This is Doug Hastings, VP of Moody radio and were thankful for support from our listeners, and businesses like United faith mortgage mortgage commercials are rarely exciting. So to make it slightly more interesting. Here my nieces to do it for me. Interest rates continue to drop like my sister's baby teeth, uncle Larry had still not stair. It was rates are boring. Talk historically low this year is even more boring. Talk historically lower than the previous point talk historically low sounds boring for so many listeners who just wanted to deal at refinancing right now could see the amount of light faith in God and that love some borrowers could potentially save hundreds monthly and tens and tens of thousands over the life of the loan and if you didn't put 20% down before somebody ends up having to pay PMI gave uncle Brian I sent we are United faith mortgage United faith mortgage is a DBA of United mortgage Corp. 25 Millville Park Rd., Millville, NY license mortgage backer for licensing information, go to an MLS consumer access.org corporate MLS number 1330. Equal housing lender not licensed in Alaska, Hawaii, Georgia, Massachusetts, North Dakota, South Dakota and Utah happens to most of us sooner or later, a family member asked for financial help your first thought is to write a check, put down the pen just a minute and ask yourself is this helping more family members regardless of circumstances provides not only to help change the life of a loved one better financial planner and teacher Rob West has some great ways you can do that calls from all across the however is not live more wisely on Rob interesting subject. Today we suggested that people ask themselves if giving money to a relative will really help or hurt the situation.

But tough question to answer for most people. Well, it really is Steve so it's understandable that some people don't want to think about it at all. So instead they just write the check but it's important to ask it and coming up with an answer doesn't have to be that difficult. First, consider the circumstances that led the family member or it could also be a friend to ask for the money. Is this a short-term problem or is it something that's ongoing. So, for example, a lost paycheck that takes a few weeks to replace is one thing but if there's a history of asking for help handing over money isn't going to solve the problem in most cases it will likely just make it worse. Let's just say for arguments sake, that it is a one time thing and you've decided that you should help. So then what well in that case, you have to decide how you will help and you have two basic choices either with a gift or alone.

That whatever you decide, make the terms clear to the person you're helping if it's a gift, let them know you don't expect to get the money back if it's a loan I would do up a promissory note with the repayment terms clearly spelled out. There are plenty of templates online that you can download and fill in the key is make it clear and make it in writing. Okay which is better alone or a gift what my preference relationally speaking would be to make it a gift because once you do that the matters over. It's quite different with alone which is ongoing and potentially damaging to your relationship with the person you're helping Scripture says, the borrower becomes the slave to the lender. We talk about that often. So in effect loaning money to family or friends changes the nature of that relationship. And I think that's why it's really better to make it a gift and be done with it.

If you're in a position to do so. Regarding loan, Steve, you might be asked to cosign one as a means of helping Scripture repeatedly tells us not to do that and it makes no exception for family members take you to one of the verses on the topic. Proverbs 22 verse 26, it warns be not one of those who gives pledges who puts up security for debts.

Okay I want to put too fine a point on this piece of basically there are two choices, a gift, or alone. Does that mean that there is still another way, in addition to those well yes you could also give the person a job opportunity to earn extra money that could be chores around the house earning any number of things. If you own a business, that approach may not always be possible, but it's worth considering if that's an option for you is that why when I asked you for $20 you said shovel my driveway where I think it was one can wash my car yeah yeah yeah okay that's just okay. I let's say it's the authors circumstance of the person asking for money is often in trouble. Maybe it's not the first time they've asked then what's well. One option clearly is just to say no but if you do, it's important to explain why I would just say in a loving way. Explain that you believe it would perhaps do more harm than good by enabling them to keep repeating the pattern that you really want to be helpful to encourage them to solve the underlying issue okay and what if you do decide to help right well first decide how you will provide the money if you can't trust the person to handle it wisely. Perhaps consider making a direct payment for a bill like utilities or an insurance premium. If that's the reason they're asking for help or you could provide groceries instead of cash or even a gift card for groceries. You could also help and provide help a great deal by putting conditions on the money.

So you could insist that the person sit down with you to go over their finances to make up a budget or develop a plan for saving and paying down debt. If you are uncomfortable doing that where they disclose that information to you. Well, whatever money was. Coaches can help with that. You could also insist they go through a small group study on personal finance their offered online by compass, finances, God's way. Just look for navigating your finances God will come back and tackle one more issue helping don't children.

This is moneywise live moneywise live and we talked about our telephone number. Often, usually because we live today were pretty recorded some of her mention of the phone number please don't call us.

You can find us online@moneywiselive.org probably been chatting for just a bit about lending a friend or a family member money and anything else that we haven't mentioned that you want to, well, a couple of additional thoughts. One is only just go back to this idea of really requiring that there be some conditions with the gift I really like this idea of using an opportunity to help someone out of a genuine interest of concern and wanting to care for them, encouraging them to really solve the underlying issues and in many respects. That's just a lack of understanding God's way of handling money and so encouraging them. For instance, to get on a spending plan and be accountable to somebody what like a moneywise coach encouraging them to go through a study like the one we mentioned navigating your finances God's way from compass, one would be great. And those are again offered online@compass1.org it's compass in the number one.org.

Yet this can be a real I think step toward solving what got them to this position in the first place, which gives you a lot more peace of mind to know that as a steward of what God has entrusted to you as you make the gift you really are genuinely trying to help. I think the other thing is let's say you make a loan to someone you salmon to provide you an interest free loan. We write down the terms are to pay it on this schedule over this time. Ultimately pay back… Something happens along the way and they're unable to do that they're unable to fulfill that obligation and you decide that you want to now make it a gift you're not going to require them to pay it back. You can change your mind I would let them know that I want you to release them from that obligation. Otherwise that's going to continue to hang over them, but if you make that decision communicate that so you know I decided just to make this a gift. I want to bless you with that you are released from this obligation. And it's over and you move on because I think the relational fallout from these situations can be really damaging, and we certainly want to avoid that at all costs. You're a compassionate guy around when I start. We did mention there was one other aspect.

We wanted to touch on.

It involves helping adult children too often a one spouse wants to help the other is against it.

Help us out here.

What can we get well it's a tough situation. No doubt it is often where someone will cite first Timothy 58.

If anyone does not provide for his relatives and especially for members of his household is denied the faith and is worse than an unbeliever pretty clear, but I think the key word there is provided, it doesn't have to be money.

Wisdom is by far the most important thing we can ever pass on to our children so putting conditions on the money like we just mentioned a moment ago is a great way to provide wisdom along with financial help. I also think this can be a real point of contention between husband and wife and so I would say is spouses you should come together and pray about this decision is our Dayton, the foremost of this program likes to say it's impossible to argue with someone when you are praying together, so be sure to do that and then not.

You can also seek some outside counseling to help you reach an agreement, you could talk to your pastor, perhaps someone at church, but just really think and pray through these decisions. Remember were so quick to help our adult children and often times tough love is one of the best ways to learn even though it can be difficult. So just be sure that may not be the better option and I want you to consider.

Thank you Rob well said you were taking your financial calls, and anything to you today. 800-525-7000 get a question if you have a concern. If you have a testimony of sorts. Would love to hear from you.

800-525-7000. Marsha is in Chattanooga and what's on your mind today. Marsha and I call the house that I still owe $32,000. Probably about 15 years and it has been sitting vacant for some time.

I have two children. Neither want to stand. They have their own home, so they don't want it I have.

I live in another location.

When my husband and my nephew and his wife did not have a home. They are renting. So I want to make an agreement with him if he will pay rent to make the payments on the house and then when the rent when that payments are made in the 15 years I want him to have the home that he pay rent to me to make the payments for the rest of the time so want to find out if that is if that is a good idea or if there's some agreements we should make this passion… I think it is a good idea. Something you can definitely pursue you want to do it the right way, both from a legal standpoint as well as from a tax standpoint because the IRS is going to want to make sure that the rent that you're charging is customary in and fair according to what it would be typical in that area and you're gonna want to have everything clearly spelled out with a rent to own agreement.

So what I would recommend you do. Marsha is visit with a real estate attorney someone who perhaps from your church or local area has that specializes in this area who's in an attorney, but does real estate closings and is well-versed in real estate law who could draw up a rent to own agreement help you work through that process to make sure that it's handled properly and even handled the tax side of it as well, or refer you to somebody who can. But I think this is a great way to bless your nephew.

Assuming this is the home he wants to own that he could be working toward that homeownership by paying your rent and then that would be credited toward is ultimately being able to own it outright and course at that point it would be in his name.

So if you don't have someone that you know of in your area, you could go to our website find a certified kingdom advisor there in Chattanooga. Just go to moneywise live.org. Click on find a CK and then ask for referral to a real estate attorney who can help you draw up a simple agreement. Make sure it's done properly, but give both of you the peace of mind that you know you're working toward something and I think this'll be a great blessing for Randy rather Marsha, thank you very much we appreciate your call today. Hope that works out well for you, Grand Junction, Colorado.

Now we say hi to Randy and you have a 401(k) question.

Ready, yes I do. I've got a target dated 401(k) and I was just wanting to maybe manager for myself and just recommend auto maybe some books website to learn about all the sure, yeah, you know, the only challenge with a 401(k) and I'm not against them by means of think it's the place to go is a starting point for your retirement savings, especially with matching, but the only downside is just that you are in fact limited in the investment options inside the 401(k) to whatever the 401(k) administrator makes available so a lot of people choose the target date funds just because they're easy in the sense that you don't have to put a lot of time and energy into researching the investment options and it can make sure that you are in effect rebalancing over time to move more and more conservative as you approach retirement and that you don't get overly aggressive at any point or you're not too conservative while you still have some time, but if you'd like to take a more proactive approach is nothing wrong with moving out of the target date fund and essentially using the other funds that are in there to build your own allocation and one reason why you'd want to do that is if for instance you wanted to be a bit more aggressive than perhaps the target date fund is or you want to be more conservative. Either option would allow you to take the funds that are in there and in a sense build your own allocation toward your stocks and fixed income and in the stock part of the equation.

You could choose the more aggressive of the more conservative options.

So I think there's a couple things you need to do. Number one is you need to get the plan information so you can get the prospectus for each of the funds that are there and become familiar with the various options you have. And then secondly I want to send you a book. If you hold on the line here. Randy will send you Austin priors sound mind investing handbook. This is really to give you a good overview of investing so you can understand what you're looking for and what is the right allocation for your age and risk tolerance and objectives. But it's all done with the biblical perspective and that's of course what were really interested in.

So if you hang all the wind will get to that book gladden order or request a copy of each prospectus from the funds inside the 401(k) so as you're reading it you be able to look those over and then now you can make some choices and give me specific questions along the way.

Randy give us a buzz. Maybe we appreciate your phone call today. We wish you the best with that. Thank you very much. When we returned from our brief break will be chatting with Christie who was working on a concrete repair project. Eric left to get to the stock market that and more listening to moneywise will I would drive west.

I'm Steve Moore going to take a brief break that will be back with more moneywise live listening to moneywise but today we're not lives so if you hear that phone number. Please don't call but to stick around. Lots of good information by let's dig into this concrete repair pod, a project status again. I'm a semi professional concrete repair project that requires landscaping Christie I have a rake and a shovel. I don't know if I can help you much beyond that.

But maybe Rob can hug.

We help you $40,000 concrete above grade everything, below the foundation of the house and a lot of our land will we needed him up with $40,000 in our when looking at different areas to drive from so yeah it has to be done soon because I sill plate is rotting on the repairs have to be done to sell anyway. We have 401(k) we can take it again. We have a life insurance policy which will charges $1500 a year on their we have some paving we have a college fund were hoping we can empty our kids are done with college and we have 30,000 or we could borrow again selected okay ceases the project you think is the cost around 40,000. You have 30,000 right now in savings. Do you have some margin at the end of the month Christie when you're done paying your bills. Do you have a little bit left over to help and that we don't know we get okay and tell me about this college fund is it in the 529 or is it just an account that was earmarked for college.

529 like $10,000 that we have to figure that out paving. We okay take care. So you pay tax and the penalty likely on the game that you have in there if there's any game so that would be a go first option because if you don't have any more kids that are going to school and you don't plan to go back or your husband for any additional schooling, then that's an asset, even though we have to pay some tax on it.

I like that a lot better than what you talking about in terms of a loan from either the life insurance or the 401(k) I would really steer clear of those, if at all possible okay with you taking some of your savings, but I really want you to do a budget or spending plan. First, because you anytime were drawing down the savings. I really don't want to get below three months expenses. What would you say is a rough estimate of what you're spending on a monthly basis in expenses okay well that that really needs to be a starting point. Christie glad I'm sorry no somehow going to have extra we can't figure out why we don't have.

Well, I could tell you why because you're not dragging it you know we that we are all in the same boat in the center not getting on to you what I'm saying is if any of us were to operate this way without a plan and what you have the plan without a process to control the flow of money in and out whether that's on a spreadsheet or the envelope system with physical envelopes or smart phone app doesn't matter have to have a way throughout the month for you to say okay, we've reached the end of our eating out budget or we've reached the end of our entertainment budget or Yep were done with the you know going to the movie this month or whatever it is, and that budget needs to reflect all of the expenses including the nonrecurring expenses those things that happen quarterly or semiannually, those things like putting something aside to repair the cars or for gifts so it's really important that you work through that process. I think that's one of our moneywise coaches Christie could be a real help to you. I do that first where you take 30 days and capture all of your expenses.

Better yet, 60, and then get it into a plan. They'll walk alongside you to help you do that in the meantime, I would prefer you take a home equity loan. Assuming you have some equity in the house.

Do you have some equity built up any bill we don't. So that would be my first choice. You can get a real attractive rate right now. I wouldn't get a home equity line of credit worthy of interest rate is adjustable I get home equity loan. Make sure you do your homework. Get the number of bids decide here to go with and how much you actually need borrow that amount paid in full, but then really focus on getting that paid off quickly and that's got to really come down to you, having a well thought out budget you'll have a lot more peace of mind knowing where your money is going and the goal will be to free up some margin on a monthly basis over and above all of your obligations. So that's the direction I would go home equity loan to get started on that budget today and if you have questions along the way. Give us a call back. That's right, of course, having a budget putting all that God's hand is the very best foundation you could ever have. Wish you well will become back Eric Olivia coming in your direction listening to moneywise find us on the web@moneywise.org today we're not lives so if you hear that phone number. Please don't call but to stick around. Lots of good info nation ahead, Olivia, Gary and Rosa, I know you're out there keep the keep with us or stay with us. I keep listing because I just as quickly as you can first talk with everything going around behind Indiana. Eric was called to her on my life lately getting what I would get you not ask if you don't mind is if you don't mind, as quick review your financial situation.

Eric I have any speaker and I went about my so I found out, but alone my 9000 graduate with an Summer and like mom and hundred and do you find that you have hundred $200 fine that you have 100 or $200 like we have down when it comes like a little down here on that Ranger monks savings is increasing in savings is increasing have the total amount that we have your wife paving sponsored retirement plan. Very good into you or you have a company retirement plan right now putting into a choice when it an actual like jogging into churning into schools in the last question you have any seating stories are just a little more save second car so goals you see here hoping maybe sure to get all also start here, hoping maybe in the next and to get a home until I have with those goals in mind is right here. I can hear the crowd utilizing right you.

I didn't hear you mention any credit card debts@student loan is a right yeah and I love the system using discretionary portion of the triangle… Did you think you have it outlined herein. So you spend one third 700,000. My point was not modest close to built us a thousand savings 112 I that's a good thing for love for you to buy that is ready to start waiter do that is hard to imagine them ready to file.

Start here and ready don't value because you rely on home you'd like it. Not ultimately, like them, but I really feel for the expectation really like to limit how much you think you get your balance is taking dictation what your income bodies and a signature print, is 25% hundred thousand A: always wonder how much will the bed 20 100,000.

What we want to set a goal to save 30,020. That is 30,000 words often want to know what that if someone were to work at.

The second thing I want you to do is determine what you down to about your lighting and retirement accounts right now on the 401(k) that you like you will and is well for you. Waiting to see you all know how much the way I love the way you hold 10% of your tell you yet because you're smart not to imagine your job you have later made available just matter is not 100 notion answer is you live. I'd love to know answer hat so you have a baseline to what is going on right now and that I know the drilling of money runs out is the rest. Rather, I rather you not go that yes is just two weeks to a lower from now we don't know now why the Bible dramatically escalating by auditors which is just versus a long time and are just racist and that is what a consistent long term for assistant is every payment every month and usually my levels.

Mark every month.

I wouldn't be letting his Robinson money just because the systematic shelter for let's go back and let's get a lot of my share the same impressions in terms of the money that in this set up a separate signal account for that is our lower B is a little bit every month from this point, I segregated ground as a young guy, your Steinlen, and I we're putting right now and drop us again when you started in the Western world and nothing triangle time percent headline over time runs out more about how to get another home purchase of your claimant putting money and incentive is that treating all everything in Stein.

This is really figure out what it will absolutely know what I'm saying is, let's focus on our investing over now and I'm putting it in every month is pneumatically what I'm trying to think about a number of days the day because I marshaled this paycheck is next weight jacket but it doesn't matter where the marketers were systematic going to that really should be all to start from. It will absolutely what I'm saying Ron is going to email from Gerard, now €70.07 miles an increase to $5000 because JaMarcus $10,000 to invest in your case just some of that is a matter were systematic. Now I really don't like either option of increasing the home equity loan to pay off the credit card really and we'll look at your house is available.

Please find other things, sounds and railing will do is run those things and out of the payoff in the heart be okay with you some budget in place, balances and has you know I really have taxes. After giving her lifestyle. Her young son Matthew over you using down those credit card as quick as you can do this, don't. Let's not borrow anymore from the house as much contact Christian credit counselors.org really thinking is a debt management credit cards, and then let's say for that patient even if you legitimately that balancing and if you have a question you labs are having master lifestyle on the Summerlin downline email using the dressing is not as quick as you can. Was advised that let's not anymore from the hello that is nonsense cringing through starting or because he won his last patient and real pleasure to have you with us today. This is moneywise.

Love, I'm Steve Moore that other guy with the other guy with the answers. He's Rob Weston were happy to have you with us on the program today. However, we are pretty recorded. We won't be taking your calls but we wind up some calls in advance that I think you'll find interesting, helpful and very very practical and tried to make them that way but I think the upcoming information will help you and bless you and making a wise steward of God's given you might be saying how can I help those guys out. How can I make sure that Monday through Friday when I turn the radio on. At this time that this program is still here. Well, I'd like to suggest that. Please remember moneywise media is a not-for-profit 501(c)(3) ministry were not a business and we really do depend greatly on your support, your friendship, your prayer support and your financial donations and I as of today Rob there is a newer quicker creative way to give right to keep it up with the time Steve or you're exactly right. We do depend upon your gifts. We want to make it quick and safe and secure for you to give to moneywise.

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I like it so okay. The three ways again you can you can call. You can click or text now click it or ticket. What does that present my know that's a totally it is happening there with your seatbelt. I think I am always getting these confused must go fetch my phones. Albany, New York. Olivia you are so patient. We appreciate that. How can we help you for around being willing to answer some of my questions. I am 66. Zullo may have been divorced after 30 years of marriage and money. I got my spite of his retirement on the home and it has no mortgage last year for taxes.

I was stunned to pay over $44,000 to get state and local taxes, and so I've got $60,000 to it. Yesterday I met a vice president of the bank that had been going to for over 20 years. We spoke about the possibility of what could be done for me and the bank. There is something called Gary Max equity composite which I didn't want to go for because that is a little bit more risky in this gallery balanced composite place and then the listless and gallantly fixed income.

So after answered on the question that the best for me would be the gallery balanced composite and I was originally planning on going to a financial planner who has his own business, but after speaking with this ice precedent which is so wonderful and I'm wondering what you think about that and anything is I need to put I believe he said six months of emergency funds in a liquid savings and also someone had shared with me that in case of emergencies. It's great to have like $500 cash in your home. I'm just wondering what you think about those things. One question, do you have any debt to speak of Olivia.

I'm embarrassed, but I do II have $6000 on my credit card that I did just didn't transfer balance and they didn't charge me anything today that okay and 60,000 you have to invest.

Do you have any emergency savings. In addition to that, or would that be the extent of your savings. I have a CD at 5007 which are the rock that looks like they just mean it looks like it's going to mature and like for a year and a CD. I believe 2021, very good, and less Chris I know said that before this really is less question. How much do you spend what are your expenses on a monthly basis dollar why yes, ma'am roughly don't know. I know I am going to make a list of everything that Gracie okay let's let's do this. Let me just try to help is a lot of moving pieces usually just give you some general counsel that I want to get you to somebody you can really get into the nuts and bolts number one, even though you have that too.

Where there is no interest on the credit card is likely to going pay that off. I think you make sense for you before you were to invest anything. I think we need to go and get rid of all your consumer debt.

It sounds like that's really one so I write the check be done with the 6000 pay it off.

You got 54,000 left. Then I would put away that six months of emergency funds.

Let's say you're living on 2500 a month you take six months of that and you need 15,000 to be able to have an emergency savings. I'd put that in an online savings account link to your checking account, but it's just a click away from you. Getting to it. If you had an emergency expense so that takes us to 21,000 that we have going out the door so we take that away from her. 60,000 you got 40,000 left in terms of where you go from here. With that, I'd probably make sure that your funding another year of the Roth IRA. If you don't have a plan available at work and if you want to look at investing the rest of it. I think the key is to make sure this is money that you don't plan to touch for at least 10 years because if that's the case, then we could go and get another 6000 this year into the Roth and then take the balance, which is roughly 30,000 and you could you put that to work unless you had other goals that you're saving for. In the shorter term, i.e. you need to replace the car you want to do that without without any data you have another major expense. If you own a home you have a major repair coming down the pike. Things like that so I wouldn't be too quick to invest money that you know you need to use let's say in the next five years. I pulled out from the roughly 30,000 that remains is well with anything left now were talking about investing it and I would probably look at the expense side of this thing if you wanted to do it yourself. You could visit with her friends, of sound mind investing.org, or you could go to one of these Robo solutions like the PO at the Schwab intelligent investor or you could use betterment. But if you have a relationship with your bank and you felt comfortable with that, I wouldn't have any problem with you investing with that individual but I wouldn't put the whole 60,000 and because again when that credit card comes due and were to start paying interest on it.

I don't want all your money tied up in the stock market and now you're having to pull it out so that's why I would make sure I do those other things first.

Okay so let's go back over these number one. Make sure you have a spending plan was going get that written down to make sure you have a process of controlling the flow. Number two I pay off the credit cards in full.

Number three open that online savings account put in $15,000 in it and then with the balance decide between savings goals you have in the next five years and that goes in the online savings account and then with the rest I'd fund the Roth another 6000 and then consider investing the balance, either with this gentleman you been working with for 20 years at the bank in that balanced mutual fund or looking at a lower cost solution like Schwab intelligent portfolios or betterment. And with that I think that Elise gives you track to run on if you have any other questions feel free to check with one of her coaches Olivia thank you very much we appreciate your call today. One more Fort Lauderdale Rosa, thank you for holding will going to have to be brief, but how can we help you take that house not like I have deducted thing that helped greatly. Thank you. A 401(k) that we don't know need to take it out of money or not. Okay, let's talk about this so you what is the house worth do you think the 90 now okay what you on the first mortgage and 71 were you on the second mortgage 60,000 and hello hello if you had the first mortgage.

Do you know okay and what is the interest rate at 45 right now I yeah okay right and was it a 30 year mortgage. Rosa yet but that he had found many years now okay very good and you plan to stay in this home for a while yet okay very good you are absolutely a candidate for refinancing because you could save at least a percentage point.

Assuming you have good credit and that would be my rule of thumb I want you to be in the home for at least 5 to 7 years and want you to save at least a point on the interest rate but I really want you to do a 20 year loan when you do this in the key is going to be. Can you afford that. So you have to go back to the budget and see can we afford a new 20 year mortgage were we put the first and the second together so we don't stretch out the term and with the savings and the interest rate does it still fit into our budget. Meaning it's not more than 25% your take-home pay with the 401(k) I rolled out to an IRA and with that were out of time, but you stay alignable talk just a bit more often. We will indeed Rosa you hang in there. Thanks very much appreciate your call today and thank you again. As I mentioned for tuning in listing you for being a part of the program moneywise. Love is a partnership between Moody radio and moneywise media and you are listening to Rob last time Steve Moore hoping you and yours have a wonderful remainder of the day, then join us again next time