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 salespeople transporters [... more]

A good man leaves an inheritance to his children's children but the sinner's wealth is laid up for the righteous - Proverbs That verse seems pretty straightforward but it leaves several questions unanswered What should we leave to our kids how much and when Ron Blue joins us today with the answers Ron Blue is the Co-Founder of Kingdom Advisors and the author of many books on biblical finance including Splitting Heirs Giving Your Money and Things to Your Children Without Ruining Their Lives When To Leave Money to Your Kids and When Not ToMany people wonder if Proverbs means [... more]

Inheriting assets can be a life-changing financial boost but it often comes with a maze of tax implications and decisions In this episode we will answer a question about an inheritance and lay out the tax considerations for a variety of assets to help you better understand what you might owe Discover how to navigate the tax implications of IRAs annuities bank accounts real estate and stocks to make the most of your inheritance Even with this information you still want to plan ahead as much as possible If you know an inheritance is coming or if you've just received [... more]

Therefore do not be foolish but understand what the Lord's will is - Ephesians That verse is a good reminder that to follow God's will we must first know it for all areas of our lives including finances Brian Holtz joins us today with a question Does your budget reflect God's priorities or yours Brian Holtz is the Chief Operating Officer at Compass Financial Ministry and the author of Financial Discipleship for Families Intentionally Raising Faithful Children Ownership vs Stewardship One of the fundamental concepts of Christian finances is the distinction between ownership and stewardship Psalm reminds us The earth [... more]

Is it the best of times or the worst of times Well it all depends on if you're trying to buy or sell a house It really is a matter of perspective Home values remain sky-high and are likely to continue rising in the foreseeable future How you view that depends on which side of the transaction you're on Navigating the Current Housing Market Tips for First-Time Home BuyersIt may be the worst of times if you're a first-time home buyer Home values have never been higher thanks to the continued high cost of building materials inflation and low inventory [... more]

Inflation is the natural enemy of retirement savings but there are strategies you can put in place to guard your nest egg from spiking consumer prices and they may even allow you to use those higher costs to your advantage According to Peter with Richon Planning and Erin Kennedy you should Keep Investing time in the market is often your best inflation hedge Maximize Your Social Security and keep in mind you don't miss out on the COLA if you delay claiming Rethink Your Expenses put simply save more money Working with a financial advisor can help implement these strategies [... more]

It's the th of July the day we celebrate our nation's independence It's also a great day to take stock of your financial independence Are you on the road to financial freedom Or are you falling under the bondage of money It's one or the other Either you control your money or your money controls you The Gift of Financial FreedomIndependence gave our nation freedom and financial independence provides us with the freedom to make choices When we control our money we can decide where and how we live where we work and how much we work However financial freedom [... more]

By wisdom a house is built and by understanding it is established by knowledge the rooms are filled with all precious and pleasant riches - Proverbs - Faithful stewardship requires us to make wise financial decisions manage and grow assets and protect our families from hardship Are you ready if you're suddenly disabled or incapacitated Valerie Hogan joins us with a checklist to prepare you for it Valerie Hogan is an attorney a Certified Financial Planner CFP a member of Kingdom Advisors as well as the co-author of Wise Women Managing Money Expert Advice on Debt Wealth Budgeting and More [... more]

If you're on a fixed income it's vitally important to stretch every dollar But that's becoming increasingly difficult considering huge increases in necessary expenses In this video Peter Richon with Richon Planning and Erin Kennedy break down a few savvy strategies to save money on these expenses -Property Taxes -Home and Car Insurance -Groceries In retirement it's crucial to strike a balance between preserving capital and generating sufficient returns to combat inflation This is where working with a financial advisor can really help If you'd like to speak with Peter please call - or visit www RichonPlanning com WealthManagement Retirement [... more]

Many think Solomon was the wisest man who ever lived and much of his God-given wisdom is about managing money John Putnam joins us today to talk about the Money Moves of Solomon so you can be just as wise John Putnam is a Strategic Stewardship Coach a Certified Kingdom Advisor CKA and the founder of Money Made Faithful a financial discipleship marketplace ministry The Wisdom of King SolomonScripture makes it clear just how wise Solomon was In Kings we learn that God granted Solomon wisdom and understanding beyond measure surpassing all others in wisdom So what financial principles did [... more]

And let us not grow weary of doing good for in due season we will reap if we do not give up - Galatians One Christian ministry has been doing good for nearly years and shows zero signs of growing weary Scott Collins joins us today to discuss Buckner International and its ongoing efforts to support foster care adoption and family outreach Scott Collins is the Senior Vice President of Communications at Buckner International an underwriter of Faith Finance A Legacy of Service Since Buckner International founded by R C Buckner years ago with just for its first orphanage has [... more]

From Jeremiah we know God's people should seek the welfare of the places and people around them But is seeking the welfare of our community something Christians can pursue by means of investing choices Today we speak with an investment manager who has been seeking the welfare of cities all over America and the world through his advocacy work with corporations As we will hear today investors can influence decisions made behind closed doors by corporations Chris Meyer joins us today to examine how this advocacy works Chris Meyer is the Manager of Stewardship Investing Research and Advocacy for Praxis [... more]

We tend to think that wealthy individuals always make the right financial decisions but is that always the case The truth is that people with a high net worth can sometimes make financial mistakes just as easily as the rest of us and perhaps with even worse consequences Cole Pearson shares five of them today Cole Pearson is the President of Investment Solutions at OneAscent a family of companies seeking to help people align their investments with their Christian values OneAscent is also an underwriter of Faith Finance Five Mistakes That The Wealthy Make With Their InvestmentsEven wealthy or high-net-worth [... more]

John Forslund Voice of Seattle Kraken NHL PxP on what the Carolina Hurricanes have been doing so far in the playoffs and what he sees for them on the island this Thursday Was the last period of the game last night more about the Carolina Hurricanes or the NY Islanders Would something like the Islanders calling a timeout in-between the Canes scoring all of those goals potentially helped them by slowing the momentum down What does John think of Seth Jarvis and what kind of contract should the Canes be preparing for him What does John think about the matchup [... more]

Al Hood TarHeelBlog CanesCountry on Harrison Ingram going into the portal and the Carolina Hurricanes are playing Game in Round tonight Harrison Ingram is in the transfer portal Will Ingram keep his options open to returning to UNC or is he strictly trying to go into the NBA Is UNC involved in the transfer portal pretty heavily for this upcoming season Why does Al say he could make a good argument for Pyotr Kochetkov to be in net tonight instead of Freddie [... more]

What does it mean to be Rich Toward God It doesn't mean just giving money and possessions away Anyone can do that And the spiritual ramifications are different depending on your heart But Jesus is inviting us to set our hearts on an imperishable inheritance So here's the context a man from the crowd asks Jesus to settle an inheritance dispute and Jesus deflects that question He gets to the heart of the issue by telling a parable about man's greed and envy not just the man who asked the question or had the issue but ours So this parable [... more]

What is the risk of playing it too safe That does seem like a bit of a riddle but we can start to make sense of it by first exploring a behavioral phenomenon called loss aversion Researchers have found that most people feel the pain of losing money roughly twice as strongly as the joy of gaining money To say it again clearly losses feel twice as bad as gains feel good This naturally causes many people to be loss averse and try to avoid losses sometimes to such a substantial degree that it undermines their long-term goals One of [... more]

The Financial Impact of College EducationGoing to college is a financial decision second only to buying a house More specifically it's an investment decision Will it pay off Perhaps the most important factor determining that is whether you graduate with a degree Fail to do that and any money you spend or borrow for college will likely be money down the drain in terms of future earnings The good news is that data just released by the Federal Reserve Bank of New York shows that earning a college degree is still financially worthwhile generally speaking The data shows that recent [... more]

Is your financial advisor truly planning for your future or just coasting In this video Peter with Richon Planning and Erin Kennedy lay out the five signs that your advisor is delivering genuine financial planning not just quick fixes A truly committed advisor will Help you define your goals and objectives Gather details on ALIE Assets Liabilities Income and Expenses Confirm your Social Security Benefits Request last year's tax return Ask for copies of Estate Planning Documents If this doesn't sound like your advisor reach out to Peter for a second opinion Just call - or visit www RichonPlanning com [... more]

Mark Biller is Executive Editor at Sound Mind Investing a longtime underwriter of this program WHAT IS THE IMPORTANCE OF A RETIREMENT PLANNING CHECKLIST Comparing retirement planning to a preflight checklist underscores the critical importance of preparation Just as pilots meticulously ensure the safety of their flight individuals approaching retirement need to assess various aspects of their financial life to ensure a smooth transition into retirement This analogy highlights the need for thoroughness and attention to detail in retirement planning especially for those within a decade of their planned retirement date A retirement planning checklist serves as a comprehensive review [... more]

Michael O rsquo Connell NC State Men rsquo s Basketball Guard on the AMAZING win for NC State in the ACC Tournament and his unbelievable shot that put them into OT What was going through he head before making the shot that will forever make him an NC State legend Where did the groups belief come from to get things done and make it through the ACC tournament What was his mindset when Virginia was at the free throw line where it was do or die if it rsquo s made and the strategy after the rebound What would he [... more]

Shaun Morgan is the Director of Product Marketing at Eventide Asset Management an underwriter of this program IS THERE A NEED TO REBRAND FAITH-BASED INVESTING Shaun Morgan discusses the ambiguous understanding of Faith-Based Investing among investors who consider faith important in their lives Eventide's survey reveals that terms like Values-Based Investing and Faith-Based Investing often lead to neutral or unfamiliar responses suggesting a gap in communication and understanding The term Faith-Based Investing does not resonate strongly with many even those who prioritize their faith A survey indicates a general lack of awareness and understanding about investing terms related to faith [... more]

THE DANGER OF MATERIALISM AND FINDING CONTENTMENT IN GODMaterialism contradicts God's plan for His people by prioritizing the love of material things over loving God This attitude can hinder our relationship with Him and rob us of peace The Bible in Ecclesiastes warns us of the futility in pursuing material wealth emphasizing that everything is meaningless without God LIE LIFE IS BETTER WITH MOREThis mindset leads to an endless cycle of discontentment as no amount of wealth can truly satisfy Ecclesiastes states that those who love money will never have enough illustrating the emptiness of materialism Contentment is the biblical [... more]

Seth Greenberg on the ACC tournament and what he anticipates for the rest of their Washington visit Does NC State have what it takes to beat Duke tonight How far does he see UNC going in this tournament Has anything impressed him thus far about NC State and how they rsquo ve been performing in their last two games Who can Seth see winning the whole ACC tournament as well as the NCAA tournament [... more]

Tripp Tracy Carolina Hurricanes PxP on Jake Guentzel coming to the Carolinas and what that means for this team pursuing the Stanley Cup How much does this amplify the team This is very new for the Carolina Hurricanes to make moves like this so what was the differing factor that helped grab up Jake Will Jake be playing with Sebastian Aho Does Tripp think this could be disruptive in a good way Where does Tripp think Jake will do best on the Canes line setup [... more]

Corinthians So whether you eat or drink or whatever you do do all to the glory of God Chad Horning is the president of Praxis Mutual Funds an underwriter of this program and one of the oldest faith-based mutual funds in the country WHAT DOES FAITH BASED INVESTING MEAN TO PRAXIS At Praxis Faith Based Investing is all about letting your faith guide your investment decisions It's not just about smart money moves it's about aligning those moves with your Christian principles This approach is key for those looking to ensure their investments reflect their values The idea here is [... more]

A recent study found women are far less financially prepared for retirement than men According to TransAmerica men have more than double the retirement savings of women As Peter with Richon Planning and Erin Kennedy discuss there are several factors that contribute to that discrepancy the earnings gap women are more likely to be caregivers and they're more likely to have professional interruptions Further of women do not have a retirement strategy versus of men However women live longer than men they need a retirement plan that accounts for longevity Working with a financial advisor can help you create a [... more]

Brandon Pizzurro is President and Chief Investment Officer of GuideStone Capital Management an underwriter of this program WHAT DOES SEEING THE WORLD TRANSFORMED THROUGH CHRISTIAN INVESTING MEAN Seeing the world transformed through Christian investing means stewarding investment resources with intentionality and a faith-driven mindset Christians approach investing to reflect God's Kingdom impacting areas like sanctity of life human dignity and stewardship of creation It means stewarding investment resources with intentionality and faith-driven mindset Christians approach investing to reflect God's Kingdom impacting areas like sanctity of life human dignity and stewardship of creation HOW CAN INVESTING BRING ABOUT CHANGE Investing can [... more]

Chad Clark is Executive Director here at FaithFi WHAT ARE THE DANGERS OF HAVING A BUDGET A budget while essential for managing finances comes with potential dangers such as idolizing money succumbing to pride and relying more on the budget than on God Idolizing money can occur when constant monitoring of finances leads to an excessive focus on money instead of God Pride can emerge from achieving financial goals leading to self-boasting rather than recognizing God's provision Relying too heavily on a budget may restrict following God's promptings that go beyond our financial plans HOW CAN WE AVOID THESE DANGERS [... more]

If you rsquo re a do-it-yourself investor and not working with a financial advisor you need to periodically look at your asset allocations to make sure you're keeping up with the changing market trends On today's Faith amp Finance Live host Rob West will welcome Mark Biller to talk about the process of rebalancing your portfolio Then Rob and Mark will answer your investing questions nbsp See omnystudio com listener for privacy information [... more]

If you rsquo re a do-it-yourself investor and not working with a financial advisor you need to periodically look at your asset allocations to make sure you're keeping up with the changing market trends On today's Faith amp Finance Live host Rob West will welcome Mark Biller to talk about the process of rebalancing your portfolio Then Rob and Mark will answer your investing questions nbsp See omnystudio com listener for privacy information [... more]

Mark Biller is executive editor at Sound Mind Investing an underwriter of this program WHAT DOES IT MEAN TO ALLOCATE YOUR PORTFOLIO OR REBALANCE IT Mark Biller explains that asset allocation refers to the distribution of investments across various asset types like stocks and bonds Portfolio rebalancing is the process of adjusting the portfolio back to its target allocation This is necessary because different investments perform differently over time causing the portfolio to drift from its intended allocation Rebalancing involves selling assets that have grown beyond their target percentage and buying those that are underrepresented to maintain the desired risk [... more]

You know most of the resolutions we rsquo ve made on New Year rsquo s Day are usually history by Groundhog Day And what folks need to help them keep their resolutions is accountability On today's Faith amp Finance Live host Rob West will talk to Chad Clark about a tool we can use to help us with financial accountability nbsp See omnystudio com listener for privacy information [... more]

Lay up for yourselves treasures in heaven where neither moth nor rust destroys and where thieves do not break in and steal Matthew Ken Boa and Russ Crosson are our guests today Ken is a pastor and founder of Reflections Ministries Russ is executive vice president and chief mission officer of Ronald Blue Trust They're authors of Leverage Using Temporal Wealth for Eternal Gain WHAT IS BIBLICAL LEVERAGE AND HOW CAN IT IMPACT ETERNITY Biblical leverage is the concept of using your current wealth to make a significant impact on eternity It involves investing in God's work around the world [... more]

This year plan a Christ-centered celebration without any of the financial regrets As in so many areas of life parents have opportunities here to set an example Here are four ways you can do that Set a good example with your attitudeTheParentCue org suggests that you do one less thing this year Make family time a priority during the weeks leading up to Christmasstart a new tradition this year One of Rob's favorites is the Jesse tree Go to faithward org for daily Bible readings and printable ornaments for the Jesse tree put the phones downpray together Stick to your [... more]

AVOIDING RETIREMENT PLANNING MISTAKES The most significant mistake is not saving enough during working years A recommended practice is contributing - of income to a retirement plan like a k b or an IRA The earlier the start in saving for retirement the better due to the benefits of compound earnings Relying solely on Social Security is not advisable COMMON ROLLOVER MISTAKES TO AVOID Not adhering to the one-per-year rule for IRA rollovers can result in significant tax implications and a tax for excess contributions Missing the -day deadline for rollovers from an IRA to another plan can result in [... more]

Do you like helping people get their finances in order Maybe you have a gift for numbers A while back we broke the news about a whole new career field that's opening up the Christian Financial Planner Kurt Cornfield is here today to give us an update Kurt Cornfield is Associate Professor of Financial Planning at Liberty University He's also a Certified Financial Planner and a Certified Kingdom Advisor WHAT IS THE CHRISTIAN FINANCIAL PLANNER PROGRAM Seven Christian universities that have offered certified financial planner CFP programs are adding certified kingdom adviser content So students are learning what the Bible [... more]

Accidents and natural disasters are always in the news but we never really expect them to happen to us do we When a freak summer storm knocked out the power around here for many hours most of us were completely taken by surprise You don't appreciate running water and electricity until you don't have them Let's talk about how to be well prepared for emergencies PERSONAL AND FINANCIAL DOCUMENTS Rob stresses the importance of storing original documents securely either in a safe deposit box or a fireproof safe at home and keeping copies on a thumb drive or in the [... more]

When seeking financial advice you should always interview two or three prospective advisors before deciding on one But what questions should you ask them during this part of the process On today's Faith amp Finance Live host Rob West will share a list of questions to ask a financial advisor Then he rsquo ll answer your calls on various financial topics nbsp Find a CKA Questions to Ask a CKA nbsp nbsp See omnystudio com listener for privacy information [... more]

Without counsel plans fail but with many advisers they succeed Proverbs Well as you know we always recommend you look for a financial advisor with the Certified Kingdom Advisor Designation and you can do that by going to FaithFi com and clicking on Find a CKA When you do you'll also find a long list of questions you can ask potential advisors We're going to give you some of them today though because folks have been asking The first thing you should understand is that the type of advisor you're interviewing will determine what you ask And that only makes [... more]

Your first step before making any financial decisions should always be prayer You should invite God to be a part of all your financial affairs and decisions especially now as you begin the process of settling your loved one's estate It is enough simply to pray for wisdom in this challenging time James teaches If any of you lacks wisdom let him ask God who gives generously to all without reproach and it will be given him Romans reveals just how much the Lord wants to guide and strengthen you It reads The Spirit helps us in our weakness For [... more]

As we often say there are only four things you can do with money Live Give Owe Grow Dessert lovers can picture this as a pie Do you remember when you were a kid and your sibling took a bigger piece of a pie The same thing happens with money When one area of money allocation takes a bigger slice another area must shrink Now most often the world makes money decisions or cuts up their pie in this order Live owe grow give God's order is different Have you noticed that His ways tend to be the opposite of [... more]

Do you have a financial advisor Or are you taking advice from your favorite social media platform On today's MoneyWise Live Rob West will explain how the financial ads that may appear to be random on social media are really designed to capitalize on your wants and fears not to enhance your best interests Then he rsquo ll answer your calls on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Did you know that even financial advisors have financial advisors It rsquo s true mdash we all need outside advice from time to time especially when it comes to managing money On today's Faith amp Finance Live host Rob West will help you determine if you need a financial advisor Then he rsquo ll take your calls and answer the financial question on your mind nbsp See omny fm listener for privacy information [... more]

Money plays a significant role in the health of a relationship and life events like marriage and remarriage require us to have honest conversations about finances when we take these steps in life In this episode we're going to spend time discussing the items that need attention when you get remarried There are some common themes and considerations as your first marriage but things like combining finances and joint accounts will inevitably be more difficult when it's the second marriage because you're further along in life and more established financially Combining households can be a challenge when you get married [... more]

Divorce among middle aged couples is increasing In fact there's a new name for the trend grey divorce And according to the journal of sociology after a grey divorce women experienced a drop in their standard of living and men experienced a reduction Which is why Peter with Richon Planning and Erin Kennedy wanted to talk through some key issues you'll need to consider as you plan your new future including -Revisit your estate plan -Examine retirement and pension plans -Determine how your Social Security benefits will be affected -Consider health insurance and life insurance -Consider hiring a Financial Advisor [... more]

These days we have several ways to invest our money but each requires a certain amount of oversight So which option is the right one for you On today's Faith amp Finance Live host Rob West will talk about options you can consider using for your investing Then he rsquo ll take your calls and answer the financial questions on your mind nbsp See omnystudio com listener for privacy information [... more]

Man's ultimate purpose is to glorify God but deciding how we do that can be a challenge Sometimes we need help from a trusted advisor On today's Faith amp Finance Live host Rob West will talk with Rachel McDonough about the benefits of having a financial advisor you trust someone who can come alongside you and help you find your purpose as a believer Then Rob will answer some calls on various financial topics See omnystudio com listener for privacy information [... more]

For more than a quarter century financial advisors have used the rule as a guideline for retirement withdrawals So why change it now On today's Faith amp Finance Live Rob West will weigh in on the debate in which some advisors are saying that may be too high while others don't think it's enough Then he'll answer some questions on various financial topics See omnystudio com listener for privacy information [... more]

Proverbs tells us there is safety in an abundance of counselors And those are wise words in any situation but particularly when it comes to your finances On today's Faith amp Finance Live host Rob West will welcome Rachel McDonough to help us understand how to go about finding wise financial counsel Then Rob will answer your calls on various financial topics See omnystudio com listener for privacy information [... more]

Whenever we're faced with a major life event certain people will have an impact on us and the decisions we make But when you work with a financial advisor who you've built a strong relationship with they end up being there for all of these key events because of the financial impact they have Let's explore some of the things you should be thinking about to make smart financial decisions when you encounter some of the most significant events in your life Here's some of what you'll learn on this episode What do you need to consider when you change [... more]

We always talk about the money side of financial and retirement planning But what about the mental aspect of that big life change Today we'll break down an article written by a Licensed Professional Counselor Kate Schroeder for Psychology Today titled The Psychological Investment In Retirement You might be surprised to find out that many financial advisors actually spend significant time on this side of the planning process and we'll take you through that on this show Here's some of what you'll learn on this episode Few people consider the consequences of leaving your everyday routine behind Why we struggle [... 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]

NC State football vs Clemson football is the big matchup of the weekend and former NC State QB Mike Glennon joined the show to talk about the game how NC State's offense and Devin Leary can beat Clemson's defense How will we perceive the Carolina Panthers if they win Panthers play-by-play voice Anish Shroff joined the show to talk about the Panthers vs the Arizona Cardinals Also Julian Council of the LockedOn Panthers Podcast and Randy Slack of ESPN Wilmington joined the show to discuss the Carolina Panthers NC State football at Clemson football and the struggles of UNC football [... more]

Can NC State football exploit Clemson's defense Chip Patterson of CBS Sports joined the show to discuss the upcoming matchup between Clemson football and NC State football and how Clemson football struggled defensively against Wake Forest football Also Patterson broke down how dominant Notre Dame was against UNC football Learn more about your ad choices Visit megaphone fm adchoices [... more]

Has Matt Rhule lost the locker room Vashti Hurt of Carolina Blitz joined the show to talk about the Carolina Panthers the struggles of Baker Mayfield at QB and how the team continues to support Matt Rhule But Duke basketball coach Jon Scheyer spoke to the media ahead of the start of their season Learn more about your ad choices Visit megaphone fm adchoices [... more]

Is NC State football at Clemson football the biggest game in school history Tim Peeler joined the show to discuss the historical significance of the matchup Also a discussion about the Carolina Hurricanes' pre-season opener Learn more about your ad choices Visit megaphone fm adchoices [... more]

Should Aaron Judge or Shohei Ohtani be the AL MVP Ryan Fagan of The Sporting News joined the show to talk the MLB playoff races Aaron Judge vs Shohei Ohtani and more Also John Ourand of the Sports Business Journal joined the show to talk about the future of sporting events on TV and how streaming services are impacting how fans consume sports Learn more about your ad choices Visit megaphone fm adchoices [... more]

What's the vibe like for NC State football fans this week ahead of their top- matchup at Clemson football Also the Dallas Cowboys get another win this time taking down the New York Giants Learn more about your ad choices Visit megaphone fm adchoices [... more]

Carolina Hurricanes Hockey Is Here Carolina Hurricanes color analyst Tripp Tracy joined the show to talk about tonight's preseason opener but a look ahead and what the roster might look like opening day Also questions continue to rise about UNC football's defense and if they can improve as the season progresses Learn more about your ad choices Visit megaphone fm adchoices [... more]