Marketplace Evangelism

Vision March 16 Jesus gives his disciples the great commission and he said them go into all the world and proclaim the gospel to the entire creation as followers of Christ we have the same calling now sure the gospel wherever we go to the marketplace today Pres. Rob West shares his thought your call at 805 7800 5257 Market Pl. evangelism the gospel with those who don't yet know Christ but a business people I think are really unique position to do that, wouldn't you agree, I absolutely would Steve not only do that, do they come into contact with many different people I'm talking about Associates, customers, vendors.

But while doing that they can make a strong witness for Christ. I don't mean by proselytizing necessarily, but by always acting with absolute integrity and honesty and by showing respect and concern for others. You know it's probably no coincidence that the Hebrew word Avenida means work, worship and service so the idea that we can worship God while doing our work is actually embedded in the name avid meaning today perhaps applications that with exactly writing in the Bible is very clear in supporting that idea.

EL from the very beginning Steve we were to be workers even before the fall of man that we see work referred to as a gift and generous Genesis 2. A gift from God and Ecclesiastes 5 were also commanded to work in second Thessalonians 310. In fact work in its different forms is mentioned more than 800 times in the Bible more than all the words used to express worship music, praise and singing combined. Let's let's see, let's hold me down on the specifics for people who are in the marketplace today. Buying and selling only what we find there while we find that business people have a unique platform or pulpit. You might say for leveraging their kingdom influence. Let's go back to God's word, this time in the New Testament when Jesus called the 12 disciples, many of them owned and operated businesses as tradesmen and commercial fishermen, then let's look at where Jesus spent his time of the hundred and 34 appearances 122 of them are in the marketplace.

He also told a total of 52 parables and 45 of them had a workplace context. Now let's look specifically in the book of acts of the 40 divine interventions recorded their 39 were in the marketplace. So if the Holy Spirit and the apostles knew the value of witnessing in the business world. Well I guess we should to. But we really see the value of marketplace evangelism throughout the Bible in Hebrews 11 we find what's often called the faith Hall of Fame listed there are the many who were saved by their faith, including able Abraham, Moses, David Samuels there. Rahab the list goes on. Now they were all business people as we define the term today, but they all use their position in dealings to influence others around them. For God only one of them was actually a religious you might call professional. What you been doing your homework. What about the today in the modern world, we have examples of business people using their influence to lead others to Christ in these times we certainly do the countless examples.

In fact, of God's people using their marketplace influence for the cause of Christ in his book, you'll know it.

Steve God owns my business as Stanley Tam writes this, and I quote although I believe in the application of good principles in business. I place far more confidence in the conviction that I have a call from God. I am convinced Stanley says that his purpose for me is in the business world. My business is my pulpit" but we also see this demonstrated by well you could say the green family at Hobby lobby. The Kathy family at Chick-fil-A. Even the balloons you know that story, they were the owners of for correct craft.

The Barnhart family. I was just with Alan Barnhart the other day, owner of Barnhart Crane and rigging to give away millions of dollars.

And of course let's not forget Archie Letourneau is often cited as the most inspiring Christian inventor, businessman and entrepreneur. The world is ever seen. He is given a million students spreading the gospel around the one of all of the world and of course Steve, as you know, the late Larry Burket was very successful as a businessman as well and I he was the author of business by the book which lays out all the principles that's right, it's a key opportunity for people business opportunity to affect the financial wealth you leave behind could be the best thing that ever happened to your loved ones or the worst in splitting hairs.

Given your money and things to your children without ruining their lives.

Ron blue explains why it's important to make these decisions now, instead of forcing your heirs to do it later. Splitting hairs will foster a real appreciation for the precious resources that God has entrusted to you, and it's available. Click the start button moneywise live.org when it comes to investing guidance you want advice, grounded in God's word.

That's the approach offered by sound mind investing. SMI has helped tens of thousands of Christians acquire investing wisdom and confidence.

Regardless of your investing experience or how much you have to invest can learn to be a wise and faithful steward in the area of investing a short video webinar on profit and peace of mind is available now sound mind investing.org. The question wrong in you could lose your life. Let's get started now believe I would wait a minute. I think the wrong show here.

What makes you think that will will I wanted to win $1 million, not lose my way. Let's get started and keep in mind the question wrong, you could lose your life, reprising a good ankle to my spouse and I think the charity is I don't know. Trust Jesus as Lord. 10 nine Jesus is raised from the something to think about your friends at Moody radio.

If that is robbing you of freedom and peace of mind. Christian credit counselors can help where a nationwide nonprofit counseling organization has helped over 3000 individuals in the last 27 years get out of credit card debt 80% faster while honoring that debt and phone to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors.org or call 800-557-1985 two moneywise. Live your hostess around West Warren calls anything financial 800-525-7000. We have a number of open lines. Not sure why. Maybe it's just because it's Friday so if you been trying to get in. Give us a try. Today is a good chance 800-525-7000 now for just a couple of minutes were talking about something that's often referred to as market place, evangelism, and when I said, here's your opportunity to be a preacher if you're in business. I wasn't thinking that you would necessarily have a an altar call over the counter of the ice cream shop where you work, but that just by the way you treat other people being honest. Following God's biblical principles when it comes to how you treat coworkers, vendors, customers, even your competitors.

Would you agree well it's exactly right Steve, we had the opportunity to be salt and light be difference makers in the world be the hands and feet of Jesus and be known by the way we treat others so that others looking on will say something different about that person him or her and want to know more, or perhaps even somebody going through a difficult time that might reach out to you because they know you're a person of faith and at the appropriate time might give you the opportunity to say, can we pray about that or can I encourage you by reading you what the Scriptures say about this particular issue. Just pray that the Lord would give your eyes to see in an openness to be used by him in whatever capacity that is and I think you're exactly right Steve that starts with really being of the utmost reputation of having the utmost integrity and honesty and working with diligence and excellence in all that we do and I will go into any details, but I can tell you for a fact that the late Larry Burket and also Howard Dayton, author, teacher, the founder of compass finance is God's way. Both of those gentlemen told me stories of reaching out to competitors and going the extra mile with competitors and what how that flabbergasted the other person that I competitor tell their competitor saw that that a competitor would reach out and go the extra mile as a competitor, but if you really believe in your heart that God's in control of you, your business, your future, then a competitor takes on a different definition.

Not exactly right when we recognize that God is our provider not our customers, not the industry were and not even our employer or the US government.

God is our provider and so therefore we are responsible to him how we play to an audience of one, which means we're free to just serve others as opposed to trying to necessarily always be focused on winning business. That's ultimately up to the Lord, that we need to do our part but I think ultimately we need to be focused on being in service to those around us, as opposed to anything else. Amen. Again your calls next on anything financial that you may be wondering about give us a call 800-525-7000. We have a number of open lines. Let's begin by going out to Wisconsin. Deborah is a little little chilly up there today in Wisconsin. Pretty mild it in the high 20 below right side and about 6 inches of snow.

It's mild up there around the high 20s buddy outside recently is pretty chilly here in Atlanta. I think were actually in the 30s but yeah it's a little different than everything is a matter of Deb's on your mind. Well, my mom passed away and left some money both in life insurance and then also a Vanguard account that being shared by myself and or siblings, and I'm wondering what to do with that money in my current life situation. Yes, let's walk through that event. First of all, I'm sorry to hear about your mom's passing, but I appreciate the way you're approaching this because whenever we come into any money. Ultimately, it all belongs to the Lord. But now you're the steward of these resources. The question we always want to ask is Lord, what would you have me to do. Now the good news is he's laying out principles in his word more than 2300 passages in the Bible to do with money and possessions and net worth, and so we can look to God's word to inform how we should think about it, but at the end of the day I'm going to ask you Deborah to really come before the Lord and say Lord, give me wisdom to know how to manage your money and to use it in a way that aligns with what's most important to me and on your heart as well because we want to find alignment with our values and our money so that we can use it in a way that accomplishes ultimately his purposes. Now, as we kinda navigate the priorities of allocating God's resources. I would always start by saying what giving do we want to do.

And any time you come into a windfall. I think that's the first opportunity you have is to say, Lord, would you like me to put a portion of this back into circulation in the kingdom. And if he does, you could give it directly or you could use something called a donor advised fund which is think of it like a charitable checking account if you will that you can use it to give money away as the Lord leads beyond the giving. The next thing I would look at would be any savings. Do you have an emergency fund of 3 to 6 months expenses and if not, I would start by replenishing or funding that particular emergency reserve in an online savings account where it's safe and secure and available if you need it. But beyond that I would be looking at consumer debt that you might want to pay off which is going to be a guaranteed return equivalent to the interest rate that you're paying. So certainly if you have credit card debt as long as you fix the problem that got you there in the first place. If there was one that I'd look at the opportunity pay that often even other consumer debts like car loans or student loans. Once that's in place, then I would be looking at whether or not you've been systematically funding long-term savings we would typically refer to his retirement savings and evaluate your readiness there and then lastly, I would be thinking beyond all of those things about any other short-term or medium-term goals that you have are you looking to buy a new car to replace one that set beyond its useful life or are you looking to buy a home, and therefore you need a significant down payment. So, given some of those things that I just kinda walk through in priority order. Tell me where you're at and what sounds like it might apply to you. I think I'm toward the last half of what you are saying.

I do not have that. I do have saving about and then about 75,000 and and retirement account. My heart does need to be replaced. Actually I need a car that will maneuver in the snow and then housing is a question that I have because I'm temporarily living on site at an outdoor center where I work and live. But this summer I will need to find my own housing sold my house about three years ago and so some actually all that money is was put in savings.

Some wondering at my age. Should I be renting looking at a condo. I don't know if I want to be in a house because I'm single and taking on that responsibility on my own. Yes. Yes.

So if I understood correctly.

In addition to the hundred thousand you have about 75,000 and retirement accounts.

What you also have in savings. That was the proceeds from that sale a few years ago, I have between them at a local bank and then another in an account about 165,000. Okay, so with the hundred thousand dollar inheritance of about 265,000+ your retirement savings correct okay right and are you actively contributing to your retirement account okay well, and given your age of 62.

I would just make sure that you have a plan for what you're going to do to supplement guaranteed income sources, namely, Social Security, and anything else you're expecting, so that you know how you gonna fund your lifestyle. If the day comes when the day comes, you can no longer work for pay, you may be planning to continue to work for the foreseeable future.

And that's great. But if you if there's a point at which you want to be able to stop working, you need to know how much your savings goal is to be able to generate that amount of income to cover your lifestyle.

The good news is your for all intensive purposes debt-free.

I think we just need to prioritize the use of these funds moving forward.

I would look at the opportunity to first of all make sure you've got that six months worth of expenses in the savings account and then if you need to replace an automobile. Let's do it as economically as we can. But what's going to earmark the amount to buy that with cash were not doing it with debt and then with the remainder I would look at fully funding your retirement account options each year. Whether that's through 401(k) or an individual retirement account, an IRA and then beyond that, we gotta consider the housing option. I think you're right. You need to look at both the upkeep and the overhead as well as the cost if you can buy something that you plan to stay in for some period of time. That's reasonable, maybe a townhome something that you can own and build equity in using some of these funds that you have and it fits with your lifestyle and the amount of upkeep you want to be able to cover then I think that's great, but I don't think there's anything wrong with renting necessarily Deborah if you want a little bit more flexibility because I would only want you to buy something if you really thought you could stay with it for a long period of time, and I think you're right. Being a single woman who's you. Don't be entering the retirement years. In the next decade. Let's say you making sure you think about the upkeep that's appropriate and that you're willing to do is really really key, so I think you're on the right track. I'd certainly be comfortable with you buying something small that fits into your budget and I like the idea of you trying to stay debt-free throughout all this, Deborah, thank you so much for calling us and we wish you the best and thanks for listening to moneywise live Rob West that Mary wants to sign up for Social Security read as wondering what kind of budgeting software is out there is perhaps yours 5257. Do you know if you have enough money of house. Do you know how much is enough. If not, one blue can help with this book. Master your money a step-by-step plan for experiencing financial contentment. Learn how to save and invest and give wisely, how to create a long-term financial plan and how to get out of debt. Find it all in master your money by Ron blue available when you click the start button moneywise live.org click and sharply to match the line with a quick way you chapter 18. You do not look down on one of these little ones. For I tell you that they're wasting my father in heaven like you and I have heard called Guardian Angels Angels that are certainly not God to bring protection Bible trivia contest or anything guardian angel is never use that phrase we would ever see in Scripture absolutely we would find in Psalm 91. We may find Matthew chapter 18 in verse 10, I believe we can fairly accurately everything the angels who are assigned we know where children are concerned. And I love looking continually going to let God continuing to look at looking for the least expression where we are concerned with many people adopt an attitude toward marriage and finances that it will all work out somehow. But sadly, it often doesn't financial woes can devastate a marriage but there is a better way. God's way, money and marriage God's way by Howard Dayton will help you discover God's approach to growing your finances and strengthening your relationship with your mate and cultivating godly joy, money, and marriage God's way is available when you and moneywise live.org Florida, Texas, California, Washington, Cleveland.

That's okay to give us call 800-525-7000 would love to chat with you today. Brad is in Florida and you're wondering about budgeting software bread write what you trying to accomplish. Bread church married about six months ago my wife and I would work out about it on paper where boy do I have an answer for you breath. Actually, until the beginning of last year's about a year ago I would have gone through the various apps that are out there on the market, but I would've said you know there's not one that's perfect that mean they all have their shortcomings but then last year we took it upon ourselves to build our own app. Based on everything I had ever wanted in a digital envelope system up and that's exactly what we have. So it's called moneywise biblical finances on all the app stores the Apple App Store the Google play store.

There's even a web app to go along with it if you'd rather use a modern browser.

But here's what it does you connected to all of your financial institutions you set up your funding accounts so it will download your transactions automatically.

You build your budget using the tried-and-true envelope system that goes all the way back to Larry Burket where each budget category is essentially a digital envelope you fund those envelopes, which can be done automatically every month.

Time to your paychecks and then as the transactions come down from your debit card or your checking account. You can either enter them manually if you want. You then just allocate them, which by the way, to learn over time where they go and it'll do it automatically, but they get allocated to the envelope which just reduces the amount available until it's funded again.

So at any given time. You and your wife could both open the app and see where you stand and every one of your envelopes so it's a great way to not only set up your budget and plan month-to-month, but also to track your spending as well because if you come up with the best budget in the world and stick it in a drawer doesn't do you any good. You have to be able to tell at any given point in the month how my doing and when do I need to stop spending so take it great budget buster category like eating out yet.

If you decide you want to be able to spend $200 a month and eating out. Well, you'd fund that would say twice a month.

$100 goes in that every time you eat out, you allocate that into the envelope. It reduces what's left, but here's the key. When it's gone.

You gotta stop but at least you have that information so you can make that decision. So go download it today. It's called moneywise biblical financial find it in your App Store.

And here's what I'd like to do for you, Brad. If you hold the line will get your information and I will make sure we enable a pro subscription for you for the next six months which will allow you to download and categorize those transactions automatically. Brad would lead you through today and we wish you and your wife of the best as you move into the first year of your marriage, and I think this is going to help you. You're going to love this budgeting software that's moved to Nebraska now. Hey Mary, what you question for Rob West hi there, thank you for your wonderful program it here biblical and finance typewritten account Mary Pritchett and then I wanted To security. I've heard that my husband. He is greater than mine I could find I have to and I wondered if that is true and I have a call into defense of care to people in Nebraska.

They're doing appointment cultivating my money and my birthday out. I underwent a dime wondering. Well if I can find that early, will there be a deduction on my first matter how I take it whether it but I claim On the loan on how I like to get all bad out and all gels have I do I need document in front of me when I take on call on Monday for the appointment yes okay very good with a lot of moving parts there. By the way, happy early birthday to you is turning 65 next week. That's great so couple of things said they would get through these if not will it take you best get a hold to get to after the break. First of all, you can only claim one. What you want to take the higher of the two either half of your husbands or your own. Let's do this to him and ask you to hold the line so I can answer the rest of your questions will do that right after the break and be sure to cover all stand aligned Mary, this is moneywise live Rob West times. How should we as Christians think about investing. What if we could invest our money in a way that aligns with what we believe that Eventide we believe it is possible to love God and love our neighbor in the very practice of investing redesign investments for performance and a better world so you can invest for the future with a sense of wholeness and purpose. We call this investing that makes the world rejoice. More information is available@investeventide.com Christian healthcare ministries enables believers to show love for one another by sharing each other's health costs through CHN's voluntary health cost-sharing programs members uplift each other spiritually and financially. CHN was an eligible option under the affordable care act and a Better Business Bureau accredited charity interested. Learn more by calling 800-791-6225 or online at CH ministries.more Amanda communications major from Dallas, Texas.

The Moody Bible Institute verse of the week is found in Joshua 19 not commanded you.

And courageous and do not made the Lord your God is every Joshua 19 the Moody Bible Institute first of the week you feel stuck.

I get tired of going through the motions of faith you want to make real progress in your life and not know where to start to grow as a book to help you grow spiritually grows well, we often see the gospel as a starting point of the Christian life rather than the main point of all how to grow a new book by Darrell – available@moodypublishers.org that's Moody publishers.O RG would you like your life to be infused with joy. Would you like to interject an internal dimension into even the most ordinary day on the radio and says you can when you discover the treasure principle and a concise powerpack style is newly revised and updated book offers a six step plan to finding the immediate pleasure and eternal rewards of the treasure principle what you discover. Life will never look the same treasure principle is available when you click the store, but moneywise live you son, John Scott, President-elect Joe Biden has introduced the governor of Rhode Island, the mayor of Boston them a small advocate from California is the newest members of his economic team will announcement came a day after his transition team announced Gina Raimondo was his choice to become commerce Sec. Mayor Marty Walsh's candidate for Labor Secretary and Isabel Guzman as his pick to leave the small business administration research suggesting the coping 19 vaccine made by Pfizer and by one tech can still work against the mutated coronavirus Los Angeles Dodgers site Hall of Fame manager Tommy Lasorda guided LA to two World Series championships is died. He was 93.

Stop shaking off a midday slump in power hire in the afternoon to record highs that out game 56 points today. The NASDAQ was up 134. This is SRN use chatting with Mary. She is calling us from Raskin today. She's turning 65 next week wants to sign up for Social Security has some questions about Mary.

Thank you for holding so back to these questions are the key here for you to understand is that if any time you claim Social Security. Whether your claiming your benefits or your claiming 50% of your husbands benefit. If you do that, prior to full retirement age which is either 66 or 67 depending upon your exact age you're going to take a reduction in so you're always better if you can to wait so that you don't take that reduction at all. If you claim at 62. It's usually going to be around a 30% haircut that shall take and then it grows each year until full retirement age so if you take a year early. You could see as much as a percent of that coming often and that number is going to be locked in there.

So if you have the ability to wait. I would do that now, as to which one is going to be better either taking your own benefit or taking the benefit of the 50% of your husbands as survivors benefits the yeah the so security ministration will tell you which is better for you. Obviously they'll give you the higher of the two amounts to some extent in terms of what you will need them in the typical things you'll have to have and I realize the meetings right now are virtual but in order to claim benefits you need proof of age and citizenship, with the birth certificate or passport. You also need a driver's license or state issued ID card so no typical information that you would need to provide as you start to claim those benefits. I think the key is just whether or not you need the money right now or you have the ability to delay it and then take the higher benefit down the road very happy birthday and we hope that information helps you.

Thank you very very much for your call today 800-525-7000 Shoreland, Washington hi Linda what's on your mind will doing great. Thanks you might there a list of recommended.

According to my value now you not you can post abortion. However electric car battery hard and some of them yes absolutely Linda you asked about this because this is really exciting and growing aspect of the investment landscape right now that what we call faith-based investing is really taken off. Where alongside a secular counterpart called ESG, environmental, social and governance investing where they scream for environmental issues or social impact things like that. The faith-based investing spaces around screening either out or in certain companies based on whether or not they use their profits to support things that would be counter to biblical values or whether you want to screen in companies making a social kingdom impact in the world, and the ability to do that and still achieve a very competitive rate of return. In fact, many of them are outperforming their secular counterparts and winning all kinds of award so it's a really exciting time to be able to invest in such a way that reflects your values and as an owner of the company.

Even a fractional owner, you should be thinking about that in my view now where you go, well, you got a couple of options number one if you're doing your own investing. Linda meaning you're making your buy and sell decisions. You just want to be able to screen those companies and understand what they are supporting what they're doing with their corporate profits. Others a great free tool by her friends that inspire you can find that inspire insight.com inspire insight.com where you can put in any stock, bond or mutual fund, and it'll give you all of the publicly available information about how that particular company is using their profits and whether any of those things would be counter to biblical values if you want somebody to actually make those decisions for you, but you want to know that there factoring in these kinds of things as they make those buy and sell decisions you want to use either a mutual fund that's in this area.

Faith-based investing or an exchange traded fund, let me just mention three companies that I would start with one as our friends at eventide. You'll find them at eventide.

If you do a Google search for them. Eventide funds.com second is inspire and you'll find them. I mentioned that website inspire insight.com and the third is called praxis PRA XIS praxis mutual funds.com anyone of those 3+ a number of others including guide stone are good friends there is well offer scream to mutual funds and exchange traded funds and you'll know with any of those that tell Juergen have a portfolio that reflects appropriately your Christian values. Linda we were able to adjust some of those names down Eventide funds inspire insight okay and praxis that is the redhead insert yeah so it in the app store. You just want to type in moneywise biblical finance moneywise biblical finance and that will be a yeah our digital envelope system. Okay I thank you very much Linda. Great question on her part. You know, using your dollars that God provides wisely doesn't just extend to you know much money you spend on a daily basis but were you putting your investment dollars to really maximize your investment and to do good in the world and that's what these organizations doing a real regular basis badly basis following God's principles. That's exactly right. Right.

Let's continue on.

Let's see how about Indianapolis, Indiana hello Brian, what's your investment question today.

Michael you, but my regard with regard to a 401(k) that have to work the option to do all pretax all the wrong or have the option even to do a mixed of those I maximize that contribution on the employee side every year and so far have done only pretax. Wondered what your guidance was on that. Yeah well Brian you know I like the idea of having both buckets available when you reach retirement because there's a number of things we don't know what we know is the you may be added or near the top of your earning potential. Maybe not. Maybe you can earn more down the road but you're paying obviously taxes based on what you're earning right now and so you're getting a deduction on the pretax money equivalent to your current tax effective tax rate when we get to retirement. Though we don't know what the tax structures gonna look like you have a higher tax environment. Good chance we will because work is it pretty low tax rates right now. So even if you're earning less in retirement. It could be a higher tax rate that your you know pulling out of and that's where the tax-free money in the Roth 401(k) would serve you really well. But there's also a couple of other benefits in terms of even the required minimum distribution which applies to the traditional 401(k) or IRA doesn't apply to the Roth 401(k) or IRA. So I think having both options available is actually a good thing.

And then at that time you could pick and choose which is the most effective for you from a tax-advantaged standpoint, so I like the idea of you splitting between two of the only other thing I might mention is have a tax preparer professional to prepare your tax return run this by him or her get their take on it but I don't think you can go wrong either way, you were me, I probably split Brian because they thanks very much and thanks for listening to her friends that many people are experiencing financial challenges such as credit card debt downsizing that in jobs and savings more than half of all divorces are the result of financial pressures at home, but there's hope in your money counts biblical financial expert Howard date shows that the Bible is a veritable for managing your finances will discover the profound if it has a relationship with God, your money counts is available when you click the start button moneywise live.org.

This is very hard right here to help me understand God's purpose for your life to the eyes of a layman, Jesus owners everything depends on our loving him and loving our neighbors as ourselves is concerned for their reduction as moral and knowing that this is the one thing that changes every be added his promise of Romans 828 to make everything in your life work together for good. When you do that to be 60 seconds.

We have here.

I can tell you how to do all the things you're supposed to do automatically like living a righteous life studying his word and praying without ceasing. You see, when your priorities delete everyone under your influence closer to God living rightly and being in the word on your knees every day is automatic and it's so easy and so much your job is revival outside the walls of my moving everyone and everything else doing that go tomorrow. TW.com.

Just amazing how we wish you best mean women but just a seasonal to Linda those players that we've idolized when I can end up forgotten, nobody's because we move on to the next one. What do we worship you know, do we worship people things that are here today and gone tomorrow. What we background lies down to something or someone to someone who loves us with the most amazing someone who cares about even the smallest details and a lot do you know Jesus is Jesus who heals with this Jesus who loves the pool. This Jesus who died for you and me. The Jesus who rose again. Do you knowing this Jesus, I ask for you the money and life run on the same track. Unfortunately, sometimes it seems like your money is heading in a different direction from your goal, and never enough three keys to financial contentment. Author Ron blue helps you to break down all your financial options to a basic floor and then shows you how to keep it all chugging along in the right direction on the same track never enough three keys to financial contentment available when you click the store button moneywise live.org would be helpful for you to connect with one of our budget coaches. If you're struggling basic things by giving giving savings, getting out of debt. Things like that you'd like to have a virtual back in forth with the coach person who's been well trained in this particular area and they serve hundreds of people all across the country because we have hundreds of coaches you can find all that information when you visit our website moneywise live.org go down halfway down the front page and you'll see connect with the coach moneywise live.org Lantana, Florida Cynthia, we appreciate you holding on the line and what's on your mind, and I will be in a couple. I am working full time I'm trying to get up on my bills and it does paid off before actually do retire, but I was wondering comparable to continue to work full time and take a partial payment on my Social Security for July, but they lack that kind all I that I get after I fully week prior good questions idea so you can't take a partial benefit. So you have to start taking your benefits are not now. If you continue to work. You continue to replace years.

Perhaps early in your working career where you earned lesson so that amount will continue to grow as you.

If in fact you're earning more today than you did with some of the credit you are receiving early. Many years ago. So from that standpoint.

That, plus any cost-of-living adjustments will because you're a benefit to continue to rise what you will miss out on by going ahead and taking your benefits now at full retirement age is any increases that you would've gotten as a result of waiting.

So every year you wait to claim your Social Security between full retirement age and age 70. You get an 8% increase that will stay with your benefit for the remainder of your life you will miss out on that if you go and lock it in but you can work as much as you want and you can work to replace lower credits which will increase your payment and you can get cost-of-living adjustments.

It's just that you can't take that partial payment and if you have the ability to wait. I think that the guaranteed increase of 8% a year.

If you're healthy is a good thing because every year that you wait you'll you'll add that to your check moving forward. Once you start claiming your benefits.

Does that make sense of the labor catch up on my bills before I actually had just rely on my Social Security because I don't anything other than that want to retire. I see you probably working until I drop well, so continuing to work now and waiting is going to make sure that that so security benefit is is as high as it can possibly be.

Which is good to go a long way toward helping to make sure that you can in fact cover those bills so given that you got your health and your working your cover your bills with your pay even though perhaps it's not enough to get caught up. I still think if you can do it. It's in your best interest to hold off Cynthia, glad you called today thank you very much. Have a great weekend, Fort Lauderdale hey Kathy, what you question for Rob West. I got what valuable by contributing greatly. Many, many years. I have a a.k.a. advisor and I wondering recommended that I take for reading my and give it to them to Linda is that data by an author with the change in the government coming up in. Now the time to do it or wait and see you separated from your employer were the 43B is now. I'm still contributing and make that I can still contribute and take out time 59 okay so when we talk about a rollover to an IRA or just a withdrawal. I believe that withdrawal. Yeah, I would be surprised Kathy that would not be in your best interest.

I think I think perhaps