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Category Archives: God

You Know, I’m All About the Budget

Some people make it a habit to read a chapter of Proverbs at the start of every day.

In “the Message” Bible, it states that the purpose of Proverbs is “to teach people the ropes,” so that we may attain wisdom and discipline and to understand what life means and how to do what is right, just and fair.Epiphany Financial

Proverbs 1:7 is a key verse that encapsulates the book’s overall purpose: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”

I personally like the even more direct approach of Proverbs 12:1, which states: “Whoever loves discipline loves knowledge, but he who hates correction is stupid.”

Because I am an educator, Proverbs speaks a language that I value and wish more would embrace. Unfortunately, far too many detest discipline and, thus, shun the wisdom that could lead to their freedom.

When you consider what I do for a living – I help people make the “right” decisions about their money. And, the first “right” decision is to have a budget, yet the vast majority do not take the time and exercise the discipline to do so.

I work with 22 year olds to 72 year olds. I work with people who can save $100 a month to folks who save over $1,000,000 a year, and of the hundreds of clients and families with whom I work, there are less than 10% who came to me with a clearly defined budget of inflows and outflows, and even fewer who updated this document monthly.

Folks, YOU CANNOT EXPECT WHAT YOU DO NOT INSPECT.

And yet everyone wants financial freedom. Everyone articulates a desire to have “more.” Everyone talks about a desire for financial security. But, again, how can you EXPECT to have any of these realities if you do not INSPECT what is real?

Those who work their land will have abundant food, but those who chase fantasies will have their fill of poverty. (Proverbs 28:19)

Which leads me to some truths about how money really works in the lives of hard working US citizens: the vast majority do not know how to “think” about a budget, how to actually map it out and keep it current. Furthermore, money is THE hardest topic to discuss which is why it is the #1 stressor. As such, when you combine the challenge of knowing “how” to create and manage a budget with the emotions that surround money, it makes sense that so many people do not have a budget. And even for those folks who tell me they don’t need a budget because they don’t spend more than they make, my experience has been that because they do not truly know what is coming in and going out, they are throwing away money, literally.  

Whatever your situation, working with a professional who is focused on the behaviors and strategies that lead to wealth and security can be the difference between surviving and thriving! Look for someone who understands process over products first! (And, if you want a head start, you can access some budget worksheets on my website by clicking here.)

If you are a person of discipline when it comes to your personal economy; if you seek knowledge and wisdom when it comes to the macro-economic impact of micro-economic movements within your family economic system, contact us so we can help ensure you have the optimum return on EVERY dollar in your system.

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17 of 28: Wisdom Is Containted In Proverbs

Some people make it a habit to read a chapter of Proverbs at the start of every day given the Lord so nicely laid out 31 Proverbs for us to study. I enjoy this practice and while I have not been consistent in reading a Proverb a day for a year, I have read the book intermittently for about that long. In my bible, it states that the purpose of Proverbs is: To teach people how to attain wisdom, discipline and a prudent life and how to do what is right – in short, to apply divine wisdom to daily life and to provide moral instruction. My NIV bible highlights Proverbs 1:7 as a key verse as it encapsulates the book’s overall purpose: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.” I personally like the direct approach Proverbs 12:1 takes in capturing the essence of the book when the Lord states: “Whoever loves discipline loves knowledge, but he who hates correction is stupid.” Because I am an educator, Proverbs speaks a language that I value and wish others would embrace as, alas, far too many detest discipline and, thus, shun the wisdom that could lead to their freedom. If you are a person of discipline when it comes to your personal economy; if you seek knowledge and wisdom when it comes to the macro-economic impact of micro-economic movements within your family economic system, contact us so we can help ensure you have the optimum return on EVERY dollar in your system.

15 of 28: Is There TRUTH?


If you were to identify someone as a Christian, what definitive factors would you look for to support that claim? From your perspective, is the Christian message mostly good news or mostly bad? What evidence do you have to support your opinion? What reasons do you think Christianity gives that Jesus is the only way to God? If it is possible for each of us to personally tap into the “unique god within ourselves” and thereby assure eternity/salvation/nirvana for ourselves, then is there really a “God of the Universe”? Or is He/She/It just someone we make up so we feel better about the standards we have created for ourselves? Is there such thing as TRUTH?

Day 3 of 28: Are You A Slave?

I am blessed to work with a man who is everything I could ever hope for in a male role model, a mentor, a brother in Christ and, indeed, a friend. As we discussed what keeps people from expanding their minds by reading books such as those I offer in my economics book study, Joe began to speak and, as I often do, I took notes. He articulated two concepts that deserve to be shared: “Independence is having enough money at work so that if you can not work, your life will be sustained.” “If you get to where the only thing you have left is your labor, you are a slave.” Joe referenced the Year of Jubilee in the Bible and commented that the Lord desires that we live in freedom. In fact, during Jubilee He commands that we free the indentured because He knows that so many people will enslave themselves. So, how do we free the slaves of today? We teach them about economics which is the management of scarce resources. We teach them how to adopt better habits, better processes, a system so that they can take advantage of safe financial resources upon which to build up their stores of grain for the year of Jubilee – a year when they can rest because they have attained true independence. Exodus 20: 8 “Remember the Sabbath day by keeping it holy. 9 Six days you shall labor and do all your work, 10 but the seventh day is a sabbath to the LORD your God. On it you shall not do any work, neither you, nor your son or daughter, nor your male or female servant, nor your animals, nor any foreigner residing in your towns. 11 For in six days the LORD made the heavens and the earth, the sea, and all that is in them, but he rested on the seventh day. Therefore the LORD blessed the Sabbath day and made it holy. Leviticus 25: 10 Consecrate the fiftieth year and proclaim liberty throughout the land to all its inhabitants. It shall be a jubilee for you; each of you is to return to your family property and to your own clan. 11 The fiftieth year shall be a jubilee for you; do not sow and do not reap what grows of itself or harvest the untended vines. 12 For it is a jubilee and is to be holy for you; eat only what is taken directly from the fields. If you have not developed your strategic wealth system from which you can clearly articulate its guarantees for your family, reach out. I would be honored to help you experience a Sabbath rest.

Day 1 of 28 – Just Be Nice, People Hurt

“Hi, it’s J. I remember you in high school being most popular, highly intelligent and nice to everyone. From time to time I'll read you posts and think wow, this woman hasn’t just succeeded from high school till now, but your whole life has been an awesome impression of how one should live their life. It seems you have achieved so many things, You're a true inspiration on how we should live our lives. Great job. I know God smiles on you. Very powerful Kasandra. Sincerely, J” This Facebook message I received today is similar to others I have received since this technology has allowed people from my past to reconnect. While my worldly ego appreciates the compliment, I am much more motivated to share this message because I know where the truth of Jeremy’s sentiment emanates and that is from the Lord Almighty. Truthfully, I have NO idea how people see me. I did not have a clue I was so well liked or even admired and I am still befuddled by such accolades. When I grew up in a non-descript suburb of Los Angeles, I felt alone and “weird” and almost “wrong” or “less than” because I did not have a home of which I could feel proud.  My parents, in their drunkenness, would beat the crap out of each other and I have strong memories of blood splattering on the walls. I remember cops rushing through my 1000sf home trying to stop these drunken brawls. I was being molested by a relative who stayed with us a lot because his mother was often in a bar in some strange town far away or visiting the “love of her life” in jail. When my dad finally left the state, the violence stopped but the insanity and financial strain of living in a home of a functional alcoholic did not. Fast forward to today, my mother, who is my biggest advocate and who no longer drinks, will “brag” about how “accepting” I was of all people when I grew up because I did not judge the “geeks” from those who were popular. Even though I could hang with the “A” crowd because I was pretty, the Class President, Editor of the Yearbook and a star athlete, she references my friendship with a young man who by society’s standards, from his appearance to his voice to his social awkwardness, was a geek. Regardless, I often knocked on Reggie’s door so we could walk to school together. What my mother only recently just learned is that I knew everyone thought Reggie was a nerd because, well, he was. His voice was nasally, he had intense acne and greasy hair and he had no idea how to hold a conversation. However, Reggie and I were in the “smart kid” classes so we grew up together and, like me, Reggie had a less than stellar home life and I understood him. Like me, Reggie was alone. I was nice to everyone because, alas, life was hard and I knew that if I felt scared and alone and generally unsure of what I might encounter on any given day, how must others feel? While I sometimes wondered if maybe I was a “freak” and the “only one who dealt with such ugliness,” I also had a fairly strong sense that I was not alone; that others suffered even if the specific details of their hurt did not match mine. Fast forward to my 40s and it is crystal clear to me now why I was able to see the pain of others and respond with sympathy and compassion – there is a God. What Allen wrote to me is a response I receive fairly consistently from people who knew me growing up as well as from people who have come to know me only recently. I am humbled and honored that they reach out when they need someone to speak to because they are still hurting. Sometimes, even though life was somewhat storybook as they grew up (the opposite of my life), they have now become lost and they don’t know how to get back. I say the same thing to all of them – there is a God who loves them more powerfully than our finite human minds can imagine and He is just waiting to have a deep relationship with them. If you want to talk to someone who can help you understand who this God is – how a relationship with Him will transform your life – reach out to me or find a friend who walks in the grace of the Lord and become vulnerable and honest with this person or contact the spiritual coaches at Groundwire. If you are in a good place, then gather your children and their friends and watch “To Save A Life”…and then talk about it.  Discuss how you can affect a more positive change for others around you just by being nice. We live in a temporal, broken world and the facts of our past do not have to dictate the path of our future if you are willing to let The Almighty be your guide. Let Him in and you too will shine!