Retirement, from a Christian perspective, is not an exit from purpose but a shift into a new season of service. Ray, E.Z., Mark, and Oscar stress that retirement should be about stewarding time, talents, treasure, and testimony. Christians never take a vacation from their calling, and life continues to hold meaning in every stage. Many suffer after leaving their career because they’ve tied their identity to a profession. Still, believers are called to stay disciplined—remaining in the Word, sharing the gospel, and praying for wisdom and energy. Examples abound of retired believers who dedicate their lives to outreach, discipleship, and evangelism, proving that as long as one is alive, God is not finished with their work.

For younger believers, preparing financially for retirement is wise stewardship. Planning ahead isn’t about accumulating wealth but about equipping oneself to serve God and others without financial obstacles. Saving early and consistently allows Christians to use their later years to bless others through leadership, generosity, and active ministry. The guys note that tools such as 401(k) plans, employer matches, and Roth IRAs make it easy to start. Developing the discipline to save regularly is like strengthening a muscle—over time, it becomes second nature. Debt, especially high-interest debt, should be avoided whenever possible, and paying it off quickly frees believers to give and serve without financial bondage.

Ultimately, retirement should be approached with intentionality and purpose. The call is to earn as much as possible so one can give as much as possible, to live with open hands, and to invest in eternity. Believers are encouraged to plan their later years with the same focus they apply to their career goals—asking how they will spend their time advancing the Kingdom. This stage of life offers opportunities to serve in ways that might not have been possible before, such as investing in younger generations, mentoring others, and meeting needs within the community and the church.

Time, like money, belongs to God. It can be wasted, spent, or invested, and Christians are called to redeem it for what truly matters. The world is full of people in need—lonely individuals in hospitals, neighbors who have never heard the gospel, and children searching for role models. Believers should stay active in service, surrounded by others who speak truth into their lives. As long as there is breath, there is purpose. Retirement is not the end but a continuation of the race, run with urgency, faithfulness, and an eternal perspective.

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Visit the Living Waters website to learn more and to access helpful resources!
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Check out The Evidence Study Bible and the Basic Training Course.

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Learn more about the hosts of this podcast.
Ray Comfort
Emeal (“E.Z.”) Zwayne
Mark Spence
Oscar Navarro