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S13 Bonus Ep3 Talking Faith and Finance with Dave McCarthy, Lead Pastor of Westhill Community Church
28 Jul 2026
00:26:39
In the third bonus episode of Season 13, Simon and Bex talk faith and finance with Dave McCarthy, Lead Pastor of Westhill Community Church in Aberdeenshire.
Some key points of interest covered in this episode include the following:
Dave’ introduces himself [01:26] and describes how he became an unexpected convert to Christianity. [02:22]
Dave’s journey into church leadership also had some surprising elements, including dropping out of university but then being accepted for ordination in a remarkably brief time frame. [05:11]
Church leadership training at that time did not include financial understanding and management; instead, the relevant skills and knowledge had to be picked up on the job, once appointed to a position of responsibility within a church. [08:01]
A couple of Bible verses that have been particularly significant for Dave have been Matthew 6.21 (‘For where your treasure is, there your heart will be also.’) and Psalm 50.10 (‘For every animal of the forest is mine, and the cattle on a thousand hills.). Dave describes the latter as ‘a really powerful verse’ and one that ‘I always have… in my head’ when ‘we’ve got to find resources from somewhere’. [09:02]
For Dave, the best way of communicating godly truths about financial matters is to draw attention to examples of God’s provision within the local church. In one example, faith and encouragement were stimulated by a generous donation that enabled a building project to go ahead. [11:05] In another instance, a fundraising target prompted by the lack of a church toilet ended up being the means through which a congregation grew in belief and generosity after uniting in prayer and a willingness to give in response to that need. [12:34]
Dave benefited from being in supportive churches with a long history of being open to the guidance of the Holy Spirit but he acknowledges that the financial ups and downs of church leadership can take their toll on individuals and wonders whether other leadership models need to be considered for the future. [14:51]
In response to a question from Simon asking him what he would say to a congregation if he were to be given free rein [16:41], Dave said that he would highlight the following points: generosity begets generosity, and God loves a cheerful giver (2 Corinthians 9.6-7) [17:59]; everything that a church is able to do is funded by its congregation [18:30]; giving should not become a legalistic duty but should always come from the heart. [19:15]
When it comes to practical tips, Dave notes the importance of budgeting [20:52], of making our giving a primary consideration [21:07] and ensuring that we review our giving regularly. [21:15] There is also an onus on the church to provide appropriate information, teaching and encouragement for new Christians and church members regarding financial matters. [21:54]
Dave’s final tip, inspired by Proverbs 16.9 (‘A man’s mind plans his way, but the Lord directs his steps.’), is to ensure that we take time to plan for the long term, especially as far as our retirement aspirations are concerned. [23:50]
Your bonus for reading these show notes is that you get to find out that the next season of the podcast, coming after our summer break, will be all about ‘Financial Crises’! [25:58]
S13 Bonus Ep2 Talking Faith and Finance with Kenny Primrose, Podcaster, Educator and Writer
30 Jun 2026
00:27:36
In the second bonus episode of Season 13, Kenny Primrose - Podcaster, Educator and Writer - shares insights into ways in which our lives – and our engagement with faith and finance matters - can be enhanced by asking better questions.
Some key points of interest covered in this episode include the following:
Kenny introduces himself [01:06] and talks about how he became a Christian. [02:05]
In response to a question from Bex, Kenny talks about his professional involvements, including his podcast, ‘The Examined Life’, which invites guests to ‘distil their wisdom into a question we should be asking ourselves’. [03:55] Favourite episodes of the podcast have included Oliver Burkeman on life’s finite nature, Anna Lembke on our dopamine saturated culture, Iain McGilchrist on ‘What is my culture preventing me from seeing?’ and BJ Miller on ‘Loss, Meaning, and Learning to Feel’. [06:49]
When it comes to faith and finance content, two podcast episodes have stood out for Kenny: Elizabeth Oldfield on ‘Who is it that I want to be becoming?’, in which she explores the formational nature of our interaction with money; and Peter Singer on ‘How ought I to live?’, a question that prompted Kenny’s friend, Aaron Moore, to sell all of his possessions in a piece of performance art called, ‘One Thing You Lack’. [11:13]
On a personal level, Kenny is clear that money is a stewardship issue rather than an ownership matter, with one of the key messages of the Christian gospel being that life is a gift. The challenge, then, is to live out that principle in a culture which is driven by the market economy rather than by grace and generosity. [14:23]
When asked about the application of biblical wisdom to contemporary society, Kenny suggests that it can be helpful to concentrate on enduring themes such as justice, generosity and responsibility or, in the Jewish tradition, Tzedakah (righteous acts), Tikkun Olam (repairing the world) and Chesed (charity or loving-kindness). [17:10] A particular challenge these days is that money is no longer directly associated with physical work; instead, it has become much more of an abstract concept, enabling it to take on a ‘value’ and role all of its own, often to the detriment of principles such as fairness, generosity and kindness. [18:15]
Kenny’s experience of churches is that they have generally been reluctant to broach financial topics. He feels that is a missed opportunity and would welcome more directness from the pulpit on this matter, especially as Jesus spoke so often, so radically and so passionately about money. [19:50]
There is a danger that we can be selective when it comes to absorbing biblical truths about money, so Simon and Kenny highlight the importance, for both society and the church, of being open and receptive to those messages, even if they are challenging to take on board. [23:01]
The importance of making room for conversations about money on a regular basis - and not just when a crisis strikes - is also highlighted. If professional assistance is required, to deal with debt or other financial issues, CAP (Christians Against Poverty) is recommended as an excellent source of free advice and support. [24:21]
Simon suggests that his own key question on a faith and finance theme would be, ‘How much is enough?’ For his part, Kenny’s choice is, ‘What does it mean for me to live in integrity? How do I integrate my beliefs with my actions and my words?’ [25:37]
In the third episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that can arise from the interactions that we have with our parents, especially later on in life.
Some key points of interest covered in this episode include the following:
Simon and Bex start off by talking about the importance of establishing an updated, shared understanding when adult children and their parents discuss money matters. Pete Scazzero’s ‘Emotionally Healthy’ resources are very helpful in this respect, and our own season on ‘Talking About Money’ may also be of interest. [02:17]
It can be helpful for an adult child to consider how best to broach the topic of money with a parent as it can be an emotive subject, and the motivation for raising it can sometimes be called into question. For their part, parents can often make the situation easier if they are willing to take the initiative and introduce a conversation on a money theme. [03:38]
The principle of honouring and respecting our parents is crucial to this whole area, with the most desirable outcome being an ability to tackle issues collaboratively rather than combatively. [06:38]
It can be a complete nightmare if financial affairs are not left in order, so Simon suggests ways in which the necessary conversations and subsequent action points can be implemented in a timely and appropriate manner. [08:36]
In response to a question from Bex, Simon talks about the importance of sharing relevant information with at least one other person if others are going to be affected practically and financially by your death. [11:03]
For those wishing to find out more about legal matters such as wills and power of attorney, Bex draws attention to the input given by Fiona Clarke, a private client solicitor, when she appeared on Season 3 Bonus Episode 2 of the podcast. [12:27]
When it comes to the question of whether we have a definite responsibility to support our parents in financial matters, Simon suggests that the starting point should be to have an honest and open conversation about the situation and then see where that leads. [12:46]
Similarly, timely and thoughtful conversations with other family members are often required, for example when issues arise of how best to care for and support parents when they are ill or can no longer live independently. [15:47]
Simon then shares some thoughts on possible care scenarios, with Age UK being mentioned as a possible source of helpful information and advice. [18:21]
Bex and Simon conclude the episode by reiterating the importance of taking opportunities to have financial conversations with family members, not least because the sooner those chances are taken the more likely it is that there will be positive outcomes. [22:26]
Next week’s episode will expand the conversation to include financial matters that affect the wider family. [23:34]
In Episode 7 of the ‘Key Life Stages’ season, Simon and Bex explain that the nature of retirement can vary from person to person and they discuss how to thrive in retirement.
Some key points covered in this episode include the following:
Simon identifies four factors that can come into play when considering what ‘retirement’ means for each individual [02:09]: Age [02:44]; Stage [03:25]; Health [03:57]; Income. [04:38]
Simon explains that the process of ‘retirement transition’ requires people to weigh up their priorities regarding matters such as money, career, health, family and other relationships. [06:19]
In response to a question from Bex, Simon provides some top tips for doing retirement well, based on his experiences of working with clients over the years. [10:34]
Bex draws attention to the relevance of the Season 3 episode on ‘Decumulation’ (which is being released next week) because of its focus on managing money in retirement. [17:02]
Using Numbers 8.24-26 as his starting point, Simon comments on what the Bible says about retirement and then puts forward some suggestions for inclusion in a Christian perspective on retirement in the 21st century. [20:02]
The final 'Key Life Stages’ episode will be devoted to the topic of ‘End of Life Planning'.
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S3 Ep6: Cash Flow Planning
13 Dec 2022
00:25:42
In Episode 6 of our ‘Practical Financial Planning’ season, Simon explains how cash flow planning can help to create a useful 'budget for life'.
Some key points of interest covered in this episode include the following:
Bex and Simon set the scene by quoting the following biblical references: Luke 14.28-30 & 12.31-41; Proverbs 31.16-21 & 21.5. These verses flag up a number of topics relevant to financial planning, including anticipating future needs, providing for family, inheritance and generosity, but also greed, laziness, haste and lack of planning. [01:05]
Simon starts talking about the concept of cash flow planning by explaining the long-term perspective that it provides when he uses it in a business capacity with clients. [04:13]
Software can be a great help when undertaking cash flow planning, so Simon draws attention to 'Truth About Money', a free version of a cash flow modelling tool that he uses professionally. [08:32]
Simon goes on to describe how a long-term cash flow model works and in what ways it can be helpful. [16:00]
Simon suggests that financial planning decisions should not be determined purely by monetary considerations. The faith perspective is vital for Christians and, in his final comments, Simon mentions the importance of seriously considering matters such as working out “how much is enough?”, being generous and serving God. [21:06]
As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Decumulation Strategy’, which will be released after a break for Christmas. [24:42]
In Episode 6 of the ‘Key Life Stages’ season, Simon and Bex discuss various points to consider in connection with getting ready for retirement.
Some key points covered in this episode include the following:
Simon provides a brief overview of planning for retirement and explains why it is important to prepare well for that stage of life. [04:06]
The first, and most obvious, step is to build up your State Pension. [06:49]
The next key factor is to increase your pension(s), whether company pension schemes or personal pensions. [08:08]
The third main strategy to adopt is to make a conscious decision to decrease pre-retirement expenditure in a sensible and considered manner. [09:24]
Simon highlights the benefits to be gained from saving money in the final years before retirement and putting it into a pension. [12:06]
Simon acknowledges that there are many different factors that can affect people’s priorities and actions as they get ready to retire. [14:55]
Simon suggests that the best way of being able to retire at your preferred point in time is to set up a budget with that goal in mind. [16:55]
Simon concludes by listing five additional points, aka ‘nuggets of wisdom’, to consider when preparing for retiring: (1) the significance for couples of discussing retirement matters with each other beforehand [19:33]; (2) the benefits of including all relevant factors when making affordability calculations [20:36]; (3) the need to consider various principles and practicalities when considering leaving an inheritance [21:12]; (4) the advantages of taking a flexible approach towards ‘retirement goals’, recognising the benefits of putting some plans into effect before retirement itself actually takes place [21:32]; (5) the importance of considering being generous and planning how and when giving can occur during retirement. [22:38]
If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). The next life stage episode will be devoted to the topic of ‘Retirement’ itself. [22:56]
In Episode 5 of our ‘Practical Financial Planning’ season, Simon explains how an understanding of platforms (technology that enables us to interact with various financial elements) can help us to manage our money.
Some key points of interest covered in this episode include the following:
Simon uses the analogy of buckets (places we put money) on a shelf (a way to organise our money) to explain how we can accumulate various products (bank accounts, pensions, ISAs, savings accounts etc) from different providers (banks; building societies; brands such as Visa, PayPal, Mastercard; insurance companies etc), which then require to be organised if we are going to manage them efficiently. [01:13]
Simon explains how platforms (‘integrated’ platforms in the first instance) were developed as technology enabled people to interact to a greater extent with financial matters. [09:55]
The DIY platform (sometimes called 'Fund Supermarkets') allows investors to hold different types of investment in one consolidated account, without having to go through a provider. [12:09]
The 'adviser facilitated' platform enables independent financial advisers and planners to manage their clients’ money in a manner similar to the DIY platforms, with the result that investments do not have to be restricted to a single provider's funds. [13:40]
When asked about the relative merits of a provider's own integrated platform, a DIY platform or an adviser platform, Simon explains that four factors need to be taken into account: Product [17:11]; Cost [18:11]; Funds [22:36]; Advice [25:11].
As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Cash Flow Planning’. [28:07]
In Episode 5 of the ‘Key Life Stages’ season, Simon and Bex discuss various issues and opportunities connected with career progression.
Some key points covered in this episode include the following:
Simon introduces the topic of ‘Career Progression’, explaining what is going to be covered in this episode. [00:55]
Bex and Simon consider some of the things that the Bible says about work, referring to Genesis 2.15, Revelation 22.3, Colossians 3.23, 2 Thessalonians 3.10, Proverbs 14.23 & 16.3, and concluding with Ephesians 4.28, which highlights the potentially transformative effect of work. [02:27]
Simon suggests that any point at which our financial circumstances change is an opportunity to think about how generous we can be and to review our giving. [05:17]
Simon then covers four further topics that merit fresh consideration at this time: protection [09:39], debt [10:48], pensions [14:12] and saving & investing [17:28].
Simon concludes by mentioning briefly some other topics (including inflation, and also individual and family considerations) that are worth thinking about in connection with career progression. [19:41]
If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). The next life stage episode will be ‘Getting Ready for Retirement’. [21:28]
S2 Bonus Ep2 – Providing Support during the Cost of Living Crisis, with Ben Clift of Christians Against Poverty
15 Nov 2022
00:31:52
In this bonus episode, Simon and Bex talk with Ben Clift, of Christians Against Poverty (CAP), about the Cost of Living Crisis and various ways in which support can be provided.
Some key points covered in this episode include the following:
Following an entertaining difference of opinion between Bex and Simon about whether or not Simon had foreshadowed Ben Clift as their guest in this episode [00:53], Bex asks Ben to describe his role as a CAP Debt Centre Manager and what an average day looks like. [01:17]
Ben explains that CAP is a national/international charity which operates on a significant scale but is also able to target support very effectively within communities as a result of being based in local churches. [02:41]
Ben goes on to talk about the biblical principles behind CAP’s activities [04:43] and how that translates into practical support, especially in connection with the charity’s endeavours to assist people to overcome debt-related issues. [08:00]
In response to a question from Bex, Ben provides information about the number of people who have been helped to become debt-free as a result of their contact with the debt centre in which he works. [10:05] He also speaks about the kinds of answers to prayer that people have experienced as a result of having shared their concerns, needs, aspirations etc with members of the CAP team. [11:24]
A couple of questions from Simon prompt Ben to explain some of the practicalities in which CAP representatives become involved when helping clients deal with financial correspondence [13:23] and negotiations with debtors. [15:14]
Ben talks about the fact that many people are experiencing an uncomfortable ‘squeeze’ as a result of the Cost of Living Crisis that has been precipitated by global factors (including the war in Ukraine), inflation pressures and political turbulence. [17:27]
Simon explains that the ‘wealthy’ are not immune from being affected by an unbalanced budget and can certainly experience financial shock under the kinds of circumstances that are affecting so many people at this point in time. [19:37]
Ben talks about the CAP Money Course, which is designed to provide people with money management skills that will help them to handle their finances effectively and wisely. [22:03]
Bex asks Simon and Ben what they think that Jesus would say to people who are currently experiencing stress and turmoil as a result of financial pressures. [23:30]
Responding to a question from Simon, Ben explains how people can get involved with CAP and support its work in a variety of different ways. [26:45] (NB Such is the nature of the world at present that the details of the Prime Minister [27:58] have changed between this episode being recorded and then published, with Rishi Sunak now having taken over that role from Liz Truss!)
Information about Christians Against Poverty can be found at capuk.org, and feedback or questions regarding this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram. [29:39]
Season 2 of ‘Where Your Treasure Is…’ resumes on 23 November.
S2 Bonus Ep1 - Can hobbits, a mellifluous poem and an extreme spreadsheet help us to press 'reset' on some of our major expenses?
01 Nov 2022
00:34:21
In this bonus episode, Simon and Bex discuss practical approaches to budgeting for ‘big ticket items’ but also talk about ways in which we can ‘refresh’ our thinking regarding these expenses.
Some key points covered in this episode include the following:
Bex asks Simon for some tips on how to deal with major expenses that can wreck a budget, such as birthdays, Christmas, weddings and holidays. [00:41] As part of his response, Simon explains that, as described in the writings of JRR Tolkien, hobbits have an unusual but thought-provoking way of dealing with birthday presents. [02:18] Bex is prompted by Simon’s comments about the dangers of ever-increasing expenditure on presents to share how her family has reduced the number of presents that family members are expected to buy for each other. [03:27] Simon goes on to highlight the importance of having conversations about expectations for presents etc as that can assist individuals and families to avoid falling into practices that can ultimately exert unhelpful pressures upon them. [06:29]
Thinking about the biblical reference to God giving good gifts to his children (Matthew 7.11 and Luke 11.13), Bex is prompted to reflect on the importance of expressing our love and appreciation to others in ways that are not dependent on money. [08:42]
Simon outlines five principles for dealing with major expenses in a practical and manageable manner: (a) Anticipate expenses [12:53]; (b) Budget for this expenditure [13:54]; (c) Cut down on credit [16:09]; (d) Delayed gratification: paying in advance, where possible [17:52]; (e) ‘Extreme organisation’ – using a spreadsheet, for example, as a means of planning and tracking spending on presents [21:13]
Bex and Simon develop further their discussion about alternative ways in which love and affection can be expressed [23:38], including reference to Gary Chapman’s book, , ‘The Five Love Languages’, [24:56], hand written notes from Bex’s mum [25:45] and a poetic tribute to mellifluousness! [27:56]
Bex and Simon conclude by sharing some thoughts about approaching Christmas (a potentially major source of expense) in a thoughtful and outward looking manner that can change the way that we do things and what we focus on at that time. [28:49]
Feedback on bonus episode content and format was invited and can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram. [33:10]
(NB A further bonus episode will follow on 16 November before Season 2 resumes on 23 November.)
In the fourth episode of our ‘Practical Financial Planning’ season, Simon and Bex discuss Investing: what it is; why you might want to do it; and some principles you may wish to follow.
Some key points of interest covered in this episode include the following:
Simon defines investment as something that has an ‘expected return’ and illustrates this comment by examining whether or not various purchases (eg a car or a house) and financial strategies (putting money in the bank, acquiring shares or buying gold) meet the terms of that definition. [02:13]
In response to a question from Bex about why we might want to invest, Simon outlines the way in which inflation can reduce the spending power of our money. Investing is a good way to combat that issue, especially as the effect of compound interest on invested money is to cause it to grow by a greater amount year on year. [09:15]
When considering the options for long term investing, the stock market can be a good option as long as you don’t try to ‘ride the wave’ and attempt to pick ‘winners’ all the time. [13:40]
Simon describes four key steps that should give investors the best chance of getting a ‘good return’: (1) Pick an investment that gives you access to as much of the stock market as possible [19:05]; (2) Invest in index funds that cover as many countries as possible [20:01]; (3) Pick as low cost a fund as possible [20:30]; (4) Remember that you don't need to put all your money for investing into the Stock Market [21:18].
As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. After a fortnight’s break, we will be back with a couple of bonus episodes and will then resume our current seasons with Life Stage 5: Career Progression. [23:01]
In Episode 4 of the ‘Key Life Stages’ season, Simon and Bex highlight the significance given to homes in the Bible before going on to discuss the financial practicalities and implications of buying your first home.
Some key points covered in this episode include the following:
Bex and Simon quote various verses from the Old and New Testaments (Micah 4.4; John 14.2 & 14.23; Acts 2.46, 4.32-35 & 18.26; 2 Corinthians 5.1-2) to illustrate the importance placed on homes in the Bible. [00:25]
It is noted, however, that the Bible also stresses the importance of not storing up treasures on earth. (Matthew 6.19) This prompts Bex to acknowledge that there is an inherent challenge involved in investigating the financial practicalities of buying your first home – as this episode aims to do – while maintaining a clear focus on biblical teaching and a faith-based perspective. [03:03]
Simon starts off the discussion by providing some home ownership facts and figures, which demonstrate that people are currently finding it really hard in the UK to get their feet on the first rung of the property ladder. [03:15]
Purchasing your own home may not be the right option for everyone, and Simon provides examples of some situations in which people might want to rent their accommodation rather than buying it. [06:00]
There are, however, a number of advantages of buying your own home, which make it an appropriate and prudent option in many instances. [06:47]
Once you have decided that you want to purchase your own home, you need to tackle two initial requirements: (1) to provide an appropriate deposit (2) to demonstrate that you can afford to pay off the loan (mortgage) that you will be taking out on your chosen property. [09:31]
When deciding on the mortgage payments to which you are going to commit yourself, it is important to consider the whole picture. One point to think about is the length of time over which you are going to repay your mortgage. The shorter the term of the mortgage, the less money you will pay out overall… but your monthly payments will be higher. [11:34]
Calculating your surplus income will help you to establish what is affordable in your situation. [13:40]
Having a contingency plan in case interest rates go up over time is also important. For that reason, you might want to consider signing up to a fixed rate (rather than a variable rate) mortgage, especially if you can afford monthly payments that will allow you to take out one that will last for five years or more. [15:46]
Because taking on a mortgage is a major financial commitment… and because life happens, Bex asks Simon to outline some ways in which we can respond if we encounter difficulties that place in doubt our ability to meet our mortgage payments. [18:53]
If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). Otherwise, please join us for next week’s episode, ‘Make Money Make Money’ (Episode 4 of the ‘Practical Financial Planning’ season), which will be all about investing. [20:44]
In episode 3 of ‘Practical Financial Planning’ (the third season of the ‘Where Your Treasure Is…’ podcast), Simon and Bex explore the whys and wherefores of considering an ISA, (Individual Savings Account) as an investment option.
The following points are among those covered by Simon and Bex in their discussion:
Simon explains that investment vehicles are ‘containers’ that have been created to ‘carry’ money in order to help investors gain positive returns on their money. [00:44]
Two of the best known investment vehicles are pensions and ISAs (Individual Savings Accounts). Each of these can create benefits for an investor, especially as a result of the special tax arrangements that are a key aspect of how they each operate. [01:59]
Pensions and ISAs have been deliberately created as tax efficient products, which means that they assist investors to grow their money by avoiding certain taxes which would otherwise apply to their savings. (Simon stresses that these arrangements are completely different from tax evasion, which is unequivocally illegal!) [03:43]
Bex and Simon summarise the different tax arrangements for pensions and ISAs. [06:12]
When considering whether a pension or an ISA is better for you, two key factors should be taken into account: (1) your objectives (2) the tax arrangements relevant to your situation. First of all, Simon examines the possible tax permutations. [06:56]
The objectives of the investment are then considered, with Simon explaining that an ISA can be a great way to save for a deposit on a house, for example, while the primary purpose of a pension is to provide an income during retirement. [12:38]
The LISA (Lifetime ISA) is highlighted as a particular kind of ISA that potentially has real benefits for anyone looking to use it to buy a first home. As long as the specific rules governing the LISA are followed, investors stand to gain from a 25% bonus that the government will add to their savings. [13:41]
Following a summary of key points from Bex [18:15], Simon mentions three final points to note: (1) Generally, Cash ISAs tend not to have any significant, unique benefits for investors at the present time [18:30]; (2) If, for any reason, you need to invest more money than can be accommodated within an ISA, you could consider a General Investment Account, and it might also be worth investigating the option of seeking advice from a financial planner [19:32]; (3) Listeners to the podcast may have heard of Investment Bonds, but it would usually be expected that this option would be explored only after other investment vehicles have been fully utilised. [20:18]
As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next Season 3 episode will be on investment strategy; in the meantime, Episode 4 of Season 2 (Your First Home) will be published next week. [20:50]
In the second episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that arise in connection with having children.
Some key points of interest covered in this episode include the following:
When asked how much money people need to have in order to be able to afford to have children, Simon suggests that couples should fully discuss the matter but should not make it a financial decision. [01:17]
On the topic of what do children need to know about money, Simon notes that it is a complex area and that it is hard to prepare children for what their ‘real world’ use of money is going to be like. Approaches that are likely to be helpful include talking openly about money and the reasons for the financial decisions that we make, including in connection with our giving. [03:32] Modelling certain behaviour – eg giving to the church – can also have a significant impact, as Bex observes. [05:39]
Simon comments that it is becoming more complex and challenging for young people to become financially knowledgeable, adept and independent, with the result that practical and emotional support from parents has become more important than ever. [06:27]
Some tips and tricks from Simon for educating children financially include getting them to save for items or to pay instalments to parents for special purchases, as well as briefing them on payment options such as interest free loans, buy now pay later, and credit cards. [08:18]
As far as specific accounts for children are concerned, the disadvantage of Junior ISAs is that they can give an 18-year-old unfettered access to a significant amount of money, which may not always be helpful or wise. Parents can, however, use their own ISAs to build up savings for a child in a more controlled manner. Current accounts for children can get them used to managing their own money while prepayment cards, in particular, can provide them with useful hands-on experience of making their own purchases. [09:41]
Simon talks through the pros and cons of taking on debt through loans, with a particular focus on student loans. [11:47]
Simon explains some of the factors that need to be taken into account when parents are considering assisting children financially with the purchase of a property. [14:58]
Other factors worth considering when parents are thinking about giving money to their children include tax efficiency, fairness/equality and clear communication with all relevant parties. [17:40]
Simon offers some thoughts for parents on the tricky issue of how to deal financially with a child who is making contrary lifestyle choices. [20:03]
When asked what end of life, financial preparations parents can make that will be helpful to their children, Simon emphasises the benefits of simplification and good communication. [22:08]
Bex draws attention to Season 4 of the podcast as a useful resource for anyone looking for tips and practical suggestions about having conversations about money. [24:25]
The focus of next week’s episode will be on financial issues that have particular relevance for parents. [24:55]
In the third episode of the Key Life Stages season, Simon and Bex delve into the things that you need to know about your payslip when you get your first job.
Simon and Bex introduce their comments on payslip deductions by making some observations on tax, including some examples of occasions when tax is mentioned in the Bible. [02:01]
In response to a question from Bex, Simon explains why income tax and National Insurance are collected separately by the Government. [04:12]
With the aim of helping listeners to understand their payslip and the salary deductions that are made, Simon talks about the Personal Tax Allowance and explains that wages and tax are scheduled evenly over the tax year, which runs from 6th April in one year to 5th April the following year. [05:51]
The rate of tax to be paid depends on the annual salary but there are also some regional variations, affecting Scotland, in particular. [10:25]
The amount and nature of National Insurance contributions are explained. [13:35]
Pension deductions also have to be taken into account before the final amount of ‘take home pay’ can be calculated. [16:08]
The figures are calculated for a worker earning £22,570 per year / £1880 per month:
The tax to be paid is £1,774.30 for the year (£2,000 minus £225.70, saved on pension payments).
National Insurance contributions will be £1,3324.20.
And the pension contributions will be £1,128.50 for the year.
So, the total deductions for the year are £4,227.
The overall net (‘take home pay’) pay per year is therefore £18,343.
And the monthly amount actually received by the worker, as recorded on their payslip, is £1,528. [19:03]
Simon then highlights the fact that other expenses and payments can be included in payslips as time goes on. The crucial point to note, however, is the importance of checking (at least annually) that you understand your payslip and are confident that you are receiving the expected amount of pay and are making correct income tax and National Insurance etc payments. You are responsible for ensuring that these payments are correct, so it is vital that you get into the habit of checking the figures in order to avoid issues arising at a later date. [21:08]
The next episode in the ‘Key Life Stages’ season will be ‘Buying Your First Home’ while the next ‘Where Your Treasure Is…’ episode to be published (next week) will be all about ISAs (Individual Savings Account). As usual, please get in touch with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via whereyourtreasureispodcast. [23:27]
In the second episode of ‘Practical Financial Planning’ (the third season of the ‘Where Your Treasure Is…’ podcast), Simon and Bex discuss pensions: how they work, the different types and why they are so important.
Some key points of interest covered in this episode include the following:
Simon introduces the topic of pensions and explains the ages at which they can become available. [01:53]
Simon goes on to describe the three different types of pensions that are available: State Pension [04:25]; Occupational Pensions, which are divided into final salary defined benefit schemes [06:00] and career average schemes [07:18]; and Personal Pensions [08:35]
The importance of learning about, and understanding, pensions sooner rather than later is highlighted. [10:11]
Simon draws attention to the fact that the tax arrangements that apply to pensions make them a very effective way of saving money. He goes on to provides examples including some figures and explaining that by paying money into your employer’s pension scheme, you not only gain from money going into your pension pot that would normally be taken away in tax, you also benefit from a significant contribution to your pension fund by your employer. In addition, the arrangements for withdrawing money from your pension (once you have reached the required age) are also beneficial, for example because 25% of your pension money can be taken out without paying any tax. [12:04]
Simon talks about the two main issues that can stop people embracing the opportunities and advantages available through pensions: their complexity; and people’s previous experience of them (especially before 2015). [19:15]
Simon refers to Numbers 8.24-26 when speaking about retirement: ‘This applies to the Levites; men twenty-five years old or more shall come and take part in the work at the tent of meeting, but at the age of fifty, they must retire from their usual duties and work no longer. They may assist their brothers in performing their duties in the tent of meeting, but they themselves must not do the work.’ He suggests that the biblical view of retirement is not that it should be one long holiday but that it can provide an opportunity to serve God in new and different ways. [23:51]
As ever, please get in touch with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via whereyourtreasureispodcast. In Season 3 Episode 3, we will be digging into the only other type of investment product that most people will ever need: the ISA, or Individual Savings Account. We hope that you will join us then. [25:08]
In the second episode of the Key Life Stages season, Simon and Bex discuss various finance related matters that come to the fore when starting a family. As well as covering the significant changes that inevitably occur with the arrival of children, points relating to hybrid families and managing finances jointly are also explored.
Some key points of interest covered in this episode include the following:
Simon explains that he will be considering three key elements in this episode: joint finances; children; and hybrid families. [00:52]
In response to a question from Bex, Simon talks about the importance to family life of couples discussing financial issues and goals so that they can jointly plan and manage their use of money, even if they each have different roles within that process. Simon’s comments on this topic include a quotation from Gary Chapman’s book, Things I Wish I'd Known Before We Got Married [01:52]
Simon describes some of the financial consequences that have been identified in connection with having children. [05:51]
Mention is made of some options that are available for saving or investing on behalf of a child. [08:11]
Various family related financial planning priorities are identified, including the importance of wills, insurance, Power of Attorney arrangements and discussing money matters with your children. [12:12]
Communication is also a key factor as far as hybrid families are concerned, and it is suggested that, within that context, a trusted friend or relative can sometimes provide helpful input. Financial issues that can arise in connection with elderly parents are also mentioned. [14:20]
When making some concluding remarks, Simon highlights how complicated and challenging it can be to try to apply the principle of fairness to money matters affecting our children. [17:45]
The next episode in the Key Life Stages season will be ‘Your First Job’ while the next episode to be published (in a week's time) will be ‘Your Longest Holiday, on the subject of Pensions, in the Practical Financial Planning season. [20:19]
In the first episode of the third season of the ‘Where Your Treasure Is…’ podcast, Simon and Bex explore the importance of establishing clear personal goals before embarking on any kind of practical financial planning.
Some key points of interest covered in this episode include the following:
Simon explains that the practicalities of financial planning need to be preceded by a process of setting clear objectives and goals. [01:45]
Simon uses a spot of role play to illustrate the importance of drilling down into the underlying reason(s) for the financial planning decisions that we make. [02:39]
Simon provides an example of a practical financial planning goal – saving for a family holiday – arising from a life objective of showing love and care for one’s family. [06:10]
Mention is made of various ways of keeping track of money in order to achieve a financial planning goal that has been set. [08:58]
Overall, the aim is not to reduce every life objective to a financial goal, but to ensure that every financial goal is linked to a life objective, as Simon demonstrates with a number of examples. [12:47]
Bex asks Simon what difference it should make to our decision-making that the Bible tells us that 'the earth is the Lord’s and everything in it' (Psalm 24.1) and that we are called to be good stewards of what God has given us. [14:25]
Simon responds to a question from Bex about how to deal with both a deficit and a surplus in our personal finances. [16:29]
Simon concludes by providing examples of ways in which we can use money positively, as a tool. [18:44]
Season 3 Episode 2 will cover the topic of Pensions. As ever, contact can be made with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. [21:04]
In the first episode of Key Life Stages, the second season of the ‘Where Your Treasure Is…’ podcast, Simon and Bex discuss what the priorities should be for people who are starting out on their individual journeys of applying principles of the Christian faith to their own financial planning.
A good understanding of biblical principles, clarity of purpose and effective budgeting are identified as key elements that will help individuals to steward responsibly the money and resources given to them by God.
Some key points of interest covered in this episode include the following:
In response to a question from Bex, Simon explains the vital importance of starting with the bigger picture, your values and objectives before investigating any financial practicalities. [02:51]
Simon goes on to highlight the importance for the Christian of setting a course from the outset which is based on biblical references to money, such as the advisory warning contained in 1 Timothy 6.10: ‘For the love of money is the root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.’ [05:06]
Simon gives examples of the benefits of setting spiritual objectives and then considering how best to use money to achieve those goals, rather than allowing money to become a goal in itself. [06:36]
Simon provides some personal examples of setting priorities and making decisions that have guided his money habits over the years. [10:03]
When moving on to the practicalities of managing money wisely, Simon emphasises how helpful it can be to develop a well considered, realistic and personalised budgeting strategy. [13:27]
Debt is described as being ‘the opposite of budgeting’ and it is noted that sometimes debt issues need to be addressed directly and fully before meaningful progress on a financial planning journey can be made. Expert professional help is available, if required, and Simon would highly recommend the support and services provided by two Christian charities, CAP and Crosslight. [18:58]
Arriving Soon: Seasons 2 and 3 of 'Where Your Treasure Is...'
23 Aug 2022
00:02:54
Co-hosts Simon Glazier and Bex Elder introduce what will be covered in the two new seasons of the ‘Where Your Treasure Is…’ podcast.
Season 2 starts on 31st August and will cover eight Key Life Stages, exploring the main financial decisions and actions that need to be considered in each phase.
Season 3 will provide a deeper dive into Practical Financial Planning, and its first episode will arrive on 7th September. Topics covered will include understanding pensions and ISAs, how to model your financial future, and why and how you might want to invest.
As ever, feedback, questions and requests can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by sending a message on Instagram to @whereyourtreasureispodcast.
S1 Bonus Ep2: Behind the Scenes of the Launch of the ‘Where Your Treasure Is…’ Podcast
16 Aug 2022
00:17:27
In this bonus episode, Mike Elder - who produces 'Where Your Treasure Is...' on behalf of Free Range Podcasting - takes a light-hearted look at some of the technical issues and challenges that Simon and Bex encountered during the recording of the first season of the podcast.
Seven aspects of creating a podcast are covered, as follows:
To produce a podcast, you need sound, and to produce sound you need a microphone (preferably one that is switched on). [02:40]
To hear the sound produced during a recording, you need headphones (preferably a set that don't require pressure to be applied to an electrical connection in order to work). [03:36]
Audio software settings also need to be mastered if good quality sound is to be produced. [05:01]
A very distinctive element of audio recordings and podcasting is the need to neutralise the risk of sounds such as plosives and sibilance creating an unpleasant listening experience. [07:23]
The technical issues aren't restricted to equipment and software, however. The brain also needs to be engaged. [08:00]
And once recording has begun, an alert brain continues to be important if lapses in concentration and delivery are to be avoided. [09:44]
The importance of keeping "the main thing the main thing" is emphasised, particularly as far the show's email address and the name of the show are concerned. [13:08]
Finally, and in the spirit of the rest of the episode, three top tips for navigating the podcasting journey are shared! [15:23]
S1 Bonus Ep1: Practical Giving – Humanitarian Aid Trip to Poland for Ukraine
26 Jul 2022
00:21:27
This bonus episode, following the conclusion of Season 1 of the ‘Where Your Treasure Is…’ podcast, is a spin-off from the fifth episode, ‘Giving’. In it, Simon explains how he came to take part in a humanitarian aid trip to Poland in June 2022. As well as describing the nature and purpose of the journey, Simon reflects on the importance of being open to participating in different types of ‘giving’, including donating our time, energy and support.
Simon explains the nature of his recent trip to Poland to deliver humanitarian aid and how he became involved in it. [00:35]
When asked how this trip ties in with some of the content covered in the ‘Where Your Treasure Is…’podcast, Simon speaks about the engagement with a cause that can arise from giving to it. [05:35]
Replying to a question from Bex, Simon talks about the different ways in which we can give. [10:16]
Simon makes comments in response to a question about how we can decide what we should give in particular situations. [15:13]
Simon talks about the arrangement that his business has adopted in order to ensure that each person in the team can give time to others on an annual basis. [17:22]
Simon concludes by suggesting that there is a ‘grace of giving’ which means that when you participate in a practical way in a ‘giving’ activity, it is likely to have benefits for you, your community and your relationship with God. [20:09]
S1 Ep10 Investing
05 Jul 2022
00:26:04
In this final episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex discuss the topic of Investing: what it is, what the Bible says about it and how to go about doing it wisely.
The following points are among those covered by Simon and Bex in their discussion:
Simon starts off by referring to the Parable of the Talents (Matthew 25.14-18) - also known as the Parable of the Bags of Gold - to illustrate the fact that the Bible describes money as a tool which needs to be used well. [01:12]
However, Simon also goes on to acknowledge that our attitude towards money can be a major obstacle to faith, as can be seen from Jesus’s comment that, “It is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God” (Matthew 19.24; Mark 10.25); this point of view is reinforced by a passage in 1 Timothy 6 (verses 9-11), which includes the statement, “the love of money is a root of all kinds of evil”. [04:09]
Bex asks whether investing money is therefore incompatible with the Christian faith because its aim is to increase how much money a person has. Simon responds by suggesting that the key issue is a person’s attitude, with generosity and obedience to God being crucial, as illustrated by 1 Timothy 6.17-19, with its exhortation to “those who are rich in this present world” to “be generous and willing to share”. This principle is reinforced in Acts 4.34-35, which describes an ongoing pattern of generosity: “from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need.” [05:15]
Simon also mentions that the Bible indicates that it is right to provide for our families (both now and in the future) but, again, the crucial point is to ensure that wealth and money do not get in the way of following God. [06:54]
Moving on from the theological perspective to practical matters, Simon explains that his aim is to provide a framework for understanding how we can, and why we should, put our money to work by investing it. The points that he covers when outlining this framework are as follows: Inflation [08:14]; Bank Accounts [09:52]; Shares and Shareholders [11:27]; and Pensions. [13:30]
Simon then goes on to explain the following key terms and factors that are important to understand in connection with Investing: Asset Classes [15:16]; Tax Wrappers (including ISAs and salary sacrifice arrangements) [18:07]; Investment Funds (including the principle of diversification, to which there is a reference in Ecclesiastes chapter 11!) [20:55]; Risk [21:48]; Time [22:57]; Cost and Fees. [24:01]
Bex notes that the points covered in this episode will be taken up and expanded in one of the two new podcast seasons that will be running after the break being taken over the summer: Season 2 will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage, while Season 3 will focus on practical tasks associated with financial planning. [24:55]
Thank you for listening to Season 1 of ‘Where Your Treasure Is…’
We will be back after a short break, but look out for at least one bonus episode from us in the meantime!
S1 Ep9 Financial Planning for Key Life Stages - Part 2
28 Jun 2022
00:29:43
In Season 1 Episode 9 of ‘Where Your Treasure Is…’, Simon and Bex continue to look at ways in which financial planning strategies can be applied to key life stages. Generic principles grouped together under the acronym PEPSI (Protection; Emergency Fund; Pension, Savings, Investment) are again used to identify financial needs and priorities at each life stage.
Points of particular significance that are covered in this episode include the following:
Having concentrated last time on the first life stage (‘Starting Out’), Simon begins by considering issues associated with ‘Starting a Family’, whether that be establishing a lifelong relationship or having children. [01:29] He highlights the fact that the arrival of children can be a good reason to review matters associated with the principle of protection. [03:09]
Understanding tax, budgeting for a surplus, pensions and investing are among the topics covered when commenting on the third life stage, ‘Your First Job’. [04:21]
When discussing the fourth life stage, ‘Your First Home’, Simon considers property matters ranging from personal priorities for a home to affordability considerations, including the benefits of adopting a cautious and pragmatic approach to buying a home and moving house. [12:30]
Simon suggests that it is worth spending time thinking about protection, pensions, building an effective saving habit and investing during the fifth life stage, ‘Career Progression’. [16:07]
When speaking about life stage six, ‘Getting Ready for Retirement’, Simon gives the following tips: (i) get organised and gather together all of the relevant information (ii) check your state pension (iii) make specific plans regarding how you want to spend your retirement (iv) aim to make the financial transition to retirement as smooth as possible (eg by bolstering your pension during the final 5-10 years when you are working). [20:07]
Talking about ‘Retirement’ itself, Simon highlights the importance of checking carefully all of your pension and national insurance details, as well as prioritising your health. [23:21]
The final life stage, ‘End of Life Planning’, involves not only putting your affairs in order but also simplifying your finances, leaving behind clear information (including a will and power of attorney arrangements) and considering whether you wish to, and are able to, make some financial gifts while you are still alive. [24:55]
The episode concludes with an explanation of the two new seasons that will be launched, following a break after the conclusion of season 1. One season will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage; the other season will focus on practical tasks associated with financial planning, with the aim of making topics accessible and relevant for listeners. The final episode of the current, introductory season will be ‘Investment Strategies’, which will look at some essential points that can assist people to invest wisely. [28:06]
S12 Ep1 Family Matters: Spouses / Romantic Partners
27 Jan 2026
00:23:37
In the first episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that have particular relevance and significance for spouses and romantic partners who are in committed, long-term relationships.
Some key points of interest covered in this episode include the following:
Simon and Bex introduce the new season and draw particular attention to the interplay between finances and relationships that will run through it. [00:33]
Opening up the topic of financial matters relating to spouses and long-term romantic partners, Simon outlines his reasons for recommending that people in those kinds of relationships should combine their finances. [03:03]
Key elements that are vital to merging finances successfully include good communication, openness, an appreciation that people take different approaches to dealing with money and good budgeting practices. [05:57]
Bex mentions that CAP (Christians Against Poverty) run excellent budgeting courses for individuals or couples looking to acquire skills in that area. [11:00]
Speaking about our relationship with money, Simon notes that ‘our heart’ can often help us discern how much is appropriate to spend in a particular circumstance. In addition, ‘practice’, experience and welcoming input from others can all help us to make thoughtful and appropriate adjustments to our spending habits. [12:58]
There are elements, such as pensions and ISAs, that have to be apportioned individually, but Simon suggests that a key principle should be to approach family finances holistically. [14:46] And in that context, the focus and aim should not be on the material goal of maximising household income but on the family priority of maximising household value. [16:18]
Planning, preparation and, most of all, communication are vital elements to include when looking ahead to the potential financial implications of the death of a partner or spouse. [19:01]
In his closing comments, Simon suggests that the allocation of ‘pocket money’ can be a really helpful way of introducing flexibility, individual discretion, trust and clear expectations into shared financial arrangements. [20:16]
Next week’s episode will focus on managing our finances with children in the mix. [23:12]
S1 Ep8 Financial Planning for Key Life Stages - Part 1
21 Jun 2022
00:21:44
In Season 1 Episode 8 of ‘Where Your Treasure Is…’, the focus is on ‘Financial Planning for Key Life Stages’.
Foundational principles are explored by considering the situation faced by those who are starting out on their financial journey, but those principles are generic and are relevant for listeners whatever their life stage may be.
Specific points of interest covered in this episode include the following:
The podcast has attracted a wide audience from all stages of life, so the aim of this episode is to identify some key principles that will be relevant and useful for listeners regardless of the particular stage that they have reached in their own financial journey. [01:00]
Simon refers to the acronym PEPSI to identify the generic principles that can be used to assess our financial needs and priorities at each stage of life: Protection; Emergency Fund; Pension, Savings, Investment [03:25]
It is noted that while debt management does not appear as a category in its own right, it is an important “thread” that runs through all life stages and requires appropriate attention to avoid issues arising. [04:18]
Simon explains the meaning of ‘Protection’ in a financial planning context. [05:53]
Bex provides a list of eight life stages that each have their own distinct financial circumstances and would therefore benefit from having the five core principles applied to their specific needs and priorities. [06:23]
Simon describes the first group identified by Bex: individuals who are “starting out’ on their financial journey. [07:09] He then goes on to analyse the relevance and usefulness of each element of the PEPSI approach to their situation: Protection [07:51], including a discussion about what a Christian’s attitude should be towards Insurance [10:23]; Emergency Fund [13:52]; Pension, Savings and Investment [17:23]
Simon provides some closing observations that he hopes will be helpful for each of us as we endeavour to take forward our own financial journeys well. [19:55]
The next episode of ‘Where Your Treasure Is…’ will continue the financial planning theme, covering the remaining key life stages and applying the PEPSI principle to them. [21:25]
S1 Ep7 Negative Money - Part 2
14 Jun 2022
00:24:58
In Season 1 Episode 7 of ‘Where Your Treasure Is…’, Simon and Bex continue to explore the theme of ‘Negative Money’, a term used by Simon to prompt us to think about various kinds of debt and borrowing that can be part of our financial experience these days.
Some key points of interest covered in this episode include the following:
Initially, a quick recap of Part 1 of this topic is provided. [01:02]
Some points to consider regarding bank overdrafts are put forward. [02:49]
When discussing credit cards, it is acknowledged that they can be useful, but Simon suggests that they should be treated with caution and an awareness that they can prove problematic if they are not managed carefully. [04:37]
Bex and Simon talk about various kinds of loans, and issues associated with them, [09:14] before Simon goes on to remind listeners of the two key questions to ask when considering the possibility of taking on any kind of debt. [11:31]
Specific points relating to student loans are considered. [12:33] Simon highlights the fact that we are our own most valuable financial asset (because of our ability to work, earn money etc), so it can be a “good debt” to invest in our education, health and personal development. [14:51]
Bex asks Simon about “buy now, pay later” arrangements (including those offered online by Klarna) and whether we should consider them to be good or bad debt options. [17:06]
Simon talks about ‘snowballing’ approaches to paying off multiple debts. [19:56] If, however, attempts to manage debt are unsuccessful, very helpful information and advice can be provided by Christians Against Poverty and Citizens Advice [23:35]
In next week’s episode of ‘Where Your Treasure Is…’, the topic under discussion will be ‘Financial Planning for Key Life Stages’. [24:30]
S1 Ep6 Negative Money - Part 1
07 Jun 2022
00:24:51
In Season 1 Episode 6 of ‘Where Your Treasure Is…’, Simon and Bex consider the topic of ‘Negative Money’, a term used by Simon to prompt us to think about various kinds of debt and borrowing that can be part of our financial experience these days.
A key theme running through the show is the importance of being able to distinguish between “what we need” and “what we want”.
Some key points of interest covered in this episode include the following:
In response to a question from Bex, Simon explains why he has chosen to call the episode ‘Negative Money’ rather than ‘Debt’. [00:48]
Bex asks Simon what kinds of financial transaction he would include under the heading of ‘Negative Money’. [01:48]
As his starting point for opening up a discussion about debt and borrowing, Simon comments on the Shakespearean quotation: “Neither a borrower nor a lender be”. [02:50]
Simon highlights the following verses from the Bible which mention debt and borrowing: Deuteronomy 15.1-15; Proverbs 22.7 (“The rich rule over the poor, and the borrower is slave to the lender”); Romans 13.8 (“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.”) [04:55]
Three key principles arising from biblical teaching on debt are identified: try to avoid getting into debt; if you are in debt, try to get out of it as soon as possible; if you can make a payment to reduce or remove debt, do so. [06:44]
Bex comments that it is virtually impossible to avoid debt in contemporary society and asks Simon whether all debt is bad. [08:19]
Simon talks about mortgages as a means of considering issues raised by a couple of key questions: Does God want me to borrow money in certain circumstances? Can there be such a thing as a “good debt”? [09:43]
Bex asks Simon to apply the “good debt” principles that he has identified to another significant purchase: buying a car. [13:54] As part of his response, he highlights the importance of recognising the difference between “what we need” and “what we want”. [14:59]
Affordability (in this case, of a debt rather than of an item being purchased) is identified as another key point that needs to be taken into account in this area, along with the associated “risk and reward” considerations. [18:44]
However, even if careful decision making has taken place, with the aim of managing any possible risks, financial shocks can still happen. In such instances, Christians Against Poverty and Citizens Advice can be invaluable sources of information and advice. [22:09]
The next episode of ‘Where Your Treasure Is…’ will continue the theme of ‘Negative Money’, including some thoughts on how to get out, and then stay out, of debt. [23:53]
S1 Ep5 Giving
31 May 2022
00:27:30
In the fifth episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex take a deeper dive into the topic of Giving. They consider what the Bible says about the subject and discuss how various key points should be interpreted. Simon outlines his own thoughts and practice in this area with the aim of providing listeners with some points which may be helpful to them as they consider this aspect of their finances.
Key points that are covered in this episode include the following:
• Bex invites Simon to share his thoughts about tithing, a topic which can prompt a fair amount of debate among Christians. [03:09] Bible verses to which he refers when discussing the principles behind tithing, and how we should interpret them, include the following: Matthew 23.23 where Jesus endorses tithing but stresses that it must be accompanied by principled living and a focus on justice and mercy [07:24]; Mark 12.41-44 (the widow’s offering) as an example of proportionate and sacrificial giving [08:10]; 1 Corinthians 16.1-2 to highlight the importance of planned and regular giving [09:32]; and 2 Corinthians 9.6-13 as a passage that draws attention to the joy and blessing that is widely experienced when God’s people are generous in their attitudes and behaviour. [10:56]
• Simon comments that much of what he has been saying can be summarised as follows: “It's not about how much we give but about what we do with the how much that we have been given." [13:01]
• Simon explains the practices that he has adopted in this area in the hope that they will provide listeners with a helpful starting point for their own reflections on the topic. He covers the following points: (1) To whom should we give? [13:59]; (2) When should we give? (Part 1 – in general terms) [15:11]; (3) When should we give? (Part 2 – dealing more specifically with the practicalities of regular giving) [16:38] (4) How should we give? (Part 1 - the benefits of a standing order) [17:32]; (5) How much should we give? [19:18]; (6) How should we give? (Part 2 – the advantages of Gift Aid) [21:55]; (7) How can we factor in irregular giving? [24:14]; (8) How can we involve our family in this area? [25:10]
• In response to a question from Bex, Simon provides some thoughts on how people might start giving if this is something that they haven’t done before and they are finding the issue quite daunting. [20:27]
• Simon indicates that he is very happy to take queries and requests for further information from listeners on this topic. This can be done by emailing whereyourtreasureis@freerangepodcasting.co.uk [26:26]
• We would love you to join us for the next episode of ‘Where Your Treasure Is...’, when our theme will be 'Negative Money', covering topics such as Debt, Loans, Credit Cards, Overdrafts, Mortgages and Buy Now Pay Later. [26:58]
S1 Ep4 Foundations of Faithful Finance
24 May 2022
00:25:43
In the fourth episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex consider the key topic of Foundations of Faithful Finance, first of all from an individual point of view, and then by looking at five foundations that everyone can use when managing their finances.
Key points that are covered in this episode include the following:
• In response to a question from Bex, Simon identifies three elements that are at the heart of his endeavours to be faithful to God in the way that he deals with his finances: faith, family and philanthropy. [00:53]
• He goes on to explain what he means by ‘philanthropy’. [01:36] (NB Despite describing his core values as the three ‘F’s, Simon does know how to spell ‘philanthropy’. 😉)
• Simon observes that while the composition of the foundations of faithful finance are likely to differ from person to person, the faith aspect – our relationship with God – should always come first. He uses the following Bible verses to illustrate that point: “To obey is better than sacrifice” 1 Samuel 15.22; “Woe to you, teachers of the law and Pharisees, you hypocrites! You give a tenth of your spices – mint, dill and cumin. But you have neglected the more important matters of the law – justice, mercy and faithfulness. You should have practised the latter, without neglecting the former.” Matthew 23.23 [03:16]
• Simon provides thoughts on the relationship between faith and finance, which can be very challenging in this day and age when money is given such prominence. [07:06]
• Simon goes on to speak about the challenge of giving family its rightful place as one of his priorities when it can be so easy to persuade yourself that establishing financial security for your family is the best way of achieving that goal. [08:20]
• It is acknowledged that not everyone will have philanthropy as one of their personal, faith-related, financial priorities, with Simon explaining that he regards it as a specific and particular ‘gift’ entrusted to him by God, along the lines outlined in Roman 12.6-8: “We have different gifts, according to the grace given to each of us. If your gift is prophesying, then prophesy in accordance with your faith; if it is serving, then serve; if it is teaching, then teach; if it is to encourage, then give encouragement; if it is giving, then give generously; if it is to lead, do it diligently; if it is to show mercy, do it cheerfully.” [10:55]
• Simon lists five foundations of faithful finance that are applicable to everyone and will be explored in future episodes: Budgeting [14:08]; An Emergency Fund [15:48]; Compound Interest [16:47]; Protection [18:33]; Pensions [20:20]
• Four more topics will be covered during this first season: Giving; Negative Money; Life Stages in Financial Planning; and Investment Strategy. These themes will also be developed in future episodes, with Season 2 concentrating on the Life Stages strand. [22:34]
• The priority, however, continues to be to provide content that is genuinely useful to our listeners, so please contact us at whereyourtreasureis@freerangepodcasting.co.uk with any feedback, requests, queries or suggestions. [24:00]
• You are warmly invited to join us for the next episode of ‘Where Your Treasure Is...’, which will focus on Giving. [25:26]
S1 Ep3 What is Financial Planning?
17 May 2022
00:27:50
In this episode of ‘Where Your Treasure Is...’, Season 1 (Foundations of Faith & Finance), Simon and Bex discuss Financial Planning and its potential benefits for anyone wanting to manage their money wisely and effectively. They comment that a key point to note is that it is important to establish personal priorities at the outset so that finances can then be used to achieve relevant and desirable goals.
Points that may be of particular interest in this episode include the following:
In response to a question from Simon, Bex provides two examples from the Bible of references to planning involving finances: (1) Jesus’ illustration of the need to calculate the overall costs before starting to build a tower, Luke 14.28-30; (2) the Parable of the Rich Fool, Luke 12.16-21 [01:36]
Simon explains that although the passages seem to be at odds with each other, they make sense when interpreted in context: one is highlighting the need to count the cost before undertaking a venture; the other is warning of the dangers of greed and placing trust in wealth and possessions. In a broad sense, they each deal with financial planning issues but, in each instance, they do so in a distinctive, specific manner which needs to be understood in its own right. [03:13]
Simon provides an overview of what financial planning is, going on to comment that it can enable us to use today’s money to meet not only today’s needs but also the needs that we (and possibly others linked to us) may have in the future. [04:59]
Simon comments that financial planning does not start with money! Instead, it begins with a clear understanding of what we consider our purpose in life to be and what our priorities are. [06:37]
Simon talks about a common purpose that he thinks that all Christians share: to worship and glorify God. He then goes on to outline specific purposes to which he feels that God has called him, such as devoting himself to his marriage, family and relationships, and also using his financial skills to create wealth so that it can be passed on to others. [08:19]
It is recognised that not everyone will be absolutely clear about all aspects of their purpose and priorities in life; financial planning is, nevertheless, relevant and important for all of us because it can help us to explore the relationship between our faith and our possessions, prompting us to consider how we can become the best possible stewards of what we have. [10:03]
Simon observes that the type of financial planning that we do depends on our stage in life. Whatever our circumstances, though, Simon would encourage us to have open and natural conversations about money. [12:26]
Simon explains the difference between financial planning and financial advice. The former continually bears in mind the overview of an individual’s finances, taking into account their values, principles and priorities; the latter adopts a more ‘technical’ approach, concentrating on the practicalities of how to set up effective financial processes, where to invest etc. [17:05]
Simon goes on to comment that it is generally better to get some kind of assistance and external input when dealing with matters relating to financial planning and advice but stresses that, much of the time, this does not need to come from experts. Conversations with others and reference materials (including podcasts!) can be very helpful in this area. This topic will be developed in future episodes but, as an example of the way in which financial matters can be simplified, Simon mentions that a work pension and an ISA can meet the core needs of most people in the UK. [18:18]
When asked who should use a financial planner, Simon comments that large and complex financial arrangements may require that kind of input and that it can also be very helpful when planning for retirement. [20:09]
However, everyone can undertake basic and important financial planning that will give them a good foundation for managing their money. The earlier that people can start doing this the better [21:11]
How often should a financial plan be updated? [22:11]
And how do we make a plan resilient so that it can cope with unforeseen circumstances? [23:47]
For anyone who is in the category that Simon mentions of looking for assistance in response to finding themselves in financial difficulties [26:25], Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone.
In the second episode of ‘Where Your Treasure Is...’, Season 1 (Foundations of Faith & Finance), Simon and Bex explore what the Bible has to say about money.
Key points covered include God being the creator and owner of all things, with our role being one of stewardship: to be wise, faithful and responsible managers of the wealth and possessions entrusted to us.
Specific points of interest in this episode include the following:
Simon starts by observing that the Bible has a great deal to say about money, referring to it in many different contexts and highlighting regularly its relevance and significance for us. [01:04]
The aim of this episode is to provide an overview of key themes relating to money that are mentioned in the Bible in order to establish a foundation for topics that will be covered in greater depth in future episodes. [02:41]
The first key theme is that God is the creator and owner of all things. Bible verses: “The earth is the Lord’s, and everything in it” Psalm 24.1; “To the Lord your God belong the heavens... the earth and everything in it” Deuteronomy 10.14; the Parable of the Talents, Matthew 25.14-30; “Everything comes from you, and we have given you only what comes from your hand” 1 Chronicles 29.14; “Who has ever given to God, that God should repay them? For from him and through him and for him are all things.” Romans 11.35-36; “But seek first his kingdom and his righteousness, and all these things will be given to you as well.” Matthew 6.33 [03:33]
‘Stewardship’ seems to best describe the biblical relationship between mankind and money: God delegates authority and responsibility to us for what he has given us but also holds us accountable for the way in which we do that in practice. Bible verses: “The highest heavens belong to the Lord, but the earth he has given to the human race.” Psalm 115.16 (see also Genesis 1.28 and Psalm 8.6); the Parable of the Talents, Matthew 25.14-30; “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.” Luke 12.48; "For we must all appear before the judgement seat of Christ, so that each of us may receive what is due to us for the things done while in the body, whether good or bad." 2 Corinthians 5.10 [06:17]
The Bible’s attitude towards debt is explored, highlighting some of the implications of being in debt and possible responses to being in that situation. The discussion also considers briefly the nature of ‘debt’ in modern society and some of the different ways in which it is handled. [10:39]
For anyone for whom debt is a current issue, Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone. [15:01]
Honesty runs through the Bible as a key principle, which can be challenging in modern society where we can often be tested on matters of integrity relating to financial matters. [15:43]
Another key biblical principle is the importance of generosity and giving to others. It can be hard for us to get our heads fully around what the Bible says about giving; in addition; it is not always an easy topic to discuss in a church setting. It is, nevertheless, of crucial importance, especially as – through ‘the grace of giving’ - it can be a means by which blessings can be experienced not only by the recipients of gifts but also by those who give. [19:07]
Contemporary financial topics – such as saving options and investments – will be covered during the podcast. In addition, matters relating to retirement – a concept that does not feature strongly in the Bible – will be discussed against a backdrop of established biblical principles and priorities. [24:30]
The Bible also covers topics such as budgeting, financial planning, teaching our children about money, taxation and lifestyle – these will also be explored with the aim of helping listeners to develop a clear understanding of modern financial planning, supported by a strong biblical foundation. [25:24]
The next episode will focus on Financial Planning. [27:18]
In this first episode of ‘Where Your Treasure Is...’, Simon and Bex go back to basics and open up a discussion about what money actually is and how it can affect our attitudes towards financial matters. Three core principles that can help to shape our thinking about money are identified as being as follows: (1) Everything belongs to God – He is the originator and true owner of wealth (2) Our role is to be good stewards of the wealth and possessions entrusted to us by God, managing them faithfully and effectively on His behalf (3) If we demonstrate that we can be trusted to use resources in a godly manner, we may well find that further responsibilities of that nature come our way.
Overall, the healthiest approach that we can take in this area is to look to God as our Provider first and foremost rather than focusing attention on money in its own right, which is likely to lead to worry and a sense of dissatisfaction.
Specific points of interest in this episode include the following:
Simon explains the history of money and comments that it originally used items, such as gold, that were regarded as possessing their own intrinsic value and could therefore be used as a medium of exchange. [02:36]
In the modern world, however, money has developed more into a ‘promise’ which is usually processed in a digital manner rather than existing in a physical format. [04:46]
Our attitudes to, and appreciation of, money can be affected by the fact that it has become a fluid concept and can often be ‘virtual’ in form when we encounter it. [06:47]
Education and experience are important in helping us to understand how money works. [08:38]
Simon talks about the emotion around, and the ‘value’ of, money, noting that the Bible comments regularly on the significance and impact of our habits and attitudes in this area. [09:49]
Bex gives the story of the Rich Young Ruler (Matthew 19: 16-30; Mark 10: 17-31; Luke 18: 18-30) as a biblical example of someone who put his trust in the wrong place. [10:48]
Simon observes that people can find that money on its own does not necessarily fix major concerns in life, such as health and relationships, and that is why this podcast explores what we should value as ‘treasure’, and how our money and possessions should then fit into that perspective. [11:38]
Simon speaks about using money as a tool to support our own values and priorities rather than focusing on it as an end in itself. [14:04]
Simon asks Bex about her purpose in life to illustrate a key issue underpinning the choices that we make in connection with our use of money. [16:07]
Bex observes that widely varying attitudes towards money can be prevalent in churches and asks Simon for his thoughts on that point. [18:31]
Simon comments that there are basic principles that are important when trying to arrive at a biblical understanding of how we should deal with money. The first is recognising that God owns all things and that everything we have is a gift from Him. (Psalm 24:1 “The Earth is the Lord’s and everything in it.”) [20:11]
The second principle is Stewardship, the idea that we don’t actually ‘own’ our money and possessions; instead, we look after and manage them on behalf of God. [21:11]
Thirdly, there is the Trust and Test principle, which prompts us to be faithful and conscientious in the manner in which we handle any wealth or possessions entrusted to us by God. [22:31]
Simon concludes by highlighting the fact that the Bible talks about worry being the outcome when people make money their focus. Instead, the best foundation for developing good practices and attitudes in our personal finances is to look to God, first and foremost, as our Provider. [24:38]
The next episode will explore what the Bible has to say about money. [26:39]
Podchaser Reference Code:
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'Where Your Treasure Is...' Trailer
07 May 2022
00:02:33
The 'Where Your Treasure Is...' podcast has been designed to provide information and ideas for anyone wishing to understand principles that can help Christians to be faithful and effective in their use of money.
In this introduction to the show, co-hosts Simon Glazier and Bex Elder pose some initial questions for listeners to set the scene, before going on to introduce themselves: Simon is an award-winning financial planner who now runs his own business while Bex is a freelance writer and translator who also works one day per week for her church as its Assistant Youth Pastor.
Simon concludes the trailer by explaining that he and Bex will be exploring financial principles that they see in the Bible and will be discussing how these can be applied to our lives and financial situations.
The show launched on Wednesday 11 May 2022, with subsequent episodes appearing weekly, apart from when short breaks are taken between seasons.
S11 Bonus Ep2 Talking Faith and Finance with Stew Denholm, Bank Manager
13 Jan 2026
00:22:03
In the second bonus episode of this ‘Good with Money’ season, Stew Denholm, Relationship Manager at Bank of Scotland, speaks in a personal capacity about banks, their role in our lives and the ethical principles that underpin best banking practice.
Some key points of interest covered in this episode include the following:
Stew introduces himself and talks about his Christian upbringing. [01:13]
Stew then goes on to describe how he became involved in the banking sector. [03:43]
In response to a question from Simon, Stew explains the nature of his role, working on financial projects with healthcare professionals. [06:19]
Simon’s follow-up question is about the requirement for a bank to make a profit, prompting Stew to explain how a strong ethical approach can be entirely consistent with that goal. [08:26]
Stew then provides some comments, in response to a question from Bex, outlining some steps to take in order to ensure that any loan undertaken is appropriate and manageable. [10:35]
When asked about the attitudes displayed by those requesting loans, Stew highlights the benefits of deliberately seeking out advice rather than assuming that current knowledge will be sufficient. [12:37]
As far as expressing his faith in the workplace is concerned, Stew emphasises the importance of consistently demonstrating integrity and honesty, especially when the awkward moments and difficult conversations come along. [14:29]
Stew acknowledges that there has been a stereotypical image of banks dealing very formally with customers, but his experience and practice is that banks now make it their top priority to be client focused and to deliver really high quality services. [16:09]
When given the opportunity to share some final thoughts, Stew talks passionately about stewardship and generosity being two key principles that are the hallmarks of how he aspires to use the money with which he has been entrusted by the Lord. [17:56]
The focus of Season 12 of the podcast will be on financial issues around ‘family matters’, with the first episode dropping on 28 January 2026. [21:09]
S11 Bonus Ep1 Talking Faith and Finance with Caralyn Nolan, Former Insolvency Accountant
09 Dec 2025
00:25:34
In the first bonus episode of this ‘Good with Money’ season, Caralyn Nolan, a former Insolvency Accountant, shares thoughts about the issues created by out of control debts and some ways of dealing with the difficult situations that they create.
Some key points of interest covered in this episode include the following:
Caralyn introduces herself, speaks about how she became a Christian and explains how her involvement in the insolvency profession came about. [01:19]
Next, Carolyn describes the nature of the role that she fulfilled and the importance of being thorough but also sensitive when carrying out required tasks. [04:19]
When asked about the factors that can lead to people finding themselves in significant debt, Caralyn explains that these can be wide-ranging and that situations can spiral downwards very quickly if they are not addressed directly. [07:13]
Caralyn talks about the impact on individuals and those around them of a formal debt-related process, highlighting that the consequences can often be particularly unexpected and distressing for family members and employees. [11:20]
In response to a question from Simon, Caralyn explains the circumstances under which bankruptcy might be viewed as an expedient, or even an appropriate and helpful, course of action. [13:36]
Caralyn emphasises the importance of honestly acknowledging debt problems when they arise and of communicating promptly and well when seeking assistance to deal with them. [15:43]
Certainly, the earlier that formal debt support activities, from the likes of Christians Against Poverty (CAP), can be triggered the better. [17:51]
When asked about approaches that can lead to faith and finance interacting well, Caralyn referred to 2 Peter 1.5-8: “For this very reason, make every effort to add to your faith goodness; and to goodness, knowledge; and to knowledge, self-control; and to self-control, perseverance; and to perseverance, godliness; and to godliness, mutual affection; and to mutual affection, love. For if you possess these qualities in increasing measure, they will keep you from being ineffective and unproductive in your knowledge of our Lord Jesus Christ.” The development of such qualities, Caralyn suggests, will result in a greatly increased likelihood of managing our money well and responsibly. [18:23]
Jesus' parable of the tower builder in Luke 14.28-30 is also helpfully pragmatic in the context of taking on risk, and business risk in particular. [19:41]
When asked for her thoughts on living lives characterised by integrity, Caralyn suggests that intimacy with Jesus is a key element, mentioning John Mark Comer’s ‘Practicing the Way’ as a resource that she has found very helpful. [20:52]
When drawing her comments to a close, and prompted by some reflections that had featured in Lectio365 that morning, Caralyn quoted from Isaiah 35.3-4: “Strengthen the feeble hands, steady the knees that give way; say to those with fearful hearts, Be strong, do not fear; your God will come”. It is not easy to take advice, but having the courage to step up and be open about issues will go a long way to addressing any difficult situation in which we find ourselves. [22:40]
In the final episode of this ‘Good with Money’ season, Simon and Bex discuss how we can ‘be good with money’ and ‘do good with money’ when dealing with various family-related financial topics.
Some key points of interest covered in this episode include the following:
Bex and Simon explain that their aim in this episode is to provide an overview of family-related matters which can pose challenges for us as we endeavour to use our money wisely and responsibly in such contexts. Because so many such situations of this nature have been identified, this theme will form the basis of the next season (Season 12) of the podcast. [00:33]
The first topic to be mentioned is the challenge for single people of working out individually how to develop relevant and appropriate money management habits. [01:52]
Those who are on the point of getting married / committing themselves to a future with another person have particular points to consider, including how best to share and combine finances. [02:58]
The importance of money for those who do get married is highlighted by the fact that statistics suggest that finances are a major factor in most marriages that break down. [03:58]
Having children inevitably has many money-related consequences which, ideally, would be discussed in advance. [05:01]
Being a positive role model for our children in the way that we view money and use it is another important challenge to take on. [05:53]
Another major area of focus is likely to be the relationship that we have with our parents and how finances feature within that, not least because levels of dependency can change so significantly over time. [06:49]
Caring for others within a family context can often have significant implications on the resources that we have, including our time and money. [09:26]
In some contexts, intergenerational family planning can be very worthwhile but it needs to be handled carefully and appropriately. [12:56]
While acknowledging that it can be a difficult topic to address, Simon highlights the benefits of making appropriate and detailed end of life arrangements to cover personal, practical and financial matters. [15:31]
In response to a question from Bex, Simon talks about the financial elements that can arise in connection with divorce or separation. One option that aims to create a constructive environment for decision-making in such circumstances is the possibility of involving collaborative lawyers, who will endeavour to find outcomes that are acceptable to both parties. There are also collaborative financial planners who can support that type of process as well. [18:00]
Simon and Bex warmly invite listeners to send in comments, thoughts and questions that will help to frame our next season, during which the topics touched upon in this episode will be discussed further. [22:05]
A couple of bonus episodes will be published over the next few weeks, and then Season 12 will launch at the end of January. [22:41]
In Episode 7 of this ‘Good with Money’ season, Simon and Bex discuss the different kinds of ‘Insurance’ that are available and what our attitude to them should be.
Some key points of interest covered in this episode include the following:
When providing an overview of types of insurance [01:14], Simon begins with car insurance because it is widely familiar to people as a result of it being a legal requirement for driving in the UK. [01:44]
Home insurance is also very common and offers a range of options, depending on an individual’s circumstances. [03:39]
The extent to which someone requires life insurance is also determined by circumstances, including whether or not anyone else is financially dependent on that person. [05:10]
When it comes to health insurance, there are four main types: critical illness insurance [08:13]; income protection [09:20]; accident, sickness and unemployment insurance [10:41]; and private medical insurance [11:23].
In response to a question from Bex, Simon talks about the contexts in which pet insurance might be considered. [12:11]
The final main type of insurance is holiday insurance. [13:46]
Bex explains how ’excess’ payments work and how they can reduce the premium paid when buying insurance. [15:10]
Simon explains the concept of ‘group risk’, which underpins the insurance system. [17:07]
Simon shares some thoughts on how we might decide whether or not we need insurance in particular instances. On some occasions, for example, it may be more cost effective for us to ‘self-insure’. [19:12]
When asked what the ‘Christian’ response to this topic should be, Simon suggests that, if we can afford it, insurance can be an effective way of helping us to avoid unmanageable crises and to steward our resources well. [21:54]
In the final episode of this season, the focus will be on financial issues around ‘family matters’, which will lead on to further coverage of that theme in Season 12. [25:17]
In Episode 6 of this ‘Good with Money’ season, Simon and Bex discuss how we should navigate the issue of debt on our money journey.
Some key points of interest covered in this episode include the following:
Simon starts off by explaining why debt is a relevant and important topic for all of us. [00:33]
Simon talks about ‘good debt’ and ‘bad debt’, highlighting the importance of being able to distinguish between our ‘needs’ and our ‘wants’. [03:29]
Another important skill is to be able to discern between ‘manageable debt’ and ‘unmanageable debt’, and to organise our financial affairs accordingly. [05:43]
When reviewing what the Bible says about debt, Bex and Simon comment on the following verses: Romans 13.7-8, ‘Give to everyone what you owe them: if you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honour, then honour. Let no debt remain outstanding, except the continuing debt to love one another.’; Matthew 5.42, ‘Give to the one who asks you, and do not turn away from the one who wants to borrow from you.’; Matthew 6.12, ‘And forgive us our debts, as we also have forgiven our debtors.’; Proverbs 22.7, ‘The rich rule over the poor, and the borrower is slave to the lender.’ [08:16]
Simon explores the various ways that we can get into debt and highlights behaviours (including distinguishing between ‘needs’ and ‘wants’ and talking to others about our spending habits) that can help us to steer away from unmanageable debt. [11:30]
In response to a question from Bex, Simon explains how the concept of delayed gratification – deliberately waiting until costs have been covered before enjoying something – can help us not only to spend within our means but also to gain pleasure from the anticipation of looking forward to something that has been paid for. [18:42]
In his closing comments, Simon speaks about how we can be good with money and do good with money when dealing with the topic of debt. [21:10] He also mentions ‘Christians Against Poverty’ and ‘Citizens Advice Scotland’ as two highly respected organisations that can provide assistance to individuals struggling with unmanageable debt. [22:18]
Wrapping up the episode, Bex draws attention to previous podcast episodes about ‘Debt’. In particular, the content covered in Episodes 6 and 7 of Season 1 and Season 7 Episode 3 could provide some additional useful listening material. [24:21]
Next week’s episode will focus on the topic of ‘Insurance’.
When it comes to our attitude towards taxes, Simon and Bex note the importance of recognising how much we as individuals, and also society as a whole, benefit from the UK’s taxation arrangements. [05:04]
For its part, the Government has made a priority of explaining how taxes are used, with HMRC publishing detailed information about the expenditure that has been made possible through taxation. [06:55]
Simon suggests that the ‘right’ amount of tax to pay should be based on honest and accurate personal financial information, combined with any valid reductions that can be applied for specific, recognised purposes. [08:24]
To illustrate the challenge that the Government faces in trying to make the tax system efficient and effective, Simon talks about the Laffer Curve, explaining that it shows how individuals and businesses alter their behaviour in response to changing tax rates. [09:49]
References to tax in the Bible include the following: Jesus saying that we should give to Caesar what is Caesar’s and give to God what is God’s (Matthew 22.15-22); Jesus providing a coin from a fish to pay the temple tax (Matthew 17.24-27); and Paul saying that it is right to pay taxes (Romans 13.6-7). [12:20]
Simon explains the difference between tax evasion and tax avoidance: the former means that the right amount of tax is not being paid, which is illegal; the latter is sanctioned, and indeed promoted, by the Government in order to prompt people to participate in specific schemes (eg investing in their pensions) that - over the long term - will produce better outcomes for the government, for society and for the individual. [17:59]
Simon suggests that our default position should be to obey the law by paying the taxes that we owe. If we are unhappy about the amount of tax that we can pay, we can look into allowable, practical ways of improving our individual circumstances, and we can also engage with the politics of the situation by lobbying for change. [20:18]
In Simon’s concluding remarks, he encourages us to be deliberate, thoughtful and prayerful in this area while also seeking practical advice, as appropriate. [21:59]
Next week’s episode will explore the very important topic of ‘Debt’. [23:37]
In the fourth episode of this ‘Good with Money’ season, Simon and Bex talk about the key role that pensions can play in assisting us to manage our money well, right through to the end of our lives.
Some key points of interest covered in this episode include the following:
Simon outlines what a pension is [04:18] and then goes on to describe different types of pension, including the state pension, the defined benefit workplace pension, the Career Average Revalued Earnings pension and personal pensions. [06:17]
Drawing on her own experience, Bex notes that personal pension providers have become adept at simplifying and streamlining pension arrangements for their customers. [09:18]
In response to questions from Bex, Simon talks about the different factors that can influence our pension-related behaviour ranging from being in our 20s (when any pension contributions can ultimately yield a high return) [12:39], then progressing into the very busy and expensive middle stage of life [15:50], and finally into the pre-retirement phase. [19:33]
For some people, the pre-retirement period can be a helpful time to seek professional financial advice. [20:14] Among the options that can be worth considering at this time are exploring the possibility of phased, or even ‘multiple’, retirements [22:05] and proactively planning the detail of what we would like our retirement to look like. [23:29]
Concluding his comments, Simon stresses the importance of having a realistic and effective plan to manage money throughout retirement, for however long that may last [24:17]. He also notes the invaluable benefits, to family members in particular, of being organised and communicating well when it comes to putting our affairs in order in preparation for the end of life. [25:56]
After a week’s break, our next ‘Good with Money’ episode will be on the theme of ‘Taxes’. [27:13]
S13 Bonus Ep1 Talking Faith and Finance with Lucy Peppiatt, President of WTC Theology
09 Jun 2026
00:31:34
In the first bonus episode of Season 13, Lucy Peppiatt, President of WTC Theology, shares insights derived from her research into what the Bible says about money, including how women fit into that overview.
Some key points of interest covered in this episode include the following:
Lucy introduces herself [01:21], comments on being a ‘theologian’ [02:39] and explains how she became a Christian. [03:54]
Lucy describes the steps that led to her current role as President of WTC Theology and writing her first book, ‘The Disciple’. [06:34]
In response to a question from Bex, Lucy talks about how she came to focus on what the Bible says about women [09:19] and goes on to share some examples of women in the Bible and the early church who had interesting interactions with money, wealth and possessions. [11:37]
Lucy highlights how relevant the Bible remains today on financial matters, particularly with its main message that if you are a Christian, you need to be aware of the people around you who are in need, and you need to be prepared to meet that need. Furthermore, the Bible still speaks very powerfully to those at either end of the poverty / wealth spectrum, as does the general exhortation in Philippians 4 to ‘be anxious for nothing’. [16:14]
Lucy comments that her personal approach to money has developed over the years so that she would now like to see far more transparency and openness among Christians on this topic, as well as real momentum being created to bring more and more people into a knowledge and experience of the joy of giving and of being generous. [19:51]
It can feel awkward for church leaders to talk about money, but Lucy feels that it is a kingdom principle that should be given a natural, healthy and high profile in church life. [23:52]
An upcoming project for Lucy is to write a couple of books on the pastoral epistles, and her preparatory work for that will include a teaching day that she is delivering in September on the topic of what those epistles say to the church. [27:14]
In the third episode of this ‘Good with Money’ season, Simon and Bex talk about when and why ‘Investing’ may be worth considering in the context of our personal finances.
Some key points of interest covered in this episode include the following:
Simon starts off by explaining the two core elements of investing: to counteract the effects of inflation [04:48]; and to achieve an expected return, very often for a specific purpose. [06:14]
Simon talks about the different kinds of ‘bonds’ (including premium bonds, bank bonds and corporate bonds) that can be used for investing. [08:23]
In response to a question from Bex, Simon explains that activities such as acquiring gold, buying currency and day trading do not have an expected return and should not therefore be classified as ‘investing’ in the pure sense of the term. [11:05]
Simon uses a story about the respective business needs of a farmer and a baker to illustrate how hedge fund traders can attempt to take advantage of the commodities market. [14:24]
Property is another interesting area – unlike many other investments, it is generally not a passive income stream; instead, it requires active management and involvement from those wishing to make a profit from investing in that area. [16:06]
Simon then goes on to address the issue of whether investing should be regarded as a form of gambling, with the key point being the presence, or not, of an expected return. [17:18]
Quoting from Luke 12.16-21, Mark 10.17-21 and 1 Timothy 6.10, Bex and Simon highlight the importance of resisting the temptation to make money a goal in its own right when engaged in investing activities. [19:40]
For anyone interested in exploring how we can adopt a heavenly perspective and have pure motivation when working and earning money, Bex would recommend ‘The Garden City’ by John Mark Comer. [23:34]
Concluding his comments, Simon emphasises the importance of investing in order to achieve a specific and appropriate purpose. [24:01]
Next week’s episode will focus on the related topic of ‘Pensions’. [25:20]
In the second episode of this ‘Good with Money’ season, Simon and Bex talk about the advantages of including ‘Saving’ as a core element of the way that we manage and use our personal finances.
Some key points of interest covered in this episode include the following:
Simon introduces this episode by explaining that saving allows us to control our money by moving it through time so that it is available when we need it. [01:44] He goes on to explain that saving is a means of putting money aside while the aim of investing is to generate a financial return from money that has been placed into some kind of venture with that purpose in mind. [02:37]
In response to a question from Bex, Simon comments that, generally, saving should be our second priority (after giving) when organising and deploying our money. [03:55]
When it comes to deciding on a desirable size for an emergency fund being created by saving, Simon suggests that the key consideration is to go for a proportionate amount or ratio that suits our particular circumstances. [06:03]
When asked to pinpoint a key benefit of saving, Simon talks about the resilience that it gives to our financial journey, for example by cushioning the shock of a sudden spike in expenditure that happens annually for most people at Christmas and which otherwise could push us into debt. [08:13]
However, a saving strategy can only protect us against known future expenses [12:09] if we are able and willing to use our emergency fund when the need arises. [13:59]
Being flexible in how we respond to financial pressure points or competing demands on our resources can be assisted significantly by maintaining a God-focused perspective of, ‘It’s His money; what would He have me do with it? [15:24]
Simon remarks that the need to save is likely to be less of a priority for those who are approaching retirement or who are already retired. [17:57]
When wrapping up the episode, Simon comments that the next stage after saving is to consider investing. He also addresses the issue of whether or not we should attempt to save if we are in debt. Regarding that latter point, he mentions that a number of previous episodes of the podcast have focused on the issue of debt; for example, , Season 8 Episode 6 looks at ten top tips for dealing with debt. [19:46]
Simon’s final, final, final observation is that John Wesley, in his ‘Use of Money’ sermon, encourages his congregation to earn, give and save as much as they can – notably, omitting any mention of ‘spending’ as a significant priority. [22:30]
Next week’s episode will focus on the topic of ‘Investing’. [23:23]
In the first episode of this ‘Good with Money’ season, Simon and Bex talk about ways in which budgeting can help us get off to a great start if we want to be good with money and also to do good with our money.
Some key points of interest covered in this episode include the following:
Simon and Bex start off the show by announcing the three charities that will each receive £100 as part of the celebrations for the podcast’s 100th episode, aired on July 30th. [00:37]
Bex and Simon explain that Season 11 is going to be about using our money well and not just managing it well. Topics covered in the eight core episodes of the season will comprise the following: budgeting, saving, investing, pensions, tax, debt, insurance and family matters. [02:22]
Simon uses a couple of examples to support his comment that budgeting is a pervasive topic when dealing with money and is therefore a really good place to start when aspiring to be good with money. [06:22]
The power of a budget is that it enables us to plan ahead and to decide how we are going to ensure that we give ‘every pound a purpose’. Equally important is the encouragement not to pay ourselves first, but instead to give to God first, as illustrated by Proverbs 3.9: ‘Honour the Lord with your wealth, with the first fruits of all you produce.’ [12:46]
In response to a question from Bex, Simon gives an example of how ‘framing’ our priorities can help us to strike the right balance between what we allocate to current expenditure and what we earmark for the future. [14:16]
Simon provides a broad-brush overview of Christian budgeting, starting off with Psalm 24.1 (‘The earth is the Lord's and everything in it’) to illustrate that we are stewards of any wealth we have, and going on to mention the importance of prioritising our giving and ensuring, also, that we live within our means. [17:43]
When asked to identify some additional key principles, Simon highlights the following behaviours: use money as a tool rather than making it a goal in its own right; be aware of the danger of having a rigid attitude to budgeting that can inhibit our ability to be sensitive to prompts from God about how He wants us to use our money; be open about money matters with others and seek wisdom from them. [21:46]
Listeners are warmly invited to share their thoughts and experiences related to budgeting. Next week’s episode will explore the topic of ‘Saving’ [24:07]
In the second bonus episode of this ‘Money and Me’ season, Naomi Martin (previously an Intern and now a Trainee Financial Planner at Stewardship Wealth) reflects on ways in which she and her generation experience money and interact with it.
Some key points of interest covered in this episode include the following:
Naomi introduces herself, speaks about her Christian upbringing and explains how it came about that she completed a degree in philosophy and theology and then entered the world of finance and financial services. [01:02]
In response to questions from Bex and Simon, Naomi talks about how her attitude towards money has been affected by living in a number of different countries [04:38] and also by examples of sacrificial generosity from the Bible and her own experience. [06:06]
For Naomi, the last few years have been an interesting time of responding to new financial challenges and opportunities, as well as a period of trying to put in place good money management building blocks for the future. [09:56] Looking to the long-term, her hope would be that she would build up a track record of using money well, wisely and for the benefit of others. [11:13]
When asked about the relationship that her peers currently have with money, Naomi suggested that a number of different trends seem to be emerging, including a genuine appetite to talk about money, a desire to deal with it well and to ‘work it out’. [12:29]
Prompted by Simon, Naomi talks about an occasion when God’s provision for a mission trip came as a natural outcome of responding positively to what she felt that God was saying to her about getting a job. [16:09]
When asked about practical money tips that have helped her, Naomi highlights the value of using written notes to help her plan ahead, coupled with an honest and pragmatic approach that ensures that she doesn’t ignore problems and neither is she unhelpfully optimistic about her financial position. [18:06]
Naomi proffers some comments on her generation’s awareness of scams and also the extent to which they have embraced the variety of payment and purchase options available these days. [19:41]
On the topic of things that money can’t buy, Naomi comments that ‘if money is your goal, you won’t ever achieve it,’ and observes that, as far as she is concerned, relationships – with others and with God – are priceless. [21:57]
Despite Bex’s lack of awareness of what is next for the podcast, these show notes can reveal that Episode 1 of Season 11 (‘Good with Money’) of the ‘Where your Treasure Is…’ podcast will drop on Wednesday 1 October 2025! [23:21]
In the first bonus episode of this ‘Money and Me’ season, Frank Morton, Operations Manager at Stewardship Wealth, talks about key moments and turning points in his journey with money.
Some key points of interest covered in this episode include the following:
Simon introduces Frank [00:56], who talks about his Christian upbringing [02:05] before going on to explain how his career in financial services came about. [03:15]
Next, Frank speaks about the challenges of maintaining a faith perspective within the workplace [04:53] and of becoming more open and natural about his Christian beliefs over time. [06:55]
In response to a question from Bex, Frank shares some thoughts about his experiences of having conversations with people about money, outside the work context. [10:14]
Prompted by Simon, Frank remembers a lesson in generosity and compassion that he learnt from his father. [12:07]
When asked about generational attitudes to money, Frank highlights the different experiences of, and perceptions of, the availability of credit and the nature of debt. In that context, the money course run by CAP (Christians Against Poverty) has proved to be a very useful resource. [16:28]
For Frank, the standout passage from the Bible that deals with attitudes to money is Hebrews 13.5: ‘Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.”.’ He then goes on to share a story of God’s provision to illustrate that verse in action. [19:48]
When asked about a possible tip to share with his younger self, Frank highlights the importance of letting God into our financial situations and getting to the point where we genuinely trust Him to provide what we need. [22:21]
On the issue of things that money can’t buy, Frank agrees with The Beatles and also prizes genuine, deep-rooted friendships far above worldly wealth. [24:14]
The second bonus episode of this ‘Money and Me’ season will feature a conversation with another of Simon’s colleagues – whose identity is currently shrouded in mystery! – which will serve as a companion piece to this episode. [25:21]
In the final episode of the ‘Money and Me’ season, Simon and Bex put money into its proper perspective, discussing a number of ways in which there is more to life than money.
Some key points of interest covered in this episode include the following:
Simon explains why, in the context of the ‘Money and Me’ season, it seemed worthwhile to have a podcast episode which explores what money can’t do. [01:20]
Simon suggests that the familiar expression, ‘Money can’t buy happiness,’ isn’t entirely true as money can certainly make a difference by addressing basic necessities, enabling people to move beyond the lowest rungs of Maslow’s ‘Hierarchy of Needs’. [02:14]
Money can also make a difference to our health, but it definitely can’t cover all the bases. [06:51]
Similarly, money can help to support our social interactions, but it can’t, for example, buy a best friend! [09:47]
Simon notes that if we are offering practical help to someone, it can make a real difference if we are specific about the ways in which we can help. [12:59] He also points out that creating time for people by the way that we provide support can be an invaluable gift for them [15:35], as can something that we are able to do for them because of a skill that we have. [17:27]
Many of the things that money can’t buy can contribute to a sense of joy that is more deep-rooted and significant than just feeling happy. [18:05] Bex quotes from Philippians 4.11-13 to illustrate the nature of the deep contentment and trust that Paul suggests should be the experience and hallmark of Christians: ‘I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.’ [19:05]
Simon suggests that a godly perspective (the Perspective Hack) can make all the difference to the way that we live our lives and the degree to which we feel a sense of purpose. [19:58]
And, of course, as the Beatles sang, one vital element of life that can’t be bought is love! [21:30]
Bex invites listeners to send in their ideas about ways in which we can help others [22:11], and also recommends listening to our 100th episode to learn about the charity giveaway that is currently taking place. [22:47]
In Episode 7 of the ‘Money and Me’ season, Simon shares a number of 'hacks' that he hopes will be helpful in assisting listeners to use and manage money well.
Some key points of interest covered in this episode include the following:
Simon introduces the episode by explaining that there is nothing dodgy about the hacks that he will be sharing with listeners. Instead, they are simply different ways of looking at money matters, or dealing with money tasks, that are designed to enhance our ability to use and manage money well. [01:04]
Hack number one is the Toolbox Hack, which emphasises the importance of treating money as a tool rather than making it an objective in its own right. [02:06]
Simon’s second hack is the Purpose Hack, based on the principle that every pound should be given a purpose. [02:58]
The Three Pots Hack guides us into dividing our money into three separate elements: what we’re going to spend; what we’re going to save; and what we’re going to give. [04:19]
Some hacks can be boring but necessary, and the Track Your Spending Hack [04:46] and the Renewals Reminder Hack [06:15] are good examples of that category.
The Snowballing Hack provides two very helpful approaches to paying off debt. [07:21]
One way to try to avoid having regrets about how we have spent and used our money is to imagine how we will look back on our financial track record in the future, as illustrated by the Rocking Chair Hack. [09:33]
In response to a question from Bex about her experience of a banking app that had set bank customers a One Penny per Day challenge, Simon suggests that the situation that has been created could be described as the outcome of a Compounding Hack operating in conjunction with a Gamification Hack! [10:31]
Like the Rocking Chair Hack, the Seesaw Hack aims to encourage the responsible and prudent use of resources but it does so by prompting us to look ahead rather than backwards. It can be a really useful mechanism for weighing up the complex competing needs and desires of our current self and our future self. [12:07]
Following an invitation from Simon to name a hack describing the inability of some people to use their emergency fund, Bex settles on the Gilded Cage Hack. [15:09]
Simon explains why he has come to appreciate the Investing in Presents Hack [16:12] before going on to talk about two time-related hacks. The Time Machine Hack [17:01] delves further into the consequences for our future self of decisions that we make now, and the Relativity Hack [18:53] highlights the significance of the choices that we make when we decide to whom we are going to compare ourselves.
Simon concludes by describing the benefits of giving money away (the Generosity Hack) [20:12], the advantages of applying automatic processes to the income we receive (the Non-stick Hack) [21:11] and the importance of identifying and prioritising what is most important to us in the long-term (the Ladder Hack, as articulated by Stephen R Covey). [23:03]
Listeners are invited to get in touch and share – for publication, if so desired - their own money hacks. [24:37]
In this special bonus edition to mark the hundredth episode of the ‘Where Your Treasure Is…’ podcast, Simon and Bex celebrate all things 100, invite listeners to nominate charities to receive £100 and introduce some surprise outtakes.
Some key points of interest covered in this episode include the following:
Simon and Bex set the celebratory tone for Episode 100 with an impromptu drum roll, cupcake chat and a review of favourite 100s, including the FTSE 100. [00:33]
Biblical references to 100 are also covered although Simon notes that the number doesn’t seem to have been as significant to that culture as it is to ours. [06:22]
Bex puts Simon on the spot by asking him how many of the ten podcast seasons that have generated one hundred episodes he can remember! [09:10]
Simon acquits himself much better when he and Bex talk about the episodes that they have enjoyed the most! [10:25]
Bex and Simon explain that they want to emulate a Hobbit tradition by using a notable event to give something away to others. In this instance, they are inviting listeners to participate in some ‘spontaneous planned giving’, inspired by the content of last week’s podcast episode: Season 10 Episode 6 – The Great Giveaway. [13:10]
Listeners are invited to nominate a worthy charity that would, if selected, make excellent use of one of three £100 gifts being made available by the ‘Where Your Treasure Is…’ team of Simon, Bex and Mike. Nominations should be submitted by 31 August 2025 via Instagram - @whereyourtreasureispodcast – or email - whereyourtreasureis@freerangepodcasting.co.uk [16:48]
Inspired by its ability to provide food for the soul, Simon signs off by reading Psalm 100. [19:24]
Simon and Bex demonstrate great trust by introducing outtakes without knowing what bloopers, surprise content and mangled email addresses may lie ahead! [20:12]