cjcagle
I first heard Dave Ramsey use the phrase “retire with dignity.” You may know Dave for the “baby steps” he teaches to help people get out of debt so they can save and give. He uses the phrase often to motivate students on their journey toward financial peace. The idea behind the phrase is that … Read more
We discussed paying off the mortgage and home equity in the last article and how our house decisions are both financial and emotional, and very personal. There’s also a spiritual component. We want to seek God’s guidance for any major home or home-financing decisions to ensure that we wisely steward the gifts he has given … Read more
Real estate and mortgages are very much in the news right now. The market is “hot,” and long-term interest rates remain at historic lows. Therefore, lots of people are thinking about selling—perhaps to upgrade or downsize. Others want to refinance to reduce their payments or to get access to some of their equity for improvements, … Read more
As I mentioned in my last article about spending in retirement, this one is a chapter from my new book, which I plan to self-publish very soon. The book, which will be titled “Redeeming Retirement: A Practical Guide to Catch Up,” is targeted at the large number of middle-aged and older households who realize (or … Read more
I try not to “preach” about spending in general or spending in retirement in particular. It’s not my place to tell anyone how much to spend or what to their money on. If you’re a responsible person, you certainly don’t need me to tell you that your essential living expenses and caring for your family … Read more
This article is the second about the incoming Biden administration and its plans and proposals that could be most impactful to those planning for or already in retirement. I wrote these articles because part of wise retirement stewardship involves understanding the changing “times and seasons.” As Dan. 2:21 says, He changes times and seasons; he … Read more
As you know, I don’t “get political” on this blog. That doesn’t mean I don’t care about politics; I do. I focus on other things here, but when the political winds change as dramatically as they have, it’s important to understand (and plan for) possible changes in the tax code and other policies and laws … Read more
Our pastors have recently been preaching expositorily through the Book of Ecclesiastes. In a message on Ecc. 5:8-20, one pastor made this statement: “Wealth is deceptive.” Notice he didn’t say wealth is good or bad; he said, “deceptive.” That suggests that wealth is morally neutral, but it may promise one thing and deliver another depending … Read more
I decided to interrupt my series on “the Bucket Strategy” to look at something that concerns me: potentially misleading Medicare ads. Every time I see them on TV, I complain to my wife, so I thought I’d get it “off my chest” by writing an article about them. I have to confess that this kind … Read more
