Arnold opens up about the deeply personal journey of revisiting and restructuring his family and business finances—and the Kingdom wisdom that guided it. If you’ve ever felt anxious about money, stuck in bad spending cycles, or simply unsure of where to start with financial stewardship, this episode is your call to clarity. Drawing from Scripture and lived experience, Arnold unpacks practical truths that will help you build a financial life rooted in wisdom, discipline, and God-honouring priorities. Key Discussion Points 00:01 – Setting the Scene: A hard reset on personal finances 01:54 – The aim isn’t shame, it’s transformation 03:45 – Renewing your mind: Romans 12:1-2 and modern money culture 04:35 – Breaking free from financial conformity 06:23 – What money habits are rooted in conformity? 06:33 – Proverbs 6:6–8 – Learn from the ant: Prepare before pressure hits 09:01 – Proverbs 13:16 – Knowledge vs application: why knowing isn’t enough 10:25 – Proverbs 21:5 – Diligence, not hustle, leads to abundance 11:53 – Proverbs 24:3–4 – Building a financial house: wisdom, understanding, knowledge 13:46 – Proverbs 14:15 – Hope isn't a plan: why vibes aren’t enough 15:09 – Proverbs 27:12 – Seeing danger and acting in time 16:05 – Proverbs 3:5–6 – Trusting God in your planning 17:02 – Final encouragement: This isn’t a rebuke—it’s a rescue Highlights From The Episode Godly Stewardship Over Vibes: Financial peace doesn’t come from hype—it’s built on wisdom and diligence. Scriptural Guidance for Your Finances: Verses from Proverbs and Romans anchor this conversation in timeless truth. Practical Encouragement: From budgeting to cancelling forgotten subscriptions, small shifts can lead to major transformation. Real Talk, No Condemnation: If you’ve ever felt behind or overwhelmed, this episode offers grace and clarity, not guilt. Practical Steps You Can Take Schedule two hours each month to review your income, expenses, and goals. Cancel any forgotten or unnecessary subscriptions. Plan meals to cut food delivery costs. Ask God to give you clarity and wisdom over your finances—invite Him into your planning. Reflect on what financial habits might stem from fear, conformity, or your past—and choose a new path of freedom. Relevant Themes Covered Christian financial stewardship Renewing the mind with Scripture Overcoming money anxiety Practical financial planning Living counter-culturally in a consumer-driven world Aligning money habits with God’s wisdom Connect with RTB For podcast updates, exclusive daily devotional emails and more, join the RTB community! Sign up here: www.reasontobehold.com Got a question or want to share your thoughts and reflections from the episode? We’d love to hear from you! Contact us: [email protected]