cjcagle
An increasing number of people in their 50s, 60s, and 70s are receiving inheritances as a result of the largest generational transfer of wealth in American history—an estimated $84 trillion in assets changing hands over the coming decades. Inheritances can come in many forms: possessions, real estate, financial assets in taxable and tax-deferred accounts, a … Read more
This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in June 2022 and updated in March 2026. I recently read an interesting study on retirement from A.G. Edwards and AgeWave. It was published in 2022 but remains highly relevant. The study covered a lot of ground and was … Read more
I recently re-read Tim Challies’ article titled ”Rule #5: Ponder the Brevity of Life (8 Rules for Growing in Godliness), in which he wrote the following: Aware of death’s inevitability, we must discipline ourselves to ponder just how short our lives will be. Though our hearts are set on immortality, we are heading toward certain … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published in October 2022 and updated in December 2025. If you read much about retirement finance, you’ll see a lot of hyperbolic rhetoric about “Required Minimum Distributions,” or “RMDs.” You’d think RMDs are going to sneak up on you and … Read more
The mid-term elections are nearing, and the next presidential election is only two years away. There’s already a significant uptick in the super-charged rhetoric from both sides of the increasingly polarized political spectrum. I’ve never directly written about politics or the culture wars; I’ve preferred to instead think about how they impact economics and personal … Read more
This article is part of the RFLE series. It was initially published on September 7, 2022, and updated in March of 2026. When I initially wrote this article in September 2022, we were in the midst of what appeared to be an economic crisis. Inflation was running at 8-9%, the Fed was aggressively raising interest … Read more
I have friends who are thinking about retirement. Each has their reasons, but I imagine they may be wondering, “is this a good time to retire?”. Some might think, ”anytime is a good time to retire (if I can)!” Others may be unsure. In reality, it’s not a question that can be easily answered—certainly not … Read more
Most of my posts focus almost exclusively on retirement stewardship and planning issues but with a holistic approach (time, talents, treasure, and testimony). I have also written a two-part series about the stewardship of paper and digital assets. Part one addressed device, password, and file management, and how to keep all these things safe and … Read more
Off the bat, I want to make clear I’m talking about the word ‘guru’ here, not the cartoon character ”Gru,” villain and master of the Minions. However, one might say that Gru is a guru to the Minions. (What can I say, I have grandchildren.) On more than one occasion, a friend or acquaintance has … Read more
