Steven Garofalo
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WILL YOU BURN OUT OR RUST OUT? A Biblical Model For Retirement
By Steven Garofalo, April 20, 2023 (Copyright 2023)
April 20, 2023

A BIBLICALWhat do you plan to do in God’s service with the freedom and time of retirement once you have it? Will you serve God or self? The choice is yours as it is mine. As crazy as the times seem, there is an exciting mission to be accomplished in the present and into your older years-if God gives your and I those years. The elephant in the room is one simple question.  Will you burn out or rust out?

I befriended a Jamaican man who was born in Jamaica over ten years ago. He was from the same part of the Washington D.C. area as I was so had some commonalities. Politically speaking, we were about as opposite as they come on most issues, but we were friends because we respected one another’s political beliefs and held a common bond regarding respect and decency for one another regarding how we see right and wrong. One day this man and I were speaking when he said to me, “Steve, I don’t understand American retirement”. Only in America do people retire on pensions and other wise in such large numbers.” His mother had a pension from the Federal government by the way. And then he went on to say something that stuck with me to this day. He said, “Steve, in my country (Jamaica), it’s not uncommon to see an 80 year old man ride his bicycle to work each day. He won’t work a long laborious day, but he goes to work each day”.

When I look around the world, what I see is a Western, and certainly an American sense of entitlement. I concluded that this is some kind of malformed misconception of retirement that leads to the same Davidic mess that King David got into with Bathsheba due to the simple element of idol living and relaxation with out mission. I searched the Bible and can find a single example or even the concept of retirement. When I look around the world, retirement is not a concept available to most outside of the most wealthy in society.

As I was reading in my Bible this morning, I ran across a passage that tells us something about God’s idea of retirement in light of the life of Moses and Aaron. To put what we are about to share with you in its proper perspective, I want to clarify that I am not putting down the ability to retire-only what we do with our time once we have retired. In America, I do have a serious concern about government retirement plans that are 90% or more unfounded-due to be paid for on the backs of our children and grand children. Most all of the 550 plus government pensions in the United States alone  are not made up of money saved by the individual or any literal savings, but are based on profit projections in stock market-where there actual pension plans reside. In other words, those pensions are based on a gamble or premise that the stock market stays in tact and profitable. Sadly, in most cases, government pensions are not paid for by money or investments but on the backs of our children and grand children through high taxation. In either case, I see both as unwise and immoral on behalf of the keepers of those funds. What happens is the stock market fails? What happens if the young people leave the country-as is the case in many European countries, to find a better place to live with lower taxes? To look at what proper view of retirement is, we must turn to God’s word to see retirement from a biblical perspective.

Part of the answer can be found in Exodus, whereby Moses and Aaron go before Pharaoh at God’s command to tell Pharaoh to let His people, the Israelites go to worship God in the wilderness for three days. Keep in mind two things. First, Moses and Aaron were living out their God given mission into their 80’s. They could have kicked back and relaxed but they didn’t. Instead, they worked hard up until they were called home to be with the Lord. Moses died at 120 years old. His life can be considered tragically premature, because it came before completing his life mission to reach the Promise Land. Despite the fact, Moses and Aaron had no retirement plans in mind and worked into their older years. Please read the following passage.

“7 And the Lord said to Moses, “See, I have made you like God to Pharaoh, and your brother Aaron shall be your prophet. You shall speak all that I command you, and your brother Aaron shall tell Pharaoh to let the people of Israel go out of his land. But I will harden Pharaoh's heart, and though I multiply my signs and wonders in the land of Egypt, Pharaoh will not listen to you. Then I will lay my hand on Egypt and bring my hosts, my people the children of Israel, out of the land of Egypt by great acts of judgment. The Egyptians shall know that I am the Lord, when I stretch out my hand against Egypt and bring out the people of Israel from among them.” Moses and Aaron did so; they did just as the Lord commanded them. Now Moses was eighty years old, and Aaron eighty-three years old, when they spoke to Pharaoh (Exodus 7:1-7 ESV).”

Moses and Aaron obeyed the Lord. The ages of these two major biblical figures are given by God for a reason. Moses was 80 and Aaron was 83. This is important because often in the Old Testament the age of a prominent figure is given when a major even was about to occur such as Genesis 16:16 whereby, “Abraham was eighty-six years old when Hagar bore Ishmael to Abram”. After 40 years in the wilderness wondering Moses died at age 120 (Duet. 34:7) and Aaron at 123 years of age (Numbers 33:38-39).

In a sense, these men had lived a lifetime of service to God up until 80 and 83 years of age (Psalm 90:10)-before their principal life work had even begun! Moses was to lead the nation of Israel for another forty years before he died (Duet. 29:5; 31:2; 34:5). Aaron died in the same year as his younger brother, at the age of 123 (Numbers 20:22-29; 33:38-39).

Now for what this means for you and I. I would ask you to pause just a minutes and read this passage for yourself and think about the concept of retirement for yourself. My teacher and mentor of 19 years, Dr. Norman Geisler once told me, “Steve, I will burn out, not rust out”. When Dr. Geisler passed away in his mid-80’s, I was speaking a friend who lives in the State of Tennessee. She told me that just a few weeks before his passing, that he had been out to her church to speak. He wasn’t as spry as he once was, but he showed up to fulfill the important mission God had given him during his shore 80+years on this earth.

Having said all of this, some of us reading this today have a pension or the financial means to retire now or in the future. Good for that. The point is not to criticize retirement but to look at what we plan to do in God’s service with that freedom and time once we have it. Will we serve God or self? The choice is yours as it is mine. As crazy as the times may seem, God has an exciting mission for you to be accomplished in the present and into your older years-if God gives you those years. The elephant in the room is one simple question.  Will you burn out or rust out?

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This is an exclusive video for my community. We should all be very encouraged as God has protected us as Christians to live out and share the Gospel another day. That said, the two greatest cities in Western Judeo-Christian history are London and New York City-both of which are now under the control of radical Islamists. That said, God is at the helm but we are His servants for good. "For the one in authority is God's servant of your good. But if you do wrong, be afraid, for rulers do not bear the sword for no reason. They are God's servants, agents of wrath to bring punishment on the wrongdoer." (Romans 13:4 NIV).

It's time for all of us to get off the bench and into the game. Please consider me a resource as my Masters degree in Apologetics was completed with an Emphasis on Islamic Studies. I would encourage you to have me speak at your school, church, Bible study or Sunday school class. Simple click on the LINK below to schedule a call with me and have a biblically blessed day-Steven...

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We live in difficult times in trying times full of suffering. The secret to pushing through and overcoming suffering is to persevere. In today's episode Steven is going to take us through the Word of God, focussing on the Apostle Paul's words regarding why, how and when to persevere through trials and times of suffering. Tune in and if you like-take notes. Thank you for tuning in and let's get started!

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GIVE WHAT IS OWED
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*GIVE WHAT IS OWED*
Romans 13:5–7 (NIV)
“_Therefore, it is necessary to submit to the authorities, not only because of possible punishment but also as a matter of conscience. This is also why you pay taxes, for the authorities are God's servants, who give their full time to governing. Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor._”

*BACKGROUND/CONTEXT*
Beginning in Romans 12, Paul shifted his message from explaining the theology of the gospel to describing how the gospel should transform our lives and how we should live as believers. 

In Romans 12, believers are called to become “living sacrifices,” marked by humility, love, peace, and overcoming evil with good. Then in Romans 13:1-4, which we studied yesterday, Paul applied these principles to the Christian’s relationship with governing authorities. He explained that government is part of God’s “ordering of society” and that believers should live respectfully and peacefully within the nations where God has placed them.

Today, Paul continues this teaching by moving from the general principle of submission to practical examples of Christian conduct within society. 

*SUBMISSION AND CONSCIENCE*
_Therefore, it is necessary to submit to the authorities, not only because of possible punishment but also as a matter of conscience_

In yesterday’s study, Paul focused on our external submission to governing authorities. However, in today’s study, he moves to our inward motivation. As Christians, we are not only to obey authorities because we fear punishment, but because we understand that honoring lawful authority is part of living faithfully before God. In other words, submission is not simply about avoiding consequences; it is also about maintaining a clear conscience before the Lord.

The word “conscience” (_syneidēsis_) refers to our inner moral awareness, our God-given understanding of right and wrong. For believers, our conscience is shaped by the Holy Spirit and the truth of God’s Word. Paul’s point is that we as Christians should want to do what is right - not because we are forced to, but because our hearts have been transformed by Christ.

This same idea appears in 1 Peter 2:15, where Peter writes: “_For it is God’s will that by doing good you should silence the ignorant talk of foolish people._” Christians should be known as people of integrity whose conduct reflects their faith even when no one is watching.

In a culture that often celebrates rebellion, outrage, and hostility toward authority, we are called to demonstrate humility, wisdom, self-control, and peaceful living. Our goal is not to win political arguments, but to live with a clear conscience and a faithful witness before both God and the world.

*PAYING TAXES AND SERVING SOCIETY*
_This is also why you pay taxes, for the authorities are God's servants, who give their full time to governing_

Paul now moves from the principle of submission to a practical example: paying taxes. In the Roman world, taxes were unpopular and burdensome, just as they are for many people today. Yet Paul teaches that Christians should willingly pay those taxes they owe. This is because government, despite its faults, serves an important role in maintaining order within society.

Again, Paul describes governing authorities as “God’s servants.” This time he uses the Greek word (_leitourgos_), which is normally used for public service or even priestly ministry. Paul’s point is not that rulers are spiritually righteous, but that God can use civil authorities to accomplish His purposes, especially in maintaining order, protecting people, and carrying out justice.

Jesus Himself addressed this issue when questioned about paying taxes to Caesar, in Matthew 22:21, he replied to the Jewish leaders:  _“Give back to Caesar what is Caesar’s, and to God what is God’s._” Jesus acknowledged the legitimate role of earthly government while also reminding us that our ultimate allegiance belongs to God alone. Governments may receive taxes, but our worship, identity, and devotion belong only to God.

For Christians, paying taxes and obeying laws are a part of living honorably before God. Believers should be known as people of integrity who contribute to society rather than constantly resisting or exploiting it. Remember, every earthly kingdom is only temporary compared to the eternal rule of Christ.

*GIVE WHAT IS OWED*
_If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor_

Paul concludes this section with four commands summarizing how Christians should live responsibly within our society. Believers are to “_give what is owed_” to those in authority. This includes not only financial obligations, but also the attitudes we show toward people.

*First: “_if you owe taxes, pay taxes._”* The word used here refers primarily to direct taxes such as land or personal taxes. Christians are not to avoid their civic responsibilities simply because they dislike the government or disagree with its policies.

*Second: “_if revenue, then revenue._”* This refers more to indirect taxes such as customs duties or tolls placed on goods and commerce. In essence, Paul is saying believers should conduct themselves honestly in all areas of public life and business.

*Third: “_if respect, then respect._”* The word “respect” carries the idea of reverence or proper regard for authority. Christians may strongly disagree with leaders or policies, but Scripture calls believers to avoid contempt, slander, and dishonor. “_Show proper respect to everyone, love the family of believers, fear God, honor the emperor._” 1 Pet 2:17.

*Fourth: “_if honor, then honor.”_* Honor means recognizing the position and responsibility that authorities hold. This does not mean treating leaders as moral superior, or worthy of homage. Rather, Christians acknowledge that authority itself is part of God’s ordering of society.

In many ways, these commands summarize Christian citizenship. We are called to display a different spirit, one that reflects the character of Christ and points people toward His kingdom. 

*APPLICATION*
One of the greatest testimonies that we as Christians can give to the world is not what we say, but how we live. If we do not live the faith we proclaim, no one will listen to our words. Paul reminds believers that submission, honesty, respect, and integrity are all part of our witness to Christ. Christians should never be known for being dishonest, hateful, rebellious, or constantly outraged people. Instead, we should be known for our Christlike behavior and doing what is right even when it is difficult.

This does not mean we always agree with our governments or approve of the decisions leaders make. But it does mean that our conduct should always reflect the character of Christ. The world is watching how Christians speak, behave, work, pay what they owe, treat others, and respond to authority.

John Stott once wrote: “The greatest hindrance to the advance of the gospel worldwide is the failure of the lives of God’s people.” This is a critical point. The gospel is always hindered when Christians proclaim Christ with their lips but dishonor Him through their conduct.

So, guard your witness carefully. Guard your speech, your attitude, your honesty, and your humility. Ask yourself: Do my words online reflect Christ? Does the way I speak about leaders reflect the Spirit of Jesus? Am I known more for outrage or for integrity? As followers of Christ, we are called to live in such a way that people see not merely our opinions, but the love and character of Christ Himself shining through us.

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WHEN WE ARE WEEK-WE ARE REALLY AT OUR STRONGEST

WHEN WE ARE WEEK-WE ARE REALLY AT OUR STRONGEST

By Steven Garofalo May 1, 2026

While each one of us enters the new week differently and at different stages of life, I’m reminded how temporal life is and how or present, difficult times are really when we are the strongest. Paul says in 2 Corinthians 12:7-10 “So, to keep me from becoming conceited because of the surpassing greatness of the revelations, a thorn was given me in the flesh, a messenger of Satan to harass me, to keep me from becoming conceited. Three times I pleaded with the Lord about this, that it should leave me. But he said to me, “My grace is sufficient for you, for my power is made perfect in weakness.” Therefore, I will boast all the more gladly of my weaknesses, so that the power of Christ may rest upon me. For the sake of Christ, then, I am content with weaknesses, insults, hardships, persecutions, and calamities. For when I am weak, then I am strong.” A thorn was given to Paul, and I believe perhaps to most if not all of us. With Paul, this seems to have been some recurrent physical affliction. Perhaps a migraine headache, malaria, or epilepsy as many have suggested. Only God knows.  

Most importantly, Paul saw this as the work of Satan, permitted by God for a good purpose (keeping him humble). It could not be relieved through prayer in Paul’s case (v.8). But Paul makes clear in v.9 that “the power of Christ in him was more important than freedom from pain”. Paul makes clear that having to boast and defend himself made him feel foolish. It seems that everyone could see the thorn Paul suffered from-it was no secret. Some among the Corinthian Christians probably thought less of Paul because of his torn in the flesh, but they had known nothing of the amazing spiritual experience that lay behind it. The thorn, Paul said was bad used for good, as the New King James says, “a messenger of Satan”. God allowed Satan’s messenger to successfully keep Paul from becoming exhaled above measure…in his own eyes and that of others. Boy, how this hits home with most of us. Our failures are really chisel marks in our clay and mental makeup so that the Lord can use us “authentically”. 

This goes strongly against “numbers” as our barometer of success in our modern world. How many were saved, how many downloads, how many views and likes. What a joke-this is harmful if taken as success. Success is made one on one through each believer to others. And when we get too big for our own self, God will send a thorn. Whether that thorn is temporary or permanent, that’s up to Him not us. Either way, it is for our own ultimate good in both the temporal and eternal spectrum. 

Reflecting in all of this makes me think about the state of the church, Christianity, the United States, and the world. My conclusion is that we are all out of wack to some degree…some more than others. And as such, God is recalibrating us. There is no going back to the way things used to be. My mom is 90 years old and has a difficult time with this …understandably. But the Great Generation of World War2 was changed forever by war, Great Depression. And it left a thorn in their side. But then came the 1950’s. Good times came back. But things were different forever. And the thorn in many if not most all families and homes re: the loss of a lost one and the emotional and mental scars of war quietly lived in…the loss of children, husbands, friends and the like was a thorn fie that generation. Hence why they were serious and very matter of fact.  

 Suffering is real. Through Paul’s infirmities God made him completely dependent, but his continued-even forced-dependence upon God made him s thronged Paul did not resign himself to his fate; he welcomed it. He rejoiced that he could say, “WHEN I AM WEAK, THEN I AM STRONG”. “I am content with weaknesses, insults, hardships, persecutions, and calamities. For when I am weak, THEN I am strong-Apostle Paul. This is not a one-day way of thinking, acting and being-it is how we chose to live our life-dependent on God or independent of His will for our lives. Calamities come to all. It is how we view, accept, and embrace them. Which will you choose?

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FROM SADNESS TO PERSEVERANCE
Living A Life Of Hope!

Apostle Paul viewed perseverance as a vital, Holy Spirit-empowered endurance of suffering, fueled by hope, calling, and the promise of eternal glory. He taught that trials develop character and hope (Romans 5:3-4), encouraging believers to not grow weary in doing good and to finish their faith "race".

Key Themes of Paul’s Teaching on Perseverance:Suffering Produces Character: Paul writes in Romans 5:3-4 that suffering leads to endurance (perseverance), which builds character and ultimately produces hope. Empowered by Grace: True perseverance is not self-striving but reliance on God’s power, as Paul notes in 1 Corinthians 15:10 that he labored harder than others, yet it was "the grace of God" within him. The "Race" Metaphor: Paul frequently used athletic metaphors, stating he "fought the good fight" and "finished the race" (2 Timothy 4:7), encouraging believers to remain steadfast to the end. Focus on Eternity: In 2 Corinthians 4:17-18, he encourages believers to look beyond temporary struggles to an "eternal weight of glory".

Joy in Trials: Paul modeled finding joy in suffering (Romans 5:3) and maintaining a mindset that trials are merely temporary, as shown in his letter to the Philippians.Key Verses on Perseverance by Paul:Romans 12:12: "Be joyful in hope, patient in affliction, faithful in prayer."Galatians 6:9: "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up. "2 Thessalonians 3:5: "May the Lord direct your hearts into God’s love and Christ’s perseverance."2 Timothy 4:7:  "I have fought the good fight, I have finished the race, I have kept the faith."Pillars of Paul's Own Perseverance:Paul’s endurance was built on a firm conviction of his calling, a reliance on divine strength rather than human ability, and a focus on the reward of Christ, often prioritizing these over his own physical safety.

So I ask you..how you see perseverance in today’s crazy world? Are you willing to take the Sceipturel challenge to suffer in order to build character before the Lord daises you up to even higher levels of service, joy and blessing according to how much you and I can handle without letting success, lower and wealth get the best of us? Think about that-pray about that…

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