How to get your cake and eat it too


There is an old saying that you can’t have your cake and eat it too. As hard as it is to save money, I believe that I have found a way to spend money and still save money on top of that. All with the help of my bank.  

My bank introduced a  Savings account last summer that I immediately enrolled in. The way it works is that 1.5% of my purchases is automatically transferred to my savings account.  

It honestly makes me feel kind of lazy that I didn’t practice the discipline myself of saving. On the other hand, there is no better feeling than checking your account balance and actually believing that you are out of money, only to find a sizable sum of money tucked into your savings account. Provided you can at least practice the discipline of not transferring it back to your checking account.  

So, to sum it up, I am basically saving money by spending money. Something about this sounds so in line with Keynesian economics. Of course in all actuality, you never really save money. You are always saving for something; whether it be a down payment on a house or a car. At least try and save for something that is more of an investment, such as building equity in a piece of real estate.  

How to be a millionaire on minimum wage


With all the talk about “Fight for $15”, I did the math and crunched some numbers. I figure at 40 hours a week, we could all be millionaires if we just raise the minimum wage to $500 an hour.How about we just fight for $500?

Now if you want to kill the joke, just note that a million dollars a year wouldn’t make you a millionaire. Only a million dollars worth of assets would make you a millionaire (minus liabilities).

I once met a decent looking young man in a homeless shelter who once said that if he was offered a job making $35,000 a year, he would be homeless and save $35,000 a year.Wow! Just wow.Factor out transportation to get to work and taxes, you would be lucky to still have half of that.That and the fact that if you made that kind of money, you would be wanting a place of your own within a month.

If the Bible is right about the government serving Divine purposes, maybe taxes is God’s way of telling us to make sure our work serves a higher purpose than just making money for the sake of making money.

Also people that do get rich is usually because they can find every tax loopholes out there.So basically the secret to success is to always look for the loophole.

Blue collar jobs as career options?


I grew up in a blue collar working class family. Actually back in the 1970’s this was the middle class. Since the 1980’s the middle class has evolved to include mostly corporate jobs with the working class falling behind; even though they are the backbone of society and are the ones who create the wealth in society that the upper classes live off of.  

It kind of reminds me of a line from the movie Good Will Hunting where Matt Damon was telling his counselor Sean, played by the late Robin Williams, that there was honor in doing construction work. While many people will look down on someone who waits tables or works as a retail clerk in a store or a gas station, it is good to note that there is no such things as a dead end job.  

The Bible even says that there is profit in all labor. Although it seems as if the better paying jobs involve dealing with more bullshit; not to mention the lower paying jobs tend to be funner and less monotonous.  

Just because I returned to my first job in my fourth company at 40 years of age doesn’t mean I will stay there forever. Even if I stay with the same company, I will likely end up as a store manager or at corporate.  I even talk to the bread vendors who deliver to the store; this is the highest paying outside vendor that we deal with and they are the only vendors who work as independent contractors. Imagine the luxury of smelling fresh bread every morning.  

Also, the last few years I have seen more retail space opening up in shopping centers while corporate jobs decline. The private sector is the backbone of the economy and this is why I feel we have nothing to worry about if the economy were to collapse. It would just go back to the way it was before with smaller family owned businesses. And there would likely be a lot more community.  

I am not ready for it yet but every time I pass by a vacant store for lease, I can almost envision seeing myself owning my own store. I love buying stuff from the local store owners as opposed to corporate chain stores as it feels like I am supporting a greater purpose.  

As much as I miss driving at the auto auction, I have looked into the possibility of acquiring a dealer’s license and flipping used cars.  

It’s not conflicted to have options. As long as you are content where you are at while you dream big.  Of course you can get so content that you end up not doing anything.

Is capitalism a biblical system?


Is Capitalism a biblical system? Does everything really resolve around money? The biggest debate I have heard the past few years is which model is more in line with the bible: capitalism or socialism? Conservatives or liberals? Or in theological terms, Calvinist or Arminian.

When we get entrenched in these debates, we are beginning to lose focus. The Apostle Paul warned us about getting too involved in the doctrines of men. This turns the faith of Christ into a religion.

Paul only taught the doctrine of Christ: who He was as the promised Messiah and His Mission which was to build a spiritual kingdom. Anything we had to that becomes dogma and trivial at best.

You will recognize the dogma by the things that are most argued about among groups who profess to be Christian; i.e., trinity, rapture, eschatology, etc.

I’m still waiting to be called a heretic and a false prophet by the way. It’s been six years and makes me think I need to up my game.

Anyway, back to the original question: Is capitalism a biblical system? Does it have to be about money? What is material prosperity and is it really a sign of God’s favor?

The names of each political system are man-made, though the basic principles can have biblical values; i.e., thrift, enterprise, entrepreneurship, etc. They can also have drawbacks such as greed which cater to human weakness.

Likewise socialism values collectivism and working together (if you factor out the government intrusion). I mentioned in another blog post that the late GK Chesterton claimed socialism is the system that would save the world though it is the least desired.

This is because it goes against western values of individualism and involves giving up some basic rights; voluntarily of course out of love not at the hands of the government.

Does capitalism have to be about money?


Let us look at what is capital? Capital is more than just money. It is assets, or our resources. In a free market, or free enterprise system, we are free to use our resources to be innovative. No our motivation does not have to be money. This may sound surprising. Jesus even said you cannot serve God and money.
If your primary goal is to make money, you are no doubt idolizing wealth.

This is not to say you cannot become wealthy by serving others. Though it is not guaranteed. There are many people who became wealthy by adding value to society. There are still many others who were murdered for the value that they added to society.

I always find it amusing when I hear someone talk about “healing their relationship with money”. For starters, you cannot have a relationship with an inanimate object. That would be creating a graven image.


Money is a resource. The primary medium of exchange. You work to get what you feel you need or want. Many work too hard for stuff they think they need or want because they don’t know God or themselves and they end up chasing after the wind. To this, Proverbs 23:4 says “to not labor to get rich but have the wisdom to show restraint.”


Money is a man-made product. Kind of like religion. Money does not move the world. In Physics we learn that the world moves on energy. If you understand the law of attraction, you attract whatever energy you put out. Money is a tool to compensate what you are putting out.


This is why there is truth to the saying that if you do what you love then the money will follow. Because you have more energy. You may or may not have more money but this brings us to the last question.


What is material prosperity?


John Calvin was known for saying that material prosperity is a product of divine favor. This had led to the prosperity gospel thinking God’s people should be loaded. After all the patriarchs were. It is possible but I’m sure material prosperity meant something different 400 years ago.


Material prosperity means pertaining to the material world and not necessarily consumer goods. It can be clean air, pure food and drinking water as well as a decent living.


You may or may not get rich but you can have a prosperity mindset where you feel content and always have enough no matter what income level.

As far as the prosperity gospel preachers, I don’t necessarily think it is always about money as I listen to them but it is hard to take them seriously when they are mega millionaires. One of them is damn near a billionaire.


I can’t judge how they got their wealth or what they do with it but it does make you wonder if they are just in it for the money. Of course those that know them would know if they genuinely exhibit the fruits of the spirit.


I have heard Joyce Meyer’s testimony of abuse so I have a feeling she is genuine. If anyone reading this believes otherwise, feel free to comment. Keep in mind you will always hear bad reports about anyone. I google my own name sometimes just to see what dirty laundry comes up. I guess I am not big enough yet.


TD Jakes is alright. He is actually the poorest of the prosperity teachers being he has probably the largest church (somewhere up there).


In closing, since life is meaningless and our whole duty is to revere the Divine presence and observe His commandments (Solomon’s words and not mine), you are free to create whatever life the Spirit puts on your heart). When you are aligned with the divine plan, all of your needs fall into place. Use your resources, your capital, whether it makes you rich or not to serve others.


Personally I feel fulfilled in many ways by this blog that I don’t even have to pursue a career as a writer. I actually wonder if the hustle of selling articles might be a distraction to a higher calling. Then there is pissing people off with truth since it has a tendency to do that. It also doesn’t sell very well.

It’s all dead end


I don’t want to sound all doom and gloom, or worse make people think I have no self-esteem; as if I cared what anyone thinks. I consider myself an optimistic pessimist, because going too far either way can make us out of touch with reality.

If you can’t decide what you want to do with your life, I have some good news. It doesn’t matter in the end because it is all dead end and temporary. Nobody wants to come to the end of their life and wish they had spent more time working.

Don’t get me wrong, life is work but not everything has to be about work and money the way we make it today.  I believe there has to be more to this life than just the here and now and this is why I am convinced that there is a God (metaphorical name for Divine goodness) and a life beyond this one.

Religious texts such as the Bible and even Vedic scriptures have a lot of truth to them, one of these eternal truths being that life is meaningless in the Book of Ecclesiastes.  Many people will hear this and give up in despair but for me this is good news because it means I am free to do whatever with my life (within reason). 

Our purpose in life is to do whatever makes us happy. True happiness has been defined by ancient philosophers as being of service to others.  Life is about service. Making money is good but even spiritual teachers like Dr. Wayne Dyer say it should not be the end goal. Money is simply a medium of exchange, so when we find what makes us happy and pursue it we naturally attract the money we need to finance our life.

There is an old saying that when we do what we love the money follows. Even if we don’t make a lot we will have the wisdom to do more with less (this is better than chasing after money in my opinion). 

The reason we are so obsessed with money, work and material wealth is because we have lost our sense of purpose so we focus on whatever feels the void, which in most cases is money or relationships. We will never be happy if we lose touch with who we are and try to look for what we are missing through other people.