Welcome to the Pastoral Finance Blog.
Here, you'll find practical financial insights tailored for pastors and ministry leaders. These articles are a free resource designed to help you navigate everything from tax planning to retirement, side hustles, and church financial management.
Looking for something specific? Use the search bar below to explore our library of content.
7 of the Biggest Financial Blind Spots for Pastors in Their 50s
Most pastors reach their 50s with decades of faithful ministry behind them but with growing uncertainty about their financial future. This post breaks down the seven biggest blind spots pastors overlook at this stage of life, including retirement gaps, Social Security strategy, housing allowance issues, Medicare timelines, and more. Understanding these now can change your entire next season.
Why Pastors Cannot Afford Not to Have Ongoing Financial Planning
Most pastors rely on a one-time financial plan without realizing it becomes outdated almost immediately. This post explains why ongoing financial planning matters and how it helps pastors gain clarity and confidence as their lives and ministries shift.
Understanding the 5 Buckets of a Pastor’s Financial Plan
Most pastors think about money in two simple ways: what goes out and whether there’s anything left. But good stewardship needs structure. Discover the five financial “buckets” every pastor should understand to bring order, clarity, and peace to their money.
The Retirement Mistake Most Pastors Don’t See Coming
Many pastors unknowingly sabotage their retirement by withdrawing money in the wrong order. Housing allowance, 403(b) distributions, Roth IRAs, and Social Security all interact in unique ways for clergy. Learn why a thoughtful withdrawal plan matters and how avoiding this common mistake can protect your future.
Will I Ever Be Ready to Retire?
Will I Ever Be Ready to Retire?
Retirement looks different for pastors. It’s not about escaping a job, but stepping into a new season of ministry with clarity and purpose. This post explores the spiritual, emotional, and financial questions pastors must wrestle with as they consider what retirement really means—and how to plan for it with confidence.
Read the Fine Print: What Pastors Need to Know Before Rolling Over Their 403(b)
Rolling over your church 403(b) could cost you tax benefits and more. Before you move your money, here’s what every pastor should know and ask.
Roth IRA vs. 403(b) for Ministers: Which Should You Prioritize?
Choosing between a Roth IRA and a 403(b) can be confusing for pastors. This guide breaks down what matters most like church match, tax treatment, and how to use strategies like the Backdoor Roth effectively.
How Much Should Pastors Save for Retirement? A Practical Guide for Every Season of Ministry
Many pastors wonder, “Am I saving enough for retirement?” With unique challenges like housing allowance changes and Social Security opt-outs, pastors need to plan wisely. This guide breaks down how much to save at each stage, plus practical steps to build a secure future—no matter where you're starting.
The Importance of Starting Your Retirement Savings Now
Retirement savings may feel overwhelming, but starting now\u2014even small steps\u2014can lead to financial peace and stability. Learn why saving today matters and how to take action.