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.

As a pastor, you've dedicated your life to shepherding others, often accepting modest compensation in exchange for the privilege of following your calling. The ministerial housing allowance has likely been a crucial financial blessing throughout your years of service, but what happens when you retire?