What if the student loan crisis is more than just a financial issue? What if it’s a spiritual one?

In this episode, we unpack a biblical framework for handling money during one of life’s most demanding seasons—raising children, planning for college, investing for retirement, and paying off your home all at once. We walk through the logic behind Baby Steps 4, 5, and 6, and why the order matters more than most people realize.

We also challenge the cultural assumption that debt is simply “part of the college experience.” Is it really wise to borrow tens of thousands before a young person has even earned their first paycheck?

You’ll learn practical strategies to prepare your children for the future without putting them in financial bondage, including:

• How to balance retirement, college savings, and mortgage payoff

• The pros and cons of ESAs, 529 plans, and new Trump Accounts

• Why students should take ownership through scholarships, work, and wise school choices

• How graduating debt-free opens the door to true freedom and service

This episode is about more than money—it’s about stewardship, discipline, and setting up the next generation to live for God without the weight of unnecessary debt.

Freedom isn’t just possible—it’s biblical.