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() Framing the topic: pastors, money, and the question of retirement
() Biblical tension: trust God vs. plan wisely for the future
() Providing for wives and widows; inheritance and 1 Timothy 5:8
() Calling, longevity in ministry, and the “20–25% who make it to retirement age”
() Brian and Jim’s ages and seasons; Dr. Robert Smith Jr. on “I’m not retiring, I’m reassigned”
() Longer lifespans, medical costs, and needing expert financial help
() Life insurance amounts, caring for a likely-longer-lived wife, and Social Security decisions
() Power of starting small: investing early (e.g., $100/month from age 30)
() Split in the road: U.S. context vs. international context for pastors
() Global realities: pastors in parsonages with no home, savings, or safety net (Philippines example)
() Denominational support, pensions drying up, and intergenerational housing as a “retirement plan”
() U.S. pastors: Social Security, basic salary packages, and lack of formal retirement accounts
() Owning a home vs. long-term parsonage living; basic retirement practices for U.S. pastors
() Medical costs, health-sharing programs, and the burden of healthcare in later life
() Core exhortation: don’t punt on planning—life insurance, small retirement contributions, home ownership
() International pastors: when retirement options are minimal, planning with children and family
() Developing a life skill / bivocational trade to support long-term provision
() Encouragement for bivocational pastors and challenges for older men without alternate skills
() “Retirement” vs. “reassignment” in ministry callings
() Jim’s distinction: calling to full-time pastoral work vs. continued service in other roles
() Case study: seminary president planning to step down at 75, then feeling able to keep serving
() Practical implications: stepping aside from paid role while freeing salary for younger men
() Importance of planned transition before you “feel done” (Alistair Begg example; Brian’s own 60+ plan)
() Final exhortations: have a plan; others are affected by your decisions
() Closing prayer for wisdom in retirement and provision planning
