The Flow of Money > Dave and Reb catch up with listeners as they spend time in Isaiah 40 and create a space to receive encouragement from God. Episode #375 of “Let’s Talk Money with Dave and Reb” reminds listeners that the flow and current of money, as with water currents, requires readjusting and readapting to the specific circumstances that people are dealing with. Finding the right tool to contain and manage provision is an important step in becoming financially responsible.

     “Provision is God’s domain and when He pours into our life we need a mechanism, a vessel to hold the outpouring of his provision,” David says. 

The Story We Tell Ourselves > While money and numbers may be black and white, the story behind the money is often a lot more complicated than it looks at first glance. In episode #374 of “Let’s Talk Money with Dave and Reb”, Dave and Reb look at the story money tells us and the disillusionment that comes when you really look at what your money is saying. Does the story we tell ourselves align with the reality of our financial situation?

     “We get to an intersection in life and all of a sudden the path diverges in life. You go through the disillusion, grieving stage and then wonder, what narrative have I been believing? What is the story that God wants to write in my life and my financial journey? If you cling to the old idea, you can never move forward.” – Reb 

Coaching Freedom with Gwen Stokes > Dave and Reb are joined by Gwen Stokes on episode #373 of “Let’s Talk Money with Dave and Reb” to hear about Gwen’s journey in financial coaching with More Than Enough. By focusing on the practical tools in cash-flow coaching and the exploration into the heart issues surrounding her money story, Gwen encourages others by sharing how she recommitted her financial journey to Christ.

     “When you get in the position where you feel so overwhelmed with your finances, having someone to set your feet on solid ground becomes an amazing journey,” says Gwen Stokes. 

Give Us This Day Our Daily Bread > Dave and Reb explore the practical and heart issues surrounding walking with God daily in seasons of need. On episode #372 of “Let’s Talk Money with Dave and Reb”, they challenge listeners to not only turn to God for direction on their daily needs, but also question how that direction aligns with God’s will and His way. Whether it’s manna in the desert or a mortgage payment, Dave and Reb encourage listeners to see that God has a plan.

     “It requires allowing God to speak to your heart about the practical daily bread, but also allowing the Word to speak to you individually about how to do the Lord’s will and His way,” says Dave.

The Marker Point of Obedience > What do nurture and obedience have in common, and what do they have to do with money? On episode # 371 of “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg shares a story of persevering obedience when a journey of financial giving turned into more than he expected. Following God’s directive became a marker point that led Him to grow in financial awareness and the need to nurture God’s word as a seed in His life.

     “I realized through the process that I did hear from the Lord, and I needed to be obedient even if the outcome wasn’t clear,” Ray says. “Creating space to nurture God’s word in my heart and emotions is very important so that His word settles in. It is then I can take it to heart and be obedient.”

Intentional Holiday Planning > It’s March break in many places across the country and people are either heading south or dreaming about it.

     On episode #370 of “Let’s Talk Money with Dave and Reb” the co-hosts talk about holiday planning that not only includes financial awareness, but God awareness. The old english word for holiday actually means ‘holy day’ and Dave and Reb encourage listeners to set apart time to not simply ‘vacate’ life, but to rest and take time with the Lord.

Hang on to Common Sense > No matter how good at math or stewardship you think you are, there is always this certainty that your life brings uncertainty. As much as we’d like to plan for everything, we just can’t because we can’t fully know the future.

     On episode #369 of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about the importance of verses found in Proverbs 3 that encourage God’s people to walk in common sense and discernment, especially in regards to the unknown. They help listeners think about how to apply common sense and discernment to daily financial management.

Getting Real About Debt > Dave and Reb want to talk about money, and they want to help you face your debt issues head on! On episode #368 of “Let’s Talk Money with Dave and Reb” they want listeners to get real about financial debt by facing their own financial stories and making a plan. They revisit this much-talked about topic with help from Scripture verses like Psalm 37:21 and James 1:27. Understanding net equity and knowing where you stand at this time and season is also a helpful place to start.

     “Remember that it is in debt we are putting ourselves in a position of being enslaved to someone else,” Dave says.

     Recent statistics reveal a bleak outlook for Canadians with 45 per cent of Canadians being just about $200 away from meeting financial obligations.* However, Dave and Reb want to encourage people not to lose hope. Getting real about your financial situation is just the beginning of finding your way through.

Expanding Our Window of Tolerance with Amanda Van Noppen > How do you talk about money when the stresses and strains of life push you into spaces of overwhelm? How do you know when you are just too stressed to talk about money but you know you need to? On episode #367 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome Psychotherapist Amanda Van Noppen to talk about windows of tolerance and how to recognize when we get outside of those windows. Turning to flight, fight, or freeze options for coping, we can find ourselves unable to manage communication around money, or the sound financial practices we want to develop. 

     Tune in to the show for tips on how to get back into your tolerance windows so money conversations are helpful and hopeful. Some of Amanda’s tips include deep breathing, going for a walk, giving or receiving hugs and comfort, or finding the best ways for connection you enjoy.

More Financial Reference Points with Rev. Ray Borg >  With so much information bombarding us daily, we can use all kinds of financial markers to determine whether or not we are managing our finances well. On episode #366 of “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg engages more conversation with the co-hosts about what these look like in our lives. Following the biblical principle of giving is one such marker.

     “God expresses His love to us by giving us resources and we can ask ourselves ‘how are we using these resources for His glory?’” Rev. Borg says. “We can look at whether we are giving at all, and if we are, then where are we giving.”

Welcome to Our Tax Prep Party >  Are you the type of person who drags your feet when it comes to tax preparation? On episode #365 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome back the More Than Enough Tax team to talk about hosting a Tax Prep Party. It’s an idea they generated to inspire people to add a bit of fun to the tax season and do it with community around you. 

     “Preparing is always a good idea because it can quickly turn into a messy financial situation if you remain unaware,” Reb says. “Having a party simply makes it more fun and enjoyable while you get the job done!”

     To find a list of necessary tax items needed to file with the Canada Revenue Agency go to https://morethanenough.ca/taxes/.

Mortgage Renewals Are Coming - Are You Ready? > Financial housing experts say there are 2.2 million mortgages coming up for renewal in the next two years. On episode #364 of “Let’s Talk Money with Dave and Reb”, the co-hosts encourage listeners to face what is coming especially if they know their monthly mortgage payments are going to experience an increase. 

Dave and Reb make a few suggestions on how to manage the upcoming renewals by encouraging listeners to increase how much they can pay right now, even if their renewal isn’t happening for a few months. They also suggest looking at any lifestyle changes that could save money and go towards the mortgage.

“Getting a clear picture of where you are financially, right now, is a great place to start,” Dave says. “This will help you manage the changes that are coming.”

Loud Budgeting Pushback > Loud Budgeting. A new trend that influencer Lucas Battle named and voiced in a recent TikTok video has taken hold of people’s imaginations. (You can find it here: https://www.tiktok.com/@lukasbattle/video/7317757538676641066) Loud Budgeting is not about not having enough money, but about telling people “I don’t want to spend”. On “Let’s Talk Money with Dave and Reb” episode #363, the co-hosts dig into this new idea as a form of pushing back against the tide of consumerism and debt. 

     “There is a message from some media sources that leaves people feeling there is nothing they can do about the economic reality they are facing with strained finances,” Dave says. “That is simply not true, and Loud Budgeting takes a stand and says ‘let’s do something about it!’”

Marker Points for 2024 with Rev. Ray Borg > What are your financial reference points in 2024? Dave and Reb begin a discussion with Rev. Ray Borg from Financial Discipleship Canada about what we use as marker or reference points in determining our financial and spiritual successes. On episode #362 of “Let’s Talk Money with Dave and Reb” they talk about the differences between blessing and privilege and how our perceptions of God and our financial behaviour have a direct impact on our attitudes around God, ourselves, and money. 

     “Sometimes we can be so focused on building our own comforts we don’t see that we are creating false narratives around money,” Dave says. “We need to be careful that we don’t equate what we think is good financial behaviour with blessing from God.”

Tax Talk with More Than Enough > The More Than Enough tax team joins Dave and Reb on episode #361 of “Let’s Talk Money with Dave and Reb”. As the tax preparation season quickly approaches, the special guests talk about both the spiritual and practical details that listeners can consider. They discuss the importance of preparedness, follow-through, and taking ownership and responsibility for tax compliance.

     Listen to the end of the show to hear their crazy idea that might just help you get your taxes done!

     To find a list of necessary tax items needed to file with the Canada Revenue Agency go to https://morethanenough.ca/taxes/.

Hope and Freedom for the New Year > There is financial hope and freedom for Canadians to discover in 2024 and on episode #360 of “Let’s Talk Money with Dave and Reb” the co-hosts encourage listeners with the possibilities as they put sound financial habits into practice. Hope and freedom can even come before all debts are paid off because of renewed thinking and behaviour around money. To receive encouragement for the year ahead, tune in to today’s show which is sponsored by Financial Planner Joanne Jehu. Joanne helps clients with financial planning, money management, investments, retirement planning and preparation, as well as areas of risk management including insurance protection. To connect with Joanne and find out more information, go to https://joannejehu.ca/.

     Here is a quote from today’s show from the late pastor and author Eugene Peterson who writes about Psalm 130 and the hope we have as we watch and wait for God, like watchmen waiting for the morning.

     Hoping does not mean doing nothing. It is not fatalistic resignation. It means going about our assigned tasks, confident that God will provide the meaning and the conclusions. It is not compelled to work away at keeping up appearances with a bogus spirituality. It is the opposite of desperate and panicky manipulations, of scurrying and worrying.

     And hoping is not dreaming. It is not spinning an illusion or fantasy to protect us from our boredom or our pain. It means a confident, alert expectation that God will do what He said He will do. It is imagination put in the harness of faith. It is a willingness to let God do it His way and in His time.*

     To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.

     *Peterson, Eugene. A Long Obedience in the Same Direction. (Illinois: Intervarsity Press, 2021). 138.

Year-end Reflections > As 2023 comes to an end, Dave shares his process of slowing down after the intensity of the Ottawa real estate market through the pandemic years. On episode #359 of “Let’s Talk Money with Dave and Reb”, the co-hosts tell listeners about their experiences and the rhythms of this past season of their lives, as well as how important it is to follow God’s leading, especially through changing financial seasons. 

     “Understanding what we need for the season we find ourselves in is so important,” Dave says. “Are we preparing the fields, planting, harvesting, or taking a rest? In my case, I have been coming down from some busy years of both planting and harvesting and I am learning how to recuperate and rest with God in His presence even while continuing to run the business.”

The Hope of Christmas > God is with us. This is the Christmas message Dave and Reb explore on episode #358 of “Let’s Talk Money with Dave and Reb”. While many of us struggle with stumped hopes at this time of year, listeners are encouraged to remember that the seed of God came at a time of great challenge and despair. Jesus came as a branch of hope.

     They remind all of us that we can walk in His peace and contentment as we know He is with us, release our anxiety to Him, and then turn our hearts to thanksgiving.

     “How does Jesus’ hope for us translate into our finances?” Reb asks. “It starts with knowing He is near.”

Meet the MTE Tax Team! > Not too many people like to think about tax season during the month of December, but on episode #357 Dave and Reb gently get listeners thinking about CRA and tax time by introducing the More Than Enough tax team. Stephen Tibben, Destiny Johnson, and Bron Vasic share their thoughts on “Let’s Talk Money with Dave and Reb” about their love for numbers and for people, and the need to have a trusted team to help navigate tax responsibilities. 

     “The map keeps changing but you have to keep doing what is needed and it is easy to miss things,” Bron says. “Having that trusted team is so important.”

Giving by Fire and Faithfulness with Rev. Ray Borg > How have our encounters with God impacted our wallets? This is the question that Dave and Reb dig into with Rev. Ray Borg from Financial Discipleship Canada on episode #356 of “Let’s Talk Money with Dave and Reb”. Together they look at the story of Jacob and his encounter with God found in Genesis 28, alongside the generous journey and gifts of the Magi that we celebrate during this Christmas season. 

     Jacob’s encounter with God at Bethel reminded Reb of Blaise Pascal’s prayer “Fire”. Out of Pascal’s encounter with God he gave His life wholeheartedly to God, and Reb says that these kinds of encounters fuel our desire to give to others.

     FIRE. GOD of Abraham, GOD of Isaac, GOD of Jacob not of the philosophers and of the learned. Certitude. Certitude. Feeling. Joy. Peace. GOD of Jesus Christ. My God and your God. Your GOD will be my God. Forgetfulness of the world and of everything, except GOD. He is only found by the ways taught in the Gospel. Grandeur of the human soul. Righteous Father, the world has not known you, but I have known you. Joy, joy, joy, tears of joy.1



1 Fusselman, M. (2017). What Blaise Pascal Saw In A November Night Of Fire That Inaugurated A Year Of Grace. The Federalist. https://thefederalist.com/2017/11/23/blaise-pascal-saw-november-night-fire-inaugurated-year-grace/. Accessed December 2, 2023.

Hunkering Down for Christmas > To hunker down means to get yourself comfortable in a place or situation and stay in that position for a while. On “Let’s Talk Money with Dave and Reb” episode #355, the co-hosts suggest re-thinking Christmas spending and making a plan so that you don’t take a year to pay it off. As they share the latest statistics on 2022 Christmas spending that is still seeing one quarter of Canadians paying off that debt a year later, they encourage listeners to hunker down into the plan and stick with it. 

     “Making a plan for spending brings clarity and helps you communicate with your family the importance of not going into debt this Christmas season,” Reb says. 

     To read the article mentioned in today’s show go to https://globalnews.ca/news/10087745/canadian-holiday-spending-debt/. 

Reverse Mortgages > It’s Black Friday and Dave and Reb aren’t talking shopping! On episode #354 of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss the benefits and drawbacks of reverse mortgages. Started in the U.S. in 1961, today, this borrowing product continues to be an option for people who want to stay in their home as long as they can, or may not have the income to support their current mortgage. 

     Dave and Reb look at some of the specific criteria needed to obtain a reverse mortgage on today’s show which is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time.

Fraud Awareness > Did you know that 49 per cent of Canadians have reported being the target of a recent fraud scheme? Today on episode #353 of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss the issue to raise awareness about how prevalent they are. From identity theft and debit-credit card fraud, to online, door-to-door and phone scams, Canadians are being targeted. 

     “Fraud comes to us uninvited,” Dave says. “So, we need to learn and prepare ourselves as best we can so we keep ourselves from trouble.”

     To learn more about fraud or to report a scam, go to the Canadian Anti-Fraud Centre at https://www.antifraudcentre-centreantifraude.ca/index-eng.htm or call 1-888-495-8501. 

     To read more about fraud schemes and a Canadian survey on fraud, go here: https://www.ctvnews.ca/business/nearly-half-of-canadians-targeted-by-fraud-in-first-half-of-2023-transunion-survey-1.6562507. 

Year-End Generosity with Tim Jenkins > How much is enough? You might find yourself with some financial excess at the close of this year, and Dave and Reb, along with their guest financial planner Tim Jenkins, are encouraging listeners to look at their giving and generosity plan as Canadians head into the last stretch of 2023. Not only are they talking about giving generously of finances, but also time, talent, resources, and expertise.

     “The important question is asking: ‘Heavenly Father, what do You want me to do with this money You have given me?’” Tim says. “The margin we have is not for us, but it is for giving to the growth of God’s Kingdom.”

How to Eliminate CRA from Your Estate with Tim Jenkins > When it comes to taxes, planning, and the Canada Revenue Agency (CRA), there is a great need for understanding and awareness when it comes to end-of-life estate planning. So to help navigate how taxation affects Canadians after death, financial planner Tim Jenkins joins Dave and Reb on episode #351 of “Let’s Talk Money with Dave and Reb”. They uncover the issues and offer some alternatives to paying a potentially large tax bill. 

     One way to build awareness, even before death, is asking a tax specialist to create a “terminal tax return” so that individuals know an approximate number of how much CRA will take from the estate.

     “It is important to crunch the numbers so that you are aware of the liability,” Tim Jenkins says.

The Problem of Addition, Part 2 > “The currency of heaven is not a dollar bill, but human hearts.” And so friend and pastor Jon Ruby speaks to the solution of addiction in the second of a two-part series on “Let’s Talk Money with Dave and Reb”. On episode #350, the pastor of Ottawa’s Union City Church brings a message of challenge and hope discussing the critical issues around addiction and the not-so-simple solution of abandoning one’s life to Christ. 

     To read the Scripture verses from today’s show, go to Philippians 3:7-14. You won’t want to miss their conversation as they speak about the need for God to fuel our recovery and restoration in our daily hand-in-hand walk with Him. 

     You also don’t want to miss the invitation to work through the Ashes to Rubies life-giving course that you can access for free just because you have listened to this episode. For the link referenced in this two part series, go to  https://ashestorubies.com/collections/courses/products/yearly and type in the code – freelifelabyearly123 – to receive your year’s free membership.

     To access the LifeLab connect meeting (Ottawa) at 12pm on Wednesdays, use this zoom link: https://us02web.zoom.us/j/8197003777?pwd=bHZnUzRydTlCOUZiOUZzYWpiRHdJQT09 

(Zoom: 819 700 3777, Password: 979797)

The Problem of Addition, Part 1 > On today’s episode #349 of “Let’s Talk Money with Dave and Reb”, friend and pastor Jon Ruby from Ottawa’s Union City Church, brings a message of hope to listeners as the co-hosts discuss issues of addiction and how it relates to the stressful financial climate many people are experiencing. 

     To read the Scripture verses from today’s show, go to Philippians 3:7-14. You won’t want to miss their conversation as they speak about the need for God to fuel our recovery and restoration in our daily hand-in-hand walk with Him. 

     You also don’t want to miss the invitation to work through the Ashes to Rubies life-giving course that you can access for free just because you have listened to this episode. For the link referenced in this two part series, go to  https://ashestorubies.com/collections/courses/products/yearly and type in the code – freelifelabyearly123 – to receive your year’s free membership.

     To access the LifeLab connect meeting (Ottawa) at 12pm on Wednesdays, use this zoom link: https://us02web.zoom.us/j/8197003777?pwd=bHZnUzRydTlCOUZiOUZzYWpiRHdJQT09 

(Zoom: 819 700 3777, Password: 979797)

The Power of Automation > Automate. Automate. Automate. Dave and Reb have an enlightening conversation on episode #348 of “Let’s Talk Money with Dave and Reb” as they look at automating payments for everything from taxes to retirement savings to paying down debt. Automating payments is a built in commitment according to Dave and is one way to keep yourself on track with financial responsibilities. 

     “If you don’t automate payments, the money in your account may get swallowed up by other needs or wants that arise,” Reb says. “But automation keeps us on the right path and helps us stay committed to our financial goals.”

Abounding in Thanksgiving > Happy Thanksgiving weekend from “Let’s Talk Money with Dave and Reb”! On episode #347, Rev. Ray Borg from Financial Discipleship Canada joins the co-hosts to talk about how financial giving releases a spirit of thanksgiving within ourselves and within the community we live in. Looking at 2 Corinthians 8 and 9, they discuss how believers in the early church gave sacrificially but with much joy. 

     “Our giving is really sowing back into the Kingdom of God,” Reb says. “As we are obedient in our giving, others will give thanks to the Lord for the faithfulness and provision God pours out through every one of us.”

Cash Stuffing with Determination > Cash stuffing, cash wallets, the envelope system. All three of these budgeting tool descriptions reflect the time-tested method of withdrawing cash, setting it aside in marked envelopes in different categories, and then only spending the money you’ve allocated for each. On episode #346 of Let’s Talk Money, Dave and Reb encourage listeners to put their credit cards on ice and get in touch with cash, by trying the cash stuffing method. 

     “Cash wallets and cash stuffing really mean the same thing,” Dave says. “Whatever you call it, it works for everyone because it is so tactile.”

     However, the important thing to do before you start is determining in your heart and mind that you are going to stick to cash. In a society, where debt is the default position it is extremely important to commit to following through.

Recently, on CTV Ottawa morning, Dave was asked to talk about the importance of staying in touch with cash. To watch the interview go here: https://ottawa.ctvnews.ca/video?clipId=2754215

     To watch Dave and Reb explain and demonstrate the financial date mentioned on today’s show, go here: https://youtu.be/fPeaxovLqvk and https://youtu.be/1BThYMXOICo.

The Rule of 72 > The Rule of 72 is Einstein’s simple shortcut to figure out how long it takes for an interest-compounded value to double. On episode #345 of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about how the Rule of 72 affects debt, and how it can be a motivator for us to get out of debt. 

     “Debt is a burden, not a sin,” Dave reminds listeners. “Borrowing can limit our giving if it leads to debt as well, but staying away from debt provides us with more freedom. Understanding the interest we pay and how it compounds can be a great catalyst for change.”

Presuming on the Future > How do we navigate the need to plan for the future without presuming on the future? What is the difference between the two? On episode #344 of “Let’s Talk Money with Dave and Reb”, the co-hosts tackle this subject looking at verses found in James 4 and Luke 12. 

     The rich man in Luke 12 tore down old barns and built bigger ones, but soon died. He built up his own treasure and Scripture specifically says that the same fate is inevitable for anyone who builds up their own treasure “but is not rich toward God”. So how does this story inform our own lives today? Dave says it is important to remember that the future is God’s domain and not ours. 

     “The presumption the rich man made was not in leveraging himself or going into debt, but in expecting that he would live long enough to enjoy it all,” Dave says. 

Get Close to the Fire with Rev. Ray Borg > So what will it take for you to become rich? On episode #343 of “Let’s Talk Money with Dave and Reb”, the co-hosts dig into the topic of riches with Rev. Ray Borg from notmine.ca. Looking at the church of Laodicea in Revelation 3, they talk about the economic strength of the city in ancient times, and how its prosperity brought a false sense of security and well-being. 

     The gold, garments, and eye salve were goods that brought much prosperity to Laodicea. The church was likely experiencing that prosperity, and in the Revelation passage, Jesus is pointing out the blindness this is causing. As He did to the church then, so does He warn us and call to us today. He invites us to buy what is everlasting—gold refined in fire, His white garments, and the eye salve that comes from His hand.

     Dave and Reb encourage listeners today to draw close to God to hear Him knocking at the door of their hearts and lives in these uncertain days. To hear more of their conversation tune in to this episode. Today’s show is sponsored by More Than Enough Financial—a financial coaching, tax, and mortgage company empowering people to find hope and freedom as they effectively manage their finances one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office. 

Slow Down and Plan Ahead > There is a lot of talk about financial resilience these days, so Dave and Reb join the conversation today on episode #342 of “Let’s Talk Money with Dave and Reb”. They also remind listeners to slow down, pay attention, and make a plan when it comes to everyday financial decisions. With school starting and fall and winter expenditures coming, making a plan and saving now will help build strong financial muscle. 

     “Slowing down involves taking a deep breath, reassessing your situation, and seeking counsel, and it needs to be an intentional part of your financial journey,” Reb says. “It is a healthy spiritual practice, but is also very important for your finances.”

Investing with Brent Vandermeer > Episode #341 of “Let’s Talk Money with Dave and Reb”, is the second of a two part series with Ottawa financial advisor Brent Vandermeer. On both shows, they talk about the importance of making a plan—planning that’s wrapped around purpose—and how looking for a quick fix to build wealth is not the answer. 

     They dig into the importance of educating yourself and taking responsibility for your investing journey, as well as understanding your risk tolerance. Brent offers wisdom and tips that will help listeners understand the importance of saving and investing for the unexpected, and for the future.

     Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ.      To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. 

     To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca.

     To contact Brent Vandermeer, go to https://www.crosspointfinancial.ca/

Saving on Purpose with Brent Vandermeer > Episode #340 of “Let’s Talk Money with Dave and Reb”, is the first of a two part series with Ottawa financial advisor Brent Vandermeer. On both shows, they talk about the importance of making a plan—planning that’s wrapped around purpose—and how looking for a quick fix to build wealth is not the answer. 

     They dig into the importance of educating yourself and taking responsibility for your investing journey, as well as understanding your risk tolerance. Brent offers wisdom and tips that will help listeners understand the importance of saving and investing for the unexpected and for the future. 

     Listen to today’s episode sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ.       To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. 

     To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.ca. 

     To contact Brent Vandermeer, go to https://www.crosspointfinancial.ca/.

Daily Bread Prayers with Rev. Ray Borg > Jesus taught us to pray: “give us this day our daily bread”. On today’s Let’s Talk Money with Dave and Reb, the co-hosts explore daily bread praying with guest Rev. Ray Borg. They remind listeners that each of us is valuable and precious to God, and consequently He cares about the smallest details of our lives. Bringing our financial needs and concerns to God is simply an outflow of that care and love. 

     Referencing a quote from Tim Keller and his book Prayer—Experiencing Awe and Intimacy with God, Ray says that prayers are more than tradition. They bring perspective to life and help us see the big picture, as they “get us out of the weeds” to express our situation to God, and thus enabling us to receive His truth and love.

Dave Answers Your Questions! > On episode #337 of “Let’s Talk Money with Dave and Reb”, Reb throws client questions Dave’s way in an effort to create clarity around credit card points cards, the importance of life insurance, and mortgage related questions. 

     “Credit cards are tools and how we use the tool is really important,” Dave says, as he explains how best to use a points card. 

     In talking about insurance, Dave points out the reasons behind having insurance, as well as how best to think through having a life insurance policy. 

Embracing Financial Discomfort > Do you think God is interested in your comfort? What if He is not as interested as you are? On episode #336 of “Let’s Talk Money with Dave and Reb”, the co-hosts look at how pursuing ease and comfort can lead us into financial trouble. Always going after the comfortable life can be doing more harm than good, especially as it can feed a lack of motivation, purpose and meaning in our lives. Conversely, people who face life’s adversities without running from them, are able to build perseverance and resilience even in their finances. 

     “What is it we are pursuing?” David asks listeners. “God is interested in our hearts, and I don’t think He is as interested in our comfort as we are. He wants us to build character and resilience and being aware of what He is doing in our midst is very important especially as we struggle financially.”

     Reb also suggests that seeking God’s Kingdom won’t always lead us to comfort, but it will lead us to what is good, and God wants what is good for us.

Senior Women Living Together with Pat Dunn > Struggles and hardships can often be the birthplace of new and creative initiatives. On episode #335 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome Pat Dunn of the Senior Women Living Together (SWLT) network, as she shares the story of how her struggle to find a place to live, turned into something beyond what she imagined. 

     Today, she shares how she is helping dozens of women find affordable housing across Ontario. Less than five years old, SWLT is connecting older women who are interested in sharing hopes, dreams, and living space. Pat reminds women that even in their senior years, they have what it takes to make a difference.

     Listen and share this episode to understand the need and spread the word. To learn more about this community, and to donate to this growing network, go to https://swlt.ca/ or email Pat Dunn at pat@swlt.ca. 

The Steward's Road of Blessing > The Steward’s role of watching and waiting as a significant part of managing God’s resources.

     When Dave and Reb plan out their podcast topics, they usually have an idea of where their conversation will take them. But on today’s “Let’s Talk Money with Dave and Reb” episode #334, their surprising discussion takes them from stewards who watch and wait for the King to return, to discovering the road of blessing even in the midst of high interest and inflation rates. 

     “Having the right focus and then designing your life around what is important to you—especially as you follow Christ—is critical on the journey of stewardship,” Dave says. “And considering what you are stewarding, and how you are stewarding it is essential to understanding stewardship in God’s Kingdom.”

Hospitality 2.0 with Tanya Prinsep > Dave and Reb dig into the topic of hospitality with a special guest.

     It’s almost Canada Day, and Dave and Reb continue the conversation with guest Tanya Prinsep as they uncover the beauty of hospitality, on episode #333 of “Let’s Talk Money with Dave and Reb.”

     They all agree that while the gift of hospitality spoken of in scripture is a precious calling, each follower of Christ can learn to be kind, loving, open, and welcoming to others. It might look different from person to person, just as it has for decades as Canadians have welcomed immigrants and shaped the country we call home. 

Hospitality 1.0 with Tanya Prinsep > Dave and Reb dig into the topic of hospitality with a special guest.

     How can hospitality direct your everyday decisions? On today’s episode #332 of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome friend and colleague Tanya Prinsep to share the story of how hospitality has shaped her life. 

     “The attitude of hospitality is about embracing, loving, and accepting people,” Tanya says. “People different from us are to be welcomed, not feared or ignored.” 

     Amongst the many definitions and scriptural examples of hospitality, the foundation is love—always about sharing the love of God. 

Receiving the Seed, Sowing the Seed with Rev. Ray Borg > Join guest Rev. Ray Borg on episode #331 of “Let’s Talk Money with Dave and Reb”, as they continue their discussion on what it means to live and seek the Kingdom of God, especially in your finances. Not only do they talk about sowing financial seed into people and organizations, they talk about receiving the seed of God’s word and purposes in our lives, and living from that place of God’s care and provision. 

     “Cultivating our hearts to receive the Word of God is the first step,” Rev. Borg says. “Considering how we are receiving His seed involves a mindset shift.”

     Tune in to hear today’s show which reminds listeners that God is our Source, and we have the privilege of stewarding all that He pours out. Today’s episode is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. 

Being in the Light with Karen Ball >  It only took one More Than Enough financial fitness seminar to bring Karen Ball hope and freedom in her finances. On episode #330 of “Let’s Talk Money with Dave and Reb”, Karen shares her five-year journey of applying the seminar’s practical tips and tools to pay off $18,000 of debt. She also shares how financial freedom is enabling her to do what her heart loves—give! 

      “It has been a journey of patience and perseverance, which has led to consistency,” Karen says. “And in facing it all, you find freedom.”

Let's Talk Money with Emily and Caleb >  What does financial coaching look like for young married couples? On episode #329 of “Let’s Talk Money with Dave and Reb”, the co-hosts speak with Emily and Caleb Gagnier who share about their More Than Enough financial coaching journey, both before they got married and after. Listen to hear how accountability, practical tools, and the one-on-one coaching relationship has been helping them build a strong financial and spiritual foundation with God. 

     Both Emily and Caleb say that coaching has helped them understand more fully that their money is God’s money, and how using money is a way to glorify God. With a coach as cheerleader, they have walked step-by-step in paying down debt, and continue to do so.

     “It is so nice to be surrounded by people who encourage us,” Caleb says. 

Financial Hope and Freedom with Andrew and Martha >  Today’s show gives current testimony to the power of financial coaching.

     If you love stories, Dave and Reb invite you to listen to today’s show. Andrew Galloway and Martha Santanilla are the featured guests today on episode #328 of “Let’s Talk Money with Dave and Reb” and share their journey of financial hope and freedom through coaching.

     Both agree that coaching has helped them manage their daily cashflow, but has also helped them get over the shame hurdle that can come with money behaviours.

     “Having a coach has been a game changer for us,” Andrew says. “The shame gets lifted because there is no judgement from our coach or the More Than Enough team.”

Finding Financial Joy with Rev. Ray Borg >  Financial Joy. Is that even possible? Rev. Ray Borg of notmine.ca and Financial Discipleship Canada joins Dave and Reb on episode #327 of “Let’s Talk Money with Dave and Reb” to explore the possibilities of finding joy in financial stewardship and obedience. This conversation is only the beginning of many, as they dig into what it means to find joy in finances—a joy that starts with a renewed shift in thinking towards God’s Kingdom purposes. 

     “The journey of our finances is a journey of discovery because we are being fathered by a loving God,” Rev. Borg says. “It’s the joy of discovery of who I am, and the journey of moving forward in obedience and love.”

     This joy is found first in changing our minds towards what God says is important. Listen to the show to hear what God’s heart is for us, others, and His Kingdom. 

Financial Habits and Practices - the Importance of the Emergency Cushion >  What if we taught children that having an emergency cushion is as important as brushing your teeth every day? On episode #326 of “Let’s Talk Money with Dave and Reb”, that’s exactly what the co-hosts are telling listeners. Dave and Reb discuss the importance of good habits that turn to long-term practices, especially in creating an emergency cushion as part of financial health. 

     After listening to one of their favourite devotional apps Lectio 365, Dave and Reb were inspired to talk about habits and practices. (See https://www.24-7prayer.com/resource/lectio-365/, May 4 morning devotional.)

     “Habits don’t have to be arduous,” Dave says. “But we do want them to lead to good, intentional regular practices, and as Lectio says, we want our practices to lead to our determined financial goals!”

Steps to Financial Health >  Dave and Reb don’t know if listeners are getting tired of hearing it, but they want to keep encouraging people to take the five steps to financial health! On episode #325 of “Let’s Talk Money with Dave and Reb”, they review the five steps to financial health: building a small emergency cushion, paying off consumer debt, building a larger three—to—six month emergency fund, investing and paying off the mortgage, and giving generously and growing. 

     “Living on less than you make is essential for these five steps,” Dave says. “And it is also important to sit and consider the cost—the cost of carrying the debt—to understand the reasons why we practise these five steps.”

     To help you grasp the why and how of finding financial hope and freedom, listen to their conversation which is sponsored by Stephen Francispillai- Francispillai Law, an Ottawa law firm specialising in real estate, as well as wills and power of attorneys. Go to https://fclawyers.ca/ for more information. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Shifting Financial Assumptions > Many people make assumptions about their future. On “Let’s Talk Money with Dave and Reb”, the co-hosts look at the shifting assumptions interest and inflation are generating, and how God’s words found in the book of James warn us that making assumptions about the future is never a good idea. They dig into the topics of “financial modelling assumptions” and how people can prepare in the face of changing economic tides. 

     “We make assumptions all the time,” Dave says. “We want the future to be the same as it is now, and we assume that it will be. But these days, normal assumptions around mortgages and home ownership are being questioned.”

     To help listeners look to the future in wisdom, Dave and Reb recommend:

• Facing your current financial reality. That means knowing—in detail—what is going in and going out, and creating a spending plan. 
• Make a plan and stick with the plan. As Dave often says, “plan what you spend and spend what you plan.”
• Don’t give up in adversity, and keep doing “the next right thing.” This includes diligence and consistency. Again, “plan what you spend, and spend what you plan”, aiming to live on less than you make, pay down debt, and save what you can.

     “Above all else, keep your eyes on Jesus, and even—if like Peter—you fall, remember and know Jesus will raise you up again and again,” Reb says. 

Knowing Where Your Heart is with Rev. Ray Borg > On today’s show, Dave and Reb discuss more heart and treasure issues, as they discuss the words of Christ.

     “For where your treasure is, there your heart will be also.” 

     Those were the words of Jesus over 2000 years ago, and on episode #323 of “Let’s Talk Money with Dave and Reb”, the co-hosts revisit those words with regular guest Rev. Ray Borg. They discuss the modern day example of Steinbach, Manitoba which leads Canada in charitable giving, and take a look at where the people of Steinbach are putting their treasure. A CBC news article recently described the community as one emulating a culture of giving. See Ian Froese’s article here: https://www.cbc.ca/news/canada/manitoba/steinbach-generosity-giving-charity-leads-country-1.6776319. 

     According to the article, “People in Steinbach donate 4.31 per cent of their income to charity, which far exceeds the national average of 0.62 per cent, according to an analysis of tax filing data by Charitable Impact.”

What is Financial Coaching? > Dave and Reb dig into the topic of financial coaching and all that it entails.

     Many people dismiss the invitation to financial coaching because they simply don’t understand what it is, or the purpose behind it. On today’s episode #322 of “Let’s Talk Money with Dave and Reb”, the co-hosts bring clarity to the topic of financial coaching, and how practical accountability can lead people to find the financial hope and freedom they desire.

     “Coaching is about a journey and relationship,” Dave says. “Effective coaching is a journey that involves ongoing discovery not only about your finances but about who you are as a person, including your joys, sorrows, goals, and dreams.”

     Financial coaching is not financial advice giving, but accountability, clarity-building interactions, and coming alongside people with good questions and listening skills.

     “It’s not only about getting out of debt either,” Dave says. “It’s for anyone who wants to get from point A to point B in their finances, acquiring good skills and habits to reach their goals.”

     The book referenced in today’s show—The Coach Model for Christian Leaders—

 is written by Dr. Keith E. Webb. You can learn more about coaching by going to https://keithwebb.com/.

Running the Race on Good Friday > Today’s conversation digs into purpose, discipleship, coaching, and not giving up.

     On this Good Friday morning, when Christians around the world are considering the Cross of Jesus Christ, Dave and Reb encourage listeners to “fix their eyes on Jesus” as they run their financial races. On episode #321 of “Let’s Talk Money with Dave and Reb” the co-hosts reflect on the “joy set before” Jesus, as He went through the suffering of the Cross, and how that can inspire us, even as we navigate the strains and pressures of our everyday financial lives. 

     “Just as Jesus endured the Cross for the ‘joy set before Him’, we can ask ourselves the question ‘what is the joy set before us’ as we journey,” Dave says. “This speaks to purpose and our understanding of our full identity in Him, which in turn directly affects how we manage money.”

Saver, Spender, Steward > On today’s episode #320, Dave and Reb revisit the topic of stewardship, as surrendered discipleship.

     They’re talking about those ‘S’ words again! Today on “Let’s Talk Money with Dave and Reb” the co-hosts re-visit some of Reb’s history with the words ‘saver’ and ‘spender’, and how the words “surrendered steward” have brought healing and understanding to her journey with God. 

     “I used to define myself as a ‘spender’ and I often felt that the label wasn’t good,” Reb says. Somehow I felt the ‘saver’ label that Dave carried was better.”

     It wasn’t until their journey at More Than Enough began, that her understanding of surrendered stewardship grew. 

“Life is more than the labels of ‘spender’ and ‘saver’,” Reb says. “Being a disciple of Christ is knowing you are a steward of all the resources he has given, including time, expertise, and money.”   

Undivided Hearts with Rev. Ray Borg > Today, Dave and Reb talk about the trouble with divided loyalties.

     How does an undivided heart or split allegiance affect your finances? Rev. Ray Borg from notmine.ca and Financial Discipleship Canada joins Dave and Reb on “Let’s Talk Money with Dave and Reb” on episode #319 to dig into this critical heart issue around money. 
     The Psalmist asks God for an undivided heart in Psalm 86:11, and Jesus reminds us of the same thing in Matthew 6. We cannot serve both God and mammon, and if we try, we will end up hating one over the other. 
     “I have always understood Jesus’ words in Matthew 6 to mean that we can’t serve both, but I have also come to see that when we try to serve both we will end up despising one over the other just as Jesus told us,” Reb says. “That is a scarier thought to me, because I don’t want to end up hating God.”

Let's Talk Mortgages > Today, Reb interviews Dave about qualifying for mortgages as interest rates rise, variable and fixed rate mortgages, and deferring payments on your mortgage. 

     You asked, so we’re answering. On today’s “Let’s Talk Money with Dave and Reb” podcast, Dave answers mortgage questions posed by clients from More Than Enough Financial (MTE) including questions about fixed and variable rates, deferring mortgage payments, and several other topics in a jam-packed show. 

     And don’t forget our contest! Tune in to our YouTube channel https://www.youtube.com/channel/UC5I8R5VcNzmb-kSpcZTnI4g and find today’s show. Listen and watch, to answer the question—”What do their smiley face t-shirts mean?— and you will have a chance to win some MTE merchandise. Send your answer to info@morethanenough.ca and enter the draw to win! 

     Listen to their rapid-fire conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Dave and Reb’s financial coaching business go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Advertise the Truth to Yourself > On today’s show, Dave and Reb talk about the advertising culture influencing us, and the need to spend time with God and be in His Word—to advertise the truth to ourselves.

     Jesus tells us in John chapter 8 that we will know the truth, and the truth will set us free. On today’s “Let’s Talk Money with Dave and Reb” episode, Dave and Reb talk about the need to know God’s truth, but also to be intentional about speaking that truth to ourselves daily. In our culture where we are continuously distracted by the noise of social media, constant streaming, perceived needs advertised to us in an endless loop, and where an average of 694,000 hours of video are streamed by YouTube users each minute, we need to advertise God’s truth to ourselves with intention. (see https://www.wyzowl.com/youtube-stats/) 

     “We live in a world where we are bombarded by advertising each and every day, especially in brand exposure,” Reb says. “It is so important to immerse ourselves in God’s truth around money and possessions so that we will know His truth deep within us, and we won’t be trapped by the false promises of the world.”

     Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Hilarious Giving with Author Lori Guenther Reesor, Part 2 > On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn more about giving, gratitude, and generosity, and how to foster those in church community.

     Author, speaker, and coach Lori Guenther Reesor once again joins Dave and Reb on “Let’s Talk Money with Dave and Reb” to continue their discussion about gratitude, generosity, and the learned spiritual discipline of giving. Flowing from her book Growing A Generous Church —A Year in the Life of Peach Blossom Church, Lori talks about her passion to encourage thankfulness in the body of Christ, and then to see how giving to God and others flows from that gratitude.

     “Giving and receiving is one big circle of God’s grace,” Lori says. “Gratitude connects us to God, the giver of every good thing and the source of our strength. When we’re grateful, we can share.”

     Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Lori’s book go to https://lgreesor.com/. To learn more about Dave and Reb’s financial coaching business More Than Enough Financial go to www.morethanenough.ca. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

     Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. 

     To learn more about Lori’s book go to https://lgreesor.com/.

Hilarious Giving with Author Lori Guenther Reesor > On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn about gratitude, generosity, and giving.

     “If Jesus talks about money, we can too,” says author, speaker, and coach Lori Guenthor Reesor. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts welcome this special guest as she talks about her recent book Growing A Generous Church —A Year in the Life of Peach Blossom Church. 

     After speaking with Christian financial donors across Canada and spending a lot of time drinking coffee in church basements, Lori crafted a creative non-fiction book out of her Doctorate of Ministry thesis that has created a refreshing road map for churches to pursue and teach giving, gratitude, faithfulness, and financial communication as part of the stewardship journey. 

     “Silence and secrecy around money gives it too much power,” Lori says, encouraging Christ-followers to learn how to talk about money in a healthy, productive way, including how to give generously.

     Gratitude is a big part of this learning, and expressing that gratitude to faithful donors and volunteers in our church families is really important.

     Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. 

To learn more about Lori’s book go to https://lgreesor.com/.

It's Not About the Money with Rev. Ray Borg > On today’s episode, Dave and Reb talk with regular guest Rev. Ray Borg about the lure of mammon, and Jesus’ call to serve God alone.

     Today on “Let’s Talk Money with Dave and Reb”, Rev. Ray Borg from Financial Discipleship Canada once again joins the conversation. This week, the topic centres on Luke 16:13-14, when Jesus declares that it is impossible to serve both God and mammon. It was a challenge to the Pharisees who, the Bible says, loved money. 

     Money brings power, and that is often what underlies what we seek. Whether it is power, money, or possessions, there is a warning and encouragement from Jesus, to seek God first and serve Him only. 

     “We need to look at what has captured our hearts and what is taking us off course,” Dave says. “Then we can bring it all to the feet of the Lord, and surrender it to Him.”

211 with John Holyes > Where do you go when you can’t pay your hydro bill? What do you do when you don’t have enough to eat? The answer? Dial 211. Today on “Let’s Talk Money with Dave and Reb”, the co-hosts welcome John Hoyles, the executive director at Community Navigation of Eastern Ontario/211 East to explain how this navigation system works. 

     211 is a helpline that connects people to the social services, programs, and community support they need. It is a relatively unknown service available in regions all across Canada. With over 7500 services in the Eastern Ontario database, community navigators receive the calls and help people find exactly which services they need to solve their problems. 

     This number isn’t just for the vulnerable people in our community, but is for anyone needing help, especially if they don’t know where to go. John Hoyles shares a number of beautiful stories on today’s show, so tune in and listen to their conversation which is sponsored by the Ottawa-based Crosspoint Financial team led by Brent Vandermeer. There, you will discover a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor.

     To use 211, simply dial 211, or go to https://211ontario.ca/. If you need more information on this service, please call the More Than Enough office at 613-520-4157, extension 1002.

Living Your Financial Reality > What is your current financial reality? How much money comes in and how much is going out? What are you paying in interest to service your debt? Or how are you intentionally saving money? On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about financial awareness, and planning what you spend and spending what you plan. Dave encourages people to focus on planning because paying down debt and saving money are possible—it may just look a little different than when interest rates and inflationary pressures were lower.

     “Remember that although this is a season of financial volatility, it doesn’t mean forever,” Dave says. “So try not to focus on all the trouble.”

     Dave and Reb remind listeners that saying “yes” to some things, means saying “no” to others. Financial planning, meal planning, and planning of all kinds is so important at this time. 

     “Live your financial reality, or as Washington Post financial columnist Michelle Singletary says, ‘live your financial truth,’” Reb says. “Knowing the truth of where you are at, and then making a financial cashflow plan is key.”

Tune in and listen to today’s conversation which is sponsored by the Ottawa-based Crosspoint Financial team—a place to invest with purpose. Go to https://www.crosspointfinancial.ca/ to find out more, or to book an appointment with a financial advisor. To learn more about Michelle Singletary, the financial columnist mentioned on today’s show, go to https://www.washingtonpost.com/people/michelle-singletary/.

Keep It Simple > On today’s episode, Dave and Reb provide practical tips on setting a financial spending plan for 2023 to help stay focused, especially in this season of such financial uncertainty.

     In response to a client’s recent question, Dave and Reb talk today on “Let’s Talk Money with Dave and Reb” about how to stay financially focused in a season of inflationary and interest rate pressures. Tune in to hear how “keeping it simple” can be the focus you need. 

     Dave and Reb talk about making a plan, creating a financial rhythm to support that plan, and most of all understanding the goals and purposes behind the plan. 

     “It is also very important to pray first—pause and pray,” Dave says. “Can we pause enough to turn our minds to Christ and receive the life He is? It is so important on our financial journeys.”

     Listen to today’s conversation sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.

It's Not Mine, with Rev. Ray Borg > Dave and Reb’s dear friend and colleague Rev. Ray Borg joins them on “Let’s Talk Money with Dave and Reb” today, to give listeners an update on the ministry and work of Financial Discipleship Canada (FDC) and its family of ministries notmine.ca and Advisors with Purpose. The purpose of these ministry organizations is to encourage “whole life” discipleship, especially in how finances play a role in our lives as followers of Jesus Christ. 

     “Just as it says in 2nd Timothy 2, the work of FDC is encouraging us as followers of Christ to present ourselves to God, not ashamed and understanding God’s word around finances,” Reb says. “They are an invaluable part of God’s work here in Canada and abroad.”

     This journey of understanding financial discipleship is simply about committing ourselves daily to Jesus Christ.

“This is about committing our finances to the Lord,” Rev. Borg says. “As we do, He leads us and teaches us. It is something we really need to be intentional about.”

     Listen to hear today’s conversation which is sponsored by Financial Discipleship Canada and notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and our discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.

Tax Preparation with the MTE Tax Team > On today’s episode of “Let’s Talk Money with Dave and Reb” you will learn about the 2022 tax season, and how you can prepare for the May 1st deadline.

     The tax season is beginning to build momentum as we enter the new year of 2023. On today’s “Let’s Talk Money with Dave and Reb”, the co-hosts welcome More Than Enough tax specialists Bron Vasic and Destiny Johnson to talk taxes. 

     Focusing on the tax support MTE offers, Bron and Destiny outline the importance of collecting documents, communicating with CRA, and mitigating fears around taxes by knowing and preparing what is needed for your tax returns. This year’s personal tax deadline is May 1st, in light of April 30th falling on a Sunday. 

     “If you have fear or struggle with how you have not been compliant toward CRA, just know that we offer a lot of grace at More Than Enough and we will walk with you through any details or obstacles you face,” Reb says.

Listen to hear today’s conversation which is sponsored by Financial Discipleship Canada and one of its ministries notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship to Christ. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. 

To learn more about what is needed for this tax season, call the More Than Enough Tax office at 613-520-4157. 

Count the Cost > In today’s episode, Dave and Reb consider the cost of commitment on our stress levels and our finances.

Dave and Reb welcome listeners to the kick-off episode for “Let’s Talk Money with Dave and Reb” in 2023. Instead of talking about financial resolutions, they encourage and challenge listeners to consider their commitment levels to not only financial health, but to all those areas of our lives that can become “overcommitments”. At the beginning of this year, Dave and Reb talk about the wisdom in looking into the year ahead and considering what we are committed to, and how these commitments are affecting our finances.

     “It is important to consider at the beginning of this new year, how credit plays a part in what we commit to,” Dave says. “Credit allows us to overcommit in the area of our finances and that can lead us into trouble.”

     The podcast hosts recommend sitting down and writing out what you want to commit to this year. 

• Slow down. Write it down.
• Pray. Wisdom and insight are needed.
• Count the financial cost of those commitments, and
• Make every spending decision, a spiritual one. 

     “As you consider these decisions, be mindful of peace,” Reb says. “The peace of Christ is a great determining factor, as to whether or not you will run with the choice or not.”

     Listen to today’s conversation which is sponsored by Financial Discipleship Canada and one of its affiliates notmine.ca – a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/.

Looking Back to Learn > In today’s episode, Dave and Reb look back on 2022 as a year of change and uncertainty, but held together by the presence and faithfulness of God.

     It’s the end of the year, and Dave and Reb can hardly believe it! Today, on “Let’s Talk Money with Dave and Reb”, the co-hosts look back on their year of podcasts as well as areas of personal growth they’ve experienced. 

     In this year of economic change when so many people are looking for financial answers, they share how God has been using the challenges in their own lives to build foundations. Looking at the words of Psalm 107, they remind listeners that when God’s people cry out, He delivers them from all their troubles. Whether the answers come quickly or slowly, God is the Lord who provides answers when we call. 

     Join Dave and Reb’s conversation today to hear more of their discussion, which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Christmas Joy with Rev. Ray and Arlene Borg > It’s almost Christmas, and Dave and Reb invite their dear friends Rev. Ray Borg and his wife Arlene to share their favourite Christmas Scripture verses and memories on today’s episode of “Let’s Talk Money with Dave and Reb”. They even manage to talk about money – just a little bit! 

     The four friends share verses from the book of Hebrews and Isaiah, as well as 2 Corinthians. Listeners might be surprised that many of their favourites speak to why He came to earth as a man, and aren’t about the birth story.

     “The season is about so much more than Jesus coming as a baby,” Reb says. “We can’t fully celebrate his birth without being grateful for His suffering, death, and His resurrection, and reflecting on those truths as we consider the baby in a manger.”

     Join Dave and Reb’s conversation with their friends, as they reflect on the importance of Jesus’ coming, and why He came: for the joy set before Him! Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com. To find The Advent Overture:Meditations and Poems for the Christmas Season written by Ray and Arlene’s friend Stuart McAlpine that they mention on today’s show, go to https://www.amazon.ca/Advent-Overture-Meditations-Christmas-Season/dp/1973610116/ref=sr_1_1?crid=RDB3RYODYE2D&keywords=advent+overture&qid=1671225654&sprefix=advent+overture%2Caps%2C174&sr=8-1

Released to Give > At this time of year, many of us are receiving requests for donations from charities often in the form of gift catalogues as options for gift giving. For many of us, there are more requests than money and this can be disheartening. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts encourage listeners to follow in the footsteps of God, to look to Him, and to plan their giving for 2023, aligning with God’s own generous heart. 

     “Giving is an attitude of generosity, the very DNA of God in us,” Dave says. “And this time of year is a perfect time to sit down with your family and talk about where you want to give in the year to come.”

     Dave and Reb provide practical advice on making a giving plan and sticking with it, just as God’s word encourages us to do. As it says in 2 Corinthians 9:7, “Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” 

Where's your Focus? > Today’s episode reflects on what stress and worry teach us, and how we can trust God more deeply.

     What is it like for you going to the grocery store these days? Is there a certain amount of stress you carry over rising prices? On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts discuss how a change in mindset and a focus on who God is, can make all the difference. With a mix of scriptures, they encourage listeners to trust God, and learn what it means to rely on God for daily sustenance. 

     “When Jesus was tempted by the devil in the desert, he was focused on His Father and knew how to answer the temptations,” Dave says. “There he taught us that the Word of God is sufficient for our souls and our bodies.”

From Red to Black > It’s Black Friday and Dave and Reb are talking about planning what you spend, and spending what you plan on today’s episode of “Let’s Talk Money with Dave and Reb”. 

     Looking at Colossians 3:1-3, and taking some practical steps on this “shopping holiday” where so many people find deals and businesses go from red to black, Dave and Reb encourage listeners to stay out of debt this upcoming holiday season. 

     “This is the clear challenge,” Dave says. “Get through Christmas without going in debt.”

     If you need help doing that, also remember that November is Financial Literacy Month in Canada and the Financial Consumer Agency of Canada (FCAC) has educational resources available that can guide you through the season. You can find them at https://www.canada.ca/en/financial-consumer-agency.html. 

Values and Financial Choices with MTE Coach Natalie Rowe > What do you value? And how do those values directly impact your financial choices and decisions? On today’s “Let’s Talk Money with Dave and Reb”, More Than Enough Financial (MTE) Coach Natalie Rowe discusses these questions and more with the podcast co-hosts. 

     In her years as a coach, she has seen patterns that reveal how personal values act as “command centres” for every day life. As Natalie says, “they send directives to our habits to do this or that.” Today’s discussion outlines how identifying values, reviewing bills and expenses, and then comparing and aligning those values with the spending choices is a great part of creating a financially healthy plan for your life. 

     Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com. Or to order Natalie Rowe’s book S.E.T. Proceed and Succeed in Your Career, go to https://www.amazon.ca/T-Proceed-Succeed-Your-Career/dp/1775017818. You can book an appointment with Natalie by calling the MTE office at 613-520-4157.

Financial Dates Part 2 > Looking at two well-known Scripture verses in Hebrews 10, Dave and Reb talk about the importance of encouraging one another in regular financial dates or what are also called regular money meetings. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts encourage listeners to “not forsake” the money meetings that bring awareness and build trust, and consequently bring encouragement to stay on the good stewardship track of managing God’s resources. 

     In these financial dates, participants look at three questions:

1. Where am I now and what is my current financial reality? This involves knowing your bank account amounts, and credit card statements. 
2. Where am I going? This is a forward look over the next two to four weeks, and encompasses how much income you are bringing in, and how many expenses you have and need to pay for. This is about making the spending plan, and committing to it.
3. Is there anything else? This is a time to consider bigger projects or expenditures coming in the next months, like Christmas gifts, weddings, or vacation plans.

     These steps are all a part of developing a healthy rhythm of communication on your financial journey. To hear their conversation, tune in to today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com. 

Financial Dates Part 1 > We are talking about talking about money again! On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts talk about the not-so-favourite topic of talking about money and having financial dates. But it is so important to financial wellness, that Dave and Reb want to talk to listeners about it. Again! 

     The financial date is an intentional time either with yourself, with your partner, or with a trusted friend, where you look at where you are at in your finances, and plan for where you are going. 

     To hear their conversation, tune in to today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Financial Litmus Test > “A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences.” This is what God tells us in the book of Proverbs chapter 22 in verse 3, and on “Let’s Talk Money with Dave and Reb”, the co-hosts talk about being the “prudent person” and preparing financially for the days ahead. 

     On today’s episode, they discuss the financial litmus tests that can help us in our preparations, including the status of our emergency cushions and credit card debts, and the levels of our giving and our peace. 

     “These four areas are places of awareness on our financial journeys,” Reb says. “They are part of the overall questions around our financial fitness, and can help measure financial wellbeing.

Mindful in the Days Ahead with Rev. Ray Borg > Today on “Let’s Talk Money with Dave and Reb”, regular guest Rev. Ray Borg shares a beautiful analogy to encourage listeners to persevere, work as a team, and listen to the trusting and loving voice of God. In the uncertainty and fears facing people during this season, many don’t know where to turn, especially for financial advice. Dave and Reb remind people this isn’t a time to bury your head or focus on past mistakes, but to develop anchoring spiritual and financial disciplines to navigate the days ahead. 

     “It is important in these days to hold steady and be mindful of yourself, the Lord, and your finances,” Dave says. “In these days we will need to push past the pain to the other side, to the place of strength both spiritually and financially.”

Sharing Everything in Common with Rev. Ray Borg > Dave and Reb welcome Rev. Ray Borg from notmine.ca and Financial Discipleship Canada to “Let’s Talk Money” today to dig into a portion of Scripture found in Acts 4. Together, they discuss a pertinent question facing Christians in these days: “How can we be like the early church and share everything in common in an effort to alleviate financial strain but at the same time share the hope and life of Jesus Christ?” 

     Having compassion, opening our hearts as individuals and a community, and understanding that we really need each other is part of this journey. 

     “One of the questions or ideas I have been challenged with lately is asking the Lord to break my heart with the things that are breaking his,” Rev. Borg says. “There are increased needs in the community, in relationships, in families, and am I allowing these needs to move me?”

     They leave listeners with the challenge to ask God what “sharing everything in common” would look like in their lives, their families, communities and their workplaces, while all the while, asking God to stir their hearts to act on what He tells them.

Happy Thanksgiving - Giving Gratitude > The outward expression of gratitude is giving, and so is the outward expression of trust. Dave and Reb discuss these two thoughts as part of their Thanksgiving weekend episode. The journey of trusting God in our finances is the journey of growing in our desire to give thanks. It is also a journey of growth as we give our time, talent, resources, expertise, and finances. 

     “As the needs around us continue within our families, friends and community, the necessity of our gratitude pouring itself out in giving is increasingly essential,” Reb says. “This thanksgiving, I need to remember to love my neighbour as I love myself, while thanking God for all He is, and all He has given.”

     This Thanksgiving weekend, Dave and Reb encourage listeners to take some time to express gratitude to God and others with gifts of words, finances, and time. 

     “When giving becomes this intentional, the trust, joy, and confidence in God is part of the fruit of this spiritual discipline of giving,” Reb says.

Following Jesus > It’s the story of the rich young ruler, and Dave and Reb share fresh insights into this story on today’s episode of “Let’s Talk Money with Dave and Reb”. Join them and relive the story as you see how the young man ran to Jesus and fell at his feet, looking for eternity. Journey with them as they see how Jesus cut through the layers and pin-pointed what he held “most dear” to his heart. 

     “Just like the rich young ruler we are often confronted with our own appetites and longings, selfishness and habits, as we sit with Jesus,” Reb says. “And this can be a really good thing as we seek His Kingdom and the treasures we find only in Him.”

     To hear their conversation, tune in to today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

A Season to Adapt > On today’s episode of “Let’s Talk Money with Dave and Reb” the co-hosts continue conversations they have been having throughout the month of September talking about the current economic challenges and the fear and anxiety it is causing in many Canadian families.

     They mention an article referencing an Equifax report, giving statistics about the response of Canadians to current economic stress. Go to https://www.cbc.ca/news/business/rising-credit-card-debt-in-canada-1.6571516 to learn more. Reportedly, Canadians are turning to credit cards for financial stress relief, resulting in rising debt. 

     “This is definitely a time when Canadians are asking how they can respond to increased costs of living, while trying to minimize debt and the financial weight they are carrying,” Dave says. “And the answers need to be explored and pursued as we all become more and more aware of what is happening within our financial journeys. Accruing more debt, is not the answer.”

Saying Yes! Saying No! > Expectations and circumstances keep changing in today’s economic climate, and Dave and Reb understand that the word “no” is becoming increasingly important. On today’s episode of “Let’s Talk Money with Dave and Reb”, they look at why saying “no” to some things in our lives will be essential to avoid financial trouble ahead. 

Today, Dave shares an analogy to help listeners understand. 

     “Financially, many of us have been driving on a six-lane highway with lots of room to make mistakes, correct, and have freedom to move and spend,” Dave says. “However, as our economy becomes more challenging, it is like we are now driving on a two-lane highway in the mountains, and we are driving ever nearer to the guard rail.”

     Dave and Reb encourage listeners to be financially aware, and also to make financial plans as the economy squeezes their finances. 

     “With driving so close to the financial guard rails, people may not be able to spend as they have over the past few years when interest rates have been so low,” Dave says. “We now need to navigate these changes with our commitments, and perhaps we need to say ‘no’ sometimes, so that we can say ‘yes’ to others.”

Trusting God in Changing Times > Dave and Reb encourage listeners on today’s episode of “Let’s Talk Money with Dave and Reb” to persevere in the financial challenges that these days are bringing, as they hope and trust in God. With increases in cost of living, Canadians are starting to ask a lot of questions about mortgage payments, and how to meet rising prices when their incomes remain the same. 

     Dave and Reb offer some spiritual and practical advice as they remind listeners that God is trustworthy, and anyone who trusts God will be like a tree planted by streams of water. In a year of drought or financial trouble, people won’t fear because they are connected to the source of living water – Jesus Christ. 

     The co-hosts also reference a Financial Post article stating that only 39 per cent of Canadian mortgage holders include their mortgage expense in their monthly budget. To learn more about this statistic go to https://financialpost.com/executive/executive-summary/posthaste-canadians-are-worried-about-rising-mortgage-payments-but-that-doesnt-mean-theyre-budgeting-for-them.

The "Not-So-Faithful Steward" > As we head into the long weekend, Dave and Reb discuss one of their favourite movie characters as an example of a “not-so-faithful” steward on today’s episode of “Let’s Talk Money with Dave and Reb”. Denethor is the ruling steward of Gondor in the movie trilogy The Lord of the Rings. As a steward, he leaves his responsibilities, choosing to believe the lies of his enemy. He stops leading, fighting, and standing for truth. Grief and despair reign in his heart, and he refuses to listen to wise counsel. There are many warnings we can learn from Denethor’s example of stewardship, and Dave and Reb encourage listeners to consider his example, as well as to seriously understand their roles as managers of God’s resources. 

     “It is so important as managers of God’s resources that we learn what stewardship means and how to carry it out practically,” Reb says. “So often we use that word stewardship without fully grasping what that means in our daily lives.”

Coveting or Content? > On today’s episode of “Let’s Talk Money with Dave and Reb” the co-hosts tackle a heart-issue money topic. Coveting is perhaps an issue we don’t usually discuss in our daily lives, but God warns us about how coveting, greed, and jealousy can lead us down dangerous paths in our hearts, in our finances, and in our relationships. Dave and Reb discuss what this looks like, and how it comes right up against our desires for contentment. 

     In Hebrews 13:5-6 God says:  Let your conduct be without covetousness; be content with such things as you have. For He Himself has said, “I will never leave you nor forsake you.” So we may boldly say: “The Lord is my helper; I will not fear. What can man do to me?” Tune in today’s show as Dave and Reb discuss how God’s presence meets our deepest needs. 

Listen Carefully > Today’s topic on “Let’s Talk Money with Dave and Reb” was inspired by a quote from Chris Anderson, the head of TED TALKS, in his book TED TALKS — The Official TED Guide to Public Speaking: “When people aren’t prepared or ready to listen, communication can’t happen.” Dave and Reb speak about listening carefully on today’s episode and challenge our thinking about communication. Even God challenges His people to listen carefully to Him in Isaiah 55. They want you to consider how well you are listening to God, and to others, especially when it comes to spending money. 

     Isaiah 55 verse 2 says:

     Why do you spend money for what is not bread,

     And your wages for what does not satisfy?

     Listen carefully to Me, and eat what is good,

     And let your soul delight itself in abundance.

     Dave and Reb leave listeners today with two weighty questions: “Where am I spending money on what does not satisfy?” and “Am I truly listening for the answer?” Tune in to hear their discussion. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Back to School > We are less than one month away from back-to-school season, and Dave and Reb remind listeners to keep planning for the financial commitments that come with it. On today’s episode of “Let’s Talk Money with Dave and Reb” the co-hosts provide tools and reminders for avoiding debt with the many activities and school commitments starting up in September. Listen to today’s show and hear how you can include your children in this discussion. 

     “Partnering with your kids in spending decisions as opposed to having combative discussions is one of the best ways to navigate this season,” Dave says.

     Other tips include:

• Making a plan
• Sticking to the plan
• Discussing your ideas with your kids
• Hearing their ideas
• Asking your kids to contribute something towards the costs

     To get a few more ideas about back-to-school spending you can read this blog at https://myratecompass.ca/blog/personal-finance/back-to-school-shopping/.

Adapting to Change with Dr. Rebecca Sutherns > Dr. Rebecca Sutherns, CEO of Sage Solutions, joins Dave and Reb again today to talk about how the past two years have affected people’s abilities to adapt to continually changing contexts, whether it be in family relationships, workplace stress, or finances. As a certified professional facilitator, she has been helping businesses, charities, churches, and individuals determine their ability to adapt. She has also been giving guidance in re-learning and re-building adaptability skills.

     Dr. Sutherns simply calls it “recharging our batteries”. Listen in to hear their discussion that encourages us to keep hoping, and to keep relying on the support around us. Resilience, hope, and team support are three important pieces of building adaptability back into our lives.

     To learn more about Dr. Rebecca Sutherns, go to rebeccasutherns.com. Today's show is sponsored by More Than Enough Financial - a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. You can also listen to the financial fitness seminar led by Dave and Reb by going to these links: Financial Fitness Seminar link, or for a shorter version Debt Snowball link. These recordings will help you create a plan for debt repayment. To order Reb's e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God's Hope and Freedom for Your Finances, go to morethanenoughbooks.com or email info@morethanenough.ca, to arramge a pick-up from their Ottawa office.

God's Faithfulness in Finance with Dr. Rebecca Sutherns > Dr. Rebecca Sutherns, CEO of Sage Solutions, shares her money story on today’s episode of “Let’s Talk Money with Dave and Reb”. After 31 years of marriage, four children, one grandchild, and 25 years of work in her business as a Certified Professional Facilitator, Dr. Sutherns reflects on the biblical financial principles she has carried throughout her life, as well as the beautiful financial foundation she and her husband have received through great mentors. 

     In sharing her money story, Dr. Sutherns expresses five areas of strength she has learned and developed with God and money. She has learned:

1. a willingness to talk about money,
2. to understand that her compatibility with others financially has been a gift of God,
3. to routinely live below her means,
4. to know where her money goes by recording and keeping track, and 
5. to have big picture goals for finances, including generosity.

     “The way we handle our money reflects our understanding of God,” she says. “And we ought to handle our money in a way that reflects God’s character.”

     Tune in to hear the first of two episodes this summer that are intended to encourage us to see the thread of God’s faithfulness woven throughout our lives. To learn more about Dr. Rebecca Sutherns, go to rebeccasutherns.com. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. You can also listen to the financial fitness seminar led by Dave and Reb by going to these links: Financial Fitness Seminar link, or for a shorter version Debt Snowball Link. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

A Story of Hope with Patty Grose > Hope can be hard to find in the midst of illness, tragedy, and challenging life circumstances. But hope is exactly what Dave and Reb’s lifelong friend Patty Grose shares with listeners on today’s episode of Let’s Talk Money with Dave and Reb”. 

     Her story is one of loss, and is lined with a strong message: make sure you have a will and estate plan in place. After losing her husband suddenly, she and her seven-year-old daughter were left to grieve and carry the responsibility of a family-owned business. The will they were putting in place was not finalized by the time he died, and this propelled them into a myriad of obstacles, challenges, and lessons in the months ahead. Add to that, a cancer diagnosis, and Patty would need to lean into the Lord like never before. 

     Listen to Patty share her story of sorrow, hope, love, and God’s provision in the midst of these circumstances. Go to willful.co to find out more about online will planning. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com.

Rates, Mortgages, and Inflation >There is a lot of concern over inflation and interest rates in the Canadian economy, but on today’s “Let’s Talk Money with Dave and Reb” the co-hosts want to encourage listeners to take some time, breathe, and consider the historical context for interest rate fluctuations. To help Dave keep context, he keeps the historical interest rate graph from 1935 to present day on his desk. Alongside that, he also encourages listeners to create a financial plan and stick to it. 

     “Live on less than you make, build an emergency cushion, pay down debt, and keep capturing your money efficiently, making sure it goes where you want it to, so that you don’t get into financial trouble,” Dave says.

     As Proverbs 27:12 in the Message translation says, “A prudent person sees trouble coming and ducks; a simpleton walks in blindly and is clobbered.” 

     Neither Dave nor Reb want to see anyone get clobbered.

Good Talk, Bad Talk with Rev. Ray Borg > Are money conversations always a good idea? That is the question Dave and Reb tackle with monthly guest Rev. Ray Borg on today’s episode of “Let’s Talk Money with Dave and Reb”. In all their podcasting years, Reb is sure they have never talked about “unhealthy” money conversations, and in light of growing economic uncertainty, they are hearing more and more money words that are stirring up strife and fear. 

     “I guess we need an adjective in front of the word “conversations” — like healthy, good, wise, helpful,” Reb says. “We can be honest with one another without stirring up fear, as we encourage one another to trust God in every situation, and in remembering the faithfulness of God in trying times.”

     Tune in to hear their words of encouragement based in Scripture, and their heart to see listeners focusing on the hope of Christ. 

     In reference to a quote shared on the podcast, here is a portion from John Fenn, leader and pastor of Church Without Walls International: The Lord’s provision may not be what we’d always like. For some it may be multiple generations living under the same roof to save money. It may not be seen as the highest and best solution, but it will be the Lord’s provision for many. People will need to start gardens to supplement their groceries – yet that may be the Lord’s provision. Discipline of lifestyle and delaying or cutting back on extras may be required – and yet what we have to do in common sense is the Lord’s provision. We keep a positive attitude, worship, and look for His provision. (This was taken from his newsletter on June 22, 2022.)

Pause and Celebrate! > Happy Canada Day! While these past years have come with difficulties and challenges for Canadians, Dave and Reb encourage listeners on today’s “Let’s Talk Money” to take a deep breath today and pause to celebrate! Reb asks listeners what our families and communities would look like today if we just gave thanks for all we have been given. 

     On this day when so many communities are celebrating with barbecues and fireworks, Dave and Reb encourage listeners to be intentional about setting aside time to give thanks. They refer to Colossians 6:7 as a source of hope, as well as a reminder that we are rooted in Christ, and as we are built up in Him, our faith will grow, and we will overflow with thanksgiving. 

     "The roots of Christ are to grow deep within us and the end result will be a thankful heart,” Reb says. “That is just amazing! Sometimes we have to crank the handle to prime the pump to remember we are rooted in the God of the universe. When we turn our heart to Him, it is an intentional act as we set our minds on Christ.” 

Simple Business Strategies with Bron Vasic > Today, More Than Enough tax specialist and coach Bron Vasic joins “Let’s Talk Money with Dave and Reb” to talk business strategy. When people are asking about tax strategies for business, Bron suggests the first focus points should be about making the business profitable, then entrepreneurs can learn best tax strategies based on their circumstances. Making a plan and being committed to the plan is essential, especially in today’s economic climate. Also important to the business journey, is talking with other business people about their successes and failures. Learning and gleaning from others is key to successful planning. 

     “It is important to get as much information as possible to create a business map,” Bron says. “And then decide what is going to be on that map.”

     When people are starting out on the entrepreneurial path, it is important to recognize if your business idea is actually a business idea, or if it is simply a hobby.

     “Hobbies cost time and money,” Dave says, “ Hobbies aren’t profitable, but a business is designed to make a profit, where you get a return on the investment of time and effort you have put into it.”

Capture your thoughts, Capture your finances. > Have you every thought about how you think about money and possessions? Or the heart issues around them? On today’s “Let’s Talk Money with Dave and Reb”, the co-hosts look at God’s directive about taking every thought captive to make it obedient to Christ (see 2 Corinthians 10). One minute you can be thankful for what’s in the bank, the next minute you think there is never going to be enough. There are hundreds and thousands of thoughts we have daily, and Dave and Reb take a serious look at the need to capture our thoughts, but also the need to capture the reality of what is happening in our spending plans, as well as in our hearts towards God. Tune in to hear their discussion, as they also outline the need to capture financial margin every month. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. You can also listen to the financial fitness seminar led by Dave and Reb by going to these links: Financial Fitness Seminar link, or for a shorter version Debt Snowball link. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

Provision in the Wilderness > Rev. Ray Borg from notmine.ca joins Dave and Reb today on “Let’s Talk Money with Dave and Reb” to talk about the provision Israel received from places of slavery through the desert and into the promised land. The same provision they received in ancient times is the same provision available to us. God made known his ways to Moses, and his deeds to the people of Israel, according to Psalms 103. This knowledge of God’s deeds and His ways is available to us as we journey in our finances today. 

     God provided the fire and cloud on Israel’s journey to the promised land. He gave them food and water. He gave them His Presence. They had what they needed, and God has given us what we need, if we just open our eyes and ears to what He is doing around us.

     “There is so much going on,” Rev. Borg says. “I don’t want to miss in this season what He is doing in my heart.”

Attentiveness and intentional time with the Lord are key components to understanding how God is working in the hard places, and in the places of promise. 

     “As Brian Doerksen writes in one of his songs, we ask God to show us His way, His Truth, and the road that always leads us back to Christ – that is the Jesus way,” Reb says.

     Listen to the show and click the link to Brian Doerksen’s worship song “The Jesus Way“, to find encouragement no matter where you find yourself on your financial journey. 

Overcoming Decision Paralysis > Financial decisions come in all shapes and sizes, and in these days of increasing interest rates and inflation, some of these decisions may be harder and harder to make. Today on “Let’s Talk Money with Dave and Reb,” the co-hosts talk about decision paralysis, and how listeners can apply the Word of God to their financial decision making process. 

     Trusting in God, waiting and praying, getting rest and sleep, and finding wise counsel are all a part of the preparation God has given us to tackle these challenging seasons. 

     “There are so many options available to us and that can create havoc when needing to make a financial decision,” Reb says. “Or we don’t have the capacity in this year of 2022 to think through the decision making process. That’s why the Word of God is so helpful and pertinent.”

     Scriptures from Proverbs 3, Psalm 3, Psalm 27, Matthew 11, and Proverbs 11, 15 and 19, are among the verses Dave and Reb believe will help Christ-followers on their path of hearing from God.

Building an Emergency Cushion > One of the key tools in the More Than Enough debt-repayment tool belt is an emergency cushion, and on today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts give direction on how to build a cushion so we don’t need to turn to credit in emergencies or crisis.

     Doing this exercise means we will live on less than we make, and then capture that “extra” money and put it in a separate account over a three-month period. When unexpected expenditures hit, we are then prepared to draw that money out, instead of using credit. 

     “Having an emergency fund has been one of the most helpful and effective tools we have used on our financial journey, whether or not we were earning a lot of income or not,” Reb says. “You really don’t understand that until you build one, use one, and then keep filling it up.”

     To learn more about building the cushion, tune in to today’s show which is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. You can also learn more about the emergency cushion by listening to the financial fitness seminar led by Dave and Reb by going to these links: Financial Fitness Seminar link, or for a shorter version Debt Snowball Link. To order Reb’s e-book, audio book, or soft-cover copy of Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

Financial Decisions as Spiritual Decisions > What would it look like if you had stress-free nights, where you didn’t worry about how you were going to pay the next bill, or where you were going to get the money to pay your taxes? What if you learned to live on less than you make? What if that isn’t even possible with the rising cost of living? Dave and Reb tackle some of these thoughts and questions on today’s episode of “Let’s Talk Money with Dave and Reb”. 

     There aren’t always easy answers, especially in light of increased costs like gas prices happening almost daily, but the co-hosts encourage listeners to bring their financial worries, hopes, and dreams continually to the Lord. He is the One to bring the wisdom needed in every decision. 

     “Isaiah 30 tells us that though we walk through adversity, we can hear the voice of God directing us,” Reb says. “Verse 21 says that our ears will hear a word behind us, saying ‘this is the way, walk in it.’ Whenever we turn to the right or the left, He is with us keeping us on the path that is best for us.”

When is Enough, Enough? > Rev. Ray Borg from Financial Discipleship Canada joins Dave and Reb today on “Let’s Talk Money with Dave and Reb” to tackle the topic of enough. What is the baseline for wealth? How do we know when enough is enough? What is God asking of His followers in this season? With costs rising, people are asking tough questions around cash flow and budgeting. On today’s episode, Dave and Reb hope listeners find encouragement and strength in their financial journeys with God. 

     “As Christians, our baseline of wealth is recognizing that all of our resources find their origin in God,” Rev. Borg explains. “Our faith is being stretched in a new way in this season, and we need a level of trust we haven’t had before.”

     It is this deeper trust — as we understand God is our source of everything we are and everything we have — that will be the strength we need during these times of financial adjustments.

     “It is important that we also learn to take our cues about finances from our relationship with the Lord, as opposed to the culture around us,” Rev. Borg says.

Jesus Centered with author Dr. Steve Brown > Today, Dave and Reb welcome a special guest to “Let’s Talk Money with Dave and Reb.” Author and Arrow Leadership President Dr. Steve Brown shares highlights from his most recent book Jesus Centered: Focusing on Jesus in a Distracted World. Together, they discuss the importance of focusing on Jesus especially in the area of finances. 

     Dr. Brown shares how focusing on Jesus in all areas of our lives creates a change in thinking, including in the area of finances.

     “We begin to understand we serve with Jesus, not just for Him,” he says. “We also see that Jesus walks into our shame and defeat and changes the story of our lives.”

     With so many global events affecting our daily lives, the message to daily re-focus on the hope, love, and presence of Jesus is essential. Listen to today’s episode to hear how Jesus walks with us into both the shame and joy of our daily lives to re-create a new life-giving narrative even in the midst of difficult circumstances. To find Dr. Brown’s book go to https://www.arrowleadership.org/resources/jesus-centered-book/.

How then shall we live? > Dave and Reb have been hearing a lot of questions from listeners and More Than Enough clients about how to make practical financial decisions in the midst of rising interest, inflation, and costs of daily living. The bigger question from all of these is addressed on today’s episode of “Let’s Talk Money with Dave and Reb.” 

     How then shall we live? It is a question that begs an answer but is not so easy to resolve. 

     As costs rise, Dave and Reb encourage listeners to be intentional and consider the choices that need to be made in daily cash flow management. 

     “As Gandalf the Wise stated in Tolkien’s novel The Fellowship of the Ring, ‘one must tread the path need chooses,’” Reb says. “The question we need to consider is ‘where are our needs leading us?’ And what are some of the tough choices that need to be made?”

     Listen to today’s show to hear some spiritual, heart suggestions that will help guide each of us back to the Lord for wisdom, love and support, as we navigate the practical issues of how and where we save and spend money.

Talking Love and Money...Again > It has been a few months since the Valentine’s Day show, but Dave and Reb want to pick up where they left off. On “Let’s Talk Money with Dave and Reb” today, they dig into an assumption married couples can develop that can hinder their finances and their marriage. 

     The idea that “whoever earns more should have more control or more say in their finances” is a thought known as the “ownership assumption.” 

     “Making this assumption is like putting power and money in the same pot,” Dave says. “And that is just not going to end well.”

     Dave and Reb stress the importance of remembering to love your neighbour as yourself because in this instance your neighbour is your spouse. 

     “We want to create spaces of safety, intentional discussions and honesty in our marriages,” Reb says. “You may feel you deserve more because you make more money, but you need to hear your spouse on how they are feeling about it. This is about more than just you.”

     To learn more about this assumption, and others we can make around money and marriage, go to https://thriveinloveandmoney.com/. Some of the information referenced in today’s show can be found in Shaunti and Jeff Feldhahn’s book thriving in love & money – 5 Game Changing Insights about Your Relationship, Your Money, and Yourself. 

Surrendered Giving on Good Friday > On today’s “Let’s Talk Money with Dave and Reb,” the co-hosts welcome Rev. Ray Borg from notmine.ca for the second of a two-part series on giving. This episode focuses on how a surrendered life is a giving life, and how Jesus is the perfect example of that life. Together, they encourage people to open-wide the windows of limiting beliefs that keep them from living a surrendered life of giving. 

     You will need to tune in to find out how Philippians 2, a quote from Reb’s book, and the idea of limiting beliefs, can transform your understanding of giving. 

     “Jesus’ humanity, His humility, and His act of surrender to His Father’s will is so important to consider,” Rev. Borg suggests. “Then it leads me to ask the question: am I that surrendered, especially in the area of giving?”

     Rev. Borg, along with Dave and Reb, uncover some of the heart issues around giving on today’s show. These topics are not easy ones to consider, especially in the atmosphere and challenges we are facing in the world today. However, together they encourage listeners to go back to the life of Jesus, and consider how He gave, especially on this Good Friday morning. 

Positioned for Giving > On today’s “Let’s Talk Money with Dave and Reb,” the co-hosts welcome Rev. Ray Borg from notmine.ca in the first of a two-part series on giving. This episode focuses on a key question: what do we believe about giving? Once we start to understand the answer to this question spiritually, philosophically, and practically, we will know ourselves better. This understanding will also provide a foundation and position for our giving.

     Looking at several wisdom verses found in James 3, together they discuss what wisdom in giving looks like, and how we can hold these verses up as a mirror to our financial situations. 

     Who is wise and understanding among you? Let them show it by their good life, by deeds done in the humility that comes from wisdom. But if you harbour bitter envy and selfish ambition in your hearts, do not boast about it or deny the truth. Such “wisdom” does not come down from heaven but is earthly, unspiritual, demonic. For where you have envy and selfish ambition, there you find disorder and every evil practice. But the wisdom that comes from heaven is first of all pure; then peace-loving, considerate, submissive, full of mercy and good fruit, impartial and sincere. James 3:13-17

     “These verses are a practical guide and mirror to help us navigate the heart of giving,” Dave says. “From them, we can consider if our finances reflect the qualities of wisdom like being peace-loving, considerate, and full of mercy. Giving reflects this kind of wisdom.”

Happy April Fool's Day > Dave and Reb have a big announcement to make on today’s “Let’s Talk Money with Dave and Reb.” The announcement may surprise you. It may horrify you. But rest assured, Dave and Reb have your best interests at heart. (And no, they are not having another baby!) 

     “We don’t want to spoil the announcement, but want to direct you to today’s show,” Reb says. “We are hoping that this announcement will prompt some insights, actions, and reflection. We really hope it will be transformative for our clients and listeners.”

Fact, Faith, Fear - Part 2 > Dave and Reb continue their conversation about financial facts that concern us, fears that lead us, and faith that strengthens us, on today’s episode of “Let’s Talk Money with Dave and Reb.” In light of this Lenten season, they also reflect on the work of the Cross, the beauty of Christ’s victory, and the need for surrender in our finances as we journey in faith. 

     God is wanting to pour His new wine of love in and through us to this hurting world of 2022, but who we were several years ago, will not be able to hold what God wants to do in the days ahead. Dave and Reb share their hearts about the need for “new wine skins” on today’s show.

     “There is so much love to share and give, and what we have been experiencing may be shaping in us character qualities that will be able to stand, persevere, and carry God’s great goodness into the days ahead,” Reb says. “I don’t know what is coming, but we will need to stand together in faith and trust in God, and not give in to the worries and fears that are so prevalent.”

Fact, Faith, Fear Part 1 > Many financial questions are swirling around these days about the future ahead. On today’s “Let’s Talk Money with Dave and Reb,” the co-hosts uncover some facts, address a few fears, and look at how both are affecting our faith and walk with God. With concerns over gas and food prices rising, many people are wondering what to believe about the future ahead. Dave and Reb encourage people from Jesus’ words found in Matthew 6, and remind listeners that there is a strong history of God taking care of His people. 

     They invite people to step away from the edge of fear and put their lives in the solid hand of God. 

     “It is like we are intentionally standing on the edge of a big cliff of fear, and the slightest breeze will knock us over,” Dave says. “But we can intentionally step back, not allowing our emotions to lead us, and turn to God with our anxieties and worries. Making fear-based decisions is never a good idea.” 

     Reb encourages listeners to identify their financial fears, especially when those fears “speak” doubt: Will God really supply? Did God really say? Is He really good? 

     “Those questions in our hearts and minds can sound a lot like Satan’s questions to Eve in the garden,” Reb says. “And as those questions led Eve to a life of independence, away from God, so they can lead us.”

Legacy with Brent Vandermeer > What are we leaving behind? It seems to be a question many are asking, and Dave and Reb welcome Brent Vandermeer, financial advisor at CrossPoint Financial, to weigh in on the importance of legacy on today’s episode of “Let’s Talk Money with Dave and Reb.” Leaving a legacy does not only involve leaving finances to the generations behind us, but leaving spiritual wealth and wisdom, as well. 

     “We always need to remember that money is a tool we use to try and do good in the world,” Brent says. “Leaving a legacy is really the story of a life well lived.”

     Taking a look at Deuteronomy 6, Dave and Reb talk about how God wanted His people to remember Him, and how He had led them out of Egypt. In this passage, God reminds them that they live in houses full of good things which they did not fill, drink from wells which they didn’t dig, and eat of vineyards and olive trees that they did not plant (see verses 10 to 12). 

     “This is a poignant reminder to us today, that in the legacies we receive, or in the legacies we want to leave behind for our families, God is the author and owner of them all,” Reb says.

     To learn more about Brent’s work and his heart behind the purpose of investing, go to https://www.crosspointfinancial.ca/. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company empowering people to effectively manage their finances, while finding hope and financial freedom one day at a time. Go to www.morethanenough.ca for more information. To order a copy of Reb’s book Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

Investments and Inflation with Brent Vandermeer > Dave and Reb welcome Brent Vandermeer, financial advisor from CrossPoint Financial, to this episode of “Let’s Talk Money with Dave and Reb.” With inflation rising, the cost of goods increasing, and income often not keeping pace, questions around long-term investing are on the minds of many. On today’s show, they talk about what inflation means, and what considerations need to be made in investment portfolios. Their discussion takes place alongside Jesus’ words in Mark 8 to remember and understand that we have a heavenly Father who is good and provides for us. 

     As people are feeling the crunch of earnings not keeping up with inflation, people are also considering how to decrease or cut costs, as well as increase earnings. That can involve looking at savings and investments. Right now, that includes increasing awareness of how inflation will affect investments down the road. People who have not considered higher risk investments may need to do so as investments need to grow in such a way as to keep desired standards of living at certain levels.

     Listen to today’s show, to hear some of Brent’s considerations, and to hear more of his heart around the purpose of investing. To learn more, you can also go to https://www.crosspointfinancial.ca/.

More ADHD Conversation with Dr. Beth Anne van Noppen > Financial Awareness can be challenging for many of us, but for those struggling with Attention-Deficit and Hyperactivity Disorder, it can be overwhelming. Dave and Reb speak with local physician, Dr. Beth Anne van Noppen on today’s episode of “Let’s Talk Money with Dave and Reb” where she provides practical tips on how to manage money. Keeping a simple budget, giving yourself a 24-to 48-hour spending rule, using cash, or using an APP that provides you with visual envelopes are among the helpful ideas and tools discussed on today’s show. 

     Dr. van Noppen says it is important to remember that you can manage money. It may not be easy or intuitive, but it can be done.

     “You can do this,” she says. “There is hope, and I think if people can simplify, take small steps, managing your money is possible.”

     She also provides encouragement to partners or parents of those with ADHD. She suggests people learn more about ADHD to understand that people aren’t intentionally or deliberately ignoring you or disrespecting you. 

“It’s really a brain wiring issue rather than a moral issue,” she says. “Being patient and understanding that you are a team, where you use one another’s strengths to grow and develop are also really helpful and important considerations.”

     Tune in to gain more understanding and compassion for those with ADHD. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. For more help or information about money and ADHD call our office at 613-520-4157 and our staff will connect you with Dr. van Noppen. 

Preparing for Renovations with Justin Charron > Dave and Reb invite their friend and contractor Justin Charron to join them on “Let’s Talk Money with Dave and Reb” to talk about the ins and outs of planning for renovation projects. After going through their own renovation experience during Covid-19 lockdowns, they share with Justin their insights and questions about their experience. 

     Attaining written estimates, having ongoing communication, planning financing ahead, and developing trust with your contractor is all a part of keeping your project renovations on a good projectory. 

     As a project manager at Olistin Homes, a partner of MR Kitchens, Justin also believes that written estimates and understanding your financing are essential before starting a project. 

     “Having a clear understanding of your budget is important so that your selections are in line with that financing,” Justin says.

     Listen to today’s show to hear their encouragement to plan wisely, and as much as you are able, expect the unexpected. 

Talking Love and Money > It’s almost Valentine’s Day and Dave and Reb are talking love and money on today’s “Let’s Talk Money” podcast. To help listeners understand the fragility of these conversations, they have brought in some tea cups to help illustrate the delicate nature of money conversations, especially in marriage. Sometimes we come into money discussions with perceptions, wounds, or misunderstandings that can create conflict we weren’t expecting. Before we know it, the tea cups are shattered. 

     “I think it is a great idea to come into your financial date with either a tea cup in hand, or a sturdy mug – something that represents how you are feeling that day,” Dave says. “This is a visual reminder about how you are coming into the conversation and it may create an atmosphere of grace and understanding.”

     Listen in to today’s show to hear more about tea cups, limiting beliefs, and how you can navigate some of these challenging conversations. One resource that Dave and Reb find helpful in navigating financial discussions in marriage, family, and community, is the book by Shaunti and Jeff Faldhahn called thriving in love & money; 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself. You can find out more about them at https://thriveinloveandmoney.com/.

Walking with People in Financial Crisis > Many people struggle with daily financial cash flow management. Some of us watch our friends and family as they work through these challenges. On today’s episode of “Let’s Talk Money with Dave and Reb”, the co-hosts provide some tips for how to walk with people in financial crisis. There is no simple or easy answer, but Dave and Reb share some of the things they have learned “on the journey,” while admitting they haven’t always done it well. 

     Here are a few ideas they offer to listeners:

• Pray for wisdom and understanding, as well as the right timing to ask the questions and have the discussions.
• Show up with compassion and humility. Leave advice-giving at the door. Sometimes good questions, a listening ear, and your presence is all that’s needed.
• Ask good questions. If you want to understand the importance of questions listen to these two “Let’s Talk Money with Dave and Reb” podcasts with Coach Dr. Keith Webb recorded earlier.
• Find formal help from a financial coach, advisor, or pastor. There is wisdom to glean from others who have experience in walking with people through financial challenges.
• If you find that your friend or family member isn’t hearing your concerns, follow the model found in Matthew 18:15-20 where you involve others in your community to walk through the process.

Let's Talk Tithing > The discussion of tithing may or may not be a controversial subject for you, depending on your perspective. Today on “Let’s Talk Money with Dave and Reb,” the co-hosts welcome Rev. Ray Borg from Financial Discipleship Canada and notmine.ca to discuss the subject of tithing and giving from a cheerful heart, as they provide a perspective of grace and generosity. They don’t provide black and white answers, but do their best to create a foundation of truth and understanding for those wondering if tithing applies to Christians today. Looking at the story of the first tithe by Abram in Genesis 14, they dig into the heart of tithing and giving as an act of worship.

     “Having the Holy Spirit living in our lives, means we allow Him to access our hearts, check out our motives and bring to light areas like tithing,” Rev. Borg says. “I do believe it is part of worship unto Him…and as our hearts are yielded to Him and we ask Him to lead us in our giving and as an act of worship, we give as He directs. Our giving and tithing are not done out of legalism, shame and condemnation, or even manipulation, but as extravagant worship unto our King.”

     Whether we follow a 10 per cent rule for giving, or give much more or much less than that, Dave and Reb urge listeners to do it out of a heart of gratitude and relationship with the Lord. 

     “This isn’t about following the rules, but living out of a relationship with God, and seeing the wonderful adventures of giving that He invites each of us to be a part of,” Reb says.

     Today’s show was inspired by a SeedTime Money recording with Bob and Linda Lotich. Follow this link to hear their discussion. https://seedtime.com/3-types-of-tithing/?fbclid=IwAR1e0XQrTzMvHhgVtfTxa27i7pQob0-t8xrfoV-Dx0etpfVP7cQ3htjilEQ 

Tax Preparedness > Dave and Reb welcome More Than Enough’s financial tax coaches Bron Vasic and Destiny Johnson to today’s episode of “Let’s Talk Money”. Together, they dig into the issues of financial hope and freedom in personal tax preparation. 

     Being proactive alleviates stress and anxiety, and allows individuals to think clearly about what tax preparation is needed before the April 30th personal tax deadline. 

     "Some people feel like they are going to the principal’s office, or feel like ‘Big Brother’ has found them out when it comes to the Canada Revenue Agency,” Bron says. “Some people are frozen by fear, and we, at More Than Enough, want to help alleviate all of that.”

     Spending time each week collecting documentation for income tax purposes can happen as early as the beginning of the year. In fact, it can happen all year long. 

     “Understanding what is required of you, is also a part of the planning tax process,” Destiny adds. 

Bringing Hope and Freedom > It’s mid-January and at the start of this new year, Dave and Reb take time on Let’s Talk Money today, to get re-focused on the More Than Enough calling of bringing hope and freedom into people’s financial journeys. Together, they dig into what financial hope and freedom looks as followers of Jesus Christ. 

     “At More Than Enough in our coaching department, and throughout our mortgage and tax departments, the words that keep us focused on our task and calling are the words hope and freedom,” Dave says. “At every team meeting we ask each other how we are bringing hope and freedom into the lives of others.”

     Hope is something that Dave and Reb recognize as essential in these challenging times. 

     “So many circumstances can strip us of our hope, especially around personal finances,” Reb says. “But God’s word is clear that hope doesn’t disappoint because God’s love has been poured out to us by the Holy Spirit. The heart issues around financial hope and freedom, relate to how we see, love, and have relationship with God on a daily basis.”

Tune in and listen to today’s show which is sponsored by Financial Advisor Bold Kere of Bold Care Financial. A podcaster and friend of Dave and Reb, Bold believes in identifying financial blind spots so people can have a clear action plan to live their best lives with God. You can find out more by going to his website boldfinancial.ca, or you can listen to his podcast Thrive 11-10 airing on CHRI 99.1 FM on Monday mornings at 9:30 a.m. 

Preparing to be Flexible > Dave and Reb start the New Year with preparedness and flexibility on their minds. It’s the first “Let’s Talk Money with Dave and Reb” podcast of 2022, and they are still passionate about talking money. They encourage listeners to slow down, to make every financial decision a spiritual one, and to bring God into all their conversations about money. 

     “Flexibility doesn’t mean throwing out the plans you have,” Dave says. “But it is continuing to check with the Father as you work out the plan. It’s making every spending decision a spiritual one.”

     They remind listeners of Proverbs 16:9 which says, “A man’s heart plans his way, But the Lord directs his steps” (NKJV).

Listen in, to hear more of their conversation. Today’s show is sponsored by Financial Advisor Bold Kere of Bold Financial. A podcaster and friend, Bold believes in identifying financial blind spots so people can have a clear action plan to live their best lives with God. You can find out more by going to his website www.boldfinancial.ca, or you can listen to his podcast Thrive 11-10 airing on CHRI 99.1 FM on Monday mornings at 9:30 a.m.

Reflecting on 2021 > At the end of this year, Dave and Reb take time to reflect on this past year of 2021. On today’s show, they talk about taking time to grieve the losses of the year, but also to give thanks for God’s presence and guidance. They talk about the importance of grieving and gratitude, as they direct listeners to reflect on the story of Mary, the mother of Jesus. 

     “Mary’s life was certainly disrupted at the coming of the angel Gabriel,” Reb says. “Her pregnancy was out of her control, but she took God’s promise to heart – He was with her. And that is exactly what we need to do as we head into 2022.”

     With the losses and joys of the past year, Dave and Reb encourage listeners to lament and mourn and offer those thoughts and feelings to the Lord. 

     “On the other side of that lament, will be a heart of thanksgiving,” Dave says. “And that is exactly what we see when Mary says ‘My soul praises the Lord’”.

     Listen to today’s show, to understand the importance of lament and thankfulness on your financial and life journey. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Go to www.morethanenough.ca for more information. To order a copy of Reb’s book Cultivating Trust: Finding God’s Hope and Freedom for Your Finances, go to www.morethanenoughbooks.com or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

ADHD and Financial Fitness with Dr. Beth Anne van Noppen  > Finances are hard enough on a good day, but add the struggle of Attention-Deficit and Hyperactivity Disorder (ADHD), and you have a ‘whole new ballgame’. Dave and Reb speak with local physician, Dr. Beth Anne van Noppen on today’s episode of “Let’s Talk Money with Dave and Reb”. She shares some of her insights into how these challenges affect money management.

     Dr. van Noppen calls ADHD an “invisible disability” that makes financial care difficult. Distractions of everyday life interfere with cashflow management. Coupled with the struggle to practise financial awareness by tracking spending and paying bills, people can soon feel overwhelmed. Issues such as procrastination, avoidance, and anxiety are all a part of this overwhelming cycle of money management. 

     On today’s show, together with Dr. van Noppen, Dave and Reb navigate and dig into some practical tools to help people navigate their finances. Tune in to hear their concerns and insights. 

Cultivating Trust with Ray and Reb > On today’s “Let’s Talk Money with Dave and Reb,” Rev. Ray Borg interviews Reb about her new book Cultivating Trust: Finding God’s Hope and Freedom for Your Finances. Reb shares her heart with listeners about this pandemic project and how she hopes readers will hear God’s invitation to come to Him with their worries and fears, especially around money. 

     Reading this newly released book will draw readers into the journey of deeper dependency on God as they dig up the soil of their hearts and plant seeds of hope and trust. Reb believes this is a book of mutual invitation where readers invite God into their financial journey, all the while responding to God by coming and learning from Him. 

     As Reb writes in her book:

Cultivating Trust with God in finance doesn’t happen on its own. It takes intentionality, time, relationship, knowledge of the truth, and hard work. Just as a farmer ploughs a field, so we walk with God as He turns up the soil of our hearts. He shows us the areas that need cultivating, where the weeds are, and how to carefully watch over the needs of our hearts with grace and compassion. (see page 31)

     While the actual writing of the book took only a year, it truly has been a 14-year project, since Dave and Reb started on the More Than Enough journey. Tune in to hear Ray and Reb’s conversation. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Go to www.morethanenough.ca for more information. To order a copy of Reb’s book, go to www.morethanenoughbooks.com. Or email info@morethanenough.ca, to arrange a pick-up from their Ottawa office.

God's Economy at Christmas with Arlene Borg > This has not been an easy few years for Canadians, so today on “Let’s Talk Money with Dave and Reb,” the co-hosts invite their friend Arlene Borg to share her love of Christmas and how we can continue to navigate this season and trust in God’s economy for living and giving. She shares tips on how to make Christmas purchases that won’t break the bank, while explaining that generosity and gift-giving are a part of how God expresses His love to others. 

     “I love all that there is about Christmas. I love the focus of Christmas which is on Jesus coming, his birth and the miracle of God coming in the form of a baby on our behalf,” Arlene says. “Because we have been blessed, I desire to be a blessing. Therefore, giving something special to those I love is important to me.”

     Using what you have, simplifying, and purchasing investment gifts that make a difference to people who struggle financially, are among her tips and ideas for this special time of year. She suggests having a good listening ear towards those people you want to give a gift to, while also listening to the Lord. 

     "Stay alert to what God may provide and listen to what He places in your spirit as an idea,” Arlene says. “My husband loves reading John Grisham books. I was going to buy him the latest one or two last year and then happily found a lady in Stittsville selling a whole library of his books. I studied what Ray owned and then filled in the gaps. So, for the same $50, I gave my husband a dozen books instead of two!” 

     Dave and Reb affirm Arlene’s belief that no matter how little or how much you have, you can be attentive to God and share His generosity with others. Listen in to hear their conversation. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Go to www.morethanenough.ca to find out more.

Black Friday > Black Friday comes around every year, just like Christmas, Easter, and Canada Day. And as we look to this weekend of shopping sales, deals and consumer frenzy, Dave and Reb challenge “Let’s Talk Money” listeners to not only do their Christmas shopping throughout this weekend, but to intentionally give some of their Black Friday money away. 

     On today’s podcast, they talk about taking some of the money we save and donate it to help those in need. As Dave says, “generosity disarms coveting and greed” and is a great way to reach out into the community at this time of year. 

     “There will always be deals and sales as long as we live, but the chance to build the kingdom today, only happens today,” Reb adds. “Giving is such an exciting part of our journey with God, and using this weekend to get intentional about giving to those in need is just a part of the adventure.”

     Today’s show is sponsored today by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Dave and Reb would love to hear how you’ve intentionally implemented generosity this Black Friday weekend. You can email them at info@morethanenough.ca to tell them your story!

New Builds with Mortgage Specialist Susanna Penning > “Where there is no guidance, a people falls, but in an abundance of counsellors there is safety.” That is a verse found in Proverbs 11:14, and on today’s podcast “Let’s Talk Money”, Dave and Reb welcome Mortgage Specialist Susanna Penning to provide some of that wisdom and safety for people deciding to build a home.

     While the Ottawa, Ontario real estate market has exploded over the last 18 months, with housing selling at an over-asking price and multiple offers on every sale, people are discouraged. Many More Than Enough clients are asking if building a home is feasible in this market and current economy. 

     Both Dave and Susanna believe that listeners need to educate themselves, and talk to trusted people in the business, before making this decision. 

     There are four basic suggestions they offer on today’s show:

1. Plan, plan, plan, so that you can anticipate as much of the unexpected as possible.
2. Have buckets of cash up front. There are lots of fees outside of simply getting a mortgage, like obtaining building permits.
3. Communicate, communicate, communicate to everyone in all the details, especially with your partner. As Susanna advised: “Before you build a house together, try wallpapering a room together.” 
4. Know why you are doing this house-build. What is your purpose? Knowing your purpose will carry you through the rough patches.

     Tune in and hear today’s conversation which is sponsored today by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time.You can find Dave at morethanenough.ca, or email him at info@morethanenough.ca. You can reach Susanna by going to https://themortgageadvisors.ca/agents/susanna-penning-amp/.

Celebrating Five Years! > Dave and Reb invite listeners to celebrate with them this morning! Five years ago this November, they launched this podcast “Let’s Talk Money with Dave and Reb” and they want you to join with them in giving thanks for God’s faithfulness. 

     “We are amazed that five years has gone by!” Reb says. “And we are also amazed at the content, conversations, and community that have flowed from our time together.”

     CHRI’s Station Manager Bill Stevens joins them this morning to talk about the significance of this podcast in the local Christian community. He says “Let’s Talk Money” is important to the fabric of the listening community.

     “Christianity is central to our finances, and your show reminds us to build on God’s word in our finances,” Bill says. 

With the encouragement of hundreds of listeners across the “Let’s Talk Money” community and the team at CHRI that produces the show, Dave and Reb are filled with anticipation for what is yet to come.

     "In these challenging economic times both personally and nationally, we look to God to keep directing us in our conversations and in our obedience to Him,” Dave says. “We are grateful to the community for supporting us as we move into 2022 and beyond.”

Moving to Maturity > On “Let’s Talk Money” today, Dave and Reb encourage listeners to think about how they react to financial stress, as they share their own go-to responses around money stress. Dave tends to bury his head in the sand, while Reb leans toward more controlling behaviours.

     “When there is stress, it’s important to know what your tendency is in responding to those stresses,” Dave says. “Then, understanding how your partner responds is helpful, especially when it comes to financial issues.”

     Looking at verses in 1 Corinthians 3, Dave and Reb also encourage listeners to grow in maturity in the Lord, so that envy, contentions, and divisions don’t rise among God’s people, especially in a family setting.

     “Moving toward maturity means slowing down in your decision making process, and in how you respond to others,” Reb says. “These involve very intentional choices. In a world with so much conflict, waking up to our financial journey, and growing up in our responses is not an option.”

     Tune in and hear today’s conversation which is sponsored today by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Go to www.morethanenough.ca for more information. 

Responding to the Supply Chain Crisis > On today’s “Let’s Talk Money”, Dave and Reb discuss the current global supply chain crisis and our consumer attitudes to how it is affecting our choices, especially as the Christmas season approaches. They remind listeners to be patient, find other solutions, and to learn contentment in the midst of this unprecedented situation. 

     Attitudes of entitlement may arise, but Dave and Reb share how Psalm 33 can refocus us on the Lord. “No king is saved by the multitude of an army; A mighty man is not delivered by great strength. A horse is a vain hope for safety; Neither shall it deliver any by its great strength. Behold, the eye of the Lord is on those who fear Him, On those who hope in His mercy, To deliver their soul from death, And to keep them alive in famine.” (verses 16-19) 

     "The Scripture also says that waiting on the Lord is an important part to trusting Him because He is our help and our shield,” Reb says. “Waiting patiently in the midst of these current situations will help us grow closer to the Lord, but also grant us peace.”

     On today’s show, Reb references a CBC podcast episode where they talk about the current supply chain predicament. Go to https://www.cbc.ca/listen/live-radio/1-63-the-current/clip/15871774-growing-humanitarian-crisis-afghanistan-global-supply-chain-problems. Start listening at 22:40.

Budget Busters Part 2 > Today, on “Let’s Talk Money”, Dave and Reb continue the Budget Busting discussion they started at the beginning of September. The More Than Enough coaching team had so many ideas and thoughts about what affects budgets, they decided to keep the conversation going. 

     One of the big pieces of advice they offer is for people to plan their spontaneity. When people are out and about and see something they haven’t planned for, or want to order something from a restaurant, they spend money they don’t have and for this, Dave and Reb have a suggestion.

     “This may sound like an odd idea, but if you can put ‘spontaneity’ as a line item in your budget or spending plan, as we like to call it, and you put money regularly and automatically into that ‘account’ or ‘envelope’, you won’t be caught going into debt over something you haven’t planned for,” Reb says. “I guess it’s planned spontaneity!”

     Listen to today’s podcast about those areas of our lives that can cause leaks and floods in our finances, and what you can do to keep them from undermining your goals and dreams. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax, and mortgage company helping people find hope and freedom in their finances one day at a time. Go to www.morethanenough.ca for more information. 

Thanksgiving Friday > Rev. Ray Borg from Financial Discipleship Canada and notmine.ca joins Dave and Reb on “Let’s Talk Money” this morning to reflect on thanksgiving, worship, and our understanding of God. This discussion also looks at how our ideas about God influence how we talk to God about money. 

     As James Bryan Smith says in his book The Good and Beautiful Life, “what we think determines how we live. If we think God is an angry accountant frowning on us and would love us if only we are good enough, that narrative will be seen in how we live” (found on page 11of his book). Together, Dave, Reb, and Rev. Borg discuss this understanding of God, and how that can influence our worship of Him. 

     They also talk about how God, through Jesus Christ and relationship with His Holy Spirit, truly is the North Star in our lives in so many ways. As the wise men said in Matthew 2:2, “we saw his star when it rose and have come to worship Him.” On this Thanksgiving weekend, Dave and Reb encourage listeners to take some time to reflect on who God is, and to thank Him for what He means in our lives! 

     “This is the season to look for His Shining Star, to rise up, give thanks, and worship Him, just as the wise men taught us,” Reb says. “It may not be Christmas, but it is always the season to give thanks and worship Him.”

Talking About Talking About Money > After recently hosting a seminar talking about money and communication, Dave and Reb thought it would also be a timely discussion for listeners of their “Let’s Talk Money” podcast. When talking to your spouse, kids, or friends about money, Dave and Reb remind us to walk in love, be wrapped in love, and remember to honour others more than we honour ourselves. Knowing that money and communicating are not easy subjects to tackle, Dave and Reb encourage God’s people to press in and wrestle through the hard conversations. 

     “Having conversations about money aren’t about saying ‘no’ to one another, but about strategically saying ‘yes,’” Dave says. 

     Having financial dates regularly throughout the month are key to getting you and your family members talking about money together.

     “This is about creating safe spaces for one another, as well as honouring one another as we do so,” Reb says.

Tune in to listen to their discussion. If you want to learn more about how to have healthy money conversations, contact Dave and Reb at morethanenough.ca. Today’s show is sponsored by More Than Enough Financial – a financial coaching, tax and mortgage company helping people find hope and freedom in their finances one day at a time.

Exploring Cryptocurrency with Bold Kere, Part II >  Dave and Reb again welcome Ottawa financial advisor Bold Kere of Bold Care Financial to today’s episode of “Let’s Talk Money”, as they continue their discussion about Bitcoin, cryptocurrency, and how to navigate this new world of financial digital investing, especially as Christians. Today’s show is the second of two parts where Dave and Reb help listeners navigate this new form of currency in the digital world. 

     As a financial advisor, Bold stresses that investing in cryptocurrency is not easy, and much research needs to be done. He also encourages people only to invest what they can afford to lose, as there continues to be so much to learn in this type of investing. As he explains, you don’t need to invest in one entire Bitcoin, but it can be purchased in percentages. 

     To learn more about crypto currency, tune in to today’s podcast. If you want to experience a more in depth discussion, Bold recommends a course by Securities and Exchange Commission (SEC) Chairman Gary Gensler. Here is the link to the class he gave at the Massachusetts Institute of Technology (MIT) on the subject of crypto before he became SEC chairman: https://ocw.mit.edu/courses/sloan-school-of-management/15-s12-blockchain-and-money-fall-2018/video-lectures/

     Today’s show is sponsored by Financial Discipleship Canada and notmine.ca: a place to find resources and conversation about serving and loving God with our finances. To learn more about financial discipleship go to notmine.ca. 

     To learn more about financial fitness seminars and financial accountability, call More Than Enough Financial at 613-520-4157. 

     To contact Bold Kere at Bold Care Financial, go to https://www.boldcare.ca/.

Exploring Cryptocurrency with Bold Kere, Part I >  Dave and Reb welcome Ottawa financial advisor Bold Kere to today’s episode of “Let’s Talk Money”, as they uncover the sometimes difficult and mysterious topic of cryptocurrency. Today’s show is the first of two parts where they define and explain this new form of currency in the digital world. 

     Today’s discussion focuses on the “five Ws” of the crypto world, including understanding crypto’s most popular token – Bitcoin. 

     As Bold explains, crypto tokens are not usually used in daily financial transactions, but are a form of financial investment for the future. Today, Bitcoin is worth around $45,000 USD.

     To learn more about crypto currency, tune in to today’s podcast. If you want to experience a more in depth discussion, Bold recommends a course by Securities and Exchange Commission (SEC) Chairman Gary Gensler. Here is the link to the class he gave at the Massachusetts Institute of Technology (MIT) on the subject of crypto before he became SEC chairman: https://ocw.mit.edu/courses/sloan-school-of-management/15-s12-blockchain-and-money-fall-2018/video-lectures/

     “In the course, he dives into the history and technology behind Bitcoin and others, and how it could open up a whole new world of possibilities beyond the financial aspects, just like the internet has opened up a new world reality,” Bold says. “He openly states he is neutral on Bitcoin, and is currently looking at ways to protect investors from scams and fraud.” 

     Today’s show is sponsored by Financial Discipleship Canada and notmine.ca: a place to find resources and conversation about serving and loving God with our finances. To learn more about financial discipleship go to notmine.ca. 

     To learn more about financial fitness seminars and financial accountability, call More Than Enough Financial at 613-520-4157. 

     To contact Bold Kere go to https://www.boldcare.ca/.

Banking on the Future >  Dave and Reb welcome Rev. Ray Borg from Financial Discipleship Canada to their discussion today about “Banking on the Future”. As Canadians navigate the global pandemic, we continue to borrow from tomorrow, to spend money we don’t have today. Some people count on future inheritance, wage increases, or expected bonuses, and spend them before actually seeing the money in their bank accounts. This can cause trouble if the money doesn’t actually come the way we thought. 

     “We can develop a plan, trust and hope in that plan, and then make presumptions about the plan,” Ray says. “Is that fantasy thinking, or is this wisdom? How much energy are we spending on thinking about these plans to attain what we want?”

     Dave and Reb hope that this discussion raises awareness of how marketing and advertising leads us down the path of relying on credit, and banking on the future. Again Dave reminds people to make a plan, and only spend the money when they have it in hand. 

     “We need to keep considering how we are to walk as stewards in these days, with so many distractions drawing our attention away from sound biblical principles around money,” Dave says. 

     Listen to their thoughts and ideas, as they navigate the spiritual and practical connotations of banking on tomorrow. 

     To consider how many ads we see each day, start with this article https://www.bizjournals.com/bizjournals/how-to/marketing/2017/09/do-we-really-see-4-000-ads-a-day.html#:~:text=Do%20we%20actually%20 encounter%204%2C000,like%20TV%2C%20radio%20and%20print.

     Today’s show is sponsored by Financial Discipleship Canada and notmine.ca: a place to find resources and conversation about serving and loving God with our finances. To learn more about financial discipleship go to notmine.ca. To learn more about financial fitness seminars and financial accountability, call More Than Enough Financial at 613-520-4157.

Budget Busters >  “Let’s Talk Money with Dave and Reb” tackles the subject of “Budget Busters” on today’s podcast. After talking with their financial coaching team, Dave and Reb gathered a number of budget busters that can derail our financial journeys, like lack of planning, not sticking to a plan, and “unexpected” spending without an emergency cushion.

“After talking with our financial coaches, I am amazed at how many issues they shared that can derail personal finances,” Reb says. “One of the biggest ones we hear about, again and again, is the lack of planning and tracking of monthly spending.”

     Other issues include:

• loss of salary without adapting regular spending habits to the new salary
• cost of living increases
• spending pressure from social media and marketing
• wanting what our neighbour has, and getting it
• appliances breaking down with no emergency cushion to fall back on
• spontaneous spending on both small and large ticket items
• house renovations that are more costly than anticipated
• hospitality
• vacation spending
• expensive cell phone bills
• back to school fees, clothes, uniforms, and sports fees
• Christmas spending
• lack of preparation and unwillingness to wait

     So many of the items listed here have to do with planning and preparation, and sticking to the plan. For David it all comes back to “plan what you spend, and spend what you plan.”

     One other area critical to planning and spending is inviting God into our financial journeys. What Dave and Reb have discovered is that many people don’t talk to God about their financial challenges or struggles. 

     “This is a key factor in spending plans because God wants to give us His wisdom so we don’t get derailed by opportunities that we haven’t planned for,” Dave says. “God wants us to invite Him into every area of our lives and that includes finances!”

     Listen to today’s show to find out what might be your budget busters, or spending plan triggers. Today’s show is sponsored by Financial Discipleship Canada and notmine.ca: a place to find resources and conversation about serving and loving God with our finances. To learn more about financial discipleship go to notmine.ca. To learn more about financial fitness seminars and financial accountability, call More Than Enough Financial at 613-520-4157.