Generated by All in One SEO v4.9.3, this is an llms.txt file, used by LLMs to index the site. # A.B. Ridgeway Wealth Management ## Sitemaps - [XML Sitemap](https://abrwealthmanagement.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Life After 55: Preparing Emotionally and Financially for Retirement](https://abrwealthmanagement.com/post/life-after-55-preparing-emotionally-and-financially-for-retirement/) - Retirement is something many people spend decades planning for. We contribute to our 401(k)s, monitor the stock market, estimate our Social Security benefits, and dream about the day we finally walk away from work. But here's the reality: the hardest part of retirement often has nothing to do with money. As a financial advisor, I've - [Why Isn't My IRA Growing? The Retirement Mistake Many People Don't Realize They're Making](https://abrwealthmanagement.com/post/why-isnt-my-ira-growing-the-retirement-mistake-many-people-dont-realize-theyre-making/) - "I opened a Roth IRA when I was 54, put $6,000 into it, and just let it sit there because I didn't know you were supposed to invest it." If you've ever wondered why your retirement account isn't growing the way it used to when it was inside your employer's plan, you're not alone. In - [The Retirement Crisis Financial Advisors NEVER Prepared You For](https://abrwealthmanagement.com/post/the-retirement-crisis-financial-advisors-never-prepared-you-for/) - Retirement isn’t just about money. It’s about identity, purpose, and meaning. Learn how to prepare emotionally, spiritually, and financially for life after work. - [Are 401k Retirement Accounts a Scam? Did Grant Cardone and VladTV get it ALL wrong?](https://abrwealthmanagement.com/post/are-401k-retirement-accounts-a-scam-did-grant-cardone-and-vladtv-get-it-all-wrong/) - The article addresses misconceptions about 401k retirement accounts, clarifying that they are not scams but tax-deferred tools for saving. It highlights the importance of understanding tax implications, managing accounts properly, and considering rollovers to optimize retirement outcomes. Working with a financial advisor is essential for informed decision-making and avoiding costly mistakes. - [Is Money the Secret to Happiness? A Financial Advisor’s Perspective](https://abrwealthmanagement.com/post/is-money-the-secret-to-happiness-a-financial-advisors-perspective/) - The discussion explores the complex relationship between money and happiness, emphasizing that while money can alleviate stress and provide stability, it doesn't guarantee fulfillment. Happiness is culturally defined and personal clarity in financial planning is crucial. True happiness stems from within, not solely from income or external benchmarks. - [3 Ways to Spend More in Retirement (Without Running Out of Money)](https://abrwealthmanagement.com/post/3-ways-to-spend-more-in-retirement-without-running-out-of-money/) - A.B. Ridgeway's article emphasizes three strategic methods to enhance retirement finances: fully utilize employer matches for contributions, comprehensively understand all employee benefits, and wisely manage personal retirement accounts. By maximizing these opportunities, retirees can improve their spending power, ensuring a fulfilling and financially secure retirement without confusion. - [Retired? Here Are the 3 Things You Must Do Now to Protect Your Lifestyle and Your Money](https://abrwealthmanagement.com/post/retired-here-are-the-3-things-you-must-do-now-to-protect-your-lifestyle-and-your-money/) - The article by A.B. Ridgeway emphasizes crucial steps to ensure a successful retirement: devise a long-term plan, rebuild your social network, and manage spending wisely. Retirement can pose challenges like loneliness and financial strain, so proactive planning and seeking professional advice are vital to enjoying this new life stage and securing financial stability. - [3 Costly 401k Mistakes New Retirees Make (And How to Avoid Them)](https://abrwealthmanagement.com/post/3-costly-401k-mistakes-new-retirees-make-and-how-to-avoid-them/) - When leaving a job, many Americans forget about their unmanaged 401k, risking financial loss. Common mistakes include not understanding tax implications, withdrawal penalties, and rollover options, which can result in costly penalties and delayed access to funds. Properly managing a 401k is essential for financial security in retirement. - [Is $1 million STILL enough to retire? | Financial Advisor Explains](https://abrwealthmanagement.com/post/is-1-million-still-enough-to-retire-financial-advisor-explains/) - The perception that $1 million ensures a comfortable retirement is outdated due to rising costs and increased longevity. Retirement planning should focus on individual lifestyle needs rather than an arbitrary figure. Factors like the 4% rule, taxes, asset location, and personal circumstances are critical to determining financial readiness for retirement. - [Why You Shouldn’t Wait to Retire: The Hidden Cost of Selling Your Time](https://abrwealthmanagement.com/post/why-you-shouldnt-wait-to-retire-the-hidden-cost-of-selling-your-time/) - Retirement is a deeply personal choice influenced by factors beyond finances, including time, health, and relationships. Delaying retirement can lead to lost opportunities and diminished health. It's crucial to assess what "enough" means for your lifestyle, making retirement a deliberate decision rather than a default. Planning can ease stress and clarify options. - [How do you pick the right investment without taking unnecessary risk? | Retirement and Investment Planning](https://abrwealthmanagement.com/post/how-do-you-pick-the-right-investment-without-taking-unnecessary-risk-retirement-and-investment-planning/) - Investing should focus on aligning strategies with personal goals rather than chasing high returns. Understanding individual needs, risk tolerance, and timelines is crucial for achieving financial objectives. Realistic return expectations reduce stress and enhance long-term success. Goal-based investing promotes better financial planning and decision-making, offering flexibility and predictability for future needs. - [How Much Should You Save for a Down Payment? (Step-by-Step Example)](https://abrwealthmanagement.com/post/how-much-should-you-save-for-a-down-payment-step-by-step-example/) - A.B. Ridgeway discusses a strategic approach to saving for significant expenses like a down payment. By utilizing clear assumptions and realistic planning, individuals can confidently assess and adjust their saving strategies. The article emphasizes the importance of financial clarity, the benefits of investing, and the potential pitfalls of inadequate planning, encouraging readers to seek professional guidance. - [How to Create a Paycheck From Your Investments | Financial Advisor Explains](https://abrwealthmanagement.com/post/how-to-create-a-paycheck-from-your-investments/) - A.B. Ridgeway discusses the importance of calculating retirement income paycheck accurately to ensure financial stability. Using assumptions like inflation and rate of return, he demonstrates that one would need approximately $316,696.71 to withdraw $45,000 annually for eight years. Seeking expert financial advice is essential for effective retirement planning. - [3 Retirement Myths That Will Keep You Broke (And How to Avoid Them) | The Ridgeway Report](https://abrwealthmanagement.com/post/3-retirement-myths-that-will-keep-you-broke-and-how-to-avoid-them-the-ridgeway-report/) - Many Americans face retirement challenges despite following conventional advice to save and rely on Social Security. Myths about the adequacy of Social Security, the tax-free nature of 401(k) accounts, and the safety of savings accounts lead to financial anxiety. Effective retirement planning requires addressing these misconceptions for long-term security and clarity. - [Red Flags in Financial Advisors: How to Spot a Bad Advisor Before It Costs You](https://abrwealthmanagement.com/post/red-flags-in-financial-advisors-how-to-spot-a-bad-advisor-before-it-costs-you/) - Choosing a financial advisor is crucial for guiding your investments. This article highlights red flags to watch for, such as excessive jargon, vague language, and lack of direct advice. Clear communication, education, and mutual understanding are essential for a productive advisor-client relationship, ensuring you make informed financial decisions. - [Why Interest Rates Matter More Than the Price When Taking Out a Loan](https://abrwealthmanagement.com/post/why-interest-rates-matter-more-than-the-price-when-taking-out-a-loan/) - When buying significant items like cars or homes, many focus on price, neglecting the crucial role of interest rates in determining total loan costs. Interest rates can result in paying substantially more over time. Understanding this can lead to better financial decisions and long-term savings, ultimately promoting financial freedom. - [Stop Contributing to Your 401k? | A Financial Advisor Reacts](https://abrwealthmanagement.com/post/stop-contributing-to-your-401k-a-financial-advisor-reacts/) - Thinking about stopping your 401k contributions? Here’s what to know about match rules, fees, and professional guidance before you change anything. - [Don’t Do This: Why Americans Are Cashing Out Their 401ks — and Why It’s So Dangerous](https://abrwealthmanagement.com/post/dont-do-this-why-americans-are-cashing-out-their-401ks-and-why-its-so-dangerous/) - Americans are increasingly cashing out their 401ks, often unaware of the long-term consequences. Rising debt pressures, lack of emergency savings, and confusion during job transitions lead many to raid their retirement funds for urgent expenses. Financial advisors stress the importance of preserving wealth through careful planning and professional guidance. - [Don’t Touch Your 401k When You Leave Your Job (Do This Instead)](https://abrwealthmanagement.com/post/dont-touch-your-401k-when-you-leave-your-job-do-this-instead/) - Americans are cashing out their 401ks at record levels. Not borrowing.Not taking a loan.But wiping them out completely. And most people don’t realize how much damage they’re doing until it’s too late. If you’ve ever thought about touching your 401k after leaving a job — even “just temporarily” — this is a conversation you need - [How Much Can I Safely Withdraw From My 401k in Retirement?](https://abrwealthmanagement.com/post/how-much-can-i-safely-withdraw-from-my-401k-in-retirement/) - Understand 401k withdrawal rules in retirement, how much you can withdraw, tax implications, and strategies to avoid costly mistakes with your retirement account. - [Still Investing Like You’re 40? Why It Can Destroy Your 401k in Retirement](https://abrwealthmanagement.com/post/still-investing-like-youre-40-why-it-can-destroy-your-401k-in-retirement/) - If you are planning to retire soon—or you’ve already retired—this is one of the most important conversations you can have about your money. - [How to Move Your 401k Without Triggering a Huge Tax Bill](https://abrwealthmanagement.com/post/how-to-move-your-401k-without-triggering-a-huge-tax-bill/) - If you recently left your job—or you’re preparing to retire—and you’re worried about triggering a huge 401k tax bill, you’re not alone. Every year, millions of Americans leave their retirement money sitting with a former employer because they’re afraid of making a mistake. They’ve turned in their badge, cleaned out their desk, and moved on - [Stop Buying Cheap Stocks On Apps](https://abrwealthmanagement.com/post/christian-finance-beware-of-buying-cheap-stocks-acceptance-stop-arguing-over-finances/) - Click the Play button below to play the full episode! Faith and finances are deeply personal topics—and when the two collide, emotions can run high. Many investors struggle not only with what to do with their money, but how to talk about it with the people they love. In this episode of Financial Advisors Say - [Never Give Up: Life Strategies That Shaped My Journey as a Financial Advisor](https://abrwealthmanagement.com/post/solomon-tention-podcast-unfiltered-ep7-life-strategies-to-help-you-never-give-up/) - Discover the life strategies that kept me from giving up and led me to become a financial advisor. A story of perseverance, purpose, and faith. - [Trusting God With Your Money: Biblical Stewardship for Debt, Investing, and Retirement](https://abrwealthmanagement.com/post/living-on-a-prayer-leaning-on-gods-provision-to-gain-clients-with-bill-jensen/) - What does the Bible say about debt, investing, retirement, and legacy? Learn biblical stewardship and how Christian advisors serve with wisdom and care. - [How to Spot an Ethical Financial Advisor | What Most Investors Overlook](https://abrwealthmanagement.com/post/the-4-secret-pillars-to-a-solid-financial-foundation/) - Choosing the right financial advisor requires more than just assessing credentials; it demands an understanding of ethics, emotional intelligence, and genuine care for clients. Ethical advisors distinguish facts from opinions, admit their limitations, and prioritize transparency. This article highlights key traits to look for, ensuring a trustworthy advisory relationship for your financial future. - [How Much Should I Invest to Generate Income in Retirement?](https://abrwealthmanagement.com/post/how-much-should-i-invest-to-generate-income-in-retirement/) - New retirees often face the income problem of replacing their salaries without clear guidance. To address this, they should identify their income gap by assessing expenses against guaranteed income sources. Effective retirement planning involves understanding portfolio income generation, considering taxes and market volatility, and seeking a knowledgeable financial advisor for personalized strategies. - [Health, Relationships, Purpose, and Finances: The 4 Pillars of a Successful Retirement](https://abrwealthmanagement.com/post/48-how-to-grow-wellthy-with-stevyn-guinnip-exercise-physiologist-and-certified-wellness-coach/) - Click the PLAY button below to listen to the full episode! Episode theme: You can build “retirement wealth,” but if you don’t protect your health, you may never enjoy it. True planning includes health, relationships, purpose, and finances—not finances alone. Key Scripture 1 Corinthians 6:19–20 — Your body is a temple of the Holy Spirit; - [Why Most Christians Struggle With Retirement Planning—And How to Move From Knowledge to Action](https://abrwealthmanagement.com/post/how-to-bridge-the-gap-between-financial-knowledge-and-financial-execution-a-christian-perspective/) - Written By: A.B. Ridgeway, EA, MBA, CPWA®️ Navigating personal finances can be complex, especially when trying to align your financial decisions with your Christian faith. As a Christian Financial Advisor, I have witnessed countless believers eager to share their knowledge about managing money. They often emphasize the importance of saving for retirement, living within their - [You Don’t Need More Money to Be Free—You Need a Better Financial Plan](https://abrwealthmanagement.com/post/how-to-achieve-financial-freedom-and-contentment-through-a-strategic-financial-plan/) - Written By: A.B. Ridgeway, EA, MBA, CPWA®️ Achieving financial freedom is a dream for many, but it often comes with misconceptions. Many people believe that a higher income will automatically lead to a more fulfilling life. However, true financial freedom is about how you understand, manage, and plan your finances to support the life you - [Do I Really Need a Financial Advisor? A Beginner’s Guide to Investing, Planning, and Confidence](https://abrwealthmanagement.com/post/how-to-overcome-your-fear-and-get-started-with-a-financial-advisor-a-guide-for-new-investors/) - Written by: A.B. Ridgeway, EA, MBA, CPWA®️ Investing can feel like a giant puzzle—especially if you’re new to managing money. Many first-time investors hesitate to work with a financial advisor. You may worry that you don’t have enough money, fear high costs, or even feel embarrassed about not knowing where to start. Let me reassure - [Should Couples Combine Finances? Equality vs. Equity in Marriage and Money](https://abrwealthmanagement.com/post/joint-accounts-vs-beneficiaries-navigating-the-best-financial-options-for-your-loved-ones/) - One of the most common—and emotionally charged—questions couples ask is this: “Should we combine our finances, and if so, what’s fair?” On the surface, the answer seems simple. Love says, “What’s mine is yours, and what’s yours is mine.”But real life, different income levels, and real responsibilities quickly complicate that idea. In this episode of - [Understanding the Fed's Rate Cut: How It Affects Your Mortgage, Car Loan, and Credit Card Debt | Retirement Planning](https://abrwealthmanagement.com/post/the-feds-cut-rates-what-does-this-mean-for-your-house-car-and-credit-cards/) - The Federal Reserve has officially cut interest rates by 0.50%, and while that headline sounds like good news, the real question is this: What does this rate cut actually mean for your money? More specifically: Should you refinance your mortgage? Is now a good time to buy a car? Will credit card debt finally get - [Why Switching Investment Strategies To Get A Market Edge Could Be A Bad Idea- How to Choose a Strategy That Actually Works](https://abrwealthmanagement.com/post/why-switching-investment-strategies-to-get-a-market-edge-could-be-a-bad-idea/) - Today we’re talking about something that hits investors right in the emotions: current events, market hype, and the temptation to chase the next big thing. Many clients are looking for the next Wolf of Wall Street or the newest “stock guru” who promises a market edge with short-term, aggressive moves. The glitz, the glamour, and - [The Dangers Of Picking Cheap Stocks](https://abrwealthmanagement.com/post/the-dangers-of-picking-cheap-stocks/) - You don’t need a lot of money to invest, but with all of these investment apps that give you a portfolio with one click. This low barrier to entry may increase your chances of losing all of your money in the stock market. I know what you are thinking... "I’ll just take my $10 and - [Two Financial Mistakes That Keep Christians Stuck — And How to Fix Them](https://abrwealthmanagement.com/post/christian-retirement-mistakes-to-avoid-do-this-instead/) - Saving is hard.And saving for a day you may not even live to see can feel even harder. But let me tell you the truth: living through an emergency with no money is the hardest thing you will ever do. That kind of pressure doesn’t just hit your bank account. It hits your peace. It - [Tithing in Secret: How to give according to the Bible (Devotional)](https://abrwealthmanagement.com/post/tithing-in-secret-how-to-give-according-to-the-bible/) - Scripture: Matthew 6:4- That thine alms (giving) may be in secret: and thy Father which seeth in secret himself shall reward thee openly. Devotion: Are you struggling with your new found wealth? Are you confused if you should tell the world how wonderful God has been to you financially? Is it appropriate to show the - [Good Debt Vs. Bad Debt: Is Love a Debt? (Devotional)](https://abrwealthmanagement.com/post/good-debt-vs-bad-debt-is-love-a-debt/) - Good Debt vs. Bad Debt: In today's post we discuss what the apostle Paul says about Love and why it is the best type of debt to have! Scripture: Romans 13:8 - Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law. Devotion: Do - [How To Use Your Money For God's Glory (Devotional)](https://abrwealthmanagement.com/post/how-to-use-your-money-for-gods-glory/) - Scripture:- Revelation 4:11 - Thou art worthy, O Lord, to receive glory and honour and power: for thus has created all things, and for thy pleasure, they are, and were created. Wouldn’t you be scared if you saw a beast was like a lion? Another beast like a calf? A third beast who had a - [Prayer is the Key To Eternal Life and Strong Christian Finances (Devotional)](https://abrwealthmanagement.com/post/prayer-is-the-key-to-eternal-life-and-strong-christian-finances/) - Scripture Romans 8:38-39 For I am persuaded, that neither death, nor life, nor angels, nor principalities, nor powers, nor things present, nor things to come, [39] Nor height, nor depth, nor any other creature, shall be able to separate us from the love of God, which is in Christ Jesus our Lord. Devotion: The key - [What does God say about Money? (Devotional)](https://abrwealthmanagement.com/post/what-does-god-say-about-money/) - Scripture: Psalms 119:89- For Ever, O LORD, thy word is settled in heaven Devotional: God’s word has already been confirmed. There is a lot of debate around free will and free choice, but this is not that type of conversation today. We want to speak on the validity of God’s word and how it is - [(#69) Non-Judgment Financial Planning with Shea Newton](https://abrwealthmanagement.com/post/69-non-judgment-financial-planning-with-shea-newton/) - John 1:11 Beloved, do not imitate what is evil, but what is good. The one who does good is of God; the one who does evil has not seen God. Ladies and gentlemen. Our next guest is a certified financial planner, she is also a retirement income certified professional, and the owner of Financial - [Why Are "Greedy" Rich People Giving MORE than Everybody Else?](https://abrwealthmanagement.com/post/why-are-greedy-rich-people-giving-more-than-everybody-else/) - Jim is a tithing Christian who has a loving and supportive family. He just received a promotion and just met his 2nd grandchild who was born last week. As he is approaching retirement he reflects on his wonderful life full of travel, family, and great experiences. This week at church, he was even able to - [What Happens If I Die Without A Will?](https://abrwealthmanagement.com/post/what-happens-if-i-die-without-a-will/) - If a person dies without a Will, that individual has relinquished the right to choose, who will inherit their assets. The estate will go to probate court, and a judge will determine, who is entitled to the assets. It is estimated that 68% of Americans die without a Will. Which means that 68% of Americans - [What the New Overtime Rule Means For Christian Workers](https://abrwealthmanagement.com/post/what-the-new-overtime-rule-means-for-christian-workers/) - Episode Summary: In this episode of "Financial Advisors Say the Darnedest Things," host AB Ridgeway discusses the implications of the new overtime rule introduced by the Department of Labor. This rule aims to ensure fair compensation for Christian workers who often find themselves working long hours for low pay. AB explores the biblical perspective on - [What Happens To My Stuff If I Don't Have a Will?](https://abrwealthmanagement.com/post/what-happens-to-my-stuff-if-i-dont-have-a-will/) - Introduction: Welcome to another episode of Financial Advisors Say the Darndest Things! In this episode, host AB Ridgeway delves into the critical yet often avoided topic of estate planning and wills. With poignant anecdotes and expert insights, we uncover the repercussions of passing away without a will, emphasizing the importance of proactive financial planning. Key - [What Does The Bible Tell Us About God and Money?](https://abrwealthmanagement.com/post/what-does-the-bible-tell-us-about-god-and-money/) - We know what people say about money in the Bible. But what does God actually say about money in the Bible. It doesn't take long before you hear the same three verses about money in the church. Whether it is about tithing, offering, or sacrificing in order to serve the church community. Unfortunately, no one - [What Does Morgan Stanley's Money Laundering Investigation Mean To You?](https://abrwealthmanagement.com/post/what-does-morgan-stanleys-money-laundering-investigation-mean-to-you/) - In the shadowy corners of finance, money laundering is a term that often whispers of crime and deception. But what happens when a towering institution like Morgan Stanley finds itself under the harsh spotlight of federal scrutiny? This is the crux of our latest podcast episode, where we unravel the complexities of anti-money laundering investigations - [Wal-Mart Sued By The Federal Trade Commission For Money Transfer Fraud](https://abrwealthmanagement.com/post/wal-mart-sued-by-the-federal-trade-commission-for-money-transfer-fraud/) - The Federal Trade commission is really cracking down on Walmart for it’s money transfer services. According to the article published by Reuters, The FTC is filing a lawsuit against the retail giant because it alleges that Wal-Mart has not done enough to stop finance fraud through their transfer services such as Western Union and MoneyGram. - [Understanding 401k Contributions: Maximize Your Retirement Savings](https://abrwealthmanagement.com/post/understanding-401k-contributions-maximize-your-retirement-savings/) - Welcome back to another episode of Financial Advisors Say The Darndest Things! In today’s episode, A.B. Ridgeway, a Certified Private Wealth Advisor®️ professional, dives deep into the world of 401k plans. If you’re confused about how much to contribute to your 401k or what makes these accounts tick, you’re not alone. Many investors find retirement - [The Upper Hand Christian Financial Plan](https://abrwealthmanagement.com/post/the-upper-hand-christian-financial-plan/) - Money is not the root of all evil and is actually the key to becoming a good Christian. Jesus sought out and forgave the sinners but despised the hypocrites. It is our responsibility as Christians to financially provide for our children and our grandchildren. What is a good Christian? Money Is The Root of All - [Two Teen Boaters Face Felony Charges After Their Video Goes Viral](https://abrwealthmanagement.com/post/two-teen-boaters-face-felony-charges-after-their-video-goes-viral/) - Episode Summary: Two teen boaters are facing third degree felony charges for pollution after they were caught on video dumping trash into the Atlantic Ocean during a South Florida boating party. In this episode, AB Ridgeway discusses the repercussions faced by two teen boaters drawing parallels between their actions and short-sighted financial decisions, Ridgeway emphasizes - [Tithing: 3 Tips To Be A Cheerful Giver](https://abrwealthmanagement.com/post/tithing-3-tips-to-be-a-cheerful-giver/) - 2 Corinthians 9:7 "Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver." I'm sitting in the car with my son and another car runs the red light and misses our car by 3 feet! As I release the brake and keep going, - [The Secret Millionaire's Playbook: How 401ks are Fueling Wealth](https://abrwealthmanagement.com/post/the-secret-millionaires-playbook-how-401ks-are-fueling-wealth/) - In this blog, learn more about 401ks and the secrets of 401k millionaires: The 401k Millionaire Next Door How 401ks Can Make You a Millionaire The 401k Strategy of the Millionaire Next Door The Power of Starting Early with a 401k Common 401k Mistakes Millionaires Avoid https://13aa73ba-9898-4143-9d80-8b5aae9c7c84.usrfiles.com/html/2b2e4b_d767b483cae16e027c4ea8ac7906fbf4.html The 401k Millionaire Next Door When you think - [The Rise of Supersavers: Mastering 401k Contributions for a Secure Retirement](https://abrwealthmanagement.com/post/the-rise-of-supersavers-mastering-401k-contributions-for-a-secure-retirement/) - https://13aa73ba-9898-4143-9d80-8b5aae9c7c84.usrfiles.com/html/2b2e4b_d767b483cae16e027c4ea8ac7906fbf4.html Every financial crisis has given rise to a generation of "supersavers," individuals who, through diligence and discipline, prioritize saving to ensure a comfortable retirement. From the Great Depression to the 2020 global pandemic, each era has seen people adjusting their financial strategies to avoid falling into the same pitfalls as those who were unprepared. - [The Truth About Tipping Culture in America](https://abrwealthmanagement.com/post/the-truth-about-tipping-culture-in-america/) - Episode Summary: In this episode of Financial Advisors Save the Darndest Things, host A.B. Ridgeway delves into the contentious issue of tipping culture in America. Drawing inspiration from Candace Owens' and others' perspectives, A.B. challenges the societal norms surrounding tipping and examines its implications through a Christian lens. Show Notes: Introduction (00:00:00 - 00:02:26): A.B. - [The Retirement Crisis: Why High Yield Savings Accounts Aren't Enough](https://abrwealthmanagement.com/post/the-retirement-crisis-why-high-yield-savings-accounts-arent-enough/) - https://13aa73ba-9898-4143-9d80-8b5aae9c7c84.usrfiles.com/html/2b2e4b_d767b483cae16e027c4ea8ac7906fbf4.html In the world of personal finance, everyone knows about checking and savings accounts. A checking account to pay your bills and a savings account for rainy days—this has been the financial strategy for decades. However, as financial advisors have been warning for years, this simple approach is no longer enough to secure a comfortable - [The Poor Man and The Rich Fool](https://abrwealthmanagement.com/post/the-poor-man-and-the-rich-fool/) - There once was a homeless man sitting on the sidewalk, propped up against the side of a building. One day, he saw a man in the finest suit he had ever seen. It was a bespoke suit, tailored to his exact proportions. His shoes shined in the sunlight, and he had a smile that couldn't - [The Prosperity Gospel is Selfish, Not Biblical, and Close to a Heresy!](https://abrwealthmanagement.com/post/the-prosperity-gospel-is-selfish-not-biblical-and-close-to-a-heresy/) - One of the highest selling products in the world is HOPE! Every body is selling hope. You hope the new TV you bought provides a better watching experience. You hope that the new car will last longer than your prior car. And you hope that the new job you have brings you the social status - [The Power and Purpose of a Prenup with Kaylin Dillon, CFP®️](https://abrwealthmanagement.com/post/the-power-and-purpose-of-a-prenup-with-kaylin-dillon-cfp️/) - Prenups and divorce are not the same. Prenups have been demonized in the media. We are shown nasty divorces where one spouse is left starving and homeless as the other wallows in all of their greed and wealth, all because of a prenup. This is so wrong on so many levels. As with many financial - [The New 529 Plan Tax-Free "Grandparent Loophole" for College Savings](https://abrwealthmanagement.com/post/the-new-529-plan-tax-free-grandparent-loophole-for-college-savings/) - The world of college funding is ever-evolving. Whether you have adult children, young children, or are a student yourself, the concern of paying for higher education is always looming. But there is some great news for those looking to fund education: The Department of Education has introduced new rules for the Free Application for Federal - [The IRS Plans To Do The UNTHINKABLE With A $50 Billion Tax Loophole for the Wealthy](https://abrwealthmanagement.com/post/the-irs-plans-to-do-the-unthinkable-with-a-50-billion-tax-loophole-for-the-wealthy/) - The IRS is looking to close a tax 'loophole' that has been primarily used by the wealthy. They estimate that they will be able to raise $50 billion in revenue with this change. According to the Associated Press "The proposed rule and guidance announced Monday includes plans to essentially stop “partnership basis shifting” — a - [The New 529 Tax-Free "Grandparent Loophole" for College Savings Just Got Updated](https://abrwealthmanagement.com/post/the-new-529-tax-free-grandparent-loophole-for-college-savings-just-got-updated/) - Episode Summary: In this episode of Financial Advisors Say the Darndest Things, host AB Ridgeway shares insights on the evolving landscape of college planning and the newly revised rules surrounding 529 education savings plans. With changes aimed at making higher education more accessible, Ridgeway discusses the "grandparent loophole" and how it benefits individuals saving for - [Switching Financial Advisors: How to Find a Christian Advisor](https://abrwealthmanagement.com/post/switching-financial-advisors-how-to-find-a-christian-advisor/) - In this episode, A.B. Ridgeway talks about the honeymoon period. The time after the relationship is built. It takes time to learn a person. Don't make your first impression, the only impression. He teaches you to continue courting your advisor and figuring out if it is a good fit or not. Click Here To Start - [Teaching women entrepreneurs how to tap into the transformative power of placing God first](https://abrwealthmanagement.com/post/teaching-women-entrepreneurs-how-to-tap-into-the-transformative-power-of-placing-god-first/) - Episode Summary: Is it okay to make A LOT of money as a Christian? Our special guest Charissa Quade uses The 2nd chapter in Genesis of the Old Testament to prove that God gives us money to make the world a better place. We discuss how the narrative of most believers is that we have - [The $8,000 401k Mistake](https://abrwealthmanagement.com/post/the-8000-401k-mistake/) - Proverbs 24:16 For the righteous falls seven times and rises again, but the wicked stumble in times of calamity. Today, I wanted to talk about mistakes. We all make them. On my LinkedIn profile I wrote a post that said "In everything that we do, we are both the master and the beginner. There are - [The Feds Raise Rates...Again. And The SEC charges their first Broker for Regulation BI violation](https://abrwealthmanagement.com/post/the-feds-raise-rates-again-and-the-sec-charges-their-first-broker-for-regulation-bi-violation/) - The SEC has charged its first brokerage firm with violating the terms of Regulation BI (Best Interest). The SEC's Regulation Best Interest (Reg BI) under the Securities Exchange Act of 1934 establishes a "best interest" standard of conduct for broker-dealers and associated persons when they make a recommendation to a retail customer of any securities - [Suze Orman Calls 4% Rule DANGEROUS for Retirement](https://abrwealthmanagement.com/post/suze-orman-calls-4-rule-dangerous-for-retirement/) - Episode Summary: The primary fear of many Christian investors is running out of money in retirement. In this episode, Ridgeway explores the concept of the 4% retirement rule and its implications in today's economic climate, drawing insights from financial experts like Suze Orman. Key Takeaways: The 4% Retirement Rule: Ridgeway explains the origin of the 4% retirement - [Should you pay off your mortgage? Part 1- Reducing Interest Charges](https://abrwealthmanagement.com/post/should-you-pay-off-your-mortgage-part-1-reducing-interest-charges/) - Proverbs 16:9 The heart of man plans his way, but the Lord establishes his steps Today, we are going to break down a mortgage scenario and combine the 2 mortgage strategies I told you about to save nearly 43% of the mortgage interest on a hypothetical $400,000 house if we bought it today! Ready for - [Should Christian Parents Give Retirement Money to Help Adult Kids](https://abrwealthmanagement.com/post/should-christian-parents-give-retirement-money-to-help-adult-kids/) - In a world where the financial landscape is constantly shifting beneath our feet, the latest podcast episode featuring AB Ridgeway offers an insightful look into a pressing issue – parents spending their retirement savings on their adult children. The episode takes a deep dive into a troubling trend: as the cost of living soars and - [Setting Your Kids Up for Financial Success with a 529 Plan: A Comprehensive Guide for Parents](https://abrwealthmanagement.com/post/setting-your-kids-up-for-financial-success-with-a-529-plan-a-comprehensive-guide-for-parents/) - https://13aa73ba-9898-4143-9d80-8b5aae9c7c84.usrfiles.com/html/2b2e4b_d767b483cae16e027c4ea8ac7906fbf4.html As parents, we bear the immense responsibility of preparing our children not just for the challenges of today, but also for a future that may be vastly different from our own. One of the most crucial aspects of this preparation is ensuring they are set up for financial success. This goes beyond merely providing - [Sean "Puff Daddy" Combs Arrested in Manhattan After FBI Raid](https://abrwealthmanagement.com/post/sean-puff-daddy-combs-arrested-in-manhattan-after-fbi-raid/) - Breaking news hit the financial and entertainment world when Sean “Diddy” Combs was arrested in New York City, marking a new chapter in a year already filled with scandal. If you've been following his saga, you may recall that earlier this year, Diddy's home was raided by the FBI. The public has speculated on what - [Restaurant guests are kicked out because they identify as Christians](https://abrwealthmanagement.com/post/restaurant-guests-are-kicked-out-because-they-identify-as-christians/) - Episode Summary: In this episode, we discuss a distressing incident where a Christian group was denied service at a restaurant due to their religious affiliation. We explore the details of the discrimination faced by the group and reflect on the broader implications of prejudice and injustice. Key Takeaways: Discrimination based on religious affiliation is unjust - [Rosalind Brewer, CEO of Walgreens Boots Alliance Is Stepping Down After 3 Years](https://abrwealthmanagement.com/post/rosalind-brewer-ceo-of-walgreens-boots-alliance-is-stepping-down-after-3-years/) - "We have to self-develop and we have to take control" -CEO Rosalind Brewer It looks like the CEO of Walgreens Boots Alliance, Rosalind Brewer is stepping down after 3 years from one of the most, if not the most, recognized pharmacy chains in the country, according to an article by CNN. Why? In her words...to - [Overcoming Lust: A Christian Approach to Desires and Wealth](https://abrwealthmanagement.com/post/overcoming-lust-a-christian-approach-to-desires-and-wealth/) - Show Notes: Join A.B. Ridgeway, MBA, CPWA®️, your friendly neighborhood Christian financial advisor, as he delves into thought-provoking discussions about finances, faith, and life. In this episode, A.B. challenges the conventional understanding of lust, taking it beyond the realm of sexual desire to explore its implications on our pursuit of wealth and success. Drawing from - [Patrick Bet-David (PBD) Discusses The Dangers of Buy Now Pay Later Programs"](https://abrwealthmanagement.com/post/patrick-bet-david-pbd-discusses-the-dangers-of-buy-now-pay-later-programs/) - Introduction: Americans have reached the $1 trillion mark in debt. In this episode of Financial Advisors, say the darndest things, AB Ridgway exposes the alarming business practices behind the surge in consumer debt. Discover why individuals are falling into the trap of buy now pay later programs and how to avoid financial pitfalls this holiday - [Put Your Money In The Heavenly Bank with These Scriptures (Live Sermon)](https://abrwealthmanagement.com/post/put-your-money-in-the-heavenly-bank-with-these-scriptures-live-sermon/) - In this episode, A.B. Ridgeway, a Certified Private Wealth Advisor®️ professional, delves into the concept of patience as it relates to financial planning resources and investing, drawing insights from biblical principles. He emphasizes the importance of long-term investing over get-rich-quick schemes, highlighting the need for patience and faithfulness in financial stewardship. AB discusses four key - [Protecting Yourself from Online Scams: Lessons Learned from Anthony O'Neil's Experience](https://abrwealthmanagement.com/post/protecting-yourself-from-online-scams-lessons-learned-from-anthony-oneils-experience/) - Description: In this episode, we delve into a cautionary tale of online deception as Anthony O'Neil recounts his recent encounter with scammers attempting to defraud him of $40,000. Despite his familiarity with online platforms, Anthony found himself ensnared in a sophisticated scheme that nearly cost him dearly. Join us as we dissect the story and - [Navigating Wealth and Wisdom with Jesus: Insights from a Christian Financial Advisor](https://abrwealthmanagement.com/post/navigating-wealth-and-wisdom-with-jesus-insights-from-a-christian-financial-advisor/) - Episode Description: In this enlightening episode of "Financial Advisors, Say the Darnedest Things," host AB Ridgeway delves into the story of the rich man in Jesus, challenging common misconceptions and providing fresh financial insights. Exploring the intersection of wealth and spiritual stewardship, Ridgeway navigates the nuances of financial abundance, biblical wisdom, and eternal aspirations. Key - [New Rule Protects Christian Retirement Saver's Interest](https://abrwealthmanagement.com/post/new-rule-protects-christian-retirement-savers-interest/) - Episode Summary: In this episode of "Financial Advisors Say the Darnedest Things," host AB Ridgeway discusses the recent updates announced by the Biden-Harris administration regarding rules aimed at protecting retirement savers' interests. The Department of Labor's revised definition of fiduciary aims to ensure that financial advisors prioritize their clients' best interests. AB explores the implications - [No Parties in LA: Airbnb Places Permanent Bans on Parties](https://abrwealthmanagement.com/post/no-parties-in-la-airbnb-places-permanent-bans-on-parties/) - No more parties in LA. Air BnB announces a permanent ban on parties. According to the news outlet Reuters, Air BnB Inc plan of making a permanent ban on its parties in homes listed on its platform since a sharp drop in reports of unauthorized gathering since the prohibition was put in place in August - [Navigating Emergency Withdrawals from Your 401k: What You Need to Know](https://abrwealthmanagement.com/post/navigating-emergency-withdrawals-from-your-401k-what-you-need-to-know/) - https://13aa73ba-9898-4143-9d80-8b5aae9c7c84.usrfiles.com/html/2b2e4b_d767b483cae16e027c4ea8ac7906fbf4.html Life can be unpredictable, and when emergencies arise, finding the necessary funds can be challenging. But should your 401(k) be your first option for quick cash? When faced with unexpected expenses, people often consider dipping into their savings, using a credit card, or even borrowing from friends and family. However, a growing number of - [Navigating Market Risks: Trying To Control The Uncontrollable and Other Bad Investment Strategies](https://abrwealthmanagement.com/post/navigating-market-risks-trying-to-control-the-uncontrollable-and-other-bad-investment-strategies/) - In the complex world of investing, managing market risk is crucial. As investors, we must grapple with uncertainties influenced by a wide range of factors. While we can’t control all these factors, we can strategically manage our approach to mitigate their impact. This blog delves into what market risk is, how it affects investments, and - [Navigating Retirement in Your 60s as a Christian Investor](https://abrwealthmanagement.com/post/navigating-retirement-in-your-60s-as-a-christian-investor/) - Show Notes: Episode Description: In this episode, AB Ridgeway, your mom's favorite Christian financial advisor, explores the intricacies of retiring in your 60s as a Christian investor. Drawing from a comprehensive report by Market Watch and infusing personal insights, AB unpacks the shifting landscape of retirement planning. Discover why the 60s are becoming the new - [Navigating Medical Open Enrollment: A Christian Approach to Health](https://abrwealthmanagement.com/post/navigating-medical-open-enrollment-a-christian-approach-to-health/) - Yes, it's that time of the year again! Imagine it's Monday morning, you're tired from the weekend, and you open your email to see the dreaded message: Open Enrollment. Your heart starts racing, and confusion sets in as you try to recall the name of your insurance coverage—Blue Cross? Blue Shield? Why Do We Procrastinate - [Maximizing Your 401k: Understanding Contributions, Withdrawals, and Tax Implications](https://abrwealthmanagement.com/post/maximizing-your-401k-understanding-contributions-withdrawals-and-tax-implications/) - What is a 401K? The Importance of Employer Matching 401k Contributions Key Considerations Before Contributing to Your 401K Case Study: An Emotional 401k Decision Gone Wrong Steps for a Successful 401k Rollover The average contribution into a 401K plan held by Fidelity, according to a study done in 2018, was 13.2%. Many Christian investors are - [Master These 4 Steps To Create A Christian Retirement Plan](https://abrwealthmanagement.com/post/master-these-4-steps-to-create-a-christian-retirement-plan/) - https://www.youtube.com/embed/WJ_RITyiIEo?autoplay=0&mute=0&controls=1&origin=https%3A%2F%2Fwww.abrwealthmanagement.com&playsinline=1&showinfo=0&rel=0&iv_load_policy=3&modestbranding=1&enablejsapi=1&widgetid=1&forigin=https%3A%2F%2Fwww.abrwealthmanagement.com%2Fpost%2Fmaster-these-4-steps-to-create-a-christian-retirement-plan&aoriginsup=0&gporigin=https%3A%2F%2Fwww.abrwealthmanagement.com%2Fblog%2Fpage%2F3&vf=4 Today, we're going to have a quick discussion on the four pillars of Christian investing. I get this question a lot: What's the difference between Christian investing and traditional investing? Well, let's dive right in. There's not much difference except for one key element, which I'll share with you at the very end. These - [Navigating Christian Nationalism: Understanding Its Impact on Faith and Society](https://abrwealthmanagement.com/post/navigating-christian-nationalism-understanding-its-impact-on-faith-and-society/) - Show Notes: Welcome to another enlightening episode of Financial Advisors Say the Darndest Things, where we equip you to prosper in spirit and action. Hosted by A.B. Ridgeway, this podcast dives deep into the complexities of Christian nationalism and its significance in today's world. In this episode, A.B. Ridgeway unpacks the concept of Christian nationalism - [Mark Willis, CFP®️: Banking on Yourself and Getting out of debt](https://abrwealthmanagement.com/post/mark-willis-cfp️-banking-on-yourself-and-getting-out-of-debt/) - You want to protect your family but you don’t know where to start. What happens, if something happens to you? What if I told you, you can transfer some of that risk? What if there was a way that you would be able to protect your family and still live the retirement that you dreamed - [Jobs In Retirement: Some say they will NEVER retire](https://abrwealthmanagement.com/post/jobs-in-retirement-some-say-they-will-never-retire/) - Is this the beginning of the forever job? Many retirees are choosing to work, over staying at home. This may seem bizarre but the idea of "retiring" is actually a new phenomenon less than 100 years old. No more assistant living for these individuals. According to a blog post by Get Rich Slowly they highlighted - [Key Frequently Asked Questions Christian Financial Advisors Should Ask Before You Invest With Them](https://abrwealthmanagement.com/post/key-frequently-asked-questions-christian-financial-advisors-should-ask-before-you-invest-with-them/) - Understanding Decision-Making Forecasting Life Changes Prioritizing Non-Financial Goals Evaluating Past Experiences Embracing Divine Timing Do you remember your first job interview? You were so excited, that you ironed your clothes the night before, you arrived at the meeting 30 minutes early, and you spent your time in the lobby reviewing your resume and the job - [Is Managing Your Own Finances Hard?](https://abrwealthmanagement.com/post/is-managing-your-own-finances-hard/) - Managing your finances is hard...well at first. But just like riding a bike, you may fall a couple of times, but soon you can ride and just enjoy the scenario instead of worrying if you are going to fall again. Here we break down some tips to make your experience easier. - [Is the NEW Costco Food Court Rule for Non-Members too STRICT?](https://abrwealthmanagement.com/post/is-the-new-costco-food-court-rule-for-non-members-too-strict/) - A.B. Ridgeway delves into the recent changes in Costco's food court policy and its implications for both members and non-members. As Costco tightens its membership requirements to access food court deals, A.B. explores the economic reasoning behind this decision and its potential impact on consumers. Key Takeaways: Costco's Membership Strategy: A.B. outlines Costco's strategy of - [Is it a good time to get out of the market?](https://abrwealthmanagement.com/post/is-it-a-good-time-to-get-out-of-the-market/) - Many investors have their heads in their hands and they are crying right now. This year has been one for the history books. It has been a struggle to navigate the market trying to find profits, as even the bond market is not safe to run to. I know it is nearly Halloween but no - [How To Find Lost Money: Claiming your Unclaimed Property](https://abrwealthmanagement.com/post/how-to-find-lost-money-claiming-your-unclaimed-property/) - Have you ever lost a $20 bill and you started to feel sick to your stomach? What if I told you that there are billions of dollars of ‘unclaimed property’ held at the state level and some of your money and property, may be there. According to some statistics there is $49.5 Billion worth of - [Is Investing In A Roth or Traditional IRA the NEW Millionaire Shortcut?](https://abrwealthmanagement.com/post/is-investing-in-a-roth-or-traditional-ira-the-new-millionaire-shortcut/) - In this episode of "Financial Advisors Say the Darndest Things," host AB Ridgeway explores the potential of Individual Retirement Accounts (IRAs) in helping individuals achieve millionaire status. While many Americans seek security in retirement through IRAs, AB delves into whether solely relying on them can lead to millionaire status. Through insightful analysis and examples, AB - [How to Pick a Christian Financial Advisor](https://abrwealthmanagement.com/post/how-to-pick-a-christian-financial-advisor/) - Thinking about hiring a financial advisor? There are a few things that you need to consider before you pull the trigger. Listen to A.B. Ridgeway as he explains some of the qualities that you want to look for in a financial advisor that you are going to trust your life savings with. Subscribe and Receive - [How To Financially Prepare For Your Death](https://abrwealthmanagement.com/post/how-to-financially-prepare-for-your-death/) - We all are going to die. But not all of us are preparing our families for it. And that is just sad. If you are not prepared, they will have to carry that burden on top of their already hard life, including grieving over someone they loved. So preparing for death is not just spiritual, - [How To Become A Millionaire With A Low Income from a Christian Perspective](https://abrwealthmanagement.com/post/how-to-become-a-millionaire-with-a-low-income-from-a-christian-perspective/) - Introduction: In this episode of "Financial Advisors Say the Darndest Things," host AB Ridgeway delves into the myth that millionaires inherit their wealth and reveals how anyone can achieve millionaire status regardless of their background. He breaks down three key levers to reaching a million dollars and challenges common misconceptions about wealth accumulation. Key Takeaways: - [How to Create Effective Financial Affirmations Based on the Wisdom in the Book of James](https://abrwealthmanagement.com/post/how-to-create-effective-financial-affirmations-based-on-the-wisdom-in-the-book-of-james/) - Introduction: In this episode, we explore the intersection of faith and financial affirmations, uncovering the importance of aligning our affirmations with God's will and present actions. Drawing from the teachings of James in the Bible, we learn how to cultivate effective affirmations that lead to tangible results in our lives. Join us as we navigate - [How to Choose A Reliable Christian Financial Advisor](https://abrwealthmanagement.com/post/how-to-choose-a-reliable-christian-financial-advisor/) - Take Care of You and Your Family First What is Christian Financial Advisor? What is the Purpose of Christian Financial Planning? How do you know if you have a good Christian Financial Advisor? How do I choose between two good Christian Financial Advisors? What are some qualities that I should look for when choosing a - [How Much Can I Contribute to a 401k? Understanding the Ins and Outs of 401k Contributions](https://abrwealthmanagement.com/post/how-much-can-i-contribute-to-a-401k-understanding-the-ins-and-outs-of-401k-contributions/) - When it comes to retirement planning, many people are confused about the different types of accounts available, especially when it comes to the 401k. Most investors might not even know the difference between a 401k and an IRA, let alone how much they can contribute to one. But not you—you’re here, and you’ve taken the - [How This NFL Star "Ocho Cinco" Budgeted 83% of Salary](https://abrwealthmanagement.com/post/how-this-nfl-star-ocho-cinco-budgeted-83-of-salary/) - In a viral clip, Chad "Ocho Cinco" Johnson explains why he budgeted nearly 83% of his salary from the NFL. As a multi-millionaire, he speaks to the insecurities and our need for validation that causes us to spend money unnecessarily. This clip was so viral the Dave Ramsey show picked it up and in this - [How Do Christian Financial Advisors Get Paid?](https://abrwealthmanagement.com/post/how-do-christian-financial-advisors-get-paid/) - For what advisors do, the value can far exceed the cost. So that is a good thing. Now, advisors are more affordable than ever. With so many ways to engage an advisor, you can pick a price range and fee schedule that fits your budget. A.B. Ridgeway encourages every one to do their due diligence - [High-Level Success and Mental Health: The Fandango Founder’s Heartbreaking Story](https://abrwealthmanagement.com/post/high-level-success-and-mental-health-the-fandango-founders-heartbreaking-story/) - Fandango Founder Found Dead It looks like a 64-year-old man jumped to his death from a luxury New York hotel. It's being reported that on Tuesday, a man plunged from room 28 on the 20th floor of the Kimberly Hotel on East 50th Street near Lexington Avenue in New York and landed on the third-floor - [Free Christian Financial Planning Resources](https://abrwealthmanagement.com/post/free-christian-financial-planning-resources/) - You have searched for a Christian Financial Advisors but each one wants you to schedule a consultation. Unfortunately, you need to find a way to separate who you are going to work with from those who aren't worth your time. Because we all know...time is money. And you don't have time to block off 30 - [Full Retirement Age Mistakes: Forgetting To Do This With Your Accounts](https://abrwealthmanagement.com/post/full-retirement-age-mistakes-forgetting-to-do-this-with-your-accounts/) - Episode Description: Join host A.B. Ridgeway as he delves into a crucial yet often overlooked aspect of financial planning: account titling. In this eye-opening episode, A.B. sheds light on how improper account titling can lead to unexpected consequences, even in the context of estate planning and inheritance. Drawing from real-life scenarios and biblical principles, learn - [From Pastor To Podcaster: Carey Green Explains the Power of the Voice To Spread God's Gospel](https://abrwealthmanagement.com/post/from-pastor-to-podcaster-carey-green-explains-the-power-of-the-voice-to-spread-gods-gospel/) - What do you do after 20 years of faithful servitude to God through church ministry and God leads you down a different path? How do you balance business and the pursuit of profit with faith? And is the church the only way to do God’s work? Our next guest is here to tell you the - [Finding the Lion Within Us W/ Chris Grainger](https://abrwealthmanagement.com/post/finding-the-lion-within-us-w-chris-grainger/) - Today we will discuss: 🦁 Why society has made it almost impossible for men to express themselves 🦁 Finding a community of men who fully understand your trials and tribulations 🦁 How mastering your finances can add stability to an already volatile world Be sure to check out The Lion Within Us to find out - [Financial Advice for Powerball Winners: What to Do After Hitting the Jackpot](https://abrwealthmanagement.com/post/financial-advice-for-powerball-winners-what-to-do-after-hitting-the-jackpot/) - CONGRATULATIONS!!!!! You just won the $1.9 Billion Lottery! Your heart is racing, your palms are sweaty, and you are hoarse from screaming around the house. Your life will be changed forever! You can't help but think of all the things you are going to do with the money. You are a billionaire! You turn in - [Faith-Driven Financial Wisdom: Transforming Lives through Faith and Finance](https://abrwealthmanagement.com/post/faith-driven-financial-wisdom-transforming-lives-through-faith-and-finance/) - Introduction: Welcome back, I'm A.B. Ridgeway, known as Mr. Christian Finance, the host of "Financial Advisors Say The Darndest Things" and a trusted resource for Christian financial advice. If you're seeking a deeper purpose, less financial stress, a closer connection to God, freedom from selfishness and money, and guidance on faithful stewardship, you're in the right - [Finding A CERTIFIED FINANCIAL PLANNER™️ For Busy Christian Business Executives featuring Nic Nielsen, CFP®️](https://abrwealthmanagement.com/post/finding-a-certified-financial-planner️-for-busy-christian-business-executives-featuring-nic-nielsen-cfp️/) - You can do anything you put your mind to. But unfortunately, finances is not one of your strengths. You are a business executives and have done everything correctly in your life. You went to school, you achieved high marks, you graduated, got married, landed a great job, had kids, and you are now an executive - [Fear of Recession Grows Amongst Investors](https://abrwealthmanagement.com/post/fear-of-recession-grows-amongst-investors/) - Today, we are talking about Fear. Yes...Fear. Fear is defined as an unpleasant emotion caused by the belief that someone or something is dangerous, likely to cause pain, or a threat. Now, this is the denotation. Or the dictionary definition of the word. And in this definition, we see the word, BELIEF. Belief is defined - [Embracing Financial Challenges with Cary Carbonaro, CFP®️](https://abrwealthmanagement.com/post/embracing-financial-challenges-with-cary-carbonaro-cfp️/) - Welcome back to the show! In this episode, we delve into the importance of maintaining a long-term perspective in finance and how women can empower themselves to take control of their financial futures. Key Points: Long-Term Perspective: Financial planning isn't just about the present; it's about laying a foundation for the future. Whether you're 18 - [Do You Feel Like A Financial Failure?](https://abrwealthmanagement.com/post/do-you-feel-like-a-financial-failure/) - Failure Is An Illusion Do you feel like a failure? Well, don't. We all experience losses.... Even me. I posted these declination emails because I was inspired by a young man by the name of Matthew Harrington who recently reached out to me about how to get into the financial industry. And in Christian fashion, - [Eve's First Sin in the Bible Explained](https://abrwealthmanagement.com/post/eves-first-sin-in-the-bible-explained/) - The devil is stopping you from being happy with your finances. In the book of Genesis after God creates heaven and earth, he gives a command to Adam that he can eat of every tree in the Garden except the Tree of Good and Evil. The Power of Perception Seeking Guidance Discerning Half-Truths Seasons of - [Does tithing in the Bible make financial sense?](https://abrwealthmanagement.com/post/does-tithing-in-the-bible-make-financial-sense/) - Many Christians have been tithing since the first time their parents put a quarter in their hand and told them to put it in the basket when the usher passes it to them. But as we age, do we really know why we tithe? Are we supposed to tithe? We are going to take a - [Dave Ramsey Doesn't Understand Safe Withdrawal Rates in Retirement Planning?](https://abrwealthmanagement.com/post/dave-ramsey-doesnt-understand-safe-withdrawal-rates-in-retirement-planning/) - Recently, financial expert Dave Ramsey made headlines with his advice on how to safely withdraw funds from your investment accounts during retirement. While Ramsey is well-known for his financial wisdom, this time, his advice may do more harm than good. In this episode of Financial Advisors Say the Darndest Things, I, A.B. Ridgeway, delve into - [Dave Ramsey Caller Asks If He Should LEAVE His Girlfriend After Getting Rich?](https://abrwealthmanagement.com/post/dave-ramsey-caller-asks-if-he-should-leave-his-girlfriend-after-getting-rich/) - Episode Summary: You're just coming off of divorce you're rebuilding your life. You find somebody that you love and you care about, you build a relationship for seven years, your business takes off to gain $1.5 million, and you are thinking of ending it. On the Dave Ramsey show, a caller is wondering if the financial - [Did Dave Ramsey Caller STEAL his family's inheritance?](https://abrwealthmanagement.com/post/did-dave-ramsey-caller-steal-his-familys-inheritance/) - https://www.youtube.com/embed/HLAulbDbXgY?autoplay=0&mute=0&controls=1&origin=https%3A%2F%2Fwww.abrwealthmanagement.com&playsinline=1&showinfo=0&rel=0&iv_load_policy=3&modestbranding=1&enablejsapi=1&widgetid=1&forigin=https%3A%2F%2Fwww.abrwealthmanagement.com%2Fpost%2Fdid-dave-ramsey-caller-steal-his-family-s-inheritance&aoriginsup=0&gporigin=https%3A%2F%2Fwww.abrwealthmanagement.com%2Fblog%2Fpage%2F6&vf=6 Episode Summary: In this episode, Dave Ramsey addresses a listener's dilemma after inheriting money from their deceased brother. The listener's brother had named them and their eldest son as beneficiaries, causing tension with the deceased brother's children who feel entitled to the money. Ramsey offers insights into the importance of proper estate planning and - [Christianity Lite- Are We Practicing A Watered-Down Gospel?](https://abrwealthmanagement.com/post/christianity-lite-are-we-practicing-a-watered-down-gospel/) - Episode Summary: In this episode of "Financial Advisors Say the Darndest Things," host A.B. Ridgway discusses the pervasive trend of diluting Christianity, paralleled with the commercialization of "lite" versions of various products. Drawing from Glenn Berto's book "Christianity Liked: Stop Drinking a Watered Down Gospel," Ridgway emphasizes the necessity of returning to the authentic gospel - [Credit Card Debt is Stopping You From Your Blessings? How To Get Control Back](https://abrwealthmanagement.com/post/credit-card-debt-is-stopping-you-from-your-blessings-how-to-get-control-back/) - Episode Summary: In this episode of "Financial Advisor Says the Darndest Things," A.B. Ridgeway delves into the concerning trend of rising credit card spending, as reported by Yahoo! Finance. Despite initial declines during the pandemic, credit card debt is now on the rise again, indicating a return to pre-pandemic spending habits. A.B. discusses the psychological - [Condoleezza Rice shuts down RACE BAITS from Whoopi Goldberg and 'The View'](https://abrwealthmanagement.com/post/condoleezza-rice-shuts-down-race-baits-from-whoopi-goldberg-and-the-view/) - In this captivating segment, Condoleezza Rice, renowned diplomat and former Secretary of State, dismantles prevailing viewpoints with eloquence and insight. Her measured responses to pressing issues such as the events of January 6th and the complexities of race relations offer a refreshing perspective grounded in intelligence and experience. Rice's remarks underscore the importance of moving - [Central Church Pastor in Charlotte Calls Trump Bible Blasphemous](https://abrwealthmanagement.com/post/central-church-pastor-in-charlotte-calls-trump-bible-blasphemous/) - (00:00) Former President Donald Trump began selling a Bible with the nation's founding documents (07:40) Ab Ridgway: There's hypocrisy when you talk about church and state In a world where the lines between church and state blur, the sale of 'God Bless the USA Bibles' by a former president has ignited a fiery conversation about - [Candace Owens is issued a GAG order by Ben Shapiro and the Daily Wire Over Debate](https://abrwealthmanagement.com/post/candace-owens-is-issued-a-gag-order-by-ben-shapiro-and-the-daily-wire-over-debate/) - Episode Summary: In this episode, AB Ridgeway delves into the controversy surrounding Candace Owens' firing from the Daily Wire and the subsequent gag order imposed on her. He explores the implications of this situation and invites listeners to reflect on the underlying motivations behind such actions. Key Takeaways: Freedom of Speech vs. Silencing: The case of - [Candace Owens Speaks on Christian Nationalism and Financial Resilience in a Divided World](https://abrwealthmanagement.com/post/candace-owens-speaks-on-christian-nationalism-and-financial-resilience-in-a-divided-world/) - Show Notes: Join host Ridgeway on "Financial Advisors Say the Darndest Things," the go-to Christian finance podcast, as he delves into the controversial topic of Christian nationalism and its implications for believers. In this episode, Ridgeway addresses the recent attacks on public figures like Candace Owens who is a black conservative and Justin Bieber, highlighting - [Catholicism: How To Put God First with Tyler Hackenberg, CFP®️, EA](https://abrwealthmanagement.com/post/catholicism-how-to-put-god-first-with-tyler-hackenberg-cfp️-ea/) - (#93) Going Out into the Deep with Tyler Hackenberg: A Catholic Financial Planner Episode Summary: Tyler Hackenberg of Drexel Day Financial joins us to talk everything about Catholicism and Investing. We explore: How Christian Executives can change the world by teaching Christ-like ethics How Christian Executives can build wealth in the marketplace to support missions - [Cash Gifts To Your Family Could Be Taxable](https://abrwealthmanagement.com/post/cash-gifts-to-your-family-could-be-taxable/) - Ever since I was a little kid, I have given money as gifts to my friends and family. Sometimes, people go through some tough times, a loss of a family member, medical bills, or just something to hold them over until they get paid the next week. As a Christian and a believer, you have - [Building a Spiritual Legacy Through Financial Stewardship](https://abrwealthmanagement.com/post/building-a-spiritual-legacy-through-financial-stewardship/) - Scripture: Joshua 1:8 “This book of the law shall not depart out of thy mouth; but thou shalt meditate therein day and night, that thou mayest observe to do according to all that is written therein: for then thou shalt make thy way prosperous, and then thou shalt have good success.” Reflection: As you embark - [Bill Clinton's HUSH MONEY to Paula Jones allegation resurface during Trump's Trial](https://abrwealthmanagement.com/post/bill-clintons-hush-money-to-paula-jones-allegation-resurface-during-trumps-trial/) - In the latest episode of our thought-provoking podcast, we tackle the controversial topic of hush money within the realm of American politics. The episode opens with a bold statement: "Now I know you lying there's a lot of fake news going out there." This sets the tone for a deep dive into the legal and - [Building a Financial Plan From Scratch](https://abrwealthmanagement.com/post/building-a-financial-plan-from-scratch/) - Colossians 3:2 Set your minds on things that are above, not on things that are on earth. From the Desk of A.B. Ridgeway: My eyes are getting blurry, my hands are throbbing, and I'm running out of breath. I had been up for 27 hours at this point and my body was letting me know - [Bible Study: How To Achieve Financial Contentment and Spiritual Prosperity](https://abrwealthmanagement.com/post/bible-study-how-to-achieve-financial-contentment-and-spiritual-prosperity/) - Many investors grapple with the notion that money is inherently evil and that poverty is synonymous with piety, believing that the less money they possess, the more righteous they are. However, if you’re reading this, it’s likely you don’t subscribe to that belief. Instead, you follow the teachings of A.B. Ridgeway, known as Mr. Christian - [Avoiding The 'Vacation Debt' Cycle](https://abrwealthmanagement.com/post/avoiding-the-vacation-debt-cycle/) - According to a survey by WalletHub, 46% of Americans are still paying off a credit card balance from a vacation they took last summer. If your vacation cost $2,000 with a 27% interest rate, you paid roughly $300 more for that same vacation. Think about it—what could you do with an extra $300 besides giving - [Benny Johnson EXPOSES the Truth Behind Candace Owens and the Daily Wire Gag Order](https://abrwealthmanagement.com/post/benny-johnson-exposes-the-truth-behind-candace-owens-and-the-daily-wire-gag-order/) - Episode Summary: In this episode, AB Ridgeway discusses the recent controversy surrounding Candace Owens' departure from the Daily Wire, shedding light on the reported gag order imposed by the conservative outlet. Owens' call for a debate with Ben Shapiro seemingly triggered this response, revealing underlying tensions and ideological clashes within the organization. Key Takeaways: The - [Are You Making More Money But Still Worried About Your Investments?](https://abrwealthmanagement.com/post/are-you-making-more-money-but-still-worried-about-your-investments/) - Matthew 4:19 And he said to them, “Follow me, and I will make you fishers of men.” From the Desk of A.B. Ridgeway: Sometimes my loneliness gets the best of me. I sit in my dark room, with my head down, and just think. I wonder why God has placed me on this path alone. - [Are My Kids Too Young To Teach About Finance? How Young is Too Young?](https://abrwealthmanagement.com/post/are-my-kids-too-young-to-teach-about-finance-how-young-is-too-young/) - We all have ages we want to teach our kids about driving, about dating, and even about what really happens in college. But why don't we have an age when we talk about finances? In this video A.B. Ridgeway discusses his Top 5 Lesson Kids Should Know About Finances. 1. With patience, anything is affordable. - [A God Shift Podcast: Authority in Your Finances](https://abrwealthmanagement.com/post/a-god-shift-podcast-authority-in-your-finances/) - A.B. Ridgeway shares investing wisdom for beginnings in an easy to understand way. How to combine our love for God with our love for money. I know many of you may have a post-Valentine's Day hangover...or at least your wallet does. And that is alright because I have another surprise for you. I am sending - [A Family That Gives Together, Stays Together](https://abrwealthmanagement.com/post/a-family-that-gives-together-stays-together/) - A Christian family supports each other Communication Breakdown The Christian Family That Gives Together, Stays Together Values Over Organizations Hebrews 13:16- Giving pleases God Conclusion A Christian family supports each other With a family of six, people ask me if things are more difficult. Unfortunately, I have to admit that it is actually EASIER. Yes, - [7 Money Lies You are Believing Right Now](https://abrwealthmanagement.com/post/7-money-lies-you-are-believing-right-now/) - Subscribe Therapists often emphasize that how we think and act today is heavily influenced by how we were raised. Growing up, busy work schedules and numerous school activities made it impossible for parents to be around their kids 24/7. Even today, as parents of adult children and grandparents, it's still hard to monitor everything they're - [4 Principles Jesus Taught Christians About Money](https://abrwealthmanagement.com/post/4-principles-jesus-taught-christians-about-money/) - Episode Summary: In this episode A.B. Ridgeway explores biblically-based financial philosophies derived from Matthew chapter 15, verses 11 through 14. He emphasizes the significance of intentions and actions over traditions, highlighting the importance of using wealth for good. Through anecdotes and biblical references, Ridgeway navigates the complexities of financial stewardship and ethical investing. Key Takeaways: - [5 Reasons to Choose a Christian Financial Advisor Before Retirement](https://abrwealthmanagement.com/post/5-reasons-to-choose-a-christian-financial-advisor-before-retirement/) - In this episode, we break down the services that a financial advisor can provide. It is more than just calculations. It is humanity and a loving spirit. We trust in God to lead us down the right path, but we must use discernment and gather as much information as possible. A.B. Ridgeway explains that it - [(#92) Financial Planner to Christian Executives: Leo Marte, CFP®️, MBA](https://abrwealthmanagement.com/post/92-financial-planner-to-christian-executives-leo-marte-cfp️-mba/) - Mr. Leo Marte, CFP®️, MBA, CKA®️ Owner of Abundant Advisors Click below to hear the full episode: In the book of James 2:1-4- It reads My brethren, do not hold your faith in our glorious Lord Jesus Christ with an attitude of personal favoritism. For if a man comes into your assembly with a gold - [(#84) 4 Tips on How To Save More on the 4th of July during this Independence Day Celebration](https://abrwealthmanagement.com/post/84-4-tips-on-how-to-save-more-on-the-4th-of-july-during-this-independence-day-celebration/) - This 4th of July just might be the most expensive Independence Day you have seen in recent history because of inflation. So as you fire up the grill, send out the invitations via Facebook, and clean out the pool…we want to give you 4 tips to make sure that you and your bank account have - [(#73) Should Employers Give Employees More Mental Days Off?](https://abrwealthmanagement.com/post/73-should-employers-give-employees-more-mental-days-off/) - Should employers give employees more Mental Health Days? I say....well you will just have to listen to the episode. Click Here To Start Planning For Your Retirement Join our Newsletter and receive our free 19-page e-book "4 Financial Principles Every Christian Should Know" Click Here To Get Your Free Gift About Financial Advisors Say The - [(#77) CEO of JPMorgan Jamie Dimon Warns of Financial Hurricane](https://abrwealthmanagement.com/post/77-ceo-of-jpmorgan-jamie-dimon-warns-of-financial-hurricane/) - We are going to see troubling times and this is not going to be any different. But that doesn’t mean that we hide under a rock. God has something better for us. In today’s scriptures it says that no matter how much suffering we may encounter there is no comparison to the glory that will - [(#78) Feds Raise Rates Again, 529 Plan Conversion May Be Penalty Free](https://abrwealthmanagement.com/post/78-feds-raise-rates-again-529-plan-conversion-may-be-penalty-free/) - The finance world is in a whirlwind. The Feds are trying to curve this inflation as we are officially in a bear market and headed into a recession. Legislation has been submitted to eliminate the penalty for unused 529 assets if they are rolled over into a Roth IRA, and the SEC charges its first - ["Unpacking the Virtual Experience of Live2Lead 2022 Conference in Atlanta, GA"](https://abrwealthmanagement.com/post/unpacking-the-virtual-experience-of-live2lead-2022-conference-in-atlanta-ga/) - Romans 8:28 And we know that for those who love God all things work together for good, for those who are called according to his purpose. From the Desk of A.B. Ridgeway: "I had 2 choices...either I send an email about my disappointment, or go see what God had for me!" That was my thought - [(#72) Christians Are Torn- Are Prenups Biblical?](https://abrwealthmanagement.com/post/72-christians-are-torn-are-prenups-biblical/) - To be or not to be that is the question…that William Shakespeare asked but To Prenup or Not to Prenup is what Christians are asking. Today we are going to look at it from a Biblical perspective and also a financial perspective. This is the earliest introduction that we receive in the Bible. The 24th - [Mother's Day Special Episode: A Celebration of Mothers and Mother-Figures](https://abrwealthmanagement.com/post/mothers-day-special-episode-a-celebration-of-mothers-and-mother-figures/) - I know many of you are recovering from yesterday's festivities. If my experience has taught me anything about mothers and motherly figures, is that they come in all types of dynamics. We have mothers who bear children, we have mothers who adopt children, we have mothers whose pets are their children, we have mothers who - [How to be rich and righteous by finding your identity in Christ](https://abrwealthmanagement.com/post/how-to-be-rich-and-righteous-by-finding-your-identity-in-christ/) - (#65) How to be rich and righteous by finding your identity in Christ and how by building your wealth, you can expand the Kingdom of God featuring the hosts of The Stewardology Podcast You are here because you want to know how to align your financial choices with the Word of God. But you have - [Do you need someone to pray for you? Send us your prayer requests](https://abrwealthmanagement.com/post/do-you-need-someone-to-pray-for-you-send-us-your-prayer-requests/) - John 14:13-14 Whatever you ask in my name, this I will do, that the Father may be glorified in the Son. If you ask me anything in my name, I will do it I know you all are getting situated from the weekend. Our family was able to celebrate my daughter's 12th birthday. We are - [Have you checked your 401k recently?](https://abrwealthmanagement.com/post/have-you-checked-your-401k-recently/) - 2 Timothy 3:16 All Scripture is breathed out by God and profitable for teaching, for reproof, for correction, and for training in righteousness“ I was chatting with some financial friends of mine and one said, with a straight face, "Man...I wish my portfolio would go up as fast as these gas prices." I nearly spit - [The Dangers of a 401K Loan](https://abrwealthmanagement.com/post/the-dangers-of-a-401k-loan/) - Proverbs 27:12 "The prudent sees danger and hides himself, but the simple go on and suffer for it." To say that inflation is rising faster than some of us can prepare for it is an understatement. Even the best budgets are now being placed under a Stress Test, which may tempt some of us to - [Christ is Risen! The Resurrection of Jesus Christ According to the Book of Luke](https://abrwealthmanagement.com/post/christ-is-risen-the-resurrection-of-jesus-christ-according-to-the-book-of-luke/) - Join us as we relive the persecution, suffering, crucifixion, and resurrection of Jesus Christ in celebration of this Resurrection Sunday. Read by A.B. Ridgeway Luke Chapter 23 and 24 1 And the whole multitude of them arose, and led him unto Pilate. 2 And they began to accuse him, saying, We found this fellow perverting - [4 Tips on how to prepare for a recession and is a recession just another part of the business cycle?](https://abrwealthmanagement.com/post/4-tips-on-how-to-prepare-for-a-recession-and-is-a-recession-just-another-part-of-the-business-cycle/) - Galatians 6:9 Let us not become weary in doing good, for at the proper time, we will reap a harvest if we do not give up. Screaming RECESSION around average investors, is the equivalent of yelling BOO! to children on Halloween. They really don't know what the word BOO! means, but it still makes them - [Netflix Stock Price Plummets Over 30% on Wednesday](https://abrwealthmanagement.com/post/netflix-stock-price-plummets-over-30-on-wednesday/) - Proverbs 22:7 The rich rule over the poor, and the borrower is slave to the lender. If you heard mysterious loud screams of pain yesterday, don't worry. It was just the anguish felt by many investors who were over concentrated in Netflix stocks. On Wednesday, the stock fell over 30% and lost over $40 billion - [Family Time Will Help You Put A Whole Lot of Money In The Bank](https://abrwealthmanagement.com/post/family-time-will-help-you-put-a-whole-lot-of-money-in-the-bank/) - Philippians 4:19 "And my God will meet all your needs according to his glorious riches in Christ Jesus." Is a lack of quality family time causing you to lose money? We get it. Money and stress go together like peanut butter and jelly, Abbott and Costello, Tom and Jerry, Ben and Jerry.... You get my - [Dwayne Haskins Killed, Mark Wahlberg's new movie, and Tiger Wood loses the Masters](https://abrwealthmanagement.com/post/dwayne-haskins-killed-mark-wahlbergs-new-movie-and-tiger-wood-loses-the-masters/) - On today’s episode we discuss NFL Quarterback for the Pittsburgh Steelers Dwayne Haskins being killed by a truck. Mark Wahlberg has a new movie Stu, how Having a Christian Worldview Directly Impacts How Young People Manage Their Money, this, and many more Christian news updates on this episodes of Financial Advisors Say The Darndest Things. - [(#55) Top Female Entrepreneur Who Walked Away from Half of a Billion Dollars](https://abrwealthmanagement.com/post/55-top-female-entrepreneur-who-walked-away-from-half-of-a-billion-dollars/) - Kaysian Gordon, CPA, CFP, MBA (#55) Top Female Entrepreneur Walks Away from Half of a Billion Dollars And Is Empowering Single, Married, and Widowed Women to Take Control of Their Finances As She Starts Her Own Investment Firms with Kaysian Gordon, CFP, CPA, MBA “She smiles without fear of the future”. Our next guest, Kaysian - [Dan Celia Passes Away | CEO and President of Financial Issues](https://abrwealthmanagement.com/post/dan-celia-passes-away-ceo-and-president-of-financial-issues/) - YouTube Screenshot: Financial Issues It saddens us here at Financial Advisors Say The Darndest Things to report that on March 30, 2022 Dan Celia unfortunately passed. Not much is known about the cause of death, except that he came down with a serious illness and had spent the last 6 weeks in the hospital fighting - [The Secure Act 2.0: How To Save More Money For Retirement](https://abrwealthmanagement.com/post/the-secure-act-2-0-how-to-save-more-money-for-retirement/) - Proverbs 13:11 Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. ' Finally some good news for those who are trying to save for retirement! The House of Representative just passed The Securing a Strong Retirement Act, H.R. 2954, also known as the Secure Act 2.0. This act aims to - [Do You Have Enough To Retire?](https://abrwealthmanagement.com/post/do-you-have-enough-to-retire/) - Proverbs 16:3 Commit to the Lord whatever you do and he will establish your plans Are you ready for retirement? I don't mean, ready to quit your job. I'm sure many of us are ready to do that. I mean, are you ready to live out the 3rd chapter of your life, without the stability - ["Debunking Dave Ramsey: Is His Debt Management Strategy Really Wrong?" Christian Financial Advisor Reacts](https://abrwealthmanagement.com/post/debunking-dave-ramsey-is-his-debt-management-strategy-really-wrong-christian-financial-advisor-reacts/) - (screenshot from: https://www.ramseysolutions.com/debt/debt-calculator) Proverbs: 37:21- The wicked borrow and do not repay Introduction Debt is NOT a math problem? Christian Financial Advisor shares debt technique you can use? Conclusion Introduction As a professional financial advisor, it hurts my heart when I see these type of messages being distributed to the masses. Recently, I watched a - [What's Important To Focus on When Managing Your Investments In Volatile Markets](https://abrwealthmanagement.com/post/whats-important-to-focus-on-when-managing-your-investments-in-volatile-markets/) - Romans 12:12 Be joyful in hope, patient in affliction, faithful in prayer. With a drastic shift in the markets, I felt it was necessary to put the markets into historical perspective. Michael Batnick, CFA, is the Director of Research at Ritholtz Wealth Management LLC and he recently wrote a beautiful article that addressed this stance. - [Gas Prices and Inflation: Are we actually paying less?](https://abrwealthmanagement.com/post/gas-prices-and-inflation-are-we-actually-paying-less/) - Inflation can be detrimental to those on a fixed income. With the price of gas rising, groceries are hard to find, War in Russia, and the job market changing, what do you do? In 1913, Irving Fisher wrote in his book, The Money Illusion. “We have standardized every other unit in commerce except the most - [The Bible Debunks 4 Lies Christians Tell Ourselves About Investing](https://abrwealthmanagement.com/post/the-bible-debunks-4-lies-christians-tell-ourselves-about-investing/) - We all know that investing is the best way to build wealth. But are the lies we tell ourselves keeping us from being prosperous? 1. I Don’t Want to Lose Any Money 2. I’ll invest later- I have too much going on... 3. I don’t have enough money to invest 4. I don’t know what - [Debt Bible Scriptures: Old Testament Verses for Financial Freedom](https://abrwealthmanagement.com/post/debt-bible-scriptures-old-testament-verses-for-financial-freedom/) - “You need to type up your resume, make copies at Kinkos, and walk around town and give them out to the managers” I’m sure most of you have heard this from a loving elder at some point in your life. Regardless, they may have the best intentions for you, those pearls of wisdom are…let’s just - [Finances stressing you out? Here are the 3 major causes and how to overcome them](https://abrwealthmanagement.com/post/finances-stressing-you-out-here-are-the-3-major-causes-and-how-to-overcome-them/) - If your finances have you stressed these days, don’t worry, you are not the only one. Unfortunately, these times are crazy and uncertain, and I’m sure that your stress levels are super high. But allow me to give you some relief. Introduction Fear of the Unknown Fear of Credit Card Debt Fear of Death Conclusion - [How To Find A Christian Financial Advisor](https://abrwealthmanagement.com/post/how-to-find-a-christian-financial-advisor/) - Scripture: 2 Timothy 2:3- Share in suffering as a good soldier of Christ Jesus. The rise of online Christian Financial Advisors As information becomes more abundant, good Christian Financial Advisors will become more accessible regardless of zip codes due to online access. We are seeing a decrease in clients willing to accept the poor interactions - [How To Protect Your Retirement When You Quit](https://abrwealthmanagement.com/post/how-to-protect-your-retirement-when-you-quit/) - Before you barge into your manager's office, tell him where he can stick this job, and post on social media about it. Read this article! Congratulations! 🎉🎊🎉 You are now making the change you always wanted and in the middle of what some are calling “The Great Resignation.” But this new sense of freedom may - [Tithing: Passing on the gift of giving](https://abrwealthmanagement.com/post/tithing-passing-on-the-gift-of-giving/) - Passing on your family values is one of the best things you can do for your children Scripture: Joshua 1:8 – This book of the law shall not depart out of thy mouth; but thou shalt meditate therein day and night, that thou mayest observe to do according to all that is written therein: for - [Is It More Challenging to Follow the Phrase "Judge Not Lest Ye Be Judged" in Today's Society?](https://abrwealthmanagement.com/post/is-it-more-challenging-to-follow-the-phrase-judge-not-lest-ye-be-judged-in-todays-society/) - Do you suffer from insecurity? Do you feel that maybe you got the short end of the stick when it comes to financial well-being? Do you feel that everyone has it better than you? Well this is the post for you. Scripture: Matthew 7:1 -Judge not, that ye be not judged.2 For with what judgment - [Avoiding Spiritual Murder](https://abrwealthmanagement.com/post/avoiding-spiritual-murder/) - Scripture: Matthew 10:28 -Do not be afraid of those who kill the body but cannot kill the soul. Rather, be afraid of the One who can destroy both soul and body in hell. Devotion: Do you feel lost? Do you feel like you don’t know what to do financially? Well Jesus is the answer. This - [Christian Kids and Money Matters](https://abrwealthmanagement.com/post/christian-kids-and-money-matters/) - Scripture: Psalms 22:3- He restoreth my soul: he leadeth me in the paths of righteousness for his name’s sake Devotion: What are you teaching your kids about money and how it relates to the word of God? When we teach our kids about morality, truth, respect, and a love for God we tend to reference - [God Wants You To Be Rich- Here is Why!](https://abrwealthmanagement.com/post/god-wants-you-to-be-rich-here-is-why/) - Scripture: Psalms 40:5- Many, Lord my God, are the wonders you have done, the things you planned for us. None can compare with you; were I to speak and tell of your deeds, they would be too many to declare. Devotion: How many things has God blessed you with that you have disregarded? How many - [Arguing with loved ones is going against your faith](https://abrwealthmanagement.com/post/arguing-with-loved-ones-is-going-against-your-faith/) - Scripture: Romans 4:1-Accept the one whose faith is weak, without quarreling over disputable matters. Devotion: Do you feel weak in your faith? Does it make you feel uncomfortable having conversations about it, because maybe you are not as strong in it, as you feel you should be? Well here, Paul is writing to the church - [The Power of Praise: Making a Joyful Noise Unto The Lord](https://abrwealthmanagement.com/post/the-power-of-praise-making-a-joyful-noise-unto-the-lord/) - Scripture: Philippians 4:8- Finally, brethren, whatsoever things are true, whatsoever things are honest, whatsoever things are just, whatsoever things are pure, whatsoever things are lovely, whatsoever things are of good report; if there be any virtue, and if there be any praise, think on these things. Devotion: In this scripture we find Paul talking to - [Why You Should Turn Away From Your Wicked Way](https://abrwealthmanagement.com/post/why-you-should-turn-away-from-your-wicked-way/) - Scripture: Jeremiah 16:6- This is what the Lord says: “Stand at the crossroads and look; ask for the ancient paths, ask where the good way is, and walk in it, and you will find rest for your souls. But you said, ‘We will not walk in it.’” Devotion: I need to make sure that Jeremiah - [Christians are under pressure. How to persevere with God on your side](https://abrwealthmanagement.com/post/christians-are-under-pressure-how-to-persevere-with-god-on-your-side/) - Scripture: James 1:12-Blessed is the one who perseveres under trial because, having stood the test, that person will receive the crown of life that the Lord has promised to those who love him. Devotional: It was about 1 am in the morning when I read this verse. I couldn’t sleep even though I had a - [We Are Made In God's Image](https://abrwealthmanagement.com/post/we-are-made-in-gods-image/) - Scripture: Isaiah 64:8- But now, O LORD, thou art our father; we are the clay and thou our potter; and we all are the work of thy hand Devotion: Aren’t we all made in God’s image? Aren’t we all children of God? In today’s scripture, once again we see God positioned as the creator and - [What Does The Bible Say About Financial Growth?](https://abrwealthmanagement.com/post/what-does-the-bible-say-about-financial-growth/) - Scripture: John 15:1 -“I am the true vine, and my Father is the gardener. (2) He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes, so that it will be even more fruitful. Are you going through a tough time? Are you confused why certain - [The Temptations of the flesh can crush your spirit!](https://abrwealthmanagement.com/post/the-temptations-of-the-flesh-can-crush-your-spirit/) - Scripture: Romans 8:8 - Those who are in the realm of the flesh cannot please God. Who is going to win this battle in your life? The flesh or the spirit? Well, today we are going to address these two questions as we find, once again, Paul writing to the people of Rome, describing how - [How to fix your finances after a BIG mistake](https://abrwealthmanagement.com/post/how-to-fix-your-finances-after-a-big-mistake/) - Scripture: Ezekiel 36:27-And I will put my Spirit in you and move you to follow my decrees and be careful to keep my laws. Have you made financial mistakes? Have your finances been defiled by poor decisions? Do you feel like there is no hope? Well if God can restore Israel to it’s glory, then - [The Psychology of Being Rich According to the Bible](https://abrwealthmanagement.com/post/the-psychology-of-being-rich-according-to-the-bible/) - Scripture: 1 Samuel 2:7- The Lord sends poverty and wealth; he humbles and he exalts. Are you living in poverty? Or are you living in wealth? Before you go run to your bank account and figure out the answer to these questions, understand that poverty and wealth are conceptual. That means that they can not - [For The Love of Money Is Evil](https://abrwealthmanagement.com/post/for-the-love-of-money-is-evil/) - Scripture: Matthew 5:6 Blessed are those who hunger and thirst for righteousness, for they will be filled. What sacrifices have you made to in order to improve your finances? Do you seek righteousness on a daily basis as you do your food and drink? This scripture speaks to the promise that those who desire a - [What Did Jesus Teach About Money?](https://abrwealthmanagement.com/post/what-did-jesus-teach-about-money/) - Scripture: Matthew Chapter 12:1-14 Devotion: Can you do the right thing even when it is wrong? In this scripture, Jesus gives a solid, yes! One thing I love about Jesus is that he rarely answers a question directly. In school we were taught, never to answer a question WITH a question, we were taught that - [The Secret To Financial Freedom No One Talks About](https://abrwealthmanagement.com/post/the-secret-to-financial-freedom-no-one-talks-about/) - Scripture: Psalms 63:3-4 Because thy lovingkindness is better than life, my lips shall praise thee. Thus will I bless thee while I live: I will lift up my hands in they name. Is a lack of gratitude causing many of us to be financial failures? Have you given God praise for the things that he - [How To Pray To God For Financial Help](https://abrwealthmanagement.com/post/how-to-pray-to-god-for-financial-help/) - Scripture: Psalms 116:5 Gracious is the LORD, and righteous; yea, our God is Merciful Devotion: God heard my cry! Don’t we all just want to be heard when we are in pain? When life feels overwhelming? Wouldn’t you like to have just someone to listen? Well, I have good news for you because God is - [How To Trust God With Your Finances](https://abrwealthmanagement.com/post/how-to-trust-god-with-your-finances/) - Scripture: Psalm 16:1- Preserve me, O God: For in thee do I put my trust Devotion: Where do you put your trust? In man? In your money? If you answered anything except God, I think you may be missing out on some of your blessings. When we hear "Preserve me!" We may think of preservation - [Striving for Financial Balance: How Jesus Found the Middle Ground in a World of Extremes Without Being Average](https://abrwealthmanagement.com/post/striving-for-financial-balance-how-jesus-found-the-middle-ground-in-a-world-of-extremes-without-being-average/) - Written by: A.B. Ridgeway, EA, MBA, CPWA®️ I pray you find balance in a world that thrives on extremes. The fear of not being recognized can cause you to make financial decisions that can destroy your peace and happiness. To be balanced is not the same as being average. Jesus was balanced but far from - [5 Ways AI is Being Used by Fraudsters to Deceive and Steal from You: How to Safeguard Your Finances](https://abrwealthmanagement.com/post/5-ways-ai-is-being-used-by-fraudsters-to-deceive-and-steal-from-you-how-to-safeguard-your-finances/) - Written by: A.B. Ridgeway, EA, MBA, CPWA®️ In today’s rapid digital landscape, Artificial Intelligence (AI) has transformed how we do business, interact with technology, and manage our daily tasks. While AI enhances the convenience of our lives, it also arms criminals with sophisticated tools for deception. Understanding how fraudsters leverage AI is vital for protecting - [Are Your Career and Financial Fears Holding You Back? A Financial Advisor's Perspective on Overcoming Common Money Worries](https://abrwealthmanagement.com/post/are-your-career-and-financial-fears-holding-you-back-a-financial-advisors-perspective-on-overcoming-common-money-worries/) - Written By: A.B. Ridgeway, EA, MBA, CPWA®️ In our rapidly changing world, it's common to feel overwhelmed by career and financial concerns. You might be pondering whether your job truly reflects your passions or if you earn enough to feel secure. These worries typically boil down to two fundamental fears: the fear of being cut - [Are Investors Always Right? Exploring Misconceptions in Finance and Customer Service](https://abrwealthmanagement.com/post/are-investors-always-right-exploring-misconceptions-in-finance-and-customer-service/) - Written by: A.B. Ridgeway, EA, MBA, CPWA®️ In today’s fast-paced world, financial literacy is crucial for making smart investment decisions. Unfortunately, misconceptions can cloud our judgment and lead to poor choices. A common misconception is the belief that "the customer is always right." This saying implies that customer decisions should always prevail, even when they ## Pages - [Home](https://abrwealthmanagement.com/) - Welcome to A.B Ridgeway Wealth Management Financial Plans forChristians We help Christian families make biblically sound financial decisions about 401(k)s, retirement income, and taxes during life’s biggest transitions. We help Christian families navigate 401(k)s, retirement income, taxes, and life’s biggest financial transitions through the lens of biblical stewardship. Schedule A Consultation Services Hebrews 13:5 Be - [About](https://abrwealthmanagement.com/about-us/) - About Me After years of working with individuals and families, I noticed a common theme. Many people spent decades working hard, saving faithfully, and building wealth, yet they entered retirement feeling uncertain about the decisions ahead. Questions about 401(k)s, Social Security, taxes, retirement income, and leaving a legacy often created unnecessary stress because they were trying to - [Services](https://abrwealthmanagement.com/services/) - Proverbs 21:5 Free 30-Minute Consultation No one cares how much you know, until they understand how much you caRE! During your complimentary 30-minute consultation, you’ll have the opportunity to discuss the questions and concerns that come with preparing for retirement or navigating life after retirement. 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