Who’s Your Real Boss?

God ordained man to work for the fall, so we know that labor is good for us and not a punishment but sometimes it doesn't feel like a blessing either. Your job is getting you down time for a refresher course in Rob West welcomes compass father Howard discuss those in some detail today finger causing questions on anything that 805 five 7000 times more is your renal box right here counts no more than ever. And boy, isn't that the truth anyway.

Today were taking a deep dive into the chapter on work because there's really a lot while there certainly is Stephen. We can't wait to get started. Howard, always a delight to have you back on the program will Rob it's my pleasure.

I promise working to start today Howard with a biblical perspective of work because I think most of us lose sight of that from time to time so frame this up for us. Will Rob already mentioned that work with God's idea for the fall. Genesis 215 tell the Lord God took the man, Adam, and put them into the garden of Eden to cultivate and keep it so the very first thing the Lord did with Adam was to get the job despite what many have come to think work was initiated for our benefit and what was the stimulus environment of the garden you think about it. Adam had the original dream job.

No, no, no, she wanted to work course that changed after Adam did Sam became much more difficult. In Genesis 3 we read cursive is the ground because of you and toil you shall eat of it all the days of your life.

Both thorns and fiscal but your quote for you. You shall eat the plants of the field by the sweat of your state.

Usually so you know that work was never intended as a punishment and that true even after the fall simply more difficult work is still super important to the Lord because it shapes our character. You know jobs, not merely the past designed to earn money.

It's also intended to produce godly character in the life of the worker and think about it when a carpenters building a house house is also building the carpenter getting skill refining his judgment just to host the character qualities are developed in the work environment such a great big idea and really puts the objective of our work into a proper biblical context. Okay so we've established that work itself is good, and frankly Howard. The Bible doesn't play favorites with professions does arrive, you're absolutely right. Scripture doesn't elevate any profession above another equal dignity on all types of working we can find a wide variety of locations in the Bible and David was a shepherd and the king look with the doctor. Lydia retailer specialize in selling purple fabric that Daniel is a government worker, Paula tent maker course, the Lord Jesus himself was a carpenter and in God's economy.

This is really another idea there's equal big city in the labor of the salesperson janitor in the company regardless of the particular job we have in the particular status symbol. It might have in the world around us.

The labor of a private for the general of the Army from God's perspective, it is equal it's really the big idea here Howard is that we play to an audience of one, and it doesn't matter what were doing as long as we know that the Lord is the object of that work that were doing it to serve him that it puts everything in the proper context.

It gives value to every profession because what were doing were doing in service to the Lord like a Colossians tells us it is the Lord Christ whom you serve the biggest single idea when it comes to work. We were serving the Lord Christ himself not your boss that you thoroughly bet that Christ himself, and more. When you have that perspective, it does change everything in our work is right here today with you moneywise live less times more special guest date back with more calls at 1-800-525-7000 800 557. Would you like your life to be confused with joy. Would you like to interject an internal dimension in the most ordinary day on the radio says you can when you discover the treasure principle and a concise powerpack style is newly revised and updated book offers a six step plan. Finding the pleasure and eternal awards of the treasure. What you discover. Life will never look the same treasure principle is available when you click the store, but moneywise live.if you're investing for retirement or any other goal you may be wondering if it's possible to enjoy both profit and peace of mind, no matter what's happening in the market. Sound mind investing is a short video webinar on the topic of sound mind investing.org SMI has helped tens of thousands of Christians learn to be wise and faithful stewards in the area of investing profit and peace of mind and matter what's happening in the market. Sound mind investing.org is just amazing how we wish you best mean women but just a seasonal to letter those players with hydrolyzed like an in-depth forgotten, nobody's because we move on to the next one. What do we worship you know we worship people things that are here today and gone tomorrow. Woodley Ballin analyzed into something or someone to someone who loves us with the most amazing someone who cares about even the smallest details of their lives. Do you know Jesus is Jesus who heals with this Jesus who loves the pool. This Jesus who died for you and me. The Jesus who rose again. Do you now I'm this Jesus, I ask for you if that is robbing you of freedom and peace of mind. Christian credit counselors can help where a nationwide nonprofit counseling organization has helped over 3000 individuals in the last 27 years get out of credit card debt percent faster while honoring that info to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors.or call 800-557-1985 long. Today I moneywise live discussion is one that goes all the way back to the Genesis has to do with why has God is here to help us work for this. Our host Rob West and also I guessed Howard date is not a more foundational idea that we should have in our minds than really the proper understanding of work from a biblical perspective. Of course an hour just before the break, he reminded us that work is something that is good. It took place before the fall and that the Bible doesn't play favorites with professions. We even made this key statement that were serving Christ in our work that we serve an audience of one, and with all of that in mind Howard. Perhaps it makes working for a tough manager even more tolerable and maybe take some of the stress out of the demanding job with tight deadlines. Would you agree so I would totally agree Rob.

I understand that work. Christ himself, I want to be the best employee worker that I can possibly be an another to recognize that God has a part in our work and we have a little we have certain responsibilities and partial all the responsibilities yourself on things you cannot control that leads to a lot of anxiety, stress, recognizing that God is the court and we have a part can really be liberating for us a bit. Howard, what is God's part in work Rob. First of all, God gives us our skill in Exodus 36. It reads every skillful person in whom the Lord skill and understanding to know how to perform all the work God gives each of us unique skills and a wide variety of abilities key. It's not a matter of one person be better than another. It's just that they're different that they been given different skills that hopefully people get their arms around will only God has that can be a challenge with people about the Lord is also the one who controls success is the one ultimately responsible for getting that promotion or not think that promotions at least for now, and we see how the Lord used that in the life of Joseph in Egypt first diverse successful and positive.

How then can find a token to a dungeon. Ultimately, in God's perfect timing became second only to Pharaoh most powerful country in the world became number two got in and Psalm 75 really captures this promotion and power come from nowhere, but only God and that means your earthly boss is not the one who controls whether or not you get that promotion and we understand that this work with a different attitude and you reflect on most people leave God work. They believed that they alone control their success. Motion so they experienced a lot of stress, frustration, you understand God's part just eliminate all that frustration well this is such a big idea and I love what you said there about your earthly boss is not the one who controls whether or not you get promoted, which changes entirely.

How we view our boss, but I would also say this changes how we view our customers well. If God alone is our provider, then were not necessarily dependent upon that particular customer giving us the sale because God will provide. Now that then frees us up to be focused on serving our customers and thinking about what God would have us to do in service to those around us. Which would you agree with Ackley right and where to serve God's way. Manipulation is not part of the absolutely honest were to be straightforward and how we deal with customers that were to be gracious.

Certainly, tell them the benefits of what were selling but ultimately it is up to the Lord and again that really takes a lot of that she'd allow the pressure off that you talked a little bit about this, but you really articulated God's part. Well, anything else you would have us to know about our part. Well that's the bottom line is required, stewards or managers that one be found faithful were to be completely faithful in our job that would work hard to be diligent were to be honest were to encourage our boss would be gracious to work around that she shouldn't play office politics because were not try to get ahead on our flesh words, allowing the Lord in his proper timing to elevated 50 so chooses, not minutes. Interesting, when you look at Scripture you see time and time again hard work and diligence are encouraged quality condemned Proverbs 18.

Lewis lacking his work is brother to him who destroys pretty click here say you think about Rob know our work ethic is part of our witness for Christ work should be at such a level that people will never equate laziness and mediocrity with the Lord for the right position for the right job or career.

Should our work should we expect our work will be fulfilling me have the perspective of that were serving Christ and working for Christ.

Work can be really silly now and especially if you sent that your calling you. Not as you guys know you could called to radio so yes is a lot of work involved a lot of preparation involved but I know my discussions with you and that God called you he made sure to be on the radio and hugely fulfilling what you have that perspective in your heart. We have just about a minute left. We know our first priority is our relationship with the Lord.

But when it comes to your work often family and even our own rest can be sacrificed. Talk about the importance of those two ideas you're totally right and I think working too hard at reach epidemic portions. Frantic overcommitment to work pervades our culture and when you think about it. We are commanded not going to work but also the rest in Exodus 34 usually work six days but on the seventh day you shall rest even during plowing time and harvest time. You shall rest in rest can be an issue of site but I God content. Six is more than you could do. And yes, so it's really important to have spent time with family and get proper rest. When we work hard and rest as the Bible teaches and trust God to do his part, Howard. I know you taught us that things get better. Not perfect, were still in a fallen world, but we can live a life it's a lot less stressful. We can feel good about accomplishing what God has for us and really having this perspective that you just articulated today biblical foundation for our work is an absolute game changer.

So grateful for you my friend in the work that you continue to do thank you for stopping by insured with us today is the former host of this very radio program is also the founder of the company's finances God's way you find out more about him and his organization.

This encompass one.org and will be right back. The financial wealth you leave behind could be the best thing that ever happened to your loved ones or the worst in it splitting hairs, giving your money and things to your children without ruining their lives. Ron blue explains why it's important to make these decisions now, instead of forcing your heirs to do it later. Splitting hairs will foster a real appreciation for the precious resources that God has entrusted to you, and it's available. Click the start button moneywise live.org to which the friend's home in Milan And read what we are immediately cast upon 13 909, sexual immorality and debauchery and jealousy. I want to read what the new American commentary I'm quoting from this point on. We clearly doubt no one has made a greater contribution to the theology of the Western world more. This is now available as an online experience.org money and life run on the same track.

Unfortunately, sometimes it seems like your money is heading in a different direction from your goal, and never enough three keys to financial contentment. Author Ron blue helps you to break down all your financial options to a basic floor and then shows you how to keep it all chugging along in the right direction on the same track never enough three keys to financial contentment available when you click the store button moneywise live.org this today moneywise live with Rob last time Steve Moore always best to help you find God's will for your money in your finances based on the principles phone word we attempt to do that can help you in that regard. Give us a call right now because we have three, four, maybe five open lines of this is a great time to call 800-525-7000. Now I Rob, as you know, yesterday we were talking without calling from Lake George, Minnesota. He has some money invested in IRAs that have have a connection to various denominations of churches. We were quite sure what the details were. I think we may have them today absolutely.

Also glad to have you with us today. Thanks for coming back on the program. Thank you for taking my call. Absolutely. So I give aside the question that you had now that I'm a bit more familiar with what you're invested in there through the Assemblies of God. What specifically are you trying to decide at this point. My wife and we both have IRAs in ticket not yet the insured by land churches, building ministry of the nomination and they just heard. I think we probably didn't hear probably over 10 years. Five.

You could have come heard in all were looking at reinvesting in that or I get people but going forward, we can back off now because of the dealer. Although only be taken care of by the body of Christ, but maybe for the people that have the same situation exactly right now and basically what you're talking about. There is, specifically the Assemblies of God loan fund, but you could really apply this conversation really to any church bond or fund like this that's it.

That security made available. In this case to churches to expand their buildings or to buy land or to do a renovation work, and in addition, whatever that might be and I think there's two sides to this one is the conviction side, you know, anytime we offer to use faith-based investments in our portfolios were doing that hopefully out of a sense of conviction. We're wanting to avoid certain companies are wanting to embrace other companies because there is either some sort of kingdom return or some social implication positively that by being invested in this we think were gonna have an impact on the world make the world rejoice and that's a good thing or we don't like what companies doing sorry to stay away from it.

So I think the extent to which this investment decision.

In this this debt security. This loan fund if you will, offering a rate of return is a conviction that you want to be involved in, then that is I think separate from the financial side of this and so I think you need to wrestle through that and you and your wife come to a decision about are we in this purely because of the financial return or is there some other reason we want to be a part of this because we dislike the idea of this money being available to churches to be able to do what they want to do. Others might say. I specifically want to stay out of something like this because I'd rather not see churches borrowing this godly people come down on both sides of that conversation in terms specifically, though out of the financial side of this year.

These are not my favorite types of investments just looking at overall risk and return on the return side the returns not that great. I mean you were talking about certificate rates of your 1.25% for a year and you can do no coming you get .6% in a high-yield savings account so yeah it's better but you would you be better off somewhere else that has a secondary market that has FDIC insurance because you think the other issue you have to consider here is just your what are the risks associated with these types of investments when they're being extended to churches.

The collateral can be impaired during the downturn in the real estate market. You were talking about lending in an environment where there is no public market for these and so getting out of them can be a challenging word talking about a situation where these debt instruments are subordinated to other lenders so that the primary lenders gonna come first. These will be coming down the loan down the line in terms of when they would be repaid. Obviously churches in many cases are struggling right now just because of COBIT and what's going on there. So I think if you factor all of that in you'll realize perhaps that there's an elevated level of risk here because of the lack of liquidity, and just the potential risk of default. Not to mention you know, typically when the church is in default. Nobody forecloses on them for obvious reasons and so you being able to get out of those I think is more difficult and again I'm talking generally not specifically about this particular pool of investments so apart from a real conviction of you being in there for that reason I would like for you to probably look at other investment alternatives that don't have the the specific risks that I mention here as a preferable option moving forward. LZ hope you agree and we take no like a five year investment activity demand note so that were taking a look at a lower net demand note for not locking yes okay very good thinking, again, you'll get a little bit better yield here, but I think I would at the very least diversify into other asset classes or other bond instruments that have a little bit more liquidity and a little more safety along the way, I'm glad that we were able to hook up for a second day and shed some light on this for you and we wish you the very best. Thanks so much, just before the break of an email. Here we have done one in a while.

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Majority leader Mitch McConnell said Republicans will present with a procedural vote on a virus proposal with a net cost of about $500 billion in relief money however is facing opposition from Democrats. With my note to Charles Schumer accusing Republicans of holding a folding boat just to consume all the time.

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Let's discuss these and other things that are on your mind. We like to kick them around with you.

800-525-7000. Let's continue Cleveland, Tennessee Lynn, you've been very patient with your question for Rob patient. I really appreciate you probably pursuing harsh outreach for the purpose of making home improvement. I have. I checked out several vendors and guaranteed Q1 is a local bank. One is an online thing the local bank is point in interest rate but the loan, the amount within five or six monthly payment which is very important to me.

If I had extensive each month. I would need to take cash out of and they are both very close.

The actual cash out amount would be in my working model I say that because I don't this point I haven't nailed down exactly how much I for the improvement. When I ran a mortgage calculator. It seemed like over the net point percentage actually brought down the overall cost. Even though the loan plus like you give me a sense of what is the value of the home and what is the total mortgage you're looking to take out with the cash out. I believe will be around hundred and 34 and I'm expecting to take out either 60 or 65,000 okay very good and what is the total loan cost that you're looking at in either one $2300 and the estimated 5200 okay yeah and that's a lot of money for 60,000 all alone. I know it's a it's a smaller loan as loans go, but you know 11% is way up there in terms of the cost. Can you tell Lynn whether there are offering discount points, or you is part of the reason that so high as they're making you buy down the rate to get to the interest rate that you're in will .375 5200 Outlook if I wanted to make sense because I think anything lower than is this a 15 year mortgage 30 or 30 years okay yeah so there's that's the reason there's so much in there in the way of upfront costs because your bet rate is being bought down. That's a very low rate.

How many years do you have left in your current mortgage at 23 years because I refinanced seven years ago and what you owe and try to get ready.

40,000, and what our current right and what is your current rate 5.25 OKC are bringing down this this down quite a bit.

Well I realize God to keep in the payment low is an issue and so that's that's a factor here. I also realize that you need to cash out and it is truly for renovations were not using this for monthly cash flow for just general bills correct correct likely to break yeah no I get it in so II think the key here is I don't love the idea of you extending this for a new 30 years because your way and amortized loan works is the lion share of the payments on the front in the first 10 years. The vast majority is going interest working to start that calculator over again with the new 30 years of working to reset the amortization so the majority is going to be going to interest so I'm not crazy about that, so I'd much rather you go after a 20 year mortgage. But that is going to push the payment up such that it may no longer fit with what you need to solve for in your budget, so that's one thing you need to look at the other option would be to look at the refinancing you a new 20 year mortgage at 40,000 and looking for it, or perhaps a home equity loan or something like that to take the money out.

I also don't know that you need to buy the rate down that low, you may be better off. Given that cash is an issue, taking a little bit higher rate in getting getting the total expenses down.

But here's the thing. There's enough moving pieces here that I'd like to probably do a little bit of a deeper dive.

So if you don't mind send an email to questions@moneywise.org.

Let me connect you with one of our coaches to look at all of the numbers the pieces and parts here and perhaps weigh in on this because I like to look at your budget. I like to have some a look at the current loan look at that what you're trying to do for renovations and calculate all of this with you to determine the best course of action that's can be challenging in just a couple minutes here on the radio. So email is questions@moneywise.org mention that we spoke and I'll get you connected with the coach and will see if we can get you some help. That's kind of you Rob, thanks very much and Lynn. We hope we hear from you again, thanks so much, West Lafayette, Indiana Nick, just a couple minutes.

What's the situation about running a clan of the state and general bank sponsored 29 plan and from what I understand this, the state-sponsored one half a lot of benefit in terms state taxes but I think when I look at the options for investment.

I don't particularly like most of the investment options and that the highest one that thought with 10% that becomes a factor which a year-to-year rate of return, though the other side of the bank sponsored one. I know that I could definitely get a better rate of return, but I'm not sure if that gets me that's the same sort of benefits that the state-sponsored plant that will which are highlighting your Nick is really the central question. So with the 529 plan, which is our preferred plan for saving for college where you get the tax benefits you get essentially wroth like growth in the account as long as the money is used for qualified education expenses were created 12 education up to 10,000, and it's a great tool, but it does make sense to do some investigation to figure out which is the best plan for you because you gotta compare this in-state benefit to them the estate to income tax deduction if one is available through the 529 plan your state versus no superior investment performance in another state plan.

So what you go to saving for college.com saving for college.com you can put in all your information child's age, how much you put away in there to run an analysis to compare your state and where you live versus all the other plans. In terms of performance and give your recommendation on what's best thank you, Clara Chicago when you're coming your way next. Many people adopt an attitude toward marriage and finances that it'll all work out somehow. But sadly, it often doesn't financial woes can devastate a marriage but there is a better way. God's way, money and marriage God's way by Howard Dayton will help you discover God's approach in your finances strengthening your relationship with your mate and cultivating godly joy, money, and marriage God's way is available and moneywise live.org hi I'm very tired. I'm here to help you understand the urgency and how much fun it is to share your faith in the eyes of a layman. November 3 is almost here and it will be the most important election in our lifetime. Are you preparing studying the voters guide to God's word and allowing to direct you on how to vote. God is given us this amazing fruit. Select those who will lead this great nation. Deuteronomy 819 something God is the one who gives you power to be successful.

God is giving Christians the power to vote. Verse 20 goes on to say, if you ever forget the Lord your God, and follow other gods worshiping and bowing down the you will certainly be destroyed.

Just look at the destruction and confusion, causing sober division among us. That is a small taste of what could happen. Christians don't please don't waste your God-given permanent show your love for God and for America, by voting. There's nothing more exciting than knowing God is using you to move people closer to join his nightmare.com. Some people have a hard time reading the Bible's because they think it's an old book that has little relevance for their lives today, but I think Bible is. It was written over a period of thousand 600 years.

40 different authors of every sort kings poor people and fishermen, government officials, teachers and prophets was written in three distinctive languages on three different and unlike many other books of antiquity. Still being translated those languages because people find the answers they one or the Bible is relevant if you take some time from the gun.

Here's a great deal more about our money than most of us imagine Jesus is more about our use money and possessions and about anything else, including both heaven and hell in managing God's money, author Randy Elmer and breaks it all down in a simple, easy to follow format that makes it the perfect reference to if you're interested in gaining a solid biblical understanding of money, possessions and eternity managing God's money is available in the store moneywise live.org anyone best is that God has an still have a surplus 800-525-7000 Chicago, Illinois hello clear how can we help you with your life insurance question, no doubt, that I whole life insurance, tax shelter yeah well yes of life insurance seems like a simple concept right you pay a premium when you die, the company pays your beneficiaries, but then we add this permanent life insurance. This whole life insurance, which has an investment component built into it and that's where things can kill a little complex and you're right part of your whole life premium with a whole life policy goes into a tax-deferred account that accumulates what they call cash value over time and with any cash value account policy as the account grows and you can borrow against Denton and you know it's touted is perhaps a way to leave a legacy to your heirs and can be a good investment tool, but the returns tend to be lower in my view, than their comparable alternatives and the fees tend to be higher. So that's why we advocate for buying term insurance and then saving in traditional investment vehicles, which by the way, if you do it in a qualified account like a retirement account, 401(k) or IRA you have those same tax benefits where it's deferred, you take it out in income is income in retirement, you're probably not going to be working at that point, perhaps.

And so your tax bracket is lower and then you pull the money out or if use a Roth 401(k) Roth IRA then you don't pay any tax and retirement because your payment upfront so I would preferred that approach as opposed to using life insurance now for somebody who's a unique situation. Maybe they maxed out all of their retirement account options at work or you know they don't have very many options were there capped because their income is too high, in their sole proprietors are self-employed. Is there a case for life insurance is a tax-deferred investment vehicle perhaps, but for the average person. I like the other options where you get the full amount of the upside of your investment returns with a well diversified investment portfolio and where you buy life insurance just for the purpose. It's intended only the death benefit, not a savings vehicle you buy as much as you need for the. You need it and then you stop paying for it when you get to the place where you no longer needed because you say you have assets that are going to kick in if goes one of you if you're married one of you passes away, the other has all of your assets that you've accumulated. So that's got a big broad overview. Clara don't know if that helps or if there's a specific question that you still have helpful and shiny halite. Why fight there long term care yeah so you're right, you can impair long-term care insurance with whole life insurance.

I tenement this there's cases to be made for that. My preference is that you buy long-term care insurance is just pure long-term care insurance from a provider who is really committed to that space, were you not trying to bundle it with a death benefit, but you're getting just the amount you need, or you think you need in terms of the daily benefit for you to use in in-home care, assisted living or nursing home with the inflation riders all the things that you need as long as it fits in the budget and probably do that as a standalone policy that would just be my preferred option as opposed to trying to bundle all these things together savings vehicle in the long-term care insurance, life insurance, just tends to be very costly in terms of the fees and expenses. I'd rather you keep these things separate and by just what you need and pay for that. Only if it helps clear, great question. Thank you very much for contacting us today. West Palm Beach, Florida. Our next destination, and Elizabeth, you have a question about you Roth and the election season, how what's the situation there program and are wrong about so here I can never feeling better well between two and 3%. There is recommending more conservative on the other one for now, but family got advice from a different organization Christian faith.

It can, you can afford tell conflicting information Elizabeth. I would preferred that the investment strategy and never like to second-guess a professional because I'm just going to dropping in here and getting a little snippet of what's going on in your life.

So take this with a grain of salt, but I would prefer the investment strategy be built on your needs, goals and objectives for this season of life, as opposed to trying to time the market in some way you my notes here my screen from when you talk to our producer is that you perhaps there's some element of the election season being factored in here and so forth in the market tends to be forward-looking. A lot of what's going on right now with COBIT in the election.

By the way, did you know there's an election. He can't go five minutes without hearing about that right you all of that is tends to be priced into the market because it's it's so forward-looking and so to try to time our investment strategy for something that so short-term I mean matter of weeks.

Not to mention you know that other things coming in the next six months is the outcome of a losing game in my view, I'd rather you say okay what is your income needs. What is God doing in your life when you expect to use these assets on which you want to give what is your tax situation.

Now, let's build a portfolio that supports that. Not trying to maximize the returns or beat you know your neighbor.

You know that outperforming the S&P 500 is really about taking as little risk as possible but still achieving your desired results. Which means this money is the last the rest of your life to be able to fund your needs alongside weather income sources. You have so those are the factors that I would like to see used in deciding on the appropriate investment strategy and allocation for you as opposed to something more short-term in nature that frankly, we don't have any control over that doesn't make sense though and Intel. If you still go to prayer and asking God okay will affirm this idea though. You're welcome and I do affirm this ideal is, but that you have somebody walk alongside you, that you trust that you build rapport with them, to the extent you you know you feel like you need to make a change there and there's plenty of advisors you know out there, but I don't like the idea that you getting conflicting advice would rather see you find somebody that you can really just trust with these decisions and and hopefully get your with the person that understands what you're trying to accomplish and is going to build a long-term investment strategy that supports Elizabeth thank you very very much.

We can squeeze in one last call, Elgin, Illinois, and Diane, what's the situation we have just a couple of minutes to address okay regarding wage earner in my head keep working 66 right now I am eligible to be heated very handy and I'm not so eligible to apply for security the full retirement age marked by double weight halite 72. Both Microcode.

My clock knocked out of security yeah well it really depends upon what is the benefit of waiting, specifically with the pension and so do you have an understanding we know what it's going to be for the Social Security but do you understand what the benefits are in terms of increases that you would receive if you delayed the pension probably go up a little bit security yeah longer you wait is how much you know what we know is that every year beyond full retirement age to age 70.

The weight on so security you're getting see an increase of 8%. So you don't need the money in your healthy think you're going to live a long time course we don't know the day or the time the Lord will return or call us home.

But despite that, if you don't feel like you have quite a bit of time just based on everything you know today than there is a case to be made. If you don't need the money of waiting because 8% a year as it is a pretty good return on your money if you will. And once you reach age 65 life expectancy for women goes up to 84 for men 83 and so I think you could look at that one other strategy to consider.

Diane would be you go ahead and take your smaller Social Security and then let your husbands continue to grow.

He delays his and then you get the spousal benefits on the higher amount that you could convert to later if it's more advantageous so that would be one other option you could look at but I think at the end of the day.

If you don't need the money and you could wait in the internal rate of return on waiting makes sense. Like in the case of Social Security.

It may or may not on the pension you you need to know that then I think you could make a case for waiting and saying it on, let this continue to grow, live on what we have now and then will have this higher payout for the rest of our lives.

Once we start to collect okay.

I hope that works for writing. God bless. Thanks.

You know I'm I'm still thinking about Elizabeth's call Rob where she she was talking with two different advisors will one of them a Christian may be both work but get a getting conflicting information not uncommon. So what does one do continue to gather more information I just spent more time in prayer. Talk your spouse or call the guys on the radio about always call the guys on the radio know I you know I think you mean that's not unexpected. Steve different advisors different fund investment professionals are different approaches and I think that's where we need to go into a lot of prayer as Lord to give you wisdom you need to spend time interviewing various investment professionals asking a lot of questions. Hopefully them asking you a lot of questions. Getting a feeling for what is their investment strategy and why and why is that right for you in this season of life based on what you're trying to accomplish and then at the end of the day. Make the best decision you can know that you're not locked into any of those decisions you could make a change moneywise live is a partnership between the radio and moneywise medium my thanks to our technical crew today. They include Amy Aaron and course none of the men to hope you have a great remainder of day.

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