Reasons People Don't Change:

• Lack of motivation. People may not be motivated to change their financial behavior because they don't see the need for change. They may be comfortable with their current financial situation, or they may not believe that they can change their behavior.
• Fear of failure. People may be afraid to change their financial behavior because they are afraid of failing. They may have tried to change their behavior in the past and failed, or they may have heard stories of other people who have failed to change their financial behavior.
• Ambivalence. People may be ambivalent about changing their financial behavior. They may see the benefits of change, but they may also see the costs of change. For example, they may want to save more money, but they may also enjoy spending money on things that they don't need.
• Habits. People's financial behavior is often habitual. They may have been spending money in a certain way for years, and it can be difficult to break those habits.
• External factors. People's financial behavior can also be influenced by external factors, such as their income, their expenses, and their personal circumstances. These factors can make it difficult to change financial behavior, even if someone is motivated to do so.

Increase Your Chances of Success:

• Set specific goals. People who want to change their financial behavior should set specific goals. For example, they might set a goal of saving a certain amount of money each month, or they might set a goal of paying off their debt within a certain period of time.
• Make a plan. Once people have set their goals, they need to make a plan to achieve them. This plan should include specific steps that people need to take, and it should also include a timeline for achieving their goals.
• Find support. People who are trying to change their financial behavior may find it helpful to find support from others. This could include talking to a financial advisor, joining a financial support group, or asking friends or family for help.
• Be patient. Changing financial behavior takes time and effort. People should not expect to see results overnight. They should be patient and persistent, and they should not give up if they have a setback.

Changing financial behavior can be challenging, but it is possible. 

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

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Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Here are some considerations about paying tithing during retirement:

·       Your income sources. In retirement, your income may come from a variety of sources, including Social Security, pensions, retirement savings, and investments. You will need to decide how you want to tithe on these different sources. Some people choose to tithe on their gross income, while others tithe on their net income after taxes. You may also want to consider tithing on the earnings from your investments, even if you have not yet withdrawn them.

·       Your financial situation. Your financial situation may also affect your decision about how much to tithe. If you are on a tight budget, you may need to adjust your tithing amount. However, if you are financially comfortable, you may want to consider increasing your tithing. Ultimately, the decision of how much to tithe is a personal one.

·       Your beliefs. Your religious beliefs will also play a role in your decision about tithing. Some people believe that tithing is a biblical mandate, while others believe that it is a personal choice. If you believe that tithing is important, you may want to continue tithing in retirement even if your income is reduced.

Here are some additional tips for tithing in retirement:

·       Talk to your financial advisor. Your financial advisor can help you determine how tithing will affect your retirement budget. They can also help you set up a tithing plan that fits your needs.

·       Be flexible. Your financial situation may change over time, so you may need to adjust your tithing amount accordingly. Be prepared to make changes as needed.

·       Don't forget the spiritual benefits. Tithing is not just about money. It is also about giving back to your community and supporting your faith. Don't forget the spiritual benefits of tithing when you are making your decision.

Ultimately, the decision of whether or not to tithe in retirement is a personal one. There is no right or wrong answer. However, by considering your income sources, your financial situation, and your religious beliefs, you can make a decision that is right for you.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Whether or not to tithe on retirement funds is a personal decision. There is no right or wrong answer, and it is important to do what feels right for you.

Some people believe that tithing is a way of showing gratitude to God for all that they have, including their retirement funds. They believe that by tithing, they are returning a portion of what God has given them.

Others believe that tithing should only be done on income that is earned while working. They believe that retirement funds are already a form of tithing, as they represent the fruits of one's labor over a lifetime.

Ultimately, the decision of whether or not to tithe on retirement funds is a personal one. 

If you are considering tithing on retirement funds, there are a few things to keep in mind.

First, you will need to decide how much you want to tithe. There is no set amount, and it is up to you to decide what you feel comfortable with.

Second, you will need to decide how you want to tithe. You can tithe directly to your church, or you can tithe to a specific ministry or cause.

Third, you will need to decide how often you want to tithe. You can tithe once a month, once a quarter, or once a year.

Here are some additional things to consider when making your decision:

• Your financial situation. If you are struggling financially, you may not be able to afford to tithe on your retirement funds. However, if you are financially stable, you may want to consider tithing a portion of your retirement funds.
• Your faith beliefs. If you believe that tithing is important, you may want to tithe on your retirement funds, even if you are financially struggling.
• Your church's policy. Some churches have a policy of requiring members to tithe on their retirement funds. If your church has such a policy, you will need to decide whether or not you want to tithe in accordance with the policy.

If you are still unsure about whether or not to tithe on your retirement funds, you may want to talk to your pastor or a financial advisor. They can help you to make the decision that is right for you.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.