In this final phase, the Chirambas explore opportunities beyond their immediate financial needs, shifting their focus towards giving back to their community and planning for their retirement years. Encouraged by the progress made in their financial stability journey, the family can consider additional opportunities to give back, beyond their payment of tithes. Simultaneously, retirement planning takes center stage, even on a small scale. Establishing a modest retirement fund, whether through savings or accessible investment options, becomes a crucial step in ensuring the Chirambas' financial security in their later years. This phase underscores the importance of not only securing their immediate future but also creating a legacy of support and stability for generations to come. The commitment of Brother and Sister Chiramba to each other and their family becomes a driving force in shaping their holistic financial well-being, fostering a sense of fulfillment and security for the entire family.