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Jesus once asked a simple, almost practical question: “Which of you, wanting to build a tower, does not first sit down and count the cost?” (Luke 14:28). Before you build anything that matters, you stop and think about where it’s headed.

If you’re retired—or even preparing for retirement—you’ve likely asked yourself a tough question: What happens if the market drops right when I need income? The last thing anyone wants is to be forced into selling stocks at a loss just to cover everyday expenses. That’s where a practical approach called the bucket strategy can help.

While the analogy Jesus used is not the main impetus to the teaching, "counting the costs" is a necessary part of stewarding God's assets.