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
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
Some months ago, I received an email from a reader who was considering a particular mutual fund investment and had this question: I was looking at the holdings of a particular mutual fund and noticed a few gaming (i.e., casino games/gambling) companies in the holdings. What are your thoughts on that as believers? It is … Read more
If you believe, as I do, that we’re likely in a period of “epochal change” (which I defined as the next few decades not being like they were for the last few), we’re left with the question I posed at the conclusion of my previous article: What to do? The most important thing Before I … Read more
I recently came across the phrase “epochal change.” It was used to describe the domestic and global economic changes that I discussed in a recent article titled “A Challenging Time for Retirement Investors.” The basic idea is that we have reached a historical inflection point due to dramatic economic and political changes. Of course, we … Read more
Like millions of others, I watched the Super Bowl this year, which some dubbed the “Crypto Bowl.” The reason? A bunch of crypto exchanges (places online where you can buy and sell cryptocurrency) aired ads during the game at the cost of ~$7 million (or about 167 bitcoins) per 30-second spot. (One of my favorites … Read more
To say that we live in tumultuous times would be an understatement. We’re experiencing turmoil and upheaval in multiple areas: political, financial, cultural, social, and even in the church. And there’s war in Europe on the largest scale since WWII. None of this should be a big surprise to us—God’s Word tells us what to … Read more
(Note: We all have our eyes, hearts, and prayers directed toward what is going on in Ukraine. But with everything happening in the world—globally and domestically—I think part of good retirement stewardship is acquiring understanding so that we can make wise decisions about how to manage God’s money during difficult times (Prov. 1:5). If you … Read more
This article is the second of two about retirement account transfers and rollovers. First, we focused on transfers, which I defined as moving assets between two of the same type of retirement account, e.g., from a Traditional IRA with one provider to a Traditional IRA at another. In this article, we’ll look at rollovers, which … Read more
