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Affluent Christian Investor | October 22, 2017

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Most College Students Don’t Think About the Future


Students should save so that they are in the habit later in the workplace.

Giving to the Lord first, then paying themselves should become a way of life even before graduating high school. Learning to delay gratification for a future need is crucial.

In an August article at, Eric McWhinnie stated that spending less than you earn and investing the difference is the key to financial independence. I agree! Yet, most people fail to realize the benefit of starting early. In fact, only 27% of respondents in a survey at started saving in their 20s. The benefits are undeniable when observing the effects of compounding interest over several decades.

A person who starts investing at age 25 and invests for only 10 years but allows it to grow will have substantially more at age 65 than a person who invests the same amount starting at age 35. Starting early makes a tremendous difference. *

Retirement savings are growing more and more necessary because people are living longer and need to stretch those funds out over more years. Exercising the simple practice of investing early will set the Church apart from the world.

The writer of Proverbs directs us to go to the ant to learn how to prepare and gather for the future. I’ve observed the squirrels preparing for winter on my property. They instinctively work hard for the winter months ahead.

Like them, we must set the example for our children, teach them diligently, and help them reach their goals. Training our young people in frugal living and extravagant saving will impact their lives in ways we cannot even fathom.


Originally on Handwriting on the Wall.

Chuck Bentley is CEO of Crown, a non-profit business and personal finance policy and educational organization, and author of “The S.A.L.T. Plan. How to Prepare for an Economic Crisis of Biblical Proportions” and “Root of Riches, What if everything you think about money is wrong?”


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