Many pastors assume retirement will be their greatest financial challenge. But for many ministers, the most financially vulnerable moment comes during an unexpected ministry transition. When a pastor lives in a church parsonage, losing a position can also mean losing housing at the same time.

Most pastors assume their church is contributing to their retirement until they find out it’s not. For many who’ve only worked in ministry, the idea of an employer match or automatic contribution is completely foreign. In this post, we’ll unpack how to start a healthy, informed conversation with your church board about retirement contributions, what’s normal in the broader workplace (typically 4–6%), and how to build a plan that honors both your calling and your future.

Most church budgets look fine on paper, but that doesn’t always mean they’re on track. In this post, we’ll unpack three often-overlooked signs that your budget may be missing the mark—along with simple questions your board can ask to bring clarity and alignment. Whether you're a pastor or board member, this is a practical guide to keeping your financial planning mission-focused.