You are likely familiar with the advice about being an early bird. But worms for breakfast—even figuratively—may not motivate you. So, consider this counsel along the same theme: “More good things happen when you are early than when you are late.” That principle applies to many areas of life, especially retirement and financial planning.
The Bible repeatedly encourages us to think ahead and prepare wisely. Proverbs 21:5 says, “The plans of the diligent lead surely to abundance, but everyone who is hasty [acting without much thought or planning] comes only to poverty.” Planning for retirement is one practical way we exercise diligence and stewardship.
When we start early, time becomes an ally. Saving and investing over decades gives our resources an opportunity to grow through the power of compounding. More importantly, starting early gives us flexibility. We have more time to adjust when life changes, markets fluctuate, or our goals evolve.
Biblical financial planning is not simply about accumulating as much money as possible. It begins with recognizing that everything we have belongs to God. Psalm 24:1 reminds us, “The earth is the Lord’s and the fullness thereof.” We are stewards, not owners, and our financial decisions should reflect that understanding.
Starting early also allows us to consider questions beyond a retirement account balance. How will we use our resources to serve God and others? How much should we give? How can we provide for our families? What legacy do we want to leave? Proverbs 13:22 reminds us of the importance of thinking beyond ourselves: “A good man leaves an inheritance to his children’s children.”
Unfortunately, many people wait until retirement is close before asking these questions. Being late does not mean it is too late, but procrastination can make the journey more difficult. The good news is that a wise step taken today is better than a perfect plan postponed until tomorrow.
Whether retirement is thirty years away or just around the corner, now is a good time to begin. Review your spending. Revisit your savings strategy. Consider your giving and legacy goals. Pray for wisdom. Seek godly counsel when needed. Our financial wellness team is trained, experienced, and here to help. There is no cost to our members for our services. Just give us a call to get started.