The Pew Research Center recently published an alarming report: “In U.S., Decline of Christianity Continues at Rapid Pace.” Since 2009, the religiously unaffiliated have risen from 17% of the population to 26% in 2018/19. And today only 65% of Americans identify as Christians, down from 77% only a decade ago.

The report points out that there’s a generational dynamic at work as well. A full 8 in 10 members of the Silent Generation are Christians, as are 3/4 baby boomers. Yet today, less than half of Millennials call themselves Christians, and 4/10 are religious “nones.” That is, when asked about their religious affiliation, they respond “nothing in particular.” There are now 30 million more “nones” in America than there were just a decade ago.

Sobering stuff. Whether it be church attendance or looking at the religious preferences of Whites, Blacks or Hispanics, the decline of Christian belief in the past generation of Americans seems to be picking up steam.

Some push back on this thesis. Glenn Stanton, a conservative researcher at Focus on the Family, claims that news headlines about the “dying church” are overblown. He accurately points out that the greatest numerical declines are in mainline churches, and that the numbers of evangelical Christians are holding strong. Indeed, even Pew reports that though the overall number of Protestants among US adults has declined from 51% in 2009 to 43%% in 2019, among Protestants the number of evangelicals has grown in the last decade from 56% to 59%.

Stanton and others point out what is happening is that the “middle is falling out.” That is, those who used to be nominally Christian now feel no need to say they’re a Christian of any sort when a pollster asks. So many of these people get lopped into the “nones” category but are not necessarily atheist or agnostic. “Nones” is a complex category of those without strong ties to a denomination or faith tradition.

Historically American exceptionalism held true in religion. As other rich countries secularized rapidly, especially in Europe, America didn’t follow suit. But since 1990, we now have about 30 years of data that says belief is indeed falling in the US.

What sense should we make of this data?

Though I wouldn’t use the word “crisis,” (the internet doesn’t need one more alarmist article), I would like to lay out three problems that confessing Christians need to pay attention to as belief recedes in America.

(1) The politicization of faith is reshaping how Christians express their faith in public and how they’re perceived by the broader culture.

As I read over these Pew research findings, I ask, “How would many of the Christian young adults in Denver respond to the question: ‘Are you a born-again evangelical?’”

My guess is that many wouldn’t claim the term “evangelical” because the word now has political and fundamentalist connotations. Though we work with many who would consider themselves theologically conservative, they’re also culturally-engaged, justice-minded, and have found themselves exiled from either the political right or left. As pastor Tim Keller has eloquently said for many, historic Christianity doesn’t fit into a two-party system.

Senior writer for The Atlantic Derek Thompson makes a convincing case that a few historical factors led to American losing its faith. One was the moral majority, led by figures such as James Dobson, Jerry Falwell, and Pat Robertson, aligned Christian belief with Republican politics. Another factor was that after 9/11, all religion got lopped together with extremism. Either way, there are millions that now hold orthodox Christian belief, but don’t align with either the right or the left.

I see this every day at Denver Institute. As a matter of fact, my guess is that one of the main drivers of event attendance is that there’s a growing number of Christians (and, I’d argue, a good number of the “spiritual but not religious”) who want to distance themselves from political narratives about faith, but desperately want to find “their tribe.” They want to find others who care about faith and our culture, yet don’t find those communities either in their churches or their places of work. They’re looking simply for like-minded friends.

As old alliances peter out, a growing number of philanthropists, investors, business leaders, and other professionals are embracing vocation as a way of being public about faith without being political. Teaching students, attending to patients, serving clients, and fielding customer calls can be every bit as much a public act of faith as voting.

Indeed, I’d say daily work is becoming central to a growing number of Christians who are committed to living out the Lord’s prayer “May your kingdom come, may your will be done, on earth as it is in heaven” yet are uncomfortable with the categories placed on them by a shifting culture.

(2) The retreat from culture sounds appealing…but it isn’t a real option.

In the past several years, some have suggested that attempts to renew culture should be abandoned completely and we should prepare for a new dark ages, in which Christian communities can only preserve the knowledge of the truth – like medieval monastic communities – as culture caravans into an abyss.

Yet my conviction is that a retreat from culture undersells how deeply connected we are in the modern economy. For every meal we eat, for every message we send, for every mile we drive, we need each other.

We can’t fully retreat from culture. Culture is the air we breathe.

The world we live in influences our emotions, our thoughts, and our dreams. And by not talking about these realities in our faith communities (or by simply turning up the worship music and smoke machines) what generally happens is that we unthinkingly adopt the norms of the world around us.

Which leads me to my last point….

(3) The accommodation to a secular culture poses a real problem for Christians.

Why is it that social media and news is filled with such vitriol, including many who profess Christian belief? Ed Stetzer, a missiologist at Wheaton College, has helped to sort this one out for me in a single image.

The short of it: Fifty years ago, the broad cultural consensus on social issues had a Judeo-Christian consensus. This included “convictional Christians” (those who really believe the doctrines of historic Christianity) as well as congregational Christians (occasional church attenders) and cultural Christians (those who don’t attend church by just call themselves Christians because of family or tradition.)

Today, that consensus has drastically shifted. Today the broad cultural consensus is secular on most social issues, and those who hold traditional views feel backed into a shrinking corner. Hence, you get many self-professed Christians who seem to be among the most combative voices out there, hoping to recover a nostalgic vision of American Christian that supposedly peaked in post-WWII America.

Here’s what I think. There are many Christians who are searching for a way to be hopeful yet not combative; who want to be faithful to the countercultural way of Jesus yet engaged with the world around them; who are among the many “Christians who drink beer” and are tired of the culture wars, yet are simultaneously deeply concerned about the world we live in.

Yet in my view, there are very, very few models for this kind of life. If I work for a Fortune 500 company, what practices should I embrace, and which should I abstain from? What does faith look like in the immensity of modern health care? When has my faith become individualistic and consumeristic? How should I practice my faith in my family, community, or workplace? When have I accommodated to mainstream secular culture, and what on earth does it mean to be “distinctly Christian” in a pluralistic society? How shall Christians remain “activated” as followers of Christ during the week?

In our post-Christian culture, we are no longer Nehemiah, trying to rebuild the walls around a once-great Jerusalem. We are now Daniel, looking for ways to be faithful to God in Babylon.

Actually, doing this requires hard thinking, faithful imagination, and robust communities of practice – communities that we’ve only just begun to build.

Art Work

The Way of Nature, The Way of Grace – Tree of Life

October 13, 2019

Recently I attended an event on faith and the arts. Erik Lokkesmoe of Aspiration Entertainment told a moving story. A secular journalist who had recently seen Terrence Malick’s film “The Tree of Life,” bluntly told him, “I call bullshit on all churches who don’t send busloads of their people to see this movie.”

We then sat, about 90 of us, in a small art studio in Denver and watched the clip above from the opening monologue.

Since then, I’ve watched it about 10 times. I pause. I listen. And I’ve been ruminating on the quote below. Do I live the way of nature or the way of grace? Do I accept slights, or do I look out for just myself?

As I repeatedly watch this, I feel something heal inside me.

I offer this clip and quote to you here for your own reflection.

“The nuns taught us there are two ways through life, the way of Nature and the way of Grace. You have to choose which one you’ll follow.

“Grace doesn’t try to please itself. Accepts being slighted, forgotten, disliked. Accepts insults and injuries.

“Nature only wants to please itself. Get others to please it too. Likes to lord it over them. To have its own way. It finds reasons to be unhappy when all the world is shining around it. And love is smiling through all things.

“They taught us that no one who ever loves the way of grace ever comes to a bad end.

“I will be true to you. Whatever comes.”

– Terrence Malick

Health Care Vocation Work

Making All Things New – Jeanne Oh Kim, Pediatrician

July 16, 2019

In the last of several posts, here I’m highlighting the first-hand experiences of four professionals in Denver. Each of them shared at our annual fundraiser and celebration of vocation, entitle “Making All Things New: Finding Our Place in God’s Mission.” We asked them what they sense is broken in their industries, and how they sense God was using them in his plan to ultimately “make all things new.” Jeanne is a physician living in Denver

As a physician, I work in the confines of a broken medical system with sometimes few answers in relation to the infinitely complex human body. There is always new evidence to challenge previous practices. There is also pressure to see over 20 patients a day, which can pose a challenge to meet the true needs of my patients and families at times, especially, since we are in the middle of a mental health crisis, with patients experiencing anxiety, depression, and suicide at an all-time high. Families are also broken. Parents are extremely anxious and look to “the University of Google” and certain blood tests to provide answers, while often just feeding this anxiety.

I believe we are created with a mind, body, and spirit. Sometimes an illness just attacks the body like with an infection. However, disease or illness may be from brokenness in our mind or spirit, and it is challenging when families do not know that Jesus is the only way to true healing.

Each day, I pray for wisdom in how to bring the power and reality of the Kingdom into my exam rooms and that my patients and their families can experience Jesus through me. I pray that I can see them as He does, beautiful and loved by Him. By partnering with the Holy Spirit, I may pray in my head over a person, and when I feel led, I will ask patients if they would like me to pray with them and allow God to come and heal supernaturally, as only He can.

It is challenging work, but I feel honored to be able to serve God through my ministry to my patients and their families.

Through my work as a pediatrician, Christ is making all things new.

Will you join us? become a monthly donor today.

Education Vocation Work

Making All Things New – Britta Apple, High School English Teacher

June 14, 2019

In the next several posts, I’m going to be highlighting the first-hand experiences of four professionals in Denver. Each of them shared at our annual fundraiser and celebration of vocation, entitle “Making All Things New: Finding Our Place in God’s Mission.” We asked them what they sense is broken in their industries, and how they sense God was using them in his plan to ultimately “make all things new.” Britta was a 5280 Fellow in 2018-19.

One area of brokenness that I encounter as a high school English teacher is within the lives of my students. It ranges anywhere from troubled family situations to poor choices in relationships to students’ whose learning disabilities make it difficult for them to thrive academically.

What draws me to my work is the opportunity to introduce students to universal themes of struggle, courage, doubt, risk, and triumph that resonate with their personal experiences. Whether the work we study is classical or modern, students see their experiences reflected in the novels, plays, poetry and biographies we read.

My role is to select literature that reflects God’s truth – whether those themes are clearly or subtly expressed within the text – and equip students with analytical skills to understand their meaning. While I cannot control the brokenness students face, I believe God can bring healing and hope through encounters with great literature.

Through my work as an English teacher, Christ is making all things new.

Will you join us? You can become a monthly donor today.

Business Economy Finance Retirement Work

A Manifesto for Financial Advisors

May 22, 2019

Financial advisors play a critical role in the future of America.

They are stewards of a sacred trust, helping clients to save money for when they can no longer work, live a life of generosity, invest in businesses that align with God’s purposes for the world, spend wisely, and re-discover their calling to work and serve their neighbors over a lifetime.

If you’re a financial advisor, or you know one, what might it look like integrate Christian truth into this entire field, a $27 trillion-dollar industry that is shaping the destinies of millions?[i] (Click here to access a free downloadable pdf of this “Manifesto for Financial Advisors.”)

Here’s a place to begin.

1.Christian financial advisors help clients save money for when they can no longer work.

Saving is wise (Proverbs 21:20). Financial advisors have the privilege of encouraging people to prepare for the day when they cannot work due to old age or health. They also have the honor of helping clients still have enough to share with others (Proverbs 13:22; 1 Timothy 6:17-19).

But Christian financial advisors resolutely resist the narrative about saving for retirement built on utopian dreams of travel, never-ending vacation, and a care-free lifestyle. They recognize that sin and the Fall have affected all people, both wealthy and poor, and that there is no such dream of heaven on earth until Christ comes again. They also boldly call into question fear-based motives for saving in retirement, pointing people to trust God alone for their daily bread.

Also, since retirement (the cessation of work for a lifetime) is essentially a foreign concept to the Bible, Christian financial advisors work diligently to help people save for the day when they can no longer work due to health concerns, not for the day when they don’t want to work.

To work is to be human.

Financials advisors help their clients save money for retirement in order to provide for themselves in old age or illness, their family, and their community.

2. Christian financial advisors encourage clients to live a life of generosity.

God’s call to generous giving could not be clearer (Matthew 6:19-21; 10:42; Luke 21:1-4; 2 Corinthians 8:12-15; 1 John 3:16-18; Proverbs 11:24-25). Generous living most closely reflects God’s grace toward his people (2 Corinthians 8:9).

Christian financial advisors counsel clients toward sacrificial giving toward the mission of the church, the well-being of the poor, and the critical social, economic, and cultural needs of our day. They explore creative ways to facilitate their clients giving their cash, assets, time, skills, relationships, and influence. They lead by example.

Even though Christian financial advisors often don’t have a financial incentive to encourage generosity amongst their clients, they do so anyway because God first gave generously to them (John 3:16).

3. Christian financial advisors counsel their clients to invest in businesses that align with God’s purposes for the world.

Christian financial advisors believe that God owns everything (Psalm 24:1), including both their client’s money and also the money that is invested in companies through stocks, bonds, and mutual funds.

They are leaders in the space of socially responsible investing (some Christians also call this values-based investing, or biblically responsible investing). They believe God’s purpose for business is to provide for the needs of world by serving customers and creating meaningful work, while giving glory to God.[ii] Profit, therefore, is a means to an end, not the end of business. They believe investments are intended to help businesses grow and bless their communities. Christian financial advisors also believe business has been tainted by the Fall, and today corporations, like individuals, are bent toward greed and injustice (Micah 6:8-10). There are no “neutral” investments.

Inasmuch as they are able, Christian financial advisors seek out investments for their clients that align with their client’s values and God’s good purposes for business. They take leadership in providing ample returns for their clients and multiplied societal blessing through their client’s investments.[iii]

4. Christian financial advisors counsel their clients to spend wisely.

God has given us money to be enjoyed and spent wisely. But Christian financial advisors also recognize that “godliness with contentment is great gain,” and Christian history is filled with vows of poverty and commitment to simple living for the sake of more deeply enjoying the riches of Christ (1 Timothy 6:6, 17-19). Frugality is not a curse but a means to experiencing the abundance of God’s love, care, and heavenly riches.

Christian financial advisors are uniquely able to speak to our cultural moment and the current “retirement crisis” because they believe God himself, not the pleasures of this world, is our greatest joy. They believe in a deeper wealth than what money can offer.[iv]

Christian financial advisors counsel their clients to avoid debt, live within their means, defer gratification, and discover non-consumeristic ways to enjoy life and God’s good world.

5. Christian financial advisors counsel their clients to consider the different seasons of work over a lifetime.

Christian financial advisors see God’s pattern of six days of work and one day of rest as a blessing that lasts for a lifetime.

Rather than preparing clients to completely cease from work at retirement, they encourage sabbaticals and seasons of rest to renew a sense of calling for the next phase of life.

Therefore, they are instigators of a deeply counter-cultural movement. They begin to help clients save money for both sabbaticals and for when their clients can no longer work. They ask pointed questions to help their clients see a deeper purpose to life than entertainment or pleasure. Christian financial advisors, then, become sages, mentors, theologians, and philosophers who help their clients prepare for the next season of work, whether they are 60, 70, or 80 years old.[v]

Christian financial advisors are the innovators who call for a new movement of work, sabbatical, and re-engagement based on God’s design for work over a lifetime (Leviticus 25).[vi] They openly challenge the Let’s vacation paradigm of retirement, and honor the men and women who work later in life as the dignified elders of our churches, communities, and society.

They are the first to point out the valuable, brilliant, and creative work of men and women stewarding their skills, knowledge, and abilities into the sunset of their lives.

For a free downloadable version of this manifesto, visit https://www.uncommonretirement.com/financial-advisors.

[i] Nick Thornton, “Here’s What the $27 Trillion US Retirement Industry Looks Like,” Think Advisor, 2 January 2018, Accessed on August 10, 2018: https://www.thinkadvisor.com/2018/01/02/heres-what-the-27-trillion-us-retirement-industry/?slreturn=20180714204623.

[ii] Jeff Haanen, “Theology for Business (Video),” Denver Institute for Faith & Work, Accessed on August 1, 2018: https://denverinstitute.org/video-the-purpose-of-business-today/.

[iii] Organizations like the Christian Investment Forum and faith-friendly mutual funds like Eventide Funds actively explore how to pursue competitive returns for their shareholders while upholding Christian values. For examples of philosophies of Christian faith and investing, watch the video “Investing 360 – The Story of Eventide Funds”: https://vimeo.com/223488058 or read “Integrating Faith Into the Way We Invest,” by Tim Macready, CIO of Christian Super, an Australian Pension Fund: https://denverinstitute.org/integrating-faith-way-invest/.

[iv] For an excellent treatment on faith, money, and retirement, see: Chad S. Hamilton, Deep Wealth (Denver: PFI Publishing, 2015).

[v] I recognize this is almost unheard of today. But my thesis in this book is that this rhythm of work and rest is more biblical than the contemporary idea of retirement and it more closely aligns with God’s intent for us to work, in different capacities, over a lifetime.

[vi] Rob West, the CEO of Kingdom Advisors, a Christian ministry to financial professionals, says, “One of the roles of the advisor is to not only help the client to answer the question, ‘How much is enough financially?’ – in terms of our financial finish line so we can maximize giving – but also, ‘What are you going to do in the retirement season?’ Even if we stop our vocation, what are we going to do to be of service to the Lord full-time for God’s glory?” Both Rob West and Ron Blue, the founder of Ron Blue Co. believe both wise financial decisions and a lifetime of work, which changes in different seasons, are biblical.

Retirement Vocation Work

Today is Launch Day! An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life

May 7, 2019

Dear Friends,

Today is the official launch day for my first trade book An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life.

We have an opportunity in this moment to push on our culture’s view of retirement, and give our friends, parents, family members, neighbors, and co-workers a more beautiful vision of work, rest, eldership, and a life a sacrificial love based in the hope of the gospel.

In the coming weeks, I’ll post on this blog excerpts from the book. Can I ask you a big favor? Would you consider taking about 3 minutes and posting a review of the book on Amazon.com today?

Here are a few themes you might consider mentioning. An Uncommon Guide for Retirement helps readers:

Discern God’s call for their retirement years;
Challenge cultural assumptions about retirement;
Adopt a healthy vision for Sabbath rest, work and meaningful contribution for a lifetime;
Embrace a biblical view of time and a deeper understanding of what human longevity means for the retirement years;
Live out practical insight for retirement living on topics like learning, family systems, mentoring, and health.

Thanks for allowing me to to learn from you. If you’d like more information on the book, group discounts or the free study guide, make sure to visit UncommonRetirement.com. And feel free to leave comments on this blog!

Thanks again,
Jeff

Culture Work

Why We Should Redeem Retirement (ERLC)

April 3, 2019

“What am I going to do with my retirement?”

The anxious question came from Anne Bell, a recently retired researcher at the University of Northern Colorado. As a staff volunteer for the 5280 Fellowship, a young leaders program in Denver, Anne decided to give her first year of retirement to young professionals struggling with questions about calling. Bright and soft-spoken, wearing dark-rimmed glasses and carrying her teacher’s bag, today Anne came to the office with her own questions about calling.

As our staff team discussed our weekly reading, Anne looked out on the snow-capped mountains from our seventh-story office. “What do you think, Anne?” I asked. She paused. Her voice began to quiver. “I just don’t know what I’m called to,” she confessed. “I need to know what’s next.”

The world is undergoing a massive demographic shift. Nearly 80 million Baby Boomers will retire in the next 20 years, at a rateof nearly 10,000 per day. By 2035, Americans of retirement age will exceed the number of people under age 18 for the first time in U.S. history. Globally, the number of people age 60 and over is projected to double to more than two billion by 2050.

But today a growing number of Baby Boomers like Anne Bell – both Christians and their neighbors – are discontent with current cultural assumptions about retirement, and are asking better questions about work, calling, and purpose later in life.

Today, the dominant paradigm of retirement is about vacation – how to afford it, and then how to make the most of it. A Google search for the word “retirement” shows articles, ads, and tips on how to save enough money for it, and a host of books on how to enjoy it. Retirement gifts follow suit: a coffee mug that reads “Goodbye Tension, Hello Pension.” A kitchen wall-hanging with the acronym R.E.T.I.R.E says Relax, Entertain, Travel, Indulge, Read, Enjoy. The wine glass that reads, “I can wine all I want. I’m retired.”

Yet cracks are showing in the hull of the never-ending vacation view of retirement. More Boomers are questioning whether living in a Corona commercial can satisfy the heart’s longing for purpose over a lifetime – even if they could afford it. Mitch Anthony, author of The New Retirementality writes, “Retirement is an illusion because those who can afford the illusion are disillusioned by it, and those who cannot afford the illusion are haunted by it.

Some church leaders have responded by saying retirement isn’t “biblical,” (which is of course true, since retirement is a modern construct. The closest the Bible comes is Number 8:25.) “Lord, spare me the curse of retirement!” says John Piper, the former pastor of Bethlehem Baptist in Minneapolis and best-selling author. The late Ralph Winter, founder of the U.S. Center for World Mission, said, “Most men don’t die of old age, they die of retirement…Where in the Bible do they see [retirement]? Did Moses retire? Did Paul retire? Peter? John? Do military officers retire in the middle of a war?”

Yet the problem here is that most people can’t imagine working 30, 40, or even 50 years without more than two weeks off. Work is often painful. Mind-numbing tasks, humiliating bosses, a lack of autonomy, crammed schedules, co-worker conflict, new technology, oppressive hours. The author of Ecclesiastes writes: “So I hated life, because the work that is done under the sun was grievous to me. All of it is meaningless, a chasing after the wind,” (2:17). Work can be creative service. It can also be toilsome pain.

Might the gospel lead the world’s aging population to a new way forward, which both questions the “dream vacation” view of retirement and a life of unbroken work?

Becoming elders, not elderly

A new generation of older Americans are seeing retirement as a chance to take a season of sabbatical rest in order to listen to God’s voice, rethink work, and commit to serving their families, neighbors, co-workers and communities as elders.

Bradford Hewitt retired in November 2018 from his role leading Thrivent Financial, a Fortune 500 not-for-profit financial services organization with a faith-based mission. “After being in an executive leadership role for 25 years, I’m planning for the next stage of service,” says Hewitt. “Before I start, I decided to do a sabbatical. The pace of being in leadership is intense. My idea of a sabbatical is just the opposite. I know I need to slow down and listen to God’s voice before I jump into something else.”

More Christians like Hewitt are spending early retirement in an intentional 3, 6, or 12 months of worship, feasting, silence, service, reflection, and learning in order recalibrate their hearts to hear the voice of the Caller.

Rather than buy into a culture that sees old age as a problem to be solved (think of “anti-aging cream”), a new generation of older Americans is also embracing aging as a “crown of dignity,” wrinkles and all (Proverbs 16:31).

Far from being an insult, the term “elder”was once associated with wisdom, character, and leadership ability, the assumed fruit of experience and age. “Stand up in the presence of the aged,” says Leviticus (19:32). The term elder (zaqen) is used in the Old Testament as an indication of one’s nobility. The elder taught wisdom at the city gate, the ancient place for public dialogue (Job 32:6–10).

Gordon Smith, president of Ambrose University in Calgary, believes two ideas – wisdom and blessing – are the biblical model for fruitful living in retirement. “To bless is simply to affirm the other, to take particular delight and joy in the other in a nonjudgmental manner,” he writes.

Smith tells the story of speaking at a family camp for Christian doctors and dentists. “These men seemed to have no other agenda than to enjoy the teens at the camp. And they had an immeasurable influence on my two [teenage] sons,” Smith remembers. “It seemed like they never used the word should, which all teens hate, and had no other plan than to bless my sons and the teens at the camp.”

The psalmist writes, “The righteous flourish like the palm tree and grow like a cedar in Lebanon. They are planted in the house of the LORD; they flourish in the courts of our God. They still bear fruit in old age; they are ever full of sap and green,”(92:12-14). Retirement may not be biblical. But becoming an elder filled with life, hope, memory, and wisdom for a coming generation certainly is.

This is an adapted excerpt from my book An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life (Moody Publishers, May 2019) and was recently posted by the Ethics and Religious Liberty Commission.

Economy Work

Saving Retirement (Christianity Today, March 2019)

March 4, 2019

Growing old is not what it used to be. For millions of retirees, that may actually be good news.

Pat Poole felt a mix of relief and uncertainty once he decided to retire from his sales management job at Halliburton at the end of March. An Oklahoma Sooners football fan and an avid golfer, Poole looked forward to more leisure time after leaving the Houston-based global oil service company. But he also had questions. One morning, he put down the TV remote and asked his wife with complete sincerity, “What am I going to do?”

The world is undergoing a massive demographic shift. More than 70 million Baby Boomers will retire in the next 20 years in the United States alone. By 2035, Americans of retirement age will exceed the number of people under age 18 for the first time in US history. Globally, the number of people age 60 and over is projected to double to more than 2 billion by 2050.

But as retirement looms for Baby Boomers, a growing number of them—both Christians and their neighbors—are discontented with current cultural assumptions about it. They’re asking new questions about money, work, time, family, leisure, and a life of purpose.

As Americans live longer, “we do not know what we will be doing with all that time,” Joseph Coughlin, director of the Massachusetts Institute of Technology’s AgeLab, told The Atlantic. Lynda Gratton and Andrew Scott, authors of 100-Year Life: Living and Working in an Age of Longevity, point out that for that people are living longer than ever before, and the average retiree can expect to live another 20-30 years.

What retirees consistently say they want to do with their time in retirement is spend it with family. But what happens when the realities of caring for needy adult children, looking after aging parents, and spending newfound hours every day with a spouse conflict with desires for rest and leisure? And how much leisure is too much? One study found that inactivity in retirement can increase chances of clinical depression by 40 percent.

Anne Bell, a recently retired researcher at the University of Northern Colorado, spent a year early in her retirement volunteering with the 5280 Fellowship, a leadership development program in Denver. Bright and soft spoken, Bell was speaking one day to a group of early-career professionals when she found herself wiping away a tear. “I’m really searching for what I’m called to,” she confessed. “I just want to know what’s next.”

Bell is one of millions of Baby Boomers, the majority of whom are Christians, who are asking new questions about a new society. Yet considering retirement is one of the most widespread experiences of an aging world, the Church has been almost silent on the topic.

Leaving Paradise

The idea of retirement as a never-ending vacation was popularized in the 1950s by developers and the financial services industry. Indeed, the financial services industry—with an estimated total value of $27 trillion—is deeply dependent on the idea. A Google search for the word “retirement” returns a host of retirement calculators and articles on 401ks and IRAs—and images of gray-haired couples blissfully holding hands, walking white-sanded beaches. The message: Save enough, and you too can have paradise.

It’s an ironic picture, given that at its founding in 1958 even the AARP—the world’s largest nonprofit devoted to advocating for seniors—was encouraging retirees “to serve, not to be served.”

But the vacation ideal of retirement has led to a number of unsatisfying options for older Christians across the developed world. First, the dream itself is showing cracks in the hull. “At first, I kind of enjoyed the novelty of it. I felt like I was playing hooky,” says Ben Whittaker, the 70-year-old widower in the 2015 film The Intern, written by fellow Boomer Nancy Meyers. “I used all the miles I’d saved and traveled the globe. The problem was, no matter where I went, the ‘nowhere-to-be’ thing hit me like a ton of bricks. … I know there’s a hole in my life, and I need to fill it. Soon.”

Margaret Mark, former head of research at the advertising agency Young & Rubicam, interviewed retired Americans (age 55 to 70) across socioeconomic spectrums. They reported a love for their newfound freedom and lauded the glories of no longer having a commute. Yet when asked about their overall happiness in retirement, doubts crept in. They reported a powerful sense of loneliness. Even though they had more time for family and friends, they missed the bonds they experienced at work, or “relationships with a purpose.”

In short, retirement as a never-ending vacation is, for many, much more appealing before they actually try it.

Millions more Americans are realizing they could not afford that vacation even if they wanted it, and are instead worried they may not be able to afford basic necessities. The average retirement assets of those aged 50-59 in 2013 were just $110,000, yet they would need $250,000 just to sustain $10,000 a year in retirement income. According to The Wall Street Journal, more than 40 percent of households headed by people ages 55-70 (about 15 million people) lack sufficient resources to maintain their standard of living in retirement. And as traditional pensions disappear for younger workers, one-third of American adults have no retirement savings at all.

As Mitch Anthony, author of The New Retirementality, put it:“Retirement is an illusion because those who can afford the illusion are disillusioned by it, and those who cannot afford the illusion are haunted by it.”

Quickly establishing itself as an alternative to the “let’s vacation” paradigm is a widespread movement toward “encore careers.” Promoted by leaders like Marc Freedman, president and CEO of Encore.org, the story is that retirement isn’t about leisure as much as social entrepreneurship and civic engagement. “Our enormous and rapidly growing older population—commonly portrayed as a burden to the nation and a drain on future generations—is a vast, untapped social resource,” writes Freedman in his book, Prime Time. “If we can engage these individuals in ways that fill urgent gaps in our society, the result would be a windfall for American civic life in the twenty-first century.”

In the past generation, many Christians have bought into the view of retirement as a time to change the world. Two decades ago, Nelson Malwitz was a 50-year-old corporate director at Sealed Air Corporation, the company that invented Bubble Wrap. Stuck in a mid-life crisis, he helped to start the finishing well movement, a gathering of early retirees in the late 1990s hoping to find significance in second-career overseas missions. Drawing from Bob Buford’s popular book Halftime, many older Americans hoped to go “from success to significance” after they retired from “secular work.”

There’s a lot to praise about the encore movement. It swaps a vision of consumption for service, acquiring for giving, and points out the obvious: Today we tell productive, bright, able citizens in their 60s to stop working and start collecting a pension—often during the prime of their career.

Yet some Christians are wary of promises of overabundant “significance” through encore careers. I asked Fred Smith, the recently-retired president of The Gathering, an annual conference for Christian philanthropists, what he thought about the idea of significance. “It’s like drinking salt water,” he said. “Looking for significance from external things is still competing for somebody else’s ‘OK.’ It just leaves you thirsty.” Ironically, the same exhausting treadmill of a career can follow the recently retired into more “meaningful work.”

The most prominent Christian voices on retirement today point out that retirement isn’t “biblical”—which is, of course, true, since retirement is a modern construct. “Lord, spare me the curse of retirement!” says John Piper, the former pastor of Bethlehem Baptist in Minneapolis and bestselling author. The late Ralph Winter, founder of the U.S. Center for World Mission, echoed Piper’s sentiment: “Most men don’t die of old age, they die of retirement. … Where in the Bible do they see [retirement]? Did Moses retire? Did Paul retire? Peter? John? Do military officers retire in the middle of a war?”

The closest the Bible comes to retirement is Numbers 8:25: “And from the age of fifty years they [the Levites] shall withdraw from the duty of the service and serve no more.” Hauling around the furniture of the tabernacle was hard physical labor. However, later in life, Levites were commanded to “minister to their brothers in the tent of the meeting”—a hint that God didn’t intend for our work to stop completely, but to morph and mature with age.

Yet the main problem with the “resist retirement” view is that most people cannot imagine working nonstop for 40, 50 or even 60 years. In Habits of the Heart, sociologistRobert Bellah interviewed executives, government employees, school teachers, and small-businesspeople on how they felt about retirement. He found they were “sick of working,” hated “the pressure,” had “paid their dues,” and “wanted to get out of the rat race.” The appeal of the vacation paradigm for aging Americans is an under-recognized spiritual (and often physical) exhaustion and pain that can accompany a lifetime of work (Ecclesiastes 2:17; Genesis 3:17-19).

So overwhelmingly, those who can retire, do.

Redeeming Retirement

Yet many Christians today are choosing a contrarian path, eschewing both the never-ending vacation and the life of unbroken work. In an age where structures for older Americans lag behind their aspirations for a meaningful life, the church is beginning to experiment with new paradigms for living a fully human life in retirement.

From Vacation to Sabbatical

“Linda and I decided to take a purposeful pause to listen for God’s voice, ” says Barry Rowan. In 2006, Rowan was the CFO of Nextel Partners, a wireless phone company. After years of high-pressure positions, he decided to take a sabbatical rather than to completely retire and cease from all work.

The word vacation derives from the Latine vacare, from which we get “to vacate, make empty, make void.” Many see retirement as a chance to “vacate” their lives, whether on the beaches of Mexico or the mountains of Colorado. But Rowan says, “I left my time off with a deeper level of surrender and a deeper appreciation that I had become less, and God had become more in me.”

Some are now seeing retirement as a social construct that allows them to take an intentional three, six, or 12 months of sabbatical rest to prepare the heart for a new season of fruitfulness (Leviticus 25). Rhythms of preparation, worship, feasting, learning, simplicity, remembrance, and service, are chosen over consumption, travel, or a premature jump into a new field.

Bradford Hewitt retired in November 2018 from his role leading Thrivent Financial, a faith-based Fortune 500 financial services organization. “After being in an executive leadership role for 25 years, I’m planning for the next stage of service,” Hewitt says. But before jumping into whatever may be next, Hewitt is pausing for discernment and taking a six-month sabbatical of prayer, solitude, rebuilding friendships and eating healthier. “The pace of being a CEO is intense. My idea of a sabbatical is just the opposite. I know I need to slow down and listen to God’s voice.”

From Success to Surrender

“I am convinced that part of the essence of vocational identity during this period of our lives [the senior years] is that we let go of power and control,” says Gordon Smith, author and president of Ambrose University in Calgary. “People listen to us because we are wise and because we bless, not because of our office or any formal structure of power.”

Releasing power allows older adults to freely give to the next generation, without the need to capture titles or wealth. “This season of life is like fly fishing,” said Fred Smith. “When I catch fish, I now don’t need to keep them. I delight in releasing them. Catch and release—this is what retirement means for me.” Ed Wekesser, a 67-year-old coach for Christian CEOs, also sees a deeper freedom in relinquishing power. I asked him what has changed about his developing sense of vocation in his 60s. “Ah, that’s simple,” he said. “It’s not about me anymore.” He says he’s now content to simply work for the success of others.

From “Old” to Eldership

Rather than buy into a culture that sees old age as a problem to be solved (think of “anti-aging cream”), a new generation of older Americans is embracing aging as a “crown of dignity,” wrinkles and all (Proverbs 16:31).

Far from being an insult, the term “elder”was once associated with wisdom, character, and leadership ability, the assumed fruit of experience and age. “Stand up in the presence of the aged,” says Leviticus (19:32). The term elder (zaqen) is used in the Old Testament as an indication of one’s nobility. The elder taught wisdom at the city gate, the ancient place for public dialogue (Job 32:6–10). Cicero, the great Roman statesman, once wrote, “The crowning grace of old age is influence.”

In that spirit, rather than retreat to retirement communities, more Boomers are seeing that retirement can be a season of unique influence. After a full career as a boutique hotelier, Chip Conley was tapped by the young founders of Airbnb to help grow the company into a hospitality giant. Though he didn’t know how to code and he was reporting to a CEO his son’s age, he embraced his role as a modern elder and blended curiosity with intergenerational friendship to shepherd the young company toward global growth.

Though flexible work arrangement for older Americans are often hard to come by, roles for mentoring are not. Harvard sociologist Robert Putnam, who has written eloquently about the growing opportunity gap in America, says, “If America’s religious communities were to become seized of the immorality of the opportunity gap, mentoring is one of the ways in which they could make an immediate impact.”

From Independence to Intergenerational Living

Greg Gast is the vice president of human resources at Hudson River HealthCare, Inc., in Peekskill, New York. Greg and his wife, Nancy, decided to make a bold move and experiment with sharing a house with their oldest daughter, her husband, and their three children. Greg and Nancy take the second floor of the 5,000-square-foot house, while their children and grandchildren take the basement, leaving the main floor as a common area.

Gast says there are distinct advantages to sharing a home: They share the same cable bill, lawnmower, and coffeepot. Sharing a mortgage also helps everyone’s budget. But there are also challenges: Privacy concerns and occasional interpersonal clashes rise to the surface. “We’ve gotten better at communication,” Gast says about their relationship with their daughter and son-in-law. “It’s greatly helped to define our boundaries.”

Intergenerational living is not always easy. But it presents an opportunity for the American church to express love and honor toward retiring parents, many of whom are facing unexpected financial challenges.

From World-Changers to Simple Servants

Susan Cole is a 56-year-old music educator who taught elementary students for more than two decades. But she suffered from fibromyalgia, and the long, high-energy days had taken their toll on her health. “It was a hard decision for me,” she said. “I felt like the job both tore me down and built me up.” She decided to continue working part-time as a piano teacher at a local music school.

Just after Cole’s retirement, her mother broke her femur and her son had a relapse with alcohol addiction. “My availability was totally a God thing,” she recalls. “He was calling me to both care for my students and my family in this season. I was needed here. But I don’t ever see myself giving up teaching.”

A new generation of Boomers are opting less for civic heroism or overseas mission assignments and instead choosing for a lifetime of humble service, in both paid and unpaid roles, right where they are.

A Scent of Resurrection

Dwight L. Moody once said, “Preparation for old age should not begin later than one’s teens. A life which is empty of purpose until 65 will not suddenly become filled on retirement.” Though that’s true, a new generation of older Americans see retirement as a contemporary social construct that affords them the opportunity to re-explore their God-given purpose for a new season of life.

Gary VanderArk is a not-so-retired physician living in south Denver. In his late 70s, he continues to teach medical students at the University of Colorado Anschutz Medical Center, serve on nearly a dozen nonprofit boards, and bike almost 20 miles a day. VanderArk was also the founder of Doctors Care, a nonprofit that has helped thousands of Colorado’s medically underserved.

With his white hair, slender fingers, and frail voice, VanderArk may seem “old.” But when you speak with him, he seems almost carefree, like a child on Christmas morning. He acknowledges human frailty and death, yet keeps serving others as if death is of no concern to him. He keeps teaching and sitting on nonprofit boards not because of social duty, but instead out of sheer delight. He is quick to listen and slow to speak. His words hold genuine gravitas. He is like “the righteous flourish like the palm tree and grow like a cedar in Lebanon . . . They still bear fruit in old age; they are ever full of sap and green” (Ps. 92:12–14).

Not all the questions about retirement have easy answers for the nearly 78 million Baby Boomers who are facing it. But many older Christians across the developed world are embracing not a vacation mentality, world-changer ethos, or grudging burden of working later in life. They are simply being ever renewed, and continue to serve God and neighbor as elders in their spheres of influence (2 Corinthians 4:16).

Retirement needs a new story. Or better yet, a very old story. J

This first appeared in the March 2019 issue of Christianity Today. It is an adapted excerpt from my forthcoming book An Uncommon Guide to Retirement: Finding God’s Purpose for the Next Season of Life (Moody, May 2019).

Business Economy Work

Faith and Entrepreneurship

August 9, 2018

Two weeks ago I shared with our newly formed “Entrepreneur’s Forum,” a quarterly gathering of founders and early stage investors in the Denver area. The topic was faith and entrepreneurship, and I laid out what I thought were three starting points for thinking about entrepreneurship as a Christian: Creation, Fall, and the Great Commandment.

Here’s the audio. Eventually, the audio and the Powerpoint will be available on our new learning platform at Scatter.org.

Enjoy.

Work

Can I Really Change? Formation in the 5280 Fellowship

April 19, 2018

Tonight is the final information session for the 2018-19 class of the 5280 Fellowship, the flagship program of Denver Institute for Faith & Work. As the application period closes on April 30, I thought I’d re-post this article I wrote last year on the underlying philosophy of the 5280 Fellowship, along with some new pictures from this year’s class of Fellows. If you’re longing for meaning and a deeper sense of purpose in your work, I’d encourage you to apply an explore if the program is right for you.

How do we change?

I’m 34 years old, have four kids, and have been in the workforce for 9 years. And for me, there is no more pressing question in my life today than How do I change?

In the past three years, the stress of leading a growing organization, trying to be a good father, and accomplishing my professional goals has exposed, well, cracks in the foundation of my character. My precious wife has been so patient with me as I stumble, fall, and get up again – only to find myself back where I started.

As I’ve spoken with peers about their lives, careers, and relationships – especially young professionals in Denver and Boulder – I’ve seen common traits among many of us:

We’re around people and “social networks” all the time, but we feel lonely, and not deeply known by others. It’s the great irony of a social media age. More noise, but less deep relationships.
In our careers we’ve gotten good at a technical skill for which we were trained in school, like drawing construction plans, scheduling conferences or planning lessons. But we wonder: what about the broader city we live in? Who else is out there like me? How can I go from a microscope (knowing lots about a little) to a telescope (seeing a bigger picture)? Might my career or work be a part of something bigger than just my success?
In the drive to get things done and accomplish more in a shorter amount of time, I feel like my relationships, my knowledge of myself, and my relationship with God isn’t what I want it to be. I long to live a deep spiritual life, but most days I find this baffling. I need help. Lots of it.
Only 33% of Americans are engaged with their work. Most show up, do a job, get a paycheck – and would rather be somewhere else. And even for those third that are “highly engaged,” there’s an uncomfortableness, especially in Colorado, with those who make their careers everything, and forget about family, friends, neighbors, recreation, or the needs of others. Is there a way to be engaged, but not make work an idol?

In the last three years, I’ve felt each of these feeling acutely. Changing any of these seems daunting for me. Yet what’s interesting to me is that in the first year of the Fellows program at Denver Institute, I’ve seen what looks to me like genuine change in the lives of 27 men and women.

Grant Stone, a banker, shares about a broadening perspective on the financial industry, and what it means for his future career decisions
Candice Whiteley, a vice principal, shares about the value of a community deeply committed to God, a deeper knowledge of ourselves, and our world
Banks Benitez, an entrepreneur, shares about a renewed perspective of God that even sees Him at work at a car wash employing autistic men and women
Rachel Moran, a law professor, shares about no longer feeling alone as she endeavors to live out her Christian life at a secular university
My friend Hunter Beaumont, lead pastor at Fellowship Denver church, has said, “This program is having a transformative impact on the culture of my church.”
Paul Frank, who works at a healthcare supply chain management company, said to me recently, “When I started the Fellowship, I hated by job. I had been in a tech company for over a decade – was something wrong with me? But one night, after doing a “vocational power assessment,” somebody in my cohort said: ‘Look, you have incredible vocational power as one of the most senior employees in your company. Maybe God put you there for a reason.’ I now see my work as an incredible opportunity to mentor and serve.”

Why is this? Where is this change coming from?

When I designed the program, to be honest, I kind of had a chip on my shoulder about my previous educational experiences. I loved reading and ideas, but I couldn’t stand reading 500 pages of a boring book, writing a paper about an esoteric topic, or listening to professors lecture for hours without ever asking what I thought. I also developed an affinity for older books (and shorter ones!) that had stood the test of time. Better to build my life on the great ideas and traditions of the past than the latest fad that had become popular in the academy.

In my years after graduate school, I also came to value the primacy of learning from people: people who are further along in their careers, people who have had different training than I have, people who are influencing key conversations across different sectors in our city. Jesus wrote nothing, but he instead gave us his church, a group or people. I could now see why. People were just as important “texts” as were books. And through the Holy Spirit, God actually lives in people. Moreover, as I grew in my career, I saw myself imitating leaders I knew, and putting into practice what they were feeling and doing, far before I understood the concepts behind their actions.

I also began the incredibly hard process of self-knowledge. Only in the past several years have I really started to plunge deeply into how I react in stressful situations, how I come off in front of others, why I feel energized or exhausted, and the impact my own emotions have on everyone around me.

The Fellows program has been designed for those of us in our careers who long for a deeper change that technical training can’t provide. We built in elements into the program that take into consideration the breadth of what human being is. We are relational, social, physical, emotional, intellectual, habitual creatures who are environmentally-shaped, embedded in culture, and designed for work, for others, and for God.

So what does that mean? In the 5280 Fellowship, in means:

The relational and emotional context formed by the cohort of Fellows is the core of the program. God is relationship – and we grow only by first opting into a community and commits itself to a set of habits, like spiritual reading, work, discussion, prayer, vulnerability, and learning from others.
The community is designed around values of theological thinking, redemptive relationships, creating good work, deep spiritual health and sacrificial service. The unspoken values the community holds at the outset of the program shape the environment even before we’ve begun the formal program.
We strive to cultivate a deeper knowledge of God on two levels: (1) his revelation through Scripture and his church through reading great authors on topics like biblical worldview & mission, calling, theology work, Christ and culture. (2) We cultivate a direct knowledge of God, the living Person, through practicing the classical spiritual disciplines.
We set the context for a deeper knowledge of ourselves through a coaching process that includes an EQi assessment, 360 interviews, sharing our stories with the cohort, and evaluating our vocational gifting and power.
We set the table for a deeper knowledge of our culture by understanding issues through eyes of leaders actually shaping and forming those issues through their work.
We intentionally build diverse cohorts and expose our Fellows to a broad network of leaders in the city because we believe learning directly from other’s experiences is deeply transformative on a cognitive, relational, spiritual, professional and civic level. Experiences like the 5280 Fellowship are often catalyst experiences that open new opportunities, new perspectives, and new relationships across churches and sectors.
The program also requires a professional project and a personal development project. Leadership development programs that are all about papers and lectures – but don’t have the teeth of real world projects that will influence real people – are not effective. Conversely, applying your theology to real work contexts and serving real needs, from psychiatry to urban planning to corporate management, is both professionally impactful and is good for the workplaces, communities, industries and cultures we live in.

Tough thing about the program: it’s a big commitment over nine months. And it’s only for those who are serious about change. But here’s the truth: technology is fast, but character formation is slow. And we can’t do it alone. We need each other.

As I was interviewing two of our senior leaders last month during a Saturday teaching session, I closed the session, and looked up to our Fellows and said, “I just want to say one thing. Seven months ago you were strangers – but I now call you my friends. I genuinely love being a part of this community. Thank you. I needed it.”

Change seems impossible to me most days. But as we near Easter week and I take a look at the empty cross and the light-filled tomb – and the growing community of faith in the metro area – I’m filled with hope.

If you’re interested in learning more about the 5280 Fellowship, fill out the form at the bottom of the 5280 Fellowship page or reach out to me personally. We accept applications for the Class of 2018-19 through April 30, 2018.