What if the money struggles you’re facing today aren’t really about your budget—but about patterns passed down from your parents and grandparents? In this powerful conversation with Andy Yoder, Ramsey Preferred Financial Coach and former youth pastor, we explore how generational money habits shape our financial decisions and, more importantly, how to break free and pass better money habits to the next generation.
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Andy shares his own journey from financial stress and credit card anxiety to peace and purpose, revealing how his transformation didn’t just change his marriage—it became a ministry. From parents who never talked about money to emotional spending that masks loneliness, Andy unpacks the hidden patterns that keep families trapped in unhealthy money cycles.
Read the Full Transcript. (https://pastorsandmoney.com/better-mo...)
What You’ll Learn
Discover practical, age-appropriate ways to teach your kids about money, why your children are watching (even when you think they’re not), and how handling money well opens doors for the gospel. Whether your kids are toddlers or adults, it’s never too late to start building better money habits that will echo through generations.
• How generational money patterns get passed down (and how to recognize them in your own life)
• Why financial stress affects every area of life—marriage, parenting, and your relationship with God
• The power of testimony: How one mom in her 50s inspired her adult kids to make radical financial changes
• Practical ways to teach financial literacy in daily life (with real examples you can use today)
• Why money problems often reveal deeper needs for community, purpose, and connection
• How to include kids in family financial goals without overwhelming them
• The surprising connection between faithful money management and gospel witness
• Why pastors and ministry leaders struggle to talk about their own money challenges
Key Quotes
“I thought it was too late, but they’re watching. And that was the, it’s the power of a testimony. It’s the power of a changed life.” – Andy Yoder
“You’re handling money well, that opens up the doors for the gospel to go forth… the way that I’m handling not my money, but God’s money is, could be a direct result of somebody coming to know Jesus for the first time.” – Andy Yoder
“They notice you have conversations about money that aren’t arguments. You know, they notice, oh, oh, there’s a budget meeting. They notice those things, and we don’t always think, but kids pick up on stuff.” – Joy Suzanne Hunt
“The most important decisions are the small ones. And that’s where you’re making one small decision at a time.” – Andy Yoder’s mentor
About Our Guest
Andy Yoder is a Ramsey Preferred Financial Coach (http://yoderfinancialcoaching.com) (https://www.yoderfinancialcoaching.com/) who spent years in youth ministry and as an associate pastor before discovering his calling to help families achieve generational financial transformation. After his own journey from financial anxiety to freedom (beginning in 2016-2017), Andy now specializes in helping individuals and couples—especially those in ministry—break free from generational money patterns and build better money habits. His heart for seeing kids stay connected to their faith naturally connects to his passion for helping parents pass on both spiritual and financial wisdom to the next generation.
Resources Mentioned
• Dave Ramsey’s “The Total Money Makeover (https://amzn.to/4a0KVZH) “
• Financial Peace University
• The Baby StepsPractical Takeaways
Teaching Moments to Try This Week:
• Use junk mail ads to discuss the real cost of financing purchases
• Give kids a budget at the fair or store and let them make spending decisions
• Include children in family financial goals with a vision board
• Divide allowance into three categories: give, save, spend
• Involve kids in Christmas shopping with a set budget per person
• Let teenagers participate in car shopping discussions (cash only!)
For Parents:
• Track your spending for one week—just observe without judgment
• Have one money conversation with your spouse that isn’t an argument
• Identify one money pattern from your childhood you’d like to change
• Find one trusted person to talk honestly about your financial challengesConnect with Pastors & Money
• Email: joy@pastorsandmoney.com (mailto:joy@pastorsandmoney.com)
• Instagram ( / pastorsandmoney ) /Facebook ( / pastorsandmoney ) : @pastorsandmoney
• Website: pastorsandmoney.com/podcast (http://pastorsandmoney.com/podcast)
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