Gilbert Wealth Articles

What Does the Bible Say About Retirement? A Biblical Perspective on Aging and Purpose

Retirement, in the modern sense, is a relatively new concept—stepping away from paid work to spend your later years in leisure. The Bible doesn’t speak directly about retirement the way we do today. There are no verses that lay out a formal age to stop working, no discussions about pension plans or travel goals. And yet, Scripture speaks profoundly to what it means to grow older, to transition into a new season, and to live each remaining day with purpose.

You may have finished the rat race—early mornings, long meetings, pressing deadlines. But if you’re reading this, you haven’t finished THE RACE.

Paul, writing near the end of his life, declared with confidence:

“I have fought the good fight, I have finished the race, I have kept the faith.” (2 Timothy 4:7)

Those words are not simply a reflection on a life well lived—they’re a calling to everyone still running. If your heart is still beating, your story is still being written. And your calling is not over.

Scripture paints a picture of aging not as a slow fading out, but as a time of continuing fruitfulness. The psalmist writes,

“They will still bear fruit in old age, they will stay fresh and green.” (Psalm 92:14)

Growing older in God’s eyes doesn’t disqualify you from usefulness—it qualifies you in new ways. You carry the experience and stories of decades long relationships and life experiences. You’ve seen God’s faithfulness through hardship, change, disappointment, and redemption. Those are treasures not meant to be hidden but shared.

“We will not hide them from their children; we will tell the next generation the praiseworthy deeds of the Lord, his power, and the wonders he has done.” (Psalm 78:4)

And that is one of your most important tasks in this season: to be a faithful witness to the next generation. While others may slow down, you have the opportunity to step in—gently, wisely, and full of grace. There are younger men and women trying to figure out how to follow Jesus in a loud, confusing world. Your quiet presence, your faithfulness in marriage, your stories of trust and failure and God’s mercy may be exactly what they need.

Paul’s instruction to Titus still rings true today:

“Teach the older men to be temperate, worthy of respect… Likewise, teach the older women to be reverent in the way they live… Then they can urge the younger women…” (Titus 2:2–5)

The passing down of wisdom isn’t optional in the kingdom of God—it’s foundational.

But even beyond mentoring, your time still matters. Retirement from a job does not mean retirement from God’s work. In fact, it might give you more freedom than ever before to serve where you’re most gifted. You may find that what once felt like the margins of your life—encouraging others, praying faithfully, visiting the sick, serving behind the scenes—now becomes the center.

Of course, retirement comes with its temptations. After a life of hard work, it’s easy to let the years become increasingly self-focused. But freedom, as Scripture reminds us, is not the same as self-indulgence:

“You, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh; rather, serve one another humbly in love.” (Galatians 5:13)

God calls us to finish strong—not necessarily in pace, but in faithfulness. Your days may look different than they once did, but they are still meant to be numbered, offered, and filled with purpose:

“Teach us to number our days, that we may gain a heart of wisdom.” (Psalm 90:12)
“Never be lacking in zeal, but keep your spiritual fervor, serving the Lord.” (Romans 12:11)

The finish line is ahead. It may be far away yet or it may be nearer. But the final stretch matters deeply. How you live these years will echo in eternity—not only for you, but for those you influence.

And when the race truly is done, may your testimony be like Paul’s—not simply that you stopped working, or traveled widely, or finally relaxed—but that you kept the faith. That you lived with intentionality. That you encouraged the weary. That you told the next generation about the wonders of God.

Until then, keep running.

 

A Simple Prayer for Your Retirement

Lord – thank You for this new season. Help me to use my time for Your glory, to serve others with love, and to finish the race faithfully. Keep me fruitful, joyful, and close to You. Amen.

How to Keep Running the Race

  • Volunteer regularly at your church, local food pantry, or nonprofit.
  • Start or lead a prayer ministry—commit to praying for others and let them know you’re praying for them.
  • Offer hospitality—host people for meals, coffee, or small groups, using your home as a ministry tool.
  • Join or lead a Bible study, especially if you have wisdom to share or encouragement to give.
  • Continue learning—read Scripture deeply, study theology, or take online Bible classes to grow and pour into others.
  • Reframe leisure: Instead of thinking “I earned this,” consider “How can I enjoy this as worship?”
  • Take on part-time or seasonal work that supports a mission—at a Christian bookstore, church admin office, or Christian school.
  • Use your skills pro bono—help small ministries with bookkeeping, repairs, marketing, etc.
  • Create a schedule that includes daily service, prayer, and outreach time—view your calendar as a spiritual tool.
  • Seek out a younger people to mentor—intentionally meet to talk about life, marriage, parenting, or faith.
  • Write your testimony and share it with your children and grandchildren.
  • Record or write a spiritual legacy journal, including answered prayers, favorite verses, and life lessons.
  • Volunteer in youth ministry—even just to greet students or pray over them during events.
  • Be present at church gatherings where young people are—your presence alone is a powerful message.
  • Commit to morning devotions—start each day asking God how He wants to use you.
  • Do a “time audit” for a week and see how much time is spent on eternal vs. temporal things.
  • Ask your church leadership where the greatest needs are and make yourself available.
  • Fast from entertainment occasionally to focus on prayer and discernment.

The Closest Example of Retirement in the Bible

There is one notable mention of age-based retirement-like time in the Bible found in the book of Numbers relating to the Levites.

In Numbers 8:23–26, God instructed that Levites were to serve in the tabernacle from age 25 to 50. After 50, they were no longer required to perform the labor-intensive duties of the tabernacle—but they weren’t put out to pasture:

“They may assist their brothers in performing their duties at the tent of meeting, but they themselves must not do the work.” (Numbers 8:26)

So while they retired from formal service, they didn’t stop being useful. They transitioned from doing the work themselves to supporting others who did. They mentored, assisted, advised, and encouraged.

It’s a beautiful picture of biblical aging: stepping back from physically demanding work, but remaining spiritually and communally engaged. In many ways, it mirrors what Paul would later call the older believers to do in the early church—come alongside, teach, and pass on wisdom.

Steven Gilbert

Steven Gilbert CFP® is the owner and founder of Gilbert Wealth LLC, a financial planning firm located in Fort Wayne, Indiana serving clients locally and nationally. A fixed fee financial planning firm, Gilbert Wealth helps clients optimize their financial strategies to achieve their most important goals through comprehensive advice and unbiased structure.