What does it really mean to trust God with money when you’re 69, still working, and wondering if it’s too late to retire? In this episode of A Financially Confident Christian, I read a heartfelt letter from a woman approaching 69 who is still carrying shame from losing her mother’s inheritance in a church-related scam 18 years ago. Despite having around $100,000 in retirement savings, $25,000 in savings, and Social Security income, she fears she may never be able to stop working because she expects a $1,000 monthly gap in retirement. We address her questions about finding a trustworthy Christian financial advisor and whether she should pursue a product idea.
I explain that facing a financial gap does not mean giving in to fear or believing the future is hopeless. I encourage you to clearly identify the $12,000 annual gap, consider lighter part-time work, explore savings or IRA options, and “fence” discretionary spending so your money has a clear purpose. I also share practical ways to vet a financial advisor, including checking fiduciary responsibilities, understanding fees, confirming the use of third-party custodians, and using resources such as BrokerCheck and SEC tools. Most importantly, we connect these practical financial steps to Matthew 6:24-34, encouraging you to take responsibility for today without allowing fear about tomorrow to control your life. We close with a prayer and announce the upcoming weekday live show, Becoming Financially Confident, launching Monday, August 31 at 11:30 AM Eastern.
Read today's blog:
https://www.financiallyconfidentchristian.com/live-out-matthew-6
https://www.financiallyconfidentchristian.com/blog/worrying-about-money
Podcast Timestamps:
00:00 Lorraine’s Painful Story
00:31 Welcome and Big Question
01:42 Reading Lorraine’s Letter
06:54 The Comeback Number
08:14 Name the Gap
09:47 Trade Job Not Paycheck
11:09 Fence Spending Habits
12:57 Vetting Financial Advisors
16:15 Schedule Your Worry
17:46 Test the Product Idea
19:43 Calling Beyond the Loss
23:20 Matthew 6 and Today’s Trouble
24:12 Prayer and Key Takeaways
26:28 New Live Show Announcement
27:41 Closing and Next Episode
BrokerCheck: https://brokercheck.finra.org/
Investment Adviser Public Disclosure: https://adviserinfo.sec.gov/
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The Ask Ralph Media Podcast has been honored as the Best Christian Finance Podcast in the U.S. for 2025 by Best of Best Review. This prestigious award recognizes the show’s unwavering commitment to blending biblical wisdom with practical financial guidance, empowering listeners to make wise money decisions rooted in faith. Through its concise, impactful 10–12 minute episodes, the Ask Ralph Podcast has inspired and equipped audiences nationwide, standing out among countless voices in the finance and faith space.
https://bestofbestreview.com/awards/ask-ralph-media-inc-best-christian-finance-podcast-in-the-u-s-of-2025
