If you’re young, the most critical retirement risk you face right now is that you may be hoping to retire someday, but you haven’t given much thought to retirement planning. Or maybe you’re counting on Social Security and Medicare for your financial security in retirement; after all, you’re paying taxes, right? In fact, not saving … Read more
I recently had the opportunity to do a seminar on a Christian’s retirement at a church that’s part of our denomination. It’s a large church with a sizeable number of older folks. The seminar wasn’t only about the financial aspects (it was one of three sessions), but a recent study that I used to frame … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was originally published June 21, 2023 | Updated December 2025 The 2025 Social Security Fund Trustees’ Report was released in June 2025, and here’s the latest on Trust Fund solvency: The Old-Age and Survivors Insurance (OASI) Trust Fund, which pays retirement and … Read more
As retirees, we rarely discuss time unless it’s to inquire about the current hour. When was the last time you were at a dinner party and someone asked you, ”Hey, <insert your name here>, how much time do you think you have left?” Polite people don’t ask such things. However, as we get older, the … Read more
There are two prevalent assumptions about the cost of living in retirement. One is that most retirees can live on 70% to 90% of their pre-retirement income. Another is that that percentage will decrease (net of inflation) as we grow older. Both offer some comfort when we look at the cost of a long retirement. … Read more
I recently assisted the wife of a good friend in unwinding one aspect of a set of problems they had due to a phishing attack. She was pretty distraught over what had happened, and rightfully so—it’s nasty stuff. Thankfully, they were able to remedy the situation. And I was grateful to be of help. The … Read more
Did the title of this article (or the image above) surprise you? Perhaps you think I may have rejoined the workforce in a full or part-time paid position? Well, that’s not the case, and I’ll explain later in this article. But before I go there, you may be surprised to know that, according to a … Read more
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
The last three articles discussed why retirees might want to own bonds and possibly individual bonds instead of investing in a bond fund. Bonds come from many sources: governments, government agencies, blue chip corporations, and risky smaller companies (junk bonds). Municipalities also issue bonds (they’re called “munis”). Something is common to them all: the more … Read more
