If You’re Close to (or in) Retirement You Need to Understand “Sequence of Returns Risk”

This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on July 9, 2017, and updated in March 2026. As I wrote years ago, wise saving is an essential part of biblical stewardship (Proverbs 13:11; 21:20). We save for needs we’re aware of in the near term—car repairs, insurance … Read more

Biblical Traits of a Successful Investor

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in June 2017 and updated in February 2026. The subtitle of this blog is, “save diligently, invest wisely, give generously, live abundantly.” I included investing in the mix because it is a critical component of retirement stewardship. It is … Read more

Relocating in Retirement: Should You Stay or Should You Go?

Perhaps you remember a 1982 song from the punk/rock band The Clash titled, “Should I Stay or Should I Go?” Admittedly, other than the title, it actually has nothing to do with the subject of this article, which is the important decision that many retirees make about whether to “retire in place” and stay where they … Read more

Why You Should Consider Delaying Collecting Social Security Benefits

This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on May 6, 2017, and updated in December 2025. I know quite a few people who have taken an early “traditional” retirement. By that I mean they were between the ages of 62 and their Full Retirement Age (FRA). … Read more

The Most Important Thing to do in Your 60s and Beyond to Retire With Dignity

This article is part of the Biblically-Informed Framework for Retirement Stewardship. It was initially published in April 2017 but was updated in January 2026. This article is the fourth and final one in a series about the most important thing you can do in different stages of life to be able to “retire with dignity.” … Read more

The Most Important Thing to do in Your 40s and 50s to Retire With Dignity

Originally published March 2017. Updated January 2026 with Biblical Framework connections and current statistics. This article, the third in a series, focuses on individuals in their 40s and 50s. If you’re younger than that, you may want to review the first two installments: what to do if you’re in your 20s and 30s or your … Read more

The Most Important Thing to do in Your 30s and 40s to Retire With Dignity

This article is part of the Biblically-Informed Framework for Retirement Stewardship. It was initially published in March 2017 but was updated in January 2026. This article is the second in a four-part series on the most important steps to take at different stages of life to retire with dignity. This time, I’m focusing on those … Read more

The Most Important Thing to do in Your 20s and 30s to Retire With Dignity

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIRFS). It was initially published in March 2017 but was updated in January 2026. This article is the first in a four-part series focused on the most important thing you can do during different stages of life to be able to retire with dignity. … Read more