(Epic Economist)—Do you know that 80% of households with older adults are not only struggling financially today but are at risk of falling into economic insecurity as they age?
However, the trend is still worsening over time. About 90% of these older adults have seen a decrease in their income, which puts the retirement crisis at a high rate. But the question remains: what is the solution to this retirement crisis? How do we manage it?
The U.S. retirement system has not only become more of a savings system but less of an income system. And this has resulted in a big risk! Workers will outlive their savings.
But here is the truth: The majority of older households that are approaching retirement simply are not financially prepared.
The most important measure that shows you are financially ready is your ability to replace working income after you retire. But that is far from what most Americans do because they hardly maintain their standard of living.
As a rule of thumb, most people will need to replace at least 70% of their wage income in retirement. Notwithstanding, those who have not been able to save much for retirement will depend solely on Social Security, which will typically replace only about 40% of pre-retirement income.
Starting the Day With a Scripture-Inspired Roast Helps Center Your Thoughts on Eternal Truths Amid Temporal Pressures
The world can seem chaotic, especially right after we wake up. Many believers start their mornings reaching for something familiar — a hot cup of coffee — yet end up settling for mediocre brews that do little more than deliver a caffeine jolt. The daily grind of life, with its endless distractions, news cycles, and responsibilities, can leave even the most faithful feeling spiritually parched alongside their physical fatigue. What if your morning ritual could do more than wake you up? What if it could ground you in truth, nourish your body with exceptional quality, and quietly advance a kingdom purpose at the same time?
That’s the promise — and the reality — behind Promised Grounds Coffee. This Christian-founded company doesn’t just roast beans; it approaches every step as an act of worship and discipleship. By selecting only the top 10% of specialty-grade beans, ethically sourced from dedicated farmers in Central and South America, and small-batch roasting them with reverence in Austin, Texas, Promised Grounds delivers what many describe as the best coffee available — never burnt, never bland, but rich with origin stories and layered flavors that honor God’s creation.
From the vibrant Psalm 27 Roast (a light, bright medium option) to the bold yet peaceful 2 Timothy 1:7 Decaf, each bag carries a Scripture verse that turns your daily pour into a gentle reminder of faith. And through their Ounce Per Ounce Promise, every ounce of coffee you enjoy provides an equal ounce of clean water to families in need via partnership with Filter of Hope — literally brewing hope for body and soul, one cup at a time.
The challenge for today’s Christians runs deeper than finding a decent cup. In an age of convenience-driven consumerism, it’s easy to support companies that dilute values or remain silent on matters of faith. Many believers want their everyday choices — from what they drink to how they spend — to reflect discipleship rather than just convenience. Promised Grounds solves this by weaving Christian excellence into the entire process: beans nurtured with prayerful stewardship by farming families, roasted as an offering rather than a commodity, and packaged with Bible verses to encourage a mindset of gratitude and purpose from the first sip. Reviewers consistently praise the smooth, rich profiles — whether enjoyed black in a drip maker, iced on a warm day, or shared in fellowship — noting how the quality stands toe-to-toe with premium secular brands while delivering something far more meaningful.
This integration of faith and flavor addresses a real need in Christian households and ministries. Busy parents, church leaders, and remote workers alike report that starting the day with a Scripture-inspired roast helps center their thoughts on eternal truths amid temporal pressures. The coffee’s exceptional character — bright citrus notes in lighter roasts or deep chocolate undertones in bolder ones — comes from meticulous selection and careful roasting that respects the bean’s natural gifts rather than masking them. It’s the kind of coffee that elevates a simple quiet time, fuels productive workdays, or sparks meaningful conversations when shared at Bible studies or outreach events. And because it’s ethically sourced with integrity, every purchase supports sustainable livelihoods for farmers who treat their crops like family harvests.
For those leading churches or small groups, the impact multiplies. Promised Grounds offers bundles and options perfect for hospitality ministries, turning ordinary coffee service into an opportunity to point people toward the living water of Christ. Imagine greeting visitors with a warm cup whose very bag carries God’s Word — a subtle yet powerful witness that aligns with the Great Commission. The company’s Texas roots and commitment to “brewing hope” resonate especially with believers who value American enterprise paired with global compassion.
Of course, quality alone isn’t enough if the experience feels out of reach. Promised Grounds keeps it accessible with practical perks like free shipping on orders over $40, sample sets for discovering favorites, and thoughtful add-ons such as faith-themed mugs. Whether you prefer whole beans for fresh grinding, grounds for convenience, or even bulk options for larger households and ministries, the result is consistently superior coffee that makes discipleship feel integrated rather than added on.
As you consider how to align even the smallest habits with your walk with God, Promised Grounds Coffee stands out as a refreshing solution. It tackles the dual problems of subpar daily sustenance and disconnected consumption by offering a product that genuinely excels in taste while advancing a mission of clean water, farmer dignity, and scriptural encouragement. Believers who make the switch often describe it as more than a beverage upgrade — it becomes part of their rhythm of gratitude, a daily invitation to remember that every good gift comes from above.
If you’re ready to transform your mornings (and perhaps your church gatherings) with coffee that honors both exceptional craftsmanship and Christian values, I encourage you to explore what Promised Grounds has to offer. One sip at a time, you’ll be nourishing your body, refreshing your spirit, and participating in something far greater — all while enjoying what truly is among the best coffee available.
Retirement. Phhhtt! Retirement for most of us is a joke. As a country we no longer make anything except babies and housing. Both of which are very expensive. Many Americans can’t afford to go to college (as if it makes you any smarter) and college degrees aren’t what they once were. STEM being the exception but not all of us can pass the rigid course of those programs, either. So, the poor sucker left trying to have the American dream of 2 kids, a wife, a home and a car on 50K or 60K doesn’t have any excess money to invest. Besides that, our p*ss poor politicians are undermining our efforts to earn on our investments, anyhow. For instance, I invested 61K in an Edward Jones account after Saint Joe Biden became president. I has ticked up and down ever since but the straight line has been a gradual decline. I told the financial planner that I should have my head examined for investing it with them. There was an investment Guru a long time ago who said basically, you fund 100% of the investment, you take 100% of the risk and if it makes anything you get 30% gain. Besides that you could wind up with nothing with likes of Joe Bribe’m and company.
Oh wow! After decades of OFFSHORING AMERICA, offshoring countless jobs while insourcing ILLEGALS and foreign visa workers, who could have ever possibly foreseen this (or 9/11, the plandemic, etc.)?!?!
YYYAAAWWWNNNN . . . wonder why JFK, President John F. Kennedy, lobbyied congress so diligently to pass his Interest Equalization Tax to “incentivize” corporations to reinvest (amortize) in American labor and industry instead of offshoring everything —— remained in existence until 1972 or 1973, if memory serves!
Instead, from 1980 to 2014 real American wages rose 0.47% as compared to other OECD nations which experienced a rise of between 80% to 500% — so the next closest to America was 160% increase or greater to our wages?!?!
Recommend the book by genuine populist conservative, Michelle Malkin: SOLD OUT, worth the read!!!