This year I was encouraged to go through a retirement planning program. At first, I felt old. Retirement planning, really? I’m not that old, am I? Then, I felt worried when I realized I need to save that much for retirement! Finally, I was confused. I was confused by the terminology and basics of financial planning. I can only imagine that those who aren’t theologically-trained feel the same way when I start talking about the bible and theology without any explanation. Since most pastors have no concept of personal finances, they tried to make this program incredibly easy. To do so, one page had a number line, scaled 1-5, and asked me to pick my “risk tolerance” - whatever that means. After reading the page over and over again I began to understand. A 1 was a lower risk and lower return, while a 5 was higher risk and higher possible return. The program suggested that if you’re nearing retirement, go for a 1 – low risk with a low, but more certain, return. Yet, if you have a longer time-horizon before retirement, go with the big 5! Sure, it is a higher risk, however there is a potential for a higher reward...