Welcome!

Welcome to NGS (NextGenSteward)! I’m Chris Cagle.

What about the name, you may ask? Well. . .

NextGen = the next generation of Christians (Gen X, Gen Y, Gen Z, Gen Whatever);

Steward = one who oversees and cares for the material goods entrusted to them by another (in this case, us, for God—see 1 Peter 4:10 and 1 Corinthians 4:1).

This site is designed primarily for college students, young adults, and young married couples who have recently entered the workforce and are just beginning the journey of Christian financial stewardship.

Through a series of articles on this site (quite a few, actually), I hope to share decades of life experience and wisdom—including some of my own financial missteps—for your benefit.

See the Curriculum

I want to build a community of learners/stewards and educate and inspire the next generation of young Christian adults to become wise and faithful stewards of God’s material resources.

I can help you because I’ve studied these topics for many years, have a lot of experience (since I’m pretty old), and have made my share of mistakes.

I’ve also counseled and coached others on stewardship and personal finance, written a retirement stewardship blog, and published several books on the subject (check them out if you’re interested; of the three, Reimagine Retirement would be my recommendation to most of you).

I am not a self-proclaimed (or anyone else’s, as far as I know) guru or financial/retirement “expert.” I do not have any formal training in personal finance, nor do I hold any licenses or certifications. I’m just an average, financially conservative guy who writes about personal finance from a Christian stewardship perspective because I want to help others.

If you have a specific question you’d like to ask or would like to discuss your situation, you can:

Connect with Me

My basic views on personal finance are that I value simplicity over complexity and pragmatism over sophistication. I believe that money is a gift from God and a means to an end, not an end in itself.

But the core message is simple yet powerful: Everything you have belongs to God, and your early financial decisions matter greatly. Approaching this challenge with wisdom, humility, and discipline can alter your financial trajectory.

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