Choosing a Financial Finish Line Podcast
Finish Line Podcast Episode 4

How Do I Choose a Finish Line?

You may like the idea of setting a financial finish line, yet still wonder how to choose a number that is both generous and realistic for your family.

How can you define “enough” without relying on an arbitrary dollar amount, comparing yourself to your income, or overlooking the circumstances that genuinely shape what you need?

Meet your guide

Kealan and Cody Hobelmann unpack the practical process of choosing a financial finish line, a spending boundary that helps you decide how much you need to support yourself and your family while making increased income available for generosity. Rather than asking how much of your money you should give away, they begin with a stewardship perspective that sees everything as belonging to God and your role as managing what He has entrusted to you.

They explain why a finish line can provide a helpful boundary against automatic lifestyle growth and offer a practical framework for finding one. That includes separating your income from the question of what you actually need, comparing your lifestyle with similarly sized households, and considering factors such as family size, geography, health needs, and support for others. They also explain why a percentile can be more flexible than a fixed dollar amount as circumstances change.

You may come away with greater freedom to choose a thoughtful starting point, knowing your finish line can develop over time as you prayerfully discern what enough looks like for your family.

  • Why stewardship changes the question behind choosing a finish line
  • How to separate your income from what you actually need
  • What factors should shape your family’s financial finish line
  • Why percentiles can work better than fixed dollar amounts
  • How financial boundaries can protect against automatic lifestyle growth
  • Why starting imperfectly can be better than waiting indefinitely

Inspired? Take your next step

Financial Finish Line Pledge Step 1

Take the Finish Line Assessment

Take a brief assessment to see if you are ready for a financial finish line right now 

Financial Finish Line Pledge Step 2

Build a Finish Line from Scratch

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.

Complete your first step right now in under 3 minutes.

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.

play now →

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.

Game of Life Simulator Mobile Screenshot
Game of Life Simulator Mobile Screenshot

Quotes to Remember

  • “If you think back through the Bible narrative, even back to Genesis 1, God creating everything from nothing, it seems obvious that everything belongs to God, but that’s often not how we intrinsically think about our finances.”
  • “There’s an intense physical ownership that we feel when it comes to our money.”
  • “When we see ourselves as a manager of something that belongs to God, the question starts to change from ‘How much do I owe back to God’ to ‘How much of God’s wealth should I be taking for myself?'”
  • “Money and wealth are very powerful, and there are two sides to that coin”
  • “One thing that is clear is that our wealth on this earth certainly will not follow us to Heaven”
  • “You never see a hearse followed by a uHaul”

Links from the Show

Bible References from the Show

Ecclesiastes 5:12 | No Satisfaction in Money

Sweet is the sleep of a laborer, whether he eats little or much, but the full stomach of the rich will not let him sleep.

1 Timothy 6:9-10 | Money is a Root of All Kinds of Evil

9 But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. 10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

1 Timothy 6:18-19 | Don’t Put Hope in Wealth

18 They are to do good, to be rich in good works, to be generous and ready to share, 19 thus storing up treasure for themselves as a good foundation for the future, so that they may take hold of that which is truly life.

Matthew 6:19-21 | Where Your Treasure Is, Your Heart Is

19 “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, 20 but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. 21 For where your treasure is, there your heart will be also.

Matthew 25:35-40 | What You Did for the Least of These

35 For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me, 36 I was naked and you clothed me, I was sick and you visited me, I was in prison and you came to me.’ 37 Then the righteous will answer him, saying, ‘Lord, when did we see you hungry and feed you, or thirsty and give you drink? 38 And when did we see you a stranger and welcome you, or naked and clothe you? 39 And when did we see you sick or in prison and visit you?’ 40 And the King will answer them, ‘Truly, I say to you, as you did it to one of the least of these my brothers, you did it to me.’

Use Our
Free Guide

Have you considered the ways you are uniquely called into generosity? We’re not all called into the same adventure.

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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Use Our
Free Guide

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