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Why We Give

MoneyWise / Rob West and Steve Moore
The Truth Network Radio
September 22, 2021 5:30 pm

Why We Give

MoneyWise / Rob West and Steve Moore

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September 22, 2021 5:30 pm

The story of the widow’s mite in Luke 21 is a great reminder of how God views giving. But is there more we can learn from this and other examples we see in the Bible? On today's MoneyWise Live, host Rob West talk with Howard Dayton about some biblical principles on giving and the importance of why we give. Then Rob will answer your calls and financial questions from a biblical perspective. 

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21 Jesus says truly I tell you, this poor widow has put in more than all of the for. They all contributed out of their abundance, but she out of her poverty put in all she had to live on by Rob West. The story of the widow's mite is a great reminder of how God views giving but how should we view this here today to help us with your calls and questions 800-525-7000 800-525-7000 moneywise live back to the program. Not only is he the former host but he's also the founder of company's finances God's way, author of several books on God's financial principles Howard great to have you back.

How wonderful to be with Rob Howard.

I know after accepting Christ as your Savior and Lord. You soon face the problem with generosity. That's where I'd like to start today and that maybe you could tell us about that policy Rob my first problem was I didn't want to give and sometimes not give to appear spiritual but my heart just one minute and all that changed when my business partner asked me to join him in the study the Bible to find out what it said about handling money.

We were blown away to discover God's word contained more than 2350 versus dealing with money and possessions. And guess what area of our financial life. The Bible to address more than anything else.

Generosity. Yes, there are literally hundreds of versus dealing with God's desire for us to be generous people so I began to want to be generous and experience the joy of giving. But then I was frustrated by another problem.

An unlimited number of needs and my limited resources mean, how could I decide where to give my my church, the poor missionary efforts Christian radio program such as moneywise, and many other ministries needed financial support. While that's right, and that you know we all face the dilemma wanting to give more and that's a good posture to be and it's a good attitude to have when you say sure with it. You know, God evaluates our actions based on our attitudes and I love John 316.

It really reveals God's attitude toward giving. For God so loved the world that he gave his only begotten son and noticed that sequence because God loved. He gave because God is love.

He's also a giver and he's the one that really set the example of generosity motivated by love and that an attitude of love in our giving is critical. First Corinthians 13 three tells us if I give all my possessions to feed the poor, but do not have love, it profits me what nothing. I mean, what could be more commendable than giving everything to the poor, but generosity without this attitude of love just isn't any benefit to the giver. That's right. And Scripture shows us Howard as you know, in several places. That attitude counts a lot more than the amount to the Lord is not right.

It sure is a 11 Matthew 23.

Jesus is rebuking the Pharisees, who were tithing, but from a legalistic point of view yes and he says woe to you hypocrites. You have neglected the more important matters of the law, justice, mercy, faithfulness, and when you think about it. The Pharisees had been careful to give the correct amount down to the last minute believe in their garden but Christ called amount because of their attitude. He looks past the amount of the gift, and he looks to the heart of the giver and this is really important because we can consistently give out a heart filled with love, only when we recognize were actually given to the Lord himself. Rob, we see an example of this in Numbers 18 verse 24 talking about the ties of Israel that they offer as an offering to the Lord. So it's just not giving to our church or a ministry or a needy person that's only charity. But if we give to the Lord, it becomes an act of worship. It allows us to express our love and gratitude to our Creator Savior and provider yes and what ever we put something in the offering plate.

I really think we should go through the mental process of saying Lord. This is a gift to you because of who you are and what you've done in my life. Yeah that's really helpful. Generosity is a hard attitude and as you said, it's an act of worship will continue to unpack this just around the corner.

Our topic today with our favorite guest Howard Dayton's generosity why we give we can continue to talk about this. Just after the break and it's on to your calls and questions 800-525-7000. This is moneywise live back to moneywise live our guest today is Howard Dayton, founder of compass, finances, God's way Howard were talking today about generosity. This is a subject that I know you get pretty excited about is that I sure do. Rob I love you and see people catch the vision of what giving with the proper attitude can mean not only to them but it's infectious amended convince a lot of people that's exactly right. And as you said just before the break we should give, as unto the Lord, and I'd love for you to stay on this idea of attitude and talk about any other attitudes we should have about our giving year. Rob, in addition to giving with love, were also to give cheerfully. Second Corinthians 9. Verse seven teaches each one of you do, just as he has purposed in his heart, not grudgingly or under compulsion, for God loves a cheerful giver and Rob. It's interesting the original Greek word for cheerful is Hill Ross from which we get the English word hello Larry, yes I mean you have to be beside ourselves with joy over the area of giving. I mean, I hearken back to my early walk with Christ in you notice I was thinking when was the last time I saw hilarity in the pew in the offering plate was path a statement about it. It kind of wood reminded me more of a waiting in the dentist office does not mention or something like that so so how do we develop this polarity in our giving, and will we read in second Corinthians 8, verse one. The account of the early churches in Macedonia and Paul says we want to know about the grace of God that is been given to the Macedonian church to hear their circumstances out of the most severe trial, their overflowing joy and their extreme poverty welled up in rich generosity. I'm working in the pits and suffering extreme poverty, but managing to give with overflowing joy and the answer is in verse five. They first gave themselves to the Lord and then to us in keeping with God's will. Yes, the real key to cheerful giving is to yield herself to Christ.

Ask him to direct how much he wants us to give the places he wants us to give. And then we can just relax and experience the advantages of giving the proper attitude yeah that's really helpful, but you know when we talk about giving we see also in Scripture that there is blessing that follows, but I'd love for you to address what blessings we might expect. When we give cheerfully with the right heart attitude and with love in our hearts. Robin my study of Scripture. I saw three key areas that we received blessings when we give her the proper attitude in the first is what I call an increase in intimacy above all else.

Giving directs our heart to Christ.

Matthew six verse 21 tells us, for where your treasure is, there your heart be also. And that's why it's so important to give each gift to the person of Christ. It draws our heart to him at the second benefit or blessing is increased in character, our heavenly father wants us to be conformed to the image of Christ in the character of Christ is that of unselfish giver.

Unfortunately, as you would come to know humans are by nature selfish and one way we become conformed to Christ is by regular giving. I love what someone once said giving is not God's way of raising money is God's way of raising people into the likeness of his son that is so true God certainly doesn't need our money at all belongs to him. As we well know, but he wants our hearts to conform to that of Christ will what's the third benefit of giving you the third benefit and by the way, I think this is huge is an increase in heaven. Matthew 620 tells us store up for yourselves treasures in heaven were neither moth nor rust destroys and where thieves do not break in or steal, and although it's true that we can't take it with us when we die. Scripture tells us that we can send it alone now to our heavenly account and that is going to be something that we will be able to enjoy forever. It's great Howard. As you know you got these calls when you are the host of this program. We get a lot of folks calling and asking how should we approach the time and I like to say and I know the author, Randy Alcorn is said let's see, tithing is the training wheels of our giving, but you address is for us.

How do we know how much to give. Well, I love the training wheels description that they once again, we can look to Scripture, even before the Old Testament law. There were two instances of giving a known amount in Genesis 1420 Abraham gave 10% of ties after the rescue of his nephew Lot and in Genesis 28 verse 22. Jacob promised to give Laura the 10th of all his possessions of God brought them back safely through his journey and then came the law and the requirement of the law and this was clear crystal clear for the Old Testament believer Malachi 389. Will a man rob God. Yet you are robbing me that you say have a we robbed you and ties and offering so you're cursed with a curse you robbing me. The whole nation of you.

But here's what's interesting in addition to the time there were various offerings in the Lord also made special provision for the poor. Every seventh year. All debts were forgiven every 50 years.

The land was returned to the original landowning families special harvesting rules allow the poor to glean behind the harvesters and God made another significant permission for the poor, and Deuteronomy. It says if there's a poor man with you one of your brothers.

You shall not harden your heart or closure hand from your poor brother, but generously lent him sufficient for his need and what ever he lacks even under the law around the extent of one's giving wasn't limited to a fixed percentage but really it was to be adjusted by the surrounding needs in the New Testament teaches that were to give in proportion to the material blessings that we receive. And it also commands sacrificial giving wealth to be sure the tide is systematic. It makes the amount to give very easy to compute the danger of the tithe is that it can be treated as simply another bill to be paid yes and if we fall into that kind of attitude are right, we just won't be in a position to receive God's riches blessing and I think another real potential danger of the tithe is the assumption that once we tithe we fulfilled all our obligations to give and for many believers in Christ, the ties should be the beginning of their giving the training wheels.

As we said that the limit and we should never ever close our hearts to the obvious needs that we encounter in our path through life, especially these days with the pandemic and all that's happened because of that.

So how much each of you give the answer to that is to first give yourselves to Christ, submit yourself to him earnestly seek his will for you concerning giving and ask him to help you obey what he'd lead you to do and I'm convinced that we should tithers a minimum and then give over and above the tithe. The support prospers us or as he directs us our this is been tremendous. I know it's a subject that you are passionate about and you've really helped us to think about how we give, but more importantly, why we give so we appreciate your sharing this with us today. My friend know my pleasure, our names, but I guess today you can find out more about Howard and his ministry and compass. The number compass here because her next. 800-525-7000.

That's 800-525-7000 number out west your hosting will be right back. Thanks for joining us today, I minimize my West Coast against blinds open taken hold in just a few moments on anything financial apply biblical wisdom to what you're dealing with your financial life. Here's the number 800-525-7000 lines are open 800-525-7000 just a moment ago we were talking to my good friend Howard Dayton, former host of this program, founder of compass finance is God's way and this is an incredible topic you know if you think about it. The gospel story is a generosity story. So what if we were to start their I believe we ought to begin with our giving. Let's not deal with our lifestyle and try to fit all the expenses in and then see if we have something left over what what if we were to say we can reorder our finances and start with her giving and you might say Rob, but I can't make ends meet. As it is well that we might need to cut back. You may need to make some changes and you may not be able to start with the tithe. The 10th but I would say start somewhere. God sees your heart and I think if you build in systematic giving at some level into your finances.

Not only will that get you into the habit of getting but it will begin to allow you to experience the joy that comes with holding what God has loosely participating in his activities and is the author Ron blue and my good friend says it will break the grip of money over our lives. No giving has a way of loosening monies grip over us. If it has that in your life.

So start somewhere and then I think it's only to be a matter of time before your reordering your finances to do it even more.

But let's deal with that down the road just get started today okay alright let's start fixing calls today.

Here's the number again 800-525-7000. We got a few open. We'd love to hear from you to begin in Missouri today. Hello Larry, how can I help you sir, I will yes you are, you go right ahead so okay that my wart. He immediately lies why am I getting hours that I will never get back for money to solicit related yeah yeah well it's a great question and I think the starting point for acknowledging why we work is to recognize we were created to be workers right that you remember Adam in the garden with in in the perfect garden before sin entered the world. Adam and Eve were workers their first or one of the first assignments was to name the animals and so we are to be workers know God is a creator and we were created to be productive and to take God's creation and improvement intend to the field and name the animals and improve the creation in such a way that it gives glory to God, and we experience the value of being productive. That's just how God wired us. In fact, we see that all through the Bible that we are to be workers and to focus that way I would reference Genesis 319 by the sweat of your face you shall eat bread, till you return to the ground, for out of it you were taken for you are dust and to dust you shall return. So by the sweat of your face you shall eat meeting where to work.

Paul says in first Thessalonians 3.

If anyone is not willing to work, let him not eat and then Colossians 3 is a seminal verse in this area. It says whatever you do work heartily as for the Lord and not for men. And so I think the opportunity we have Larry is to take our gifts in our abilities and her passions where those all intersect and use those for God's glory. But here's the key. We have to work and serve an audience of one. And that's the Lord himself and soon whatever you've been called to do it as unto the Lord, which brings him glory.

And that's our chief end is to in fact work now. As a result of that work in toil comes provision. It all comes from God, but through that work is a way that he provides from for us through our employers, which gives us than the resources to not only give back to him and participate in his activity, but also to cover our needs are. Expenses provide for our families, which is also very biblical. So I think often we can get our priorities out of line and we can work only to achieve a certain status or to find value in our work as opposed to the Lord and that's where we get it wrong. When we take our cues from the world, but if we go back to the biblical model of why we were created and to what end, and this idea that we are to be productive and that were to do it as unto the Lord does change things quite a bit and I think it reframes the whole idea of work for us but give me your thoughts. Larry does that make sense. It's very which is very true and very real. It's just it seems as though you were you is usually a waste of my life came to be anything of it not give me happiness and I want to be meaningful online though order to continue that subtle happiness or contentment. I have to work and I don't want you yeah well let me let me reframe it this way, perhaps, I think you need to start as we all do on her knees and safe Lord, give me a vision for how I can be used right where you planted me today and as you go to work. Don't look at it necessarily as the what you're doing, but the why and the how how you go about your day. How do you bring glory to the Lord in whatever task or service you are providing and how can you use that in the relationships and the people you encounter to bring glory to God and perhaps even share your faith through being excellent with your customers and serving your vendors really well and looking for gospel conversations where you can share the love of Jesus and do what you do, as unto the Lord, which brings him glory. And that's enough in and of itself, so I would say asked the Lord to give you. Perhaps a fresh vision for why you're working and how he can use you right now and I will join you in that prayer.

Larry, that's an exercise we all need to go through.

I'm not just talking to you and talking to myself as well but I appreciate your calling. I appreciate you asking an honest conversation or question, and I hope that to God's word, at least has shed some light on that today. May the Lord bless you folks a lot more ahead on moneywise. I would love to hear from 800-525-7000 stay with us will be that much more right after this year along with us today on moneywise. My biblical wisdom for your financial decisions around West euros. We got slides open. I'd love to hear from you.

Whatever's on your mind today financially speaking I will try to apply the biblical principles we learned from God's word to your financial situation. Here's a number 800-525-7000. That's 800-525-7000.

If you haven't downloaded the moneywise app in your app store. I would love for you to do that today. Just search for moneywise biblical finance. Here's why we got a major update that's coming out next week. I'm really excited about it. In addition to a complete rebrand of the app itself were introducing two additional methods of managing your spending. Right now we have the digital envelope system where you fund your envelopes out of your checking or savings accounts based on your real-time balances and then you automatically allocate your transactions to those envelopes you can see what's left and that's great. But for some people. They say I don't want to go that far. I just want to create a monthly plan, and I want to track against it, and I wanted to start over every month while working to have that method of tracking your spending and then will add 1/3 attract only option for those of you to say I want to create a plan. I just want to know where my money's going. I just want to track it by category and that'll be there so you have the digital envelope system or the planning track or the track only. You'll be able to switch between the three. As you progress through those levels at any time, and I'm really excited about it.

It's the only offering out there that allows you to have three different styles of managing your spending so hopefully we can find one that fits your unique wiring and now you want to manage God's money. Here's the goal we just want you to stay on top of that, so you can be a better steward of what God has entrusted to you. So head over your app store and then look for moneywise biblical financing you can download it today are and had to the phones 800-525-7000 and is in Homer Glen, Illinois W MBI go right ahead in half so I didn't really appreciate it hanging? Should we count on our continued banking account out or keep money out of assets from attack market account.

Can you let me are really wanting to get in which it paid down the principal on on-air primary home okay very good that some of the situation without so where coming close to the end of the lease with our condo that were banking and meet all $32,000 on that kind out the market at an all-time high. I didn't know if we could take it manage accounting during this time on the cutting in approximately 10 years my husband would like to retire primary on earner in our family and validate his job position is going to change soon he making a very good salary right now that we had and I know and that is what can you be making going from the contract position. He emergency working for the company directly about conversation yet though. With that being on. We also have that and and in the stock market and on I and feeling a little leery about what is up ahead and wait for the stock market and I didn't know it back to hold onto the condo because we don't seem to have trouble ranking on and really have many coming in it. We cut money from that stock account and we paid off the kind out and then we would have managed to either Spain or put toward primary mortgage.

I that's one scenario or we think. It might take as long as you know, 19 years if we sold sold the condo at what we thought we can get for it. In today's market. In 1919 years Frank Q actually not backtrack thank him by ranking so I'm just wanting your suggestion and ear create your creative Jesus to help us out on painted painting apart for sewer line appreciate the background talk to me about the condo you said you have not had trouble renting it out and when it's rented out. Is it enough to cover the mortgage and give you a little bit extra to either put aside for maintenance and repairs or provide some supplemental income right so I can't get you an exact dollar amount that you answer it now. It hadn't been able to cover all at bat when it had been able to cover a deep mortgage, and on mostly everything that goes into a yearly caught including unification peak. We probably pay out-of-pocket on a monthly date on no more than $50 to help cover those expenses now like a thinker coming to the end of the year where the tenants are currently on planning and moving out that we are on increasing the rent because were trying to go with it. Time can we see where we can on Wheeling Creek in Bangkok. The site and market it according to what what kind in altar call for rental prices are very high right now. In addition to selling prices. I guess that's my you know perspective on it, is that if you all don't mind the work that goes into it and obviously with a condo.

It's a lot less the work of a single-family home where you have got of the surrounding area outside and hefted you deal with keeping up with a bit more like the roof and the landscaping and all that with a condo. It's a bit more self-contained and as long as your expenses are being covered. You have the opportunity to quote and quote let somebody else pay off this mortgage for you and you keep your stock market assets intact, which is long as you got a 10 year time horizon and in his that's kind of the situation or would his retirement be quicker than that. We know where approximately 10 years before he retired me. We hear he making contact work on significant amount of money that hit helpdesk to pay off all of our debt and we know that this transition is going to be lack the money and we are wanting some I guess you could say financial market in which we don't think we will have it on and when you make it on emergency working for the company directly on which we thought about many different scenarios we did greet recently refinanced back at the beginning of this year and in doing so we refinanced for 18 year mortgage knowledge and at that time all of the P they put into our mortgage which, with an additional $12,000. We were hoping to take the money that we received back from refinancing to put it down on the primary mortgage to help reduce it for That we haven't been able to get back and spend a great blessing to have all of the nano outstanding balance 50 paid off because it hanging over our head for some time that we feel extremely black but we also beware of the how we might have been racking around and I delete we see the different scenarios that we having fun at night and in part and savoring money out of the stock market and playing back down to paint handout that they sure okay let's do this. We got had a break, but I hear your situation.

I want to weigh in with my final thoughts and I'll do that just on the other side of this break is more to come in moneywise lives there with us in the moneywise live around West euros taking her calls and questions today on anything financial before we go back to and in Illinois. Let me remind you do what we do here in moneywise live as a result of your faithful support but would you consider a gift would certainly be grateful you can head over a website. Moneywise, just click the donate button and thank you in advance and is in Homer Glen, Illinois, and is said she and her husband are wrestling with this idea of taking and appreciated. Highly appreciated condo, along with the rest of the housing market has done well. They've had it rented out successfully.

The what they bring in through the rent covers the mortgage and the other expenses, give or take $50 on a given month, but they got assets in the stock market. Wondering about the performance of the market moving forward forward and because of the change upcoming in her husband's working situation. Wondering if it's time to pay off that mortgage and and I guess I would say you know if you really have a conviction of being debt-free and it would give you a bit more peace of mind, especially given the uncertainty around your husband's change in job, you certainly could do that and I would want to make sure you understand the tax implications pending on whether and what type of account. This is coming from, but it would allow you to pay off the condo know that it's free and clear which would free up a little bit more money to allow you to hopefully throw off the little bit of income every month that you could use to replenish the money that you've taken out and perhaps if you're right in the market pulls back, you're gonna be reinvesting in into the market in a time where you're buying more shares with the same amount of money because stocks would be a bit cheaper. At that point, but this really isn't going to solve any shortfalls that you might have on a monthly basis. As a result of your husband's reduction in work because you're not counting on this income right now. So if his job change is going to result in you all having to restructure your monthly spending bill other than perhaps this freeing up a bit more money that you could use to supplement that Juergen have to make those changes anyway so I really could go either way you hanging on the mortgage and letting your renters essentially pay it off over time and preserving your investment dollars more because of this upcoming job change if that little extra margin that you would have by not having to cover that mortgage each month would allow you to balance the budget and you have a slightly more margin than I think that makes a lot of sense to me, and using the stock assets which by the way, are also highly appreciated. I suspect, given what's happened in the market of the last couple years you know that that can probably make some sense you follow thank you I appreciate good alright well II think that's at least what I hear in your voice is to say, you know we got changes on the horizon. We feel like were to be squeezed a little bit because of his son, his change. This would give us. Perhaps the margin we need. And so I think for that reason, it makes a lot of sense but we appreciate your listening and calling. Thank you for your kind remarks and let us know how it turns out, let's head south to Florida hi Eva, how can I help no question in mortgage okay you want to do that in the mortgage but you want to be a great event marketing for each unit. I kneel off the household and micro right now.

The property ain't got the same because we got more equity in the house.

Now that when we die because they think I might think what I did thousand. Well, it typically would only re-amortize the loan when you're putting down a lump sum toward the balance and then you want the payments recalculated based on the new lower principal balance, and typically the reason someone would do that is because they're trying to reduce their monthly payments. In this case if if all you're trying to do is recognize the appreciation that has occurred and drop the PMI the private mortgage insurance. You know if you can get an appraisal showing that the value of the home versus the mortgage at 78% loan to value of the few percentage points below the 80% threshold than they should pull that PMI office owes it's not an FHA loan. They should pull that PMI off automatically without a re-amortization so I guess that would be my question is why does he sense the need for a re-amortization will become all he want to be comfortable yet something right now we pay extra every month we paid 500 think about every month. Okay, so that's good.

And so re-amortization a re-amortization really is and to help you because although the minimum would be low for you guys are paying more than that. Anyway, if you paid a lower amount. It's gonna take it you can end up spending more in the way of interest. What is your current interest rate even on this mortgage for okay alright so when you said you're only two years into it and it's a 30 year mortgage okay yeah it's not gonna make sense for you all to refinance at the cost is going to be prohibitive and you're not getting get enough in the way of a venture savings and it did. I think given what he's trying to accomplish. You don't want to cut it to a 20 or 15 year mortgage because that's gonna push the payment up considerably higher. So again, a re-amortization is gonna save you some cost because it doesn't involve a new loan and it's good to get that into that minimum payment down but that's only going to help you if you get into a pen so you could certainly pursue that.

Just so that minimum is lower, but I would say no matter what you do, whether you re-amortize or not I'd keep sending the extra money as you're able to now so that you can get that money going to principal and that's can help you pay it off quicker and save interest over the life of the loan, whether or not you re-amortize just as a function of whether or not you want that minimum payment lower than it is today. I hope that helps. We appreciate your call today. Aubrey is in Austin, Texas hi Aubrey, today, to a gravedigger and heads are my retired educator and my wife is also retired. She 65 and I'm 71 and add and we lived on the 80 1010 plan that the 30 years would been married and that we recently sold some of the rental property and have been in excess of $500,000 in assets from that and I also have 401(k)s Brittany: three being spread out about $400,000. My wife also had about 300, 400 and 401(k)s and we with the grace of God become debt free and with time trying to figure out what to do with our resources now.

Terms either investing savings that currently exist in an and regular savings. Okay, very, gets well I think that 80 1010 has served you well for our listeners what he saying is that Aubrey and his wife is lived on 80% of their income.

They've given tenant save tenant as a result of that they've done quite well. You've obviously lived modestly you prioritize getting out of dad and those are all biblical principles and end in a year and a really strong position.

So I think the next thing Aubrey is perhaps to visit with a certified financial planner. I'd recommend somebody who also is the certified kingdom advisor designation to do some planning and part of what a CK will help you do is I think you're right to really define what is our financial finish line. You know how much is enough, both in terms of lifestyle, which you probably Artie define that because it sounds like you been living modestly, and I don't hear in your voice or wanting to add a lot of overhead within a second home or you know anything significant there, and then how much is enough. With regard to your balance sheet meaning.

What is your ultimate savings goal now and down the road, and maybe you know you basically you'll have that number in place and and then it's just a matter of wisely managing that money moving forward, which I think that's where an investment professional could come in. That builds a portfolio that recognizes okay you guys may not need much more so therefore you can take. Not a whole lot of risk be very conservative but still try to seek a proper return on this money because you know with inflation which is been climbing lately you've seen that in the grocery store and and in a variety of places. You're losing purchasing power on this money by just leaving it in a savings account so the question is, how should it be invested not taking any more risk than you need to, but also recognizing and it should be growing over time. That's part of good stewardship and I think the other thing that that financial finish line will tell you Aubrey is how much you have to give away. You may find that you've over accumulated maybe not, but you might have and if so, perhaps you could start to do some giving and really enjoy that in this next season of life. And so I think all that comes down to first planning what is the plan moving forward. Are you overfunded are you right on track or are you still behind. And then secondly based on that plan.

How should then you manage this money moving forward, including both what should be in emergency reserves and then beyond that, what should actually be invested and how does that make sense to you finding someone you can trust without the scams going on in all the charlatans out there with weird workout you know conservative, very conservative and just wondering you know someone we can trust and Zoe will end up losing what we've accumulated during this time to help guide and kingdom building. Yes, well, totally resonate with that and that's why we trust here moneywise media the certified kingdom advisor designation so this is gonna be a professional both in the planning area and in the investment area that's met high standards, both in terms of experience, training, and biblically wise financial advice pastor and client references a regulatory review character statement of Faith code of ethics mean there's a lot there and that gives us peace of mind to know that this is a professional, you can trust.

So head over to our website moneywise click find a CK in either view two or three there in the Austin area to find the one that's the best fit for you. We appreciate your call today serving the Lord bless you as you seek to be found faithful with his resources. Marianne used down the line. I know you been holding patiently. I want to get to you. Fear, unfortunately, were out of time today. Moneywise is a partnership between Moody radio and moneywise media so thankful for friends of Moody policy. Thank you, dad, Amy, Jim, today, thank you for being here is welcome back.

Join us tomorrow if I'll be here to see it encompass

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