Don’t be in a hurry to retire.  Some of the most miserable people are the ones who spent their working years longing to retire early.  Then, when they do retire—it’s a bore!  Working longer can improve retirement years in a number of ways. First, you remain productive and relevant longer. Second, instead of spending your retirement savings, you earn more money to draw on after you do retire. Third, there’s less chance that you will run out of money at a time in life when you really are too old (or, ill) to go back to work.

Of course this list could go on.  But my point is a simple and important one.  Far too many people fail to enjoy the moment because they spend their lives reaching for the brass ring just beyond their finger tips.  Life is a big, juicy apple.  Appreciate each bite to its fullest.  Remember this: most peoples’ lives are no more fun after retirement than they were before retirement. Make the moments count!

Steve Diggs presents the No Debt No Sweat! Christian Money Management Seminar at churches and other venues nationwide. Visit Steve on the Web at or call 615-834-3063. The author of several books, today Steve serves as a minister for the Antioch Church of Christ in Nashville. For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four children whom they have home schooled. The family lives in Brentwood, Tennessee.

A complete financial compendium, 19 chapters
• What you can do today to get out of debt and kill the Debt Monster
• A,B,C's of handling your money God's way
• How to save, invest, and retire wisely
• How mutual funds work
• How to stop fighting over money
• What to teach your kids about money
• Learn how home & car buying, college financing and insurance work.
• How to develop a budget that works -- forever!
• Features simple charts, graphs, and easy-to-use forms.

Click here to learn more or to order.