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by Nicholas Garofalo

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61 episodes

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The Faith & Finance newsletter, read aloud — weekly reflections on money, stewardship, and the Christian life. <a href="https://faithandfinance.substack.com?utm_medium=podcast">faithandfinance.substack.com</a>

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Recent Episodes

July 6, 2026

Is dying with zero really good for you?

When it comes to how we handle money, it’s pretty safe to say we could all learn a thing or two from John Wesley. He’s the co-founder of the methodist church and the passionate advocate of radical, Gospel-saturated working, saving, and giving. He famously exhorted his churchmembers to “earn all you can, save all you can, give all you can.” (You may remember I mentioned this a few months back.)But what does it look like for us to pursue earning all we can, saving all we can, and giving all we can?Let’s start with earning. To earn all we can is to become shrewd as serpents in how we handle our finances and our investments, our purchase decisions, our real estate deals, our businesses. It means taking seriously our desire to turn a profit. That instinct is a good one. We need to be profiteering, and profiteering is not sinful in itself. The desire to make a profit, to earn a living, to work and create value — these are all deeply good things. In fact, the lack of these impulses is a real problem (1 Tim 5:8).On saving, I want to be clear: the Bible praises saving in almost every instance. Saving up money means margin. It means breathing room. It means options. It means the freedom to meet the needs of others, to invest in God-honoring businesses, to leave a nest egg for your grandkids, to store up now for the future needs you or your loved ones may face. It is prudent, responsible, and wise.The only time saving is not praised is when the use behind it violates God’s natural order of the work-money connection, or when the wealth itself becomes the god who is supposed to save us. The foolish man who built bigger barns let his wealth corrupt his natural inclination to work. His wiring shifted from “I need to eat this winter, so I’d better get up and work my field today” to “I’ve got ample goods laid up for many years; relax, eat, drink, be merry.” His gaze turned toward self-indulgence and away from productivity and contribution. He walked away from Paul’s ethic in Ephesians 4:28 — to labor, doing honest work with his own hands, so that he may have something to share with anyone in need.In many ways that cautionary tale exposes how badly we need to fight the modern notion of retirement. The idea goes like this: once you hit 55, 65, even 75, your contributions to society are essentially complete. Now you can enjoy your remaining years on the pickleball court, the beach, or the local library as you fade away into the company of your fellow septua- and octogenarians. The very notion is a disgrace.And it makes complete sense, given the world we’ve built. Our society runs on the self-defined, curated life. We worship at the altar of achievement and success. Our offerings are workaholism and the loss of personal connection. Our sacraments are a full calendar, where the honest answer to “how are you?” is a perpetual “busy.” We measure ourselves by job title and operational capacity, income level and wealth accumulation, business growth and the price tags on our status symbols. It is so pervasive that I’m not sure most of us even see how stark the contrast really is.So we fight — as if we were fighting the very powers of hell — against the current we’re swimming in. Be a salmon. Swim. For your very life.How? By giving. All we can. And then some. Every financial decision has to be weighed and measured carefully: the car, the house, the subscriptions, the bills, the gifts, the personal items. We have real power in our pocketbooks. But it is not our power, and it is not power within our control. It is a mighty magnetism. Its desire is for us, and it wants to consume us. That is why I wrote about “the snake in your bed” a few months back. We have to respect the power of the snake and its ability to overpower us. Satan uses money to ruin people all the time, and he is seldom in a hurry to do it.But that same magnetic power can pull others into the kingdom through courageous acts of generosity. How? Jesus said so in Luke 16:9. And why? Because we have first received. What do you have that you did not first receive (1 Cor 4:7)? Your giving should hinder your lifestyle creep. It should probably even outpace your income a little — enough to keep you dependent on the one from whom all provision comes.So give. Give as if your life depended on it. Perhaps it does, and perhaps that is the whole point. We love because he first loved us. We give because what do we have that we did not first receive? And when He loved, he gave — and we, too, can be like him in our giving. What we received from the Father we hand back with arms wide open, knowing that in our acts of generosity God has hidden gospel dynamite to destroy the strongholds of the enemy.So who has God put in your proximity, and how has he blessed you to be a blessing to them?Earn all you can. Save all you can. Give all you can. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit <a href="https://faithandfinance.substack.com?utm_medium=podcast&utm_campaign=CTA_1">faithandfinance.substack.com</a>

June 29, 2026

the case for buying less house

home-buying as mission workYou know the feeling. You’re scrolling Zillow, you’ve set your price range, and the search results are mostly disappointing. So you do what almost everyone does: you drag the slider up a little. Not a lot. Just enough to see what opens up.It makes sense. You’re not moving to save $200 a month. You’re moving to be close to the people you love, the schools you want, the part of town that feels like home. Price is almost beside the point. Proximity is everything.I get that. But I want to pressure-test it for a minute, because the house is not like other financial decisions. For most families, it’s 20 to 40 percent of take-home pay — the single biggest lever in the entire financial/life picture. It’s where you relax. It’s usually directive of your church home, your close-proximity friendships, and, in many ways, your lifestyle. Every dollar above what you need to live well in a house that fits your family is a dollar that isn’t going somewhere else. And “somewhere else” is worth thinking hard about.running the other directionWhat would it look like to run the housing calculation from the other direction?Most of us start with what we want and work backward to what we can afford. What if you started with what you want to give — locked that number in first — and then figured out what house you can actually buy on what’s left? For a lot of people, that calculation produces a very different address than the one they were planning on.Paul’s uncomfortable ethicPaul has an ethic that Western evangelicalism has largely figured out how to ignore. He’s writing to early churches navigating a world of real economic stratification, and his instinct is not to maximize his standard of living up to whatever the budget allows. His instinct is to make himself smaller — it’s the uncomfortable Christian necessity of self-denial, because a conspicuous lifestyle in a community of mixed means causes envy in others. And envy, in Paul’s framework, is not a minor inconvenience. It’s idolatry. It’s a stumbling block. If my house is the thing someone drives past and resents, I have participated in something I didn’t intend to participate in.Now, I’m not saying you’re sinning if you live in a nice neighborhood. The monk-under-a-tree version of this argument isn’t the argument. But I do think we’ve gotten very good at treating “heart posture” as an escape hatch — as a way to say “it’s not about the house, it’s about where your heart is” without ever actually asking whether the house decision needs to change—or the car, clothes, accessories, vacations, etc.I heard recently that a study found simply driving a Mercedes-Benz—even a completely depreciated, $3,000 used model—signals a higher economic status to the public than driving a brand-new, $25,000 Honda Civic. Sociologists and researchers tracking consumer behavior have long noted this perception paradox: the luxury emblem carries a psychological weight that completely overrides the actual math. The badge broadcasts wealth, regardless of what you actually paid for it.And that perception paradox is exactly where the rubber meets the road for Paul’s ethic.We might look at our budget, score a great deal on a used luxury vehicle, and genuinely feel our “heart posture” is clean because we were just being financially prudent. But the community around us doesn’t see it that way. Instead, they see the badge. They see the cultural shorthand for elite status and economic supremacy.If the visual symbols we surround ourselves with broadcast an ostentatious standard of living—even if we got them on clearance—we are still actively participating in the environment of envy and division Paul warns against. Our internal intentions do not automatically neutralize the external reality of the stumbling blocks we set up. True Christian self-denial might mean choosing the Honda, not because we can’t afford the Mercedes, but because love calls us to self-denial for the sake of others.all this marginI’m often eager to talk about the heart side of money — and rightly so. But sometimes we need to get all the way down to the checkbook. Because there’s also a very practical, dollars-and-cents case for buying less house.When you buy less house, the money you didn’t spend doesn’t necessarily just disappear into spending. It can become margin. And margin is one of the most underrated assets in a financial life. Housing is the fixed cost that sets the floor for a ton of other budget line items:Property taxes.Maintenance.Renovations.HOA dues.Insurance.Furniture.Utilities.Repairs.So when you buy less house, you’re saving more than just the difference in the mortgage payment. You’re lowering all of those other peripheral costs. Maybe the comfortable payment is $3000/mo, but you’d stretch to $4000/mo — ya know, for the right house.That $1000 may sound like it’s no big deal, but it becomes real money. More importantly, it becomes real flexibility (or the lack thereof). That extra payment isn’t just money. It’s a claim on your future cash flow. It’s money that can’t go to the family vacation fund, surviving a slow season at work, or jumping to meet a last-minute need at church.There’s another gift in it too: Lifestyle creep is sticky. Once you scale up, scaling back almost always feels like loss. And the house has a sneaky way of setting the baseline for everything else — the neighbors you compare yourself to, the cars in the driveways, the renovations everyone seems to be doing, the standard of living that starts to feel “normal.”But when you buy at or below what you can comfortably afford, you make one decision that keeps making future decisions easier. You just lowered the gravity you’re fighting against.So is buying less house an exercise in self-denial? I’d argue it’s pursuing real freedom.the fieldWhat if some of your budgetary constraints are actually a kind of mercy?What if the house you can wisely afford — the one 10 or 15 minutes farther out, in the neighborhood you might normally scroll past — is not merely the house you have to settle for, but part of the field God is giving you to work?Maybe there are people there you’re supposed to know. Families you’re supposed to befriend. Needs you’re supposed to notice. And maybe the reason you’re able to notice them is because you didn’t max out every dollar getting into the nicest house you could technically afford.You left room.Room to slow down. Room to be present. Room to give. Room to invite people in. Room to say yes when saying yes actually costs something.God’s financial blessings were never meant to terminate on us. They were meant to move through us. And sometimes the smaller house is what keeps that door open. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit <a href="https://faithandfinance.substack.com?utm_medium=podcast&utm_campaign=CTA_1">faithandfinance.substack.com</a>

June 22, 2026

the glide path problem: the slow drift toward self-sufficiency

If you’ve ever sat across from a financial planner, you’ve probably heard about the glide path. It looks something like this. When you’re in Phase 1 (early-career, young accumulator), we’ll invest you pretty heavily in equities — stocks, growth assets, things that can lose value in a bad year but have a long runway to recover. By the time you’re 65, you’ve likely shifted most of that into fixed income. Bonds. Stability. Capital preservation. The goal isn’t growth anymore. The goal is not losing what you’ve built.The equity-to-fixed-income ratio traces a long, slow arc downward over a lifetime. It’s rational, prudent, and what any good advisor would recommend.as our kingdoms growIs it possible that our dependence on God follows the same curve?When you’re in your 20s and 30s, you are genuinely desperate in ways that drive you toward God. You’re fighting for direction. You don’t know if the business is going to work. You’re raising kids and watching your marriage get tested in ways you didn’t anticipate. You’re not sure where the money is coming from next month. Those are equity years in every sense — high volatility, high stakes, and a daily awareness that you are not in control of much.Then the kingdom grows. Morgan Snyder and John Eldredge write about this — the season of life where God has entrusted you with real domain: a thriving career, a stable income, a home that’s paid down, kids who are starting to find their footing. And it’s genuinely good. But a kingdom, if you’re not careful, becomes its own kind of insulation. The bubble wrap of security thickens a layer at a time, and one day you realize you haven’t prayed about money in years because you don’t have to. You know where the next meal is coming from. You know where the next ten years of meals are coming from.staying hungryI can’t find many examples in scripture where God presents a problem to someone and expects them to figure it out without seeking Him. When that happens, it tends to be a story of consequence. The stories we return to — David and the Urim and Thummim, the Israelites daily manna, the disciples in the storm-tossed boat — are all stories of people who had no choice but to be dependent, and found God faithful in that place. The fixed-income years of life can close that door one layer at a time.a faith-stretching alternative to CoastFILet me be clear: I’m not suggesting we manufacture financial desperation. I’m not recommending that we all give away our retirement savings to stay poor enough to need God. But I’m also not willing to rule it out entirely. I know a handful of people who have lived at the edge of what makes financial sense by almost any conventional measure — giving in amounts that genuinely cost them, turning away lavish gifts of generosity to force their souls to find contentment in God, and seek provision from Him alone — and they’ve got the stories to prove it.The more practical version is simpler: what if you planned to give sacrificially throughout your entire working life, not just after you’ve secured enough to be comfortable? Most financial planning is structured around a CoastFI logic — accumulate until you hit the number, then relax and be generous with the excess. But what if you spread the generosity across the whole career? What if the windfalls that come your way aren’t primarily meant to be stacked — but to be moved?There’s a real difference between giving from surplus and giving from a place that actually costs you something. Surplus giving doesn’t require much faith — it just requires margin. The other kind keeps you dependent—hungry.Giving should hurt a little …if my fists are wrapping tightly around my treasures. Giving should hurt a little …if it’s delivering a blow to my pride and self-sufficiency. Giving should hurt a little …just like a good workout.Because that kind of “pain” produces real, lasting joy, “the joy of the Lord”—the joy that David calls “my strength”—and that is the point of giving.two parables, one questionThe rich fool in Luke 12 built bigger barns. He looked at what he had, looked at the future, and made what seemed to him to be a prudent decision. It just never occurred to him that the barns weren’t the point.The man in Matthew 13 found treasure in a field and sold everything he owned to buy it — in joy. He wasn’t impoverished by the transaction. He got the treasure. What would it look like to plan your financial life around increasing your need for the God who put the treasure there in the first place? This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit <a href="https://faithandfinance.substack.com?utm_medium=podcast&utm_campaign=CTA_1">faithandfinance.substack.com</a>

61 total episodes available

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What is one degree?: The Faith & Finance newsletter, read aloud — weekly reflections on money, stewardship, and the Christian life. <a href="https://faithandfinance.substack.com?utm_medium=podcast">faithandfinance.substack.com</a>
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