Debt Is an Advance on Your Future Earnings Every time you borrow money, you're committing a portion of your future income to pay for something today. Whether it's a car loan, credit card, or another form of financing, debt comes with an obligation that can limit your future financial freedom.…
Are we confusing genuine prosperity with the illusion of wealth? Artificial intelligence and technological innovation are transforming our economy, much as automobiles and electrification did during the Roaring Twenties. But technological progress doesn't guarantee financial security. Speculation, excessive borrowing, and the relentless pursuit of wealth can create a dangerous illusion…
Is America heading toward a serious economic correction? Consumer debt has reached alarming levels, and I see troubling similarities between today's economy and the years preceding the Great Depression. I'm not predicting another depression, but I believe too many Americans have become dangerously comfortable borrowing against their future earnings. In…
Are We Repeating the Roaring Twenties? America's Consumer Debt Crisis Are Americans borrowing their way toward another major economic correction? In this episode of The CFS Review, John Warren compares the extraordinary prosperity and financial speculation of the Roaring Twenties with the economic conditions of 2026. A century ago, automobiles,…
The CFS Review with John Warren examines business, finance, leadership, the economy, and current events from a practical perspective and through a Christian worldview. CFS Financial Business • Finance • Leadership cfsfinancial.net
President Trump has disappointed many Americans—including conservatives who support several of his policies. Has his leadership style, rhetoric, and approach to governing undermined public confidence heading into the 2026 midterm elections? In this special Election Day edition of The CFS Review, John Warren examines ten controversies and policy decisions that…
The killing in Ukraine must stop now! CFS Financial Business • Finance • Leadership cfsfinancial.net
The data around Russia's occupation of Ukraine is astounding! CFS Financial Business • Finance • Leadership cfsfinancial.net
This clip explains Russian aggression against Ukraine in clear terms. CFS Financial Business • Finance • Leadership cfsfinancial.net
Ukraine War: The Human Cost, Economic Consequences, and the Search for Peace | The CFS Review The war in Ukraine has continued since Russia's full-scale invasion in February 2022, with devastating human and economic consequences. Hundreds of thousands have died, enormous amounts of property have been destroyed, and the prospects…
Christian education is a wonderful means of advancing God's kingdom and making disciples, generation after generation. The students graduating today were preschoolers when I began this work. Think about the lasting, generational impact of a Christian school that remains faithful to its mission. #TheCFSReview #ChristianEducation #ChristianSchools cfsfinancial.net
One of the most troubling problems I encounter is Christian organizations that have drifted from their original mission. Financial pressures and the desire to appeal to a broader audience can gradually compromise an organization's purpose. Christian schools and ministries must remain focused on advancing God's kingdom. #TheCFSReview #ChristianLeadership #ChristianEducation cfsfinancial.net
Too many organizations spend thousands of dollars developing strategic plans that end up on a shelf, never to be referenced again. A meaningful strategic plan should focus on your value proposition, establish measurable objectives, and guide the work of the entire organization. #TheCFSReview #StrategicPlanning #NonprofitLeadership Business • Finance • Leadership…
Your bank is not your partner. It's a funding source. Christian schools and nonprofits should maintain strong banking relationships, but they must understand the difference between a lender and a partner. Former bank CEO John Warren explains why this distinction matters. #TheCFSReview #ChristianSchools #NonprofitFinance CFS Financial Business • Finance •…
How to Help Your Christian School or Nonprofit Thrive Without Hiring a Consultant | The CFS Review How can a Christian school, church, or nonprofit become financially sustainable while remaining faithful to its mission? In this episode of The CFS Review, John Warren draws on more than a decade of…
GDP Explained in Plain English GDP sounds complicated, but the basic idea isn't. Gross domestic product is a measure of the value of finished goods and services produced in the economy—and it's one of the primary ways economists measure economic activity. CFS Financial Business • Finance • Leadership cfsfinancial.net
How a $20 Bill Became $10 in Spending Power Inflation doesn't necessarily take dollars out of your wallet—it reduces what those dollars can buy. A $20 bill can remain a $20 bill while its real purchasing power falls dramatically. Business • Finance • Leadership cfsfinancial.net
“I’m About to Scare You to Death… America’s $40.26 Trillion Debt” The national debt has climbed above $40 trillion, while annual federal deficits continue to add trillions more. The numbers illustrate just how quickly America's debt burden is growing. Business • Finance • Leadership cfsfinancial.net
America’s Debt Is a Credit Card Spiral America's growing debt can be compared to using one credit card to pay the interest on another. Continuing to borrow to finance deficits and service existing debt cannot continue indefinitely. cfsfinancial.net
“They’re Diminishing the Value of Your Money” When government pumps more money into the economy, the purchasing power of the dollars you already have can decline. That particularly affects savers who have accumulated cash and other dollar-denominated assets. cfsfinancial.net
What can declining customer service tell us about the economy? In this episode of The CFS Review, John Warren looks beyond traditional economic measures and considers something consumers experience every day: customer service. Long wait times, understaffing, reduced service, and companies cutting costs may tell us something about where businesses…
What would it actually take to change Iran’s behavior? A look at the limits of military action and the challenge of dealing with Iran’s leadership. Watch the full episode: A Deal With Iran is Impossible on The CFS Review. CFS Financial Business • Finance • Leadership cfsfinancial.net
A closer look at the differences between Christianity and Islam and why those differences matter when discussing Iran and its religious leadership. Watch the full episode: A Deal With Iran is Impossible on The CFS Review. CFS Financial Business • Finance • Leadership cfsfinancial.net
Why understanding Iran’s religious worldview matters when evaluating its actions and its relationship with the West. Watch the full episode: A Deal With Iran is Impossible on The CFS Review. CFS Financial Business • Finance • Leadership cfsfinancial.net