About | Wise and Faithful

There is no shortage of Christian personal finance content on the internet. Most of it is American, vaguely biblical, and built for someone whose financial reality looks nothing like yours.

This site exists because I got tired of that.

Why Wise and Faithful Exists

I am an ordained pastor in Ontario. I have been doing this long enough to know that financial pain is one of the most common and least-talked-about struggles in the lives of the men I serve — not because they are irresponsible or don't care, but because no one ever sat down with them and talked honestly about money and Scripture at the same time.

The shame is the worst part. Not the debt itself. The silence around it.

I watched men carry that weight alone, and I knew I could only reach so many of them one-on-one. So I built this.

But this site is also personal. I am a pastor with a toddler, a mortgage, a wife in healthcare whose income changes year to year, and a genuine conviction that faithful stewardship matters. I am not writing from a comfortable distance. I am writing from inside the same pressures you are living with.

The Name

Wise and Faithful is drawn from two verses. The first is Proverbs 9:10: "The fear of the Lord is the beginning of wisdom." The second is Matthew 25:21: "Well done, good and faithful servant." Those are the two things this site exists to help you pursue - not as a formula, but as an orientation. A life ordered by reverence for God, and marked by faithfulness with what he has put in your hands.

A Little of My Story

My wife is a midwife. I am a pastor. My income is steady. Hers changes year to year - with maternity leave years in the mix - and that is the kind of household that forces you to actually plan or drown. We have been navigating that reality together since we got married.

Before we bought our home, we spent three years working as building superintendents - twenty hours a week, on top of our full-time jobs, so we could live rent-free and save what everyone else was spending on housing. We had our first child during that season. It was not glamorous. It was a clear plan, held with open hands.

We bought our home with my best friend and his wife. Now we are raising our families side by side on acreage outside the city. There are chickens. It added to my commute. I would do it again without hesitating.

We maximised the FHSA before most Canadians had heard of it. We attacked her student debt the week she graduated because we had already been living on one income for years and the discipline was already built. We tithe on gross income. We invest through Wealthsimple. We budget with Monarch Money. We have made real financial mistakes and real financial progress, and I write about both honestly.

None of this makes me a financial expert. It makes me someone who has actually done the work - inside the Canadian system, on Canadian incomes, with Canadian tax rules - and wants to help you do it too.

Who This Site Is For

This is for the Canadian Christian man who takes his faith seriously and does not have his finances figured out.

You are not stupid. You are not lazy. You have just never had someone talk to you honestly about money without either ignoring Scripture or weaponising it.

You might be carrying debt you have never told anyone the full number on. You might be anxious about the future and dressing it up as a faith question. You might be consuming hours of financial content every week and still doing nothing because it all points in different directions. I see you brother.

There is a better way forward.

What You Won't Find Here

No prosperity gospel. The idea that God rewards faithful people with financial comfort is a lie, and a cruel one, because it turns suffering into a sign of spiritual failure. That is not the Bible.

No vague encouragements to "just trust God" without showing you what that actually looks like on a Tuesday when the credit card statement arrives.

No American content dressed up with a maple leaf. TFSA limits, CRA rules, RRSP strategy, Canadian mortgage realities - this site is built for your actual financial context.

A Word on the Prosperity Gospel

I want to name this directly because it is everywhere and it does real damage.

The prosperity gospel tells you that wealth is a sign of God's favour and financial struggle is a sign of weak faith. It is not a minor theological error. It is a different gospel. It turns stewardship into a transaction and God into a vending machine.

The Bible's vision of money is far more honest and far more freeing than that. God created us to work, grow, and steward well. Faithful stewardship is not passive. It requires effort, wisdom, and action - and then trust for what you cannot control.

That is what this site is built on.

About Dan

I am a Christ-following, Bible-believing pastor, ordained and serving at a church in Ontario. I went to school for financial services — mutual funds licence, life insurance licence — but my interest in personal finance goes well beyond the credential. It has been built through books, real conversations, real mistakes, and fifteen years of watching men I care about struggle silently with money while sitting in the same pews on Sunday mornings.

I built the Tithe Calculator, the Canadian Tax Calculator, and the Rent vs Buy Calculator because the tools I wanted for myself and the men in my congregation didn't exist — at least not ones that were Canadian, free, and built without an agenda.

My convictions: I tithe on gross. I think consumer debt is a financial emergency. I believe boring index investing beats nearly everything else for ordinary households. I hold all of this personally and graciously — I am not here to legislate your conscience. I am here to help you think clearly about money, from the inside of a Christian worldview.

I am not a licensed financial advisor. Nothing on this site is personal financial advice. Always consult a licensed professional for your specific situation. But I am a pastor who has read widely, lived it, and genuinely wants to help you steward well what God has put in your hands. That is what Wise and Faithful is.