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Do You Have Enough To Retire?

Updated: Nov 30, 2023

Proverbs 16:3

Commit to the Lord whatever you do and he will establish your plans

Are you ready for retirement? I don't mean, ready to quit your job. I'm sure many of us are ready to do that. I mean, are you ready to live out the 3rd chapter of your life, without the stability of employment?

Don't get me wrong. Just because you are retired doesn't mean that you won't have any income. There are many ways to still receive income, retirement plans, pension plans, Social Security. Also there are other potential passive streams of income such as: rental properties, royalties, and dividends.

But how much money do you need?


Are you on track for saving that amount?

If you answered...

to either of those questions, I have a tool that you can use to give you an idea.

If you are apart of our email list, on March 23rd I sent out an email describing the impact of inflation and how investors may want to review their retirement asset allocation during this time.

In order to use this resource, you are going to need that allocation and a few other pieces of information.

Here are a few things they will ask for:

  • Name

  • Date of Birth

  • Employment Income

  • Assets in Employer-Sponsored Plans and the Contribution Rate

  • Risk Tolerance

  • Asset Allocation (it's usually that little pie chart on your are welcome)

Once the calculator is finished performing its magic...🪄

you should receive a Probability of Success ranging from 0%-99%.

Obviously, the closer to 99% the better.

If you scored a little lower than expected, that is okay. They also provide an option called "The Play Zone" where you can adjust the numbers to see where you should be and figure out where you can make improvements.

You must understand, there are many more variables to a successful retirement than the ones we mention for the calculator. But this is a great start for beginners to get an idea of where you stand today.

In today's scripture it speaks about commitment. I know a majority of you will look at the calculator, feel overwhelmed and put it off for another day. But today's scripture reminds us that God will not establish your plans, if you don't commit. Today, I want you to make a commitment to your finances, and to yourself.

You don't have to know everything today. Take your time. Commit to learning one section at a time until you are able to fully fill out the calculator. God is with you, are you with Him?

Well, if you are ready, here is the calculator. I pray you find this helpful, because I want to see you succeed.

If you enjoyed this post, be sure to comment below. Also, if you have an idea for a future post, you can put it in the comment section below as well.

IMPORTANT: The projections or other information generated by the Retirement Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. We still recommend, once you receive your results, to speak with a Christian Financial Advisor to go over your options.

Thank you for reading!

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About the blog:

Many Christians struggle with the seemingly conflicting views about our faith and the pursuit of financial gain. They were taught that poverty was piety and that a lack of money was the only way to truly detach themselves from the love of money. Our blog debunks some of those claims, teaches you that you can be rich and righteous, and at the same time fulfill your obligation to tithe and give to the less fortunate. We are dedicated to helping you become cheerful givers by organizing your personal finances, providing investment tips to help you create wealth, and encouraging you to create a gifting strategy that will make your family and God proud.

Meet the Author:

A.B. Ridgeway, MBA ( is the owner and Christian Financial Advisor with A.B. Ridgeway Wealth Management. With a decade in the finance industry, his goal is to give believers clarity around the most confusing topic in the Bible, money, and tithing. A.B. Ridgeway helps tithing Christians become cheerful givers but unlocking their money-making potential, so they can prosper and be the great stewards of the wealth God has entrusted them with.

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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