Reflections and Lessons from 40 Years of Stewardship

As I shared in a previous article, I decided to retire from my full-time paid position a few weeks ago. I will do an article about how my “transition” to retirement is going and what I am up to in a future article. In this post, I want to share the main lessons I have … Read more

College Planning and Your Retirement

The 2018 Graduation season is behind us. There are some announcements on our fridge. We have sent some congratulations cards. I even had the opportunity and privilege to emcee my church’s homeschool graduation ceremony! It was a blast except for the part where I was 15 mins. late since I had put the wrong start … Read more

Investing for Retirement—Part One: Introduction

This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on May 9, 2018 and updated in January, 2026. Your “future wealth” (FW) becomes “current wealth” (CW) when you reach retirement. In the Retirement Financial Life Equation (RFLE), current wealth represents your starting point—the accumulated assets you bring into … Read more

Finding Balance in Retirement Stewardship

In a recent chat with a younger friend at church, he expressed a desire to find the right balance in his retirement stewardship. He didn’t use that phrase specifically, but that’s how I understood him. He was talking about his financial resources in general, but planning and saving for retirement is part of that equation. … Read more

5 Reasons You Shouldn’t Save For Retirement

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). I can almost hear the gasps. “What is going on here!? He’s always harping on the need to save something for retirement; now he’s going to tell us we shouldn’t?” The fact is that most people probably aren’t saving as much as they … Read more

7 Hard Truths About Retirement

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in December 2017 and updated in January 2026. I was once reading an article in Forbes magazine titled, “Can You Handle the Truth About Retirement?” It was enlightening but frankly also a little depressing. The author lists things like, … Read more

Financial Advisors—Part 2: How They’re Paid

This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published on October 18, 2017, and updated in January 2026. The question “Are advisory fees worth it?” doesn’t have a simple answer. It depends on what you’re getting, when you’re getting it, and what mistakes the advisor helps you avoid. … Read more

Financial Advisors—Part 1: What They Do

This article is part of the Retirement Financial Life Equation (RELE) series. It was initially published on October 4, 2017, and updated in January 2026. I know what you’re thinking: Oh, fun…another blogger is going to bash my friendly broker or insurance agent. Well, I’m not out to malign anyone, but I do want you … Read more

Can Retirement Stewardship Make you a Rich Fool?

This article is part of the Biblically-Informed Framework for Retirement Stewardship (BIFRS). It was initially published in August 2017 and updated in January 2026. The short answer is no, not if you practice retirement stewardship based on tried and true principles of biblical stewardship. In fact, “stewardship” and “fool” together in the same sentence is … Read more