Financial Grace Radio Archives

Listen Live on the Christian Women Affiliate Network or listen to the archives below.  If you have a question you’d like to have addressed on Financial Grace Radio let me / us know.  Make sure you subscribe to our community to get all the updates on upcoming shows and more!

You can listen to the introductory show here!


 

September 15th, 2014:  Where and How to Start When You’re Making Financial Decisions

Jeremiah 29:11 tells us that God knows the plans He has for us; to prosper and not to harm, and for a hope and a future. But on a day-to-day basis, in our current financial reality, how this plays out is not always easy. There are regular bills to pay, and unexpected ones that seem to come up at the most inopportune times. On top of this there is a steady stream of new ways to spend money and more and more financial products, strategies and factors that need to be considered for daily spending, borrowing, saving, investing, and earning money. Overwhelm, fear and scarcity thinking are more common than the peace of God that surpasses all understanding.

On Today’s Show Sam will share some practical ways you can stay focused on the Lord as your provision as you face whatever large or small financial decision is in front of you.


September 22nd, 2014:  Where Are You Going Financially?

Ephesians 3:20 says, “Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us”. With this in mind, on today’s show we’re going to explore what are your immediate, intermediate and long-term objectives based on what really moves your heart not just what you can see based on your current circumstances or ‘magazine marketing’? As always on Financial Grace, the concepts will be inspiring, encouraging, practical and transforming as host, Sam Piercy, connects personal experience, professional strategies and biblical reality to demonstrate how to put numbers and dates through prayer to create financial plans that help you realize goals beyond what you previously thought possible.


September 29th, 2014:  Your Personal Money Diagnosis Today

Matthew 10:30 And even the very hairs of your head are all numbered. If God numbers and plans the universe, it seems important that we do also. Unfortunately many people are afraid or don’t think it’s necessary, or don’t know where to begin to gather and organize financial information.

It’s important to have a summary of all the details of assets, liabilities, income, and expenses with dates, rates, payments in writing to reflect your immediate and future situation. These details can then be analysed to reflect current plans and future potential activities.

All this might not seem like a necessary step since you know the situation in your head, but by strategically mapping out the financial situation you get a fresh perspective on it and create opportunities for blessing that you wouldn’t have other wise noticed. Join us as we look at the when, how, and what to gather financial information on.


October 6th, 2014:  Implementing Effective Money Systems 

Hebrews 11:1 Now faith is confidence in what we hope for and assurance about what we do not see.

We all want to see the future – and financially there is an incredibly strong pull to want to see that there will be enough money to pay the bills, maintain your lifestyle and enjoy pursing some of the interests and passions that are important to you. But God wants us to have our assurance in him. Ok – so what about the bills is what I struggled with for a long time and what everyone asks me?

Setting up efficient banking and record keeping systems lays the foundation for the flow of money and out of your household. It might not seem logical or necessary, but it creates the conduit so your efforts can be focused more on the plans and purposes God has for your life. How you bank and spend money is important in connecting faith, ideas, plans and activities that you can’t see with the financial resources necessary to see them become reality.


October 13th, 2014:  Developing Good Money Habits (not what you think

Proverbs 24:27  Put your outdoor work in order and get your fields ready; after that, build your house. Having a pre-determined earnings allocation strategy creates an efficient and effective system for God to work through your life and money.  How do you ‘pay yourself’ and your bills and contribute to causes you believe in all at the same time?  How do you do this without feeling like you have to squeeze an already squeezed ‘budget’?  Developing good money habits doesn’t mean condemning yourself to a life of sacrifice, stress and struggle.


October 20, 2014: Earn Sustainable Income to Fuel Your Lifestyle AND Your Passions and Purposes

James 1:27 Religion that God our Father accepts as pure and faultless is this: to look after orphans and widows in their distress and to keep oneself from being polluted by the world.

Earning income doesn’t have to mean giving up time to pursue your passions and interests and priorities. It doesn’t require you to do some sort of scheme and it doesn’t mean working harder or longer. It does mean you have to listen to the Holy Spirit and you have to adopt a financially creative mindset to see opportunities everywhere, all the time. You can invest time, talent, interests, and skills to create income starting with next to nothing. This approach increases wealth for yourself and others in order to create more income which increases wealth and so on. In this episode we’ll discuss how you can create a lifetime of income at whatever level is required to support your lifestyle starting with just $10 and how you can turn that $10 into over $40k within a year without gimmicks, sales pitches, fancy products or investment schemes!!


October 27, 2014:  Build a Winning Team 

Mark 3:13-14 Jesus went up on a mountainside and called to him those he wanted, and they came to him. He appointed twelve that they might be with him and that he might send them.

Your team includes friends, family, and professional advisors from applicable industries, plus your network of fans, clients and prospects. Developing a supportive network of financial professionals as well as friends and associates involves listening to Holy Spirit and intentionally cultivating relationships with like-minded people who share your values and understand your passion, purpose, financial situation and direction.


November 3, 2014:  Anticipate and Minimize Financial Risks

Job 13:14 Why do I put myself in jeopardy and take my life in my hands?

Adequate insurance, savings and loss protection strategies help reduce stress and potential loss during your lifetime, and establish your legacy after death. But did you also know that insurance can provide you with amazing financial savings and accelerated financial strategies to streamline access to cash, minimize tax and interest, and also increase your overall networth? Plus, planning for risks also means planning for opportunities! Beyond insurance is a completely different mindset for contingency planning to facilitate ‘once in a lifetime’ opportunities.


November 10, 2014:  Credit and Debt:  Friend or Foe?

Matthew 25:16-18 says, “The man who had received five bags of gold went at once and put his money to work and gained five bags more. So also, the one with two bags of gold gained two more. But the man who had received one bag went off, dug a hole in the ground and hid his master’s money”.

The parables of the talents in Mathew 25 and Luke 19) tell us a lot about what debt CAN do for us on the positive side.  But, we also know too well that debt can sabotage your life today as well as you future.  While credit can multiply results when this powerful tool is used effectively it’s not God’s plan that we gamble with it to try to make a quick financial fix to accumulate more money.  How and where does credit fit into God’s plan when he says in Deuteronomy 15:6 and again in Deuteronomy 28:11-12, “You shall lend to many nations, but you shall not borrow”?  Where do you start if you currently have non-productive debt?


November 17, 2014: Investing to Produce Income

Genesis 41:57 And all the world came to Egypt to buy grain from Joseph, because the famine was severe everywhere.

When you initially apply active income producing activities to real estate, income producing stocks and businesses you can develop systems to provide passive income throughout your life. When you’re building your assets your objective is to build income producing assets first. Those will run through your other financial systems as part of your financial foundation which helps to grow your wealth which enables additional income to be produced which created more income, and so on…This week we’re going to explore ‘how to do this’ particularly if you’re starting with minimal funds!


November 24, 2014: Establishing Investments for Long Term Growth

Luke 12:18-21 “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’  “But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’  “This is how it will be with whoever stores up things for themselves but is not rich toward God.”

Long term growth doesn’t mean sacrificing income today in order that you will enjoy life and serve others through volunteer work later. Long term growth investments for financial sustainability supports the foundation of solid income producing assets already in place.


December 1, 2014: Creative Money Strategies

Mathew 7:7-8 says, “Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.  For everyone who asks receives; the one who seeks finds; and to the one who knocks, the door will be opened”.

AFTER you have implemented a solid foundation of faith and finances, you’ll find the Holy Spirit showing you opportunities you didn’t know existed before.  You’ll also find that God provides you with the resources and ability to take advantage of the ones that are right for you!  Instead of ‘once in a lifetime opportunities’ that require you to jump through hoops and hold your breath praying they’ll pay off so you can finally relax and ‘live happily ever after’ the Lord will reveal His plans for you and your finances and lead you on a straight and narrow path that develops your relationship with Him, while also reaching His people and bringing glory to Himself.


December 8, 2014: What is Holding You Back?

Matthew 11:28 says, “Come to me, all you who are weary and burdened, and I will give you rest”.  When it comes to finances, however, there is always an underlying question of ‘how’?

The answers for finding rest in Jesus in the middle of financial turmoil is not just physical, meaning how are you going to find the money to pay for whatever it is you need to pay for?  The answers are also not just to emotionally ignore the situation.  There is a spiritual truth that exists for handling financial issues just as much as it exists for health and relational issues.  This week we’re going to explore the ‘how’ to rest in the Lord physically, emotionally, and spiritually when you’re dealing with ALL your finances, from everyday spending to something that seems like a huge mountain to be overcome.


December 15, 2014:   Your Golden Goose

There is a popular fable about a goose that laid golden eggs. There are several morals and popular sayings that have come out of the story, one of which is, “ Don’t kill the golden goose”. Jeremiah 17:8 says, “He is like a tree planted by water, that sends out its roots by the stream, and does not fear when heat comes, for its leaves remain green, and is not anxious in the year of drought, for it does not cease to bear fruit.”

The lessons we can learn from the fable and the verse in Jeremiah have many applications in finance today. Earning your income is one, selling your assets is another. Today on Financial Grace Radio, we’re going to explore what are your ‘golden geese’ today and how to decide when to sell them and when to keep them.


December 22, 2014:  Talking (or not talking) about Money

Ephesians 4:15 tells us that we are to speak the truth in love. Ordinarily we’d interpret a verse like that to have relevance when we’re approaching someone about a potential conflict. But regarding finances, I have come to know it also as a directive that is particularly relevant to the second part of the verse which tells us why?: So that “we will grow to become in every respect the mature body of him who is the head, that is, Christ”.

What I have experienced in my own life and with countless people I have worked with over the years is the interesting stronghold that Satan gains in people’s lives by convincing them to keep secrets about money. The secrets can be small like not being completely honest about how much something cost or larger like not telling your spouse that you lost your job or your life savings in a bad investment.

Not talking about money can also manifest itself as a fear of calling creditors or financial advisors to ask about an issue or tell them of a change in your situation. If you don’t follow through with a conversation about your situation you give power to the devil and also block the Lord from shining His light into the situation. In my experience, every single time a situation is revealed in such a way that it is ‘spoken about in love’ the magnitude of the issue is minimized and solutions are realized!!

This week we explore different scenarios for how to talk about money with various people in your life, from call-centre operators at the bank, to your spouse, children, boss, financial advisor, friends, etc.


December 29, 2014:  New Beginnings

Revelation 21:5 says: “He who was seated on the throne said, “Behold, I am making all things new. Also he said, “Write this down, for these words are trustworthy and true.”

In my life Christmas has been a time of new beginnings for several years. It wasn’t always that way though. It used to be that New Years’, my birthday and the start of the school year were significant calendar dates for fresh starts. As my relationship with the Lord became more prominent in my life, the calendar dates for Christmas and Easter became more significant in my life. Several years ago several days before Christmas as I was preparing for my annual wrapping extravaganza where I will put on a movie and / or Christmas music and blitz through several hours of present wrapping. I cherish this time as it is a time of reflection and prayer for my family and closest friends as I wrap and decorate each gift.

On this particular year my friend suggested that if I hadn’t seen the movie ‘The Star of Bethlehem’ that I might enjoy watching it while I wrapped. I made a pit-stop at the store to pick up the movie and gathered all my wrapping materials and began the process. Except that several minutes into the movie I realized that it was something I needed to watch with my family. The wrapping stopped and so did whatever else was going on in the house at that time. Less than an hour later the 3 of us were picking our jaws off the ground as we sat in silence, overwhelmed at the magnificence of our Lord!

The Bethlehem star is a huge symbol of Christ’s birth that plays prominently at Christmas time as we celebrate the beginning of His life on earth. The stars in the sky are a significant piece of God’s handwriting. As the movie The Star of Bethlehem so beautifully documents they are trustworthy and true. As such, we can (and should) model our lives after what God has demonstrated for us. This week on Financial Grace we will discuss financial new beginnings that start in the middle of your current lifestyle. Why? Because when it comes to money, typically you already have existing and expenses and financial obligations so that when you set a goal (even a non-financially related goal) there has to be a consideration for your current family and friends and situation in order to effectively follow ‘the star’ to experience the new life the Holy Spirit is directing you towards.


January 5th, 2015:  Yes, But… 

Hebrews 11:1-3 tells us that “Faith is confidence in what we hope for and assurance about what we do not see…By faith we understand that the universe was formed at God’s command, so that what is seen was not made out of what was visible”.

Yes, but what about the bills? Where’s the money going to come from to do this or that? How am I going to be able to afford this or that?

Isn’t this how it happens in real life? You read God’s word, then say to yourself, “I believe you and trust you God, but my circumstances are…” Today on Financial Grace we’re going to explore the relationship between hope and faith as it relates to God, money and real life today.


January 12th, 2015:  Confusion or Clarity?

God’s spirit isn’t complicated, technical or confusing. It’s simple and powerful. It’s capable of healing the sick, raising the dead, cleansing leapers, and driving out demons (Mat 10:8). It’s certainly capable of helping you peacefully and successfully navigate today’s world of finance. “For the Spirit God gave us does not make us timid, but gives us power, love and self-discipline” (2Tim 1:7). Often we’ll look at a financial situation and based on personal experience make a decision about how to handle it. Then we might begin to act on that decision and hear an alternate view from someone else. At that point, you have a dilemma. This situation happens with investments, real estate, insurance, mortgages, credit strategies, car buying, holidays and everyday shopping. If you set out to purchase something then hear that something else is better quality or better suited for such and such, then you have to make a decision. How you peacefully and successfully navigate the day-to-day decisions is important for navigating the larger ones. There are some practical, strategic tools you can use to assist you in making financial decisions and carrying on your financial life with the presence of the Lord. Join me as I share from professional and personal experience to help you stay focused and peaceful when money issues threaten to pull you away from living and receiving the Lord’s blessings for your life.


 January 19th, 2015:  Its’ Never Too Late

No matter how old you are, what’s happened (or not happened) in the past, God has a plan for good. The third week of January is typically when credit card statements start arriving with the bills from December shopping. It’s also when the routine of day-to-day work is now back to pre-holiday normal and the enemy has a way of using these things to plant seeds of doubt, despair, hopelessness and a whole host of other negative thoughts. The reality is that it doesn’t matter what time of the year, what day of the week, or what time it is – period.

Galatians 6:9 tells us to “not grow weary of doing good, for in due season we will reap, if we do not give up”. “And we know that in all things God works for the good of those who love him, who have been called according to his purpose” (Romans 8:28). These are the things that matter.

This week on Financial Grace, we’ll talk about some strategies for dealing with the financial realities of life. We’ll explore some non-financial strategies such as the time of day and where and how you look at your finances as well as some creative ideas around starting over.


 January 26th, 2015:  In Whom or What do you Trust?

Proverbs 3:5-6 tells us to “Trust in the LORD with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight”. If you’ve been to church several times in your life you will have heard this and maybe even committed it to memory. When it comes to money, however, there is a frightening acceptance of a trust in money, not God.

You see it’s easy to make plans and to dream based on what you can see and think is financially possible. Yet, that’s not how we’ve been called to live. We have been called to trust Him and to lean on Him in ALL our ways! This week we’re going to dive in to the ‘hot topic’ of retirement! It is not God’s plan; never has been; and He has a better way if we will turn from the current world view back to Him as our provider for our financial needs throughout our lifetime!


February 2nd, 2015:  Why Get Out of Debt Will Keep You Broke? 

Ok – it’s time to say it like it is. If we continue to think that getting out of debt is the way to financial freedom we are seriously mistaken and actually buying in to Satan’s plan to sabotage God’s people. Deuteronomy 15:6 and 28:2 clearly tell us that Gods people will lend to many nations and have no need to borrow from anyone.

Before I am misquoted and misunderstood on this critical issue, let me be absolutely clear that I wholeheartedly believe that non-productive, expensive debt will keep you in slavery. We have an entire society experiencing that horrible bondage right now and devt clearly needs to be addressed. But to be absolutely clear, the answer is not to reinforce scarcity, guilt, intimidation and pride at your ability to control your spending to get this horrible thing gone from your life.

Debt is neither good nor bad, it just is! And, it is an extremely powerful tool that needs specialized knowledge to learn to use and manage effectively. Today on Financial Grace we’re going to look at the problems with the current obsession with ‘get out of debt’ alongside the problems that debt brings to lives, families and our society. Most important, however, is that we’re going to look at the simple secret that’s not what you hear others talking about that can dramatically increase your debt reduction while also increasing your emotional and financial freedom right away! This secret is critical because it addresses the very reason debt was accumulated in the first place!


February 9th, 2015:  Inheriting the Land / Home Sweet Home

I heard a long time ago that one of the primary goals people in western society have is to own their own home. Throughout the Old Testament we have story after story of God’s promised land and the various trials and struggles God’s people endured as they entered the promised land. In the New Testament we learn that the promised land is Jesus indwelling in us and there is a whole lot of theology around this that is not the subject of our discussion today.

For the purposes of Financial Grace in relationship to God, Money and Real Life our home is where we rest and are restored and protected. Our home is supposed to be our safe haven. Because Jesus lives within us, our homes can be anywhere we are. However, it seems to me that throughout all of history ‘the promised land’ or in our language today, our ‘own home’ is a strong desire of our heart. As we’re told in Psalm 37:4 that if we delight ourselves in the Lord, he will give us the desires of our heart.

This week on Financial Grace, we’re going to talk about homes, buying them, renting them, maintaining them, protecting them, selling them, investing in them, and all sorts of financial issues involved with living and maintaining our home in a way that strengthens our relationship with the Lord and assists us in being people He can work through to bring His glory to earth!


February 16th, 2015:  Fight or Flight 

Philippians 1:6 tells us that “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus”. However human nature tends to opt for the ‘flight’ response in times of stress. Financially this shows up again and again with people doing just about anything to try to alleviate financial pressures. Selling assets or filing bankruptcy are the 2 extremes. When we walk with the Lord He has planted the seeds and laid out the path ahead of us so He knows where He’s taking us.

On our own we can tend to get stuck between wanting to fight and carry on and being afraid and wanting to run. A pastor friend of mine just recently explained this conundrum and how it renders us almost paralysed because we aren’t able to see clearly or make good decisions. This is where he went on to explain something he calls, the ‘wisdom / revelation graph’ where we require both knowledge and wisdom to make decisions to deal with the financial ‘mountains’ in our life.

This week on Financial Grace, we’re going to discuss this topic personally, as I have just experienced another disappointment that has caused me to press hard into the Word; reach out for prayer; dig deep for information; and pray hard for strength and wisdom to carry on the work that He has begun in me.


February 23rd, 2015:  Spend, Spend, Spend

Isaiah 55:2 asks, “Why do you spend your money for that which is not bread, and your labor for that which does not satisfy? Listen diligently to me, and eat what is good, and delight yourselves in rich food”.

Hmmm…the subtitle of this chapter in Isaiah is “An Invitation to the Thirsty”. The bible has thousands of verses on financial principles, but what about the details? The things that for the most part are not part of a financial planning discussion and come together at the spur of a moment or based on convenience or circumstances at the time.

This week on Financial Grace we’re going to discuss some details about spending money. If you earn $1000 where is it deposited? If you spend $100 where, when and with what do you pay for it? If you spend $10,000 how do spend that money? And if you spend $100,000 or more how do spend that? There is order and harmony in God’s plan and accessing cash requires order and harmony – not restricted systems that reinforce scarcity and fear, but efficient, flexible, simple systems.


March 2nd, 2015:  Taking a Break 

If you feel like you’re walking in the wilderness and keep running into the same situation again and again, conventional wisdom says, ‘stop’. But, don’t’ keep doing whatever it is that’s causing the repeat situation. And, if you don’t actually know what’s causing the situation then the tendency is to keep rethinking the problem.This means you’re essentially trying to solve a situation with the same level of thinking that has kept you running around in the wilderness.

Romans 12:2 tells us to, “not be conformed to this world , but be transformed by therenewal of your mind …”

In finance, renewing your mind doesn’t mean applying willpower to stop spending or to save more. It also doesn’t mean finding some secret strategy or get rich program. Renewing your mind financially means a complete change in thinking – it means a new view of money and a whole new attitude towards earning, spending, giving, investing, managing, and maintaining wealth.

This week we’ll discuss why and how to begin to make this shift.Then, I’m going off air for a while because the wilderness for me has repeatedly found me taking on tasks that aren’t manageable, scalable or sustainable. I pray you’ll stay connected though as we prepare for the Lord to make a dramatic shift in this area!