This article is part of the Biblically Informed Framework for Retirement Stewardship (BIFRS) series. It was originally written in November of 2022 and updated in May of 2026. My wife and I recently assisted a widow in our church with some legal and financial issues after her husband’s passing. They had their affairs in order—a … Read more
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
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
In the last article, we looked at what I believe to be the greatest risk in retirement: retiring without a clear sense of calling and purpose. But I also mentioned some other risks—the financial ones. The Bible encourages us to take wise precautions as part of good stewardship to protect ourselves from the adverse effects … Read more
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
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
This article is part of the Retirement Financial Life Equation (RFLE) Series. It was initially published on July 26, 2023, and updated in March 2026. In the last article, we examined the first of two main types of systematic withdrawal strategies for sustainable retirement income: fixed withdrawals. In this article, we look at variable strategies. … Read more
This article is part of the Retirement Financial Life Equation (RFLE) series. It was initially published in July 2023 and updated in December 2025. In a recent article, I discussed retirement spending and whether our costs go down as we age. In this article and the next, we’ll look at the other side of the … Read more
This article is part of the Biblically-Informed Retirement Framework (BIFRS) series. It was originally published June 21, 2023 and 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 survivors … Read more
