__Every year, Vanguard publishes its report on retirement savings and trends. Regarding retirement “catch-up,” [Vanguard](https://institutional.vanguard.com/content/dam/inst/iig-transformation/has/2023/pdf/has-insights/how-america-saves-report-2023.pdf) reports that very few Americans utilize the over 50 catch-up contributions the Internal Revenue Service (IRS) offers. The percentage ofeligible participants using this benefit is 16%, and for those making less than $100,000, the rate drops to less than 7%. Why is this?__

__What is the catch-up contribution?__

The [IRS ](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions)has established limits for the amount of money you can save in a defined contribution plan (401k, 403b, and 457b). For example, participants of the 401k can save $22,500 (2023) annually. The “catch-up” contribution allows a participant over 50 to save above this limit by $7,500[2]. For individual retirement accounts, a similar allowance is made up to $1,000 above the IRS limit of $6,500 (2023) per year. However, for most people, the savings required to utilize this benefit would represent a significant percentage of their gross income – over 20%.  It's certainly not surprising most people cannot afford to take advantage of this catch-up benefit.

The Bible is clear that saving little by little every year is wise. Proverbs 13:11 says, “Dishonest money dwindles away, but whoever gathers little by little makes it grow.” But what if you are behind gathering for retirement, or you fear you haven’t gathered enough? It’s never too late to start investing and saving for your retirement goals. Consider these six best practices to catch up on your retirement savings:

__1. Start with a firm foundation.__

Before focusing on retirement goals and investing, it is wise to establish your financial foundation. The [8 Money Milestones](https://www.christianmoneysolutions.com/freeresources) are a great way to assess your financial health and determine what steps you need to take before saving for retirement. This means establishing a pattern of giving, getting out of debt, and having a fully funded emergency fund of 3-6 months. Once you’ve worked through the first five milestones, you will be in a great place to begin playing catch-up with your retirement savings.

__2. Know how much is enough.__

As you consider your retirement years, understand how much money you need. Our goal as Christians is not to gather as much as possible but to gather what we need so that, ultimately, our financial resources can be used to further God’s Kingdom. Luke 12:15 says, “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” While saving is wise, you should know what you need to steward God’s resources well. If you’re unsure how to calculate what you need, seek the help of a professional who can walk you through scenarios and help you plan.

__3. Start saving.__

The best retirement saving advice is to start. If you’ve put off saving or fallen behind in your retirement, it’s never too late to create goals. Get started by funding your employer-sponsored retirement account up to your match (Milestone #3). Once you’ve reached your company match, save money into your Roth IRA up to the contribution limit. Once you’ve fully funded the Roth IRA, including all catch-up contributions offered to individuals over the age of 50, then come back to your employer-sponsored plan and save the rest.   Overall, you should target at least 15% of your income (Milestone #6) and more if you need to catch up to your goals. By saving into pre-tax and post-tax accounts, you can help lower your effective tax bracket in retirement.

__4. Cap your expenses.__

As you get closer to retirement, your expenses will differ from when you were younger. The expenses of a young couple with three toddlers running loose in the house will undoubtedly differ from those in their 50s or 60s preparing to retire. While you might be tempted to replace those expenses with new hobbies and toys (boats, RVs, etc.), capping your expenses is a great way to save your income and take advantage of those catch-up contributions offered by the IRS.

__5. Downsize before retirement.__

One area of your life that can significantly impact making life more straightforward and less expensive is downsizing before retirement. Certainly, this process can take different forms depending on your situation but consider a housing scenario with lower utility bills and potentially no mortgage. Not only would you be able to save more for retirement, but this could enable much more extraordinary generosity at the same time.

__6.  Increase your income.__

The other side of the margin equation is your income. Several ways to increase your income include working extra hours, taking a new role within your company, or even delaying your planned retirement for a few years. Each action would allow you to save more into retirement and catch up on those lost years. Even more exciting, you could consider an encore career where you do something you genuinely love well into the years you had planned for retirement – it may not even feel like work!

To leverage the IRS catch-up provisions and save for retirement, you must create margin in your lifestyle spending. This means reducing your expenses, and increasing your income as you approach your retirement years. To do this, create a solid financial foundation that eliminates debt and establishes a good cash cushion to handle unexpected emergencies. While you may be behind in retirement savings, it is never too late to start investing for your future. Most importantly, these actions will enable more extraordinary generosity before and during retirement.

__[Image](https://www.christianmoneysolutions.com/post/6-best-practices-for-catching-up-on-retirement)__ used with permission

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

Retirement

Very few Americans utilize the over 50 catch-up contributions the Internal Revenue Service (IRS) offers. Why is this?

6 Best Practices for Catching Up on Retirement

__God’s resources have not limit. Yet, we often find ourselves with scarcity mindset. A scarcity mindset is simply fearing that there are not enough resources available, whether it be money, time, opportunities, or success. While it's understandable to be concerned about our resources, a scarcity mindset hinders our ability to thrive and follow God’s design for money, especially in generosity.__

Let's look at five signs that may indicate you have a scarcity mindset and learn how to overcome them.

__Sign #1: You regularly worry about money.__

One of the most prevalent signs of a scarcity mindset is an obsessive worry about money. Even if you have a stable income and meet your needs, you may still feel anxious about financial security. This persistent fear can lead to unhealthy financial behaviors, like hoarding money, avoiding necessary expenses, or making poor investment decision. Instead of viewing money as a tool, you see money it as a scarce resource that must be clung to tightly.

It's crucial to reframe your relationship with money. This starts with understanding what the Bible says about money—God owns everything, and He has entrusted us with His money for His purposes. Recognize that God can give you whatever sees fit, and you have exactly what He has decided to provide for this season. By focusing on abundance rather than lack, you'll develop a healthier and more positive outlook on your financial situation.

__Sign #2: You never feel like you have enough.__

Individuals with a scarcity mindset are perpetually unsatisfied, believing that they never have enough of anything. Whether it's possessions, time, or success, there's a regular feeling of lack. This insatiable desire for more can lead to a never-ending pursuit of material possessions and achievements, leaving you feeling empty and unfulfilled.

Gratitude is a powerful antidote to a scarcity mindset. Practicing gratitude can shift your focus from what you lack to what you have. Each day, consider the things God has provided you, no matter how small they may seem. This practice helps you recognize the abundance in your life and produce contentment.

*Gratitude is a powerful antidote to a scarcity mindset.*

![](https://static.wixstatic.com/media/11062b_307ac1c648214514a707ba4c0d588bdb~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/11062b_307ac1c648214514a707ba4c0d588bdb~mv2.jpg)

__Sign #3: You aren’t happy when others succeed.__

A scarcity mindset can lead to feelings of envy and resentment when others succeed. Instead of celebrating their accomplishments, you can feel threatened by their achievement, worrying that their success lessnes your own opportunity to also succeed. This negative attitude hurts relationships and hinder your own potential for success.

To overcome this behavior, remind yourself that your ultimate worth is not found in a particular achievement or job but in God. Root your identity in him. Then, recognize that the success of another does not lessen your own worth. Try to celebrate the accomplishments of others and let them inspire you on your own journey.

__Sign #4: You feel that to improve your situation, someone else's situation must deteriorate.__

A scarcity mindset often leads to a zero-sum perspective. This means you believe success is a fixed pie, where for you to succeed or improve (to get your slice of the pie), someone else must have their piece of the pie reduced. This harmful idea creates a unhealthy competitive mindset that can damage relationships.

Shifting from a scarcity mindset to an abundance mindset involves recognizing that life is not a competition and that God’s pie is not fixed. Cheer on others. Help others. Seek win-win solutions. Their success does not hinder your progress.

__Sign #5: You constantly blame others for your situation.__

Individuals with a scarcity mindset tend to blame external factors and other people for their struggles. Instead of taking responsibility for their choices and actions, they see themselves as victims of circumstance. This only leaves them feeling powerless.

To break free from this cycle, take ownership of your life and decisions. Moving forward in your finances almost always requires a moment where you decide to take responsibility for your situation. Control what you can control. Understand that you likely can change your circumstances. This does not mean such change is easy or that outside factors didn’t play a role in your current situation. But if you constantly wait for others to fix your problems, the waiting will never end.

__A scarcity mindset will hinder your financial journey. Trust God and be steward well the resources He has already provided you. And ultimately, find your contentment in Him. He is more than enough.__

*[Image](https://static.wixstatic.com/media/11062b_307ac1c648214514a707ba4c0d588bdb~mv2.jpg/v1/fill/w_1108,h_738,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/11062b_307ac1c648214514a707ba4c0d588bdb~mv2.jpg) used with permission. *

Savings

God’s resources have no limit. Yet, we often find ourselves with scarcity mindset.

5 Signs You May Have a Scarcity Mindset

__As stewards of God’s resources, we regularly try to evaluate the best options for our money. Due to today's inflation, keeping significant amounts of money in traditional checking and savings accounts can decrease its value over time. For this reason, many are turning to high-yield savings accounts for better protection against inflation.__

__What is a high-yield savings account?__

High-yield savings accounts function like traditional savings accounts. They are usually offered by financial institutions, and money can be stored in them for short- or long-term financial goals. Like traditional savings accounts, the money is easy to access. Also, like traditional savings accounts, monthly withdrawals are limited by the government.

__What sets high-yield savings accounts apart?__

Where a high-yield savings account differs from a traditional savings account is the interest rates. The interest rate is variable, meaning it can go up or down. Currently, traditional savings accounts provide very little interest for deposits. Often, the interest rate is below 1%. High-yield savings accounts typically offer a much higher rate than traditional savings accounts. As of this writing, interest rates in some high-yield savings accounts are approaching 5%. Needless to say, the gap is significant.

While the higher interest rate does not always fully cover inflation, it can reduce inflation’s impact on the money held in a high-yield savings account. The higher interest rate can also increase the power of compounding, making money off your money. Traditional savings accounts do very little to help with compounding.

*While the higher interest rate does not always fully cover inflation, it can reduce inflation’s impact on the money held in a high-yield savings account.*

__How are financial institutions able to offer high-yield savings accounts?__

Banks and other financial institutions can provide higher rates for these accounts for two primary reasons: higher minimum balance requirements and lower overhead. Financial institutions make money off your deposits. Therefore, they will offer rates to customers who will deposit larger amounts of money. This is why high-yield savings accounts typically have a higher minimum balance than traditional savings accounts. It ensures they are enticing customers who can maintain larger balances.

High-yield savings accounts usually have lower overhead due to their online-only presence. This is not to say a person cannot find a high-yield savings account through their traditional bank, but most of these accounts are found with institutions that have a heavy digital, rather than physical, presence.

__Are high-yield savings accounts insured by the FDIC?__

The FDIC (Federal Deposit Insurance Corporation) insures deposits in member banks up to $250,000 per depositor, per insured bank. This means that your savings would still be protected up to the insured limit if the financial institution were to fail. FDIC insurance should be a significant factor when choosing where to store money. Fortunately, most high-yield savings accounts are insured by the FDIC. However, it is wise to make sure an account is insured before depositing any money into it.

High-yield savings accounts can be a great place to store money for future purposes. But before you deposit money into a high-yield savings account, make sure you know the minimum balance requirements and any restrictions related to the account. You don't want fees to eat away at the potential higher return.

__[Image](https://www.christianmoneysolutions.com/post/what-is-a-high-yield-savings-account)__ used with permission

Due to today's inflation, there are other, potentially better options than traditional checking & savings accounts.

What is a High Yield Savings Account?

__Our culture screams that we “deserve” to get what we want, and when we want it! That’s why most people are poor savers. Because they don’t see the value in practicing self-denial.__

But the Bible encourages us to save: *“The wise man saves for the future, but the foolish man spends whatever he gets”* ([Proverbs 21:20](https://www.biblegateway.com/passage/?search=Proverbs+21%3A20&version=TLB), TLB).

You may not be in a position to save a lot right now, but begin the habit.

When beginning to save, first focus on saving $1,000 toward one month’s living expenses for emergencies — unexpected, unbudgeted expenses that whack us all. The refrigerator goes on the fritz, the car brakes have worn out, there’s a health crisis in the family. If you have saved for the emergencies, you don’t have to pile up more debt to pay for them.

Joseph saved during *“seven years of great plenty”* (Genesis 41:29) in order to survive during *“seven years of famine”* ([Genesis 41:30](https://www.biblegateway.com/passage/?search=Genesis+41%3A29&version=NKJV)). That’s what saving is all about: not spending today so that you’ll have something to spend in the future.

__The most effective way to save is to make it automatic. When you receive income, the first money you spend should be a gift to the Lord, and the second should go to savings.__

An automatic payroll deduction is a great way to save. Some people save their tax refunds or bonuses. Remember this: if you immediately save, you’ll save more.

The Bible doesn’t teach an amount to save. We recommend saving 10% of your income.

This may not be possible initially. But begin the habit of saving — even if it’s only a dollar a month.

God commends the ant for saving. *“Four things on earth are small, yet they are extremely wise: ants are creatures of little strength, yet they store up their food in the summer”* ([Proverbs 30:24-25](https://www.biblegateway.com/passage/?search=Proverbs+30%3A24-25&version=NIV), NIV).

__We need to think like ants! Even though they are small, they save.__

Equipping people worldwide to faithfully apply God’s financial principles so they may know Christ more intimately.

Compass Financial

Money Topics

Most people are poor savers because they don’t see the value in practicing self-denial and minimizing debt..

Why Most of Us Are Poor Savers

Building up your savings and investments requires a steady approach. Rob West suggests something else as well: the attitude of a steward. Prudently build wealth by saving and investing with the attitude of one who is a steward over what God provides.

FaithFi

The Faith & Finance Minute is a great way to be reminded of God's financial principles with actionable items you can easily apply to your daily life.

Faith & Finance Minute

Building up your savings and investments requires a steady approach. Rob West suggests something else as well: the attitude of a steward. Prudently build wealth by saving and investing with the attitude of one who is a steward over what God provides.

Saving as a Steward

Saving can be the most difficult part of money management. Rob West encourages us to heed Proverbs 6 and consider the ant that stores its provisions in summer and gathers food at harvest.

Saving can be the most difficult part of money management. Rob West encourages us to heed Proverbs 6 and consider the ant that stores its provisions in summer and gathers food at harvest.

Problems Saving Money?

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

If you have more than you need, don’t hoard it. Instead, seize the opportunity to be extra generous in your giving. Rob West shares how to evaluate your situation.

Are You Saving Too Much for Retirement?

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Rob West offers a few helpful money saving ideas in the areas of gas, cash and utilities.

Money Saving Ideas

What are the practical and spiritual elements to consider between saving vs investing? Ron Blue shares his insight, experience, and recommendations on how to manage each of them.

The Ron Blue Institute seeks to be a thought leader with great influence committed to changing the way Christians think, act, and communicate about financial stewardship, empowering the church, and changing the world.

Ron Blue Institute

Videos

What are the practical and spiritual elements to consider between saving vs investing?

Understanding Saving vs. Investing

*Time in the* market is more important than *timing the* market.

Albert Einstein once called compound interest the most powerful force in the universe. But what is it, and why is it so powerful?

Our next video in our Timeless Truths for Investing series will inspire you by showing you the increasing power that investing even modest amounts of money can have over long periods of time.
### 
### Read the Transcript:

__Jason Myhre:__ *“Remember the most powerful force in the universe. Believe it or not, the genius Albert Einstein once said this, the most powerful force in the universe is compound interest. I want to introduce this point to you by using a classic example. It’s called a very expensive cup of coffee.*

*If you’re the type of person that likes to purchase coffee out at your favorite coffee shop, chances are you’re spending about $3 on that coffee, that’s the national average. Let’s imagine instead of buying $3 in coffee, you decided to invest that amount. How much would you have after 40 years? If we assume the historical growth rate of the US stock market, it grows to more than $215,000–a very impressive amount of money. Given how little you’re investing, just $3 a day. Why does investing grow the way that it does? It’s because of something called compound interest. And I want to share with you a layman’s definition, this one comes from Benjamin Franklin. He defines compound interest this way, money makes money, and money that makes money makes money. So what we’re doing is we’re investing $3 a day instead of buying coffee. $3 a day times 365 days in a year is $1,095. That’s what goes into the account every single year. It’s growing by the growth rate, which is 6.7%. So that at the end of year one, you now have, as you can see, a little more than $1,100.*

*In year two, compound interest begins to kick in. So the first thing you do is you invest another $1,095. That’s just what you’re committed to doing, instead of buying that coffee. It gets added to what is already in the account, such that at the beginning of year two, you can see it’s about $2,100, and then the whole thing grows again by the growth rate and at the end of year two, you have about $2,400. All the following years look the same. Now, let’s walk through Benjamin Franklin’s definition here. He says money makes money. What he means is you’ve got some money in your pocket and then it makes money. How did that happen? You invested it. So he’s talking about the very first part of this, this breakdown here where that $1,095 becomes $1,100. So money makes money. Then he says, and the money that makes money starts to make more money.*

*What he means is you’re not actually taking anything out of the investment account, you’re reinvesting it, including the interest that was made the prior year, such that even the interest begins to make interest or it compounds, compounding interest. This is where we get that phrase from. Let me show you what this problem looks like if you chart it. The yellow line shows you what $3 a day looks like. The blue line shows you what $3 a day invested looks like, and what I want you to pay attention to here is the upward-sloping line. What starts out in the early years looking very humble in the later years starts to look really impressive. This is the reason why financial people in your life are always telling you to invest as early as you can because time is such a powerful force because of this compounding interest. When you’re an investor, be patient. Time is a great friend because of this powerful force of compound interest.”*


__This communication is provided for informational purposes only and expresses views of Eventide Asset Management, LLC (“Eventide”), an investment adviser. There is no guarantee that any investment strategy will achieve its objectives, generate profits, or avoid losses. Eventide’s values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. Any reference to Eventide’s Business 360® approach is provided for illustrative purposes only and indicates a general framework of guiding principles that inform Eventide’s overall research process. Investing involves risk including the possible loss of principal. Past performance does not guarantee future results.__

Eventide

Insights

Albert Einstein once called compound interest the most powerful force in the universe. But what is it and why?

Remember “The Most Powerful Force in the Universe”

Not long after their two-week-old son passed away from a heart defect, the Standring family of American Fork, Utah, learned that their two-year-old daughter, Mazy, had leukemia.

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We’re not insurance—we’re the better, biblical solution to taking care of your medical costs. Through our biblical community, brothers and sisters in Christ are here to meet the need of eligible medical bills while lifting you spiritually

Christian Healthcare Ministries

Watch this family's journey through their sobering experience when learning that their 2-year-old daughter had leukemia.

Trusting God - The Standring's Testimony

"A week after my appointment with the eye doctor, I had my MRI. I spent the entire hour praying, asking God to give me peace; whatever happened, I wanted Him to receive all the glory. After my MRI, I drove back to work, thinking that I was going to complete my shift. Just as I arrived, I received a phone call from my doctor. The MRI revealed a tumor, and I needed to get to an emergency room as fast as possible." - CHM member, Sarah LaCroix.

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Needing to get to an emergency room quickly, watch Sarah's miraculous story of how God provided for her needs.

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