The Sustainability 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 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

Are Christians Saving Too Little For Retirement?

It’s common for Christians to receive advice cautioning them about saving too much for retirement. Such advice is typically well-meaning and based on legitimate concerns founded on biblical teachings on fear, greed, contentment, and generosity. However, as with many aspects of the Christian life, our underlying heart motivations are more important than how much we … Read more

Opportunity Costs and Retirement Decisions

Regular readers know that I sometimes reflect on an interaction I’ve had with an individual or couple in the context of financial counseling/coaching and the broader implications of the subject or issue(s) being discussed to retirement stewardship in general. I recently talked with an older widow in our church about her financial situation. Although she … Read more

Invest and Retire Like Dave?

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). I recently discussed asset allocation and diversification with some friends, a couple in their 50s. In that conversation, they asked me what I thought about Dave Ramsey’s investing recommendations. (They were concerned that they may invest too conservatively for their age and goals.) … Read more

What Condition is Your (Retirement Financial) Condition In?

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in August of 2023 but was updated in 2026. I recently had the opportunity to lead a seminar on a Christian’s retirement at a church in our denomination. It’s a large church with a sizeable number of older folks. … Read more

Back to Basics

Many books and articles have been written about Christians and money, and some about retirement. This blog is about Christians and retirement, and I often write about money and stewardship. There’s much to say about these topics, but the Bible tells us what is most essential for us to know—not every practical detail about personal … Read more

My New Book “Redeeming Retirement: A Practical Guide to Catch Up” Has Been Released!

I announced earlier that I would soon publish my next book, Redeeming Retirement: A Practical Guide to Catch Up. I’m excited to announce that it’s been released and is now available on Amazon in both paperback and Kindle editions! In this article, I want to tell you more about it and offer some giveaways to celebrate … Read more