In this episode, we investigate what Jesus calls the deceitfulness of wealth when he explains the parable of the Sower. What we have in our minds and hearts about money can deceive us. When we trust in money, we believe that when we have it that all of our problems will vanish - not true. I believe that time, love and health are all higher on the priority scale than money. The Bible teaches us how to view money God's way i.e. the right way.  Connect with Keyno on Instagram: https://www.instagram.com/godlinesswcontentment/

In this episode, I tackle the mindset of the late starter who believes it is too late. That somehow because we are starting late that we can never reach our goals. It is only in our mind. I say our, because I was there only five years ago. I am a late starter. But I am in good company. Colonel Harland Sanders at 62 started franchising the chicken business. Moses (from the Bible) at age 80 spoke to Pharoah to let God's people go. They did not allow age to stop them. Don't allow age to stop you. Go after your goals while there is breath in your lungs granted by God. Connect with Keyno on Instagram: https://www.instagram.com/godlinesswcontentment/

In this episode we are reminded that God is there when we have a 'lil bit, supplying us with what we need so that we can also help others. We take a look at this situation in the Old Testament - 1 Kings 17 with Elijah and the Widow of Zarephath. God worked miraculously so that with the little she had, it would stretch to take care of her and her family as well as Elijah. She was tempted with taking care of only her and her family but God had an amazing plan to bless her and feed Elijah all with a little flour and oil. What is it that you have that you think is not enough to share? God has a way that it can stretch. He will bless you so that you have enough and can share with others. Don't block it. Connect with Keyno on Instagram: https://www.instagram.com/godlinesswcontentment/

In this episode we are reminded that God is there when all else fails. We take a look at a dire situation in the Old Testament - 2 Kings 4 and how God worked in an amazing way. We learn a few things:  -we always have something that God can bless -God always has a plan -keep doing what God tells you until you cannot do it anymore. Connect with Keyno on Instagram: https://www.instagram.com/godlinesswcontentment/

In this episode I talk about the fact that we can be thirsty for basically two types of things i.e. spiritual or physical. God gives an invitation to the thirsty in Isaiah 55:1-3. Those who accept the invitation get water, milk and wine at no cost. They are encouraged to buy without money. Why? There are some things money cannot buy. Here, the things are spiritual. But that brings up a bigger question for us - what are we thirsty for?  Connect with Keyno on Instagram: https://www.instagram.com/godlinesswcontentment/

Today we talk about Earned Wage Access. So full disclosure, I just came across this topic this week. We currently don’t have this service in the Bahamas, but from what I see, it is becoming a hot topic in the United States. So what is EWA? It is a financial service that allows workers to access their earned wages before their payday. Initially, it sounded like payday lenders, but it isn't. As with most everything, there are pros and cons. Please read up on it before agreeing to it. But why is this even needed? I believe it is because the majority of us are living paycheck to paycheck.  So how do we dig out of this hole? Normally 2 ways: -earn more (better job, additional job) -spend less  And I will add - sleep less. The Bible says in Proverbs 20:13 that too much sleep leads to poverty.

Episode #73. I guide you through the essential aspects of lifestyle creep, and how to avoid it.  Key points: -remind yourself often about your goals (spending without restraint won't get you there anytime soon) -make a budget and live by it (the budget will give you permission to spend the money in the way it was planned) -set up automatic savings methods. E.g. if you know you are getting a raise, increase your automatic savings deduction so that it goes straight to your savings vehicle and you never see it. I talk about this is episode 23 "The Savings Superpower Hack" Stay content. Connect with me: https://www.instagram.com/godlinesswcontentment/

If you had the choice between 1 million hours and 1 million dollars which would you choose? I would choose $1,000,000 and in the episode I tell you why. But don't shoot me until you have listened. To make matters worse, I give three reasons why time is greater than money: -We could have all the money in the world and yet when our time is up on this earth we have to go. No amount of money can change that. When God calls that is it. -money cannot buy more time (when your time is up), but if we have more time we can get more money -if you have lived as the Master requires, you can live for eternity with him where money is worthless, in fact we leave it all on earth when we go (cannot take it with us).

Sometimes, we can be too smart for our own good. We can over analyze things. We can be stuck in the Paralysis of analysis. We can be frozen by the Fear that keeps us from doing anything. Or even the Fear of change. Sometimes the mere weight of major decisions keep us from doing anything. Then what? Stuck, cannot move… Just start. Episode 2 of Godliness With Contentment was called 'Go small or go home'. I know that sounds strange. You have probably heard 'go big or go home'. But I believe that for some of us we need baby steps to get us moving then we can ramp up, whereas there are some of us who are bold and daring and willing to jump right away. But for those of you like me, we don’t want to jump in the boat, we can step from the dock into the boat. There is another group of us that wants to go in the boat because the boat will take us places, but oh the dock is so secure. It does not move. Our feet are firm. I believe that a false sense of security keeps us there. When amazing adventure awaits on the boat. And we don’t need to jump, we can step. Both will get us into the boat then off we go. Don’t lean on your own understanding, lean on God. Let Him make your paths straight as you trust in Him. Read Proverbs 3:5-7a for reference.

Proverbs 26:13-16 "A sluggard says, “There’s a lion in the road, a fierce lion roaming the streets!” As a door turns on its hinges, so a sluggard turns on his bed. A sluggard buries his hand in the dish; he is too lazy to bring it back to his mouth. A sluggard is wiser in his own eyes than seven people who answer discreetly." Proverbs 26 speaks to the fool, the sluggard and the gossip. What a triple play! But today we talk about the sluggard. Solomon writes that the sluggard i.e. the lazy person or the slacker says that there is a lion in the streets. Why does the slacker say this? So that he has an excuse to not go out and do meaningful work. Instead, he rolls around in his bed going nowhere. The next thing seems to be an exaggeration or a large joke - there is one guy so lazy that he can't even bring his hand from the bowl into his mouth to feed himself! And then the icing on the cake - he sees himself wiser than seven wise men. We see here a man stuck in laziness and finding creative ways to stay there. Why are you not doing what you know you should be doing?  Why are you not saving up towards your emergency fund or retirement? Why are you not starting that business you keep talking about? What are your excuses? There is a lion in the street? Get out of bed, go outside, kill your food and drag it back home to feed your family. A bit dramatic, but hopefully you get the picture.

I went to the food store here on my island to buy some vegetables. I bought a cauliflower, two types of squash (butternut and spaghetti), a yam and some colorful bell peppers. Don't scream but my total came to $32! The big shock of all was that the head of cauliflower was around $14! What I have done to deserve this? So what should we do eat healthier or eat cheaper? New Year says eat healthier. My pocket says eat cheaper. There is a balance to be found. The Scripture of the day is found in Luke 12:42 'And the Lord said, “Who then is that faithful and wise steward, whom his master will make ruler over his household, to give them their portion of food in due season?' We need to be faithful and wise. Not going crazy and blowing the budget but also getting the right food for us to eat healthier. Eat healthy and easy on the wallet: It takes time. Sit down and come up with a plan.

How are your New Year's resolutions going so far? In an article by Forbes Health, it stated that - If you find yourself in the camp of setting lofty goals for the new year only to find yourself falling off the wagon just months (or weeks) later, rest assured that you’re not alone. In fact, failing at New Year’s resolutions is so common that there’s even a slew of (unofficial) dates commemorating such failures—some sources cite “Ditch New Year’s Resolutions Day” as January 17 while others denote the second Friday in January as “Quitter’s Day.” Personally I don’t do New Year's resolutions any more. I make decisions, and they have been the same for the last few years - read my Bible and pray every day. I know, not that exciting, but extremely important. Nevertheless, sometimes we get deceived with lack of progress. If we continue long enough we will see the progress. If we stop because it is taking too long to see appreciable progress, then we never get to our goals.

Don't look around and say what about me. Focus on your blessings not on other people's blessings. It is easy to look around and find people who have more....or look like they have more. Stop wasting time and stressing yourself out! You can get the desires of your heart if they are in line with God's desires for you. Say what? Yes, focus on what is most important. Go after what God would want you to have, put them before him in prayer and you will get them. I am straying here, but e.g. wisdom is better than money and the James tells us James 1:5 that "If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you." So there has always been a way to get our prayers answered. Ask God for the things in line with his desires for us... Wisdom is a great example. I know you may want money, yet wisdom is better. When you get wisdom, then your perspective on money and on what you have vs what other people have will be a whole lot better. I talk about how to win with money from the Bible's perspective. Get wisdom and you will win with money God's way to be sure!

Watch out for being the dreamer. You have come up with 100 business ideas but have never pull it off. Perhaps you say that you just didn't have the capital. But there are ways to start a business with little capital. For the 100 ideas, maybe there have been 1000 excuses why it did not work; why it won't work. Mere talk leads you to poverty. Don’t be a talker only, put in the work to make it happen. When you scan through the pages of the Bible, you find Scriptures like Proverbs 14:23 that tells us that hard work brings a profit. Then there are others like Colossians 3:22-24 that talk about working as if you are working for God and not human masters. Paul speaks there to slaves and tells them to work hard whether the slave master is looking or not. Their true reward lies with God. So from the Bible's perspective, work is honorable. No issues there. Companies are in business to make a profit and will make certain decisions towards that end. Sometimes when there is no profit, they cut and close and run. What I came to, is the conclusion that we put ourselves in positions where we are at the mercy of an employer when we don’t have a backup plan or other sources of income. There is the fact that some of us will work for an employer for the rest of our working life whilst others of us will be our own boss and start a business employing others. The question I pose today is the same one I posed a year ago : which is riskier? Your 9-5 job working for the man or you being your own boss?

First off, this has nothing to do with gambling. This is coming from me - joyfully expressing how I feel after God's continuous blessings brought me to another birthday....a big one. For those who don't know, my name is Keyno Hanna, and this is 'Godliness with Contentment'. Most times I talk about the Bible and money. Today there is no money, just Bible and God's grace. Happy New Year!

We are now squarely in the first days of 2024. This is typically when we go to the gym and start eating better and do whatever our resolutions are…well at least we start. The trouble is, most of us don’t continue. If we reach February 1st this is a big accomplishment since we normally stop a week or two before that from history. But if you don’t go after and obtain your dreams in 2024, then when? Ok, they may take longer than 2024 for the dreams to be a reality, but if we stop going after them then we won't ever get there. So really, we need this train to keep moving until it reaches the destination, not a block or two down the road. But what stops our dreams, or what kills them to be very dramatic? There is an article called - "'Dream killers – how to recognize and avoid them'" written by James Norwick. He outlines 6 dream killers: -Family -Friends -Superiors (bosses) -Past failures -Your exhaustion -Your fear Interestingly enough, I wouldn’t attribute my dream killing to any of these. I would say that I have killed my own dreams in the past. There was an Instagram post I commented on a few weeks back. The graphic read 'never let small minds convince you that your dreams are too big'. My comment was as follows: 'It is my small mind that I am worried about'. I believe that for me and countless others, it is the guy in the mirror that kills the dream not the family and friends and bosses. So what will change in 2024? Norwick suggest that we learn how to spot the killers early then we stand a better chance of taking control of them and removing them from our lives. So yes, remove the negative influences from your life…It may come back that you still have to deal with you.

Going into 2024 (if we make it) I want to challenge you and me to take the signs down. Go after a clean slate and write on it whatever you believe God is telling you to write. In Isaiah 43:18-19, God promises to do a new thing here even greater than the Exodus.  Wow!  He says forget the past; don’t dwell on it for he is going to do a new thing even greater than the Exodus. We like to talk old stories and look back... Do you believe that God is going to do greater things in the future? The thing in view here is not just the people coming back from Babylon, but God's people from the ends of the earth coming into his kingdom. Remove the old signs, get rid of the limiting beliefs, see the new thing that God is doing!

So there are many things we need to teach our children so that when they are old they don’t stray from it. One I will teach them is to stay away from Christmas debt. Christmas debt is crazy! Next Christmas you will still be paying this one off and the bank will send you a new email with a new loan promotion. They sell it as a loan - i.e. we want to help you. It is debt i.e. come and work for us for the foreseeable future. The bank needs a new building, their shareholders are looking for better returns. Come and help us… Say No! Don't help them. Bah humbug!

Today we look at Ecclesiastes 11:1-6 It has been put forward that it talks about giving, investing, having many business ventures, diversification of one's portfolio, having a backup plan etc.. However, one Bible commentator says that 'for more than 18 centuries, there was never any doubt about what was meant here.' This was about giving. Nowadays however, our thoughts goes to business ventures and the like. This is about giving not knowing if you will get anything back in return. It is about generosity. Vs 2 says "Give" yet my NIV study Bible has there that give probably means invest. It has that vs 2 'Probably means “Invest in seven ventures, yes in eight, / for you do not know … ” That is, diversify your efforts because you never know which ventures may fail. “Don’t put all your eggs in one basket.” Diversify your undertakings and reduce the risks.' Somehow give turned into invest. Magic? Investing is more savvy, more interesting, expected returns are tied to it… We like that. Some quick thoughts: -God gives us the ability to give because He has blessed us -There will come a time when we are dead and we cannot give any longer -if we look for perfect conditions, we will never give  -we don’t know what our giving will do. It may turn out to bless us in unexpected yet important ways -he who sows shall reap.  When we sow, as in giving to others then we will reap whatever God desires it to produce in us. Why cast bread upon the waters? -well bread sustains and if we have we should share with those who need sustenance (God's plan) -putting bread into water means we have no desire or expectation of getting it back (giving as it should be) Giving to the poor and needy is all throughout the Bible.

Giving Tuesday comes after black Friday and Cyber Monday. I don’t think this is a good placement. The money goes out and by Tuesday very little is left. I mean I hope this is not the case for you, but for many it is. So perhaps givingtuesday.org can clamor for a change. I say put Giving Tuesday as the Tuesday before thanksgiving. That way we know when it is each year and we give before we spend. I understand that the spending includes purchasing gifts for loved ones, but in most times, if they don’t get that gift, life goes on. On giving Tuesday I am suggesting that we give to those who need food, clothing, water, shelter to make it to the next day. Many who go without the turkey on Thursday while we sit around the table with friends and family. Many of us live sheltered lives i.e. we think that what we go through is the hardest, but we neglect to press our windows down as we drive through town to see the homeless rolling the grocery trolley miles away from the store with their life belongings in it followed closely by a few dogs. Life is really rough for so many. If we can do something on giving Tuesday to alleviate their pain for a few brief minutes because of our kindness, we have done something. But indeed, giving Tuesday is a token, giving is how we should live. Giving is one of the things we should do with what God has given us. It is one of the things to do with money. We spend some, save some, invest some, and give some. Don’t forget to give some. And there are so many who are in need - we won't have to search long for someone who needs. Proverbs 22:9 'The generous will themselves be blessed, for they share their food with the poor.' Is he blessed so as to share his food with the poor or his is blessed because he shares with the poor?  Which comes first, the chicken or the egg?