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If you randomly asked 100 people to name their greatest retirement need most answers would revolve around
some derivation of the theme of money, but money is not your greatest retirement need.  Many would say something like:  “It’s a no-brainer, it’s my savings account,”  “My bank accounts,” or “”My gold.”

Money is not your greatest retirement need.

Some would say:  “My 401k,” “My IRAs,” or “My Pension.”  Several respondents would include Social Security.

Financial security is not your greatest retirement need.

Other answers would include things like houses, lands, vacation homes at the beach, the mountains, or on some tropical isle.  Still others would wax philosophical by saying something like “To be loved,” “To be needed,” or “To have made a contribution to society.”

Being loved is not your greatest retirement need.

Many would mention healthcare, wellness, fitness, and express desires to remain ambulatory until death.  Some would include the opposites of Alzheimer’s and dementia, by referring to mental acuity and the desire to remain lucid until death.  Some would include the subjects of retirement communities, nursing homes, or assisted living facilities.

Good health is not your greatest retirement need.

If those are not the greatest retirement needs then it must be something like relationships with family and friends.  No, that is not it either.  Could it be something like volunteerism, or hobbies and recreation?

Your greatest retirement need is to have a personal relationship with God.  

10 seconds after death, one's greatest retirement need will be obvious.  All the things we left behind will suddenly become meaningless.  When standing at the portal of eternity nothing could be more important than one’s relationship with God.  The Bible says: “And as it is appointed unto men once to die, but after this the judgment:” Hebrews 9:27.  Consider these words of Jesus: "Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.”  Matthew 6:19-21.  Jesus is saying that a person’s relationship with God is the most important need he or she can ever have.  This need eclipses the all the other valid needs mentioned above.  For more information see our “HEAVEN” tab above.