Brian HoltzEvery podcast appearance, updated as new ones drop

“Teach us to number our days, that we may gain a heart of wisdom.” — Psalm 90:12 Psalm 90 reminds us that time is a gift from God. Every day we receive is an opportunity to live wisely, love intentionally, and steward the moments entrusted to us. For families with children or grandchildren, summer can be a unique opportunity to do just that. The school year brings its own rhythm and routine, but summer often loosens those structures. That can be a wonderful gift—but it can also bring unexpected challenges. Brian Holtz, CEO of Compass Financial Ministry , knows this firsthand. Brian and his wife, Erica, have four children in school, ranging in age from 8 to 16. Like many families, they welcome the blessing of more time together during the summer months. But they also know that when routines disappear, the days can easily slip away. As Brian puts it, the season that is supposed to feel restful can sometimes become even busier than the school year. That is why his family tries to approach summer with intentionality. Their simple framework is built around three important buckets: work, play, and rest. Work Builds Character Work may not sound like the first thing kids want to think about during summer break, but it is an important part of God’s design. Work existed before the fall, and when kept in proper balance, it helps us grow in responsibility, service, and faithfulness. For children, summer provides extra time at home—and often, extra messes around the house. That creates a natural opportunity to teach responsibility through simple household duties. Brian’s family calls these “daily duties.” Each child has an age-appropriate task to complete each day. It may be loading or unloading the dishwasher, sweeping the floor, taking out the trash, or helping with another household responsibility. Most of the time, the children can choose when they complete the task, but the expectation is clear: it needs to get done. These small responsibilities may not take much time, but they can help build accountability and a work ethic. They also remind children that being part of a family means contributing to the household's well-being. Each family can decide whether certain chores should be paid or simply expected as part of living together. Either way, the goal is not merely to complete tasks. The deeper goal is to help children understand that work is a meaningful part of life and stewardship. Play Creates Memories Summer is not only a time for work. It is also a time to enjoy the gift of family. Fun matters—not just for children, but for parents and grandparents as well. Many families spend the fall, winter, and spring looking forward to summer, hoping for more time together. But meaningful memories rarely happen by accident. They usually require some planning. Brian’s family has a tradition they call the “summer of fun.” They choose a handful of activities they would not normally do during the school year and randomly select one every few weeks. To make it even more exciting, they use a Price Is Right-style spinning wheel to choose the activity. The activities do not have to be expensive. They may include going out for ice cream, visiting a favorite restaurant, having a picnic, or doing something outdoors together. Sometimes, they may include a bigger adventure. One year, Brian’s oldest child spun the “big ticket” item—a weekend trip tubing down the Chattahoochee River. The point is not extravagance. The point is intentionality. Simple moments of joy can become lasting memories. And in Brian’s family, participation in the “summer of fun” is connected to completing daily duties. That gives the children an added incentive while reinforcing the connection between responsibility and enjoyment. Rest Must Be Prioritized

“Teach us to number our days, that we may gain a heart of wisdom.” — Psalm 90:12 Psalm 90 reminds us that time is a gift from God. Every day we receive is an opportunity to live wisely, love intentionally, and steward the moments entrusted to us. For families with children or grandchildren, summer can be a unique opportunity to do just that. The school year brings its own rhythm and routine, but summer often loosens those structures. That can be a wonderful gift—but it can also bring unexpected challenges. Brian Holtz, CEO of Compass Financial Ministry , knows this firsthand. Brian and his wife, Erica, have four children in school, ranging in age from 8 to 16. Like many families, they welcome the blessing of more time together during the summer months. But they also know that when routines disappear, the days can easily slip away. As Brian puts it, the season that is supposed to feel restful can sometimes become even busier than the school year. That is why his family tries to approach summer with intentionality. Their simple framework is built around three important buckets: work, play, and rest. Work Builds Character Work may not sound like the first thing kids want to think about during summer break, but it is an important part of God’s design. Work existed before the fall, and when kept in proper balance, it helps us grow in responsibility, service, and faithfulness. For children, summer provides extra time at home—and often, extra messes around the house. That creates a natural opportunity to teach responsibility through simple household duties. Brian’s family calls these “daily duties.” Each child has an age-appropriate task to complete each day. It may be loading or unloading the dishwasher, sweeping the floor, taking out the trash, or helping with another household responsibility. Most of the time, the children can choose when they complete the task, but the expectation is clear: it needs to get done. These small responsibilities may not take much time, but they can help build accountability and a work ethic. They also remind children that being part of a family means contributing to the household's well-being. Each family can decide whether certain chores should be paid or simply expected as part of living together. Either way, the goal is not merely to complete tasks. The deeper goal is to help children understand that work is a meaningful part of life and stewardship. Play Creates Memories Summer is not only a time for work. It is also a time to enjoy the gift of family. Fun matters—not just for children, but for parents and grandparents as well. Many families spend the fall, winter, and spring looking forward to summer, hoping for more time together. But meaningful memories rarely happen by accident. They usually require some planning. Brian’s family has a tradition they call the “summer of fun.” They choose a handful of activities they would not normally do during the school year and randomly select one every few weeks. To make it even more exciting, they use a Price Is Right-style spinning wheel to choose the activity. The activities do not have to be expensive. They may include going out for ice cream, visiting a favorite restaurant, having a picnic, or doing something outdoors together. Sometimes, they may include a bigger adventure. One year, Brian’s oldest child spun the “big ticket” item—a weekend trip tubing down the Chattahoochee River. The point is not extravagance. The point is intentionality. Simple moments of joy can become lasting memories. And in Brian’s family, participation in the “summer of fun” is connected to completing daily duties. That gives the children an added incentive while reinforcing the connection between responsibility and enjoyment. Rest Must Be Prioritized

Discipleship often sounds like something that requires a large program, a curriculum, or a major church initiative. But what if it’s far simpler than that? What if discipleship often begins with just one intentional relationship? Sometimes a single faithful conversation—repeated over time—can shape how we follow Christ in every area of life, including our finances. Today, we spoke with Brian Holtz, CEO of Compass Financial Ministry , about a simple discipleship model that has quietly transformed lives for decades. And it all begins with one person investing in another. The Power of One-to-One Discipleship The vision began with Howard Dayton, the founder of Compass . Many people know Howard from his years teaching about biblical stewardship, but at the heart of his ministry has always been personal discipleship. Years ago, Howard made a simple commitment: each year, he would intentionally walk alongside one person. They would read Scripture together, discuss what God was teaching them, and reflect on how those truths applied to their lives. Alongside Scripture, they would read a few formative Christian books and meet regularly to talk through what they were learning. But there was one small request. At the end of the year, the person being discipled would commit to doing the same thing with someone else. That simple multiplication strategy became known as the “One More” program—disciple one person each year and invite them to do the same. Books That Shape the Heart Over time, the reading list has evolved, but the goal has always remained the same: to encourage deep spiritual formation. Some of the books commonly used in the process include: Humility by Andrew Murray Trusting God by Jerry Bridges Financial Discipleship by Peter Briscoe <a href="https://www.amazon.com/Master-Plan-Evangelism-Robert-Coleman/dp/0800788087/ref=sr_1_1?crid=5CYU0MUGIL7L&dib=eyJ2IjoiMSJ9.kQAvg-e1heoDsO2po0fP4-WT-_lyL4prjV22O6rGMaHmkAxQG2gI6E5Oqm2DqGH_c383Vr64d-cfgoXecr8yvirMRf1c2bjOB4jPAa97OUwU276K1xMqdfbscxyNrBUzIiu3nWwBnnAaS4-CvtHzYRr3DCr

Discipleship often sounds like something that requires a large program, a curriculum, or a major church initiative. But what if it’s far simpler than that? What if discipleship often begins with just one intentional relationship? Sometimes a single faithful conversation—repeated over time—can shape how we follow Christ in every area of life, including our finances. Today, we spoke with Brian Holtz, CEO of Compass Financial Ministry , about a simple discipleship model that has quietly transformed lives for decades. And it all begins with one person investing in another. The Power of One-to-One Discipleship The vision began with Howard Dayton, the founder of Compass . Many people know Howard from his years teaching about biblical stewardship, but at the heart of his ministry has always been personal discipleship. Years ago, Howard made a simple commitment: each year, he would intentionally walk alongside one person. They would read Scripture together, discuss what God was teaching them, and reflect on how those truths applied to their lives. Alongside Scripture, they would read a few formative Christian books and meet regularly to talk through what they were learning. But there was one small request. At the end of the year, the person being discipled would commit to doing the same thing with someone else. That simple multiplication strategy became known as the “One More” program—disciple one person each year and invite them to do the same. Books That Shape the Heart Over time, the reading list has evolved, but the goal has always remained the same: to encourage deep spiritual formation. Some of the books commonly used in the process include: Humility by Andrew Murray Trusting God by Jerry Bridges Financial Discipleship by Peter Briscoe <a href="https://www.amazon.com/Master-Plan-Evangelism-Robert-Coleman/dp/0800788087/ref=sr_1_1?crid=5CYU0MUGIL7L&dib=eyJ2IjoiMSJ9.kQAvg-e1heoDsO2po0fP4-WT-_lyL4prjV22O6rGMaHmkAxQG2gI6E5Oqm2DqGH_c383Vr64d-cfgoXecr8yvirMRf1c2bjOB4jPAa97OUwU276K1xMqdfbscxyNrBUzIiu3nWwBnnAaS4-CvtHzYRr3DCr

What happens when we stop drifting financially and start stewarding intentionally? When God’s purposes shape our financial decisions, money takes its rightful place—not as a source of identity or security, but as a tool that brings clarity, freedom, and faithful living. That conviction is at the heart of our conversation today with Brian Holtz, CEO of Compass Financial Ministry , about an upcoming gathering designed to help believers live it out in practical ways. Why Purpose Matters When It Comes to Money Brian explains that the idea for the conference begins with a familiar phrase: money is just a tool . While that’s true, tools are always created with intention. A hammer isn’t good or bad—but it’s designed for a specific purpose. When we don’t understand what money is for, we risk using it indiscriminately, assuming every financial decision is wise simply because it seems practical. Scripture calls us to something better: stewardship shaped by God’s design. When we understand His purposes for money, our decisions become clearer—and our faithfulness more intentional. Introducing Money on Purpose That’s the vision behind Money on Purpose , Compass Financial Ministry’s global conference happening February 26–28, 2026, in Orlando. Over three days, attendees will experience: Christ-centered worship Teaching rooted in Scripture Fellowship with believers seeking to steward God’s resources faithfully Each keynote explores a specific purpose of money through a biblical story or character from both the Old and New Testaments, followed by workshops focused on real-life application. One of Compass's strengths has always been its ability to make biblical stewardship accessible, regardless of where someone is on their financial journey. This conference reflects that same heart. Whether you’re a young adult seeking guidance, a parent shaping financial values at home, or a church leader looking to integrate stewardship into discipleship, Money on Purpose is designed to meet you where you are. Workshop topics range from biblically grounded investing to navigating economic uncertainty—all anchored in God’s Word. What often surprises attendees most, Brian notes, is how comprehensively Scripture speaks to modern financial questions. When people realize their real concerns are addressed in God’s Word, something shifts. Just as powerful is the community. Being surrounded by like-minded believers moves the experience beyond information toward transformation. People leave not only knowing what to do, but encouraged, supported, and eager to see God work through their obedience. What Participants Walk Away With Compass’s mission is simple but profound: to help people grow closer to Jesus, live free to serve Him, and help fund the Great Commission. Those who attend Money on Purpose leave with: A clearer understanding of God’s financial principles A practical plan to live them out A community of believers committed to walking together That’s what purposeful stewardship is ultimately about. When we handle money on purpose— God’s purpose—we discover greater freedom, direction, and joy in stewarding what belongs to Him. To learn more or register for the Money on Purpose conference , visit CompassFinancialMinistry.org , where you’ll find full details on sessions, workshops, and the event schedule. On Today’s Program, Rob Answers Listener Questions: My husb

What happens when we stop drifting financially and start stewarding intentionally? When God’s purposes shape our financial decisions, money takes its rightful place—not as a source of identity or security, but as a tool that brings clarity, freedom, and faithful living. That conviction is at the heart of our conversation today with Brian Holtz, CEO of Compass Financial Ministry , about an upcoming gathering designed to help believers live it out in practical ways. Why Purpose Matters When It Comes to Money Brian explains that the idea for the conference begins with a familiar phrase: money is just a tool . While that’s true, tools are always created with intention. A hammer isn’t good or bad—but it’s designed for a specific purpose. When we don’t understand what money is for, we risk using it indiscriminately, assuming every financial decision is wise simply because it seems practical. Scripture calls us to something better: stewardship shaped by God’s design. When we understand His purposes for money, our decisions become clearer—and our faithfulness more intentional. Introducing Money on Purpose That’s the vision behind Money on Purpose , Compass Financial Ministry’s global conference happening February 26–28, 2026, in Orlando. Over three days, attendees will experience: Christ-centered worship Teaching rooted in Scripture Fellowship with believers seeking to steward God’s resources faithfully Each keynote explores a specific purpose of money through a biblical story or character from both the Old and New Testaments, followed by workshops focused on real-life application. One of Compass's strengths has always been its ability to make biblical stewardship accessible, regardless of where someone is on their financial journey. This conference reflects that same heart. Whether you’re a young adult seeking guidance, a parent shaping financial values at home, or a church leader looking to integrate stewardship into discipleship, Money on Purpose is designed to meet you where you are. Workshop topics range from biblically grounded investing to navigating economic uncertainty—all anchored in God’s Word. What often surprises attendees most, Brian notes, is how comprehensively Scripture speaks to modern financial questions. When people realize their real concerns are addressed in God’s Word, something shifts. Just as powerful is the community. Being surrounded by like-minded believers moves the experience beyond information toward transformation. People leave not only knowing what to do, but encouraged, supported, and eager to see God work through their obedience. What Participants Walk Away With Compass’s mission is simple but profound: to help people grow closer to Jesus, live free to serve Him, and help fund the Great Commission. Those who attend Money on Purpose leave with: A clearer understanding of God’s financial principles A practical plan to live them out A community of believers committed to walking together That’s what purposeful stewardship is ultimately about. When we handle money on purpose— God’s purpose—we discover greater freedom, direction, and joy in stewarding what belongs to Him. To learn more or register for the Money on Purpose conference , visit CompassFinancialMinistry.org , where you’ll find full details on sessions, workshops, and the event schedule. On Today’s Program, Rob Answers Listener Questions: My husb

Raising children to navigate money wisely is about far more than dollars and cents. It begins with shaping their hearts, grounding their identity in Christ, and helping them understand the true source of their worth. As parents and mentors, we all want the next generation to develop a biblical foundation for both money and identity—because the two are more connected than we often realize. Today, Brian Holtz, CEO of Compass Financial Ministry , joins us to share insights from a new resource designed to help families do exactly that. Right From the Start targets a key age group—kids 11 to 15—who are forming lifelong beliefs about God, themselves, and the world. Why Middle School Matters So Much According to Brian, this project was born out of recognizing a real discipleship gap. Plenty of resources exist for young children and high schoolers, but middle schoolers often fall between the cracks. Yet this is the stage when they’re actively forming their worldview—including their beliefs about money, success, and identity. Right From the Start helps students discover that their value is rooted in being made in the image of God—not in what they own, how popular they are, or how well they perform. This biblical truth becomes the foundation for every financial principle they learn. Six Themes to Form Faith and Finances The study covers six core chapters: Identity Giving Saving Spending Building on Your Foundation Finishing Well Each topic is presented through a biblical lens and paired with hands-on activities, daily lessons, memory verses, and “life hacks”—simple, practical challenges that help students put truth into action. The goal, Brian shared, is to make faith and finances personal , relevant , and fun . Helping Students Understand Their Identity in Christ The very first chapter lays the theological foundation. Students read passages like Genesis 1 and Psalm 139 to understand that they are created intentionally, lovingly, and wonderfully by God. Their worth does not rise or fall with their circumstances. Once children grasp this truth, giving, saving, and spending stop being merely financial tasks. They become acts of worship—ways to honor the God who made them. Turning Principles Into Habits: A Look at the “Life Hacks” One of the most beloved activities is the simple “three jars” method. Students divide the money they earn or receive into: Giving Saving Spending This visual, tactile tool transforms abstract concepts into daily habits. Parents particularly love it because it creates space for conversations about generosity, gratitude, and wise choices. How Families and Churches Can Use This Resource Right From the Start is designed for flexibility. It works well: At home In youth groups In Christian schools A student book and a leader’s guide make it accessible for parents, teachers, and ministry leaders alike. And while it fits naturally around the holiday season—when spending pressure ramps up—it can be used any time of year. Why Modeling Matters Most Howard Dayton often said parents should seek to be “MVP parents”— Modeling , Verbalizing , and Practical Application . Brian agreed that “more is caught than taught.” Kids need to see generosity lived out, hear why we handle money the way we do, and have opportunities to practice it themselves. Brian shared one practice from his own home: allowing

Raising children to navigate money wisely is about far more than dollars and cents. It begins with shaping their hearts, grounding their identity in Christ, and helping them understand the true source of their worth. As parents and mentors, we all want the next generation to develop a biblical foundation for both money and identity—because the two are more connected than we often realize. Today, Brian Holtz, CEO of Compass Financial Ministry , joins us to share insights from a new resource designed to help families do exactly that. Right From the Start targets a key age group—kids 11 to 15—who are forming lifelong beliefs about God, themselves, and the world. Why Middle School Matters So Much According to Brian, this project was born out of recognizing a real discipleship gap. Plenty of resources exist for young children and high schoolers, but middle schoolers often fall between the cracks. Yet this is the stage when they’re actively forming their worldview—including their beliefs about money, success, and identity. Right From the Start helps students discover that their value is rooted in being made in the image of God—not in what they own, how popular they are, or how well they perform. This biblical truth becomes the foundation for every financial principle they learn. Six Themes to Form Faith and Finances The study covers six core chapters: Identity Giving Saving Spending Building on Your Foundation Finishing Well Each topic is presented through a biblical lens and paired with hands-on activities, daily lessons, memory verses, and “life hacks”—simple, practical challenges that help students put truth into action. The goal, Brian shared, is to make faith and finances personal , relevant , and fun . Helping Students Understand Their Identity in Christ The very first chapter lays the theological foundation. Students read passages like Genesis 1 and Psalm 139 to understand that they are created intentionally, lovingly, and wonderfully by God. Their worth does not rise or fall with their circumstances. Once children grasp this truth, giving, saving, and spending stop being merely financial tasks. They become acts of worship—ways to honor the God who made them. Turning Principles Into Habits: A Look at the “Life Hacks” One of the most beloved activities is the simple “three jars” method. Students divide the money they earn or receive into: Giving Saving Spending This visual, tactile tool transforms abstract concepts into daily habits. Parents particularly love it because it creates space for conversations about generosity, gratitude, and wise choices. How Families and Churches Can Use This Resource Right From the Start is designed for flexibility. It works well: At home In youth groups In Christian schools A student book and a leader’s guide make it accessible for parents, teachers, and ministry leaders alike. And while it fits naturally around the holiday season—when spending pressure ramps up—it can be used any time of year. Why Modeling Matters Most Howard Dayton often said parents should seek to be “MVP parents”— Modeling , Verbalizing , and Practical Application . Brian agreed that “more is caught than taught.” Kids need to see generosity lived out, hear why we handle money the way we do, and have opportunities to practice it themselves. Brian shared one practice from his own home: allowing

"Yours, Lord, is the greatness and the power and the glory and the majesty and the splendor, for everything in heaven and earth is yours." - 1 Chronicles 29:11 If God owns it all, what does that mean for the way we manage money? Brian Holtz is here to unpack the Five Pillars of Financial Discipleship—principles that, when embraced by families, bring freedom and joy to their finances. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . More Than Money Management When it comes to managing money as followers of Christ, the Bible calls us to more than financial freedom or peace of mind. It calls us to financial discipleship—a life of stewardship, surrender, and multiplication for God’s Kingdom. Here are five key pillars that shape this journey. Pillar One: Ownership Everything begins with recognizing who truly owns it all. Scripture reminds us in Psalm 24:1, Haggai 2:8, and 1 Chronicles 29:11 that God is the Creator and ultimate Owner of everything. Our role is not ownership but stewardship. This mindset shift—from “mine” to “His”—brings both relief and challenge. It’s freeing to know the responsibility doesn’t all rest on us, but humbling to realize our lives and resources are not ultimately ours to control. Pillar Two: Surrender Acknowledging God’s ownership requires surrender. Luke 14:33 makes this clear: discipleship means yielding everything back to God, not just intellectually but in our hearts. This surrender extends beyond giving—it includes how we spend, save, and plan. Trusting God’s plan over our own is an act of daily obedience. Pillar Three: Choice In Matthew 6:24, Jesus tells us we cannot serve both God and money. Every financial decision—whether saving, giving, or spending—reveals who we serve. Choosing God requires aligning daily habits with His Word, even when it feels counterintuitive. As Isaiah reminds us, God’s ways are higher and better than ours. Pillar Four: Multiplication Discipleship is never meant to stop with us. In the Parable of the Talents, Jesus calls us to multiply what He has entrusted to us. This means sharing what we’ve learned and inviting others into the journey. Financial discipleship involves helping others apply biblical wisdom so that God’s Kingdom continues to grow. Pillar Five: Eternal Focus Finally, discipleship means setting our eyes on eternity. Jesus said in Matthew 6:19–21 to store up treasures in heaven, not on earth. But these treasures aren’t material—they’re about our relationship with Christ. Living with an eternal focus keeps us from being distracted by temporary wealth and anchors our hope in Him alone. How Financial Discipleship Differs It’s easy to confuse financial discipleship with financial stewardship or freedom. Stewardship may stop at wise resource management, but discipleship goes further—it’s about helping others learn, apply, and multiply biblical truth for God’s glory. True discipleship always leads to transformation, both personally and in community. Compass Financial Ministry exists to equip believers to live this way. Through resources, training, and community, they help people break free from the love of money and serve God more fully. Financial discipleship is really about helping others learn, apply, and multiply everything for God’s glory, rather than for our own. To learn more, visit CompassFinancialMinistry.org . On Today’s Program, Rob Answers Listener Questions: I’m about to receive money from a relative’s trust and want to place it in a high-yield money market accoun

"Yours, Lord, is the greatness and the power and the glory and the majesty and the splendor, for everything in heaven and earth is yours." - 1 Chronicles 29:11 If God owns it all, what does that mean for the way we manage money? Brian Holtz is here to unpack the Five Pillars of Financial Discipleship—principles that, when embraced by families, bring freedom and joy to their finances. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . More Than Money Management When it comes to managing money as followers of Christ, the Bible calls us to more than financial freedom or peace of mind. It calls us to financial discipleship—a life of stewardship, surrender, and multiplication for God’s Kingdom. Here are five key pillars that shape this journey. Pillar One: Ownership Everything begins with recognizing who truly owns it all. Scripture reminds us in Psalm 24:1, Haggai 2:8, and 1 Chronicles 29:11 that God is the Creator and ultimate Owner of everything. Our role is not ownership but stewardship. This mindset shift—from “mine” to “His”—brings both relief and challenge. It’s freeing to know the responsibility doesn’t all rest on us, but humbling to realize our lives and resources are not ultimately ours to control. Pillar Two: Surrender Acknowledging God’s ownership requires surrender. Luke 14:33 makes this clear: discipleship means yielding everything back to God, not just intellectually but in our hearts. This surrender extends beyond giving—it includes how we spend, save, and plan. Trusting God’s plan over our own is an act of daily obedience. Pillar Three: Choice In Matthew 6:24, Jesus tells us we cannot serve both God and money. Every financial decision—whether saving, giving, or spending—reveals who we serve. Choosing God requires aligning daily habits with His Word, even when it feels counterintuitive. As Isaiah reminds us, God’s ways are higher and better than ours. Pillar Four: Multiplication Discipleship is never meant to stop with us. In the Parable of the Talents, Jesus calls us to multiply what He has entrusted to us. This means sharing what we’ve learned and inviting others into the journey. Financial discipleship involves helping others apply biblical wisdom so that God’s Kingdom continues to grow. Pillar Five: Eternal Focus Finally, discipleship means setting our eyes on eternity. Jesus said in Matthew 6:19–21 to store up treasures in heaven, not on earth. But these treasures aren’t material—they’re about our relationship with Christ. Living with an eternal focus keeps us from being distracted by temporary wealth and anchors our hope in Him alone. How Financial Discipleship Differs It’s easy to confuse financial discipleship with financial stewardship or freedom. Stewardship may stop at wise resource management, but discipleship goes further—it’s about helping others learn, apply, and multiply biblical truth for God’s glory. True discipleship always leads to transformation, both personally and in community. Compass Financial Ministry exists to equip believers to live this way. Through resources, training, and community, they help people break free from the love of money and serve God more fully. Financial discipleship is really about helping others learn, apply, and multiply everything for God’s glory, rather than for our own. To learn more, visit CompassFinancialMinistry.org . On Today’s Program, Rob Answers Listener Questions: I’m about to receive money from a relative’s trust and want to place it in a high-yield money market accoun

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’” - Matthew 25:40 Some exciting things are happening that will give you more ways to help “the least of these” in God’s Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . A Call to Reach the Margins When it comes to helping families in financial crisis, good intentions aren’t always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That’s the heart behind Making Ends Meet , a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health. Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren’t just managing poorly but truly don’t have enough income to meet basic needs. In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting. Why Money Alone Isn’t Enough Simply giving money doesn’t create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn’t solve the deeper problem. That’s not a reason to stop giving—it’s a reason to start giving differently. Jesus didn’t just heal people and walk away. He invited them to follow Him. That’s the model we need to follow—combining financial help with relational investment. When someone is experiencing financial hardship, it’s often not just a matter of dollars and cents—it’s about identity, family history, and deeply ingrained beliefs. That’s why true transformation requires more than a checkbook; it requires presence. When we invest relationally, we gain credibility. That allows us to speak into someone’s life in a way that supports their heart and habits. Understanding the Emotional Barriers One of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be. Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts. But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me? This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won’t be overcome overnight, but change is possible with consistent love and support. Learn More and Get Involved The beauty of Making Ends Meet is its simplicity. You don’t need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset. This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools t

In this powerful episode of The Beacon Show, host Tamara Jackson sits down with Brian Holtz,, CEO of Compass, to explore his remarkable journey from being an “evangelical atheist” to embracing faith and biblical financial stewardship. Brian shares how a childhood confrontation led him to reject God in favor of science, only to be drawn back through deep study and personal challenges. He opens up about the financial hardships he faced during the Great Recession and how shifting his perspective on money—from a tool for personal comfort to a resource for God’s Kingdom—transformed his life, marriage, and career. Together, they unpack why biblical financial principles go beyond budgeting and debt reduction, revealing how aligning finances with faith leads to greater freedom, generosity, and purpose. If you’ve ever struggled with the tension between money, faith, and success, this episode will challenge and inspire you to see wealth as a powerful tool for Kingdom impact. Tune in for wisdom, practical steps, and a fresh perspective on what it truly means to be a faithful steward!MEET YOUR HOST: TAMARA M. JACKSON Tamara M. Jackson, author of "Unlocking Christian Leadership" and Founder of Beaconship, has dedicated over two decades to empowering Christian leaders to make a deep impact on the world. Her vision for The Beacon Show stems from her unwavering belief that every Christian leader has the potential to become a beacon of guidance, hope, and inspiration. Through this podcast, Tamara aims to bridge the gap between spiritual goals and the practical realities of leadership, equipping leaders with the wisdom and strategies to navigate their paths with integrity, purpose, and a heart aligned with Christ's teachings. Join Tamara on this transformative journey of self-discovery, empowerment, and spiritual growth as she nurtures wise, compassionate, and resilient beacons of faith who inspire, transform, and illuminate the world with their God-given purpose. ACCELERATE YOUR SUCCESS Ready to embrace the journey of transformation? Download Tamara's exclusive ebook at https://beaconship.co/book/ and empower yourself to lead with purpose and passion. JOIN THE BEACONSHIP COMMUNITY Beaconship is dedicated to empowering and uniting Christian leaders through mentorship and collaboration, enhancing their influence and potential. We are committed to molding visionary leaders equipped to redefine what it means to be a change agent in today’s digital landscape. To learn more, visit https://beaconship.co/ CONNECT WITH TAMARA Facebook: https://www.facebook.com/thebeaconship Instagram: https://www.instagram.com/thebeaconship LinkedIn: https://www.linkedin.com/in/coachtam/

“As iron sharpens iron, so one person sharpens another.” – Proverbs 27:17 Despite living in an era of unprecedented wealth, many individuals and families struggle to meet basic needs like food and shelter. Today, Brian Holtz joins us to discuss a new resource aimed at helping communities in need. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . A New Focus: Addressing Financial Hardship Navigating financial challenges can be overwhelming, especially for those who struggle to make ends meet. While many financial ministries focus on middle- and upper-income groups, Compass Financial Ministry has taken a bold step to address the needs of those with little to no financial margin. Their latest initiative— Making Ends Meet —is a resource designed to help individuals and families move from financial struggle to stability. Key Takeaways from the Research Many of the financial issues we associate with low-income communities aren’t unique to them. The same challenges exist in middle- and upper-income households—they just look different. What are these key financial challenges? Three primary takeaways from Compass’ research are critical for financial health, regardless of income level. 1. A Simpler Approach to Budgeting Starting a budget is often the most challenging part of managing finances. That’s why this new resource introduces a simplified spending plan: Step 1: At the beginning of the month, pay all essential bills (giving, rent/mortgage, food, utilities, etc.). Step 2: Transfer savings into a separate account. Step 3: Use the remaining money for non-essentials (entertainment, clothing, eating out, etc.). This method isn’t as precise as traditional budgeting, but it’s better to use an imperfect system than a perfect one that you never implement. 2. The Power of an Emergency Fund We all know the importance of emergency savings, but it's even more crucial for those living paycheck to paycheck. Without an emergency fund, individuals often get trapped in a cycle of debt. But with a financial cushion, they can make wise financial choices and avoid unnecessary expenses. 3. The Importance of a Support Network Building a strong financial support system is a crucial yet often overlooked aspect of financial stability, in addition to budgeting and saving. Money is a taboo topic in our society. We’re embarrassed to talk about our struggles, but if we find trusted people to share with before emergencies happen, we create a network we can rely on—and they can rely on us. This network isn’t just for financial help—it also provides emotional support, advice, and practical assistance when life’s unexpected events occur. How You Can Get Involved Financial hardship can feel isolating, but no one has to face it alone. With the right tools, support system, and biblical principles, it is possible to break free from financial struggle and find peace in stewardship. Making Ends Meet is one of the most impactful projects Compass has ever developed. It combines biblical wisdom with practical, step-by-step guidance, helping people transition from struggling to thriving. This resource is perfect for: Small groups at churches Local shelters and community centers Families and individuals seeking financial stability It’s available in English and Spani

“Give me neither poverty nor riches, but give me only my daily bread.” - Proverbs 30:8 Every generation has struggled to learn contentment, and ours is certainly no different. But God’s Word provides great instruction on this tough topic. Brian Holtz helps us work through it today. Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . What Is Contentment? In Philippians 4:12, the apostle Paul shares, “I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” As Paul describes it, contentment is being satisfied with having enough—neither desiring more nor less. It’s a state of recognizing God’s provision as sufficient for every situation. On the surface, contentment sounds simple: accept and be grateful for what you have. But as with most heart issues, it’s far more complex. At a recent conference, attendees were asked two revealing questions: Do you feel you have enough? Who would like more? Most people raised their hands to both questions. This honest reflection highlights a tension many of us face: knowing we have enough yet wanting more. As Proverbs 30:8 reminds us, “Give me neither poverty nor riches, but give me only my daily bread.” However, genuinely praying for “only my daily bread” can be a struggle when we long for more security or comfort. How to Learn Contentment Paul’s contentment didn’t come naturally—it was something he learned . His focus on gratitude provides a practical framework for us: Focus on What You Have, Not What You Lack Paul’s secret to contentment lies in appreciating God’s provision in all circumstances. Whether in plenty or need, he trusted in God’s sufficiency. Reframe Your Perspective Instead of longing for a better car, job, or house, focus on the blessings you already have. Gratitude shifts your mindset and allows you to recognize the abundance in your life. Embrace the Sweet Spot Paul’s perspective mirrors the balance described in Proverbs 30:8—a place between poverty and riches where we can flourish spiritually. When we focus on enough rather than excess, we experience greater peace and satisfaction. Finding Contentment in a Discontented World Contentment isn’t something we achieve overnight; it’s a lifelong journey. That’s why Compass Financial Ministry is dedicating its upcoming Your Money Counts conference to this vital topic. The conference, which will take place in Orlando, FL, from February 27 to March 1, will offer an in-depth look at finding contentment in a world plagued by materialism. Attendees will explore Scripture, practical tools, and community support to grow as faithful stewards. Learning contentment is essential for spiritual growth and faithful stewardship. As we embrace gratitude and trust God’s provision, we’ll find the peace Paul describes in Philippians 4. For more information about the Your Money Counts conference, visit CompassFinancialMinistry.org . Don’t miss this opportunity to learn how to thrive in God’s provision and find true satisfaction in Him. On Today’s Program, Rob Answer

In this episode of the Creative Potential Podcast, Chris Decker is joined with Brian Holtz, CEO of Compass, to talk about financial management from a biblical perspective. They discuss the challenges creative professionals face with finances, managing debt, and the importance of aligning financial decisions with one's values and calling. Brian shares insights from his journey, combining left-brain strategy with creative problem-solving, and offers practical advice for achieving financial stability and generosity. KEY TAKEAWAYS Debt and Creativity: How debt can stifle creativity by creating fear and anxiety, and why operating without debt can lead to greater freedom and success in creative endeavors. Left Brain Meets Right Brain: The importance of combining logical, problem-solving skills with creative thinking to achieve effective solutions in both business and life. Biblical Financial Principles: Understanding that financial questions often stem from deeper heart issues, and how aligning financial decisions with biblical principles can lead to greater peace and purpose. The Power of Generosity: How practicing generosity, even in small ways, can shift your mindset from fear to abundance and open doors for unexpected blessings. QUOTES "Nobody does well when they're afraid... by getting out of debt, we free ourselves to be who we are called to be." "We ask financial questions, but what we're really asking about is the heart behind the money question." "When we're in debt, we've promised income from the future to pay off what we bought in the past. That can result in anxiety, which impacts our ability to be creative." "In the act of giving, something happens in my heart... that greed starts to lessen, and I start to become a little bit less afraid." Connect and learn more about Brian Holtz . https://www.linkedin.com/in/brian-holtz-2728bb53/ Timecodes 00:00 Intro 00:34 Financial Challenges for Creative Professionals 01:13 Meet Brian Holtz: A Journey of Faith and Finance 04:12 Left Brain Meets Right Brain: Creativity and Logic 10:43 Biblical Perspectives on Money and Debt 27:41 Practical Financial Advice for Creatives 36:56 Closing Thoughts and Resources Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“Therefore do not be foolish, but understand what the Lord’s will is.” - Ephesians 5:17 That verse is a good reminder that to follow God's will, we must first know it for all areas of our lives—including finances. Brian Holtz joins us today with a question: Does your budget reflect God’s priorities or yours? Brian Holtz is the Chief Operating Officer at Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . Ownership vs. Stewardship One of the fundamental concepts of Christian finances is the distinction between ownership and stewardship. Psalm 24:1 reminds us, “The earth is the Lord’s and all it contains.” In 1 Corinthians 1 and 2, we learn that we are stewards or managers of God's resources, and as such, we must be faithful to His goals and priorities rather than our own. God’s Priorities for Money Scripture reveals five critical priorities for managing our finances in a way that honors God: Generosity —There are over 300 verses about giving and generosity. We are encouraged to give our first and best, never the leftovers. Providing for Family —1 Timothy 5:8 emphasizes the importance of providing for our families, stating that neglecting this responsibility is akin to denying the faith. Meeting Financial Obligations —Romans 13 urges us to meet our financial obligations, including paying taxes and repaying debts, reflecting our commitment as representatives of Jesus. Saving for the Future —Responsible saving is crucial to being faithful to the first three priorities during times of hardship or insufficient income. Enjoying God’s Blessings —While enjoying God's blessings, we must ensure that this enjoyment does not take precedence over His greater priorities. Aligning Our Budget with God’s Priorities If our budget isn't aligned with God's priorities, we need to admit our mistakes to God and recommit to His goals. As a family, we should make financial trades to align our budget lines with God’s priorities. Generosity: What abundance could we cut back on to be more generous? Provision: Are we saving too much at the expense of our family's immediate needs? Debt Repayment: What could we stop doing to pay off debt faster? Enjoyment: Once priorities are in order, how can we honor God by enjoying His blessings? Aligning our finances with God's priorities honors Him and brings a more fulfilling and purposeful life. You can learn more about biblical money management by visiting the Learn section at CompassFinancialMinistry.org . You can find resources suited to your preferred learning methods, whether reading, watching, or listening. On Today’s Program, Rob Answers Listener Questions: I love the idea of the QCD, and I know they work with IRAs. Do they work with 403b accounts? I used to have investments but had some high veterinary bills, and I'm on disability. I'm trying to get an emergency fund, but every month, I have to use the money I put aside. I need some encouragement on how to get his emergency fund because that's the first step I have to do. Is a reverse mortgage a good idea? Would we lose ownership of our home if we did this? I'm looking forward to starting a business and would like to know if I should open it as an LLC or an S corporation. I have my will and everything specified in it, including how things are divided regarding my house, esta

“Train up a child in the way he should go; even when he is old he will not depart from it.” Proverbs 22:6 Teaching our children how to manage God’s money is vital to raising them. But how can parents do this well? Brian Holtz will share some great insights today. Brian Holtz is the Chief Operating Officer at Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . MVP Parenting: Building Financial Wisdom in the Next Generation Introducing MVP Parenting, a concept foundational for nurturing financial wisdom and spiritual growth in our children. Howard Dayton defines MVP as Modeling, Verbal Instruction, and Practical Opportunities. This approach helps parents effectively teach their kids crucial life skills and values. Modeling: Leading by Example As parents, our actions speak louder than words. Modeling means demonstrating behaviors that our children can observe and learn from. If your child wants to learn how to pray, they need to see you praying, not just hear about it. Children are always watching and absorbing our behaviors, whether intentional or not. They learn how we handle money, attitudes, and financial habits. Therefore, it's essential to model the right behavior visibly. Verbal Instruction: Explaining the Why Providing verbal instruction involves explaining actions in a way that children can understand. For instance, after praying or reading the Bible, explain to your children why you do it. Without explanation, they might create their own reasons, which could be far from the truth. Similarly, when giving money at church, explain why you do it. This helps them understand the purpose behind your actions and prevents misunderstandings. Practical Opportunities: Hands-On Learning Practical opportunities invite children to engage and try things for themselves. It's not enough for them to see and understand; they must practice under supervision. For example, involve them in simple financial tasks appropriate for their age, allowing them to apply what they've observed and learned. Implementing MVP Parenting with Clients This MVP approach is not limited to parenting young children; it works with adult children and even in professional settings. When working with clients, encourage them to document their experiences and prepare their wealth for the next generation. Challenge them to apply the MVP principles to teach their children financial stewardship. In a corporate setting, this might look like mentoring a junior team member by letting them observe your presentations, explaining the outcomes, and gradually involving them in the process. Similarly, parents can apply these principles to raise financially wise children by providing a vision for the family’s wealth and decisions. The Importance of Family Vision A clear family vision is crucial. It defines why you exist, why the wealth has been entrusted to you, and why you make certain decisions. Core values and a family vision ensure that everyone understands the purpose behind their actions. Just like a book's value depends on its purpose, a family's success in stewardship depends on defining what that means for them. By integrating these principles, families can nurture financial wisdom and spiritual growth, ensuring that the next generation is well-prepared to be good stewards of their resources. On Today’s Program, Rob Answers Listener Questions: My wife and I received an inherited IRA from her father. We've been taking the required minimum distributions since he passed away, but now we've been told we must liquidate the entire account, which is around $100,000, by next year. We don't need to take all the money out since we don't

Statistics show that many people aren’t saving for retirement. Others may have far more than enough. How do you find the right balance? Yes, saving too much for retirement is possible, although many more folks aren’t saving enough. What does Scripture tell us about responsible savings? Brian Holtz fills us in today. Brian Holtz is the Chief Operating Officer at Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children . It’s essential to save and invest enough for retirement, but it’s just as misguided to prioritize that above all others, right? The Bible gives us direction in both cases, all with the goal of finishing well: We find God encouraging us to save in Proverbs 21:5, Proverbs 21:20, Proverbs 30:24-25, and Genesis 41:34-36. But like everything else, saving should be intentional. The goal is to be a good steward rather than living a life of excess or becoming less dependent on God. What are some ways to ensure we’re saving responsibly? Discern what God has called you to do. Determine the expected cost, including an appropriate “emergency fund” to ensure you can persevere through challenges. Save toward those specific things and with those particular goals. When you have enough, ask God where He would have you shift new financial resources. It’s important to know what you’re saving for, right? Absolutely! Avoid having money set aside without a purpose. If it’s for emergencies, call it emergency savings. If it’s for kids’ or grandkids’ college, call it that. If it’s for radical generosity, call it that. You may not know precisely what it will be used for, but giving it a name helps you remember the purpose God has called that money to so you can remain faithful in your stewardship. There is a big difference between saving a million dollars for retirement and saving a million dollars for your next car. Give the money a purpose and save an appropriate amount for its purpose. What about retirement savings? In your retirement savings, figure out what total you need to care for yourself and your spouse and faithfully work toward that goal. When you reach that goal, shift additional resources to another one of God’s priorities in your life. With so many unknowns in retirement, you can never have enough, but over-saving can have two negative outcomes. First, it can lead to us adopting a lifestyle inconsistent with our values. If I’ve already determined what I should save to do what God’s called me to do, I’m far less likely to get off track in my spending decisions. Second, when we oversave, we miss the opportunity to participate financially in God's work. While we keep this extra money in our personal accounts, earning ten or fifteen percent a year, it’s not being invested in God’s work, and He always outperforms the market. What new changes are we seeing at Compass? Compass's rebranding and messaging efforts are all centered on helping people understand who we are and how we can help. The new name and tagline is Compass Financial Ministry: Well Versed In Finances. New website: CompassFinancialMinistry.org . On Today’s Program, Rob Answers Listener Questions: I just received an inheritance and wanted to know if it would cause my Medicare premium to go up. My wife's parents both passed away in the last eight months or so, and we now have inherited a farm. We had an appraisal done to establish our tax bases, and we're probably looking at selling a portion of it, at least the house and the farm