{"id":305513,"date":"2019-11-11T14:14:15","date_gmt":"2019-11-11T19:14:15","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/the-motivation-for-financial-health\/"},"modified":"2024-10-08T00:16:57","modified_gmt":"2024-10-08T04:16:57","slug":"the-motivation-for-financial-health","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-motivation-for-financial-health\/","title":{"rendered":"The Motivation for Financial Health"},"content":{"rendered":"<p>guest: Art Rainer | Series: The Marriage Challenge | Financial expert Art Rainer shares how his parents&#8217; handling of the family finances influenced his own approach to money. Rainer reminds us that God wants believers to be a conduit of His blessings. As we give generously, we advance God&#8217;s kingdom.<\/p>\n<p>Show Notes and Resources<\/p>\n<p> \tThe Weekend to Remember\u00ae https:\/\/wp-stage.familylife.com\/www\/weekend-to-remember\/<br \/>\n \tCheck out all that&#8217;s available on the FamilyLife Podcast Network.\u00a0 https:\/\/wp-stage.familylife.com\/www\/familylife-podcast-network\/<br \/>\n \tHave the FamilyLife Today\u00ae podcast and resources helped you?\u00a0 Consider becoming a Legacy Partner, a monthly supporter of FamilyLife.\u00a0https:\/\/wp-stage.familylife.com\/www\/legacy<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Art Rainer shares how his parents&#8217; handling of the family finances influenced his own approach to money. Rainer reminds us that God wants believers to be a conduit of His blessings.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2019-11-11.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:26:49","filesize":"24.56M","filesize_raw":"25751722","date_recorded":"","explicit":"","block":""},"categories":[2082,2851,2810],"tags":[4525],"podcast_series":[8315],"cwp_profile":[9582],"series":[2101],"class_list":["post-305513","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-communication","category-finances","category-growing-spiritually","tag-finances","podcast_series-the-marriage-challenge","cwp_profile-art-rainer","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/305513\/the-motivation-for-financial-health","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/305513\/the-motivation-for-financial-health","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"ZPEfIpZ3oE\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-motivation-for-financial-health\/\">The Motivation for Financial Health<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/the-motivation-for-financial-health\/embed\/#?secret=ZPEfIpZ3oE\" width=\"500\" height=\"350\" title=\"&#8220;The Motivation for Financial Health&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"ZPEfIpZ3oE\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"uagb_featured_image_src":{"full":["https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg",508,508,false]},"uagb_author_info":{"display_name":"kfairris@familylife.com","author_link":"https:\/\/wp-stage.familylife.com\/www\/author\/kfairrisfamilylife-com\/"},"uagb_comment_info":0,"uagb_excerpt":"Art Rainer shares how his parents' handling of the family finances influenced his own approach to money. Rainer reminds us that God wants believers to be a conduit of His blessings.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2019-11-11.pdf","transcript_content":"<strong>Bob: <\/strong>When it comes to managing your family's finances, where do giving and generosity fit in? Art Rainer says most people have it in the wrong position.\n\n<strong>\u00a0<\/strong>\n\n<strong>Art: <\/strong>The majority of those who give\u2014it's an afterthought. It's after all the expenses have been paid off\/the bills have been met\u2014whatever's left in the account\u2014then that's what they give.\n\nThe Bible teaches something totally different. What we don't see is an exclusion clause when it comes to generosity. There's never a: \u201cWell, you don't have to give if\u2026\u201d It's always: \u201cGive first.\u201d\n\n<strong>Bob: <\/strong>This is <em>FamilyLife Today<\/em> for Monday, November 11<sup>th<\/sup>. Our hosts are Dave and Ann Wilson; I'm Bob Lepine. Managing money can create a lot of relational havoc in a marriage. We're going to see if we can help with that today. Stay with us.\n\nAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. So, where did you learn money? I mean, did you have\u2014[Laughter]\u2014Did you have\u2014\n\n<strong>Dave: <\/strong>That's a great way to start the day, Bob.\n\n<strong>Bob: <\/strong>Well, I'm wondering where you learned financial principles that you were going to bring into your marriage.\n\n<strong>Dave: <\/strong>You know, I grew up with a single mom and didn't have much money\u2014sort of lower income. My dad was pretty wealthy; you know, airline pilot; built homes on the side. When mom and dad got divorced, I went from pretty wealthy\u2014lived in a gated community just outside New York\u2014we end up in a little house in Ohio, only because that's where her parents lived. Really had to live, month to month, with my mom. And then I go visit my dad, and it was like country clubs\u2014the whole deal.\n\n<strong>Bob: <\/strong>Wow.\n\n<strong>Dave:<\/strong> So, I went back and forth; and it caused in me, as I grew up, to be a saver.\n\n<strong>Bob:<\/strong> Your default, coming into marriage, was: \u201cWe need to\u2014\n\n<strong>Dave: <\/strong>\u2014\u201cbuckle down and be tight.\u201d\n\n<strong>Ann:<\/strong> And <em>my<\/em> upbringing was that we didn't have much money, and my dad was tight\u2014he was a penny-pincher. My mom would hide everything: we'd go shopping; and she'd say [whispering]: \u201cDon't bring the bags in. Your dad's home\u201d; and so we would <em>hide<\/em> it all. My mom would give me a credit card, as the youngest of four\u2014she goes, \u201cJust go get whatever you want, but don't tell your dad.\u201d\n\n<strong>Bob:<\/strong> So, your pattern, coming into marriage, is [Laughter]: \u201cGo get whatever you want, just don't tell Dave.\u201d\n\n<strong>Ann: <\/strong>Exactly.\n\n<strong>Bob: <\/strong>Wow.\n\n<strong>Dave: <\/strong>And I didn't give her the credit card. [Laughter]\n\n<strong>Bob: <\/strong>We're going to be talking about money and marriage, and about how we get our arms around some of these issues, and how we preserve oneness in marriage; because that's really what's at the heart of a book called <em>The Marriage Challenge<\/em>, written by our guest today, Art Rainer. Art, welcome to <em>FamilyLife Today<\/em>.\n\n<strong>Art:<\/strong> Thank you for having me.\n\n<strong>Bob: <\/strong>Art is the president of Institutional Advancement at Southeastern Baptist Seminary in Wake Forest, North Carolina. This area of money\u2014not just marriage, but money in general: families and money and how we get our arms around this\u2014this has been a passion area of yours. You have an MBA.\n\n<strong>Art: <\/strong>That's right.\n\n<strong>Bob: <\/strong>Did you have a default money pattern in the home you grew up in?\n\n<strong>Art: <\/strong>Growing up, I have memories of our family needing to go to our own church's food pantry to get food for dinner.\n\n<strong>\u00a0<\/strong>\n\n<strong>Bob: <\/strong>Your dad's the pastor?\n\n<strong>Art: <\/strong>My dad's the pastor; but because of his salary, we would actually have to go to the food pantry and get canned goods for our dinner. I have those memories. At the same time, I have memories of my dad talking about money and how to manage money well. I'm one of five kids that actually set up an IRA when he was sixteen. [Laughter] That's strange; that's not common.\n\n<strong>Ann: <\/strong>That's a calling on your life. [Laughter]\n\n<strong>Art: <\/strong>I started learning about money, and managing money, and investing and saving at a fairly young age. When most kids are thinking about saving up for their car, I'm thinking about saving up for my retirement. [Laughter]\n\n<strong>Bob: <\/strong>So, this is kind of bone-deep in you: part of it shaped by family experience, but part of it shaped by your understanding of what the Scripture says about how we manage our money.\n\n<strong>\u00a0<\/strong>\n\n<strong>Art: <\/strong>Yes; I believe that God has designed us, not to be hoarders, but conduits through which His generosity flows. As we look at Scripture, we see that generosity\u2014giving and living generously\u2014is the motivation behind pursuing financial health.\n\nWe often think about getting financially healthy just so we can spend on whatever we want. The Bible teaches something completely different\u2014it says: \u201cNo, financial health is a good thing\u2014we <em>need<\/em> to get financially healthy; we <em>need<\/em> to get rid of debt\u2014but we need to do so; so that we can live with our hands open, saying: \u2018God, whatever You want me to do, I can do,\u2019 \u2018Wherever You want me to go, I can go.\u2019\u201d Generosity killers\u2014like debt\u2014are no longer holding me back, so I can use my resources in a way to <em>advance<\/em> God's kingdom.\n\nWhen we look at Scripture, we absolutely see that\u2014giving generously, saving wisely, and living appropriately\u2014pursuing financial health is important but for a much greater purpose than getting a new car; for a much greater purpose than upgrading your home. We're doing it so that God's kingdom can be advanced in our own community and around the world.\n\n<strong>Dave: <\/strong>When did you get that perspective? I mean, you're 16; you've got an IRA\u2014I'm not thinking that's what you were thinking at that point. When did this start?\n\n<strong>Art: <\/strong>Not only did I get interested in money, and learning about money from a young age,\n\nbut my career path\u2014or what I thought my career path would be\u2014started out in the financial world. I started out in banking and learning about investments and how to manage money well from that angle. I quickly realized that even, as Christians, we were somewhat off in our thinking with finances\u2014all the emphasis was on accumulation.\n\nWhen I'd talk to people\/when I'd meet with people, I'd realize that their focus was getting more and more. I couldn't help but think that: \u201cThere's something off about this. This is <em>not<\/em> what the Scripture teaches.\u201d I started diving into the Word and seeing: \u201cWhat <em>does<\/em> God say about money?\u201d\n\n<strong>Bob:<\/strong> And there's a lot!\n\n<strong>Art: <\/strong>There's a lot.\n\n<strong>Bob: <\/strong>In fact, I had an \u201cAha\u201d biblical moment when it came to money just recently.\n\n<strong>Dave: <\/strong>\u2014just recently?\n\n<strong>Bob: <\/strong>Just recently, I was preaching through the book of 1 John. John, in 1 John, says that we're to love one another and not to be like Cain was. I went back and I reflected on the story of Cain and Abel. We think about Cain killing Abel and the murder that's a part of that; but here's what I realized: \u201cThe very first thing that's going on here is\u2014Cain and Abel are bringing the first fruits of grain or animals to make a sacrifice to the Lord.\u201d Well, where did they learn <em>that<\/em>? This is <em>Genesis 4<\/em>\u2014this is the first two kids\u2014somehow, Adam and Eve, at the very beginning, had taught their boys, \u201cNow boys, when you\u00a0 go out and take care\u2014the first thing we do is\u2014we give to the Lord.\u201d\n\nAnd I thought: \u201cThat's before <em>anything<\/em> else comes along; this is what they're training their kids with at the very beginning.\u201d I know you thought about this long before I did,\n\nbut that was an <em>amazing<\/em> realization for me.\n\n<strong>Art: <\/strong>Think about this\u2014there are over 2,000 verses about money, stewardship, possessions found throughout Scripture\u2014over 2,000 verses. Jesus, while He was here on earth, spoke about money more than any other topic. You have to ask, \u201cWhy?\u201d Obviously, it's an important topic; it's an important issue. It\u2019s because there's a direct tie to our heart.\n\n<strong>Dave: <\/strong>Yes, get into that.\n\n<strong>Art: <\/strong>How we manage our money reflects how we manage our heart. You often hear it said that: \u201cIf you want to know where a person's priorities lie, just look at their\u201d\u2014I know we don't use checkbooks anymore\u2014\u201cso maybe go online; log into their account and look at how that person is spending their money. That tells you their priorities.\u201d\n\n<strong>Dave: <\/strong>And what's really interesting, as you said, Jesus is talking about this issue in a <em>totally<\/em> different culture, financially; and yet, the heart issue is no different than today than it was then. Again, get at what is it about our hearts and money that directed Jesus to say that: \u201cI've got to talk about this quite a bit\u201d?\n\n<strong>Art: <\/strong>Well, Scripture says: \u201cWhere your treasure is, there your heart will be also.\u201d Where we put our resources\/where we put our <em>hope<\/em>\u2014when Paul talks about where the rich put their hope\u2014there's a pool that happens with our heart. Wherever we put our treasure, there our heart will be also.\n\nPart of it is a reflection\u2014it's a reflection of our heart\u2014but at the same time, there's also a direction that happens. Both of those are happening simultaneously: so it's a reflection of our heart; but at the same time, it also <em>directs<\/em> our heart.\n\n<strong>Dave: <\/strong>That gets at a little bit why, as a preacher, whenever I talk about money, you've got emotional reactions. I've seen that, when I'm sitting in the seats\u2014and now on stage, speaking about it\u2014you bring up this topic\u2014even if you're trying to help people save and get out of debt\u2014the second you start talking about money in church\u2014you know that saying: \u201cIt always gets funny when you talk about money\u201d\u2014there are reactions; why?\n\n<strong>Art: <\/strong>Because it is, once again, you're talking about their heart; you're diving right into their heart. And it's because\u2014if we\u00a0 look at statistics, we know that a majority of those people, sitting in the pews or the chairs, are <em>struggling<\/em> financially. Right now, 40 percent of Americans cannot afford a $400 or more emergency with cash. A $400-emergency hits; they're resorting to credit cards or borrowing money from family members and friends\u2014four out of every ten of us\u2014four out of every ten <em>in<\/em> the congregation.\n\nDebt is at an all-time high. Student loan debt\u2014we have a student loan debt crisis right now\u2014$1.5 trillion in student loan debt right now. Those that are in the pew\u2014it gets at their heart; because there's a direct tie there, but they're also <em>struggling<\/em> with it.\n\n<strong>Ann: <\/strong>Well, I'm thinking: \u201cNot only are they struggling as people individually, but you're having two people sit together, that are married, that might come from totally opposite views and backgrounds in how you handle money. Not only do you have that going on, individually; but now, you have a marriage crisis, where it can really affect your relationship with your spouse.\u201d\n\n<strong>Bob: <\/strong>And for most people, whether you have different views in a marriage or not, most people do have this perspective: \u201cThe money in the bank account or in my wallet\u2014that\u2019s mine.\u201d\n\n<strong>Ann: <\/strong>\u2014\u201cmine.\u201d\n\n<strong>Bob: <\/strong>I remember hearing a pastor say one time: \u201cThe question is <em>not<\/em>, 'How much of my money do I give to God? The question is how much of God's money should I keep for myself?'\u201d\n\n<strong>Dave: <\/strong>That'll preach.\n\n<strong>Bob: <\/strong>That whole realignment of our thinking to go: \u201cI'm not an owner; I'm a steward. I'm a <em>manager<\/em> of the assets\/the resources God has entrusted to me, and I need to be a wise steward.\u201d That's a paradigm shift that starts to redirect the way you think about <em>everything<\/em> in your finances; right?\n\n<strong>Art: <\/strong>That's right. Consider the story of the widow's mite or the widow's gift. Jesus and His disciples are sitting there in the Temple, watching these seemingly very well-to-do people drop off <em>huge<\/em> money bags for their offering. There walks in a lady with two coins, and she puts it in the offering. Jesus looks at <em>this<\/em> lady and says: \u201cHey, do you see her? She's the one who gave more than <em>any<\/em> of these.\u201d\n\nNow, why would He say that? Was she on the\u2014if you looked at a Temple rating's giving\u2014was she any where near the top?\u2014no, no, no. She would have been absolutely toward the bottom. Jesus cared more about what was still left at home than what was in the offering plate; because in God's economy, the amount of sacrifice <em>always<\/em> supersedes amount given. What she had put in there represented something far more significant than what the wealthy gave.\n\n<strong>Bob: <\/strong>Say that again: \u201cThe amount of sacrifice supersedes the amount given.\u201d\n\n<strong>Art: <\/strong>\u2014\u201cin God's economy.\u201d\n\n<strong>Bob:<\/strong> Explain that.\n\n<strong>Art:<\/strong> In God's economy\u2014the way that God looks at us and the way that God views our relationship with money\u2014in God's economy, the amount <em>sacrificed<\/em> always supersedes amount given. You can give a million dollars and that means <em>nothing<\/em> in God's economy. At the same time, you can give two coins and that can mean <em>everything<\/em>.\n\n<strong>Bob:<\/strong> Are you saying that it's got to <em>hurt<\/em> for it to matter?\n\n<strong>Art: <\/strong>Sacrifice\u2014when we look at generosity in the Bible\u2014sacrificial giving is a component of that. You can go to 2 Samuel 24:24, where David is being offered land and animals\u2014everything that he needs for a sacrifice that he is about to make. His response is very telling\u2014he said, \u201cNo, I'm not going to take that; because I will not offer to God anything to God that costs me nothing.\u201d\n\nOnce again, it's this idea that: \u201cYes, giving should cost you something. It should hurt a little bit.\u201d\n\n<strong>Bob:<\/strong> Well now, every time I give, I'm sacrificing; because I could keep that and spend it on myself. Is it like I've got to <em>feel<\/em> the pain for God to go, \u201cOkay, <em>now<\/em> we're talking.\u201d\n\n<strong>Ann: <\/strong>Yes; so that you're going above, maybe, your ten percent; but you're really feeling it?\n\n<strong>Bob:<\/strong> Maybe, at 40 percent, you're not feeling it. Is it like I've got to come home and go, \u201cMan, I can't have this [a desire]; because I gave that money\u201d?\u2014I've got to be kind of\/have a little grudge on my shoulder or God's not happy?\n\n<strong>\u00a0<\/strong>\n\n<strong>Art: <\/strong>No, grudge would be the wrong word; [Laughter] because another component of giving is that we're to be cheerful givers; right? Now, we're looking at\n\n2 Corinthians 9:7\u2014we're not to give reluctantly or out of compulsion because He loves a cheerful giver, which also makes me think about the widow and her gift. I can't help but think\u2014originally, I used to view her, just in my head, as this very downtrodden\/just miserable woman, walking into the Temple.\n\nAs I've thought more about that\/about that image, I couldn't help but think that I was just totally off in my thinking\u2014how I viewed her. More than likely, she would have probably been the happiest person in that Temple. More than likely, she was giving fist bumps and high fives on her way to giving that gift, because God loves a cheerful giver. There's no way that Jesus would have pointed out a miserable giver as our example for how we should then give.\n\n<strong>Bob: <\/strong>Okay; so if we're talking to people\u2014and 40 percent of them don't have $400 for their next emergency, and they've got student loans, and they've got debt that they're dealing with\u2014and now, we're saying, \u201cWell, you need to give until it hurts.\u201d They're going, \u201cI'm just turning the radio off; and I'm going to find a music station [Laughter] that's playing Chris Tomlin, where I can just worship the Lord.\u201d\n\nWhat do you say to that couple, that's going: \u201cWe're just getting started. I mean, to give $20 next week at church is going to hurt.\u201d\n\n<strong>Ann: <\/strong>I would add with that Bob: \u201cA lot of people, at that point, the <em>last<\/em> thing they do is give.\u201d\n\n<strong>Bob: <\/strong>\u2014instead of the first thing?\n\n<strong>Ann: <\/strong>Yes.\n\n<strong>Art: <\/strong>That's absolutely right. The majority of those who give\u2014it's an afterthought. It's after all the expenses have been paid off\/all the bills have been met\u2014whatever's left in the account\u2014that's what they give.\n\nThe Bible teaches something totally different. That's where I would\u2014to answer your question, I would have to go to what Scripture says. This isn't an Art Rainer\u2019s command or teaching, but this is something that's derived out of the Bible. What we don't see is an exclusion clause when it comes to generosity. There's never a \u201cWell, you don't have to give if\u2026\u201d It's always: \u201cGive first, then save, then live appropriately.\u201d\n\nWhile it's a tough teaching, you can't avoid it. God has designed us\/He's wired us for generosity, and He uses us in that way to advance His kingdom. I've had conversations with couples about this very issue.\n\n<strong>Bob: <\/strong>Sure.\n\n<strong>Art: <\/strong>My encouragement to <em>them<\/em> is to: \u201cStart somewhere.\u201d In the book, <em>The Marriage Challenge<\/em>, I introduce the concept of the \u201ctake-of.\u201d What I encourage couples to do is to start with one percent for the first, maybe, one to three months: \u201cJust do one percent of your gross income, and see what happens.\u201d I've yet to have somebody come back and say, \u201cNo, we just can't one percent.\u201d Because, first of all, one percent is a lot less than they realize; and then, God starts to do something in their lives, because they start to align themselves with God's design for them and their finances.\n\nSo, go from one percent, and over the next few months do two percent; and then do five and seven. And then after about a year\u2014in month twelve\u2014get yourself to that ten percent mark, and see where you're at. It's amazing what God does in the lives of those who trust Him with their financial resources, even when they feel like they simply can't give.\n\n<strong>Dave: <\/strong>You would say to do that even though they've got massive debt.\n\n<strong>Art: <\/strong>Absolutely.\n\n<strong>Dave: <\/strong>You're like, \u201cOkay, you're still trying to pay some debt; but you're not doing that without giving to God.\u201d You're saying, \u201cYou start, first, with generosity.\u201d\n\n<strong>Art:<\/strong> I say that\u2014once again, not because Art Rainer said that; but because that's what we find in the Scripture, and it's just unavoidable; and then, trust God with that.\n\n<strong>Dave: <\/strong>What do you say to the couple\u2014because your book is about money <em>and<\/em> marriage\u2014that they disagree? You know\u2014you've got one saying, \u201cI want to pay down the debt.\u201d\n\n<strong>Ann: <\/strong>This was my mom and dad. Like my mom was very\u2014\u201cLet's give\u201d; and he said, \u201cNo, we're not going to do that.\u201d They were always in this conflict.\n\n<strong>Bob:<\/strong> I talked to a couple one time, and the wife was <em>furious<\/em>. They had $25,000 in debt. They'd been to hear the missionaries at church, and the husband wrote a $100 check. She was like, \u201cThat's irresponsible for us to give to the missionaries just because you were emotionally moved when we've got $25,000 in debt.\u201d\n\n<strong>Dave: <\/strong>So, let's let Art answer this question. [Laughter]\n\n<strong>Art:<\/strong> I have a lot of empathy for those that are facing those types of challenges. It's easy for me to say, \u201cJust give.\u201d But knowing that there's always a real pain that occurs with that\u2014that it's not always an easy thing for that couple to do. If there's disagreement, I'd encourage them to dive into Scripture and just see what the Bible actually says about\u2014not just generosity\u2014but money in general. Start <em>learning<\/em> about that. I'm confident that, as they learn more about what God's design is for money, they are going to find that it starts with generosity.\n\n<strong>Ann:<\/strong> And if one has no faith, and doesn't want to look into Scripture, how would you help them?\n\n<strong>Art: <\/strong>I would continue to have the believer spouse continue to look at Scripture and pray for their spouse\u2014that they would then see what they see.\n\n<strong>Dave: <\/strong>\u2014or they could pick up a <em>really<\/em> good book.\n\n<strong>Bob: <\/strong>Yes, that's what I'm thinking.\n\n<strong>Art: <\/strong>I wasn't going to say that, but now that you all are\u2014[Laughter]\n\n<strong>Bob: <\/strong>If a husband and wife, together, read through <em>The Marriage Challenge<\/em>\u2014I love the fact that you start by saying: \u201cLook, the goal of marriage is oneness; so if you're divided on this issue, what we want to get you to is oneness; so let's talk about this stuff together; let's see what the Bible says. The way to get to oneness is not: \u2018You bend to what I think, or I bend to what you think. The way to get to oneness is we come into alignment with what God thinks.\u2019\u201d\n\n<strong>Ann: <\/strong>This is a great conversation to have <em>before<\/em> you get married.\n\n<strong>Bob: <\/strong>Yes.\n\n<strong>Art: <\/strong>That's right; because it answers the question of what marriage should be or what it should look like. And then also knowing that finances are such an important part of a marriage. When you look at the statistics on marriage and money, they're pretty dire.\n\nThere's one study that I looked at that said that 57 percent of divorced couples point to finances as their reason. Whether it's number one or number two, money is always up there when you look at the statistics on divorce.\n\nSeventy percent of couples say that they argue about finances. Forty-two percent of couples admitted to what's called \u201cfinancial infidelity\u201d\u2014lying about financial matters to your spouse. Forty-two percent of individuals said that they spent $500 or more on something that their spouse did not know about\u2014that they hid a purchase. Six percent said that they had secret accounts that they did not let their spouse know about.\n\nEven if it's, \u201cHey, I just want make sure that I have a good marriage,\u201d\u2014knowing the statistics on finances and marriage should drive you to, hopefully, better understand money and God's design for it.\n\n<strong>Dave: <\/strong>I just want to know if anybody in this studio has a secret account. [Laughter] I'm just looking around\u2014okay; good.\n\n<strong>Bob: <\/strong>That's right!\n\n<strong>Ann: <\/strong>I wish I had a million dollars in an account. [Laughter]\n\n<strong>Dave: <\/strong>I wish you did, too!\n\n<strong>Bob: <\/strong>I think we can all agree that even more important than having a million-dollar account is thinking, biblically, about the money that God's given us; right? I mean, that's the point that your book makes, Art; and I think it's the most important point. We've got to be faithful with what God gives us and handle it appropriately. That's at the heart of the book, <em>The Marriage Challenge: A Finance Guide for Married Couples.<\/em>\n\nWe have copies of Art's book in our <em>FamilyLife Today <\/em>Resource Center. I would encourage you\u2014whether you're in a good place financially or you're facing challenges financially\u2014this is just a <em>great<\/em> way to think, biblically, about money. To get a copy of this book\u2014go through it together as a couple or go through it with other couples in a small group setting\u2014go to FamilyLifeToday.com to get a copy. Again, the book is called <em>The Marriage Challenge<\/em>; or you can call 1-800-FL-TODAY to order. Again, our website is FamilyLifeToday.com; or call 1-800-358-6329 to order your copy\u2014that's 1-800-\u201dF\u201d as in family, \u201cL\u201d as is life, and the word, \u201cTODAY.\u201d\n\nYou know, dealing with money and finances is just one of the realities of life for all of us, whether it's managing a household or managing a ministry like FamilyLife<sup>\u00ae<\/sup>. FamilyLife is a ministry that depends on the generosity of listeners for us to be able to do what God has called us to do. We have to be wise managers\/wise stewards of these financial resources. Our team is committed to biblical stewardship when it comes to the gifts that we receive from listeners, like you.\n\nWe want to get the absolute most we can, in terms of ministry value, out of every dollar that is donated to support this ministry. Thanks to those of you who have, in the past, made donations to support the ongoing work of <em>FamilyLife Today.<\/em> Thanks to our Legacy Partners\u2014those of you who give each month for the ongoing needs of this ministry\u2014we are so grateful to you.\n\nIf you can help with a donation today, we'd like to say, \u201cThank you,\u201d by giving you digital access to one of our small group studies on money\u2014it's called <em>Mastering Money in Your Marriage<\/em>, written by Ron Blue. This is a six-week study that you can go through together, as a husband and wife, to again sharpen your biblical thinking about money; or you can use this is a small group context.\n\nAgain, we'll provide you with digital access to the study guide when you make a donation to support the ministry of <em>FamilyLife Today<\/em>. Go to FamilyLifeToday.com to donate, or call 1-800-FL-TODAY. Thanks for your partnership. Thanks for helping us reach more people, more often, with practical biblical help and hope for marriages and families. We appreciate you.\n\nWe hope you can join us again tomorrow when we're going to keep talking about you and your money\u2014and talk about whether it's smart to have separate bank accounts for husbands and wives: \u201cIs there ever a time when that makes sense?\u201d and \u201cWhat's the problem with it, if you do it?\u201d Art Rainer joins us, again, tomorrow. I hope you can join us as well.\n\nI want to thank our engineer today, Keith Lynch, along with our entire broadcast production team. On behalf of our hosts, Dave and Ann Wilson, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>.\n\n<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas; a Cru<sup>\u00ae <\/sup>Ministry. Help for today. Hope for tomorrow.\n\n<strong>\u00a0<\/strong>\n\nWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\n\nCopyright <sup>\u00a9<\/sup> 2019 FamilyLife. 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