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Redeeming Stewardship Failures

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Financial crises have a way of revealing the weaknesses, and sometimes failures, of our stewardship practices. As renowned investor Warren Buffet humorously once said, “Only when the tide goes out do you discover who has been swimming naked.” The 2008-2009 recession showed American’s overdependence on debt, especially real estate mortgages. Many were house rich and … Read more

The ‘Stewardship of Life’ (Part Four)—Long-Term Care Insurance

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This article is the fourth and final one in a series about long-term care (LTC). In the last article, I alluded to long-term care insurance (LTCI) as one of the ways to fund long-term care. In this article, we’ll look at LTCI in more detail—what it covers, what it costs, and whether you should buy … Read more

The ‘Stewardship of Life’ (Part Three)—Paying for Long-Term Care

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The potential need for an extended time in long-term care (LTC) is a crucial retirement stewardship concern because of its significant financial implications. We have looked at the types of care, how Medicare and Medicaid, and some other programs fit, and in this third article in a 4-part series, we will look at LTC costs … Read more

The ‘Stewardship of Life’ (Part Two)—Medicare and Medicaid

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This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. It was originally published in May of 2020 and updated in May of 2026. This is the second article in a five-part series about long-term care. In Part One, we examined the various types of care—in-home, assisted living, memory care, and skilled … Read more

The ‘Stewardship of Life’ (Part One)—Long-Term Care

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This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was originally published in May of 2020 (in the midst of the COVID pandemic), but was updated in May of 2026. This article is the first in a series of five about long-term care (LTC). In this article, we will look at … Read more

My View From the Cheap Seats

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We will learn a lot from this pandemic. But perhaps its greatest lesson—one that history teaches us over and over again—is that we can neither predict the future nor control it. At best, the only thing we can do is to anticipate adverse events and plan for them accordingly. Now that the “coronavirus recession” is … Read more

It Can’t Happen Again (But It Did)

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For many of us who remember the 2008 market crash and ensuing recession all too well, this time feels remarkably similar. In addition to the really-scary-virus running around, we also have business shutdowns, massive cash liquidity infusions into the economy by the federal government, and rising unemployment. As I write this, there is a two trillion … Read more