Is Your Church Financially Healthy? | Sheldon Andrus x Janelle Montgomery

Most financial problems in churches don't happen overnight. They develop quietly through unclear systems, reactive decisions, and a lack of financial structure.In this episode of Financially Healthy Churches, Sheldon sits down with Janelle Montgomery, CPA, to unpack some of the most common financial red flags they see in churches across the country.From operating off a bank balance instead of a budget to making financial decisions without data, this conversation provides practical insight for pastors, executive pastors, board members, and church leaders who want to steward resources well and build a financially healthy ministry.In This Episode:Why your bank balance is not your budgetThe importance of cash reserves and financial policiesHow faith and financial data work togetherWhen it's time to hire staff and when it's notWhy every church needs financial accountabilityThe role healthy systems play in supporting ministry growthKey Takeaway: "Every dollar needs an assignment."Healthy churches don't just manage money. They steward resources with purpose, clarity, and intentionality.If you're serious about building a financially healthy church, this conversation is a great place to start.WANT TO GO DEEPER?If your church is growing and you're ready for more strategic financial leadership, our Financial Services team helps churches create the structure, systems, and financial clarity needed to support long-term ministry impact.Learn more about our Financial Services: https://finance.andrusadvisory.com/Download "The 10 Hidden Financial Red Flags in Church Finances": https://andrusadvisory.com/financial-redflags--FOLLOW SHELDON ON IG: https://www.instagram.com/sjandrusLEARN MORE ABOUT ANDRUS ADVISORY: https://andrusadvisory.com/LEARN MORE AND FOLLOW JANELLE: https://www.instagram.com/coachjanellecpa