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ThriveWell Financial Education Center's mission: We specialize in the Middle Market that most financial institutions overlook or ignore,
โ†’ Wealth Strategy: The Legacy Resetโ„ข๏ธ

10/13/2026

๐Ÿ“– ๐—ฆ๐—ง๐—ข๐—ฅ๐—ฌ ๐—ง๐—œ๐— ๐—˜โ€ฆ ๐Ÿ‘€๐Ÿ’ฐ

๐Ÿก ๐—ง๐—ต๐—ฒ ๐—ฃ๐—ถ๐—น๐—น๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—ณ ๐—ฎ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—›๐—ผ๐˜‚๐˜€๐—ฒ ๐—ฆ๐—ฒ๐—ฟ๐—ถ๐—ฒ๐˜€: #๐Ÿฐ ๐—œ๐—ก๐—ฉ๐—˜๐—ฆ๐—ง๐—œ๐—ก๐—š

Meet Sara.

Sara's employer just announced an ๐—˜๐—”๐—ฅ๐—Ÿ๐—ฌ ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง ๐—œ๐—ก๐—–๐—˜๐—ก๐—ง๐—œ๐—ฉ๐—˜ program.

The company wants to reduce long-term expenses by encouraging eligible employees to retire early.

And guess what?

๐—ฆ๐—”๐—ฅ๐—” ๐—ค๐—จ๐—”๐—Ÿ๐—œ๐—™๐—œ๐—˜๐—ฆ! ๐ŸŽ‰

So she decides to take the offer.

As part of her retirement settlement, Sara receives:

๐Ÿ’ฐ A full year's salary in cash, subject to income taxes. Because ONE group of people we don't play with is the ๐—œ.๐—ฅ.๐—ฆ.! ๐Ÿ˜‚

๐Ÿ’ฐ Payment for accrued vacation and sick leave.

๐Ÿ’ฐ A lump-sum distribution of her entire company profit-sharing account.

And just like thatโ€ฆ

๐—ฆ๐—”๐—ฅ๐—” ๐—›๐—”๐—ฆ ๐— ๐—ข๐—ฅ๐—˜ ๐—–๐—”๐—ฆ๐—› ๐—ง๐—›๐—”๐—ก ๐—ฆ๐—›๐—˜ ๐—ž๐—ก๐—ข๐—ช๐—ฆ ๐—ช๐—›๐—”๐—ง ๐—ง๐—ข ๐——๐—ข ๐—ช๐—œ๐—ง๐—›! ๐Ÿ˜ณ๐Ÿ’ต

Sounds like a GREAT problem to have, right?

๐—ช๐—˜๐—Ÿ๐—Ÿโ€ฆ๐—ก๐—ข๐—ง ๐—ฆ๐—ข ๐—™๐—”๐—ฆ๐—ง. ๐Ÿ‘€

Because here's what Sara realizes.

She's no longer receiving a paycheck.

She can no longer count on monthly retirement income from her former company's profit-sharing plan.

And while she has a substantial amount of money sitting in front of herโ€ฆ

๐—ฆ๐—›๐—˜ ๐——๐—ข๐—˜๐—ฆ๐—ก'๐—ง ๐—›๐—”๐—ฉ๐—˜ ๐—” ๐—ฃ๐—Ÿ๐—”๐—ก ๐—™๐—ข๐—ฅ ๐—ฅ๐—˜๐—ฃ๐—Ÿ๐—”๐—–๐—œ๐—ก๐—š ๐—›๐—˜๐—ฅ ๐—œ๐—ก๐—–๐—ข๐— ๐—˜.

Suddenly, early retirement doesn't feel quite as exciting.

Because there's a BIG difference between:

๐—›๐—”๐—ฉ๐—œ๐—ก๐—š ๐—” ๐—Ÿ๐—ข๐—ง ๐—ข๐—™ ๐— ๐—ข๐—ก๐—˜๐—ฌ

and

๐—ž๐—ก๐—ข๐—ช๐—œ๐—ก๐—š ๐—›๐—ข๐—ช ๐—ง๐—›๐—”๐—ง ๐— ๐—ข๐—ก๐—˜๐—ฌ ๐—ช๐—œ๐—Ÿ๐—Ÿ ๐—ฆ๐—จ๐—ฃ๐—ฃ๐—ข๐—ฅ๐—ง ๐—ฌ๐—ข๐—จ.

Now Sara has a decision to make.

๐—›๐—ผ๐˜„ ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐˜€๐—ต๐—ฒ ๐˜๐˜‚๐—ฟ๐—ป ๐—ฎ ๐—ผ๐—ป๐—ฒ-๐˜๐—ถ๐—บ๐—ฒ ๐—ฝ๐—ฎ๐˜†๐—ผ๐˜‚๐˜ ๐—ถ๐—ป๐˜๐—ผ ๐—ฎ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜†?

๐Ÿ‘€ ๐—ช๐—ต๐—ฎ๐˜ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—ฌ๐—ข๐—จ ๐—ฑ๐—ผ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฒ๐—ฟ๐—ฒ ๐—ฆ๐—ฎ๐—ฟ๐—ฎ?

Drop your thoughts below. ๐Ÿ‘‡๐Ÿพ

And come back at 1:45 PM because we're going to talk about the decision Sara made.

๐—ฃ๐—”๐—ฅ๐—ง ๐—œ๐—œ ๐—œ๐—ฆ ๐—–๐—ข๐— ๐—œ๐—ก๐—š! ๐Ÿ’š

10/12/2026

๐—ฌ๐—ผ๐˜‚ ๐˜€๐—ฝ๐—ฒ๐—ป๐˜ ๐Ÿฐ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†โ€ฆ ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง ๐—ถ๐˜€ ๐˜„๐—ต๐—ฒ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ป๐—ฒ๐—ฒ๐—ฑ๐˜€ ๐˜๐—ผ ๐˜€๐˜๐—ฎ๐—ฟ๐˜ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฌ๐—ข๐—จ. ๐Ÿ’ฐ๐Ÿ‘€

10/12/2026

๐—ง๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—œ ๐—น๐—ฒ๐—ณ๐˜ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ถ๐˜๐—ต ๐—ผ๐—ป๐—ฒ ๐—•๐—œ๐—š ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป:

๐—›๐—ผ๐˜„ ๐—ฑ๐—ผ ๐—œ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜€๐˜‚๐—ฟ๐—ฒ ๐—บ๐˜† ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—น๐—ฎ๐˜€๐˜๐˜€ ๐—ฎ๐˜€ ๐—น๐—ผ๐—ป๐—ด ๐—ฎ๐˜€ ๐—œ ๐—ฑ๐—ผ? ๐Ÿ‘€

And I told you that question has brought ๐—”๐—ก๐—ก๐—จ๐—œ๐—ง๐—œ๐—˜๐—ฆ into the retirement conversation.

So...what exactly is an annuity?

At its core, an annuity is a contract with an insurance company designed to help address retirement needs, including the need for income.

Think about what happens when you retire.

For decades, the assignment was:

๐—”๐—–๐—–๐—จ๐— ๐—จ๐—Ÿ๐—”๐—ง๐—˜. ๐Ÿ“ˆ

Save.
Invest.
Build assets.
Prepare.

But retirement changes the assignment.

Now you have to figure out how to turn some of what you've accumulated into money you can actually ๐—Ÿ๐—œ๐—ฉ๐—˜ ๐—ข๐—ก.

That's where the conversation about annuities gets interesting.

Depending on the type and terms of the contract, an annuity may provide features designed for retirement, including an income streamโ€”and some are structured to provide income that can continue for life.

In other words:

๐—ฌ๐—ผ๐˜‚ ๐˜€๐—ฝ๐—ฒ๐—ป๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ฏ๐˜‚๐—ถ๐—น๐—ฑ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†.

Now we need to talk about how that money may help ๐—ฃ๐—”๐—ฌ ๐—ฌ๐—ข๐—จ during retirement. ๐Ÿ’ฐ

Does that mean everyone needs an annuity?

๐—ก๐—ข.

There are different types of annuities, different features, costs, limitations, surrender periods, and objectives.

The question isn't:

โ€œAre annuities good or bad?โ€

The better question is:

โ€œWhat am I trying to accomplish with my retirement money, and is an annuity an appropriate tool for THAT job?โ€

Because retirement planning isn't simply about reaching retirement with a pile of money.

๐—œ๐˜'๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ฎ ๐—ฝ๐—น๐—ฎ๐—ป ๐—ณ๐—ผ๐—ฟ ๐˜„๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฎ๐˜ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ป๐—ฒ๐—ฒ๐—ฑ๐˜€ ๐˜๐—ผ ๐——๐—ข. ๐Ÿ’š

๐Ÿ“– ๐—ฆ๐—ง๐—ข๐—ฅ๐—ฌ ๐—ง๐—œ๐— ๐—˜โ€ฆ ๐Ÿ‘€There are more than ๐Ÿณ๐Ÿฏ ๐— ๐—œ๐—Ÿ๐—Ÿ๐—œ๐—ข๐—ก living Americans who were born after World War II, from 1946โ€“1964, known a...
10/12/2026

๐Ÿ“– ๐—ฆ๐—ง๐—ข๐—ฅ๐—ฌ ๐—ง๐—œ๐— ๐—˜โ€ฆ ๐Ÿ‘€

There are more than ๐Ÿณ๐Ÿฏ ๐— ๐—œ๐—Ÿ๐—Ÿ๐—œ๐—ข๐—ก living Americans who were born after World War II, from 1946โ€“1964, known as ๐—•๐—”๐—•๐—ฌ ๐—•๐—ข๐—ข๐— ๐—˜๐—ฅ๐—ฆ. ๐Ÿ˜Š

And every day in the United States, approximately ๐Ÿญ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐—ฝ๐—ฒ๐—ผ๐—ฝ๐—น๐—ฒ celebrate their 65th birthday.

Now hereโ€™s where it gets interesting...

๐—ง๐—ต๐—ฒ ๐—š๐—ข๐—ข๐—— ๐—ก๐—˜๐—ช๐—ฆ:
Americans are living longer than ever. ๐Ÿ™Œ๐Ÿฝ

๐—ง๐—ต๐—ฒ ๐—•๐—”๐—— ๐—ก๐—˜๐—ช๐—ฆ:
Americans are living longer than ever. ๐Ÿ˜ณ๐Ÿ˜‚

Yep. Same answer.

Because while longevity is something to celebrate, it also creates a financial challenge.

The average person retiring today must prepare for a retirement that could last 15โ€“20 years.

For some?

๐Ÿฏ๐Ÿฌ ๐—ฌ๐—˜๐—”๐—ฅ๐—ฆ ๐—ข๐—ฅ ๐— ๐—ข๐—ฅ๐—˜. ๐Ÿ‘€

That means retirees must be prepared to deal with:

๐Ÿ“ˆ The cost of living escalating.

๐Ÿ‘ต๐Ÿฝ People living longer and healthier lives.

๐Ÿ’ฐ Social Security potentially being unable to meet its long-term obligations.

โณ More years in retirement and potentially less federal support, creating greater reliance on personal assets to meet retirement needs.

And here's another challenge:

Many people may not realize how much they actually need to save to maintain their current standard of living throughout retirement.

Market downturns can also significantly affect retirement accounts, and recovering from those losses may take years.

So retirement planning can't simply be:

โ€œI saved some money.โ€

The bigger question becomes:

๐—›๐—ข๐—ช ๐——๐—ข ๐—œ ๐— ๐—”๐—ž๐—˜ ๐—ฆ๐—จ๐—ฅ๐—˜ ๐— ๐—ฌ ๐— ๐—ข๐—ก๐—˜๐—ฌ ๐—Ÿ๐—”๐—ฆ๐—ง๐—ฆ ๐—”๐—ฆ ๐—Ÿ๐—ข๐—ก๐—š ๐—”๐—ฆ ๐—œ ๐——๐—ข? ๐Ÿ‘€

And THAT uncertainty surrounding life ๐—”๐—™๐—ง๐—˜๐—ฅ ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง has thrust another financial tool into the conversation...

๐—”๐—ก๐—ก๐—จ๐—œ๐—ง๐—œ๐—˜๐—ฆ.

But what exactly is an annuity?

What problem is it designed to solve?

And perhaps most importantly...

๐—–๐—ข๐—จ๐—Ÿ๐—— ๐—œ๐—ง ๐— ๐—”๐—ž๐—˜ ๐—ฆ๐—˜๐—ก๐—ฆ๐—˜ ๐—™๐—ข๐—ฅ ๐—ฌ๐—ข๐—จ?

๐Ÿ‘€ Want me to break it down?

Drop ๐—”๐—ก๐—ก๐—จ๐—œ๐—ง๐—ฌ below. ๐Ÿ‘‡๐Ÿฝ

๐Ÿก ๐—ง๐—ต๐—ฒ ๐—ฃ๐—ถ๐—น๐—น๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—ณ ๐—ฎ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—›๐—ผ๐˜‚๐˜€๐—ฒ: #๐Ÿฐ ๐—œ๐—ก๐—ฉ๐—˜๐—ฆ๐—ง๐—œ๐—ก๐—š

โฐ ๐Ÿ’— ๐—ง-๐Ÿฎ๐Ÿฐ ๐—›๐—ข๐—จ๐—ฅ๐—ฆ, ๐—Ÿ๐—”๐——๐—œ๐—˜๐—ฆ! ๐Ÿ’— โฐโ˜•๏ธ Grab your cup and ๐—•๐—ฅ๐—œ๐—ก๐—š ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ค๐—จ๐—˜๐—ฆ๐—ง๐—œ๐—ข๐—ก๐—ฆ because tomorrow we are going to...๐—ฆ๐—œ๐—ฃ. ๐Ÿท๐—ง๐—”๐—Ÿ๐—ž. ๐Ÿ’ฌ๐—Ÿ๐—˜๐—”...
10/09/2026

โฐ ๐Ÿ’— ๐—ง-๐Ÿฎ๐Ÿฐ ๐—›๐—ข๐—จ๐—ฅ๐—ฆ, ๐—Ÿ๐—”๐——๐—œ๐—˜๐—ฆ! ๐Ÿ’— โฐ

โ˜•๏ธ Grab your cup and ๐—•๐—ฅ๐—œ๐—ก๐—š ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ค๐—จ๐—˜๐—ฆ๐—ง๐—œ๐—ข๐—ก๐—ฆ because tomorrow we are going to...

๐—ฆ๐—œ๐—ฃ. ๐Ÿท
๐—ง๐—”๐—Ÿ๐—ž. ๐Ÿ’ฌ
๐—Ÿ๐—˜๐—”๐—ฅ๐—ก. ๐Ÿ“š
๐—”๐—ก๐—— ๐—š๐—ฅ๐—ข๐—ช. ๐Ÿ’ฐ๐ŸŒฑ

Because your financial future deserves more than guesswork. ๐Ÿ’—

And fellas...

๐— ๐—œ๐—ก๐——. ๐—ฌ๐—ข๐—จ๐—ฅ. ๐—•๐—จ๐—ฆ๐—œ๐—ก๐—˜๐—ฆ๐—ฆ. ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

This one is ๐—™๐—ข๐—ฅ ๐—ง๐—›๐—˜ ๐—Ÿ๐—”๐——๐—œ๐—˜๐—ฆ ๐—ข๐—ก๐—Ÿ๐—ฌ. ๐Ÿ’…๐Ÿฝ๐Ÿ’ฐ๐Ÿ’—

Haven't registered yet?

๐—œ๐—ง'๐—ฆ ๐—ก๐—ข๐—ง ๐—ง๐—ข๐—ข ๐—Ÿ๐—”๐—ง๐—˜! ๐Ÿ™Œ๐Ÿฝ

Drop a ๐Ÿท in the comments below, and I'll get you taken care of.

๐—ฆ๐—ฒ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐˜๐—ผ๐—บ๐—ผ๐—ฟ๐—ฟ๐—ผ๐˜„, ๐—น๐—ฎ๐—ฑ๐—ถ๐—ฒ๐˜€! โ˜•๏ธ๐Ÿท๐Ÿ’—๐Ÿ’ฐ

10/09/2026

๐—ฃ๐—ฎ๐˜€๐˜๐—ผ๐—ฟ, ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—œโ€™๐˜ƒ๐—ฒ ๐—ฎ๐˜€๐—ธ๐—ฒ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ฎ๐˜† ๐—ป๐—ผ๐˜ ๐—ด๐—ฒ๐˜ ๐—ฎ๐˜€๐—ธ๐—ฒ๐—ฑ ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ผ๐—ณ๐˜๐—ฒ๐—ป.

Not about the church.

Not about Sunday.

Not about the building fund.

Not about the next ministry initiative.

๐—”๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฌ๐—ข๐—จ.

Weโ€™ve talked about:

โ†’ Where you currently stand.

โ†’ What you have in place for retirement.

โ†’ What you want your next season to look like.

โ†’ Whether there may be a gap between the two.

โ†’ How organized your financial house is.

โ†’ What you want your legacy to accomplish.

Thatโ€™s a lot to think about.

But Pastor, I don't want you to finish this week with a longer list of things to worry about.

๐—œ ๐˜„๐—ฎ๐—ป๐˜ ๐˜†๐—ผ๐˜‚ ๐˜๐—ผ ๐—ณ๐—ถ๐—ป๐—ถ๐˜€๐—ต ๐˜„๐—ถ๐˜๐—ต ๐—ข๐—ก๐—˜ ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฑ๐—ผ.

Maybe you need to find out what you actually have.

Maybe you need to calculate what your retirement income could look like.

Maybe you need to sit down with your spouse.

Maybe you need to review beneficiaries and important documents.

Maybe you need to define what you want your next seasonโ€”or your legacyโ€”to look like.

You don't have to solve everything this weekend.

๐—ฌ๐—ผ๐˜‚ ๐—ท๐˜‚๐˜€๐˜ ๐—ป๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐—ฑ๐—ฒ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฑ๐—ฒ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ฒ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐˜๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป ๐—ป๐—ฒ๐˜…๐˜.

So here's today's question:

๐—ช๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ผ๐—ป๐—ฒ ๐—ป๐—ฒ๐˜…๐˜ ๐˜€๐˜๐—ฒ๐—ฝ?

๐—” โ€” Understand my retirement numbers

๐—• โ€” Look for potential gaps

๐—– โ€” Organize/review my financial information

๐—— โ€” Have a conversation with my spouse/family

๐—˜ โ€” Get clear about my legacy

๐—™ โ€” Iโ€™m not sure where to start

๐Ÿ‘‡๐Ÿพ Drop your letter below.

And if your answer is ๐—™, message me ๐—ฆ๐—ง๐—”๐—ฅ๐—ง.

Sometimes the first step is simply having a conversation that helps you see which question needs answering first.

๐—ฃ๐—ฎ๐˜€๐˜๐—ผ๐—ฟ, ๐˜†๐—ผ๐˜‚โ€™๐˜ƒ๐—ฒ ๐˜€๐—ฝ๐—ฒ๐—ป๐˜ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—น๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ.

๐—ก๐—ผ๐˜„ ๐—ฐ๐—ต๐—ผ๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚โ€™๐—ฟ๐—ฒ ๐˜„๐—ถ๐—น๐—น๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฑ๐—ผ ๐—ณ๐—ผ๐—ฟ ๐—ถ๐˜.

๐—ง๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—œ ๐—ฎ๐˜€๐—ธ๐—ฒ๐—ฑ ๐—ต๐—ผ๐˜„ ๐—ผ๐—ฟ๐—ด๐—ฎ๐—ป๐—ถ๐˜‡๐—ฒ๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ถ๐˜€.Now letโ€™s do something with the answer.Pastor, here's a simpl...
10/07/2026

๐—ง๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—œ ๐—ฎ๐˜€๐—ธ๐—ฒ๐—ฑ ๐—ต๐—ผ๐˜„ ๐—ผ๐—ฟ๐—ด๐—ฎ๐—ป๐—ถ๐˜‡๐—ฒ๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ถ๐˜€.

Now letโ€™s do something with the answer.

Pastor, here's a simple ๐Ÿฑ-๐—ฝ๐—ผ๐—ถ๐—ป๐˜ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ช๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—–๐—ต๐—ฒ๐—ฐ๐—ธ.

Can you confidently say ๐—ฌ๐—˜๐—ฆ to each one?

โ˜‘๏ธ I know what retirement accounts and resources I currently have.

โ˜‘๏ธ I know who is listed as the beneficiary on my important accounts.

โ˜‘๏ธ I know what financial protection I currently have in place.

โ˜‘๏ธ My important financial documents are organized and securely accessible.

โ˜‘๏ธ My spouse or appropriate trusted person knows where to find the information they would need.

Now count your YES answers.

๐—›๐—ผ๐˜„ ๐—ฑ๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ?

๐Ÿฑ โ€” My financial house is organized.

๐Ÿฏโ€“๐Ÿฐ โ€” I have a foundation, but there are things to review.

๐Ÿญโ€“๐Ÿฎ โ€” I have some work to do.

๐Ÿฌ โ€” Today gave me my starting point.

And notice something:

๐—ก๐—ผ๐—ป๐—ฒ ๐—ผ๐—ณ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ฎ๐˜€๐—ธ๐—ฒ๐—ฑ ๐—ต๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜†๐—ผ๐˜‚ ๐—บ๐—ฎ๐—ธ๐—ฒ.

Because financial wellness isn't only about income.

Itโ€™s also about ๐—ฐ๐—น๐—ฎ๐—ฟ๐—ถ๐˜๐˜†, ๐—ผ๐—ฟ๐—ด๐—ฎ๐—ป๐—ถ๐˜‡๐—ฎ๐˜๐—ถ๐—ผ๐—ป, ๐—ฝ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป, ๐—ฎ๐—ป๐—ฑ ๐˜€๐˜๐—ฒ๐˜„๐—ฎ๐—ฟ๐—ฑ๐˜€๐—ต๐—ถ๐—ฝ.

๐Ÿ‘‡๐Ÿพ Drop your numberโ€”๐Ÿฌ through ๐Ÿฑ.

Or message me ๐—ช๐—˜๐—Ÿ๐—Ÿ๐—ก๐—˜๐—ฆ๐—ฆ if your answers revealed an area you want to examine more closely.

๐—ฃ๐—ฎ๐˜€๐˜๐—ผ๐—ฟ, ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ณ๐—ถ๐˜… ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜†๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†. ๐—•๐˜‚๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ต๐—ผ๐—ผ๐˜€๐—ฒ ๐˜๐—ต๐—ฒ ๐—ผ๐—ป๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฎ๐˜ ๐—ป๐—ฒ๐—ฒ๐—ฑ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐˜๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป ๐—ป๐—ฒ๐˜…๐˜.

๐—œ๐˜โ€™๐˜€ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ช๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ช๐—ฒ๐—ฑ๐—ป๐—ฒ๐˜€๐—ฑ๐—ฎ๐˜† ๐Ÿ’ฐAnd Pastor, today I want to challenge the way we think about being โ€œfinancially well....
10/07/2026

๐—œ๐˜โ€™๐˜€ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ช๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ช๐—ฒ๐—ฑ๐—ป๐—ฒ๐˜€๐—ฑ๐—ฎ๐˜† ๐Ÿ’ฐ

And Pastor, today I want to challenge the way we think about being โ€œfinancially well.โ€

Because financial wellness isn't simply:

โ€œI pay my bills.โ€

โ€œI have some savings.โ€

โ€œI contribute to retirement.โ€

โ€œI have insurance somewhere.โ€

Those things matter.

But ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜„๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ฎ๐—น๐˜€๐—ผ ๐—บ๐—ฒ๐—ฎ๐—ป๐˜€ ๐—ธ๐—ป๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐—ต๐—ผ๐˜„ ๐—ฎ๐—น๐—น ๐˜๐—ต๐—ฒ ๐—ฝ๐—ถ๐—ฒ๐—ฐ๐—ฒ๐˜€ ๐˜„๐—ผ๐—ฟ๐—ธ ๐˜๐—ผ๐—ด๐—ฒ๐˜๐—ต๐—ฒ๐—ฟ.

Think about it.

You may have retirement savings, but do you know what they're intended to provide?

You may have protection in place, but is it still appropriate for the people depending on you?

You may have beneficiaries listed, but when did you last review them?

You may have important financial documents, but does your spouse know where to find them?

Thatโ€™s financial wellness, too.

And during Pastor Appreciation Month, I especially want our pastors thinking about this.

Because you spend so much time making sure the ๐—ฐ๐—ต๐˜‚๐—ฟ๐—ฐ๐—ต is prepared.

Budgets.

Buildings.

Programs.

People.

Emergencies.

The future.

But todayโ€™s Financial Wellness Wednesday question is about ๐—ฌ๐—ข๐—จ.

๐—›๐—ผ๐˜„ ๐—ผ๐—ฟ๐—ด๐—ฎ๐—ป๐—ถ๐˜‡๐—ฒ๐—ฑ ๐—ถ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป๐—ฎ๐—น ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ?

๐—” โ€” Very organized. I know what I have and why.

๐—• โ€” Mostly organized, but some things need reviewing.

๐—– โ€” I have the pieces, but they're not connected.

๐—— โ€” I need to get my financial house in order.

๐Ÿ‘‡๐Ÿพ Drop ๐—”, ๐—•, ๐—–, or ๐——.

No judgment.

๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜„๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ฏ๐—ฒ๐—ด๐—ถ๐—ป๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐—ธ๐—ป๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐˜„๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐˜€๐˜๐—ฎ๐—ป๐—ฑ.

10/06/2026

๐—ฃ๐—ฎ๐˜€๐˜๐—ผ๐—ฟ, ๐—ฎ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ด๐—ฎ๐—ฝ ๐—ถ๐˜€ ๐—ณ๐—ฎ๐—ฟ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐˜‚๐˜€๐—ฒ๐—ณ๐˜‚๐—น ๐˜๐—ผ ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ ๐˜„๐—ต๐—ถ๐—น๐—ฒ ๐˜†๐—ผ๐˜‚ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ถ๐—บ๐—ฒ ๐˜๐—ผ ๐—ฒ๐˜…๐—ฎ๐—บ๐—ถ๐—ป๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€

10/06/2026

๐—ง๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด, ๐˜„๐—ฒ ๐˜๐—ฎ๐—น๐—ธ๐—ฒ๐—ฑ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ฒ ๐—š๐—”๐—ฃ.

Now letโ€™s make that practical.

Pastor, grab a piece of paper.

Draw a line down the middle.

On the left, write:

๐—ช๐—›๐—”๐—ง ๐—œ ๐— ๐—”๐—ฌ ๐—›๐—”๐—ฉ๐—˜.

On the right, write:

๐—ช๐—›๐—”๐—ง ๐—œ ๐— ๐—”๐—ฌ ๐—ก๐—˜๐—˜๐——.

Now start filling it in.

On one side, list the retirement income you currently expect from the resources youโ€™ve been building.

On the other, estimate the monthly income your envisioned next season may require.

Then compare the two.

Maybe theyโ€™re close.

Maybe you discover you're in a stronger position than you thought.

Or maybeโ€ฆ

thereโ€™s daylight between those numbers.

๐—ง๐—ต๐—ฎ๐˜ ๐˜€๐—ฝ๐—ฎ๐—ฐ๐—ฒ ๐—ถ๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฑ๐—ฒ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ฒ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐˜๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป.

Because ignoring a potential gap doesnโ€™t close it.

Discovering it gives you an opportunity to ask better questions while you still have time to consider your options.

And Pastor, please hear this:

๐—ฌ๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ฏ๐—ฒ ๐—ฎ๐˜€๐—ต๐—ฎ๐—บ๐—ฒ๐—ฑ ๐—ผ๐—ณ ๐—ฎ ๐—ด๐—ฎ๐—ฝ.

Youโ€™ve spent years serving, leading, giving, and carrying responsibilities most people will never see.

This isnโ€™t about looking backward with regret.

๐—œ๐˜โ€™๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—น๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐˜„๐—ถ๐˜๐—ต ๐—ฐ๐—น๐—ฎ๐—ฟ๐—ถ๐˜๐˜†.

๐Ÿ‘‡๐Ÿพ If youโ€™re going to compare those two numbers, comment ๐—œโ€™๐—Ÿ๐—Ÿ ๐—–๐—›๐—˜๐—–๐—ž ๐—ง๐—›๐—˜ ๐—š๐—”๐—ฃ.

Or message me ๐—š๐—”๐—ฃ if youโ€™d rather start the conversation privately.

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