Can following popular financial rules actually damage your family's financial future? What works wonders for someone else might quietly derail your stewardship when applied in the wrong season.

In this episode of Plan to Prosper, Logan and Dalton break down why generic financial rules can lead faithful stewards astray. While concepts like maxing out a Roth IRA, aggressively eliminating all debt, buying a home, or choosing Roth contributions sound universally wise, their real-world impact hinges entirely on your income, age, tax situation, and liquidity. Walking through four practical case studies, they reveal how following generic guidance without context can result in excess contribution penalties, high-interest debt, or illiquidity, and how seeking wise, personalized counsel helps you steward wealth with clarity and purpose.

What You'll Learn:

• Why maxing out a Roth IRA can sometimes trigger unexpected IRS penalties or consumer debt

• How to weigh paying down a low-interest mortgage against investing for the long term

• The hidden risks of homeownership and why renting is not throwing money away

• When traditional retirement contributions offer far more value than a Roth 401(k)

Subscribe for future episodes filled with practical tools and timeless biblical wisdom.

Advisory Services offered through Stonecrop Wealth Advisors, LLC, a registered investment advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. The information contained in this presentation has been compiled from third party sources and is believed to be reliable as of the date of this report. Past performance is not indicative of future returns and diversification neither assures a profit nor guarantees against loss in a declining market. Investments involve risk and are not guaranteed.

Disclosures: https://www.stonecropadvisors.com/disclosures

December has a way of sneaking up fast, and entering the holidays without a clear plan can quietly derail your finances for months. Taking a few intentional steps right now will help protect your hard-earned money, eliminate unnecessary stress, and keep your stewardship on track.

In this episode of Plan to Prosper, Logan and Dalton share five practical financial moves you should make before the year ends. They walk through budgeting for holiday spending without piling up debt, reviewing your tax withholdings to avoid April surprises, auditing your insurance coverage, navigating required minimum distributions, and creating an intentional plan for next year's cash flow before lifestyle inflation sets in.

What You'll Learn:

• How to budget for holiday giving and travel without carrying balances into January

• Key tax considerations, from paycheck withholding checks to donating appreciated assets

• How to evaluate open enrollment, life insurance needs, and required minimum distributions (RMDs)

• A simple framework to allocate raises or bonuses toward giving, saving, and spending

Subscribe for future episodes filled with practical tools and timeless biblical wisdom.

Advisory Services offered through Stonecrop Wealth Advisors, LLC, a registered investment advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. The information contained in this presentation has been compiled from third party sources and is believed to be reliable as of the date of this report. Past performance is not indicative of future returns and diversification neither assures a profit nor guarantees against loss in a declining market. Investments involve risk and are not guaranteed.

Disclosures: https://www.stonecropadvisors.com/disclosures

• Would you freeze your credit cards in a block of ice just to stop impulse spending? When it comes to saving money, the line between clever behavioral strategy and outright absurdity gets blurry fast.

  
  

  In this episode of Plan to Prosper, Logan and Dalton break down ten unconventional, viral money-saving tips from social media to separate genuine financial wisdom from impractical extremes. From transforming paid-off car payments into automatic wealth builders to setting up practical friction against impulse spending, they explore how intentional habits, environmental design, and self-control help us honor God with our household resources.

  
  

  What You'll Learn:

  • How adding intentional friction to spending habits curbs impulse buying

  • The asset snowball method for turning completed debt payments into lasting savings

  • When extreme frugality actually saves money versus when it just wastes valuable time

  • Practical ways to leverage free community resources like your local library

  
  

  Subscribe for future episodes filled with practical tools and timeless biblical wisdom.

  
  

  Advisory Services offered through Stonecrop Wealth Advisors, LLC, a registered investment advisor with the U.S. Securities and Exchange Commission. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. The information contained in this presentation has been compiled from third party sources and is believed to be reliable as of the date of this report. Past performance is not indicative of future returns and diversification neither assures a profit nor guarantees against loss in a declining market. Investments involve risk and are not guaranteed.

  
  

  Disclosures: https://www.stonecropadvisors.com/disclosures

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