The Self-Sustaining Principle—Article #3: Understanding Your Net Worth

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. In the first two articles in this series, I introduced the Sustainability Principle—the fundamental concept that your retirement will be financially sustainable when your reliable income sources consistently cover your ongoing expenses and obligations throughout your lifetime. We also discussed this from … Read more

The Self-Sustaining Principle—Article #2: Setting Some Guardrails

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. As we discussed in the introductory article, the Self-Sustaining Principle, grounded in Paul’s instruction to “be dependent on no one” (1 Thessalonians 4:12), calls us to wise stewardship. We plan ahead, save diligently, and live responsibly so we won’t burden others in … Read more

What to Do with Your Pension at Retirement

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). For a fortunate few, their retirement income may consist of more than one “guaranteed” income course (I use the term “guaranteed” loosely). Some will have a company pension in addition to Social Security, which together will provide most, if not all, of the … Read more

The Self-Sustaining Principle—Article #1: Planning Wisely to Avoid Burdening Others

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. In the previous article, I introduced a biblical framework for retirement planning based on three principles from John Piper: the Self-Sustaining Principle, the Caregiving Principle, and the Ministry Principle. Together, these three principles provide a simple but theologically well-grounded approach to retirement … Read more

Surviving Spouses’ Options for Inherited IRAs

This article is part of the Biblically Informed Framework for Retirement Stewardship (BIFRS). It was originally published in November 2024 and updated in May 2026. Regular readers know that I think a big part of retirement stewardship is having plans and documentation in place so that things go as well as we have hoped and … Read more

Medicare Commercials: The Hilarious But Confusing Comeback Tour You Didn’t Ask For

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. Originally published on November 15, 2023, and updated April 2026. Martha’s still out there When I wrote this article in 2023, I thought Martha was the peak of Medicare Advantage commercial absurdity. I was wrong. She’s back for 2026, along with Karen … Read more

How Interest Rates Are Impacting Retirees

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. It was originally published on September 20, 2023, and updated in April 2026. When I wrote this article in 2023 and interesting thing was happening: interest rates were rising for the first time since the pandemic. They were already low, and had … Read more

Does Retirement Cost Less As We Age?

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS) series. It was originally published in May of 2023, but was updated in April 2026. When I first wrote about this topic in 2023, I had been retired for about five years. Now, with eight years of actual retirement experience behind me, I … Read more