Planning for Retirement

The days are evil:

Ephesians 5 warns us to walk as wise, not as unwise, redeeming the time because the days are evil.

A friend of mine shared with me a sermon he gave when returned from a trip to Zambia about a year and a half ago.  He had taken the  trip with his eldest daughter and came back with a new passion for advancing the kingdom of God to the uttermost parts of the earth.  He runs a successful business, but returned with almost a distaste for this business.  His business revolves primarily around providing financial security for retirees, but his perspective has changed dramatically since his trip.  One of the questions he now has is why believers have hundreds of thousands to millions of dollars tied up in 401(k) plans and other retirement accounts when there are billions of people in the world who suffer in poverty and who need to be introduced to Jesus.

I think his question is valid.  Is saving for retirement biblical?  This is a difficult question to answer.  Proverbs provides biblical wisdom for the management of personal finances and certainly seems to imply that saving is a good thing.  Jesus, on the other hand, tells of the rich man who must build new barns to store his produce from an abundant harvest.  This man finally decides that he has enough stored that he can take his ease, retire,  and eat, drink and be merry.  Jesus call this man a fool because he will pass away that very night.

What are to make of this?  Is it bad to have a 401(k)?  Should we save at all?  Jesus also states that we should not spend our time worrying about what we will wear or what we will eat.  If God will clothe and feed the birds and the flowers, will He not much more provide for us?  I believe God does want us to save for our future, but with a much longer term plan than we have.

Matthew 6:19-21  Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal.  For where your treasure is, there your heart will be also.

Now that is planning for retirement.

Why Your Doctor Chose to Be Your Doctor

Probably the most common answer in medical school interviews to why someone is interested in entering medicine is “to help people".  The reason it is such a common answer is not that it is the "right" answer.  In fact, most interviewers would probably rather hear something different than "to help people", just to relieve the monotony of the interviews.  The reason it is a common answer, though, is that you have, at a minimum, seven years of physically and intellectually demanding education and training above and beyond your undergraduate education before you begin to practice independently.  By the time the training process is completed, you will have devoted 24-28 years obtaining the education necessary to enter your career. 

While you are devoting upwards of 100 hours per week for at least seven years to your courses, study, and training, your friends are enjoying their twenties.  They are earning a living, going out, attending sporting events, traveling, dating, marrying and starting families.  They are no longer accumulating educational debt.  They are beginning to pay off the debt they do have.  They are advancing in their careers.  

You are struggling to get enough sleep to stay awake in class the next day, or during the seemingly interminable internal medicine rounds (which involves a short time seeing patients at the bedside and a great deal of time sitting in dimly fluorescent-lit conference rooms discussing those patients and their extensive lists of problems and medicines).  You are spending your nights and weekends trying desperately to prepare for the next anxiety-producing board exam, the next presentation before your attending physicians who are ready to pick apart whatever you present, or trying to unravel the mystery of the dying patient that just doesn't seem to respond to anything you do.

The reason "to help people" is the most common reason for wanting to pursue medicine as a career is that you must make tremendous personal sacrifices just to begin your career.  Friendships must be discarded or neglected.  Entertainment and other enjoyable activities must be greatly reduced for quite a long time.  Marriages are strained and often fail during this period.  Indeed, certain residency programs have a greater than 100% divorce rate.  You must truly believe that what you are pursuing is a worthwhile endeavor in order to make such great personal sacrifices.  

One and Done - I'll take it, for now

The Dawgs made it back to the NCAA tournament this year for only the fourth time in the last 11 years and only the eighth time since 1990.  Coach Mark Fox led the team to the dance in his second year as head coach, quite an accomplishment given the troubled history of the program.  The team struggled in the early '90s under coach Hugh Durham during my time as a student.  I loved basketball but was forced to endure some of the most pitiful displays of basketball in the history of the school.  Things began to look up when Georgia hired Tubby Smith away from Rick Pitino and the University of Kentucky.

Great progress was made during Smith's tenure, but the team had the rug pulled from under it when Tubby signed a contract extension with UGA and then abandoned ship to take the head coaching job at UK.  I thought the move was a mistake for Tubby at the time, since he could have become a legend if he had stayed at UGA and turned the program into a contender.  Tubby performed well at UK, but, as often happens when you follow a legend, he could never live up to the expectations of Kentucky fans.  Tubby's reign at UGA was followed by the painful Jirsa years and suffering was again the theme of Georgia basketball.

Fortunes seemed to turn when Jim Harrick was hired in 1999.  He took the Dawgs to the tournament twice in his four year turn at the wheel, only to leave the program in shambles following an embarrassing scandal.  Dennis Felton then took over the program in 2003 and appeared to have the Bulldogs on the right track after a miraculous SEC tournament in 2008, which the Dawgs won after playing 4 games in 3 days in the conference tournament that was disrupted by the tornado that tore through downtown Atlanta and the Georgia Dome.  Felton could not recapture the magic that happened during that historic tournament and was fired mid-season 2009, leaving the program again searching for a leader.

Enter Coach Mark Fox, who took over the program for the 2009-2010 season after Pete Hermann finished the 2008-2009 season.  The 2009-2010 team was very inconsistent, but showed moments of promise which lead to a degree of anticipation for this season.  Overall, I am pleased with the progress that has been made in the short time Coach Fox has had with the team.  21 wins.  Wins against Tech and Kentucky this year.  Near misses with Florida, Vandy, and Notre Dame.  An NCAA Tournament appearance.  Not bad for a second season as head coach.  There is again hope for the UGA men's basketball program.

African Cats

We saw the preview for the new Disney Nature movie, "African Cats", today, and it really stirs strong feelings.  They say it was filmed in the Masaai Mara, which is where we were when we went on our safari in Kenya.  I can not wait to see this film when it comes out in April.  The beauty and wildness of the Mara is incomparable, and to see it again on the big screen is exciting.  I am not sure if this feeling is just due to a fond memory, or if it is a call to return to Kenya.  It is almost a homesickness for a place that has not been my home, yet.

Amy and I are taking a class right now, "Perspectives on the World Christian Movement".  I am going to quote from one of this week's readings. The author is Samuel Zwemer and this was written in 1911 in an article called "The Glory of the Impossible".

"Is there a more heroic test for the powers of manhood than pioneer work in the mission field?  Here is opportunity for those who at home may never find elbow-room for their latent capacities, who may never find adequate scope elsewhere for the powers of their minds and their souls.  There are hundreds of Christian college men who expect to spend life in practicing law or in some trade for a livelihood, yet who have strength and talent enough to enter these unoccupied fields.  there are young doctors who might gather around them in some new mission station thousands of those who 'suffer the horrors of heathenism and Islam,' and lift their burden of pain, but who now confine their efforts to some 'pent-up Utica' where the healing art is subject to the law of competition and is measured too often merely in terms of a cash-book and ledger.  They are making a living; they might be making a life."

Wow.  That is as applicable today as it was 100 years ago when it was originally written.  One of the things Amy and I discussed after our trip to Kenya was that, although it was certainly stressful, I felt like I was practicing real medicine and was fulfilling something of what I had spent the last 14 years training to do.  Certainly what I currently do is too often measured "in terms of a cash-book and ledger".  Perhaps I need to consider more often lifting "the burden of pain" of those who may not have ready access to healthcare.