Kenan Godfrey

Kenan Godfrey I Teach People How Money Works | Financial Literacy Is a Human Right | CFEd® | Author of The Quiet Edge | Founder, House of Godfrey"

Most people think of their income as a number on a paycheck.Your family experiences it very differently.It’s the house t...
09/24/2026

Most people think of their income as a number on a paycheck.

Your family experiences it very differently.

It’s the house they come home to.

The food in the refrigerator.

The activities your children love.

The college dreams you’re helping build.

The vacations, traditions, birthdays and ordinary Tuesdays that make up a life.

Your income quietly supports almost everything your family is building.

So one of the most important financial questions isn’t only:

What are we doing with our income today?

It’s:

What happens to everything depending on it if that income suddenly stops?

Building wealth takes years. A family’s need for protection exists right now.

Protecting income isn’t about expecting the worst.

It’s about recognizing what your work already makes possible and protecting the people who depend on it.

Five seconds. One question: Does someone depend on your income?Your children. Your spouse. An aging parent. A business p...
09/21/2026

Five seconds. One question: Does someone depend on your income?

Your children. Your spouse. An aging parent. A business partner.

If losing your income would leave them struggling financially, it’s time to take a closer look at life insurance.

Coverage can help replace lost income and support the people who count on you. The amount you need depends on your responsibilities, available savings, and existing protection.

You don’t have to figure it all out in five seconds. But that’s enough time to recognize who you’re protecting.

The same people who underestimate how much life insurance they need, have a tendency to overestimate how much it will co...
09/17/2026

The same people who underestimate how much life insurance they need, have a tendency to overestimate how much it will cost.

Both assumptions can keep families from putting the proper protection in place.

If you were to die prematurely, your family could be left without your income in addition to being without you. Your current savings may not be enough to take care of them.

As a rule of thumb, you should consider having life insurance coverage that’s at least 10X your annual family income.

If you earn $50,000/year, you should consider $500,000 in coverage. At a conservative 5% rate of return, that would replace half of your income.

You might not be able to fully protect yourself from an unexpected illness or accident, but you can protect your income and your wealth.

➩ See and compare what modern term policies can cost by going to https://shopyourterm.com/kenangodfrey

Think the Parkers need an option C? You may be asking the right question.Before choosing term, permanent, or a combinati...
09/15/2026

Think the Parkers need an option C? You may be asking the right question.

Before choosing term, permanent, or a combination, we need to understand their family, finances, and goals.

• Term insurance can help cover needs that have a timeline, such as a mortgage or the years children depend on their parents.

• Permanent insurance can address lifelong protection needs and may build cash value. It generally costs more than term coverage.

Some policies also offer benefits for qualifying long-term care needs, subject to eligibility, policy limits, and possible additional costs. These benefits aren’t automatic.

The answer could be both. It could also be one.

If you've been looking yourself, start with your family’s needs, then compare the options with a licensed insurance professional.

Every family has a hero. You might call yours Mom or Dad.You show up. Work hard. Make sacrifices. And do everything you ...
09/10/2026

Every family has a hero. You might call yours Mom or Dad.

You show up. Work hard. Make sacrifices. And do everything you can to give the people you love a better life.

Life insurance is one more way to be their hero. It can help keep a roof over their heads, food on the table, and their dreams within reach if you’re no longer here.

Protection may be more affordable than you think. Start by learning what coverage fits your family’s needs and your budget.

You don’t need a cape to protect their future. You need the knowledge to act.

At first glance, the question might seem silly. Of course they all matter. But if you had to rank them by importance, wo...
09/08/2026

At first glance, the question might seem silly. Of course they all matter. But if you had to rank them by importance, would your priorities match what you’ve chosen to protect?

In 2026, only 52% of American adults report having life insurance. Yet 38%, representing approximately 92 million adults, say they need coverage or need more of it.*

Cost, competing priorities, and uncertainty about what to buy can all get in the way.

Start by checking what you already have. How much would it pay? How long would it last? What would your family need it to cover?

Financial education helps turn “I think we’re covered” into a clearer understanding of where you stand.

*Source: 2026 Insurance Barometer Study, LIMRA and Life Happens.

Plate 016 — Samuel Smiles, Character (1871). 🏡"Home is the first and most important school of character."Long before sch...
09/08/2026

Plate 016 — Samuel Smiles, Character (1871). 🏡

"Home is the first and most important school of character."

Long before school, before a first job, before a first budget — home is where the real financial education begins.

🌼 Happy Labor Day to all! Today, we acknowledge the hard work and commitment of workers who are at the heart of every co...
09/07/2026

🌼 Happy Labor Day to all! Today, we acknowledge the hard work and commitment of workers who are at the heart of every community. It's a time to reflect on the achievements and contributions that have built the foundations of our success.

Whether you're spending the day relaxing or celebrating with loved ones, let’s take a moment to appreciate the collective efforts that drive progress and innovation. Here's to honoring the workforce and embracing the spirit of unity.

Plate 015 — Benjamin Franklin, The Autobiography. 🛠"Human felicity is produced not so much by great pieces of good fortu...
09/04/2026

Plate 015 — Benjamin Franklin, The Autobiography. 🛠

"Human felicity is produced not so much by great pieces of good fortune that seldom happen, as by little advantages that occur every day."

Franklin knew what actually builds a life well-lived: small, boring, daily advantages — not the big lucky break.

Term or permanent?How much coverage?How long should it last?Those are important questions.But they shouldn’t be the firs...
09/04/2026

Term or permanent?

How much coverage?

How long should it last?

Those are important questions.

But they shouldn’t be the first questions.

Start here:

Who depends on you?

What would you want life to look like for them if you weren’t here?

Would you want your children to stay in their home?

Finish college?

Give your spouse time to adjust?

Keep a business operating?

Continue caring for a parent?

Once the responsibility is clear, the insurance conversation becomes much easier to understand.

That’s why the right coverage shouldn’t begin with a product.

It should begin with a purpose.

Term may solve one kind of need. Permanent coverage may address another. Some families may use a combination.

There is no universal answer because there is no universal family.

Start with the people.

Then choose the protection that serves them.

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2218 Ingleside Avenue
Macon, GA
31210

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+14782508283

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