Mississippi Christian Living: February 2026

4 financial pros talk love, money, and stewardship

From banking to summer camp How God loosened my grip on ‘success’

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Christmas carols and a widower’s harmonica reminded columnist Sarah Rein that we can have joy in the midst of grief. See page 8. Instead of pursuing perfection (or a perfect mate), columnist Nicole Brown is aiming at the Greatest Love this Valentine’s Day. See page 10.

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Are we ‘spending’

our time — or investing it?

Inever thought I’d be excited to have grown-up food for dinner.

By “grown-up food,” I mean meals like red beans and rice or homemade beef and veggie soup. The stuff that doesn’t exactly thrill you as a kid but hits the spot as an adult if you do it right. Now I kind of wish my taste buds had grown up sooner.

As a child, I was picky; as a single woman, I was lazy. I knew how to make a handful of delicious meals — thanks to my mom, who famously says, “If you can read, you can cook” — but I had zero desire to learn more. So I rotated between those half-dozen dishes, and when I grew bored, I grabbed takeout. Lots of takeout.

When Stephen and I got married, we started cooking more than either of us had before. At first, I hated all the research and planning. I didn’t want to constantly have to figure out some new, exciting dinner to prepare. But now, since we’ve expanded our repertoire and are no longer combing the internet for recipes, I’ve taken charge of meal planning and am happy to do so. And, too much restaurant food makes me feel gross.

Now, I was going to give y’all more details about my single-era takeout consumption. I even went to my online bank account to pull up some old statements — but I couldn’t access them. My bank essentially said, “Nah, girl, you don’t need to look at that.” My online statements only go back four years; by that time, since Stephen was taking me on dates, I “only” spent about $100 a month on food not made at home.

Single-era Stephen allowed coffee runs and takeout to eat away at some of his money, too — but he did a better job of saving the rest of it. Unlike me, he never flew across the country without thinking twice. He never spent money he didn’t have on pricey concert tickets or Christmas gifts. And, once he was a working adult, he never incurred overdraft or “maintenance” fees. (I thought the latter were standard — then I learned that banks only charge a maintenance fee if you don’t keep a minimum balance of a certain amount. How insulting!)

All that to say, I wish I could’ve contributed more financially when we got married. Even if I’d only put $50 a month in

savings (instead of drive-thru windows), in 10 years I would’ve saved $6,000. If I’d invested that $50 a month? I’d be looking at $30,000.

Kayla Soukup, one of the financial professionals in this month’s Cover Story, made a similar discovery when totalling up what she’d spent getting her nails and lashes done each month. She and I both wish we’d made some changes sooner.

I’ve been similarly convicted lately about the way I steward my time. Late last year, I decided to make a list of priorities, in order, and start writing it at the top of my desk calendar each month. Hopefully, the list will remind me that my close relationships are more important than, say, getting three intense workouts in every single week. On my deathbed, I’m not going to gaze off into the middle distance and say, “I wish I’d done more squats … “

When it comes to our time, money, and energy, we could “spend” it doing whatever we want in the moment; we could “save” it by refusing to do anything not chiseled into our sacred weekly routine; or we could invest it by pouring into the people and things that matter.

What or whom are you investing in for eternal dividends? What is sucking up your resources and providing momentary benefits but no long-term ROI? What could go either

way, depending on the week? Let’s brace ourselves and take a look. We might have to make some hard changes. We might feel like kids being forced to trade pizza for veggie soup. But eventually, we’ll taste and see that God’s way is better.

In this issue:

● My cover interview with four financial professionals (page 16)

● Financial tips and resources for 2026 (page 22)

● Twin Lakes camp director enjoying second career after retiring from financial sector (page 14)

On this month’s episodes of ‘Oh My Word with Katie’:

● Author Toni Shiloh on her hockeythemed romance “Hearts on the Fly” (February 5)

● Authors Lynette Eason and Dani Pettrey on their two suspenseful novellas, published together as “Whiteout” (February 19) Y

Katie Ginn katie@mschristianliving.com

Every heart prepare Him room

We made it. January is over, and I for one am never sad to see her go.

In December, we had a solid excuse for just about anything:

● Haven’t gotten out of your pajamas at 3 p.m. on Saturday, and all that the kids have eaten are handfuls of Christmas goodies from the aluminum tins and cellophane bags your neighbors and work friends gifted you? So what? It’s Christmas.

● Can’t remember the last time you dusted or mopped? Why bother? Every inch of space is covered in nativity scenes and garland, and the once-lovely tree is shedding needles every time someone walks near it.

● Not prioritizing your health? There are three parties a week, and it is freezing outside. Not the time to tackle this problem.

Then January comes along and rudely robs us of our defenses. We are suddenly left staring our issues directly in the face without the twinkling Christmas lights and festive music to distract us. And here’s the truth: Life is hard. On this earth, it will never not be.

A few days before Christmas, dozens of people from my neighborhood gathered to carol. We often visit the same families each year, and our first stop was the home of a retired Presbyterian minister. Every year, this elderly man of God would enthusiastically pull out his harmonica and play for us while his beautiful wife grinned behind him.

But this Christmas was the first he’d had to celebrate without her in over 50 years. I worried that the lyrics of “Joy to the World” would sound hollow in the face of her loss just a few months prior. But as we stood at his door, candles in hand, to beckon the world to receive her King, I felt foolish. Is he suffering? Of course he is — more deeply than I can imagine right now. But aren’t we all, to varying degrees? Isn’t the world itself groaning under the curse of sin, sadness, and death?

And when our neighbor picked up his harmonica yet again, sang with us, and cried on his doorstep, I imagined those hymn

“ Every year, this elderly man of God would enthusiastically pull out his harmonica and play for us while his beautiful wife grinned behind him. But this Christmas was the first he’d had to celebrate without her in over 50 years. I worried that the lyrics of ‘Joy to the World’ would sound hollow in the face of her loss.”

lyrics might actually be more meaningful than ever. “Let every heart prepare Him room, and heaven and nature sing” reminds us that Christ has come … and He is coming again. In the meantime, we sin, we suffer, we doubt. But take heart, Christian, for as the Narnian tale reminds us,

“Wrong will be right, when Aslan comes in sight, At the sound of his roar, sorrows will be no more, When he bares his teeth, winter meets its death, And when he shakes his mane, we shall have spring again.” Y

Sarah and Trey Rein make their home in Brandon with their four children and the best neighbors, just down the road from their beloved Lakeside Presbyterian Church. Sarah is a realtor and lover of good books and learning. You can follow her on social media for all things real estate and literature.

The accumulator’s trap

Most people believe they are making progress with money because they are taking action.

They are saving.

They are investing.

They are doing what they were taught to do.

Yet there is a large disconnect between the amount of their progress and the assurance of their financial security. I have found that people are far better at growing their assets than crafting a plan that reflects what they care about.

This is what I’ve come to think of as The Accumulator’s Trap.

At some point, we got into the excellent habit of saving and investing. But then life got busy and we never stopped to question what we were saving exactly for. It is my true passion to help people design and implement a financial structure that reflects what they most care about.

Due to our instant gratification society,

we are quick to move onto the next “hack” or to optimize the next thing. In turn, we miss the opportunity to allow our money to serve as an extension of our values. This happens when people start planning in the opposite sequence; they start with optimization (tax and investment strategy), move down into funding the optimal strategy, and then at the end, wedge that into their values. I firmly believe that all families would have more peace of mind if they started with values, then moved into funding, and lastly into optimization.

Accumulators can struggle with always deferring and never enjoying their money.

As financial planners, we help accumulators work out the painful tension between saving for tomorrow and enjoying the now. A lighthearted, effective strategy I’ve seen work with clients navigating this tension is by giving them a fictitious “spending license.” By allowing us to do deep financial planning work, we can help clients balance overfunding future goals

and under-enjoying their life.

By avoiding the accumulation trap, we become better spouses, parents, coworkers, and members of our local community. We create the space for our most important values to make their way to the people we care about most.

What I’ve found really moves the needle is not returns: It is living a life built on purpose instead of account balances grown by default. Y

Sam is a lifelong Jackson native and is an investment adviser with Mascagni Wealth Management. He passed his CERTIFIED FINANCIAL PLANNER® exam last November, showing his dedication to serve his clients in the highest capacity. Sam helps retirees, business owners, and families accumulate, spend, and pass on wealth in a tax-efficient way. He focuses on bringing clarity to complex financial decisions so clients feel confident about the choices they are making today and how those decisions shape the life they are building over time.

Rooted in love: A new season for the soul

Heyy’all! Can you believe we’ve already flipped the calendar? There is something about that crisp chilly air in January and February that feels like a fresh canvas. As we settle into this new year, I’ve been reflecting on how beautifully our faith intertwines with the way we love ourselves and others.

We often talk about “new year, new you.” But as believers, we know it’s more about being renewed in Him.

The foundation of wellness

When we think of wellness, we often jump to green smoothies or hitting the gym. While those are great, true wellness starts in the spirit. This year, I’m challenging myself and you to view health through the lens of stewardship. Our bodies are the vessels through which we serve our families and communities. Wellness isn’t just physical; it’s the mental and spiritual space we clear for the Spirit to move. That looks like:

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● Spiritual nourishment: Starting the day in the Word before the world starts asking for your time.

● Mental rest: Unplugging from noise to hear God’s voice.

● Physical honor: Moving our bodies not as a punishment for what we ate but a celebration of what we can do.

Redefining the season of love

By Valentine’s Day, many of our January goals are gathering dust. But I like to view February 14 as a divine reset. Whatever your relationship status, this holiday is an invitation to celebrate the greatest Love – one that doesn’t require a restaurant reservation or a box of chocolates. It’s the love of a Father who saw us, chose us, and calls us His own. When we’re rooted in that affection, we’re free to love others and ourselves from a place of abundance.

● Love for neighbor: That Mississippi hospitality we’re famous for — checking on a widow or bringing a meal to a new mom.

● Love for self: Not out of vanity, but out of a realization that you are “fearfully and wonderfully made.”

Walking into your ‘wholeness’

As we move deeper into this year, let’s merge our desire for a “better life” with our pursuit of a God-centered life. Let’s fuel our wellness intentions with prayer. If you’re walking the neighborhood trails, make it a prayer walk. If you’re meal prepping, do it with gratitude.

Resolutions might fail by mid-February, but grace is new every morning. Let’s stop chasing perfection and start chasing presence. Our light shines brightest when we are healthy, whole, and headover-heels for the One who loved us first.

“And now these three remain: faith, hope, and love.

But the greatest of these is love.” – 1 Corinthians 13:13 Y

Nicole Brown is the creative force behind Lelia’s Southern Charm, where she channels her passion for fashion into inspiring content, sharing her latest finds, Pinterest-worthy outfits, and local favorites. Find her at LeliasSouthernCharm.com, @leliassoutherncharm on Instagram or TikTok, and Lelia’s Southern Charm on Facebook and Pinterest.

St. Catherine’s welcomes new medical director

St. Catherine’s Village is excited to announce the addition of Dr. William Loper as the senior living community’s new medical director.

A native of Jackson, Dr. Loper is a graduate of The University of Mississippi School of Medicine and adds a wealth of experience to St. Catherine’s. Board certified by the American Board of Family Medicine, he specializes in adults over 65 and brings not only clinical expertise but a deep understanding of the dignity, respect, and personalized attention seniors deserve. Throughout his career, he has served on numerous boards and has held several leadership roles at St. Dominic Hospital, including as chief of staff. His leadership further strengthens St. Catherine’s mission to provide peace of mind as an all-inclusive Life Plan Community.

As Madison’s preeminent Life Plan Community, St. Catherine’s offers the right care at the right time within an uplifting, missiondriven environment.

As a ministry of St. Dominic Health, St. Catherine’s serves the aging population of Mississippi with a 160-acre campus in Madison. Here, a full continuum of care is available, with independent living in garden homes and apartments, assisted living in Marian Hall, memory care in Campbell Cove, and skilled nursing in Hughes Center, Siena Center, and Tuscany. The awardwinning property is Mississippi’s first Continuing Care Retirement Community to earn accreditation by CARF-CCAC, an independent, nonprofit accreditor of health and human services working to advance excellence in the senior living industry.

Residents who enter St. Catherine’s as part of its Life Plan program are guaranteed lifetime housing and care as they age, even as their needs change. With a one-time entrance investment and all-inclusive monthly service fees, residents can move seamlessly from one care level to another without having to leave the community and connections they’ve come to know and love.

Service at St. Catherine’s reflects the organization’s core values of reverence and love for all of life, joyfulness of spirit, humility, and justice. Care focuses on every dimension of well-being — not only physical wellness but also mental health, social networking, intellectual growth, and spiritual support. This holistic approach has contributed to the senior living community’s continued success for more than 35 years and its rave reviews from residents. In fact, in several instances, multiple generations of families have called St. Catherine’s home.

Independent living

Garden homes and apartments on the St. Catherine’s Village campus offer completely maintenance-free living, plus housekeeping and linen services. Flexible dining plans allow residents to come together, while activities like music, art, exercise, devotion, and worship provide additional opportunities to connect every day.

Assisted living

At Marian Hall, personalized care supports independence while surrounding residents with warmth, understanding, and respect. Days are enriched with social activities, meaningful relationships, and gentle guidance from caring professionals.

Memory care

Campbell Cove’s award-winning memory care offers comforting routines, enriching activities, and sensory experiences designed to spark engagement and ease anxiety.

Skilled nursing

When round-the-clock assistance is needed, Siena Center, Tuscany, and Hughes Center offer options for person-centered care where individualized plans honor each person’s social, intellectual, spiritual, and physical needs so residents feel protected and respected.

Outside, St. Catherine’s boasts a heavily wooded campus filled with lush landscaping, mature trees, walking paths, sparkling ponds, and outdoor amenities, making it a beautiful oasis for a relaxing retirement lifestyle.

For more information on senior living at St. Catherine’s Village Life Plan Community, visit StCatherinesVillage.com or call 601.856.0123 to schedule a tour. Y

As a part of Madison’s preeminent, all-inclusive Life Plan Community, you can 昀nd the right care at the right time within an uplifting, mission-driven environment. As your needs change, move between independent living, assisted living, memory care, and skilled nursing without ever leaving the place that makes you happy.

Here, residents find community and connections…every day.

Reflecting on love

There is a certain kind of quiet in the painted dawn in the Mississippi Delta. The Delta is vast, open, and level, and revealing in its beauty. At first glance, it may seem sparse, but the Delta is rich with hidden life. The woods are alive with critters and birds, and the fields hold more than the eye expects. Its soil is fertile and carries deep memory, shaped ages ago when this place was once covered by water. Because it has smaller rural populations, part of its gift is the space to breathe, to notice, and to be still.

On a recent opening morning of hunting season in the Delta, I arrived well before daylight. Above me, the stars stretched across the sky in ways that cannot be seen under city lights. A light breeze carried the scent of damp earth, and there was a hint of ripened persimmons in the air. Dew dripped from oak leaves overhead. From my perch high in the tree, the first thin line of orange showed on the horizon. In moments like these, away from noise and routine, the mind slows, and the heart listens. In the stillness, reflection comes more easily.

To reflect on love, it is such a vast subject. We know vertical love is perfect,

meaning that God’s love for each of us is limitless and beyond our comprehension. That is likely one reason He gave us His Son, so we could have an inkling of the endless scope of His love. However, horizontal love between us humans is the tough part.

The big storybook tells us in 1 Corinthians 13:4 that “Love is patient, love is kind … “ It goes on to tell us the things that love is and is not. Most of us know those things intellectually. How we practice them while strapped to our brokenness is another matter. Living those things out well is the humanly hard part. We too often qualify or filter them and interject selfishness, fear, hurt, and other fallibilities.

Love is action, given regardless of return. In a marriage, a family relationship, or daily life with friends and coworkers, it can often be expressed by demonstrations, whether we are affirmed for them or not. Those can look like a compliment, a touch, a gift of time, simply listening, or unloading the dishwasher when you don’t feel like it. Human love expressed well is a compilation of countless actions for others through thought, word, and deed.

C.S. Lewis gave another description of

giving love regardless of return: “To love at all is to be vulnerable. Love anything and your heart will be wrung and possibly broken. If you want to make sure of keeping it intact, you must give it to no one, not even an animal. Wrap it carefully round with hobbies and little luxuries; avoid all entanglements. Lock it up safe in the casket or coffin of your selfishness. But in that casket, safe, dark, motionless, airless, it will change. It will not be broken; it will become unbreakable, impenetrable, irredeemable. To love is to be vulnerable.”

As we reflect on love, let’s consider not holding back but being vulnerable to giving it as well as receiving it, vertically and horizontally. As we try to model the boundless love given freely to us, taking actions with our neighbors (including the ones we live with) is how we can best gift love and receive it. Y

Chris Bates is CEO of AgoraEversole, a full-service marketing agency in Jackson, and can be reached at Chris@AgoraEversole.com. He and his wife, Stacy, live in Madison and have adult children and three grandboys.

How God loosened my grip on ‘success’

Iwastedno time buying into the American Dream, the belief that if you work hard, you will reap the rewards, that this land is full of opportunity, that with enough grit you can pull yourself up by your bootstraps.

As a Haitian immigrant who arrived in this country with nothing but a suitcase, I needed those words to be true. I needed America to keep its promise if I was going to make it my home.

Ten years later, my naïveté was exposed. I watched people who were born on this soil still struggle to make ends meet. It was as if the boots they were given had no straps, while others were missing boots altogether.

Meanwhile, my life seemed to be moving in the opposite direction. I went back to school, earned an accounting degree, and eventually started an accounting, HR, and payroll firm serving small and mid-sized businesses across Mississippi and surrounding states.

That was when a dangerous seed started taking root. If not everyone can achieve the American Dream, but I can, then I must be special. “Look what I have done.” My ego grew quietly but steadily.

Yes, people who carry ideas and build something meaningful are special. But what if those ideas aren’t proof of superiority but evidence of God’s generosity, talents entrusted to us for stewardship, as Jesus described?

Seeing my work as something entrusted, not owned, changed how I saw everything. It grounded me. It reoriented my days around the heart of the Giver rather than the shine of the gift. I realized that crediting myself for “success” had bound me to the talent itself, leaving me strangely hollow.

As I paid attention, I realized God was continuously leading me along the same path He’d taken Himself — inviting me into a generosity that costs me something.

I did not map it out at first. But looking back, I can see how prayer was loosening my grip on the things that made me feel secure. God drew me uncomfortably close to the pain of those around me. Compassion followed — not to feel noble, but to participate in that pain. And just when I thought I had done enough, I was being nudged to care about what caused the harm in the first place.

I do not claim to have mastered this, but I am learning to live within this map as a cycle, one I call the Cycle of Justice, because it keeps teaching me that stewardship isn’t about holding what I have been given well, but giving it up continuously for the sake of the vulnerable.

Even now, when my flesh craves the credit for my generosity, God gently reminds me that the truest reward is not recognition here but freedom — freedom from needing to be seen at all. Y

Rudy Bazin is an accounting professional and writer who is passionate about generosity and the ways it loosens the grip of mammon on our lives. He is working on a book on this subject, expected in the fall of 2026.

A TAG TEACHER

From banking to summer camp: Twin Lakes director enjoys second career

After retiring from a career in the financial realm, Robert Leard recently became executive director of Twin Lakes Camp in Florence, Mississippi, where he oversees eternal investments in the hearts of young people. He spoke to MCL Contributing Writer Courtney Ingle about the joy of his new job.

Courtney Ingle: What initially drew you to a career in finance?

Robert Leard: When I was 14, there was something I wanted badly that cost more money than I had. My dad co-signed a loan for me. I rode my bike to the bank every month with my (checkbook) to make payments using money I earned after school. I was fascinated by the process and wanted to help people obtain things they needed or wanted.

CI: How long were you in banking before transitioning to Twin Lakes?

RL: I spent 36 years in banking and retired in January 2024 as the market executive and head of commercial banking for Regions Bank in Mississippi.

CI: Did you feel a calling to move into camp ministry?

RL: What brought me the most joy and

fulfillment had changed over time. I found greater joy in community involvement and ministry-related work. I didn’t leave Regions so much as I went where God was leading me next — even though I didn’t yet know what that was.

CI: How did your financial career prepare you for Twin Lakes?

RL: The most important skill I brought with me was leading and caring for people. My primary responsibility as a leader is to take care of the team so they can grow and be effective.

CI: Did you feel God confirming you were in the right place?

RL: Campers spend the week learning Bible stories, memorizing scripture, and singing worship songs to perform for parents at the closing ceremony. At my first camp closing ceremony, standing there and watching more than 200 kids joyfully proclaim their love for Jesus brought me to tears. That was clear confirmation that I was where God wanted me.

CI: How has God worked in your life since becoming executive director?

RL: God has made me more aware of

my dependence on Him and of His faithfulness in providing exactly what’s needed. He continually reminds me that I cannot do this work on my own.

CI: How have you seen God at work at Twin Lakes?

RL: One example that stands out is the summer camp staff. We hire (more than) 100 seasonal staff members each summer, most between the ages of 17 and 23. This past summer, God brought together one of the most spiritually mature and gifted groups of young people I’ve ever seen. Their impact on campers was powerful, and many are already committed to returning.

CI: What do you hope others learn from your testimony?

RL: I hope people don’t wait until they’re in full-time ministry to prepare themselves to share the gospel. I wasn’t always intentional or prepared to share my faith. Now, I see opportunities to share the gospel much more clearly. Jesus died to save us sinners — my hope is that others won’t hoard that good news but will actively look for ways to share it wherever God has placed them. Y

4 financial pros

Talk love, money, and stewardship

For this year’s Money & Stewardship Issue, MCL Editor Katie Ginn interviewed four financial professionals: husband-and-wife team Marray and TK Harris, and stepdad/stepdaughter Jeff Miley and Kayla Soukup of Raymond James in Jackson. Ironically, none of them started their career in the financial realm. The ladies come from educational backgrounds, the men from engineering! But each has found blessings working with clients and with each other. Read on for some good financial and spiritual wisdom — some of it learned the hard way.

Katie Ginn: How did each of you get into the financial field?

Marray Harris: Eight years ago, TK and I got married. I was an engineer at Entergy. She was an educational consultant. She had a lot of student-loan debt (and) we wanted to get out of that fast.

I told my friend I was looking for some extra ways to make money … He told me about the financial services arena. I said, ‘I don’t know, I’m an introvert …’ And he said, ‘But you like helping people.’ (So) I got my licenses.

TK Harris: That student-loan debt was about $190,000-something. It tested our marriage. (But) today we are debt-free. With what we share with our clients, we wanted to make sure we were models. So that means not having that student loan debt, not having a mortgage, not having car notes, and making sure we are saving well, setting our children up well, and making sure we’re ready for retirement.

KG: How long did it take y’all to get debtfree on everything?

MH: About seven years. We didn’t take as many trips, didn’t go out to eat as much. We basically lived off of my paycheck, and her paycheck paid down the loans.

Kayla Soukup: I taught middle school for nine years. I knew Jeff was looking for someone to be his succession plan. So there was about two years where all of us, me and Jeff and Mom, prayed about finding someone to fill that role, and I really thought it was going to be one of my good friends. And then, when that didn’t work out, and as I got to a place where I felt like I was called to do something different, it just seemed like an open door (and) a blessing.

Jeff Miley: My background and degree is in petroleum engineering. I graduated in a year where the oil industry was not doing well. I spent three years working offshore with the intent of staying in the industry, but it never really improved throughout the mid-’80s.

A friend of mine that worked for a (financial) firm here in Jackson said hey, come interview, maybe you can pass the test. Well, 38 years later, I’m still in the business. Throughout my career, I wasn’t always walking step in step with the Lord. I had one

“With what we share with our clients, we wanted to make sure we were models. So that means not having that student loan debt, not having a mortgage, not having car notes,” said TK Harris.

Kayla Soukup thought that her stepdad, financial advisor Jeff Miley, had found a succession plan. “When that didn’t work out, and as I got to a place where I felt like I was called to do something different, it just seemed like an open door (to work with him),” she said.

foot in church and one foot out of the church. But over the course of the years, with the help of a former partner that I had here … He was just a really instrumental part of my journey.

And any success I have had in the last 15 years is a result of my wife (Pam’s) prayers

for me. Every day, I have the privilege to know I have been prayed for.

KG: What other ways has being in this industry grown your faith? JM: We don’t just ‘sell investments.’ We walk clients through birth, death, marriage,

“Some of the people that we’ve talked to, they’ve never considered investing. But when I’ve been able to educate people and instill hope in a long-term future, I’ve seen how much of a blessing that is,” said Marray Harris.

“We don’t just ‘sell investments.’ We walk clients through birth, death, marriage, divorce. There’s typically money involved … but it gives us a chance to serve people in a different way,” said Jeff Miley.

divorce. There’s typically money involved … but it gives us a chance to serve people in a different way. There are clients that have helped me grow, invested in me, and (vice versa).

And (even) without having a Christian label on your lapel, people kind of know how you are, or (they) inquire about your faith, when you treat them a certain way. For me, it’s a platform to share the gospel, when the opportunity presents itself.

KS: Right after I got licensed, I started to sit in meetings with Jeff. And within the first two months, two clients passed away ... and

in these meetings, the widows were crying, and they were thanking Jeff, and they were putting all their hope and trust in him ...

And I’m crying.

But Jeff was so steady and so strong and was such a rock for these people. (That) made me see that there are opportunities in this job to serve people well when they really need someone.

TKH: I’m continually praying for people to be set free spiritually. It’s hard to feel free spiritually when you’re bound by finances. As we’ve continued to work in this business, we’ve been able to develop more

relationships where we can pray with people, and when that time is right, also share the good news.

MH: I’ve spent a lot of time having to deal with hard issues that lend themselves to heartfelt conversations. And it’s just been a blessing to me, because I’m like, ‘Lord, You didn’t have to put me in this position.’ Even TK and I telling people about us getting out of debt — the hope that I’ve been able to see in people’s faces.

We don’t work with a lot of high-end investors from the beginning. We’re kind of grassroots. And some of the people that we’ve talked to, they’ve never considered investing. But when I’ve been able to educate people and instill hope in a longterm future, I’ve seen how much of a blessing that is. Not necessarily hope in the money, but it’s a biblical principle: If you put seed in the ground, you’ll reap if you’re patient.

KG: What’s the biggest thing you have learned about people through working in the financial realm?

MH: I used to hear one of my mentors say, ‘Money decisions aren’t head decisions, they’re heart decisions.’ I’ve seen that. People will do the things they want and then use logic to justify those decisions.

If (someone’s) car breaks down and they need a new one, instead of getting a reasonably priced car, they get a $40,000$50,000 car and say, ‘I had to get this car because my car broke down.’ I try to challenge people not to necessarily follow their heart in terms of what they deserve. That’s a thing I hear a lot: ‘I deserve this.’ I tell them, ‘But do you deserve that more than peace?’ Go after peace first. Be patient and wait for the other stuff.

TKH: I thought I had to have patience having four kids, but I’ve learned (I have to have more) in this business, because every client is different. So I also have to put my educator hat on. I have to meet people where they are, and I have to have some grace (because) they might not move exactly as we’re recommending in the moment.

KS: One thing I’ve learned about people over the past two years is that the majority of people do not walk into this office with a lot of education on their finances. … Coming from education myself, there is such a lack.

That’s where I feel emboldened and passionate. I really want to share more to young adults. They should be teaching this in high school. They should know about investing in middle school.

JM: What I’ve learned is, people still want a personal relationship. It’s still a people business. Information is everywhere. But I believe every person needs an advisor or an advocate to help them with their finances. The other thing I would say is, most people don’t understand the level of risk they’re taking. We’ve bought into this idea that the stock market has always been good, therefore it’s always going to be good. And it will be, until it isn’t.

KG: How many of you are savers? Kayla, you’re the only one not raising your hand. Are you the spender?

KS: I have been the perfect consumer my

entire life. (Recently) I have really looked at what that has cost me over the last 15 years. When I was 24, I was getting my lashes and nails done. If I had taken that $170 (a month) for my first six years of working, and invested that, I asked AI what I would have today, and it kicked out $30,000.

In another 30 years, do y’all know what that would be? Half a million dollars. For nails and eyelashes for six years. So I am slowly transitioning (from spender to saver).

KG: Jeff’s reaching for the mic … Do you have additional information about these lashes and nails? (laughs)

JM: No, not about her. But I am a saver. And what I tell many of my clients is, I have zero control over the stock market; I have zero control over interest rates; what I do have control over is how much I save each month, period.

KG: Harrises, I would love to know how the past six years of working together has strengthened your marriage.

MH: There’s the working on the business side, but there’s also working on the personal side, to kind of be the test (case). I’ve always been kind of miserly, I’ve been told by my parents. Initially, TK probably didn’t appreciate all the vigor I put behind (paying off the student loan debt). But over time … the roles reversed. I was like, ‘We can slow down,’ and she was like, ‘No!’ We both saw the value of being debt-free.

TKH: It has been a challenge at times. So I tell people, man, my student loans almost caused us to get a divorce! That’s not a good thing. So when I think about how debt can impact a family, it really grieves me. So the way we move in this business has helped me think about how (Marray) leads the family.

Marray looks ahead. He knows what we need to be doing. So I have to actually follow that. That’s been the thing I have to work on, is letting him be the head.

KG: What’s been the biggest financial mistake each of you has made?

TKH: I shouldn’t have borrowed that much money for school. That money could’ve paid for all four kids to go to school, (if it had been) invested well. Or it could’ve done other things to help families, or help pour back into the kingdom.

MH: When I first graduated from Mississippi State with an engineering degree, I thought I had made it. My first job was with Toyota in northern Kentucky. I said I was miserly — that’s because my family was poor growing up. So then, having that degree, being around people with really nice (things), one day a guy my age took me to his brownstone (and) he had a really nice TV. When I saw that, I felt less-than.

As soon as I bought my duplex in Kentucky, I purchased a $3,000 TV. That was probably 25 years ago. Had I just invested that money, oh my goodness.

I wanted that thing to validate where I was, instead of allowing the Lord to say (to me), you’re valuable, not (because) of the things you’ve accumulated.

KS: My biggest financial mistake has been the consumer mindset. … If I take a look at my closet, there’s a lot of money in there, and I probably only use about 20 percent of what’s in there. Like (Marray) said, I have felt like these are things that validate me. And that’s what we’re fed with social media.

JM: I’m not sure there’s one particular thing, other than probably not being diligent enough in saving at an earlier age. Maybe some of it was a fear of failure … starting (my career) over in my late 20s when other people were getting married and having kids, and I was not. I wanted to fit in. I had to have the car. I had to be able to participate with whomever.

KG: What’s the best part of your job?

JM: The people, period.

KS: I love the educational piece of it. Recently, I have been working with some

previous coworkers, teachers, and sitting down with them to go through, what does budgeting look like? I think the Lord gave me a passion for education many, many years ago, and I really believe that I’m still teaching.

TKH: The education part is one of the most exciting things for me, because I have

that education background as well. But I would also say, meeting new people and building new relationships, because it continues to extend the branches of the love and the help that we can provide.

MH: I figured my path to success was going to be at a desk. But this has really pushed me to get out of my shell. It’s forced us to really engage — we engage at our church, but to be more intentional in other spaces, because we are trying to pull clients in. It’s been good from the client side, but it’s been good just to be good friends. It’s been a rich experience.

KG: If you could give one broad piece of advice for someone who’s trying to get serious about their finances, what would it be?

TKH: Don’t be afraid to actually look at your numbers and look at your debt. And begin to analyze where you are and create a plan to start getting rid of that debt.

MH: Piggybacking on that … budgeting. So many people don’t really want to be held accountable to themselves. (laughs) Dave Ramsey talks about the zero-dollar budget. Every dollar should have a place.

In addition, having an adequate emergency fund. People always want to invest — then I ask, ‘Do you have an emergency fund?’ Does it make sense for you to have money in an investment, then have a crisis, and have to pull money out of that investment?

KS: Know what you have, and know what it’s doing. I let my PERS (Public Employees’ Retirement System) retirement sit still, doing nothing, for about eight years, because I just didn’t want to think about it. I’ve got a hold of it now, thank goodness, and it’s doing something.

And know what you’re spending. Take a hard look at what you’re spending on food.

JM: You’ve got to know where you are before you know where you’re going. People spend more time planning vacations than planning their financial future. You have to have a plan in place. That’s where the advice portion of what we do, to me, is critical. You have a coach when you go to the gym. Why not have a coach help you with your finances? You can’t just throw a dart at the dartboard and expect it to work out.

For more information

Jeff Miley and Kayla Soukup

Miley Wealth Management

jeffrey.miley@raymondjames.com kayla.soukup@raymondjames.com 601.368.2200

4266 I-55 N, Ste. 200 • Jackson, MS 39211

Raymond James & Associates, Inc., member New York stock exchange/SIPC

Marray and TK Harris

raymar2000@gmail.com 601.665.8714 Y

If you aren’t sure whether you have a relationship with God or where you’ll go when you die, please don’t put this magazine down until you’ve read the following:

✝ THE PROBLEM

For all have sinned, and come short of the glory of God. – Romans 3:23

For the wages of sin is death … – Romans 6:23a

The natural result and consequence of our sin is eternal death, or hell (Revelation 20:15), separated from God. This is because God is completely perfect and holy (Matthew 5:48), and His justice demands that sin be punished (Proverbs 11:21).

✝ THE SOLUTION

… but the gift of God is eternal life through Jesus Christ our Lord. – Romans 6:23b

But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us. – Romans 5:8

Jesus Christ died in our place on the cross and took on the punishment for all our sins (Isaiah 53:4-6). Then God raised Him from the dead (John 20)!

✝ HOW TO RECEIVE SALVATION

If you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. – Romans 10:9

Trust in what Jesus has done for you — His death for your sins and His resurrection — and trust Him as Lord.

✝ IS IT FOR ANYONE?

For whosoever shall call upon the name of the Lord shall be saved. – Romans 10:13

✝ THE RESULTS

Therefore being justified by faith, we have peace with God through our Lord Jesus Christ. – Romans 5:1

For I am persuaded, that neither death, nor life, nor angels, nor principalities, nor powers, nor things present, nor things to come, nor height, nor depth, nor any other creature, shall be able to separate us from the love of God, which is in Christ Jesus our Lord. – Romans 8:38-39

✝ WHAT TO DO NEXT

So then faith cometh by hearing, and hearing by the word of God. – Romans 10:17

If you decided to trust in Jesus, grow in your faith by reading more of God’s Word in the Bible. We recommend the gospel of John (it comes just after Luke) as a good starting point — or Romans!

Finding a church close to you that teaches faith in Christ is another important step. It’s crucial to spend time with other believers so we can encourage each other in our faith.

If you have questions about anything on this page, please contact us at 601.896.1432, or send us a message on Facebook @MSChristianLiving, Instagram @mschristianmag or Twitter @MSChristLiving.

How’s your financial foundation? Tips and resources for 2026

Whether you’re saving for your emergency fund, approaching retirement, or just hoping your new airconditioning unit was worth the hit to your wallet (thanks, Mississippi!), we all want to stay on firm financial footing. The banks, insurance agents, and wealth management firms in this article can help. Read on to learn what they have to offer, plus a few financial tips!

Ballew Wealth Management

As an independently owned wealth management firm, we hold ourselves to the highest of fiduciary standards and have a fundamental obligation to always act in the best interest of our clients. Our depth

“ Our clients realize the benefits of our firm’s team approach and the depth of over 200 years of institutional knowledge.”

– Ballew Wealth Management

of services offered includes investment advisory services to individuals, foundations and trusts, private wealth management, holistic financial planning, corporate retirement plan management, social security planning, and estate planning. Our clients realize the benefits of our firm’s team approach and the depth of

over 200 years of institutional knowledge and investment expertise. Our mission is to put our client’s interest above all else.

Bank, we believe

Retire With Confidence.

“ Financial success is more than managing today’s decisions — it’s envisioning tomorrow’s possibilities. True financial peace comes from setting a clear direction and taking intentional steps toward it.”

– Citizens National Bank

financial success is more than managing today’s decisions — it’s envisioning tomorrow’s possibilities. True financial peace comes from setting a clear direction and taking intentional steps toward it. A good financial plan starts with getting the essentials in place, such as saving for emergencies and setting up automatic deposits that help your savings grow without extra effort. From there, you can strengthen your finances by taking a closer look at where your money goes each month and finding simple ways to free up extra cash. Paying down debt on purpose — even a little at a time — also makes your financial footing stronger. As your life and priorities change, you can start directing more of your money toward what matters most to you, like retirement, your children’s education, or big future purchases. Regular annual reviews ensure your plan adapts with life’s changes and remains forward-looking and opportunityfocused. 601.607.7171 – YourCNB.com

“ Scripture on their marquees, a live person answering the phone each time you call, and a personal relationship with your banker have been defining factors in Community Bank’s success.”

– Community Bank

Community Bank

Community Bank, who today has $5 billion in assets with 56 offices and more than 850 staff members across Mississippi,

Alabama, Florida and Tennessee, has deep traditions when it comes to culture and how they do business. A consistent priority of doing things the right way – scripture on their marquees, a live person answering the phone each time you call, and a personal relationship with your banker have been defining factors in Community Bank’s success for 120 years. Their philosophy of putting the highest value on taking care of customers, no matter the relationship size, and making their communities better places to live and work, has ensured Community Bank is built to last.

“

Dye Resource Management works closely with clients to align investment strategies with retirement goals, risk tolerance, and legacy priorities.”

– Dye Resource Management

Dye Resource Management

Dye Resource Management, LLC, offers personalized financial planning for investors and retirees seeking clarity, stability, and long-term security. The firm specializes in retirement income planning, asset preservation, and long-term care strategies designed to help clients protect what they’ve built while preparing for the years ahead. Through a comprehensive and educational approach, Dye Resource Management works closely with clients to align investment strategies with retirement goals, risk tolerance, and legacy priorities. Committed to integrity and thoughtful stewardship, the firm provides practical guidance to help clients navigate financial decisions with confidence and peace of mind.

“ It’s about helping people understand what truly matters to them and aligning their finances to support that life.”

John Dorsa, State Farm

– Golden Years Financial “

Golden Years Financial

At Golden Years Financial, we believe retirement planning is about clarity, not complexity. It’s about helping people understand what truly matters to them and aligning their finances to support that life. When decisions are grounded in purpose, confidence grows — and peace of mind follows. – Clark Smith, president and financial advisor

Insurance is insurance, right? Wrong! When shopping for insurance, finding the cheapest price should never be your goal. Think about the people in California last winter, who lost everything when the raging wildfire devastated their town: As they were sitting on the curb, looking at the pile of rubble where their house used to be, do you imagine they were thinking, “I am sure glad I bought that CHEAP insurance policy!” Or were they really thinking, “I sure wish I had bought the BEST policy I could find!”

Nine insurance companies went bankrupt in Louisiana when Hurricane Ida hit. If a major disaster strikes, will your company be there when you need them? All insurance policies and companies are not the same. VALUE means finding the best coverage available at the

– John Dorsa, State Farm

best price available; this should be everyone’s goal.

Why do you need a local agent? Because I am here to fight for YOU! Holding your hand through these difficult times is what your local agent is here to do for you. I have been in the insurance business since 1985, and my goal is to provide elite customer service every day, with every customer. With John Dorsa State Farm, you are not a number: You are a unique person, with a unique situation and unique needs, and you are a part of our family. We will always treat you with courtesy, professionalism, and appreciation. Y

Discover Black history at Two Mississippi Museums

Each February, Black History Month invites us to reflect not only on the achievements of African Americans, but also on the struggles, resilience, and courage that shaped those achievements.

Few places in Mississippi are a more powerful setting for that reflection than the Two Mississippi Museums — the Museum of Mississippi History and the Mississippi Civil Rights Museum — where Black history is not confined to a single month but brought to life every day.

Opened in December 2017 as a Smithsonian-affiliated complex under the Mississippi Department of Archives and History (MDAH), the Two Mississippi Museums use immersive exhibits to examine Mississippi’s past. In both museums, exhibits demonstrate that Black history is Mississippi history, a central thread running through the state’s identity.

Visiting the Mississippi Civil Rights Museum can be an emotional experience. Its exhibits chronicle the violence, resistance, and determination that defined the Civil Rights movement. Visitors encounter the stories of ordinary Mississippians who performed extraordinary acts of courage: students who marched, ministers who organized, and families who opened their homes despite constant threats. Artifacts, photographs, and multimedia displays ensure that names like Medgar Evers, Fannie Lou Hamer, and countless others are not just remembered, but understood in the context of their time and sacrifice.

education, music, and faith — reminding visitors that Black history is not only about struggle, but also about creativity, leadership, and community building.

In both museums, religion appears as a powerful force shaping Black history, from

Next door, the Museum of Mississippi History provides a broader framework that makes those stories even more meaningful. It explores how slavery laid the economic and social foundations of the state, how Black Mississippians built institutions in the aftermath of emancipation, and how segregation shaped daily life for generations. Exhibits highlight Black entrepreneurship,

enslaved peoples’ faith traditions to churches leading civil rights activism. Exhibits show how spiritual belief sustained resilience, organized communities, inspired resistance, and fueled movements for dignity, justice, education, and social transformation across Mississippi history today.

In December 2022, Lilly Endowment Inc. awarded a $2.5 million grant to MDAH for the department’s work that advances public understanding of religion in Mississippi. The MDAH Religion Initiative aims to attract more visitors to the Two Mississippi Museums, to make archival holdings related to religion more accessible to the public, and to make improvements to two historic sites related to religion.

As part of this initiative, church groups or other religiously affiliated organizations of 10 or more can now visit the Two Mississippi Museums for free. The initiative also provides religiously affiliated groups an opportunity to use the event space at a discounted rate, including a large auditorium in between the two museums that could be ideal for a church banquet, pastor’s conference, or other events.

For information on how to schedule a free visit to the Two Mississippi Museums for your church group, call 601-576-6902 or email twommgrouptours@mdah.ms.gov. For information on discounted event rentals for faith-based organizations, call 601-576-3810 or email eventrentals@mdah.ms.gov. Y

Jackson prayer events are a call to action

Christian, if you need a sign to tell you to pray, consider this it.

On Thursday, January 15, Jackson Mayor John Horhn held a citywide prayer night at Thalia Mara Hall downtown, with local faith leaders praying for the city’s welfare, as well as for healing after the recent arson at Temple Beth Israel. Just hours earlier, another group gathered in Jackson to pray, too — though some of them didn't know what they were getting into, including myself.

Unite Mississippi, an organization aimed at uniting the body of Christ and transforming Mississippi one community at a time, met for its monthly luncheon at the Mississippi Ag Museum on January 15. But this lunch took a different format than normal.

Crossgates Church Senior Pastor Kyle Reno, one of the speakers for the day, said he didn’t just want to talk about prayer. “God isn’t impressed with my preaching,” he said. “But He loves to hear from His kids.”

Reno asked attendees, who numbered

approximately 150, to cluster in groups of four to five. From there, he led the groups in prayer according to 2 Chronicles 7:14“If my people who are called by my name humble themselves, and pray and seek my face and turn from their wicked ways, then I will hear from heaven and will forgive their sin and heal their land.”

The prayer groups took a few minutes to pray through each part of the scripture, first humbling themselves before God, then seeking His face, and repenting of sin, both as individuals and on behalf of their families, cities, and communities.

As an introvert with a quiet voice, I never felt pressured to amp up my prayers and make them more dramatic or exciting — but I felt energized and encouraged by the people around me, and I prayed more boldly than my norm. (Why would we not, when we’re asking the One who can do anything? The worst He can do is say, “No, I have something better in mind.”)

The auditorium filled with the voices of believers crying out to God in praise, in humility, in repentance, and yes, in bold requests for our city, our state, and beyond.

“If anyone tries to tell you prayer is boring, tell them they’re wrong,” Reno said.

Honestly, that luncheon was a thousand times more fun than your average Rotary Club meeting — and I’m certain it was more productive.

Later that evening, pastors, faith leaders, and several hundred everyday folks met at Thalia Mara to pray over our capital city. I was unable to attend this gathering, but my friend Tonja Murphy went and participated:

“It was refreshing to see friends in faith come together in prayer for our city. As we huddled in small groups, no one asked where you worshiped, what religion you practiced, or what you believed. We simply prayed. My prayer is that we carry that same energy from Thalia Mara Hall to every street, every building, and every corner, working toward seeing those prayers realized.”

Pastor CJ Rhodes of Mt. Helm Baptist Church offered a prayer from the stage for Jackson’s Beth Israel Congregation, still reeling after an arsonist destroyed most of the library and synagogue the weekend

before. The fire was just one of several recent antisemitic attacks throughout the world, including a December 14 mass shooting at a Hanukkah event at Australia’s Bondi Beach.

“I was deeply honored to be invited to pray at the All City Call to Prayer and Action in Jackson,” Rhodes posted on his Facebook page. “I prayed to the God of Abraham and Sarah for healing, protection, justice, and peace. To pray in the face of hatred is to refuse its logic. To stand with those who have been harmed is to affirm that violence, bigotry, and fear will not have the final word in our city,” he wrote.

Though the gathering included people from different religions and denominations, they were “united by a shared commitment to the well being of Jackson even as we authentically differ in doctrine, culture and expression,” Rhodes wrote. “It was a reminder that prayer is not only personal devotion but also public witness.…”

Rhodes ended his post by quoting

Jeremiah 29:7 — “Seek the peace of the city… and pray to the Lord on its behalf.”

When was the last time I prayed for Jackson before January 15? I have no idea.

together with a common goal of making the city better — surely the body of Christ can do so too! Surely each of us can pray a little bit more for our city, state, and nation — and for people all over the world to know Jesus, the only way to truly know the Father and be saved.

Here are some ways you can start praying more for our cities, state, and country:

● Add a daily or weekly prayer reminder to your phone’s calendar.

● Attend the next Unite Mississippi lunch at 11:30 a.m. February 19 at the Ag Museum. Free admission! Register at unitemississippi.com.

● Contact Mission Mississippi, which hosts virtual and in-person prayer gatherings. missionmississippi.org/

● Organize a virtual or in-person prayer meeting yourself, or maybe your church already hosts one!

When was the last time you did? If a government leader like the mayor can hold a public prayer meeting — and if Christians, Jews, and Muslims can pray

We have 24/7 access to the God of the universe. Let’s remember that more often, and let’s pray boldly. Y

FEBRUARY EPISODES:

Toni Shiloh

Author of ‘Hearts on the Fly’ (February 5)

Lynette Eason & Dani Pettrey

Authors of ‘Whiteout’ (February 19)

● Listen on Apple Podcasts, Spotify, or Amazon Music

● Follow @ohmywordpod on Facebook and Instagram

“For where your treasure is, there your heart will be also.”

~ MATTHEW 6:21, NIV

“Honor the LORD with your wealth and with the firstfruits of all your produce.”

~ PROVERBS 3:9, ESV

“Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.”

~ LUKE 16:10, NIV

“Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”

~ 2 CORINTHIANS 9:7, ESV

“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”

~ 1 TIMOTHY 6:10, NIV

“A generous person will prosper; whoever refreshes others will be refreshed.”

~ PROVERBS 11:25, NIV

“Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’ ”

~ HEBREWS 13:5, NIV

“Bring the whole tithe into the storehouse … and see if I will not throw open the floodgates of heaven …”

~ MALACHI 3:10, NIV

“Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless.”

~ ECCLESIASTES 5:10, NIV

“In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’”

~ ACTS 20:35, NIV

“Then he said to them, ‘Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.’”

~ LUKE 12:15, NIV

“The generous will themselves be blessed, for they share their food with the poor.”

~ PROVERBS 22:9, NIV

“Now it is required that those who have been given a trust must prove faithful.”

~ 1 CORINTHIANS 4:2, NIV

“Whatever you do, work at it with all your heart, as working for the Lord, not for human masters.”

~ COLOSSIANS 3:23, NIV

ALL THINGS, GREAT LOVE

FMOL Health | St. Dominic is part of one of the leading health systems in the Gulf South. Our connected team is committed to delivering exceptional care, and we do it with great love. We believe that the best possible care is not just a job for us — it’s our calling.