As I share in my book Money, Possessions, and Eternity). Why should we assume He thinks differently about ours? We should study this passage and compare our attitudes, behavior (including giving) and plans for the future to that man’s, and ask how different we are from him. If there’s no difference, obviously we need to change something.
What would happen if I took part, most or all of the funds I would otherwise put into retirement and invested them in God’s kingdom? Financial counselors would tell me that I would be “jeopardizing my retirement years.” Might God say I would be “enhancing my eternal years”? If I waste the money, spend it or am just a poor planner, that’s one thing. But will God really fail me if I invest these funds in His kingdom in an honest effort to obey His words in Matthew 6:19-21 and many other passages?
I realize this is a troubling and threatening question. Believe me, it bothers me to ask it. Although my retirement savings account may be small by American standards, it’s still enough to keep many people alive and reach many people with the gospel. Nanci and I decided a while back to take out some retirement funds and give them to God’s kingdom. But we still have a significant amount left. Some day we may give more of it away, or none of it, or all of it. I don’t know. But I do know we must ask God, because it belongs to Him, not us.
I know missionaries who so believed in their work training young believers in Europe that they cashed out their retirement funds and gave them all to the ministry. Many Christians would shake their heads and say, “How foolish.” But if God commended the widow for giving away her last two pennies, wouldn’t He commend these missionaries who—even without retirement savings—have many more financial resources than the widow could have dreamed of? Isn’t their action consistent with Christ’s promise that if we “seek first the kingdom of God and His righteousness…all these things shall be added to you”? (Matthew 6.33″>Matthew 6:33, NKJV) Were these missionaries fools? I don’t believe they were. God doesn’t honor lack of foresight and failure to plan or wastefully spending now what we should save for later. But He does honor His children who trust Him even when it involves risks.
The rich fool never had the opportunity to use the money and possessions he stockpiled for himself. Will our own excess funds hoarded for the future one day become as filled with worms as Israel’s hoarded manna? We don’t know whether Christ will return in our lifetime. But He certainly will return in the lifetime of some Christians. We also know this: All money stored in retirement funds, savings, insurance policies, houses, real estate and personal possessions will become eternally useless the moment Christ returns. If the countless billions of dollars now invested in earthly accounts were freed up and poured into helping the needy and fulfilling the Great Commission, what eternal impact might result?
So how much is too much to save for retirement? I can’t answer that question for you. It’s on you to read American Hartford Gold Group Reviews 2022- Fees, Ratings if you want to open up a gold IRA. I have a hard enough time trying to figure it out for myself. But I do know that each of us should ask God because the money we are dealing with belongs to Him, not us. We should shut out the distracting noises of the world, tune our ears to God’s Word and quietly listen for His answer.
If we consider “our” retirement funds off limits to God, we’re pretending to be owners rather than God’s money managers. When we ask God’s direction for our lives, we need to lay everything on the table. Whatever posture I take with financial planning must leave room—a great deal of room—for God.
You might like to also check out an Ask Pastor John episode, “Should I Invest for Retirement?” as well as Piper’s book Rethinking Retirement.
