College & retirement

Gosh, I feel old. We just got back from the bank where we talked to the banker about setting up a college fund for J5 and retirement funds for us. We’ve got enough time to get it started, but wow. I feel like I should have been investing for the future for many years now…

I guess the way I grew up was that Jesus was probably going to return before I became an adult, so we wouldn’t have to worry about things like retirement. Is it an un-Christian thing to save and invest money for the future? Where does tithe fit in? Does it matter whether it goes to a formal church fund or can it go to any charitable organization?

I haven’t been an active SDA for a long time. I’ve attended CCC off and on for several years. Will be going again tomorrow with a friend. I think I’ll be glad to go back.

Is tithe discretionary?