This weekend, our nation celebrates freedom. But Scripture points us to a freedom even deeper than national liberty. As we mark the Fourth of July weekend and the 250th anniversary of our nation, it’s worth asking: What does it mean to live as truly free people? On this Faith & Finance on AFR, Rob West will explore the freedom Christ gives—and how that freedom reshapes the way we handle money. Then, Rob answers listener questions on a variety of financial topics.

Before you borrow, it’s worth asking what the debt may cost beyond the interest rate. Debt can affect your budget, your marriage, your margin, and your ability to respond freely when God leads. That doesn’t mean borrowing is always wrong, but it does mean it should be approached carefully. On this Faith & Finance on AFR, Rob West and Ron Blue help you think wisely about borrowing. 

1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” Faithful stewardship doesn’t happen by accident. In fact, the choices we make with money can either create pressure or help us manage those resources with wisdom and devotion to God. On this Faith & Finance on AFR, Rob West looks at six financial choices that can help us steward well what God has entrusted to us.

Credit card rewards can look like easy money—especially when we hear about earning flights, hotel stays, and cash bonuses, just by opening new cards. On this episode of Faith & Finance on AFR, Rob West cautions us about a growing strategy called, “credit card churning” that may carry more risk than reward. Learn what it is, where the dangers are, and how Christians can think wisely about rewards, debt, and stewardship. Then, it’s on to calls.

Do you know if your retirement plan is on track—or are you simply hoping it is? Whether retirement is years away or just around the corner, it’s wise to pause and take a closer look at your plan. On this Faith & Finance on AFR, Rob West walks you through a retirement checkup—what numbers to know, what assumptions to test, and how to think biblically about the season ahead. Then, it’s on to calls.

Why wait to give when the impact could start today? It’s easy to assume generosity will grow over time—after we’ve earned more, saved more, or reached a certain level of financial security. But what if waiting causes us to miss something greater? On this Faith & Finance on AFR, Rob West and Cody Hobelmann discuss the impact of giving now, rather than later. Then, it’s on to calls.

James 1:5 says, “If you need wisdom, ask our generous God, and he will give it to you.” When we think about financial decisions, we often turn first to budgets, spreadsheets, or expert advice. And those tools can be helpful. But for followers of Christ, wisdom begins with prayer. On this Faith & Finance on AFR, Sharon Epps joins Rob West to talk about inviting God into our financial lives and seeking His guidance with trust and humility. Then it's on to calls.

When Christians respond with generosity, doors open for hope that lasts. You’ve heard about the devastating crisis in Lebanon and how families are displaced by war. On this Faith & Finance on AFR, Rob West and May-Lee Melki revisit that story because, while much has been done, the need remains great. They share what your generosity has already made possible—and the opportunity still before us. Then, it’s on to calls.

Joshua Becker states, “Minimalism isn’t about removing things you love. It’s about removing the things that distract you from the things you love.” Clutter not only competes for your space, but it also vies for your attention, affection, and generosity. On this Faith & Finance on AFR, Joshua Becker joins Rob West to discuss possessions and simplicity. Discover how owning less can help you love more and live more purposefully. Then, it’s on to calls.

With Father’s Day approaching, we’re asking a deeper question: What kind of legacy are we leaving as men, as dads, and as stewards of what God has entrusted to us? On this Faith & Finance on AFR, Jonathan Lewis from Fathers for Fathers joins Rob West to talk about fatherhood, faith, and the financial discipleship that shapes generations. Then, it’s on to listener calls.

When the paycheck stops, and retirement income begins, how should giving change? During our working years, giving often feels straightforward. But in retirement, income may come from Social Security, pensions, investments, or savings—and that can raise new questions about what to give from and how to think about it biblically. On this Faith & Finance on AFR, Rob West is joined by Anthony Saffer to help us think wisely and faithfully about tithing in retirement. Then it’s on to calls.

When one listener’s burden became another’s calling, the body of Christ went to work. Every now and then, through this program, we get to see what happens when God’s people respond to very real struggles in extraordinary ways. On this Faith & Finance on AFR, Rene in North Carolina joins Rob West to share how a simple phone call led to a powerful act of generosity. Then, it’s on to listener calls.

Many investors wonder whether the market is getting ahead of itself—especially in AI and tech. What if the better question isn’t whether we’re in a bubble, but how we should respond if we are? On this Faith & Finance on AFR, Rob West and Mark Biller discuss what investors should do when markets look overheated. They also explain why trying to predict the exact peak usually backfires. Then, it’s on to listener calls.

In Genesis 11:4, the people of Babel said, “Let us make a name for ourselves.” That same temptation can surface in times of success, when achievement becomes a personal monument rather than a platform for God’s glory. On this Faith & Finance on AFR, Rob West and Jim Wise discuss the spiritual risks of prosperity. They also explain how to keep the focus on God’s Kingdom, rather than our own name. Then, it’s on to calls.

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately, for him, the IRS still prefers cash. All jokes aside, failing to file your taxes for several years is no small matter . . . but it's not the end of the road, either. On this Faith & Finance on AFR, Rob West and Kevin Cross share practical steps to help you get back on track. Then, it’s on to calls.

More Christians are asking whether their financial lives reflect their deepest convictions. This includes how to give, spend, invest, and even bank. On this Faith & Finance on AFR, Rob West and Aaron Caid explain how everyday banking can reflect our values and even support Kingdom work. Then, it’s on to calls.

Psalm 90:12 states, “So teach us to number our days that we may get a heart of wisdom.” In this Psalm, readers are reminded to live wisely and intentionally with the time God gives us. For families with kids or grandkids, summer provides a unique opportunity to do just that. On this Faith & Finance on AFR, Rob West and Brian Holtz talk about making room for work, play, and rest in the summer months. Then, it’s on to calls.

We can spend a large amount of time chasing what we think will satisfy. Jesus, however, offers a radically different vision of abundance--one that can’t be measured by what we own. On this Faith & Finance on AFR, Rob West explores what true abundance is and why it matters for every financial decision we make. Then, it’s on to calls.

As Christians, we are called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? On this Faith & Finance on AFR, Rob West and Dr. David W. Jones explore the ethics of giving to homeless people. They also share how to show compassion without causing harm.  Then Rob will answer questions on various financial topics.

Generosity isn’t something God wants from you—it’s something He wants for you. Many people approach generosity with hesitation, wondering if it will lead to pressure, obligation, or another financial ask. On today's Faith & Finance on AFR, Rob West and Todd Harper explain that generosity is an invitation into joy, freedom, and deeper fellowship with God.