Monday, July 27, 2026

Chapter on biblical view of work

This chapter took me a decent amount of time to write. In part that was because I did not have something like a seminary paper to base it on. On the plus side, I’ve thought and read about Christian work for decades, but I needed to reread some of the books on the topic that I liked, organize what I wanted to say, and do additional research as well. As such, I did not have as much time to polish what I wrote as I would have liked. I’m trying to keep sharing what I have at noon every other Monday even if I don’t think it is “ready.” I’d appreciate any feedback you have on the flow of the chapter, what you think I have left out, and anything in it you disagree with. Don’t worry about typos, clumsy wording, and such as I’ll clean those up in a subsequent pass.

In this chapter, I tried putting in subheads. I’m not sure if you find them helpful or not, but I think they are needed. Let me know your thoughts. If you agree, then I’ll go back and add them to what I’ve already written.

Besides polish, I feel like there is more that I should include in the chapter, so I will do that over the coming months. I need to put some more work into some of the Greek and Hebrew word studies. I also think it probably should be longer than the chapter on leisure. I would love to add a personal story or two, possibly to replace the ones I used. Anyone have anything about their experiences with work that might better help explain one of the points? I’m good with either fully anonymizing it, saying something like “my friend Don told me this about his work/retirement experience,” or including your full name and some specifics. Just let me know. Thanks! 


  

A Biblical View of Work

Retirement is usually thought of, at its simplest, as no longer working for a living. Therefore, before understanding retirement, we need to understand the true nature of work. While this may seem like a diversion, I consider it fundamental to us knowing what retirement should look like.

Merriam-Webster’s definition of work is “to perform work or fulfill duties regularly for wages or salary.” By the time we reach the typical retirement age of 65, most of us have been working for 40 years or more. I had worked full-time since I was in my late teens, so when I retired at 65 it was after almost 50 years of work.

            During those years, working was what I spent the most hours doing, usually more than I did sleeping. Work was the thing I often thought about even when I wasn’t officially working. For the last twenty years or so of my career, I was the co-founder of a successful technology company. I was able to use the rationale that it wasn’t just me and my family that I was working for; it was the dozens of other people who worked at my company. Like many people, when I met someone new, I usually asked, “what do you do?” (As a retiree, I’m now more likely to ask, “what did you used to do?”) My unintentional implication was that the job or profession of a person is the most important part of them.

            Not everyone approaches their work life the way I did. Many other people think of work as what they must do to pay the bills. They consider their work a means to an end. They may or may not like their jobs, but they see them as essential to paying for the things they consider more important.

Of course, our view of work may well change at different times in our lives. Regardless, the question most of us ponder at times is whether we work to live or live to work. Put another way, the prevailing thought on work is that it is either a necessary evil or the meaning for our lives. The Bible tells a different story.  

GOD WORKS

The Genesis creation account is very different from that of most other religious. Greek mythology viewed work as something that humans did, not the gods. Greek philosophy saw physical labor as bad while thinking was what good people and the gods did. Genesis instead records God working. God’s creation of the heavens and the earth is described as work. Genesis 2:2, says that “By the seventh day God completed His work which He had done, and He rested on the seventh day from all His work which He had done.” Work is not something for the lower classes, it is something that the supreme God of the universe did and continues to do. The result of His labor was something that He admired as evidenced by Genesis 1:31, “God saw all that he had made, and it was very good.”

God is often portrayed in other places in the Bible as working. As Ben Witherington, III (a professor and theologian) notes his book, Work: A Kingdom Perspective on Labor, God is described or shown as a potter, “metalworker, garment maker, dresser, gardener, farmer, winemaker, shepherd, tentmaker, builder, architect, musician, and composer.”[i]

The Bible also shows Jesus as someone who works. Pretty much every child in Sunday School knows that Jesus was a carpenter. The Greek word translated as carpenter is tekton and might better be translated as builder or craftsman. Regardless, His earthly father, Joseph, had been a carpenter and Jesus would probably have been apprenticed to him at a fairly young age. He did not start His 3-year public ministry until He was about 30. That means He spent far more time working in a common profession than He did in His public ministry. We know little about that earlier period of His life, but we have no indication that it was something He was ashamed of or hid from people. In Matthew 13:55, the crowds questioned His wisdom and miracles because He was only “a carpenter’s son.” Everyone seemed to have been aware of His profession.

The Bible describes Jesus as someone who works. In John 5:17, He responded to those persecuting Him because of His work healing a lame man on the Sabbath. The Apostle John writes, “But He answered them, ‘My Father is working until now, and I Myself am working.’” The Greek tense of the verb for working (ergazomai) indicates a past and continuing action. God continues to work, as does Jesus.

WORK WAS PART OF PARADISE

When God created man in His own image (Gen 1:26), the desire and ability to create and to work was part of that likeness. We were created to work, initially in the Garden of Eden.  Genesis 2:15 says, “Then the LORD God took the man and put him in the garden of Eden to cultivate it and keep it.” The Hebrew word (abad) translated here as cultivate means to work or serve. The verb to keep (shamar) is active and means to preserve which can be understood as another form of work. [Need to explore these word studies a bit deeper.]

Beyond tending to the garden, God gave Adam defined roles to rule over the animals, subdue the earth, and name the animals (Genesis 1:26, 1:28, and 2:19). The animals and plants were only to multiply, but God gave Adam work to do as well. From the very beginning God intended Adam, and all mankind, to work. We did and do so because we are created in God’s image.

My favorite Christian book on work is Tim Keller’s Every Good Endeavor: Connecting Your Work to God’s Work. He was a pastor in New York City, a theologian, and a popular author. I recommend this book to anyone who seriously wants to understand the role of work in our Christian walk. He points out, “The book of Genesis leaves us with a striking truth—work was part of paradise.”[ii] No one should be confused and think that work is a result of Adam’s and Eve’s fall.

Instead, part of Adam’s curse was that work would be hard. After Adam and Eve ate from the fruit of the tree of the knowledge of good and evil, God metes out their, and our, punishment. Part of that punishment was banishment from the Garden of Eden. Another part is described in Genesis 3:17-19. No longer would Adam simply tend a garden, instead his work would include sweat, hardship, and weeds. I’ve heard it said that the fall turned gardening into farming. Farming is honorable work, just as gardening was, but the Fall meant that there is now hardship and pain in doing it. No matter what jobs you’ve done in your life, there are always some parts of them that remind us of Adam’s, and our, sin. I’ve often thought that the ideal job is one where the ratio of bad work to good work is as low as possible. The Bible confirms that the bad work will always be present.

Keller contends that God created us with a need to work. He says, “Work is as much a basic human need as food, beauty, rest, friendship, prayer, and sexuality, it is not simply medicine but food for our soul. Without meaningful work we sense significant inner loss and emptiness. People who are cut off from work because of physical or other reasons quickly discover how much they need work to thrive emotionally, physically, and spiritually.”[iii]

My dad loved working with my mom as an antique dealer. They traveled up and down the East Coast buying and selling antique silver. He loved finding an old, blackened serving spoon at a garage sale for pennies, polishing it until it shined, researching when and where it was made, labeling it with all the relevant information, and selling it his booth at an antique show for $100 or more. He had a fine eye for what was valuable. When he reached the mandatory age (70) for receiving Social Security, he felt it was time to retire. He saw no reason for his antique business income to get taxed at a higher rate. It was finally time to relax, travel, and enjoy life.

That was exactly what he did, but it was not fulfilling. He often said that retiring was the worst decision of his life. I watched him over the next decade slowly shrink and die. It wasn’t as simple as saying that his lack of work killed him. Technically, Alzheimer’s did, but losing the working part of his life was a major contributing factor.

Keller further sees that the Bible shows “we don’t merely need the money from work to survive; we need the work itself to survive and live fully human lives.”[iv] People I’ve talked to about their retirement have told me confirming stories. One example was my best friend from high school who retired from the Postal Service when he was 64. After a few months of not working, he felt a real void in his life. He now works part-time at a hardware store and has been much happier. His work offers him personal fulfilment, a group of people to witness to, and some money as well.

OUR WORK, OUR CALLING

The Bible seems clear about the role of work in our lives, so why are many Christians confused about it? Keller sees part of the problem as being that there are so many Christian views of what it means to serve God through our work. Different books, sermons, and Websites maintain work is good if it promotes social justice, enables evangelism, shows excellence, creates beauty, glorifies God, engages and influences culture, brings joy, fulfills your passion, or makes money you can be generous with.[v] Each of these views boast some amount of confirmation from the Bible and Christian doctrine. Trying to pick one of them as the sole correct answer is impossible. The best we may be able to do is to see the value in multiple of them.

Another part of the answer is understanding the overlap between our work and our calling. Here I’m indebted to Witherington’s book on work which has much to offer regarding work in general and our calling specifically. He spends the second chapter of the book developing a theology of work or vocation as calling with much of that based on Gene E. Veith’s earlier book, God at Work: Your Christian Vocation in All of Life.

Witherington puts a very high value on our work and calling. He states that our “work is what weaves together the very fabric of a called person’s identity, and fulfills it.” [vi] Keller points out that the word vocation is based on the Latin word (vocare) to call. Our work is meant to be a calling, not just a job. We often think of calling as something reserved for people in “Godly” professions such as pastor, missionary, seminary professor, church secretary, or charity worker. One of the great, most important changes that the Reformation, and Martin Luther in particular, brought about was the removal of the line between sacred and secular work. Callings are not just to ministry, but to all sorts of work. Farming is not a lesser calling than pastoring.

Witherington sees our work and calling as deeply intertwined and argues that “Work is not a secular activity; it is a sacred one originally ordained by God, and so it must be undertaken in holy ways. And there is absolutely nothing wrong with good, old-fashioned honest labor or hard work, including manual labor. But whatever we do, we are to strive for excellence.” [vii]

Because our work is more than just a job, there are some jobs that Christians will never be called to do. No matter how compassionate we may be, we can’t be a nice mugger and see that as our calling. Nor, a prostitute, con man, or pornographer. Yes, any of those people can be Christians, but God will call them away from those jobs, not to them. Instead, God will only call us to jobs that allow us to match our goals with His goals.

Even “good” jobs can have aspects of them that Christians cannot do. For example, lying to sell a car and cooking the books as an accountant are not what Christians should do. My dad quit his job as an accountant because the business wanted him to put a racehorse on the books as a business expense. He could be an accountant, but not a crooked one.

One challenge that some of us face is never actually working a job that feels like our calling. That maybe because the jobs have not been fulfilling, are bone wearying, or never match our expectations. That does not necessarily mean we did not find our calling. Keller relates the story of Antonio Salieri from the play and movie, Amadeus. He was very successful as an opera composer and at the top of his world. Once he heard the music of his contemporary, Mozart, Salieri’s world was ruined because Mozart’s music was what he wished he could have written.

Keller asks whether that means Salieri had missed his calling and answers that he had not. He says, “Just because you cannot realize your highest aspirations in work does not mean you have chosen wrongly, or are not called to your profession, or that you should spend your life looking for the perfect career that is devoid of frustration. That would be a fruitless search for anyone. You should expect to be regularly frustrated in your work even though you may be in exactly the right vocation.” [viii]

Some of us have faced similar crises, especially in our current time when we are encouraged to follow our passion. Following our passion does not necessarily mean we are following God’s calling. Fortunately, today we have long enough working lives that we can try different careers. It is also important to understand as Keller says, “God can—and often does—change what he calls us to do.”[ix] Our calling and career may well not be for life. This can be especially important as we consider what our calling should be in retirement.

Something that makes all this more complicated is how much work has changed since biblical times. The most common forms of work have changed from agrarian to industrialized to today’s service and knowledge work. What we do as work has become increasingly abstracted from what we earn. When you harvest or hunt for what you eat, it is easy to see the relationship. People did use money in Biblical times, much as we do today. A denarius, used in several of Jesus’ parables, was a coin equal to a day’s wages. However, if you had your own farm, your output was not coins, but wheat or olives. Now, we don’t even get coins, we instead get ones and zeroes in our bank accounts. When you respond to emails all day in exchange for electronic money, it is a lot harder to see whether it is God’s calling. How much money did I make per email? Per meeting? That might have given me more (or less) enthusiasm about doing email and attending meetings for a living!

Witherington wryly points out, “The old road construction signs used to say, ‘Men working.’ But in any calling worthy of the name, it is never merely human beings working; it is also God working.”[x] To me that is the essence of what makes working become doing God’s work.

One thing I’ve not discussed in this chapter on work and calling is money. Obviously, money is an important consideration, but it should not be our primary one. Yes, making more money means you will have more money to use for God’s work, but that is seldom our real motivation. Adam’s physical needs were taken care of in the Garden of Eden, but God called him to work. This need for work beyond providing for our needs is important to consider when we think about what retirement should look like. In discussing this book, a friend asked me the following question, “If someone received a substantial, unexpected inheritance, what should their work look like?” I did not have a good answer. Keller sees work as an inherent need for all of us, beyond that of simply making money. If the hypothetical person receiving the inheritance no longer needed to work for the money, that person would still need to work in some way to fulfill their purpose as God’s image bearer. That has obvious implications for our retirement. We will examine this question in more detail in Chapter 4.

Regardless of our jobs and callings, the Bible gives clear instruction of how we should work. In Colossians 3:23, Paul instructs his readers, “Whatever you do, do your work heartily, as for the Lord, rather than for men.” That doesn’t just mean to work hard. Instead, the Greek word (psuche) for heartily literally means from the soul. That verse is one that I have long tried to incorporate into my life. I wear it on my wrist as a reminder. The verse means that I am to work, not lackadaisically, but with my very soul. And, not for the approval of others, but for God. It is hard to put any higher value on work than that.

Before seeing to see how to turn this understanding of the importance and calling of God’s work to retirement, we need to examine in the next chapter what our society’s expectations of retirement are.



[i] Ben Witherington, III, Work: A Kingdom Perspective on Labor. (Chicago: Eerdmans, 2011). Kindle edition, 7.

[ii] Timothy Keller, Every Good Endeavor: Connecting Your Work to God’s Work. (East Rutherford, NJ: Penguin Books, 2012). Kindle edition, 36.

[iii] Keller, 37.

[iv] Keller, 38.

[v] Keller, 22.

[vi] Witherington, 13.

[vii] Witherington, 16.

[viii] Keller, 94.

[ix] Keller, 95.

[x] Witherington, 35.

 

Monday, July 20, 2026

Editing/style guide

Thanks to the people who've taken time to send encouragement and suggestions. I've heard from people I've known for over 50 years, pastors, relatives, friends from church, and folks from other states. It is humbling to know that you are on this journey with me. Thank you! 

 As I’ve written these two chapters, I’ve become increasingly aware of my need for help with my writing. The irony is that I have been a published writer for over 40 years and for a few of those years I made a good living as a writer. Here is a quick rundown of what I’ve written over the years

  • co-author of two books (Windows Performance Secrets and Limit Your Greed),
  • co-author of over 1,000 articles on technology and related subjects for a wide variety of magazines, blogs, and Websites,
  • sole author of a handful of additional articles and blogs in technical publications and Websites, and
  • author of more than 100 personal blogs.

The bulk of my writing was with a co-author, almost exclusively with my business partner, Mark Van Name. It is a real luxury knowing that there is another person who will make sure your words aren’t nonsense! We understood what the other person was writing about, could maintain either that person’s voice or our common voice, and were able to clean up any clarity or grammatical issues.

I am convinced that I need to get an editor, even if I do end up using a publisher. (More on using a publisher versus self-publishing in a future blog entry.) I need both a “technical” editor (for biblical references and their applications) and a copy editor. Ideally, that would be the same person, but that may well not be possible. If anyone knows of people who have those skills, please pass their contact info along to me. I am willing to pay for their work. I have some leads but would love to have some more.

I am toying with the idea of seeing what AI can do rather than using a human editor. One example of how AI might be able to do well is to check all the biblical references in the book. I plan to investigate Claude as well as what Gloo AI has to offer. Gloo AI purports to be faith-based. Having an AI that doesn’t have a problem with Christian concepts would be helpful. I get rather annoyed when Word tries to change “Adam’s curse” to “Adam’s course” or its refusal to consider “giving” as a noun rather than a verb. (It’s a gerund, Word. Cut me a break!)

I also need a style guide to keep me from being inconsistent in my writing style. A publisher will have their own style guide, but I think it is easier to convert from one style to another than to have to deal with a mishmash of styles. Here are some of the style issues I need to investigate and decide upon:

  • Formal or base style guide (SBL vs. Chicago) – Scholarly theological writing tends to use SBL (Society of Biblical Literature), but this book will be aimed at a much more general audience. Someone confusingly SBL sits on top of Chicago, so I’d prefer to just use Chicago. I don’t know what Christian publishers prefer.
  • You vs. we vs. one – It is easier to write using “you” as in “you need to read the Bible.” The downside is that it can sound like I’m talking down to the reader. Using “we” is more inclusive but can be awkward at times such as “we need to prepare for retirement” when I’m already retired. Using “one” sounds way too stilted. SBL does not allow first person.
  • Tense of quotes (present vs. past, as in “Jesus says” or “Jesus said”) – I prefer past tense since it happened in the past, but most people seem to use present tense. Hopefully Chicago or SBL addresses this.
  • Capitalization of pronouns referring to God, Jesus, or the Holy Spirit – I prefer “He” to “he” but that is not the current trend in Christian publishing.
  • Avoid passive voice unless doing so is awkward vs. avoid at all costs – I prefer the former strategy.
  • Footnotes vs. endnotes – I think endnotes make the text flow better, but it is more of a hassle for readers looking for more information.

As a bonus, finding an editor early would be a great help in deciding these and then enforcing the decisions. 

In the meantime, I'm working on the chapter about the biblical view of work. It is taking quite a bit of time on the research side of things. I'm planning to post it in whatever state it is in next week by Monday at noon. Hopefully, that will be decent enough to get useful feedback from you all! 

 

Monday, July 13, 2026

Draft of the introduction

 

The introduction is one of the most important sections in the book as its job will be to convince readers the book is worth reading (and potential publishers that it is worth publishing). Consequently, this section will probably change dramatically as the book comes together. Arguably, the introduction should be written last, but I want something to both guide me and to be able to show to a publisher or anyone who is interested. As you may have guessed, I’m not very happy about what I have so far, but I’m trying to hold to sharing with you all a chapter every two weeks. I need deadlines and while self-imposed ones often don’t work, public ones usually do.

The hook or opening paragraphs of an introduction are especially critical. I came up with a few two-paragraph openings, so I’d love to hear your thoughts on which one you think would work best. I included three of them. The first one is personal, the second is more circumstantial, and the final one is societal. Some of the material that follows these possible hooks doesn’t follow smoothly, but that will be easy to clean up once I’ve settled on the hook.

As always, I’d love to hear your feedback. I'm not concerned at this point about typos or grammatical errors. I'd rather hear your thoughts on the general direction of this chapter (and others), what you disagree with, or what you wish I had included. Thanks!

 

Introduction

Almost three years ago, I retired. I was 65 years old and loved my work helping to lead a company I had co-founded twenty years earlier. I had come, however, to believe that my work was bad for my health, and I no longer felt called to it. My father suffered from Alzheimer's in his 70s and I was not far from that age. I was having some cognitive issues and worried I was headed down the same path. Fortunately, my co-founder was understanding and allowed me to retire. Things happened very rapidly and I had not done much thinking about retirement other than that my wife and I had done the necessary financial things to make it possible.

            I was not prepared. I had plenty of vague notions of what retirement would look like, but no real plan. My usual answer in such circumstances is to read books on the subject. I found very few books on Christian retirement. The more I looked, the more disappointed I became. This book is my attempt to better fill that void.

OR

Everywhere I look I am being fed information about retirement. A recent Prudential commercial proclaimed, “Retirement is the sum of your life’s work.” A John Hancock email started out with “Create a plan for your financial well-being.” An email from TIAA encouraged me to plan for my retirement to “design the life [I] want.” A local retirement community’s email said to “Plan ahead. Live well. Stay connected.” Another such community promised “resort-style living” in a “serene coastal setting, perfect for active adult living.”

My age and interests have me pegged as someone ready to stop working, kick back, and enjoy active adult living. This deluge of information didn’t, however, seem to offer a retirement that brings glory to God or serve others. Where do I turn to learn about that kind of retirement? Sadly, churches don’t seem to be addressing those issues. I’ve certainly not heard any sermons on retirement. Christian literature on the topic is not much better. My hope is that this book can help Christians looking to find the proper balance of slowing down as they age while still being active in Christian service.

OR

By the time we reach our forties and fifties, retirement begins to play an ever-larger role in our thoughts. We may fantasize about retirement, maybe because we have grown tired of our work and can’t wait for something better. We may think about taking the trips we always wanted to take or finally having the time to do things like read, garden, or start a new hobby. We may worry about how we are going to have enough money to retire and enjoy our golden years. Our 401K seems woefully inadequate and who knows if Social Security will even be around when we need it. We fret that we will never get to relax and enjoy the retirement we deserve.

Most probably, our dreams and fears of retirement are all mixed together. So, we plan, we save, we daydream, and we worry about retirement. Like me, the one thing you probably don’t do is think what would God want me to do if I didn’t have to worry as much about money and had more time available. My goal is for this book to help you shift your thinking about what your retirement can and should be.

REMAINDER OF INTRO

Retirement is generally thought of as life after we stop working. The challenge that most people entering retirement face is understanding what that should look like. That was the case for me. I started working when I mowed lawns at about 15 years of age, worked more or less full-time by my senior year in high school (at Dairy Queen and on furniture delivery trucks), had multiple jobs in college (in the graduate school admissions office and the computer center), and started my first “real” job two days after I graduated. I often had “side hustles” (long before that was a thing) writing and consulting. For over forty years, work was a major part of my life.

I read books on what God intended work to be and how I should work as a Christian. Over those many years, I tried to exemplify what I understood working to the glory of God meant. I don’t claim I succeeded, but at least I had a fairly good idea how God wanted me to work.

Then, I retired. I had no idea how He wanted me to retire. Or, if retiring was even something that a Christian should do.

This book is what I’ve come to understand a biblical, Christian retirement can be. By no means do I think I have it all figured out. However, I do believe that the Bible gives good and adequate instruction in this area of our lives as it does in all others. I’m hoping that what I’ve learned from studying the Bible, communicating with people considering retirement or already retired, and my own experiences will prove beneficial to others. My prayer is that this book can help Christians approach retirement as they would any other major inflection point in their lives such as marriage, starting a family, or changing jobs—with a clear understanding of how God would want them to proceed.

One of the retirement challenges for Christians is how much secular society has monopolized our understanding of what it should be. I ran across some quotes from Southern Living magazine that humorously look at some of our thoughts about retirement. I’ve included a few here:

  • "Retirement is not in my vocabulary. They aren't going to get rid of me that way." - Betty White
  • "You are never too old to set a new goal or dream a new dream." - C.S. Lewis
  • "The key to retirement is to find joy in the little things." - Susan Miller
  • "Retire from work, but not from life." - M.K. Soni
  • "I need to retire from retirement." - Sandra Day O'Connor
  • "Retirement is wonderful. It's doing nothing without worrying about getting caught at it." - Gene Perret[i]

The range of the list of quotes reflects our feelings and confusion.

Our dreams about retirement tend to be the same as for non-Christians. We dream of retiring so no one will tell us what to do. (Obviously, those dreamers aren’t married!) We look forward to sleeping as late as we want, taking trips we’ve long put off, enjoying our favorite leisure activities (golf, reading, gardening, or whatever), and having time to spend with family and friends.

Our fears are also like those of non-Christians. We worry that we won’t have enough money to actually retire. We’ve all heard stories of someone who retired and died of a heart attack not long after. We watch Internet videos claiming that retiring is the most dangerous day of our lives. The simple answer is that we know God cares for us and we should not worry. However, those fears are often evidenced by the harsh reality of retirement.

Sobering statistics show that retiring increases the probability of being depressed by 40%.[ii] Alcoholism and binge drinking are increasing among older adults. [Need reference.] Suicide rates are high and increasing among older Americans.[iii] The average retiree spends four hours a day watching TV. [iv] While we need to rely on God to overcome our fears, that doesn’t mean they are not real.

If our dreams, fears, and reality of retirement should be different than those of non-Christians, what does the Bible say? Unfortunately, the Bible does not say much directly about retirement. There is a short reference in Numbers 8:23-26 about Levites retiring, but that is about it. There are, however, plenty of general biblical principles that apply to retirement. As we shall see in Chapter 4, the key is that God does not have a sunset clause that says once you retire, His commandments about our lives no longer apply.

The church has not done much to help retirees or those nearing retirement to understand how to apply those biblical principles in retirement. Many churches have social groups for retirees (usually labeled as for seniors) but they don’t usually address what retirement (or aging) should look like. I don’t remember ever hearing a sermon on retirement. Nor has anyone I asked been able to recall such a sermon. This book attempts to fill that gap and may even serve as something that churches can use in meeting the needs of retirees.

To help make clearer what your retirement should look like, I’ve divided this book into three sections: understanding the world and the Bible’s perspectives on retirement, creating a spiritual plan for your retirement, and challenges you may encounter in retirement. The first six chapters of this book will look how the world views work and retirement versus what the Bible has to say about those issues. The big challenge they will confront is that the Bible says little directly about retirement. The Bible, however, does give us the necessary principles to make sense of what retirement should look like in the 21st Century.

            Chapter 1, “What exactly is retirement?” looks at our wide range of expectations, hopes, and dreams for what our retirement will be like. It will include what it means for people retiring in ways that were not common a few decades ago such as retiring much younger or “semi-retiring” (continuing to work at least part time). The chapter will help us to all be on the same page about retirement.

The second chapter is on the “Biblical view of work.”  Retirement is usually defined and widely thought of as the lack of paying work, so it is critical to understand first the biblical view of work. The Bible has lots to say on this topic and as you might imagine, its perspective on work is rather different from the prevailing secular ones. 

Once we understand God’s view of work, the third chapter, “Worldly view of retirement,” begins with a little history of the development of the concept of retirement over the last 150 years. It will look at how what was once something that happened for a very limited percentage of the population has come to be seen as a basic right, something that should be enjoyed at younger and younger ages even as life expectancy has risen. For an increasing percentage of the population, the retirement years are growing from a third to half of their adult lives. Unfortunately, statistics show that for many people those years are not what they had hoped they would be.

Chapter 4, “Biblical view of retirement.” One of the biggest challenges in writing this book is that the concept of retirement didn’t really exist in biblical times. Numbers 8:23-26 is the one direct reference which specifically talks about the Levites retiring at 50. It also includes instructions on what Levitical work they could still do, so it was not what we typically think of as retirement. Part of the reason for the lack of direct instruction is that retiring was just not possible for the vast majority of people in a poor, agrarian society. Just like Ma and Pa on the TV series The Waltons¸ their work had changed as they aged, but they did not have the opportunity to stop working. The Bible does have plenty so say about work, service, and personal conduct. Much of that is applicable during retirement.

The fifth chapter looks at “Leisure: God’s Gift or Satan’s Snare” and its outsized role in 21st-Century retirement. Most people see retirement as a time of leisure. A recent, large-scale study of the US population found that people 65 and older spend on average seven hours a day in leisure activities. What exactly is leisure? What is God’s view of leisure? The Bible does not really talk about leisure as we currently think of it, but it does have a lot to say about rest, particularly Sabbath rest.

Chapter 6 on “Idleness” shows that though the Bible may not have a lot to say directly about retirement, but it does have a lot to say about idleness or sloth. There is no sunset clause that says once you turn 65, idleness is fine. How does biblical idleness compare and contrast with rest and leisure? This chapter looks at what Proverbs and New Testament parables have to say about idleness. 

The next six chapters examine how we can create spiritual plans for our retirement years. They will introduce the concept, explain what to consider in creating one, and finally give an example of what one might look like.

Chapter 7, “Spiritual plan,” introduces the concept of a spiritual plan. Most people have a financial plan for their retirement, even if that is only using some online retirement calculators. Few Christians have a spiritual plan for their retirement. I know I did not but now wish I had made one. This chapter will look at what a spiritual plan should contain and what to consider when thinking of one for yourself.

The eighth chapter is titled “Start with a sabbatical.” One of the few good pieces of information that I was able to get from other Christian books on retirement was from Jeff Haanen’s An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life. The title is a good summary of the book, and I recommend you read it. Haanen recommends starting retirement with a sabbatical of a defined length of time rather than diving straight into whatever might come next. This chapter expands on that idea with experiences of my own and others.

Chapter 9, “Time to spare (and share),” looks at one of the biggest issues of retirement, the amount of time we have available. The challenge and opportunity are what to do with it. Time is like closet space. You move into a new bigger house with lots of extra storage space. Within a year, it is full and you have no idea with what. We all have experienced taking some time off from work to get some things done and at the end of that time we are disappointed at how little we accomplished. Stuff, good and bad, fills the available time. We need to be purposeful about what we spend our time on. Certainly, some of the time can be spent in leisure. We can share some of that time with our family and friends. (Arguably, we would have been well served to have a better balance of such activities in our lives before we retired!) One area that we tend to overlook is service. We no longer have the excuse that we would help with some ministry if we had time. For example, I have been helping with my church youth group for the last year and a half. It has been a great experience for me and beneficial for the teens. 

The tenth chapter is on “Finances” in retirement. By that I don’t mean saving up money for retirement. There are already lots of such good resources on the topic, including many secular ones. However, dealing Biblically with money once you retire is worth examining. Spending our savings rather than accumulating them is a real shift in our mindsets. Importantly, what should our giving look like in retirement? I’ve heard some people say things like since they have already tithed on the money they saved for retirement, they shouldn’t have to do so again. Or, that in retirement they no longer can afford to give to the church or charity.

In Chapter 11 we will explore “Writing your own spiritual plan.” I will use as an example what I wish my own spiritual plan had been as well as some ideas from other people’s. One key thing to consider is how to spouses can and should create their plans together or at least in light of each other’s plans.

The final chapter in this section (Chapter 12) looks at “Changing your plans.” All plans need to change over time. This is particularly true as we age and what we can do or what to do becomes more limited. So too will our spiritual plans. Annual updates are a good approach as well as updates when circumstances change such as illness, death of a spouse, or financial issues.   

            The final three [likely to be five or six] chapters look at some of the challenges we commonly face in retirement. Some of these are unique to retirement, but others are just new versions of ones we’ve faced all our lives.

            Chapter 13, “Changed identity,” explores how our identity is often tied up in what we do. People without work lose much of their identity when they retire. My dad often said that retiring was the worst thing he ever did. I watched him dwindle away without meaningful work. If you ask the typical person to list five words to describe themselves, almost all will include what they do. That may be as a parent raising children, a factory worker, or an executive. For me about ten years ago, I would have a said (in no particular order) I was an entrepreneur, Christian, husband/father, technologist, and cyclist. (Yeah, I sort of cheated by saying husband/father, but family man sounded odd.) Now, I’m no longer an entrepreneur, I’m more of a grandfather than father, I’m good with technology though it is not the passion it once was, and I don’t cycle nearly as much as I used to. Retirement and age have stripped away key parts of my identity. The key is to use our relationship with God rather than what we do better define our identities. It’s best to start doing so before we retire.

The fourteenth chapter is titled “Renegotiating marital roles.” We tend to view retirement as just life without the hassle of a job. So, rather than going to work five (or more days a week), we are free to do whatever we want with that time. Especially in the case of a couple where one of the spouses did not have full-time employment, that spouse typically dealt with running the house including making meals and such. What does retirement look like for that spouse? Does that spouse continue doing all of that work around the house while the retired spouse enjoys a life of leisure? Roles need to be re-examined when one spouse retires. What biblical principles should we apply in those circumstances? Put another way, if the husband retires does he get to just hang out around the city gate while the wife continues to be the ideal Proverbs 31 wife? 

Chapter 15, “When spouses retire at different times,” is related to the previous chapter, but probably worth its own chapter. This one looks at how to deal with one working spouse retiring earlier than the other. This may be due to age differences, circumstances such as involuntary retirement via a layoff, or different desires about continuing to work. How should roles and responsibilities reflect the reality of one half of the couple being retired while the other still works? Yes, you know can sleep late, but is that a good idea if your spouse needs to get up early to work?

[I think there will be a few more chapters that will come from input from others and gaps I see as I get further into the writing. Here are a few other chapters that I may end up including: managing time when we have so much of it, health in retirement (and as we age), changing roles, and additional resources (probably an appendix).]

The good news about retirement for Christians is that it can be one of the fulfilling and God-centric chapters of our lives. My hope and prayer is that this book can play a part in making that true for those who read it.



[i] Nellah Bailey McGough, “90 Retirement Quotes That Will Resonate With Any Retiree,” Southern Living, April 2026, https://www.southernliving.com/culture/retirement-quotes.

[ii] Gabriel H. Sahlgren, “Work longer, live healthier: The relationship between economic activity, health, and government policy,” Age Endeavor Foundation and Institute of Economic Affairs, February 2013,  https://iea.org.uk/wp-content/uploads/2016/07/Work%20Longer,%20Live_Healthier.pdf.

[iii] Chloe Zilkha, Vani Agarwal, and Richard G. Frank, “Suicide Rates Are High And Rising Among Older Adults In The US,” Health Affairs Forefront, March 2024, https://www.healthaffairs.org/content/forefront/suicide-rates-high-and-rising-among-older-adults-us.

[iv] “Time Spent in Leisure and Sports in 2024,” Bureau of Labor Statistics, September 2025, https://www.bls.gov/opub/ted/2025/time-spent-in-leisure-and-sports-in-2024.htm.