The optimists’ perspective of the coming retirement crunch facing U.S. churches is that many older clergy will have the income to leave full-time positions, but the health and sense of vocation to serve smaller rural and urban churches unable to afford full-time clergy. The pessimists’ perspective is that many spiritual leaders, financially ill-prepared for retirement, will stay on in pastorates as long as they can, exacerbating the clergy age gap and impeding efforts for denominational revitalization. There is evidence to support both viewpoints. What is not in dispute, however, is that the time to address the issue is now.