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Jobs In Retirement Are The Future As 1 out of 4 adults, 50 and over, say they will never retire

Episode Summary: In this episode of "Financial Advisors Say The Darndest Things," host AB Ridgeway explores the concerning trend of individuals planning to work indefinitely due to financial insecurity in retirement. Drawing from his extensive experience in the financial industry, Ridgeway discusses the societal pressures and financial habits contributing to this phenomenon. He emphasizes the importance of proactive financial planning and seeking guidance, particularly from Christian financial advisors, to secure a comfortable retirement.

Key Takeaways:

  1. The Herd Mentality: Ridgeway highlights how societal norms and comparisons can lead individuals to adopt unhealthy financial habits, such as living beyond their means, based on the perceived behavior of others. He underscores the need for individuals to resist this herd mentality and prioritize responsible financial stewardship (Proverbs 21:5).

  2. Fear of Change: Many people resist seeking financial advice or making necessary changes out of fear, pride, or shame. Ridgeway encourages humility and acknowledges the challenges of admitting financial struggles. He stresses the importance of seeking help from professionals, especially Christian advisors who offer understanding and support (James 4:10).

  3. Living Within Means: Ridgeway explains how debt accumulates when individuals live above their means, spending future income on present expenses. He warns against the pitfalls of consumerism and urges listeners to differentiate between assets and liabilities, avoiding excessive debt (Proverbs 22:7).

  4. Financial Preparation: With the looming uncertainty of Social Security and Medicare funding, Ridgeway urges listeners to take control of their financial future. He emphasizes the need for proactive retirement planning, including savings accounts, IRAs, and 401(k) plans, to ensure a comfortable retirement (Proverbs 13:22).

  5. Hope and Action: Despite the challenges, Ridgeway offers hope and encouragement, emphasizing that it's never too late to start saving and planning for retirement. He encourages listeners to take practical steps toward financial security, reminding them that faith in oneself and proactive decision-making can lead to a prosperous retirement (Philippians 4:13).


  1. "We have to resist the temptation to conform to societal norms and instead prioritize wise financial stewardship based on biblical principles." - Proverbs 3:9-10

  2. "Humility is key to overcoming financial challenges. Admitting our struggles and seeking guidance from others, especially Christian advisors, can lead to greater financial wisdom and freedom." - James 4:6

  3. "Living within our means is essential for financial stability. Debt accumulation only hinders our ability to build wealth and achieve true financial freedom." - Proverbs 21:20

Conclusion: In a society plagued by consumerism and financial insecurity, it's crucial for individuals to break free from unhealthy financial habits and embrace responsible stewardship. Ridgeway's insights underscore the importance of seeking guidance, living within one's means, and proactively planning for retirement. By aligning financial decisions with biblical principles and seeking support from Christian advisors, listeners can navigate financial challenges with confidence and prepare for a secure and fulfilling retirement.

Prayer: Heavenly Father, we come before You with humble hearts, acknowledging our need for Your guidance and provision in all areas of our lives, including finances. Grant us the wisdom to resist societal pressures and live according to Your principles of stewardship and contentment. Help us overcome fear and pride, enabling us to seek help and advice from others, particularly Christian financial advisors who can offer support and wisdom (Proverbs 11:14). May we be diligent in managing our resources, living within our means, and preparing for the future, trusting in Your faithfulness to provide (Matthew 6:31-33). Strengthen our resolve to make wise financial decisions, knowing that with Your guidance, we can navigate any challenge and build a secure future for ourselves and our families. In Jesus' name, amen.

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*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.



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