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How To Retire With Money In The Bank

Stewards think about their future. Do you?

Wise stewards set strategic financial goals to prepare for the future. Many people say they’ll just never retire, but the Bible tells us to save and invest because we don’t know what tomorrow may bring, and who doesn’t want to leave some kind of an inheritance for their loved ones! 

Last year I learned firsthand the heartache of people who’d assumed that they’d saved enough money, and in their 80s now, they bear the daily stress of hoping that they don’t run out of money.

Now you can avoid that. No matter how young or old you are, start saving for retirement now! You don’t know what the future holds, but you are responsible for preparing, and the earlier you start the better. After giving, pay yourself. This develops two lifelong habits: generosity and deferred spending.

Target saving between 10% and 15% – more if you’re close to retiring. A 401(k) plan may not get you to that percentage. So max out – especially if your company will match. Then save elsewhere to reach your goals. Automatic transfers will avoid the temptation to spend those dollars now.

Save in interest-bearing accounts and diversify your investments in things you understand.  This helps reduce risk and brings an increase over time.

As Solomon said in Proverbs 21: “The plans of the diligent lead surely to abundance, but anyone who is hasty comes only to poverty.”

So, make your plan. The months will become years then decades, and your diligent work will pay off.

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