In this episode of Yahweh’s Money, we’re keeping it real, keeping it holy and keeping it honest. Shay Cook sits down with her sister, salon owner and entrepreneur Montoya Silver for a powerful conversation about debt, faith, and financial freedom.

In this episode, we're diving into the emotional and spiritual weight of financial responsibility, how being uncomfortable is often where God does His best work, and why debt isn’t always a bad thing—it’s a tool that, with the right mindset and stewardship, can lead to generational wealth.

From scaling a business with borrowed funds to paying yourself as a service-based entrepreneur, Montoya shares her unfiltered journey with debt, business ownership, and spiritual alignment.

If you’ve ever felt the anxiety of owing more than you’re earning—or wondered if faith has anything to do with your finances—this episode is your reminder that freedom starts with surrender.

Here’s what you’ll walk away with:

• A reframed perspective: why debt isn’t always bad, but staying in it without a plan is.
• How entrepreneurship tests your faith—and your budget.
• Biblical strategies for finding peace in financial pressure.
• The power of responsible stewardship and spiritual growth.
• How fixed expenses and fluctuating income require both wisdom and faith.
• Why paying yourself is paying your people.
• What it means to be uncomfortable and still obedient.

Featured Scriptures:

• Proverbs 22:7 – “The rich rule over the poor, and the borrower is slave to the lender.”
• Philippians 4:6 – “Be anxious for nothing…”
• Luke 14:28 – “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…”

Action Step:

Choose one debt this month—just one—and make a plan. Whether that means paying it down, refinancing, or simply praying over it with intention, name it and claim your authority over it with God’s help.

Final Word:

Debt may be uncomfortable, but discomfort births growth. When you partner with God, even your financial mess can become a message of freedom.

Send us a text

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Our podcast is proudly sponsored by Crusaders for Change, LLC (C4C) and hosted by our CEO and Founder, Mrs. Shay Cook. At C4C, we provide customized corporate financial wellness programs for businesses, government agencies, and nonprofit organizations. Our services are tailored to create happier, healthier, and more productive work environments. We also empower individuals and couples to overcome debt, improve their credit, boost savings, and more. Ready to learn more about how C4C can impact your life? Contact us today at https://www.crusaders4change.org/!

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Music by: Lamonte Silver - Owner of essentialmusicclub.com | Previously by ROA - roa-music.com