Dana Wichterman Bill Wichterman Impact Investing Foundation Faith Driven Investor Generosity Financial Finish Line Podcast Podcast
Finish Line Podcast Episode 104

Dana and Bill Wichterman, Givers and Impact Investors, on Using 100% of Their Income for the Kingdom

You may want to be generous with what God has entrusted to you while still wondering how much you should keep, save, or invest for the future.

How does the freedom of defining enough change how you view your income, investments, and work?


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Meet your guide

Dana Wichterman, senior advisor to Impact Foundation, and Bill Wichterman, an impact investor with decades of experience in missions, public policy, and business, have spent their marriage learning what faithful stewardship can look like in practice. Their backgrounds in global poverty alleviation, government, and investing give them a wide lens on how money can serve God’s purposes beyond traditional charitable giving.

In this conversation, Dana and Bill unpack how an accumulation finish line helped them decide how much was enough, move from recurring financial uncertainty toward greater trust, and redirect future income toward generosity, eventually giving 100% of their ongoing income away. They also explore impact investing through donor-advised funds, faith-aligned portfolios, job creation in Africa and Asia, and the difference between chasing maximum returns and seeking human flourishing. Along the way, they show how prayer, marriage, community, and personal calling can shape financial decisions without forcing everyone into the same model.

By the end, you may see more clearly how defining enough can create freedom to work, give, invest, and discern with greater purpose.

What you’ll gain

  • How defining enough can replace scarcity with greater freedom
  • Why a net worth finish line can reshape your work
  • How to align investments with faith and human flourishing
  • When impact investing may accomplish what charitable giving cannot
  • How prayer and community can sharpen financial discernment
  • Why generosity can grow from duty into genuine joy

Inspired? Take your next step

Financial Finish Line Pledge Step 1

Take the Finish Line Assessment

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Use the Finish Line Builder to identify the finish line that fits your season of life best

Financial Finish Line Pledge Step 3

Try a 90 Day Finish Line Experiment

Receive practical guidance and encouragement as you spend 90 days with a finish line.

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Play the Game of Life Simulator

Not ready for the assessment? Try a quick interactive simulator to see how you stack up in managing wealth.

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Inspired? Take your next step

Try the Game of Life Simulator

Step into a four-minute interactive experience and see what unfolds as you decide how to manage your resources.

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Game of Life Simulator Mobile Screenshot

Inspired? Learn how to partner with ministries well.

A compelling ministry story can inspire you to respond. But wise partnership often begins with better questions.

Applied Generosity Intervention Partnership Focus

What is the ministry really seeking to restore?

Learn to look beyond visible needs toward people, context, relationships, and flourishing.

Applied Generosity Intervention Partnership Fruitfulness

How do you recognize meaningful impact?

Consider how ministries learn, evaluate their work, and pursue lasting change.

Applied Generosity Intervention Partnership Faithfulness

What does genuine ministry partnership look like?

Explore how to foster trust, alignment, and shared mission in your giving.

In our Intervention Series on the Applied Generosity Podcast, we’ll help you become a more thoughtful, discerning, and faithful partner.

Start the Series

Quotes to Remember

  • Bill: “The more you understand the nature of the Gospel and its implications for your life, the more you get the implications of generosity.”
  • Dana: “Once we set a finish line, I entered into an abundance mindset.”
  • Dana: “Now that we’ve reached our finish line, it makes our work that much more joyful. Now it’s like why would we ever want to retire? We want to keep generating this amount so that we can give.”
  • Bill: “It’s so fun to help change the world with your money!”
  • Dana: “You have your Holy Spirit radar up for needs that you couldn’t possibly anticipate, but you know you have to cash to give to that when it comes.”
  • Dana: “We can’t meet every need around us, but there are certain needs that have our name on it. And when our name’s on it and then God provides, there’s such a joy with that.”
  • Bill: “Most of the time, you possibility for world change is greater with for-profits, especially in poverty alleviation.”
  • Dana: “I believe that God made us all in His image to be creators. We’re either builders or backers, founders or funders. So if we’re all doing what God calls us to, the success of it isn’t so much on us. It’s the faithfulness that’s important.”
  • Dana: “It’s to God’s glory that He’s transforming us from selfish, self-absorbed individuals into more of the Family likeness which is more and more generous.”
  • Bill: “What do we have to boast about? We’re only giving what we’ve already been given.”
  • Dana: “Sacrificial giving can actually become very joyful over time because it has become part of your DNA as God is transforming you, and then it doesn’t feel sacrificial anymore. His burden becomes light, but only over time.”
  • Dana: “One person’s generosity doesn’t have to look like another person’s.”

Links from the Show

Bible References from the Show

Matthew 25:14-30 | Parable of the Talents 

2 Corinthians 9:7 | A Cheerful Giver

Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.

Use Our
Free Guide

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Use Our
Free Guide

Have you considered the ways you are uniquely called into generosity? We’re not all called into the same adventure.
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Enter your information below and we’ll send you our free PDF guide to explore the specific adventure you were called into.
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