Should You Change Your Financial Finish Line? with Cody Hobelmann

Faith & Finance24mMay 1, 2026

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AI-Generated Summary

In this episode of Faith & Finance, host Rob West welcomes back Cody Hobelmann, a Certified Kingdom Advisor and Wealth Advisor at Wealth Squared, to discuss the dynamic nature of financial finish lines. The conversation centers on the idea that a financial finish line—defined as 'how much is enough'—is not a rigid endpoint but a living, evolving goal that should be revisited as life circumstances change. Cody emphasizes that setting a lifestyle finish line brings freedom, contentment, and spiritual clarity, helping individuals prioritize generosity and stewardship over accumulation. He walks through the three key components of determining a finish line: current lifestyle spending, wealth transfer goals, and a conservative margin for uncertainty. The episode also includes practical advice on how to begin, such as a 90-day trial of a financial finish line, and addresses real listener questions about Social Security claiming strategies and Roth IRA conversions. Throughout, the theme remains that financial decisions should be rooted in faith, prayer, and a long-term perspective on stewardship.

Key Takeaways
1

A financial finish line is not a fixed endpoint but a flexible goal that should be reviewed annually or when major life changes occur.

2

Setting a finish line brings freedom and contentment by aligning spending with purpose and values, not just income.

3

Generosity should be practiced even before reaching your finish line, building a habit of giving that prepares you for future blessings.

4

When determining your finish line, consider three pillars: current lifestyle spending, wealth transfer goals, and a conservative margin for uncertainty.

5

Roth IRA conversions should be done incrementally to avoid pushing yourself into higher tax brackets and triggering costly side effects like higher Medicare premiums.

…and 1 more takeaway available in PodZeus

Chapters
0:00
9 min

Introducing the Financial Finish Line Concept

A financial finish line is simply an answer to the question, how much is enough?

Highlight
9:06
8 min

What Makes a CKA Different? Faith Meets Finance

Cody explains the unique value of being a Certified Kingdom Advisor (CKA), emphasizing that scripture is the foundation of financial wisdom. He contrasts CKAs with traditional advisors by highlighting their commitment to truth, values, and faith-driven conversations about money.

17:00
6 min

The Three Pillars of a Financial Finish Line

We don't know what will happen in the future. Life throws curveballs at us all the time, so it may be wise to have a conservative margin.

Highlight
22:30
4 min

Practical Steps and Spiritual Implications

A financial finish line really trained me to acknowledge God first in stewardship decisions.

Highlight
26:30
3 min

Listener Questions: Social Security & Roth Conversions

Rob answers two listener calls: one about optimal Social Security claiming strategies given health concerns, and another about the best approach to Roth IRA conversions. Both answers emphasize long-term planning, tax efficiency, and aligning decisions with personal values.

High-Impact Quotes
A financial finish line really trained me to acknowledge God first in stewardship decisions.
Cody Hobelmann14:22
Viral: 90.0
You will be enriched in every way so that you can be generous on every occasion.
Rob West14:52
Viral: 88.0
A financial finish line is simply an answer to the question, how much is enough?
Cody Hobelmann7:48
Viral: 85.0
Speakers

Host

Rob West

Guest

Cody Hobelmann
Topics Discussed
Financial Finish Lines95%Faith-Based Financial Planning90%Generosity and Stewardship88%Lifestyle Spending and Budgeting85%Wealth Transfer and Legacy Planning80%Social Security Optimization75%Tax-Efficient Withdrawal Strategies72%Roth IRA Conversions70%
People & Brands

Rob West

person

18xPositive

Cody Hobelmann

person

12xPositive

FaithFi

organization

8xPositive

Faithful Steward

other

5xPositive

Wealth Squared

organization

4xPositive

Mark

person

2xPositive

Finishlinepledge.com

product

2xPositive

Luke 12

other

2xPositive

Christian Healthcare Ministries

organization

2xPositive

Ecclesiastes 3:1

other

1xPositive

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