Scripture Quotations Marked KJV From The Holy Bible, King James Version

Scripture quotations marked KJV are from the Holy Bible, King James Version (Authorized Version). First published in 1611. Quoted from the KJV Classic Reference Bible, Copyright © 1983 by The Zondervan Corporation.

Scripture quotations marked NIV are taken from the Holy Bible, New International Version®. NIV®. Copyright © 1973, 1978, 1984 by International Bible Society. Used by permission of Zondervan. All rights reserved. [Biblica]

IF I ONLY KNEW

No More Excuses

KEYVEN LEWIS

If I Only Knew

No More Excuses

Keyven Lewis

Copyright © 2015 by Keyven Lewis.

Library of Congress Control Number: 2015912791

ISBN: Hardcover 978-1-5035-9389-3 Softcover 978-1-5035-9388-6

The categories listed below were selected because these are the areas the general public see where professional athletes spend their earnings. The following chart has a generic breakdown of those living expenses.

• Agent—fee for the person responsible for your compensation/ salary • Housing—your primary place of residence

• Clothing—exp. lavish jewelry, designer clothes, etc.

• Transportation—exp. automobiles

• Personal—exp. pocket money

• Debts—the goal is to get this number to zero dollars and keep it that way

• Other—all other expenses

Agent Housing Clothing Trans. Personal Debts Other

(5%) (20%) (2%) (10%) (5%) (5%) (28%)

Annual $60k $238k $24k $119k $60k $60k $267k

Career $240k $952k $96K $476k $240K $240K $1.07 mil

* Categories will vary based on the individual and should include medical (10%) and insurance

(10%), which were omitted to accommodate the size of the

ο Rule of Thumb:. Set your budget to what lifestyle you can sustain up to your full retirement age of sixty-seven (i.e., Derek should set his annual budget to roughly $208,000 based on his NHL career earnings of $8.51 million).

Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor.

—Proverbs 22:7 (NIV2011)

• New home purchases should not exceed career earnings allocations. ο Example: Corey should not purchase a house that exceeds the $2.37 million budgeted out of his six-year career earnings in Major League Baseball. ο Rule of Thumb: Buy a house that falls within your monthly budgeted amount using a fifteen-year fixed conventional loan.

The rich rule over the poor, and the borrower is slave to the lender.

—Proverbs 22:7 (NIV2011)

• Automobile purchases should not exceed career earnings allocation ο Example: Alex should not purchase any number of motor vehicles that exceed the $476,000 budgeted out of his four-year career earnings in the National Football League. ο Rule of Thumb: Buy a certified used automobile that falls within your budget and pay cash for