A Bible Study on Earning Money

This is Doug Hastings, VP of Moody radio and were thankful for support from our listeners, and businesses like United faith mortgage. My best friend is blessed with three kids in a big house all the kids have their own rooms, but recently life in a bagel house is been different.

In an effort to solve kid boredom.

My friend, but when those massive blue tarps and created a full room tent in the spare bedroom.

They put each of the kids mattresses under the tent in the shape of a T and every night for now, five weeks the kids have slept with their heads, feet apart and set of rooms apart, it's Ryan from United faith mortgage and when I see a home. I can help with the interest rates, escrows, and trying to help listeners pay the least amount possible. But for me that story was a needed reminder that it doesn't matter whether our homes are big or small it only matters whether willing to enjoy the little things that God gave us today like a tarp tent. If you happen to be looking for a new place to put up a tarp of your own. We are United faith mortgage United faith mortgage is a DBA of United mortgage Corp. 25 Millville Park Rd., Melville, NY.

Licensed mortgage banker for licensing information, go to an MLS consumer access.org corporate and MLS number 1330. Equal housing lender not licensed in Alaska, Hawaii, Georgia, Massachusetts, North Dakota, South Dakota and Utah and what's the worst and most read book in history containing more than 2300 references to money is worth more than its weight in gold.

Well, I think you arty know the answer by Rob West of were talking about the Bible.

Every speck of wisdom in this world is found within its pages will dive into that today including the few verses sometimes overlooked from a financial perspective that it's all your calls at 800-525-7000 800-525-7000 businesses moneywise live God's will guides are financial.

Let's start in the says peace I leave with you, my peace I give to you not as the world gives do I give to you. Let not your hearts be troubled, neither let them be afraid. Peace to you was a common salutation among Jews in the first century A.D. and its repeated often throughout the New Testament, Jesus means that true peace comes from knowing that we are reconciled with God through faith in him.

But what does that have to do with money.

Well, what peace does the world have to offer except to money and materialism and what is perhaps the most common fear we have in this world. Well, not having enough money, of course, Jesus tells us that by focusing on God. Everything we need in this world will be added to us, but when we rely on our own power to provide the world can be a scary place.

We have to be reminded constantly that God owns everything that he is our provider not just of wealth but even our skills and abilities to acquire it. Deuteronomy 818 reads, you shall remember the Lord your God, for it is he who gives you the power to get wealth, that he may confirm his covenant that he swore to your fathers, as it is this day. Covenant is a promise and God always keeps his promises.

Of course we have to do our part. This is found in Proverbs 1211 whoever works his land will have plenty of bread, but he who follows worthless pursuits lacks sense or Proverbs 1423 in all toil there is profit, but mere talk tends only to poverty about Proverbs 1224 the hand of the diligent will rule while the slothful will be put to forced labor.

Those verses are pretty straightforward, but sometimes people are confused by this one. Ecclesiastes 53 which has a similar message for a dream comes with much business and a fool's voice with many words now a common interpretation is that diligence when conducting our business during the day will lead to peaceful dreams while idle talk accomplishes nothing. So we must work heartily where ever we feel God calling us and he will provide the rest.

Believing that leads to contentment of courseware to use our brains as well as our hands when we work we should plan carefully in all that we set out to do. Whether that's earning, saving, nor giving that in Luke 14 Jesus tells us to consider carefully the cost of discipleship, but it's a message we can apply to all areas of our life, including how we manage our money. Jesus says, for which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it otherwise. When he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, this man began to build and was not able to finish and of course as witnesses for Christ.

We must be totally honest in all that we do so and 37 tells us better is the little that the righteous has than the abundance of many wicked now in Luke 1689, we find a passage that seems to contradict that and confuses many people there.

Jesus tells us for the sons of this world are more shrewd in dealing with their own generation than the sons of light and I tell you, make friends for yourselves by means of unrighteous wealth so that when it fails they may receive you into the eternal dwellings now is Jesus telling us to acquire wealth dishonestly.

Absolutely not. He's saying that worldly people often use their money to further worldly pursuits even more effectively than believers use money to further God's kingdom and who are those friends were to make with our wealth. One common understanding is that Jesus is telling us to use worldly wealth to care for the poor. In Matthew 25 he talks about separating the sheep and goats on Judgment Day. Jesus says truly I tell you whatever you did for the least of these brothers and sisters of mine did for me care for the poor caring for Jesus himself.

Well, that's our short Bible study today on earning money and we hope you found it useful Rob West your calls or next at 800-525-7000 businesses moneywise live God's financial principles shine a light on our back to moneywise live on last just taking your calls and questions today applying God's truth to whatever you're dealing with financially. Today we have lines open.

Here's the number 800-525-7000 800-525-7000.

Whether it's saving or giving. Perhaps your wrestling with how much you need to save for the longer term. Maybe it's that credit score that's tripping you up or how to pay off that debt.

Perhaps you want to do more giving you looking for some ideas on ways to maximize your giving dollars whatever's on your mind today. We will apply the principles of God's word to whatever you're dealing with financially. Here's the number again 800-525-7000 before we take your calls and exciting day here in moneywise. Why you ask will be glad to tell you that we launch the moneywise app. Seven months ago and after a couple years work from a dedicated team of developers.

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Talk about where to invest some savings, but first José's in California San Jose you're on moneywise live what your question in my car. I had a question, so I have 401(k) at work. I used to have in the regular traditional 401(k) which is tax-deferred now. I recently transferred it to. In the same job where Matt but in turn 41 is not recommended I do that work. Should I just transfer it back to the regular traditional which is the tax-deferred 401(k) yeah well I like to see the Ross version of either the 401(k) or the IRA. Most importantly, if you're young you got time on your side you have the ability to let this money grow after having paid the tax on the front and how to grow tax free and then in retirement you knock you have to pull it out like with the required minimum distribution. You will also worse regardless of where the tax code goes that we have much higher tax rates down the road you won't have to worry about that because you've already paid tax on it.

All the gains is is going to come out tax free. But now the only issue is just that when you made that transition. You triggered a taxable event. I believe you have 60 days to put that back but I would check with your tax preparer just to make sure that you do that properly, because, again, that money going into the traditional IRA allows you to take a deduction on it. If you were to convert it or transfer it to a Roth equivalent that generates a taxable event in the year of the transfer and so I just want to make sure that you get the tax side of it right.

But even if you were to leave it there. You've got the option. As for new contributions, whether you want to keep funding that Roth order you want to have the traditional or both. And there's a case to be made about actually funding both because that gives you then to pools of money to choose from, depending upon what's going on in our economy in the market. More importantly in the tax code, and in your life financially and when you get to retirement and I didn't ask your age. But let's say that's 20 or 30 years down the road may be less.

But regardless, you'd have the option so you I think I would probably stick with the Roth at this point you as you make future contributions.

Moving forward is that make sense so José, thank you very much okay God bless you Sir, we appreciate you go. We've got five lines open the 800-525-7000.

Let's add to Chattanooga Tennessee and talk with Scott what's on your mind. The dates are seven years. Linda Gardner, near good ministering to hundred thousand in equity for limited list of orbit trying to decide whether to make whatever only watered-down volume up on your end?

$40,000 sitting in the bank collecting no interest tomorrow Dave Ramsey to fund six-month fund soon. Richard arrived about 25,000 15,000 mobile family little bit and then questioning you to go to home equity loan, maybe 20 to 30,000 improvements originated in figure out the best way to know about.

Let's agree questions God so you said you have 40,000 socked away if you were to follow the six months worth of reserves. You think that's that's 25,000. Is that right okay right and so that would obviously be about 15 you don't think that quite would cover the home improvements.

The master bath the church or chart about to be at least that much more value under the bathroom and kitchen that actually have straight evaluate be listed for your money back for that. I currently listed for 30,000 more for five years or may not like what your thoughts on this improve its overall overall market. So sorry that's that's the case let's tackle that will circle back to the can how you fund all of this. I think there's a couple of thoughts here and you never get 100% back on any improvements in bathrooms and kitchen certainly would be included in that. So if you're thinking of moving you know in less than five years. I would say 3 to 5 years. I would be careful now. You know, I hesitate to say don't proceed with either of these because they are going to add some value and obviously you're going to enjoy them. In the meantime but what you're going to find is, especially with today's construction prices because so many people coming off of Cova didn't travel.

They increase their savings and their investing in their home, so contractors are overrun with work and prices have gone up, but lumbers up everything's pretty much up so you know I think new kitchens, probably starting at 25 to 30,000, and then goes up from there. For most folks and then you put a bathroom on top of that, I think you could easily spend 40 to 50,000 all in and you know I would be hesitant in putting that kind of money into a home that you think you're going to sell in a short period of time. If you said you know what we maybe this is in our forever home but we think were here for the foreseeable future at least 10 years.

I would say you put that money in and enjoy it and you're going to get you a good bit of that back. Certainly not all of it, but that plus the appreciation knows can allow you to do well 3 to 5 years. I'm going to be questioning whether or not you put that kind of money and get one of the things we did is we actually painted our cabinets in our kitchen, rather than putting all new cabinets in you could put in some new countertops and paint the cabinets. Depending on what you have and you know there's a way to kinda lighten it up and freshen it up and you feel like you have something to without putting that kind of major investment into a home that you're getting ready to move out of so I think bottom line is I'd be cautious and probably careful on what you spend. Given that you know you're probably selling you here and in the short order that in terms of where you go with the money I mean I'd be comfortable with you pulling that down to less than six months. With so you pull it down to 3 to 4 months expenses you pay for it at a cash. Maybe you dial back the scope of the work given what we were just talking about rather than taking on that home equity loan.

The key is going to be your art. Do you have some margin on a monthly basis that you're adding to savings are you living right up to the edge every month and how much you put away in savings every month roughly the ballpark idea thousand 1500 and I'm certain will start out so that we get there. Okay. Great. Well I think that's the key that if you put the thousand 1500, I'd probably proceed to paying this out to cash don't take on any new debt be really careful about what you know how much money put in the home.

Given what we just said a moment ago, and that when you're at you not adding an additional payment. Let's be really careful to budget your resources wisely so that you got plenty of margin there. Moving forward, dial back that helps my friend. We appreciate you checking in with us. This is moneywise live right back moneywise live on. Rob lasted glad to have you along with us today. Well, we've already had several folks already register their moneywise app I can report to the way we have 9998 registered users of you want to go download the moneywise app you can do that in your app store at the Google play store the Apple App Store to search for moneywise biblical finance user number 10,000 is going to get a one year Pro subscription so would be glad to have you join us in that hey, let's go back to the phones in just a moment were to be talking about how to donate stock to moneywise. Also what you do about tithing when it comes to transitioning to a new church of God is taking you elsewhere wouldn't do it then tied Diane was to ask about that. But first sterling Alaska Charles, you're next on moneywise loggerheads or the .9 and brought 2.5… No wallet come back from there and not very good Walt member benefits of marijuana, more clothing, about the same percentage that I can buy my interest rate now 2.89520 points and $8000 legal have lower closing trial through 12.0 brokerage on the amortization table, which is the best route to go thousand dollars worth $0.895 thousand over 15 year note okay well I'm glad to hear you shortening the term of glad to hear you shop in this this new mortgage Charles that's the right thing to do. Most people only get one quote I'm to say get at least three.

And I'm glad you're looking at nerd while@thebankrate.com would be another deal buying down points can make some sense in certain conditions. You have to have the money on hand to do it. A lot of folks roll that into the mortgage which you can, but that's going to take away some of the benefit and you know depending on how much cash on hand you have that may or may not be something that's advisable because it may put you in a situation where you've depleted some of your emergency funds or something like that I wouldn't be tempted to put you down less than 20%. Just so you can pay points that the other thing is you've got a look at how long you plan on staying in the home. Typically, you need to stay there quite a while and you know even with a 15 year note, it's probably going to come out better in the long run it can take you know generally up to eight years or more to recoup the cost of buying down the points before your quote in the money through the savings that you realize each month on the lower interest rate. So I think the way that really compare apples to apples or Charles is to get the amortization schedules for both loans just to compare the total interest paid on one versus another, and then weigh that against number one are you going to come out of pocket for the cash and what is that duty or Casper's cash position number two, you know, do you generally believe that you're going to be in this home until the loan is paid off, and if so, that's great. And obviously nobody knows what the future holds. And so there could be a change of plans, but at least based on everything you know today, you're gonna want to be sure that you're there plenty long enough to justify you playing out the cash for this so that you can reap the benefits down the road and then it just becomes a math equation at that point but you. Regardless, this is a great interest rate.

The bank is offering it. If you're getting 2.5 with really low closing costs. I'd be tempted to go in that direction that you can always ask for the schedules and compare the numbers and see what comes out ahead.

You may be able to save yourself for several thousand dollars is long as you're willing to stay in this home that make sense of forever so you asked for those amortization schedules. Compare those numbers and see what comes of that.

Or something to get a great option when we appreciate you checking in with us today just around the corner. More of your questions donated how to tie between churches that your question moneywise live number 805 five 7000. This is where biblical wisdom is today's financial decision say let us be right back moneywise live. So glad to have you along with us today taking your calls and questions why God's truth to your financial life just ahead were to be talking about investing in it: we'll talk about long-term care insurance premiums that continue to rise will also talk about donating stock would first to Cleveland, Ohio Diane, you're between churches and wondering about your tithes at right, go right ahead and we will accomplish this is not what would it look shirt and white shirt that I like all shirt on the church at opening back up.

I'm glad all the work. Yes yes I like that Diane person I'm sorry to hear about your church. I can certainly understand how that would be the case especially given the location you were meeting and just needing to be really wise about the safety of the residents in that home. I would encourage you to continue to diligently look for your church home as it's safe for you to do that we all need to be in fellowship with other believers, and certainly doing church online was a great stopgap. If you will, during a really difficult. During the pandemic. But as so things begin to open up and people are able to move about more freely. I love that you're looking for where God is gonna plant you next.

Now, with regard to your tithes. This is phenomenal because obviously you want to honor the Lord in your giving. I certainly affirm that I think Scripture clearly affirms that as to where to get. I think that's between you and the Lord what you're doing is right in line with Galatians 66 let the one who is taught the word share. All good things with the one who teaches and that's exactly what you been doing, so that could look like tithing as your visiting these churches maybe take what God has entrusted to you through your increase for that week and give to that local fellowship and continue doing that as you visit around or you could tied to ministries where you're being fed God's word online or elsewhere. So I think any of those are great God certainly knows your heart. It's not about the money but it's about giving generously and obediently I love the systematic giving of the tithe.

The principle of the Tide the 10th where you're being fed your local church which is God's plan a so I would say just keep on doing what you're doing, Diane, and I'm confident the Lord will show you where you're supposed to head next to very very soon. We appreciate you checking in with us today to Willoughby, Ohio Dave, what's on your mind today. Well, we've been blessed with an emergency fund, Tulsa retirement path we've attempted after listening to you to give stock to our church that went well and we want to give stock to moneywise live and I can't figure that out on the website so well I think that that's incredible day will first of all let me just say thank you on behalf of our team here at Moody radio and moneywise media.

We are so grateful for your generous heart and I'm so delighted to hear the Lord is used as principles that we teach in your life for you to be able to get on a stronger financial footing and this is the goal for you to be able to give more generously.

As a result of that.

I also need to address the fact that you couldn't find that information.

Maybe we need to think that more prominent on the website. If it's even there at all.

But let me answer your question. You know what I love the idea of giving stock, especially in a market like this, you are giving appreciated securities or other assets, be it real estate even a business interest may be a been inherited a piece of art in a rather than in some cases, like with appreciated stock paying tax on it and then giving the after-tax dollars, why not give it first strike the charity or ministry gets the blessing of the full amount you get a bigger tax deduction which then in turn creates more resources for you to give away. That's the way this virtuous cycle works if you will. What you're probably going to do and I'm to give you an email address to connect with our team here just a minute will walk you through every step probably just make that gift right into our donor advised fund of money wise media at the National Christian foundation is going to be a simple transfer over as soon as the assets are received. Our team will liquidate them and will put that right into circulation in the ministry for the great things God is doing here so it's gonna be a simple transfer and will walk you through every step of the way so want you to just email info@moneywise.org info@moneywise.org Dave and will help you with every step is that some good that sounds wonderful. All right. Thank you sir.

Grateful for you and tell your wife we appreciate it as well. Thanks for your call tonight folks if you'd like to do that as well.

Started the show by saying here at the end of April were a little behind where we need to be for this month. We would be grateful for any gift that moneywise live.org just click the donate button or if, like Dave you wanted to give us some appreciated stock that would be helpful as well. Just contact our team info@moneywise.org on to Spokane, Washington, Maryland you want to talk about bitcoin. Thank you, go right ahead.

Well, I don't have the signed on hand at the moment but I've been hearing that the teacher is*downturn in our economy. They don't take drastic measures and like Egan Turney and Irene to get Colleen or whatever evening dating alone. The employees of the mortgage and partially mortgage or whatever life raft situation to vibrate totally wanting to get your take on yeah you know a couple thoughts here Maryland number one when it comes to bitcoin as an investment, which a lot of people are talking about asking about because of the run-up that we've seen no I would stay away. It's been extremely volatile in a three-month span from October 2017 to January 2018 of the volatility was about 8%.

You know, in a very short period of time and if we look at a longer span will see obviously some wild swings in bitcoin. I don't think you know it's going away. The idea of crypto currencies is probably here to stay, but in terms of guilt, taking a step back and looking at where were at mean clearly we have our challenges as a nation when it comes to the debt that we've incurred and are continuing to occur, incur, and we need to deal with that guilt could there be some sort of debt crisis you're coming down the road we been there before we addressed it.

I think we would be able to navigate something like that as a nation you keep in mind we have the strongest economy in the world and Gilly continues to grow and flourish. We got some challenges. We've got to address it with a fiat currency that's backed by the full faith and credit of the United States government not backed by an underlying commodity like gold. You know I think were relying on the ability of the United States to navigate whatever may come my way backs against the wall. We generally make the decisions we make. Even if there difficult ones to get through a crisis we been there before. I believe will do it again. So if it's me.

I would just stay the course.

Following the principles of living within your means saving, giving, and I keep my money right there in US dollars investment to see that we appreciate your call back to moneywise live for God's word intersects with your financial decisions. Up ahead will be talking about long-term care policies that continue to see premium increases will also hear from Brian is been listening the program since Larry Burket wants to challenge you to John these principles in your church, especially now during the pandemic.

But first, on Mondays.

We have a brand-new segment that were really excited about.

It's the moneywise market commentary. My good friend and industry veteran Bob Dall who is known for his weekly market commentary.

His 10 annual predictions and just his genuine genuine acumen when it comes to the markets and the economy is something we so appreciate here on the program. He also loves the Lord and brings biblical principles to bear under everything he shares Bob great to have you with us today my privilege.

Bob tell us that you last week. As we look back for a second before we look forward that we saw slight decline actually first in five weeks with interesting to see four weeks up in a row which hadn't happened almost a year with their crosscurrents. You will note on the positive side you got this amazing amount of stimulus support from central banks optimism about the vaccines economy improving in about take off strong corporate earnings and Mike said what's wrong with that picture also have people worrying is growth peeking out the progress overseas around the vaccine that tax issues that might you have a tax increase sentiment may be, is to bullish and valuations are not cheap.

So you got this tug-of-war and were probably going to get Seymour mixed week sum up some down Bob looking forward.

Obviously a lot of what is expected in this phenomenal growth as the economy restarts is already priced into the market, how do we account for that in the near term that is definitely an issue on that you bear with fake no good news. What can happen from here and I think that is something to pay attention to the I don't want to get embarrassed because when you have this sort of stimulus is about to launch.

Absolutely amazing economic and earnings growth not going to make stocks go down.

Mike's stretch how long they can continue to go higher because as you just pointed out what the peoplethink so I think were more the territory now where it's going to be yet two-step folder instead of just one step back, maybe two steps back and were just going to meander around the market. Obviously, when were invested by this you talk about Austin were invested for the long haul. Even though were talking about what happened last week and what we might see over the coming year were focused far beyond that when it comes to our long-term investment assets. We need to invest based on the plan. We stay the course, but you're expecting because of what you just described modest growth as opposed what we see in the last couple years now. In the last five or 10 years will be oiled to witness double-digit returns in the stock market, including that horrible. For a few months last year I think returns with stock and bond, but in your to be much lower than they been the last 5 to 10 years. So what is going to be absolutely Bob, this is really helpful. Let's finish today with inflation. What are your comments on what we might be seeing on the horizon. So again another tug-of-war. There are some people thinking that the numbers are going to look bigger because it compares versus the height of the pandemic. Last year the others that thinking I'm in this category that no patient coming back hyperinflation. But you know we been at zero or 1% for a while that they been trying to get it up to 2%. My guess is there which will come true and then they made not so sure they wait that will have a little inflation to deal with and that will obviously put some upward pressure on interest rate and maybe downward pressure on P/E ratios for stocks and therefore back to this prudence doesn't mean you can't make mine you can be larger. I love it will probably appreciate you stopping by today will look forward to having you back next week.

In the meantime, God bless you my friend the same to you. Bob Dall joins us each Monday with her moneywise market commentary so appreciate his analysis and perspective that has been proven over decades on Wall Street will be back next Monday. Let's continue with your questions today. Let's head to Longview Texas. Tina you want to talk about long-term care understand what's on your mind have a policy that now it hit her, and limited time in the nursing home and had to take out the inflation protection of 5% and two years ago.

Can I get it down and now they come back and they about $3514 for that policy is unlimited and it benefit and I want to know if I want to maintain that are have two choices thing in there three years with compound 1% and 1M is a 108, 180 day facility elimination. In the 90 day nursing home care unit $1654 at half-price this is what you're describing sure what you're describing has happened to some folks and that's why you gotta be careful going into a policy making sure you can afford it.

Plus some increases. Now they can increase these policies on an individual policyholder, but they can based on petitioning the insurance Department of that state for all policyholders and it's obviously based on the rising cost of healthcare. There are several ways to lower the premium you mentioned several of them you can shorten the benefit. So you could consider a three year policy and then renew it when it expires, you could look at the longer elimination which you mentioned.

I think that's probably going to be your best option. This is the other. Before the policy takes effect. Usually it's 30 to 90 days, you can push that out. That's really going to help with that premium and then reducing the daily benefit obviously will also lower the premiums. You can also opt for a simple inflation protection instead of compound, but it sounds like you may have turned that off completely. The key here Tina is that you do what you have to do to have as much protection to offset the risk as possible and yet still allow this to fit into your budget. Moving forward because of it simple. You had to drop it. It's just cost prohibitive. Obviously, you lose the benefit of the policy altogether. So I probably start with the longer elimination and then move from there. Again, the goal would be to get something that you can manage that fits into that spending plan.

If you need help with that spending plan, don't hesitate to reach out to her moneywise coaches Tina moneywise live.org just click connect with the coach they be delighted to walk with you and we appreciate your call today about Nextel Birmingham Alabama where I went to school at Samford University Bryans there and I Brian I understand you been listening this program only back to our good friend Larry Burket is a right that is correct. Awesome how I can help today.

Just wanted to encourage you think Larry would be well pleased with the transitions that it taken place over the years to see Steve retire. But you're doing a great job. The other thing that I wanted to share week week been leading Compass groups for years in our church and had been leading them also online with the pandemic and would just encourage people that that that is a resource if they want to do it deeper.got word walk through you. The budgeting process and and and and look at the word of what it has to say about the state that you guys cover each day that that that's available yes well you just say thanks for your kind remarks. You know Larry was a hero of mine as he was for so many and so your remarks mean a lot to me.

I'm so delighted that God is use this program in your life and why couldn't agree more about leaning in during this season. If God is equipped you to your really be interested in this topic you studied on it.

Perhaps you been through a compass small group study or another study, and you want to teach now is a great time to do it. And as you said Brian you can do it right there from your home, a lot of the compass studies are now being conducted online through Zoom so check out their website compass one.org that's compass in the number one.org and see if you might be trained to be a facilitator and perhaps can do either of them virtually. Or maybe there in your local church. The other option is to become a moneywise coach which you can do on our website moneywise live.org and it would be delighted to tell you how to do that but Brian reshaped your ministry, my friend, I'm I'm confident your reach a lot of folks there, especially during this season where they really need to hear God's truth as it relates to their finances and we appreciate your calling today Jay in Sarasota just about a minute left you to be our last caller on the broadcast today. How can we help you sold the condo market going out this large sum of money sitting in March. It not like writing and I'm a board about it sitting yeah where what are you doing with this money in the future. Do you have plans to buy something else you'd not that will God called us all about okay what you have, what were the proceeds okay and are you needing to convert this into an income stream now to supplement your income or is this truly surplus surplus, etc. are okay very good you know because this money if the Lord tarries in your health is good. You and your wife could need the last for several decades.

We want to put this money to work. I believe in a way that's prudent given your season of life. So you not wanting to speculate. Take unnecessary risk, but you do want to be growing, working for you.

I could see probably a small percentage in stocks is much as 30%.

If you're comfortable with that. The larger portion of fixed income. I'd connect with a certified kingdom advisor there in Sarasota. Probably two or three interview them find the one is the best fit to deploy income-based conservative investment strategy just got a moneywise live.org click find a CK if you have any other questions, give us a call back book 6 for joining us today moneywise live for God's word is applied to your financial decisions want to say thank you to my amazing team producing Amy Rios engineering Dan Anderson Jim Henley on research and Aaron call screening today is a partnership between radio moneywise media is tomorrow