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Pastors & Money Podcast

Pastors & Money Podcast

著者: Joy Suzanne Hunt
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Helping helps pastors, ministry leaders, and churches stop being limited by finances and start thriving financially, using money as a tool to fuel God’s mission in our churches and our families.© 2025 Joy Suzanne Hunt キリスト教 スピリチュアリティ 聖職・福音主義
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  • Breaking Generational Strongholds: Pass Better Money Habits to Your Kids
    2025/12/17
    What if the money struggles you’re facing today aren’t really about your budget—but about patterns passed down from your parents and grandparents? In this powerful conversation with Andy Yoder, Ramsey Preferred Financial Coach and former youth pastor, we explore how generational money habits shape our financial decisions and, more importantly, how to break free and pass better money habits to the next generation. This post may contain affiliate links. They don’t cost you a penny, but they help provide a source of income for this site. For more information, please see our disclosures. Andy shares his own journey from financial stress and credit card anxiety to peace and purpose, revealing how his transformation didn’t just change his marriage—it became a ministry. From parents who never talked about money to emotional spending that masks loneliness, Andy unpacks the hidden patterns that keep families trapped in unhealthy money cycles. Read the Full Transcript. What You’ll Learn Discover practical, age-appropriate ways to teach your kids about money, why your children are watching (even when you think they’re not), and how handling money well opens doors for the gospel. Whether your kids are toddlers or adults, it’s never too late to start building better money habits that will echo through generations. How generational money patterns get passed down (and how to recognize them in your own life)Why financial stress affects every area of life—marriage, parenting, and your relationship with GodThe power of testimony: How one mom in her 50s inspired her adult kids to make radical financial changesPractical ways to teach financial literacy in daily life (with real examples you can use today)Why money problems often reveal deeper needs for community, purpose, and connectionHow to include kids in family financial goals without overwhelming themThe surprising connection between faithful money management and gospel witnessWhy pastors and ministry leaders struggle to talk about their own money challenges Key Quotes “I thought it was too late, but they’re watching. And that was the, it’s the power of a testimony. It’s the power of a changed life.” – Andy Yoder “You’re handling money well, that opens up the doors for the gospel to go forth… the way that I’m handling not my money, but God’s money is, could be a direct result of somebody coming to know Jesus for the first time.” – Andy Yoder “They notice you have conversations about money that aren’t arguments. You know, they notice, oh, oh, there’s a budget meeting. They notice those things, and we don’t always think, but kids pick up on stuff.” – Joy Suzanne Hunt “The most important decisions are the small ones. And that’s where you’re making one small decision at a time.” – Andy Yoder’s mentor About Our Guest Andy Yoder is a Ramsey Preferred Financial Coach who spent years in youth ministry and as an associate pastor before discovering his calling to help families achieve generational financial transformation. After his own journey from financial anxiety to freedom (beginning in 2016-2017), Andy now specializes in helping individuals and couples—especially those in ministry—break free from generational money patterns and build better money habits. His heart for seeing kids stay connected to their faith naturally connects to his passion for helping parents pass on both spiritual and financial wisdom to the next generation. Resources Mentioned Dave Ramsey’s “The Total Money Makeover“Financial Peace UniversityThe Baby Steps Practical Takeaways Teaching Moments to Try This Week: Use junk mail ads to discuss the real cost of financing purchasesGive kids a budget at the fair or store and let them make spending decisionsInclude children in family financial goals with a vision boardDivide allowance into three categories: give, save, spendInvolve kids in Christmas shopping with a set budget per personLet teenagers participate in car shopping discussions (cash only!) For Parents: Track your spending for one week—just observe without judgmentHave one money conversation with your spouse that isn’t an argumentIdentify one money pattern from your childhood you’d like to changeFind one trusted person to talk honestly about your financial challenges Connect with Pastors & Money Email: joy@pastorsandmoney.comInstagram/Facebook: @pastorsandmoneyWebsite: pastorsandmoney.com/podcast The Pastors & Money Podcast helps pastors, ministry leaders, and churches start thriving financially using money as a tool to fuel God’s mission in our churches and families. This post may contain affiliate links. They don’t cost you a penny, but they help provide a source of income for this site. For more information, please see our disclosures.
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  • Beyond Sunday: 7 Strategies to Engage Your Community Through Your Church Building with Loren Richmond
    2025/12/03
    Looking for the Episode Transcript? Episode Description Is your church building sitting empty most of the week while your bills pile up? In this practical conversation with ministry consultant Loren Richmond, Jr., we explore how churches can transform their facilities from financial burdens into thriving community hubs. Loren brings a unique perspective from his years as a pastor, food pantry director, and public housing coordinator. He shares seven creative strategies churches are using to generate revenue while genuinely serving their communities—from music centers and senior ministry programs to emergency response partnerships with utility companies. Discover why the average church size has dropped from 130 to 65 people, how cultural shifts have changed community outreach, and most importantly—how to balance financial sustainability with your church’s mission of creating followers of Jesus. This episode is packed with practical ideas you can implement without losing sight of what matters most. What You’ll Learn Why churches need to rethink their building strategy in today’s financial and cultural climateHow to transform your church building into a music center with lessons, recitals, and performancesCreative ways to serve the growing senior adult population while generating sustainable revenueHow to partner with utility companies for emergency response and crisis ministryThe importance of accounting for true costs—even when donating spaceHow to start slow and set proper boundaries to protect your church’s missionFirst steps to take: pray, survey needs, and assess your resources Key Quotes “The normative size church is 65, so it’s half of what it was [20-30 years ago]. The giving levels just aren’t what they were… So like practically speaking, like the math just doesn’t work.” – Loren Richmond, Jr. “Don’t lose track of what the main thing is… I believe we’re trying to create followers of Jesus here. That being said, find creative ways to engage with our neighbors and reach them where they’re at.” – Loren Richmond, Jr. “We can’t just assume that even though we’re giving space to the Boys and Girls Club or the scouts, there’s a cost to that… It’s gonna be important for us to account for what that cost might be, whether it’s electricity, plumbing, water, wear and tear.” – Loren Richmond, Jr. “You win when you show up. Sometimes showing up looks like making it to the coaching call even when you didn’t do your homework. Sometimes it looks like sitting down for the budget meeting with your spouse.” – Joy Suzanne Hunt About Our Guest Loren Richmond, Jr. is a ministry consultant, pastor, chaplain, and nonprofit leader writing and speaking at the intersection of faith, culture, and church renewal. With more than a decade of leadership in churches and community nonprofits, Loren draws from a deep well of lived experience, both pastoral and practical. He holds an M.Div from Phillips Theological Seminary and an MBA with a nonprofit emphasis from Hope International University. Loren has served in diverse roles from founding pastor to food pantry director to public housing coordinator. He is also the host of the Future Christian Podcast, where he interviews ministry leaders, scholars, and change makers to explore how historic faith can speak meaningfully today. The 7 Strategies Discussed Music Center Ministry – Offers music lessons, hosts recitals and performances, utilizes existing instruments and skilled musicians on staffSenior Adult Ministry Hub – Create socialization spaces, meal programs, and light assistance with daily tasks for the growing 55+ populationEmergency Response Partnerships – Partner with utility companies to serve as cooling/warming centers or emergency response locations during crisesGrant-Funded Community Programs – Develop food programs and other community services that qualify for government or nonprofit grant fundingYouth Ministry Spaces – Address the mental health crisis by creating safe spaces for young people to connect and build relationshipsBusiness Networking Events – Host lunch-and-learns and professional networking groups that serve as valuable “third spaces.”Multi-Purpose Community Hub – Rent to values-aligned organizations like preschools, scouts, AA groups, and sports teams Resources Mentioned Loren’s website: resonatepurpose.orgFuture Christian PodcastThe Church Nerd on SubstackPrevious episode with Ken McQuiller on grant funding for churches Key Takeaways Start with Prayer and Assessment: Pray for God’s directionSurvey needs in your church and neighborhoodTake stock of your physical, human, and financial resourcesLook for the overlap between resources, opportunities, and mission Account for True Costs: Even donated space has costs (utilities, wear and tear, maintenance)Add line items to your budget for space use—even if you’re not chargingWhen necessary, ask organizations to ...
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    28 分
  • Smart Tax Planning for Pastors with Gale Sciascia, EA
    2025/11/19
    Housing Allowances, Reimbursement Plans, and Tax Strategies Every Ministry Leader Needs 00:00:00 – Welcome & Introduction00:01:00 – Ministry Spotlight: The Adams Family in Bolivia00:02:00 – Meet Gale Sciascia: Tax Planning Expert00:04:00 – The Dual Tax Status Challenge Pastors Face00:06:00 – Housing Allowances: Your Most Valuable Tax Break00:07:00 – How Your Church Board Should Approve Housing Allowances00:09:00 – How Housing Allowances Show Up on Your W200:11:00 – Should You DIY Your Ministry Taxes?00:13:00 – Accountable Reimbursement Plans: Stop Paying Tax on Money That Isn\’t Income00:16:00 – Handling Your Wedding and Speaking Income the Right Way00:18:00 – One Proactive Step to Reduce Your Tax Anxiety This Week00:19:00 – Building Tax Tracking Into Your Weekly Routine00:22:00 – Why the IRS Cares So Much About Mileage00:23:00 – Lightning Round: Financial Habits That Make a Difference00:30:00 – Thank You for Listening For the Full Episode Transcript Click Here Ministry Spotlight: The Adams Family in Bolivia Micah and Karissa Adams serve as missionaries to six indigenous tribal groups in the Amazon jungles of Bolivia, using medical outreach and oral Bible storytelling to share the Gospel with communities that have waited over 2,000 years to hear it. Learn more and find out how to support their ministry at pastorsandmoney.com/spotlight. Show Notes Are you leaving money on the table because you don’t understand how ministry taxes work? In this essential conversation with Gale Sciascia—enrolled agent and co-founder of Sasha Tax and Retirement—we break down the tax strategies every pastor and ministry leader needs to know. Gale explains the unique tax situation pastors face: considered an employee for income taxes but self-employed for Social Security and Medicare. This dual status creates confusion and leads to missed opportunities like underutilizing housing allowances, failing to set up proper reimbursement plans, and not planning for self-employment tax. From understanding how housing allowances work whether you live in a parsonage, own your home, or rent, to setting up accountable reimbursement plans that stop you from paying taxes on money that isn’t really income, this episode gives you clear, actionable steps to reduce your tax burden and protect what you’ve earned. Plus, Gale shares the one proactive step you can take this week to transform tax anxiety into confidence. What You’ll Learn Why pastors have dual tax status and what that means for your financesHow housing allowances work and why proper documentation is criticalThe difference between housing allowances for parsonages, owned homes, and rentalsWhat an accountable reimbursement plan is and why every church needs oneHow to handle side income from weddings and speaking engagements correctlyThe biggest documentation mistakes that lead to failed auditsWhy mileage tracking is one of the IRS’s biggest red flagsOne proactive step to reduce tax anxiety and set yourself up for successWhether you should DIY your ministry taxes or hire a specialist Key Quotes “Pastors don’t necessarily understand that they have sort of dual status. So they are considered an employee for income taxes, but self-employed for Social Security and Medicare. And so that tends to raise some confusion for them, and it also leads to some missed opportunities.” – Gale Sciascia “The easiest way to fail an audit or have expenses disallowed and bring on other challenges is not having proper documentation.” – Gale Sciascia “We want you to have [an accountable reimbursement plan] so that you can be reimbursed and it not be included in your income, then you’re not paying tax on a dollar amount that is not really income.” – Gale Sciascia “Don’t wait. Claim your salvation, right? Like, don’t wait until tomorrow. Do it today.” – Gale Sciascia (quoting Pastor Robbie) “Finances are a tool to help you sustain what you’re called to do. We need to keep our mission moving with integrity and balance and use the tools available to us.” – Gale Sciascia About Our Guest Gale Sciascia is a recognized enrolled agent and co-founder of Sasha Tax and Retirement. With over 15 years of experience, Gale helps business owners, professionals, and ministry leaders translate complicated tax code into clear actionable strategies. As a federally licensed tax professional authorized by the United States Department of Treasury, she represents taxpayers before the IRS in all 50 states, handling everything from tax preparation and planning to collections and audits. Her mission is simple: educate, break financial restraints, and transform tax anxiety into wealth-building confidence. Resources Mentioned Shasha Tax and Retirement: shashatr.comPhone: 615-723-1570Mileage tracking apps, like EverlanceQuickBooks for financial trackingMicrosoft Excel for budgeting (Looking for the perfect business spreadsheet?) Documentation ...
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