Dear Chuck,
My husband and I are both 29 with no children yet. We have about every form of debt you can imagine—student loans, car loans, credit cards, etc. We have tried a few programs unsuccessfully. Can you tell me what will really work to get us out of the deep hole that we have dug for ourselves?
No Light at the End of the Debt Tunnel
Dear No Light at the End of the Debt Tunnel,
Yes. I can tell you what really works to get out and stay out of debt. It will be up to you and your spouse to put it into action.
Set A Goal with a Timeline
Every four years, we watch Olympic athletes perform at the highest level in the world. What we don’t always see is the behind-the-scenes plans and sacrifices they make to get there. They give years of early mornings to workouts, endless repetition, missed opportunities, and financial sacrifice—all this to master their sport with the hope of making the team and winning a medal.
Very few Olympic athletes are wealthy. Many have to work second jobs, rely on sponsorships, or train with limited resources. Why do they do it? They believe the goal is worth the cost.
That principle applies to your situation. How badly do you really want to get out of debt? Are you willing to make a plan, set a realistic deadline, and pay the price to get there? Write it down, and get started. This is step one. Don’t skip it. Read this again.
Get Focused
Most people don’t drift into financial health. They drift into financial hardship when money is spent on convenience, impulse, entertainment, and the pressure to keep up. Unlike Olympic training, those costs usually don’t lead to any meaningful reward.
One of my grandsons wants to make the high school golf team. So he is working with a trainer and sacrificing his social time to improve. He has a specific goal in mind, and his parents are encouraging his effort. Another grandson is saving to buy a car. He is only six years old now, so he puts away birthday money and other sources of income to be ready in ten years to buy his first car. Training always requires saying no to something—even something good—in order to say yes to something better.
My Short List of Best Practices to Reduce Financial Stress
Solution: Train with a Goal in Mind
Just like athletes count calories, track workouts, and stick to a plan, wise stewards count the cost of debt, unmanaged spending, and financial stress. They build margin. They prepare for emergencies. They practice generosity. It isn’t always easy, but it fulfills goals and gives meaning and purpose to life.
A general principle to guide you is this: “What is rewarded is repeated.” It is a management philosophy to help you stay motivated. Set up small celebrations for achieving some of your short-term goals. For instance, when you get $1,000 in an Emergency Savings Account, go to a fun place for coffee or breakfast (cheaper than lunch or dinner) to celebrate this small victory. Plan celebrations for the bigger achievements that you actually look forward to, like an affordable weekend away that you can pay for in cash once big goals are achieved! Build these into your plan.
If you prefer negative motivators, build in a penalty for failure to meet your goal. For instance, if you fall short of your stated goal, take away something you had planned for the month or do something painful, like eating a can of sardines for dinner—unless you really like them. You get the point!
Do you not know that in a race all the runners run, but only one receives the prize?
So run that you may obtain it. Every athlete exercises self-control in all things.
They do it to receive a perishable wreath, but we an imperishable.
So I do not run aimlessly; I do not box as one beating the air.
But I discipline my body and keep it under control,
lest after preaching to others I myself should be disqualified.
1 Corinthians 9:24–27 ESV
Did you catch that? Self-discipline is not punishment; it is preparation. Discipline is always forward-looking. Punishment is always backward-looking. View discipline like an athlete: “No pain, no gain.”
Get Honest With Yourself
If your current financial habits have not taken you where you want to go, do an honest assessment of what is not working.
Here are a few questions worth asking:
The light at the end of this debt tunnel is very bright. His name is Jesus. He will guide you and keep you every step of the journey. Keep your eyes on Him, and don’t look back.
For help with credit card debt, consider reaching out to Christian Credit Counselors. They are a trusted partner of Crown and are able to help consolidate debt and get one on the road to financial freedom.
This article was originally published on The Christian Post on March 13, 2026.
Dear Chuck,
Have you ever written anything to address the “financial grumblers”? I don’t think they know their Bible very well.
Call Out the Financial Grumblers
Dear Call Out the Financial Grumblers,
Not only have I never written on this topic, but I have also never heard the term before. I quickly thought of the verse you may be referring to when you use the term:
“Do everything without grumbling or arguing, so that you may become blameless and pure, ‘children of God without fault in a warped and crooked generation.’
Then you will shine among them like stars in the sky.”
Philippians 2:14–15 NIV
Grumbling and Consumer Sentiment
Grumbling is defined as the “act of complaining, muttering, or murmuring in a low-toned, discontented, or bad-tempered way.” It can be expressed in our words and deeds. No doubt, many Americans are concerned about the high cost of housing, education, and health care. Others struggle with the cost of food, child care, or new cars. The media fuels the discontent. Now they are focused on new worries over soaring oil prices. One writer coined the term “Boomcession” because, by most metrics, the economy is growing, but the average American says they feel little to no benefit.
Grumbling in Scripture
Grumbling reveals a distrust of God’s goodness and a dissatisfaction with His provision.
The Old Testament describes Israel’s grumbling even after God delivered them from slavery through astonishing miracles under the leadership of Moses. He parted the Red Sea, provided manna from Heaven, and brought water from the rock. Yet the people complained about food and yearned for their lives back in Egypt. They even questioned whether God was with them. Their complaints were essentially saying, “God is not enough. His provision is insufficient. His plan is flawed.” This constant barrage of negativity amounted to what you have termed “financial grumbling.”
Grumbling Among the Suffering
Financial stress, uncertainty, lack of opportunity, and daily hardship create real suffering for many. Scripture never minimizes the reality of material need. God consistently shows compassion toward the poor and commands His people to care for them.
The temptation is to believe that God has forgotten them or is withholding something better. Comparison only deepens the wound, which can shift dependence on God’s goodness to bitterness from His seeming inaction.
Yet contentment is not dependent on circumstance. Contentment is learned, cultivated, and rooted in confidence that God’s presence is greater than material provision. The Apostle Paul, writing from prison, declared that he had learned to be content in plenty and in want. (See Philippians 4:11–12.)
Grumbling often springs from fear of not having enough. The remedy is not denial of hardship but trust that God will provide. Jesus taught His disciples to pray: “Give us this day our daily bread.” Trust grows in daily dependence. Our faithful Savior, the Bread of Life, provides for us in ways we often fail to notice.
Grumbling Among the Wealthy
Those with abundance may grumble about non-performing investments, fear of loss, or economic downturns. They complain about taxes, inconveniences, lost status, or someone having more. When prosperity occurs, it often leads to ever-increasing expectations for more.
Instead of grumbling about survival, they grumble about comfort. Trust in God’s provision can subtly shift to portfolios and net worth. Gratitude fades, and entitlement grows.
Grumbling among the wealthy often reveals misplaced security. Instead of thanking God for abundance, the heart fixates on what is missing. Instead of stewarding resources with joy, one resents the responsibilities that come with them. Even generosity can feel burdensome if the heart is not anchored in gratitude.
The wealthy can easily question God’s goodness when markets dip or opportunities close. Grumbling is not reduced by wealth; it is often what a friend of mine calls “complaining about a high-class problem.”
The Root: A Heart Issue
Grumbling exposes dissatisfaction with God’s sovereignty or our lack of financial faithfulness. It corrodes the soul and is contagious. In the wilderness, a few voices of dissatisfaction stirred an entire nation. Grumbling blinds each day’s mercies. It trains the heart to look for problems. Unless corrected, workplaces, families, churches, and ministries will be shaped by a culture of complaint.
The Remedy: Gratitude and Trust
Here’s our challenge: When tempted to grumble, stop and find a way to turn it into praise. Try turning it around and spreading a positive attitude based on gratitude and trust.
“Eggs are still so expensive!” → “Thank you, God, that there are eggs to buy!”
“My electric bill is so high!” → “Thank you, God, for electricity!”
“I can’t believe how much our stock has fallen!” → “Thank you, God, that we have true riches in Heaven!”
What Action Can I Take?
Those complaining about their financial hardship should stop and take an objective look at their situation. What caused it? Debt? Lifestyle inflation? Idleness? Unrealistic expectations?
Acknowledge when you recognize that you have made financial mistakes, then take corrective action. Seek wise counsel. Take a Crown course. Read books to learn how to increase your income or decrease your expenses. Make a plan to get out of debt.
Turn to God: Acknowledge His presence and work, even if yet unseen. Recognize His faithfulness, generosity, and sovereignty. Thank Him for daily provision. Consider the gifts He has entrusted to you: health, family, friends, jobs, opportunities, bank accounts, talents, etc.
Ask Him to supply your particular needs and to equip you for the challenges you face: a job, discipline to pay down debt, the ability to make sacrifices today to prepare for tomorrow.
Remember to take every thought captive. (See Philippians 4:8.) Voice praise instead of complaint. Replace comparison with contentment. Let your painful circumstances deepen your dependence on the Lord.
After all, grumbling is not about money—it’s about the heart. And when our hearts are resting in Him, we shine like stars in the dark sky.
Crown has many biblically based, practical, and empowering courses and studies that can help you find freedom in your finances and career. Learn how to be a grateful financial steward of the resources God provides.
This article was originally published on The Christian Post on March 6, 2026.
Dear Chuck,
Many young couples we know at church have really good jobs, but they are struggling to keep up with their expenses. What would you advise us to do when they ask for our help?
Living Within Our Means
Dear Living Within Our Means,
I saw the post of a “personal finance influencer” on X recently that claims young couples earning $10,000/month in combined household income are at the “poverty level.” Below is part of the post; let’s take a look at the math and analyze the problem:
A normal 2026 monthly budget for couples in their 30’s [sic]:
Housing: $2,500
Food: $1,400
Transportation: $1,450
Healthcare: $980
Childcare: $1,283
Student Loans $1,000
Total $8,613.
This is why people feel making $10,000/month is poverty.
Maybe you can spot the challenges with these numbers too: 1. Food cost must include lots of eating out. 2. Transportation must include expensive car payments. 3. Student loan debt is hanging over their heads as well.
While inflation is a problem that needs to be addressed, more often than not, the problem is not too little money but too much lifestyle. Many young people are living like they’re rich instead of living within their means. They like the lifestyle of the rich, but they are maxed out on credit cards and unable to plan for the future. They live paycheck to paycheck due to influencers on social media or worldly friends. I have found they often have a distorted view of their finances, lack self-control, or are financially illiterate. Many are unaware that by changing lifestyle choices, they can live differently, have more margin, and feel less stressed.
They need to see that God has a different plan for us. His financial principles are given to guide and protect us. Young and old need to know that this is not our home. The here and now is temporary, and how we manage all that God provides determines our eternal life and rewards.
How You Can Help
First, do not criticize or condemn your friends; rather, set the example. Invite them into your lives and show them the ways you manage your budget and make good choices.
Also, consider leading a Crown Study in a small group of your young couple friends. During a session, ask everyone to bring food that is homemade vs purchased at a store. Issue a challenge to see how little they can spend on their item (cookies, muffins, snacks, etc.) versus if they had someone else make it. It is often eye-opening.
Suggest a Crown Budget Coach, but expect them to pay the small fee for materials upfront. After they complete the program, come alongside them and encourage their faithfulness with their budget.
Some Common Mistakes to Discuss
Provide Practical Advice
The Reward of Investing vs the Stress of Impulse Spending
Investing $100 monthly at a 12% yield would earn over a million dollars in 40 years. If delayed five years, investing for 35 years would yield $645,000. See this chart. For more calculators, go here. Compound interest is sometimes called “the eighth wonder of the world.” However, those who spend all their money will never know what that means.
Find Some Great Success Stories
One couple I know made great progress by living like they were poor! They learned to be satisfied with what they had and developed great financial habits. Most older people will tell you not to accumulate stuff because you will eventually have to sell it, store it, or give it away.
Warren Buffett believes in living modestly. He once said, “Most behavior is habitual, and they say that the chains of habit are too light to be felt until they are too heavy to be broken.”
Rather than waiting until dire circumstances force one into changing how money is handled, I propose forming healthy money habits as soon as possible. Biblical financial principles that are practiced day after day, week after week, and month after month will eventually become second nature. Stress will be reduced; joy and security in Christ will increase.
“One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much. If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches? And if you have not been faithful in that which is another’s, who will give you that which is your own? No servant can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”
(Luke 16:10–13 ESV)
If credit card debt is a financial burden for your friends, suggest they reach out to Christian Credit Counselors. They are a trusted partner of Crown and are able to help consolidate debt and get one on the road to financial freedom.
This article was originally published on The Christian Post on February 26, 2026.
Dear Chuck,
Is it wrong to enjoy wealth or nice things? I feel guilty for how the Lord has blessed us.
Counting My Blessings
Dear Counting My Blessings,
No, it is not wrong to have nice things; however, let’s examine two false teachings about money.
One is the prosperity gospel, which says we can demand God to make us materially rich and that wealth is a sign of His favor in our lives. The other is the poverty gospel, which deems money to be evil, assumes the rich must be greedy, and believes electing poverty makes one more righteous in God’s eyes.
Remember, we are all unrighteous and only made righteous as a gift of Christ’s righteousness through faith in Him; it is not earned by our works.
The Bible teaches us that everything belongs to the Lord; all that we have is not just a blessing but also a responsibility as His stewards. 1 Corinthians 4:2 declares that “stewards must be found faithful.” So often, Christians thank God for their abundance but disregard their responsibility to use their resources as faithful stewards of temporary riches.
When we think money is ours, we usually ask ourselves, “How much of my money should I give?” The better question is, “How much of God’s money should I spend on my lifestyle?”
Faithful Stewardship
It’s important to prayerfully determine a balanced financial position and be cautious against advisors who create rules out of principles. We need to examine our own hearts before the Lord and His Word: Are we accumulating too much? Are we protecting rather than growing in generosity? How much should we leave our children? How much should we invest or hold for retirement?
Answers vary for every family, and they need to be prayed over and discussed with wise, godly counselors.
How Much Is Enough?
We have enough when we can “do good, be rich in good works, be generous and ready to share, thus storing up treasure for ourselves as a good foundation for the future, so that we may take hold of that which is truly life” (1 Timothy 6:18–19 ESV paraphrased).
Let’s aspire to live this way! We’re to work and provide for our loved ones while keeping a humble dependence on God. Affluence presents a great threat to our walk with the Lord. For “Where your treasure is, there your heart will also be” (Matthew 6:21 ESV).
We should not depend on the government, the church, or others when we have the ability to work and provide for ourselves or the opportunity to advance our education. Laziness is unacceptable. We should also not feel guilty when our work has financial rewards.
Decisions about future provision vary according to our circumstances. God’s plan for our lives will determine necessary lifestyle adjustments.
At a minimum, we should implement plans to save for upcoming needs and emergencies. Then we can focus on increasing our generosity, long-term savings, and investing.
Wealth Carries Risk
God warned Israel of the risk in Deuteronomy 8: “When you have eaten and are satisfied… when your silver and gold increase… then your heart will become proud and you will forget the Lord your God” (Deuteronomy 8:10–14 NIV).
Their danger wasn’t poverty; it was prosperity. Affluence can quietly shift our dependence. When resources increase, it’s easy to trust salaries and savings accounts more than our Provider.
Jesus said in Luke 12:15, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions” (NIV). Wealth offers security, but unless accompanied by surrender, it can lead to self-sufficiency and become an enemy of faithful stewardship.
Wealth is not evil. It’s a tool. But tools can build—or they can distract.
If God has entrusted you with much, guard your heart. Practice gratitude daily. Work joyfully, give sacrificially, and invest in what lasts forever.
The greatest threat of affluence isn’t losing money; it’s losing dependence on God.
Be Grateful for What You Have
The truth is, most Americans are rich beyond comparison when viewed in the context of economic history. But too often, we only compare ourselves with what our friends have. If they buy a new car, we may be tempted to do likewise. Or we can rejoice with them while being grateful that our vehicle still works and that we can help others afford a dependable vehicle in their need.
Paul spoke with the Ephesian elders, saying, “I coveted no one’s silver or gold or apparel. You yourselves know that these hands ministered to my necessities and to those who were with me. In all things I have shown you that by working hard in this way we must help the weak and remember the words of the Lord Jesus, how he himself said, ‘It is more blessed to give than to receive’” (Acts 6:33–35 ESV).
Paul wrote to the Philippians, “I have learned, in whatever situation I am, to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me” (Philippians 4:11–13 ESV).
Time Here Is Short, but Eternity Is Long
“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also” (Matthew 6:19–21 ESV).
I refer you to some of my friends, the Hobelmann brothers, who set a financial finish line:
https://www.finishlinepledge.com. Prayerfully consider if the Lord is leading you to do likewise.
Whether you’ve been part of Crown for years or are just discovering us, we’d love for you to be part of our 50th Anniversary Celebration. For five decades, Crown has taught biblical stewardship principles that transform finances, strengthen families, and deepen faith. Lives have been changed. Communities have been empowered. Purpose has been rediscovered. And we’re just getting started!
This article was originally published on The Christian Post on February 20, 2026.
Hi Chuck,
A friend just told me her widowed mother fell for a scam that cost her $20,000. I am concerned about my elderly father and his mobile phone. He now knows that he doesn’t have to answer every phone call. But he reads every text, and I need to know how to help him avoid getting scammed.
Protection from Scammer
Dear Protection from Scammers,
This happens far too often and can be devastating. Seniors are becoming frequent targets due to their vulnerability, lack of technology skills, and potential access to resources.
The key is to outsmart scammers by pausing, refusing to react emotionally, and getting a trusted person’s opinion before taking any action requested. Help your loved one understand that no legitimate organization will request personal information or demand urgent action in a text.
We pulled together some information that I hope will be helpful to you and your elderly father.
FBI Warning on Text Message Scams
Texting scams are often referred to as “smishing.” The term comes from combining SMS (Short Message Service or text messages) with “phishing.” The goal is to deceive people into revealing personal information or downloading malicious software. Red flags that are worthy of caution are urgent requests for personal information or offers that seem too good to be true.
Common “Smishing” Scams
Protective Measures
Guard Information on Your Phone
Scammers Are Using AI
According to an article at Forbes, AI tools are being weaponized by scammers to:
Fear and Urgency
Zak Doffman at Forbes reported in June that, according to the FBI, “Scammers always prey on people’s fears. They’re always opportunistic… They try to ratchet up that sense of urgency so that you don’t think about what you’re doing and then they just send the money.”
If anyone gives personal or financial details to a scammer, report the text messages to the FTC using the instructions at the bottom of their guide. Notify the bank or credit card company (without using the same number given when returning the scam text) about the issue.
There are three ways to report spam text messages:
Advice for Believers
“Smishing” scammers depend on getting victims to click before they think. The Bible instructs us to be shrewd.
For the Lord gives wisdom; from his mouth come knowledge and understanding; he stores up sound wisdom for the upright; he is a shield to those who walk in integrity, guarding the paths of justice and watching over the way of his saints.
(Proverbs 2:6–8 ESV)
Jesus called his twelve disciples to him and gave them authority… ‘I am sending you out like sheep among wolves. Therefore be as shrewd as snakes and as innocent as doves. Be on your guard.’” (Matthew 10:1, 16–17a NIV)
Advise your Dad to be shrewd, innocent, and guarded when it comes to sharing information and responding to texts. There are wicked people in this world who will take advantage of the innocent.
Be Diligent
I am receiving more junk emails, calls, and texts than ever before. I delete and report them because it informs my phone’s system and carrier about spam messages.
This simple step can improve detection and reduce future unwanted messages. Carriers may flag the sender’s number, which can help block future messages from that source. The more we report spam, the better our systems become at identifying and filtering unwanted messages. By deleting and reporting junk texts, you protect yourself and help reduce spam for everyone. (Note, this does not block the sender. That’s a step you have to do yourself.)
Do you want more tools and tips on financial stewardship? Are you interested in receiving encouraging ministry updates from around the world? Sign up to receive the Crown Newsletter emails by using the form on the homepage at Crown.org.
This article was originally published on The Christian Post on February 13, 2026.
Dear Chuck,
The new Trump Account sounds very interesting. Should I contribute to it for my children? Anything that worries you?
Young Mom of Two
Dear Young Mom of Two,
First, let’s define what you mean by “Trump Account” to be sure we are on the same page. I like to think of it as a “Children’s Jumpstart Account.”
A Trump Account is a new type of long-term investment account created under the One Big Beautiful Bill Act (OBBBA) to encourage early saving for minors. Think of it as a starter IRA owned by a child with a parent or guardian acting on behalf of the beneficiary until they reach the age of 18. It’s been described as a cross between a traditional IRA and a 529 savings account. Because of that, they will be difficult and expensive to liquidate before the age of 18 in order to protect the money for the child’s future.
How It Works
Seed money can be gained when opening a Trump Account. It is free money that costs you nothing to claim, except the time to complete the form. This government pilot program will provide $1,000 to eligible children born between Jan. 1, 2025, and Dec. 31, 2028, who have valid Social Security numbers and are U.S. citizens. The Treasury Department will create and administer the initial accounts, which are slated to be available July 5, 2026. Families can then roll over the account to a financial provider that has a Trump Account product.
Form 4547 must be filed through the IRS, or go online at trumpaccounts.gov. When filing, elect the option to open the account. Then elect to request the $1,000 if eligible. Two children can be elected on one form. File additional forms if needed. This can be filed with your 2025 tax return.
Individuals (parents and grandparents), employers, and charities may contribute up to $5,000 in total. The initial $1,000 seed money does not count toward the annual limit. If the limit is exceeded, the IRS may assess a penalty until the excess is corrected by withdrawing the over-the-limit contribution and any earnings.
Qualified general contributions (from charitable organizations) do not have an annual limit, which will benefit eligible families. Investments are limited to low-cost index mutual funds or ETFs with a 0.10% expense cap and no leverage. No withdrawals are allowed before age 18. After that, traditional IRA rules apply, with earnings being taxable when withdrawn.
It is highly important to keep accurate records of contribution sources for future distribution tax purposes and rollover reporting. Also, be aware of new details or changes that may occur prior to July 5, 2026.
Kiplinger reports that $1,000 allowed to compound at the S&P 500’s average 10% return would be worth over $490,000 by the time a child reaches retirement age. For children born before 2025, you may want to consider the options listed below.
Benefits of a Trump Account
Things to Consider
Options
No Worries, Just Some Considerations
A slight caveat to be aware of, according to Amanda Macias at FoxBusiness:
“The IRS has issued only preliminary guidance and is now seeking public feedback, a formal process that allows parents, financial experts, companies and advocacy groups to comment before the regulations are finalized. The comment period remains open through February 20, 2026, meaning many details of the program are still subject to change.”
If this is approved, I see no reason not to take advantage of the offer for free money. My advice is to open a Trump Account for each of your qualifying children. It is important to max out your own retirement accounts, particularly if an employee match is available, before you begin socking extra money away in the children’s Trump Accounts. Remember, not every child will go to college, so consider the most flexible options and benefits of a variety of accounts. I have links to additional resources below.
Consider using the same level of restraint as in the Trump Account for your personal financial management. Treat all funds as dedicated to your future, and be disciplined in how you give, save, and invest regularly.
As in all things, God is pleased with good stewardship. Keep good records, give faithfully every month, and save and invest a portion of all your income with consistent discipline. Just as a Trump Account, compounded over many years, can yield significant returns, this approach will pay great dividends over time.
Extra Information
I’d like to invite you and your family to join a free Crown Bible study on the YouVersion app. Saturate your mind daily with instruction and encouragement from God’s Word.
This article was originally published on The Christian Post on February 6, 2026.
Dear Chuck,
Last year was the first time I had ever heard of Frugal February. Our family of four plans to try it, and we welcome some of your ideas to make it work.
Family Needs to Save More
Dear Family Needs to Save More,
“Frugal February” is a term that people have adopted as the month to focus on saving money. My guess is it was born out of what many experience as a “Holiday Hangover”—too much spending on the three major events in November, December, and January. Whether desiring to pay off debt, build savings, or work toward a specific goal, February is the chosen month for the challenge.
I have had to learn to be frugal. My wife, Ann, has it in her DNA, but I am the opposite. I always spent more than we had, so progress was a challenge for years. The two of us have collaborated here to share some of our best tips since she is our in-house expert on frugality. We will start with her tip: make frugality fun! Yes, she sees this as fun, which is a very helpful way to get your family excited about it. Let’s get into some of our helpful tips.
Frugal Families Work Together
Small adjustments in spending can add up to make a big impact. Practiced over time, a frugal mentality helps financially strapped individuals and families make great progress. The challenge can actually be fun, so recruit friends or family to join you. Set some goals and rewards for the children to get excited about.
If you don’t already have one, establish a budget. Try Crown’s Quick Start Guide or NerdWallet’s list of free templates. Track your spending, and aim to reduce variable costs as much as possible. Cut out all unnecessary spending. Do you really need every one of those streaming services, subscriptions, or apps? If you are paying $12.99 per month for one, that is $156 every year. Five services cost $779 per year. Ten services add up to $1559 annually! That money could go a long way toward paying down debt or funding an emergency account. In addition, try the following:
Manage Your Food Costs
Cut way back on food expenses by planning to eat at home. Weekly meal prep will save you the cost of eating out. Cook from scratch. Don’t know how? Invite an older friend or family member to teach you. Make your own coffee, carry lunch to work, and prepare snacks to avoid buying fast food. Eat out of the pantry and freezer. This is a great way to clean out and save money! Prepare extra to freeze, take for lunch, or enjoy later.
Get creative. Google “frugal meals.” Have fun! Eat breakfast for dinner, and give thanks. How about hosting a “Frugal Potluck”? Think about poor nations whose people are glad to have anything to eat! Do not complain. Instead, look forward to the extra money you will save during the month. When March comes around, you may have developed new habits that will enable you to continue saving.
Consider Lifestyle Changes
Perhaps this is the month you need to pray about and pursue major lifestyle changes to relieve financial stress and reach important goals. It is easy to get caught up in worldly things, but they will never truly satisfy. Ask the Lord to give you discernment and unity with your spouse in decision-making.
In addition to cutting spending, use the month to get your financial house in order:
Cut the cost of entertainment by finding free (or low-cost) museums, parks, and cultural events. Invite friends over. With the money saved in less than 30 days, you can reduce your credit card debt, fund an emergency account, or save for a major goal.
Take the Frugal February challenge one day at a time, and see how much a little self-discipline can work for you! Contentment is key. Don’t get discouraged because of a setback. You can be frugal in March, April, May, and so on! Seek to become a better steward of what you’ve been entrusted with, and post your frugal tips below!
“For I have learned in whatever situation I am to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me.” (Philippians 4:11b–13 ESV)
Set and achieve your goals with the help of a personal business coach. Crown’s online Budget Coaching program matches you with a certified coach who will work with you to develop a customized plan to put you on the road to financial freedom.
This article was originally published on The Christian Post on January 30, 2026.
Dear Chuck,
My daughter asked me for my thoughts on FinTok for helping college kids handle money. Can you give me your perspective on this?
Not a FinTok Mom
Dear Not a FinTok Mom,
For those who do not know what we are talking about, there is a community on TikTok where influencers and users share financial advice and education through short videos. The hashtags #FinTok and #PersonalFinance have billions of views, indicating a strong interest in financial topics within the TikTok community. FinTok is especially popular with Gen Z and Millennials, who prefer this platform over traditional financial advisors.
Entertainment/Financial Advice
The content is designed to be both educational and entertaining. Topics like budgeting, saving, investing, and retirement planning are addressed, and interaction is encouraged through comments, questions, and shared experiences.
On one hand, it’s good to know that young people are taking an interest in financial literacy. However, just because something is “viral,” the actual money advice isn’t always reliable, especially when compared to Biblical wisdom that has proven to be helpful and accurate for centuries. Content can be misleading or based on personal experience, not expertise. Some scam content posted by influencers promotes expensive courses or products without any real value.
Third Party Evaluations
We found an interesting source called Daytrading.com that created the Finance TikTok Report Card to analyze viral claims and grade them for “accuracy, disclosures, oversimplification, and educational value.” They reviewed finance and investing videos during September 2025. Combined, the videos they reviewed received nearly 256,000 views. Here is a summary of the article:
The Findings
The Discoveries
The Implications
It Is Catching On
Chime.com surveyed 2,000 Americans (Gen Z, Millennials, Gen X, and Baby Boomers) to see how TikTok is shaping financial habits. Here is a summary of the impact in 2025:
User Habits
Goals & Focus
Popular Money-Saving Trends
Risks of Scams
Pioneer reports: “As more people have gotten wind of the FinTok trend, there has been an increase in scam content. This usually comes in the form of people showing off their money, cars, and houses with promises of helping users become more ‘financially free.’ Sadly, many of these accounts are fake—as are the lifestyles they promote. The creators use their content to gain trust and leverage an audience and then package up their ‘advice’ into expensive courses and products.”
Helpful Biblical Perspective
To help you support your daughter, I would say there is a benefit in that some are taking positive action to improve their finances. However, like any advice, it should be filtered through a Biblical lens to determine if it is truly helpful or just a lie wrapped up in clever marketing. In my own life, I had to learn the dangers of becoming a success in man’s economy but a failure in God’s economy. The following verses will help you discuss what is truly important for her to understand that is not likely to get posted on FinTok:
God is the Owner. We are temporary stewards.
“The Earth is the Lord’s and the fullness thereof.”
Psalm 24:1a (ESV)
He provides, but we are to place our faith totally in Him.
“Keep your lives free from the love of money and be content with what you have, because God has said, ‘I will never leave you, never will I forsake you.’”
Hebrews 13:5 (NIV)
Avoid greed and boasting.
“Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil.”
1 Timothy 6:9–10a (NIV)
Be faithful, not greedy.
“The plans of the diligent lead to profit as surely as haste leads to poverty.”
Proverbs 21:5 (NIV)
Be generous.
“Honor the Lord with your wealth, with the first fruits of all your crops.”
Proverbs 3:9 (NIV)
Keep an eternal perspective.
“Do not work for the food that perishes, but for the food that endures to eternal life, which the Son of Man will give to you.”
John 6:27 (ESV)
Whether you’ve been part of Crown for years or are just discovering us, we’d love for you to be part of our 50th Anniversary Celebration. For five decades, Crown has taught biblical stewardship principles that transform finances, strengthen families, and deepen faith. Lives have been changed. Communities have been empowered. Purpose has been rediscovered. And we’re just getting started!
This article was originally published on The Christian Post on January 23, 2026.
Dear Chuck,
Everything seems to be getting expensive fast. What should I do to protect my family? Is it time to buy or sell? I am confused.
Should I Buy or Sell?
Dear Should I Buy or Sell?
Your question is very relevant to all of us. Prices are going up, and our purchasing power is going down. Fortunately, this topic is addressed in Scripture. Let’s take a brief look at where we are, and then I will offer some Biblical perspective.
Everything Is Going Up!
I recently read a report published by The Kobeissi Letter, an industry-leading commentary on the global capital markets (not an endorsement, just a data source), that noted where we are right now:
Their conclusion: “Fiat currencies are depreciating.” My translation: The US dollar is losing purchasing power, and everything is being affected at once.
One of the most interesting replies to the post on X was: “My Anxiety = Record High.”
The Dollar Continues to Devalue
The most recent data through December 2025, with updates just released this week from the Consumer Price Index, reveals the following:
To Buy or to Sell?
Your question and the anxiety you may be experiencing are driven by the tension we all have of being unable to know the future. The Bible makes it clear we cannot know what one day will bring. So we must live one day at a time, obey God’s principles, and put our faith in Him—not money. With that perspective, we can try to discern whether we will enter a period of deflation or continued inflation and make necessary adjustments.
If the supply of goods begins to exceed the demand for those goods, prices will go down. Often, high prices reduce demand (fewer people can afford to buy), and prices begin to drop. If that dynamic persists over a sustained period, we enter a depression, such as happened in 1929–1933.
If the supply of money exceeds the available goods, then prices go up, and inflation persists.
The reality is that it is better to buy assets during a period of deflation and sell assets during a period of inflation. This is the proverbial “buy low, sell high” strategy. Sir John Templeton determined his timing by framing it around emotional sentiment. He said we should buy during times of peak pessimism and sell during times of peak optimism. The problem is always a matter of knowing what period we are actually in. This leads me to Solomon’s wisdom and counsel.
Stay Diversified
“Give a portion to seven, or even to eight, for you do not know what disaster may occur on the earth.” (Ecclesiastes 11:2 ESV)
This is widely seen as the Bible’s clearest endorsement of diversification—spreading investments across multiple ventures so that if one fails (due to unforeseen “disaster”), others may succeed. Modern financial experts often cite this as ancient wisdom for not putting all your eggs in one basket. This equates to no more than 12–15% of your investments in a single asset.
Be Patient
“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”
(Proverbs 13:11 ESV)
Building resources gradually through consistent effort (like compounding in investments) rather than chasing quick riches is an approach that demonstrates wisdom.
It has been said that fear and greed are the two key drivers of when people buy or sell. However, we must set aside our emotional responses to economic news and keep these two Biblical principles in mind. I would not suggest you make a decision to buy versus a decision to sell. Instead, make a decision to sell some assets and possibly buy others after seeking wise counsel or professional advice. Remain diversified, be cautious, and stay diligent, regardless of what may change in the economy.
Persistent, Escalating Inflation Dangers
I don’t foresee a case in which the United States federal government starts to exercise fiscal constraint by curtailing deficit spending, paying down debt, and limiting the printing of money. Socialist thought is spreading, which means the demand for more social services from national, state, and local budgets is increasing. However, an economic crisis could force austerity measures upon us.
I said in 2021 that we are effectively practicing “Modern Monetary Theory” (MMT), which is a macroeconomic theory that suggests governments that issue their own currency can spend freely without needing to rely on taxes or borrowing. This ideology advocates that Uncle Sam can print and spend our nation’s way out of any financial problem and that federal debt does not matter. I call it the “Monopoly Money Theory” because it is foolish. Debt does matter. Money supply does matter. When people lose confidence in their currency, a deeper devaluation is likely. Inflation is like an invisible tax the government passes along to us without our permission!
Without a significant economic crisis to serve as a wake-up call, be wary of persistent inflation, and continually monitor the potential for escalating inflation if fiscal and monetary policy is not reformed. Grow in wisdom and discernment to know when it is best to sell and when it is best to buy. Avoid overreacting or responding to fear or greed.
You may benefit from reading my book Seven Gray Swans: Trends That Threaten Our Financial Future. In it, I discuss several economic threats, including MMT, digital currencies, universal basic income, democratic socialism, etc., that we should keep in full view as we navigate a volatile economic environment.
This article was originally published on The Christian Post on January 16, 2026
Congratulations to our Venezuelan neighbors and the brothers and sisters in Christ who have long prayed for Nicolas Maduro to be removed from office. Witnessing millions of Venezuelans celebrating within the country and in other nations around the world brought me great joy. It was a clear indication of the level of misery and suffering the people have endured under evil, tyrannical rule, which began under Hugo Chavez in 1999. This problem impacts all of us because communist nations, such as China, Russia, and Cuba, are all vying for influence and directional control of our very close neighbor on the other American continent.
A Historical Perspective
In 1950, Venezuela, with its vast oil reserves (the largest known reserves in the world), had the fourth-highest GDP per capita in the world, passing European nations that were recovering from WWII. Fluctuating oil prices, political turmoil, socialist policies, excessive debt, and money printing led to runaway inflation. In 2018, it is estimated that hyperinflation reached 1,700,000%. Poverty soared to over 90%, and more than eight million citizens had to leave their homeland to look for a means to take care of their families. Anyone over 70 years old has witnessed one of the greatest economic collapses in modern history. The estimated 28 million citizens who remain have suffered extreme hardships, and they need our help.
A Challenge to Help
To my fellow believers, the door of opportunity is opening for significant ministry to take place, assisting the people in restoring their lives and livelihoods that have been stolen from them through unleashed corrupt and oppressive forces for more than 25 years. While the government is doing its part to restore the rule of law, support ethical leadership, and rebuild the petroleum and mineral-based economy, we, the Body of Christ, must do our part as well.
If you only watch the news, your perspective will be jaded by pictures of gang members, illegal immigrants, and the fringes of society that have caused the nation to suffer a public relations nightmare. But there is a completely different side to the nation that many likely do not know about. My call to help comes from a personal love for the people in this beautiful nation. Allow me to explain.
Crown Financial Ministries has had trained leaders (nationals) working inside and through local churches in Venezuela for more than 20 years. We were invited to begin our training programs through a highly educated, upright volunteer who helped us expand tremendously without asking for a dime. He eventually became our full-time staff member. I personally traveled to Venezuela when it was still possible for Americans to safely visit the country during Chavez’s tenure in 2011.
After the economy collapsed in 2018, we helped relocate our staff member and his family to Mexico; then they legally immigrated to our international headquarters, where he continues to serve in executive leadership, overseeing our outreach to Spanish speakers in the United States as well as in Central and South America. His unique, firsthand perspective is shaped from growing up in a prosperous, cohesive society and watching it crumble from within through the iron-fisted dictatorships of Chavez and Maduro. Their relatives, friends, and network of Crown leaders that remain in Venezuela keep them accurately informed of the reality of what is happening on the ground.
A Plan to Flourish
In God’s timing, we hope the nation will become stable and secure enough for foreign missionaries and church and business leaders to enter Venezuela again. Please pray for that day to come sooner rather than later. At Crown, we believe it will take many agencies working in collaboration when the window opens to begin to make a difference in the name of Christ.
Here’s a list of current priorities from the feedback we are receiving:
A miracle can rise from the ashes in Venezuela. It has the potential to rewrite history from a once strong nation to a failed nation to a nation restored and fully flourishing again because God’s people did their part for their hurting neighbor. Let’s not look the other way. The solution is not political or economic. The people of Venezuela need the love of God on full display in the weeks, months, and years of rebuilding that lie ahead.
Are you interested in receiving ministry updates from around the world? Do you want helpful and encouraging tools and tips on financial stewardship? Sign up to receive the Crown Newsletter emails by using the form on the homepage at Crown.org.
This article was originally published on The Christian Post on January 9, 2026.
