t unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong th

Without proper motivation, it is hard to go on. If we ask ourselves why we are doing something and we don’t have an answer, it is hard to keep giving our best efforts to the task at hand.

Unfortunately, when many churches are asked why they bother to do what they do, they often do not have an answer. Likewise, when many believers are asked what difference their faith makes in a practical sense, they, too, are at a loss for words.

Before the church can answer these questions of “why,” individual believers must first come up with an answer as to what difference it makes to be a Christian and specifically, a grace believer.

At times, we can become like David, vexed and frustrated at the pride and wealth of the wicked:

“For I was envious at the foolish, when I saw the prosperity of the wicked. For there are no bands in their death: but their strength is firm. They are not in trouble as other men; neither are they plagued like other men. Therefore pride compasseth them about as a chain; violence covereth them as a garment. Their eyes stand out with fatness: they have more than heart could wish. They are corrupt, and speak wickedly concerning oppression: they speak loftily. They set their mouth against the heavens, and their tongue walketh through the earth. Therefore his people return hither: and waters of a full cup are wrung out to them. And they say, How doth God know? and is there knowledge in the most High? Behold, these are the ungodly, who prosper in the world; they increase in riches. Verily I have cleansed my heart in vain, and washed my hands in innocency. For all the day long have I been plagued, and chastened every morning. If I say, I will speak thus; behold, I should offend against the generation of thy children. When I thought to know this, it was too painful for me; until I went into the sanctuary of God; then understood I their end” (Psa. 73:3-17).

Notice how David was able to cope with these thoughts. As long as he considered the “present tense” of things, he could easily be discouraged. The same is true of us today. At the present time, the world system does seem to be winning. But like David, our answer lies in considering not the “now,” but the end. Notice verse 17, “Until I went into the sanctuary of God; then understood I their end.”

Understanding the end is essential in maintaining a proper perspective—both of the wicked and of ourselves. Without understanding our end (and theirs), it is all too easy to become discouraged and distracted. Perhaps this is why Paul writes in Galatians 6:9, “And let us not be weary in well doing: for in due season we shall reap, if we faint not.” We faint or become weary and quit when we lose sight of our goal.

When we forget what it’s all about, it is easy to get caught up in the world’s definition of success. Soon we start thinking that success is measured by material things, by power, or by fame. Then, as we start to measure ourselves by these things, we begin to compare our measure of things, power, or fame with that of the world, and most believers will always come up short—especially those involved in ministry. But when we “begin with the end in mind” (to borrow the words of Steven Covey) we can make proper decisions in the meantime.

Today most people seem obsessed with the idea of preparing for retirement. They fret, worry, plan, and save for their “golden years.” They understand that they only have a limited window of opportunity to maximize their investments for retirement. They realize that retirement age will be upon them before they know it; but unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong thi

in trouble as other men; neither are they plagued like other men. Therefore pride compasseth them about as a chain; violence covereth them as a garment. Their eyes stand out with fatness: they have more than heart could wish. They are corrupt, and speak wickedly concerning oppression: they speak loftily. They set their mouth against the heavens, and their tongue walketh through the earth. Therefore his people return hither: and waters of a full cup are wrung out to them. And they say, How doth God know? and is there knowledge in the most High? Behold, these are the ungodly, who prosper in the world; they increase in riches. Verily I have cleansed my heart in vain, and washed my hands in innocency. For all the day long have I been plagued, and chastened every morning. If I say, I will speak thus; behold, I should offend against the generation of thy children. When I thought to know this, it was too painful for me; until I went into the sanctuary of God; then understood I their end” (Psa. 73:3-17).

Notice how David was able to cope with these thoughts. As long as he considered the “present tense” of things, he could easily be discouraged. The same is true of us today. At the present time, the world system does seem to be winning. But like David, our answer lies in considering not the “now,” but the end. Notice verse 17, “Until I went into the sanctuary of God; then understood I their end.”

Understanding the end is essential in maintaining a proper perspective—both of the wicked and of ourselves. Without understanding our end (and theirs), it is all too easy to become discouraged and distracted. Perhaps this is why Paul writes in Galatians 6:9, “And let us not be weary in well doing: for in due season we shall reap, if we faint not.” We faint or become weary and quit when we lose sight of our goal.

When we forget what it’s all about, it is easy to get caught up in the world’s definition of success. Soon we start thinking that success is measured by material things, by power, or by fame. Then, as we start to measure ourselves by these things, we begin to compare our measure of things, power, or fame with that of the world, and most believers will always come up short—especially those involved in ministry. But when we “begin with the end in mind” (to borrow the words of Steven Covey) we can make proper decisions in the meantime.

Today most people seem obsessed with the idea of preparing for retirement. They fret, worry, plan, and save for their “golden years.” They understand that they only have a limited window of opportunity to maximize their investments for retirement. They realize that retirement age will be upon them before they know it; but unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong th

was too painful for me; until I went into the sanctuary of God; then understood I their end” (Psa. 73:3-17).

Notice how David was able to cope with these thoughts. As long as he considered the “present tense” of things, he could easily be discouraged. The same is true of us today. At the present time, the world system does seem to be winning. But like David, our answer lies in considering not the “now,” but the end. Notice verse 17, “Until I went into the sanctuary of God; then understood I their end.”

Understanding the end is essential in maintaining a proper perspective—both of the wicked and of ourselves. Without understanding our end (and theirs), it is all too easy to become discouraged and distracted. Perhaps this is why Paul writes in Galatians 6:9, “And let us not be weary in well doing: for in due season we shall reap, if we faint not.” We faint or become weary and quit when we lose sight of our goal.

When we forget what it’s all about, it is easy to get caught up in the world’s definition of success. Soon we start thinking that success is measured by material things, by power, or by fame. Then, as we start to measure ourselves by these things, we begin to compare our measure of things, power, or fame with that of the world, and most believers will always come up short—especially those involved in ministry. But when we “begin with the end in mind” (to borrow the words of Steven Covey) we can make proper decisions in the meantime.

Today most people seem obsessed with the idea of preparing for retirement. They fret, worry, plan, and save for their “golden years.” They understand that they only have a limited window of opportunity to maximize their investments for retirement. They realize that retirement age will be upon them before they know it; but unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong th

it when we lose sight of our goal.

When we forget what it’s all about, it is easy to get caught up in the world’s definition of success. Soon we start thinking that success is measured by material things, by power, or by fame. Then, as we start to measure ourselves by these things, we begin to compare our measure of things, power, or fame with that of the world, and most believers will always come up short—especially those involved in ministry. But when we “begin with the end in mind” (to borrow the words of Steven Covey) we can make proper decisions in the meantime.

Today most people seem obsessed with the idea of preparing for retirement. They fret, worry, plan, and save for their “golden years.” They understand that they only have a limited window of opportunity to maximize their investments for retirement. They realize that retirement age will be upon them before they know it; but unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong th

t unfortunately, they fail to give much thought to what comes after retirement.

Actually, we have quite a long time to prepare for retirement. On average, we probably will have twice as long to prepare for retirement than we do for retirement itself. Unfortunately, many people do not start to think about retirement until they are in their 30’s or 40’s. The longer they wait to prepare, the greater their sense of urgency.

With the recognition of the need to prepare for a relatively short earthly retirement, it is sad that we do not recognize the need to prepare and invest for spiritual things. For this earthly retirement, we have about 40 years to prepare for 20. But for our heavenly retirement, what is 85 years compared to eternity? What about the person saved later in life? The Apostle Paul was just such a person. He had invested the first third or half of his life in the wrong things. He looks back and realizes that all of his life before Christ was nothing more than spiritual “junk bonds”—worthless (Phil. 3:7-8).

But after his conversion, the Apostle Paul maintained a sharply focused life (Phil. 3:10; Acts 20:24). In his epistles he urges us to have the same focus and dedication in pursuing our spiritual aims (I Cor. 9:24-27; Phil. 3:13-14). He says that we shall reap IF we faint not (Gal. 6:9).

Like physical investments, our spiritual investments must be made for the long haul. Longfellow is quoted as saying, “Many men do not allow their principles to take root, but pull them up every now and then, as children do flowers they have planted, to see if they are growing.” Some folks approach their spiritual investments the same way. Rather than allowing their spiritual fruit to abound to their account (Phil. 4:17), they make withdrawals and wander from the path of wise spiritual investments.

Investing for retirement requires sacrifice. We have to understand the principle of delayed gratification. At times, this sacrifice will seem especially burdensome. If we forget why we are doing what we are doing during such times, we will be tempted to abandon our plan. The same is true spiritually. If we ever forget the true end of all things we will be tempted to start living for the “now.”

Many people suddenly find themselves at retirement age and are filled with regret and remorse because they did not make preparation for this final chapter of their life. If failing to prepare for this creates regret, imagine how the person feels who finds himself in eternity—saved, but spiritually bankrupt because he just never got around to making those spiritual investments. Like the person who didn’t plan for retirement, he had good intentions—he always intended to get ready, he always planned to do something, but time kept marching on and before he knew it, it was too late.

Notice what Paul says in I Timothy 6:17-19, “Charge them that are rich in this world, that they be not highminded, nor trust in uncertain riches, but in the living God, who giveth us richly all things to enjoy; that they do good, that they be rich in good works, ready to distribute, willing to communicate; laying up in store for themselves a good foundation against the time to come, that they may lay hold on eternal life.” Notice his words—“laying up in store”—this speaks of spiritual investments.

Distractions are a constant source of temptation to any investor. In this life, there is always that new car, a bigger house, or an extended vacation to tempt the investor to divert his retirement funds. Would he enjoy these things? Most probably, he would. But he would pay the price later on. Likewise, the world constantly tempts us to divert from our spiritual investments. Satan is always sending us spiritual junk mail and ringing our telephone with his latest offer of temporal pleasure. If we do not remain focused on our goal, if we do not remember the end of all things, we can easily give in to Satan’s schemes.

What can we do to remain focused and on track spiritually? Well, one key is to understand—really understand, the relevance of the mystery to God’s plan for today. We read in Ephesians 1:3 that we have been blessed with all spiritual blessings in heavenly places in Christ. Notice where the sphere of our blessings is found—in the heavenlies. Nowhere in Paul’s epistles are we said to be blessed with all blessings in the here and now. We understand that, as the old song goes, “This world is not my home, I’m just a-passing through. My treasures are