 Are we waiting too long? Ron Blue joins us today with an idea you may not have thought about. And then it's on to your calls at 800-525-7000. That's 800-525-7000. This is Faith and Finance, biblical wisdom for your financial decisions. Well, our good friend Ron Blue is the co-founder of Kingdom Advisors and a prolific author and speaker on Christian personal finances. Ron, great to have you back with us.