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July 22, 2025 13 mins

We’re diving into a biggie today: what happens to your money when you’re gone? Yep, it's a heavy topic, but it’s super important. We’re talking about leaving a legacy that doesn’t just stack up cash but actually builds God’s kingdom. It’s all about being intentional with our finances and thinking long-term. So, whether you’re rich or just getting by, you can leave an impact that points others to Jesus. Trust me, it’s not just for the wealthy; it’s for anyone willing to make a difference! Let’s dig in and figure out how to shape your financial legacy today—what kind of financial legacy do I want to leave for God’s kingdom?

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Financial habits are crucial, but let’s get real—what happens to your hard-earned cash when you’re no longer around? Today, Ralph dives into the nitty-gritty of legacy planning. Sure, it’s a heavy topic, but it’s one that needs our attention, right? We’ve got our budgets down, we’re living with purpose, but are we thinking about how our financial lives can keep making an impact for God’s kingdom even after we’ve shuffled off this mortal coil? Ralph pulls no punches, reminding us that stewardship doesn’t end at death—it’s a long-term game. He shares wisdom from Proverbs and 1 Timothy to hammer home the point: leaving an inheritance isn’t just for the wealthy; it’s for anyone willing to be intentional about their legacy. He urges us to define what we want our money to achieve after we’re gone and how we can bless others, making it clear that you don’t need a fat wallet to make a lasting impact. It’s all about the heart and intention behind our financial decisions.

As Ralph unpacks these ideas, he breaks down actionable steps to help us get started on our legacy planning, like envisioning what we want to leave behind and identifying specific areas to focus on—be it a will, charitable giving, or saving for future missions. He emphasizes that these conversations about money aren’t just for us; they’re for our family too. We need to communicate our values and intentions clearly to those we leave behind. It’s about building a legacy that points others to Christ, and Ralph encourages us to take one small step toward that today. Think about what you want to accomplish with your finances after you’re gone; it’s time to get intentional about our legacy and ensure our financial stories tell a meaningful tale even after we’re gone.

Takeaways:

  • Building financial habits is key, but what happens to your money after you're gone?
  • Legacy isn't just for the rich; it's about what you value and how you bless others.
  • Think long-term about your financial legacy and how it can impact God's kingdom.
  • Start planning today by defining your financial legacy and taking small actionable steps.

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Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
You've built solid financialhabits. You've been budgeting, you've
been giving and you've beenliving with purpose. But here's a
bigger question for today.What happens to your money when you're
gone? Yeah, I know this is notan easy thing to talk about, but
ask yourself, will yourfinancial life continue to build
God's kingdom even after yourlifetime is over? Let's talk about

(00:24):
legacy today. Not just wealthbut, but eternal impact. This is
Financially ConfidentChristian, your daily dose of gospel
grounded insight and faithdriven tips to help you break the
cycle of financial shame withconfidence. Hey, welcome back to
your Financially ConfidentChristian. I'm Ralph and I am truly
honored to be with you againtoday. This is the show all about

(00:47):
answering one key question andthat's how can I become a financially
confident Christian? And, andwe're continuing our series today,
beyond the Budget, FindingFinancial Freedom through Intentional
living. Yes, this series isall about living with intention.
Now yesterday we talked aboutfuture pacing, your freedom, and
we envisioned a life filledwith purpose and intention. So if

(01:08):
you missed it, I'm going toencourage you to go check it out.
And today we're going to askthis powerful, often overlooked question.
Listen, a lot of people don'twant to talk about this, but it's
something that we really needto spend some time on. And that is,
what kind of financial legacydo I want to leave for God's kingdom?
Yes, it's going to get alittle deep today, but I promise
you it'll be profitable foryou. Now you've probably thought

(01:31):
about this before. Most peoplesay to me, Ralph, yeah, you're right,
I really should write a will.But legacy planning, you know what,
I'll put that off for later.You know, Ralph I'm not worried
about that because you know,that's the kind of thing I'll just
for the wealthy people. Ralph,right now I'm focused on today, man.
I'm focused on paying bills.And you've given me all these things

(01:51):
to meet goals and you've toldme to be generous. I'm putting that
other stuff off for later. Butjust like we talked about yesterday,
here's the truth. Without along term vision, and I know you
might not be ready for thisbecause you got a lot of stuff on
your plate every day. Butwithout a long term vision, stewardship

(02:13):
is incomplete. Yes, you'redoing well in the now and I'm so
proud of you for doing that.But are you thinking about what comes
next? See, that's where therubber meets the road, that's where
it gets a little complicated.And trust me, I've been down this
road myself, having to havethese very difficult questions answered.

(02:34):
But here's the thing.Stewardship doesn't end when our
life does. It extends beyondour time on earth. They might be
saying, Ralph, wait a second.I could care less what happens later.
Well, let's get into the Word,and I'm going to address why I think
you should be caring about it.Look at the Book of Proverbs, chapter
13, verse 22. And it saysthis, and this will grab you. It

(02:59):
grabbed me when I read it. Agood person leaves an inheritance
for their children's children.But a sinner's wealth is stored up
for the righteous. What is itsaying to us? A good person, I'm
assuming we all want to begood people, leaves an inheritance
for their children's children.Well, that's talking about legacy.

(03:21):
And Paul reminds us in FirstTimothy, chapter 6, verses 17 to
19, command those who are richin this present world not to be arrogant,
nor to put their hope inwealth, which is so uncertain, but
to put their hope in God, whorichly provides us with everything
for our enjoyment. Commandthem to do good, to be rich in good

(03:45):
deeds and be generous andwilling to share. In this way, they
will lay up treasures forthemselves as a firm foundation for
the coming age, so that theymay take hold of the life that is
truly life. Wow. When I readthat again, I thought, that's exactly

(04:05):
what I'm talking about today.Laying up treasure for themselves
as a firm foundation for thecoming age. And what has he ended
with? So they may take hold ofa life that is truly life. You're
listening right now. You don'tneed millions to leave a legacy.

(04:26):
You just don't. Some of thepeople that have left the largest
legacies, it wasn't aboutmoney. You just need intention. You
might be saying, okay, Ralph,that sounds good, but I don't understand
if I don't have a lot ofmoney, what are you talking about?
Well, see, here's the thing. Alot of people get hung up on what
legacy really means. Legacy iswhat you value, who you bless, and

(04:51):
biggest point of it all. And Iwant you to hear this right now.
Legacy is about how your lifepoints others to Jesus Christ himself.
So you don't need a lot ofmoney for that. But ask yourself,
what kind of legacy am Ileaving that point others to Jesus.

(05:13):
Now I'm hoping you're grippedby that. I hope you're like Ralph.
Yeah, yeah. What do I Do. Howdo we move forward with that? Well,
I've got the solution today,and it starts with prayerfully defining
your financial legacy and justtaking one small step this week to
align your finances with thatvision. So I want to give you your
one action step for today. Sohere's how to start today, sort of

(05:35):
like yesterday. I want you toreally envision your legacy. Ask
yourself these questions. Whatdo I want my money to accomplish
after I'm gone? You know, oncethe funeral's over, the headstone
is set, everybody goes back totheir, quote, normal lives, if there
is such a thing. After death,what do I want my money to accomplish
after I'm gone? That's thefirst question. The second question

(05:59):
is, who do I want to bless?Ask yourself that question. Who do
I want to bless after I'm nothere anymore? And then finally this
question. What part of God'skingdom do I want to invest in long
term? See, this is very longterm thinking. This is that legacy

(06:19):
Thought so. Now you might be alittle confused, Ralph. What do you
mean? So here's what I wantyou to think. Think family. What
do you want to leave for yourfamily? What do you want them to
be able to do when you'regone? How do you want to bless them?
How do you want to invest thatthey will find Jesus? Maybe you think
missions, you might be saying,Ralph, you know, I've always wanted

(06:40):
to go on that missions trip,but I never felt like I could do
it. But I would really like tosupport somebody who does it after
I'm gone. Or maybe thinkministry. You know, maybe you see
a ministry and you just wantto bless them when you're, when you're
no longer with us. But youknow that that ministry will carry
on and people be. Be led tosalvation because of it. So start

(07:00):
there. Envision that legacy.Get a clear picture in your mind.
Ask yourself those questions.And then the second step today, identify
one legacy aligned area. Youmay be like, Ralph, now you've lost
me. Just bear with me here asecond. Just one legacy aligned area.
It could be your will. Maybeyou want to make sure your will.

(07:21):
Maybe for you, it's like, youknow what? My kids are already doing
pretty well. I don't need toleave them anything. I want to leave
this to this charity. I wantto leave this to this mission, or
I want to leave it to benefitthis. So that could be your will,
could be your giving strategy,maybe start to think about long term.
Start thinking about thatlegacy that you're building with
your current giving strategy.Maybe it's your savings approach.

(07:44):
You want to save so that yourlegacy could be that there's this.
This bucket of savings tocarry on the gospel or to carry on
a mission that's important toyou. Or maybe for you, and I love
this one, maybe it's just theway you talk with your family about
money. So look at your visionand identify one thing, and then

(08:08):
I just want to encourage youto put it into action. Take one planning
step. Choose one action. Forexample, research how to create or
update your will. Go and goand find an attorney who can help
you. Do some searching online,but understand what that looks like,
how to create it. Maybe youalready have one and you're like,
Ralph, I haven't updated thisthing in years. Well, it's probably
a good time to do that. I'mnot an attorney, but it's probably
a good time to do that. Ormaybe this is the point where you

(08:31):
open a new savings accountcalled Kingdom Legacy. This is going
to be your. Your beneficiary,your legacy for the kingdom. Maybe
you've done pretty well foryourself and you want to start a
charitable giving fund. Youwant to start building that for.
Maybe bring your family intothat and really have conversations
about what you can do withthat giving fund. Or as I talked

(08:51):
about a few minutes ago, havea conversation with your spouse or
your kids about your vision sothey understand what you're seeing,
what that vision looks like.Because I have worked with families.
Somebody passed away and theysaid, you know what? I don't really
know what my dad waspassionate about. I don't know what
my mother was passionateabout. Well, if you really want to
leave a legacy, if you want tomake an impact, it's a Kingdom impact

(09:13):
for the future, then sharethat information with somebody. Share
that with your spouse. Sharethat with your kids or your grandkids.
And now you might be saying,Ralph. Oh, okay, I get it. But how
does this help? Well, see, bybuilding this legacy plan, it aligns
your finances with an internalperspective, as it talked about there
in the scripture, you know,saving for the future, that legacy,

(09:36):
that life that matters. And byhaving this plan, it replaces those
vague ideas with actionablesteps. We move beyond. Yeah, I'd
really like to help somebodysomeday. I'd really like to benefit
somebody someday. This makesit actionable steps. It makes it
concrete, and I really, trulybelieve that it builds peace and

(09:57):
it builds intentionality intoyour future. You've got this legacy
plan. You're working towards apurpose, and in the end, if you do
it Right. And I'm going toencourage you to really take that
step of faith and start movingtowards this. It ensures your financial
life makes a difference evenafter you're gone. And listen, nobody

(10:18):
wants to talk about that.Nobody wants to think about that,
but you can make a differenceeven after you're gone. How about
we pray together? Father God,we just thank you for blessing us
with resources and blessing uswith purpose. Forgive us when we
get caught up in today, Lord.It's so easy to get caught up in
the day today and forget toplan for the legacy that we'll leave

(10:41):
tomorrow. And we just ask thatyou would give us clarity, Lord,
and give us courage as wethink beyond ourselves. It's so easy
to get stuck on us, Lord, butwe want you to give us clarity and
give us courage to thinkbeyond that, Lord. Help us to steward
wisely, not just for ourbenefit, but for your kingdom, Lord.
Let our lives leave behindgenerosity, Lord, and leave behind

(11:04):
wisdom. And most important,Lord, leave behind faith and a legacy
that glorifies you, Lord. Andwe ask this in boldness, and we ask
this in confidence. In Jesusname, Amen, friend. If you hear nothing
else I say today, I want youto hear this loud and clear. Legacy
isn't reserved for thewealthy. It's for the willing. Are

(11:30):
you willing? Are you willingto build that legacy? See, your financial
story isn't just about whatyou build now, yes, that's important.
I want you to continue to dothat. But your financial story also
is about what you leavebehind. So I just want to say to
you one more time today, takeone step, shape the legacy for your

(11:51):
life and shape that legacythat your life will tell in the future.
And while we're talking aboutlegacy, I would love it if you would
share this show with somebodyelse that is. That is interested
in getting impacted in a waythat grows their faith, in a way
that improves their finances.If you've been listening to this
show and you're getting valuefrom it, I want to encourage you.

(12:12):
Send a text, send an email,just say, hey, check out this podcast.
Check out this guy Ralph. He'sgot some really great ideas, all
based on scripture, all basedon faith. And today, let me just
tell you, he was talking aboutlegacy building. And I know this
could be really impactful foryou. Just send them to financiallyconfidentChristian.com
and listen while they're thereor while you're there, you can get

(12:33):
a free copy of my book. It'scalled Mastering Your Finances. Get
to it by going to financiallyconfidentchristian.com/master. Now
tomorrow we're going to talkabout a creep. Yes, we're actually
going to talk about how do Iactively combat creep so it doesn't
steal my progress. I'm betalking about those things that steal
your progress. So until then,I want to encourage you right now,

(12:54):
stay intentional, stay legacyminded and stay financially confident.
You got this. God bless youand you have a purposeful day.
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