useful On the next MoneyWise Live host Rob West will talk with Howard Dayton author of Money and Marriage God's Way to ask him to share his expertise on these topics Then Rob will answer your calls and questions about various financial matters That's MoneyWise Live where biblical wisdom meets today's finances weekdays at pm Eastern pm Central on Moody Radio See omnystudio com listener for privacy information [... more]

Do you worry about money always wondering if you'll have enough for tomorrow Is that worry robbing you of sleep or hurting your relationships On the next MoneyWise Live host Rob West will explain that if concerns about money are stealing your peace of mind you can take tangible steps to overcome your financial fears Then he'll answer various questions on financial topics from a biblical perspective That's on MoneyWise Live where biblical wisdom meets today's finances weekdays at pm Eastern pm Central on Moody Radio See omnystudio com listener for privacy information [... more]

Hans and Robby talk about charitable giving and how to map out a plan to maximize your donations Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Is the home sale frenzy over The latest figures show a steep decline just when sales are usually strong And what does that mean for the mortgage process On the next MoneyWise Live mortgage expert Dale Vermillion will join Rob West to give us an update on the current housing market and tell us what trends we can expect to see Then Rob will answer your calls and questions on various financial topics That rsquo s MoneyWise Live mdash where biblical wisdom meets today rsquo s finances weekdays at pm Eastern pm Central on Moody Radio [... more]

Millions of jobs were lost in the U S due to COVID and not all of those have returned mdash not even by a long shot And that has pushed many people deeper into debt On the next MoneyWise Live host Rob West welcomes John Jodka with Christian Credit Counselors to tell us the best way to manage that debt Then Rob will answer your calls and questions on various financial topics That rsquo s MoneyWise Live mdash where biblical wisdom meets today rsquo s finances weekdays at pm Eastern pm Central on Moody Radio nbsp [... more]