What are the biggest financial questions people keep asking—and are we answering them the right way?

The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart.

Sharon Epps, president of Kingdom Advisors, joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents.

The Questions People Keep Asking

As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are:

How much is enough?
How do I prepare the next steward?
How do I give intentionally?

Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust.

How Much Is Enough?

At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure.

But beneath the question is often a deeper concern: Will I be okay? Will my family be okay?

That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace.

A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness.

Preparing the Next Steward

Another question many people ask is, “How do I prepare the next steward?”

This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime.

That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness.

Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includes biblical wisdom, godly character, and a clear understanding of how to steward resources.

As Ron Blue has often said, estate planning is incomplete if it only focuses on wealth transfer. The greater goal is the transfer of wisdom before wealth.

Giving Intentionally

The third question Sharon says advisors frequently hear is, “How do I give intentionally?”

This question moves generosity beyond impulse or obligation. It invites us to think carefully about how God may be calling us to use what He has entrusted to us for His Kingdom.

Intentional giving requires prayer, planning, and a willingness to align our resources with our deepest convictions. It asks not simply, “How much can I give?” but “How can my giving reflect God’s generosity and advance His purposes?”

A Resource for Deeper Stewardship

These recurring questions helped inspire FaithFi’s new Field Guides—practical resources designed to help people work through major financial questions with both technical clarity and biblical wisdom.

The first Field Guide, How Much Money Is Enough?, helps readers think carefully about contentment, provision, and defining “enough” through a biblical lens.

Because the questions we ask about money often point to deeper matters of the heart, we need more than financial information. We need wisdom rooted in God’s Word.

To receive a copy of the first FaithFi Field Guide, How Much Money Is Enough?, become a FaithFi Partner by supporting the ministry at $35 a month or $400 a year. Learn more at FaithFi.com/Give.

On Today’s Program, Rob Answers Listener Questions:

In my divorce, I was awarded my ex-husband’s tax-deferred savings plan. It was originally $14,000 and grew to about $17,000 before being transferred to another bank. In 2020, when I tried to access the money, the bank said they couldn’t find it in their system and suggested it might be in storage records. They still haven’t located it. What steps can I take to recover those funds?
I’m 56, a state employee, and about to take early retirement. I’ll have healthcare covered, a pension of about $1,400 a month, and I’m moving into a private-sector job that pays more than I make now. My only debts are a $148,000 mortgage at 6% and an $11,000 home equity line at 7%. Should I invest the pension for retirement in about 10 years, or use it to pay down debt?
I’m turning 65 in June. I received a Social Security letter stating that if I respond between December 1, 2025, and June 1, 2026, my claim would start at age 64½, backdated to December, rather than age 65. Since I didn’t start this process, why would they begin my benefits at 64½ rather than letting me claim at 65?
My wife recently left a job after 30 years and is starting with a new company. We’re considering rolling her old retirement plan into an IRA at Schwab, but she wonders whether the money will grow more slowly if it’s split between an IRA and her new employer’s plan. Does retirement money need to be in one account to ‘grow together,’ or is it fine to keep it in separate accounts?

Resources Mentioned:

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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