Do you have a difficult time saving money? Do you find yourself constantly having to rob your saving account to get through an emergency? You're not alone. The personal saving rate over the past few months has taken a nose-dive. Inflation has been a big factor, but it's hardly the reason for Americans’ historical lack of savings.

The other day my wife Natalie and I were casually talking about where we are regarding our retirement plans. After about 30 minutes of looking and talking through the different income sources we expect to be drawing from, an uneasy, perhaps even fearful mood gripped both of us. For a brief period of time, filled with worry about the future, we lost focus of who we are and what we've been called to be, faithful followers of Christ, seeking God's will and not our own.