As you’ve most likely heard, there is big news coming out of D.C.: The so-called “Big Beautiful Bill” passed just before the July 4th holiday. This is big news for many reasons (some good and some not-so-good, depending on your fiscal conservatism; i.e., the increasing federal deficit), but I’m going to focus on the positive … Read more
Before I had heard of David McKnight and his books or read his most recent, The Guru Gap, I read a paper by Professor James J. Choi from Yale University titled Popular Personal Financial Advice versus the Professors. I first became familiar with him after reading his bio on the Yale University School of Finance … Read more
I don’t often write about these kinds of topics. But if you are near or in retirement, as I am, you know you are in the final third or quarter of your life. If you trust Jesus’ atoning death and resurrection for your salvation, you already have a ticket to heaven; it just hasn’t been … Read more
A friend’s wife texted me a while back asking about “Paze.” I hadn’t heard of it then, even though, as I’ll explain later, I practically “invented” it many years ago—well, not really, but kinda-sorta (well, you’ll see). It sounded like another digital payment product, so I looked into it. (I used to work in IT … Read more
When most people think about retirement planning, they picture calculators, spreadsheets, and savings goals. But for Christians, retirement is more than a financial target—it’s a new and hopeful life season calling for wisdom, faith, humility, and intentional stewardship. So, what if we asked, “Do I have enough saved?”(This is a legitimate question, by the way.) … Read more
Trump’s tariffs are very much in the news right now. While the downsides of tariffs often get more attention, rightly so due to their broad and frequently unintended consequences, there are potential benefits, at least in theory. That said, lots of questions and uncertainty remain. We have to deal with that as well. What is … Read more
Well, it’s baaaaack…and you know what: stock market volatility. And it came back with a vengeance a few weeks ago, moderating some in recent days. Presidential administration transitions ordinarily create uncertainty and instability, but wars, tariffs, and deportations are stirring the pot a little more than usual. I occasionally get asked how I think a … Read more
The Dictionary of Bible Themes defines worry as “A sense of uneasiness and anxiety about the future. Scripture indicates that such anxiety is ultimately grounded in a lack of trust in God and his purposes.” Perhaps because worry tends to focus on the future, it’s something that retirees, or near-retirees, can quickly fall into. We … Read more
Generally speaking, there are two “camps” (or schools of thought) for investing for and creating an income stream in retirement. The first could be called the “probability-based approach,” and the second the “safety-first approach.” These “camps” share some things in common but are often at odds with each other. The key difference is that the … Read more
