I did not even get on EPF (Employees' Provident Fund = CPF) until 1997 when I was Treasurer of SIB Sabah and cast the vision that all SIB workers should be paid EPF by local churches that employed them. Even then it was only a few hundred ringgit a month. When I was appointed pastor, my EPF did not increase by much and I joked with my friends that I must be the lowest-paid PhD holder in Malaysia. I took pride in that because the Lord I served took on the form of a servant, a poor artisan for that matter (See Luke Timothy Johnson's excellent book, Prophetic Jesus, Prophetic Church). I told my former employers in Singapore that they could let me go if I ever become a financially liability to the institution. But I know by God's grace I have been a blessing. All the courses I taught attracted many students. One night class in 2012 attracted 79 fee-paying students.
But unless I believe God will take care of me in retirement I will not be doing what I have been doing and continue doing by faith in this God who has revealed himself in Jesus Christ. This God is trustworthy. I have believed in him for over 32 years and He has done me no wrong but provided for all my needs. Recently I heard an elder prayed this prayer: "Lord we walk by faith and not by sight". I told him during lunch that indeed I have experienced what he prayed about. Having managed millions of ringgit for my denomination, I went to NZ with less than NZ$4,000.00 but I came back with a PhD. I can say like Paul the apostle, "My God is able to provide all your needs according to the riches of His glory in Christ Jesus" (Phil 4). Even now I am enjoying my sabbatical, possibly year-long because in my 6th year of work, God has blessed me twofold. I can abound and I can suffer lack for I can do all things through Christ Jesus my Lord. God will help you in your retirement for even to your gray hairs, He will carry you until we meet Him in glory or in His glorious coming to judge the world and reward those who trust in Him.