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Think of someone who models generosity and ask them to teach you. But don’t stop there. Model generosity. – Alex Cook

God’s perspective – the best view for your retirement

Nov 1, 2021 | PERSONAL MONEY, Retirement | 0 comments

By Bruce Bruinsma

A “Retirement Reformation” has begun as Christians around the world embrace a new view — God’s perspective — for life after sixty (a.k.a. Q4, the 4th quarter, Life 3, purposeful retirement). Hebrews 10:23-25 is a key text for this growing movement.

“Let us hold unswervingly to the hope we profess, for he who promised is faithful. And let us consider how we may spur one another on toward love and good deeds, not giving up meeting together, as some are in the habit of doing, but encouraging one another — and all the more as you see the Day approaching.”

Changing the way Christ-followers view the last thirty years of life has the potential to inject the world with new energy through kingdom-minded workers who contribute significantly.

The world has created a stereotype in our minds and we have few models of what a Christian life might look and feel like during these important years. Having a new outlook on aging requires an attitude adjustment, especially with life expectancies increasing.

As Christians, we believe that what happens in the next life will be eternally joyous. At the same time, we act as if the time leading up to the joyful transition contains only extended periods of illness, loneliness, and frustration — little true meaning and even less joy. Nothing could be further from the truth of God’s desire for us.

This is not a time of stopping although it often includes a time of pausing. It’s not a time of transitioning out, but a time of transitioning to. It’s not a time of leaving but a time of going. It’s not a time of depleting, but a time of growing, and it’s not a time of separation, but a time of inclusion. See how our view must change?

All transitions in our lives have components of stopping, moving on, leaving, and change. Change is a reality.

Carrying out God’s plan for your life to the very end, being faithful through the duration of your lifetime, demands change at every stage. There is a greater purpose for your life than what the worldly narrative suggests!

Five elements come together to shape the mindset of the Retirement Reformation movement. Each element interacts with the others. As they come together, a “new you” emerges.

1. Cognitive: During those years, our cognitive powers will deteriorate.

2. Physical: During those years, our physical capacities will diminish.

Unfortunately, this is where our cultural description of seniors pauses, or often it just stops. Dreams die. Life is viewed as “less than” life, increasingly irrelevant, and progressively more bothersome. In our churches, the unspoken admonition to seniors is twofold: Don’t be grumpy, and for sure, do not stop giving!

But here’s the good news. The next two elements offset the first two somewhat dispiriting ones.

3. Spiritual: During those years, our walk with Jesus can grow exponentially, and our spiritual maturity can reach amazing new heights if we will change our thinking. It won’t if we turn away.

4. Emotional: During those years, our growth in emotional maturity, empathy, and ability to deal with all kinds of difficult situations can expand in concert with our spiritual growth.

That’s good news, and possible if we listen, absorb, and apply life’s lessons learned and live in light of what the Bible teaches. God will make His purpose for our lives clear, but listening is critical. So, what is the function of money on this journey? It’s a vital part.

5. Financial: During this period, good stewardship provides a stable platform for the other issues of life to play out. Money serves as a resource for ministry. With clear communication between spouses, opportunities to make a difference for God’s kingdom accelerate.

A Retirement Reformation is coming. Finding new ways to understand the implications of longer life expectancies is a mandate for our times. Furthermore, discerning how these five elements interact in each of our lives is the first step to mapping a purposeful plan, which can expand the resources — human and financial — available for building God’s kingdom for His glory.

This is the heart of the Retirement Reformation: living through Christ and representing Him to the world in all we do and say, to the very end. We can be faithful for a lifetime. We can change the world together. Do you hear His call?

This article was first published by ChristianSuper.


Author Bio: Bruce Bruinsma has helped faith-based ministries, their employees and staff, with saving strategies and Kingdom building activities for over thirty years. He is the Founder and CEO of Envoy Financial, a Colorado Springs-based ministry providing specialized retirement plans for ministries across the United States of America.


What is God’s plan for your retirement?

What is God’s plan for your retirement?

God has a plan and purpose for all of us in every season of life, and there is something very special about the latter years, especially for those who approach it as a time of purposeful retirement.

How do you inspire generosity at home?

How do you inspire generosity at home?

The legacy of a generous family doesn’t just happen. In Chris’ case, he mapped a plan and worked it out. And like Abraham, it will bless generations he will never see.



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