Balancing the demands of ministry while working another job creates unique financial challenges for bi-vocational pastors. As someone who has spent over 20 years in ministry, I've witnessed firsthand how many bi-vocational ministers struggle to navigate their complex financial situations, especially when planning for retirement.

Many pastors reach retirement age only to discover they lack adequate resources to step back from ministry—but it doesn't have to be this way. After decades of faithful service, shouldn't those who have shepherded congregations be able to retire with dignity and financial security?