Soak beans in a large bowl with enough water to cover beans for 8 hours or overnight. Drain beans.
In a large heavy bottom stockpot, combine ham bone, beans, ketchup, Kirkland seasoning, and salt.
Add 8 cups of water; should cover beans entirely. Boil beans on medium high for about 1 hour and then add 4 more cups of water.
Boil beans for another hour and then add the last 4 cups of water. Be sure your beans aren't sticking to the bottom of the pot. I love a thick bottomed pot for this reason.
Cook 1 more hour until beans are tender and creamy. When there are about 15 more minutes to go, add carrots.
Add more salt to taste, if needed. Serve with cornbread. Say Grace and enjoy!!