If you’ve been around long enough, you can remember when fraudulent emails looked as obvious as a big mustache and a monocle marking the bad guys in old movies. However, in the age of AI, spotting a phishing attempt can no longer rely solely on glaring giveaways. ...
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If you’ve been around long enough, you can remember when fraudulent emails looked as obvious as a big mustache and a monocle marking the bad guys in old movies. However, in the age of AI, spotting a phishing attempt can no longer rely solely on glaring giveaways. ...
What would it be like if you didn’t have to worry about money—even in an emergency? For most people, that sounds like a fantasy. But you don’t have to be a millionaire to have financial security (and being a millionaire does not automatically mean you have it)....
When we open the book of Proverbs, we discover teachings that provide wisdom and discipline for people from every possible background. These wise sayings aren’t promises in how we typically think about biblical promises. Rather, they are principles. There are no...
Scripture makes a lot of strong and pointed statements about wealth, and it would be easy to assume that money is a terrible necessity. The truth is that money plays a particular role in society. For example, it allows the farmer or the carpenter to trade for goods...
You might be quick to dismiss the notification on your phone offering to install a software update overnight. It’s common to tap “Remind Me Later” and keep scrolling or responding to texts. You might even justify it by telling yourself you’ll do it next week when life...
What would it be like if you didn’t have to worry about money—even in an emergency? For most people, that sounds like a fantasy. But you don’t have to be a millionaire to have financial security (and being a millionaire does not automatically mean you have it)....
As we develop a lifestyle of giving, we naturally focus on what we should give and how much. What about the other side of the equation—the receiving side? How do we determine which ministries to support? We are drawn to ministries that meet needs we care about, and we...
Email makes sending and receiving documents quick and easy, but somewhere in your inbox right now, there may be a file you would not want a stranger to access. An old tax return, a signed loan document, or even a copy of your driver’s license can be attached, sent,...
Who is the most generous person you know? Is it a friend, a parent, or your spouse? A neighbor, someone you volunteer with, or a community leader? How about your pastor, your grandparent, or even your child? Now, ponder what makes this person so generous. Is it the...
Good estate planning requires gathering all the important information needed for management and final distribution of assets. Here are the four P’s of estate planning to consider. People. People are the most important component of estate planning. Take time to...
Sometimes, in the hurriedness of our lives, we miss obvious things. Maybe we miss the keys we are holding in our hands as we rush about, looking for them. Or perhaps we grab two different colored socks and only realize it halfway through the day. These small lapses...
A friend once loaned his light-duty pickup truck to a fellow church member who was moving. When the truck was returned, something was not quite right. It seemed that the light-duty truck had been put to heavy-duty use. It was never the same after that weekend. Was the...
Discovering that one of your accounts has been hacked can be unsettling. It is also increasingly commonplace. Even people who practice good security habits can become victims. According to the FBI’s 2025 Internet Crime Report, the Bureau receives nearly 3,000...
Author Titus Benton poured a pile of goldfish crackers in front of his five-year-old daughter, and the lesson he learned launched a book: Grip: Let Loose, Dig Deep & Take Hold. Titus and his wife were talking about people in Haiti who did not have enough to eat...
Benjamin Franklin once wrote, “Three may keep a secret, if two of them are dead.” This humorous statement rings true because we know individuals who cannot keep a confidence, even if they want to. But when it comes to deciding who will carry out your wishes after you...
Many retirement advisers encourage you to consider what your number is—the annual income you want to have available in retirement. Identifying this number now can be extremely helpful as you make financial plans to meet that need. Each person’s number will vary based...
One of the most popular Google searches about personal finance is “What is debt consolidation?”¹ Many people who are looking for more information about consolidating their debt are in real trouble and seeking quick relief. Will consolidation help? What is debt...
Next time you gather with your extended family around a dinner table, consider asking this question and seeing where it leads: If you were asked to perform a generous act tomorrow, what is the most generous thing you would do? You are well aware of the differences...
Most people assume they would recognize an investment scam if they saw one. Unfortunately, many scams no longer look suspicious at first glance. Instead, they initially appear professional and sound legitimate. Sometimes they even come through people we know or...
When you make the wise choice to start planning for retirement, you quickly find out there are many decisions to make about how your investments are set up. The world of retirement finance can be a dizzying place. The two most widely-used individual retirement account...
The word “steward” is not common in our vocabulary today. Outside of church contexts, the word likely doesn’t come up in our day-to-day conversations. Yet the concept of stewardship gives us a foundational understanding of our relationship to God and our resources....
On the sixth day, God created humankind, and on the seventh day, God rested. In this act, the Creator of the universe modeled something foundational: Rest comes first. God formed Adam and Eve and gave them the responsibility to steward creation. But instead of...
Credit is such an integral part of our economy that it feels completely natural to get into debt. In some instances, debt seems impossible to avoid. So how can we know if our debt is getting out of control? If we want to diagnose our debt, we need to understand it....
Explore the manipulation tactics scammers use over the phone and via email. You receive an unexpected call from someone who knows your name, your bank, your account type, and even a recent transaction. They sound helpful, informed, and reassuring. Based on what they...
Jo Saxton is an author, speaker, and church planter whose passion is empowering church leaders, especially encouraging women in leadership. She also provides leadership coaching in business settings, where she finds avenues to “influence the world for good.”...
Eugene Cho is the founder and former senior pastor of Quest Church in Seattle, founder of One Day’s Wages, a nonprofit organization focused on global poverty, and president of Bread for the World, an advocacy organization aiming to end global hunger. Eugene shared...
Learning how to be generous can be challenging, and even more so when things in life start going sideways. The most difficult times of stewardship can occur during a crisis. When there’s a blip in the economy or an unexpected financial need confronting us, our...
Generosity should define the life of every Christian, and this is more than Christians being “nice.” As we give freely of our time, money, and abilities, we demonstrate our reliance on a God of unlimited resources who wants to bless others through us. Studying...
App security, device updates, and the importance of downloading apps from trusted sources. Convenience and vulnerability have never lived closer together than they do on your smartphone. In minutes, you can check on your bank balances, transfer funds, or review your...
“I am the true vine, and my Father is the gardener” (John 15:1 NIV). In the springtime, gardeners have a little extra bounce in their step. Whether they’re tending neat rows in raised beds, a small patch in the yard, or a container garden on the porch, gardeners are...
The writer Mark Twain is reported to have said, “I am not troubled by the things in the Bible which I do not understand, but I am troubled by those things which I do understand and which I find very difficult to measure up to.” You might resonate with Twain’s...
Are there times when we shouldn’t be generous? It’s a provocative thought. In your day-to-day life, opportunities to bless others will always pop up. Whether you are out and about in your community or scrolling social media on your phone, you likely regularly...
Though balloons as we know them were invented in 1824, the concept has been around for much longer. Originally, balloons were made out of dried animal intestines and pig bladders. Michael Faraday invented rubber balloons for the purpose of a science experiment, and...
The coffee is good. The Wi-Fi is free. And somewhere between checking your email and logging into your investment account, a stranger on the same network could be attempting to gain access to your credentials. Public Wi-Fi is convenient, but it is also a common entry...
The Messiah’s ministry sent shockwaves throughout Jerusalem. Jesus challenged the presumptions that people had about religion, God, morality, and relationships. One of the most unsettling subjects He regularly addressed with first-century listeners was their...
You chose a strong password. You’ve never written it down. You change it every few months. That used to be enough. It isn’t anymore. Cybercriminals have developed sophisticated tools to crack, guess, or steal passwords. This theft often happens without your knowledge....
Everything on earth belongs to God (Psalm 24:1). Early Christians embodied this perspective by sacrificially sharing all they had, even selling their possessions to give to those in need (Acts 2:44–45). But knowing this does not make practicing generosity (or even...
Imagine a book about your life where each chapter focused on a specific decade. By the time the book ended, you would hope to see real character development. You would not want to get to the last chapter and see yourself mired in the same problems you had in the...
Money is something we all like to have around. In our world, we are encouraged to measure success by our wealth. Investment institutions promise security if we just have enough for retirement. People who accumulate significant wealth are celebrated and admired....
CyberSmart Investor Series: Protecting Your Digital Stewardship A decade ago, phishing emails were easy to spot. Misspelled words. Chunky graphics. Broken English. Those days are gone. Attackers now use AI, real-time domain replicas, and branding kits pulled from...
One of the first casualties of the Fall was humankind’s ability to be honest with ourselves. When God questioned Adam and Eve in the Garden of Eden, they immediately denied their responsibility for their sin. Adam blamed Eve, and Eve blamed the serpent. Most of us...
When a generous person’s cash flow will not allow them to give as they desire, some choose to give a gift of appreciated property instead. By directly donating a gift of appreciated property to a ministry, a giver can reduce their taxes and make a substantial gift to...
The book of Leviticus is typically not included in conversations about generosity. But if we’re to develop a robust understanding of what it means to be generous, we must seek the whole counsel of Scripture, and that includes this often-overlooked book. We are told in...
Giving is often taken for granted as a foundational tenet of Christianity, but it’s worth pausing to consider why we give. From beginning to end in God’s Word, we can see how God constantly provides. In fact, John 3:16 (NIV) begins, “For God so loved the world that he...
CyberSmart Investor Series: Protecting Your Digital Stewardship If you’ve been on the internet for more than five minutes, you’ve probably met him: The international prince who desperately needs your help moving $1 million. He promises to split it with you if you...
When you hear the term estate planning, you may think about wills, trusts, probate, taxes, and property ownership. While those encompass the mechanical process of estate planning, for a Christian, estate planning is about people first—before it becomes mechanical. As...
Everyone wants to believe they will be financially independent when they reach retirement age. But it doesn’t just happen without planning ahead. And in addition to good planning, you need to establish the right habits to stay retired. The financial choices you make...
Christians sometimes talk about the physical and the spiritual as if they were two separate realities—but they are connected. Being worn down physically has an adverse spiritual effect. When we are impacted by illness, hunger, or lack of sleep, it affects our...
Financial habits play a vital role in our lives. The attention we give our finances impacts many of the opportunities we have to grow God’s Kingdom and shape our legacies. When we are intentional and organized in this area, we can best use the resources we have been...
Too often we view stewardship through an “all or nothing” lens: I’m either a good steward, or I’m not. The reality is that our generosity takes place in a myriad of moments. We have endless opportunities to practice stewardship—whether to improve or regress. It’s...
Northwestern Mutual’s 2025 Planning & Progress Study of more than 4,600 adults found that 31 percent of Americans planned on leaving an inheritance for their family or a charitable organization. What should we make of this statistic? Should the number be higher?...
In Matthew 19, we read about a rich man who approaches Jesus with a question about how to achieve eternal life. In response, Jesus tells the man to sell everything he owns before following him. This directive can be hard for us to read. The man had possessions, but it...
Whether we have many resources or few resources, we all have freedom in determining how to wield what we’ve been given. For Christians, there are two general principles behind our decisions of allocation. First, resources are finite; we cannot create them out of...
As debts mount, it is easy for panic to set in. Maybe you’ve gone through a huge medical procedure that has hurt you financially. Or perhaps you’ve let things slide for too long and the payments are catching up with you. When you feel overwhelmed, your first instinct...
No one feels happy all the time. There are plenty of times in your life when you feel tired, concerned, or anxious. You may be ill or dealing with chronic pain. You may feel discouraged or overwhelmed over situations you can’t control—or over situations you regret...
The local church is critical to faith. From a biblical perspective, it’s impossible to separate participation in Christianity from involvement in a local church. The Church was created to provide a glimpse of heavenly community. Unfortunately, some churches fall short...
What is the very best gift you’ve ever given? Wait, you may need to reread that. The question asks the very best gift you’ve ever given—not received. Let’s take a moment to consider. When you think about that experience, why did you choose to give that gift? What...
Jesus, throughout His public ministry, prayed to the Father constantly. Jesus prayed for provision. He prayed for wisdom. Jesus prayed for strength. Jesus spent time with the Father to simply give thanks. Building a life of consistent prayer means building a life with...
Church leaders are not perfect people. Despite aiming to walk in step with the Spirit, they make mistakes. They treat others poorly, both intentionally and unintentionally. They justify their pride and their selfishness. They do not live up to their own standards. The...
Church leaders are not perfect people. Despite aiming to walk in step with the Spirit, they make mistakes. They treat others poorly, both intentionally and unintentionally. They justify their pride and their selfishness. They do not live up to their own standards. The...
The older we get, the more challenging it is to grow. In our youth, growth is inevitable. Physically, most girls grow until the age of fourteen and boys until age sixteen¹. Our brains typically continue developing until our mid-to-late twenties². After the age of...
Setting financial goals can be really exciting. It’s a chance to dream about the kind of life you want to live and the things you want to do. Maybe you have a goal to buy a house or build financial security rather than living month to month. Perhaps you dream about...
Few people would refuse an increase to their income if it was offered to them. We all want to be able to afford necessities and enjoy extras, and many people also desire to be able to give more to the ministries they love. There may be a way to do both—with a...
Many of us are fortunate enough to have more than we need. We may find ourselves asking, “Why has God given me more than enough? What should I do with the extra?” Some people make the case that since the future is unknown, it is necessary to retain all of our assets...
Centuries from now, people may research us, trying to find out all they can about how we lived our lives in the decade of the 2020s. As humans, we will always want to know where and from whom we came. The flip side is that we are also rightly concerned with the legacy...
One day Jesus was teaching in the temple when a Pharisee—a religious leader and teacher—asked Jesus if it was lawful for Israelites to pay taxes. The Pharisee was aiming to put Jesus in a difficult spot. If Jesus said yes, the crowds surrounding Him would become angry...
In 1974, Congress enacted the Employee Retirement Income Security Act (ERISA) to ensure that employees would receive the retirement income employers promised through pension funds. ERISA covered lots of employer-promised benefits, including retirement and health care,...
Picture this: You’ve regularly put away money in your retirement account—through thick and thin—and now it’s time to start thinking about withdrawals. What do you need to know? Once you attain the age of fifty-nine and a half, you can generally make withdrawals from...
A will is a legally executed document that distributes an individual’s property according to their stated desires. Wills can be short, long, clear, or complicated. Not having a valid will can lead to a costly, time-consuming, and relationship-damaging process. Every...
Estate planning and inheritance decisions can be made easier by gathering the right data and information. This data can be organized into three lists—people, property, and plans. People The first list will be the individuals you want to give some type of inheritance...
In Luke 15:11–32, we read the story of a son who asked his father for his inheritance. The father gave it to him, and the son wasted his inheritance in riotous living. We most often hear about this passage as it relates to the forgiveness the father offers to the...
If you are a giver, why is being generous with your financial resources important to you? Maybe you think about giving as a regular act of faith and trust in the Lord’s provision. Maybe you know that practicing being openhanded is an important way you can combat...
Maybe you are ready to put together a will and an estate plan. But where do you start? In the classic film White Christmas, Bing Crosby sings to comfort Rosemary Clooney with the words, “When I’m worried and I can’t sleep, I count my blessings instead of sheep.” A...
One of the most important things a parent can do is develop a plan for the care of their children should premature death occur. Unfortunately, parents of minor children often do not have legal documents in place to cover this care. If you are—or someone you know and...
Is it better to make charitable gifts during lifetime or wait until after death? The answer to this question is different for each individual, as both options have advantages. Here are some advantages to giving a gift during your lifetime. 1. You can receive income...
The French physician, author, and satirist François Rabelais left a bit of humor in his one-line will. He wrote, “I have nothing, owe a great deal, and the rest I leave to the poor.” You may share Rabelais’s feelings as you evaluate your situation. We often hear...
When we read the Gospels, we observe that Jesus saw—with spring-water clarity—into the future. Consider just a few instances: “Go to the village ahead of you, and as you enter it, you will find a colt tied there” (Luke 19:30 NIV). “As you enter the city, a man...
Do you have a giving plan in place? Or do you tend to give only when needs are presented in the moment? Impromptu giving is a great habit, but it requires someone to ask you first. Instead of waiting to be generous until someone presents you with a need, you can take...
When you create an estate plan, you make careful decisions regarding your investment accounts, your real estate holdings, the businesses you own, and your other major assets. But it is also important to consider the smaller things in your household. Disagreements...
When the calendar turns over, many people set goals to achieve during the new year. One popular resolution is to prepare a will or estate plan. Maybe you made a goal to create a will or update your estate plan in 2025 but are feeling stuck or unsure how to get...
Do you remember this old gospel tune? This world is not my home, I’m just a-passing through.My treasures are laid up somewhere beyond the blue.The angels beckon me from heaven’s open door,And I can’t feel at home in this world anymore. As followers of Jesus, we know...
One commonality among all authors—famous or not—is lousy first drafts. Revisions, corrections, and creative additions are all necessary to make our favorite books as good as they are. As followers of Jesus, we aim to live lives of generosity, and this also requires a...
What has changed in your life within the last year? Are your priorities and goals different today than they were last spring? How might these changes impact your plans for the distribution of your estate? Would you want the same distributions as you did when you set...
Federal capital gains tax is assessed on the sale of certain assets, such as stocks, bonds, real estate, and precious metals. And based on where you live, you may also owe state capital gains tax when selling these types of assets. We all think of taxes as...
Have you ever used the phrase “timing is everything” to help explain a positive—or negative—outcome in your life or in someone else’s? As with most significant decisions, when it comes to making a significant gift to a ministry you care about, good timing has...
When making financial decisions, it seems like it would be nice to be able to see into the future and know what it holds. If we knew now what our future financial needs would be, it would be easier to make decisions about saving, giving, and distributing our estates...
“I will give thanks to You, O LORD, among the nations, and sing praises to Your name” (Psalm 18:49 MEV). As stewards, we give thanks to the Lord by giving from our blessings to His Church and to those in need around us. So how do we make sure that our gifts are...
When Jesus shared the story of the Good Samaritan, He was answering a legal expert’s question about the law that commanded them to love their neighbor (Leviticus 19:18). Jesus made the point that the neighbors we are to love are not just the ones who live adjacent to...
Financial literacy is a skill that needs to be developed. In order to successfully navigate life, especially in our modern age, understanding personal finance is as critical as learning how to do laundry or drive a car. So it is extremely detrimental when kids...
In today’s complex legal and tax world, choosing the right professional advisers is crucial. If you have advisers with whom you are comfortable, you are a blessed individual. If not, here are three questions to ask to help you find the right partners. Can I...
Did you make any New Year’s resolutions? Some vow to exercise more, practice a new hobby, or find a more fulfilling career. Others make a commitment to achieve financial goals. Whatever resolutions or goals you set for yourself, in many cases, the most difficult part...
Too often, estates are not distributed according to an individual’s desires. Sometimes it is because of the lack of an estate plan, and other times because the estate plan is outdated. This outcome is regrettable and completely avoidable. The start of a new year is...
Planning for retirement can be an overwhelming experience. There are many retirement accounts and investment options to choose from, and not all of them are right for every investor. You’ve heard about 401k accounts, Roth IRAs, and Traditional IRAs. But what makes a...
The pastor was excited about his message. It was Giving Sunday—the designated day of the year when he was challenged to deliver a message about supporting the ministry of the church. Rather than quoting the traditional scriptures regarding tithing, he decided to talk...
In John 3:16, one of the world’s most beloved Bible verses, we read that because God loved the world, He gave us His Son. Not only does this tell us about the price that God chose to pay for our salvation, it also confirms that God reveals Himself to us, in part,...
We all have the best intentions when it comes to our money, but life seems to have other agendas. Without a financial plan, we’re at the mercy of our impulses and whatever circumstances life throws at us. Many people assume that budgets are for people who struggle...
Elvis Presley had one. So did George Washington, Fredrick Douglass, Mother Teresa, Harriet Tubman, Billy Graham, and Billy the Kid. Even Jesus of Nazareth had one. If you live on this earth until your body dies, you will also have one: the shortest day of your life. A...
Without goals, it is hard to save money or stay financially healthy. By setting reasonable goals and tracking your progress, you can develop strong financial habits and give yourself the freedom to dream about what you can accomplish with the resources you have....
When someone starts talking to you about money, you likely have a knee-jerk reaction to wonder about their motives. This is a wise response; false advertising, scams, and predatory business practices are all too common, and it is painful when we or others we know fall...
Avoid These Common Mistakes When Communicating a Church Building Project Every church construction project begins with a church-wide conversation. How you introduce this new initiative matters. A misstep at the beginning can have serious repercussions that reverberate...
Whether you are building a new church, trying to convert a building into the perfect meeting place, or looking to remodel your current location, it is going to require capital. Sometimes churches are so overwhelmed by the funds they need to come with that they drag...
CityPoint Community Church is a young, innovative church located on the south side of Chicago. Planted in August 2008 with just eight people, the core group of CityPoint united by prayer for the renewal of their community. Demetrius Davis has faithfully led the church...
As a church faithfully lives out its purpose, growth will come. The congregation at Calvary Chapel in Meridian, Idaho understands this will. The church experienced rapid growth in recent years, with weekly attendance nearly doubling from 800 to almost 1,600. During...
What if a church wasn’t just a place to meet but a place where heaven met earth? A space so full of God’s presence that lives were changed the moment they walked through the doors. This is the heart behind Zeal Church—a Spirit-empowered, life-giving community where...
When it comes to creating a budget, many church leaders feel overwhelmed. Not all church leades have extensive training in accounting. While elders and pastors are focused on people and ministry, creating the budget can become an afterhought. Because of its arduous...
When someone asks how you’re doing, how do you typically respond? For many of us, we have a default answer: “I’m so busy!” As true as this reply may be, when “busy” is our default status, it can start to become part of our identity. It’s painful to admit, but we can...