SeedTime Money (Christian living & Personal Finances)

The most dangerous financial trap isn't overspending. It's comfortable compromise.

After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice.

In this episode, we share:

1. The "50-50 Rule" that transformed our approach to raises and windfalls

2. Why financial "peace" might actually be sabotaging your spiritual growth

3. The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance)

4. How we're implementing a radical month-long sabbatical for our entire team

This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor.

Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit.

Resources Mentioned:

1. "Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp

2. "Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761

3. "The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442 

4. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/wcwEgUNKc0U)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Have you ever noticed that no matter how much money you make, it never seems to be enough?

We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough.

In this episode, we reveal:

• Why having "just a little more" never satisfies (and what to do instead)

• The shocking truth about how you're already richer than John Rockefeller in ways you've never considered

• How Instagram and social media are secretly destroying your financial contentment

• The counterintuitive "no muscle" technique that transforms your relationship with money

• A practical framework for giving that's helped us stay grounded while working toward giving away $1 million

But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more – whether you make $30,000 or $3 million a year.

We also dive deep into practical strategies like:

• Why deleting certain apps might be the key to financial peace

• How to set up "contentment benchmarks" that actually work

• The biblical wisdom behind avoiding both poverty and excess wealth

• A simple gratitude practice that rewires your brain's relationship with money

Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10

Resources Mentioned:

• SeedTime "Count Your Blessings" Merch: https://shop.sdti.me

Bible Verses Referenced:

• Ecclesiastes 5:10

• Philippians 4:11-13

• Proverbs 30:7-9

Frameworks Mentioned:

• The Christmas Gift Rule: Something you want, something you need, something to wear, something to read

• The Age-Based Giving Framework: Giving your age as a percentage of income

• Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary

🗒️This episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dNwT7BKykrA)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since.

Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently.

🔎In this episode, we reveal:

• The powerful mindset shift that changed everything for us

• Why my millionaire mentor drove a 10-year-old car (while I had a brand new one)

• The truth about what really counts as a "luxury"

• The biblical wisdom behind building wealth slowly and strategically

• Why most people's "waiting to save" strategy never works

• The exact method we use to fund our biggest dreams (like our future beach house ministry)

This isn't just about making money—it's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you.

📚 RESOURCES MENTIONED IN THIS EPISODE:

Books:

• "Rich Dad, Poor Dad" by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194

• "Die with Zero" by Bill Perkins - https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765

• "Simple Money, Rich Life" by Bob & Linda Lotich - https://seedtime.com/free

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Scripture References:

1. Proverbs 21:20

2. Proverbs 13:11

3. Proverbs 6:6

🗒️Note: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

The 2-Minute Money Hack That Will Transform Your Giving Forever

Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account.

🔎In this episode, we reveal:

• The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!)

• The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!)

• Real-life examples of how we've used our Seed Account to bless others in unexpected ways

• Why this simple trick makes giving easier and more fun than you ever thought possible

 Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world?

Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today!

📚Resources Mentioned:

• Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl

• Real Money Method - https://seedtime.com/realmoney

• Susie Larson's Show - https://faithradio.com/program/live-the-promise-with-susie-larson/

• Bible Reference: 1 Corinthians 16 - https://www.biblegateway.com/passage/?search=1+Corinthians+16&version=NIV

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎯Ready to start your Seed Account? Here's your action plan:

1. Open a new bank account (savings or checking)

2. Decide on your monthly contribution amount

3. Set up an automatic transfer

4. Pray for guidance on how to use the funds

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/AlBsJ_J-0kM)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friend! Today we are breaking down our "Almost-Free Everything" Method.

🔎Here's what you'll discover:

• The counterintuitive approach to buying luxury items that actually saves you money

• How we turned a $120 Brooks Brothers coat into a financial epiphany

• The three key principles that will transform your shopping habits forever

• Why buying cheap can actually cost you more in the long run

• How to leverage brand power to your advantage (even on a budget!)

🗒️We also dive into:

• How we're making a profit on everyday purchases (and how you can too!)

• The simple question that could save you thousands on your next purchase

📚Resources mentioned in this episode:

• eBay: https://www.ebay.com/ (Our go-to for buying and selling high-value items)

• Facebook Marketplace: https://www.facebook.com/marketplace/ (Perfect for local deals)

• Our book, "Simple Money, Rich Life": seedtime.com/smrl

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎬 Bonus Content: Don't miss our YouTube video on our 5-step strategy for buying used cars! Search for "SeedTime used car buying" on YouTube, or click here: https://www.youtube.com/watch?v=vBdoysHYoNg.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Nxkw_rOMCMc)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we reveal one of the most significant practices that revolutionized our finances and took us from broke to being able to reach our million dollar giving goal: praying scripture over our finances.

🔎We dive deep into:

• The truth about why separating God from your finances is holding you back

• 5 reasons why praying scripture will transform your money (and your life)

• Our personal journey from financial stress to abundance through this powerful practice

• Practical steps to start seeing results in your own life TODAY

Plus, we're giving you our secret weapon: a FREE resource packed with the exact verses, declarations, and prayer starters we used to transform our financial life.

Don't miss this opportunity to revolutionize your relationship with money and invite God's supernatural intervention into your finances!

📚Resources mentioned:

• FREE Prayer & Scripture Resource: https://seedtime.com/prayer

• The Payoff 10K Plan course: https://seedtime.com/10k

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

📖Bible verses discussed:

1. Philippians 4:19

2. Matthew 6:26

3. Psalm 37:25

4. 2 Corinthians 9:8

5. Deuteronomy 31:6,8

6. Proverbs 16:3

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Eu30GlfLY6g)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Are you tired of feeling trapped by debt? What if I told you that the key to getting out of debt isn't just about making more money?

In this episode, we're tackling the question that's keeping millions of Americans up at night: "Why am I still in debt despite my best efforts?"

🔎We're pulling back the curtain on:

1. 5 hidden mistakes that are likely sabotaging your debt payoff journey

2. The shocking truth about minimum payments (and why your credit card company loves them)

3. A powerful strategy that helped one of our community members pay off $10,000 in just 6 months

4. The counterintuitive approach that could transform your finances in the next 30 days

Don't miss this chance to finally break free from the chains of debt and start building real wealth!

📚Resources mentioned:

• The Payoff 10K Plan course: https://seedtime.com/10k

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

📖Bible verses discussed:

• Proverbs 22:7

• Ecclesiastes 4:4

• Matthew 6:25-34

Don't let another day go by feeling trapped by debt. It's time to take action and transform your financial future!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/nlENoTAdbBI)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer."

🔍 Here's what we uncovered:

• The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses

• Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement this in your life)

• The counterintuitive link between prayer and stress reduction in high-pressure leadership roles

• How to create a "prayer culture" in your workplace (even if you're in a Fortune 100 company)

• The untold story of how a small act of obedience in Ukraine sparked a global movement

But here's the kicker: This isn't just theory. We've implemented these strategies in our own organization, and the results have been nothing short of miraculous.

If you're tired of feeling stuck, stressed, or simply not seeing the breakthrough you know God has for you, this episode is your wake-up call.

It's time to stop relying on your own strength and tap into the ultimate source of wisdom, creativity, and power.

Resources Mentioned:

• "Lead with Prayer" by Peter Greer - https://www.amazon.com/Lead-Prayer-Unlocking-Transformational-Leadership/dp/1540902293

• Lead with Prayer website - https://www.leadwithprayer.com

• HOPE International - https://www.hopeinternational.org

• "Praying Like Fools" by Tyler Stanton - https://www.amazon.com/Praying-Like-Fools-Taking-Seriously/dp/0310363926

• "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409989

• "Poverty, Inc." documentary - https://www.povertyinc.org

• SeedTime website - https://seedtime.com

Ready to revolutionize your prayer life and unlock your true potential as a leader? Grab your copy of "Lead with Prayer" now at https://www.leadwithprayer.com

Remember: The world doesn't need more burnt-out leaders trying to change the world in their own strength. It needs leaders who know how to tap into the ultimate source of power, wisdom, and love.

Let's pray like our lives—and the lives of those we lead—depend on it. Because they do.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (https://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Xgfi9ZcfUuE)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development.

In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary.

🔎Here's what we unpack:

• The shocking truth about becoming indispensable (hint: it's not what you think)

• The biblical hack for career success that most people miss

• How a comic strip creator cracked the code to an extraordinary career

But we don't just talk theory. We give you actionable steps to identify and develop your own micro-skills, potentially 10x-ing your value in the marketplace.

Whether you're a seasoned pro or just starting out, this episode is your roadmap to becoming the go-to person in your field. Don't miss out on this career-defining information!

📚Resources Mentioned:

• Comic: Dilbert by Scott Adams http://dilbert.com/

• Bible Verses:

• Parable of the Talents (Matthew 25)

• Proverbs 22:29

• Ephesians 2 (Prayer for enlightenment)

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Remember: Your homework is to identify 5-10 micro-skills you could develop. Start with one this week. Google it, YouTube it, read about it. Then watch as you start crushing it in your career!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/I9e6Nu3kA70)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Picture this: You're at the end of your life, reflecting on your financial journey. What's the metric that truly matters? Is it the size of your bank account—or the lives you've touched through your generosity?

In today's episode, we're tackling a question that could reframe your entire perspective on money: What is your Net Given, and why is it the most important number you're probably not tracking?

We explore the transformative power of tracking your Net Given—every act of generosity, big or small. It's not just about tithes or charitable donations; it's about every coffee you buy for a friend, every birthday gift, every meal you share. By shifting our focus from accumulating wealth to amplifying generosity, we discovered a path to a richer life and a lasting legacy.

🔎 In This Episode, You'll Learn:

1. How redefining financial success can transform your life.

2. The story behind our ambitious goal to give away a million dollars.

3. Practical steps to start tracking your Net Given today.

4. Why small acts of generosity add up to make a big impact.

5. How focusing on giving can lead to true financial freedom.

If you've ever felt that accumulating more isn't fulfilling, this episode is your invitation to flip the script.

📚 Resources Mentioned:

1. Download our free Net Given Tracker Spreadsheet: http://seedtime.com/ng

2. Our Book – Simple Money, Rich Life (Chapter 24 dives deeper into this concept): http://seedtime.com/smrl

3. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎯 Action Steps:

1. Download the Net Given Tracker and start logging every act of generosity: http://seedtime.com/ng

2. Reflect on your financial goals—are they aligned with the legacy you want to leave?

3. Share this episode with someone who needs a new perspective on money.

Remember: It's not about how much you can get; it's about how much you can give. Let's redefine financial success together.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/a9BrXZiOh00)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we are discussing the paradoxical secret to financial success: working less.

We dive deep into the biblical principle of Sabbath and reveal how this ancient practice is revolutionizing modern business and personal finance. 

🔎You'll discover:

• Why top performers are embracing this idea and seeing exponential results

• The counter-intuitive connection between rest and wealth creation

• How we used Sabbath economics to reach our million-dollar giving goal

• The shocking story of a rookie real estate agent who defied industry norms and saw his business explode

• Why your vacations might be leaving you more exhausted (and how to fix it)

Plus, we share our personal Sabbath strategies that have led to major financial breakthroughs and life-changing revelations.

Whether you're a business owner, employee, or somewhere in between, this episode will challenge everything you thought you knew about productivity and success. Get ready to unlock a whole new level of financial abundance and personal fulfillment!

📚Resources Mentioned:

• Book: "The Rest of God" by Mark Buchanan -  https://www.amazon.com/Rest-God-Restoring-Your-Sabbath/dp/0849918707

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m   

Stay tuned for our upcoming merch release and studio makeover! Follow us on social media for sneak peeks and updates.

Remember, sometimes the key to getting ahead is knowing when to stop and rest. Your future self (and your bank account) will thank you!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Lm8ivuzl4WI)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We all dream of living life on our own terms.

But how many of us actually do it?

In this game-changing episode, we sit down with Graham Cochran, author of the new book "Rebel: Find Yourself By Not Following the Crowd," to uncover the invisible force holding you back from your dreams—and how to break free.

🔍 We dive deep into:

1. Why conformity is slowly killing your soul (and how to recognize it)

2. The shocking truth about why your dreams keep dying

3. How Graham went from food stamps to running two 7-figure businesses

4. The "Identity Crisis Intersection" and how to navigate it

5. Why dreaming big is the most rebellious thing you can do

6. The 5 biggest mental scripts sabotaging your success

If you've ever felt stuck in a job that doesn't fulfill you, struggled with a business that drains you, or simply lived a life that doesn't feel authentically yours, this episode is your wake-up call.

It's time to rebel against the ordinary. It's time to find yourself.

Resources Mentioned:

• "Rebel: Find Yourself By Not Following the Crowd" by Graham Cochran - https://www.amazon.com/Rebel-Find-Yourself-Following-Crowd/dp/1400333784

• The Rebel Book website - https://www.therebelbook.com

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/m4OlSg8E7ss)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friend! Today we are talking about:

• The dangerous lie about money that keeps 96% of people financially stagnant
• Why investing isn't just for the wealthy - it's a powerful tool for anyone who wants to make a difference
• The shocking experiment that shows what happens when you give 100 people $10,000
• The simple math function that separates financial winners from losers
• How to shift your mindset from subtraction to multiplication
• The Biblical case for smart investing (hint: it's about more than just getting rich)
• Why the stock market isn't as risky as you might think - and how to approach it wisely
• The life-changing power of compound interest over time
• How to start multiplying your money today, even if you know nothing about investing

Links and resources mentioned:

• Episode 17 of the podcast series (discussing investment risks)
• 10X Investing Course: https://seedtime.com/10x  - and be sure to use coupon code: PODCAST20 (limited time discount)

Plus, we share personal stories of how we overcame limiting beliefs about wealth and learned to see money as a tool for Kingdom impact. Whether you're a financial novice or looking to level up your strategy, this episode will challenge your assumptions and inspire you to become a multiplier.

Is your favorite hobby secretly sabotaging your financial future?

Today, we dive deep into the hidden costs of our pastimes and reveal how strategic hobby selection can impact your financial progress and happiness.

🔎Here's what you'll learn:

• Why I gave up golf at 13 (and how it changed my financial trajectory)

• The shocking truth about identity-driven hobbies

• How to turn your shopping addiction into a money-making machine

• The "paddle sports secret" to living longer (and richer)

• Why your spouse might be nodding their head right now (and what to do about it)

💡But this isn't just about cutting costs. We'll show you how to:

• Transform your passions into profit centers

• Hack your happiness by redirecting your focus

• Unleash the power of "seasonal hobbies" for explosive growth

Warning: This episode might make you rethink everything you thought you knew about work-life balance and personal finance. Are you ready to level up?

 Resources Mentioned:

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m 

Remember, where your treasure is, there your heart will be also. It's time to make your hobbies work for you, not against you.

Ready to transform your free time into a wealth-building machine? Hit play now! 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/f2nTLQBVVmg)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friend,  Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture.

Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice.

Why You Should Listen:

• Family Culture and Rite of Passage Ceremonies: Discover how Chris and Jenni use rite of passage ceremonies to mark significant moments in their kids’ lives, helping to build a strong family identity and culture.

• Real Talk on Marriage and Parenting: We dive into how to keep the spark alive in your marriage, especially when life gets busy, and the importance of speaking life over your spouse and kids.

• Entrepreneurship and Family Finances: Chris and Jenni discuss how their entrepreneurial ventures have influenced their family’s financial life, and how they teach their kids about money through hands-on experience.

• Creating Rhythms in Family Life: The Graebes break down their five key rhythms for a thriving family, focusing on how to bring peace and intentionality into the chaos of everyday life.

Resources Mentioned:

• Book: Rhythm of Home by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Home-Intentional-Practices-Thriving/dp/1641582928

• Book: The Rhythm of Us by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Us-Create-Thriving-Marriage/dp/164158288X  

• Book: The Intentional Father by Jon Tyson - https://www.amazon.com/Intentional-Father-Practical-Courage-Character/dp/0801018684

• Book: Value Creation Kid by Lee Benson - https://www.amazon.com/Value-Creation-Kid-Struggles-Children/dp/1636801463 

• The Crowd Investing Platform: Check out Chris's platform at https://www.crwd.co (to learn how you can invest in early-stage startups)

• John and Stasi Eldredge: Influences behind the Graebe’s rite of passage ceremonies - https://wildatheart.org/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/QL5SWzuLjNQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Want to know the secret weapon of the wealthy?

It's not what you think.

Forget discipline. Forget willpower. Forget complex investment strategies.

The real key? Automation.

In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too.

Here's what you'll discover:

1. The shocking truth about why discipline is overrated in finance

2. How to make hundreds of good financial decisions with just one click

3. The "set it and forget it" strategy that could skyrocket your savings by 56%

4. Why emotional decision-making is costing you thousands (and how to stop it)

5. The simple hack that saved us 130 hours a year on managing our money

6. How we used automation to give away $1 million by age 40

Plus, we're sharing the exact steps you can take TODAY to start automating your finances like a pro.

🔗Resources mentioned in this episode:

1. Book: "Automatic Millionaire" by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085

2. Real Money Method (UN)budgeting system - https://seedtime.com/realmoney

3. 10X Investing course - https://seedtime.com/10x

4. Charles Schwab study on 401(k) automation - https://www.schwab.com/resource-center/insights/content/why-your-401k-should-be-on-auto-pilot

5. American Time Use Survey - https://www.bls.gov/tus/

6. Financial Engines study on unclaimed 401(k) matches - https://financialengines.com/education-center/401k-match-lost/ 

7. SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m 

Remember: The wealthy never depend on willpower. They automate their most important financial tasks. It's time for you to do the same.

Ready to get started? Hit play now.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever wondered if your donations are actually making a difference? We've got news for you:

Your next charitable gift could be 100 times more effective than your last.

No, that's not a typo. 100 times.

In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving superhero.

Here's what you're going to discover:

1. The shocking truth about charity effectiveness (and why some of your donations might be going to waste)

2. Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart)

3. The "Good Soil" principle that could multiply your impact exponentially

4. Why some billionaires say giving money away is harder than earning it (and what you can learn from them)

5. The hidden dangers of generosity (and how to avoid them)

Whether you're dropping a few bucks in the collection plate or planning to give away millions, this episode is your roadmap to maximizing every dollar you donate.

🔗Resources mentioned in this episode:

1. Book: "Simple Money, Rich Life" by Bob and Linda Lotich - https://www.seedtime.com/smrl 

2. Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409988

3. Documentary: "Poverty, Inc." (available on Netflix) - https://www.netflix.com/title/80097120

4. Organization: Charity Water - https://www.charitywater.org/

5. Bible passages:

   1. 2 Corinthians 9:7 (NIV)

   2. Mark 12:41-44 (The Widow's Offering)

   3. Matthew 25:14-30 (Parable of the Talents)

   4. Proverbs 11:25

6. SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m 

Remember, it's not about giving more - it's about giving smarter. Let's make every dollar count.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving deep into the counterintuitive math behind early retirement - the kind of stuff they don't teach you in school.

You'll discover:

1. Why your paycheck size matters less than you think (Sorry, LeBron!)

2. The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals

3. A biblical money hack that's been hiding in plain sight for thousands of years

But here's the kicker: This isn't just theory. We break down real-world examples and show you exactly how to calculate your own number. By the end of this episode, you'll have a powerful new strategy to turbocharge your financial progress.

Ready to transform your financial future? Let's dive in!

🔗 Resources mentioned:

1. Book: "Simple Money, Rich Life" by Bob and Linda Lotich - Available at: https://seedtime.com/smrl

2. Book: "Retired Before Mom and Dad" by Rob Berger - Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2J

3. FIRE (Financial Independence, Retire Early) Movement - Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp

4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

Remember, small actions, repeated consistently, lead to extraordinary results. What 1% change will you make today?

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yewQ7wOkwH8)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time. 

In this episode, we uncover:

• The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think)

• How a 10-minute exercise could save you thousands of dollars and countless hours

• The secret expenses that are quietly eating away at your paycheck

• Why that "golden handcuffs" job might not be as valuable as you think

 We break down the revolutionary ideas from "Your Money or Your Life" by Vicki Robin and Joe Dominguez, showing you how to apply them in today's world. Whether you're dreaming of early retirement, considering staying home with the kids, or just want to make smarter career moves, this episode is your roadmap to financial clarity.

🔥 Resources Mentioned:

1. "Your Money or Your Life" by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766

2. Our Free Newsletter: Sign up at https://seedtime.com for our best financial tips and strategies

3. Bureau of Labor Statistics Consumer Expenditure Survey Check it out: https://www.bls.gov/cex/

4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

Remember, this isn't just about crunching numbers—it's about reclaiming your time and aligning your work with your values. After listening, take 10 minutes to do this calculation for yourself. You might be surprised at what you discover!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-diz2_qrymQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever been told that putting your money in the stock market is no different than taking it to Vegas? We're about to blow that myth wide open.

In this episode, we reveal:

1. Why smart investing could actually be LESS risky than stuffing cash under your mattress

2. The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason)

3. How we went from terrified first-time investors to confidently paying off our house with one investment

4. The shocking truth about long-term market returns that will make you question everything

This isn't just financial advice – it's a paradigm shift that could transform your entire future. Don't miss it!

🔗 Resources mentioned:

1. Our 10x Investing Course: https://seedtime.com/10x

2. Vanguard Study on Long-Term Investing: https://investor.vanguard.com/investor-resources-education/education/market-volatility

3. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-gmo9RLQyvY)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to:

1. Save over $15,000 in interest

2. Score more than $10,000 in free travel

3. Turn our biggest financial burden into a powerful wealth-building tool

But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it.

We break down:

1. Why your credit score might be lying to you (and what to do about it)

2. The "chainsaw approach" to credit cards (and why it works)

3. How we funded our dream of giving away a million dollars using credit card strategies

Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount.

Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom.

Don't miss out on the credit card secrets that could change your financial future forever.

🔗 Resources Mentioned:

1. Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652

2. Free Travel Article - https://seedtime.com/free-travel

3. Credit Card Recommendations - https://seedtime.com/cc

4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dmCyLz-fRt4)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we're pulling back the curtain on a financial hack so powerful, it could put an extra $2 million in your pocket. And it all starts with your next car purchase.

🔎Here's what you'll learn:

• The truth about new cars that dealerships don't want you to know

• Our 5-step formula for buying used cars that look and feel brand new

• How to break free from the paycheck-to-paycheck cycle using this one simple strategy

• The mind-blowing math behind turning car payments into a million-dollar retirement fund

• Why even millionaires choose used cars (hint: it's not about saving pennies)

But we don't just throw theory at you. We break down our exact process.

Warning: LOL - This episode might just revolutionize how you think about cars, wealth, and financial freedom forever.

Resources Mentioned:

• Our book: "Simple Money, Rich Life" - https://seedtime.com/smrl-brp

• Our course: 10X Investing - https://seedtime.com/10x

• CarFax (for vehicle history reports) - https://www.carfax.com

• Kelley Blue Book (for car valuations) - https://www.kbb.com

• NADA Guides (for car valuations) - https://www.nadaguides.com

• 14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/

Remember, your next car decision could be worth $2 million. Don't miss this ride.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime. 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MzyZadQKC2k)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life.

In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal. 

🔎Here's what you're going to discover:

• The ONE book that trumps all others (Hint: It's probably already on your shelf)

• 5 wealth secrets most "gurus" don't want you to know

• How to retire before your parents (without winning the lottery)

• The psychological hack that turns pennies into millions

• Why your 401(k) might be leaving you broke (and what to do instead)

Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers.

P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package. 

Resources Mentioned:

• 5 Wealth Secrets by Craig Hill - https://amzn.to/3JA15Lt

• The Treasure Principle by Randy Alcorn - https://amzn.to/3CNeoV1

• The Automatic Millionaire by David Bach - https://amzn.to/3Psn3ny

• True Riches by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/

• Retire before Mom & Dad by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/

• The Psychology of Money by Morgan Housel - https://amzn.to/3JWbilV

• Our Book: Simple Money, Rich Life - https://seedtime.com/smrl

• 14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime. 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-ZhVM95VvSw)!

If you haven’t checked out our best-selling book Simple Money, Rich Life(https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty.

🔎Here's what you're going to discover:

• The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters)

• Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying

• The surprising area where most people can save a ton of money (hint: it's not what you think)

• How I used this technique to stay afloat after a soul-crushing layoff in 2008

But here's the kicker: This isn't just about cutting costs.

It's about finding HOPE when everything seems to be falling apart.

It's about taking control when the world feels out of control.

It's about transforming panic into peace of mind.

Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience.

Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights.

Let's dive in.🎧

Resources Mentioned:

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (https://www.instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things.

We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.

🎯 Key Takeaways: 

• We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness

• We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on

• We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing

• We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time

• We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point

Resources Mentioned:

• The 4-Hour Work Week by Tim Ferriss (book) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113 

• Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/ 

• Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water 

• Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime. 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/LGtdftpt0yQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life(https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Have you ever felt overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process?

In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results we achieved.

🔍Discover:

• Why minimalism isn't about living with nothing, but about intentionally promoting the things you value most

• How decluttering your home can lead to greater mental clarity and increased enjoyment of your possessions

• The three key platforms I used to sell our items and maximize our earnings

I break down the process I used for each platform, sharing insider tips and strategies to help you achieve similar results. I also explain how this challenge ties into our larger goal of giving away a million dollars, emphasizing the importance of stewardship and maximizing the effectiveness of what you have.

💫The Challenge: Think you can beat my record of making $2,145 in 30 days by selling your clutter? Take on the challenge and email me ([email protected]) with your results for a special surprise bonus!

🎯 Key Takeaways: 

1. Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact.

2. Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom.

3. By maximizing your resources and being a good steward of what you have, you can create opportunities to be more generous and make a positive impact on the world.

Resources Mentioned:

• Blog post: “How I made 2k Decluttering” - https://seedtime.com/how-i-made-2k-decluttering 

• How to use Bookscouter - https://youtu.be/FafS-c4YaRY?si=aXPp7197uyLizprn 

• Joshua Becker: Minimalism Expert - https://instagram.com/joshua_becker 

• Becoming Minimalist: Joshua Becker's blog - https://becomingminimalist.com 

• The Minimalist Home: book by Joshua Becker - https://amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999 

• Clutter Free with Kids: book by Joshua Becker - https://amazon.com/Clutterfree-Kids-thinking-Discover-habits-ebook/dp/B00HYNJKCU 

• BookScouter.com: website and app for selling books - https://BookScouter.com 

• Facebook Marketplace: platform for selling items locally - https://facebook.com/marketplace 

• eBay: global online marketplace - https://ebay.com 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime. 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/TVSjcd-rwg0)!

If you haven’t checked out our best-selling book Simple Money, Rich Life(https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we're sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating.

After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success.

And the best part? It's not just about padding your bank account. The 1% Challenge also enables you to steadily scale your generosity and impact year after year, without ever stressing about the numbers.

In today's episode, we'll walk you through the counterintuitive behavioral science that makes this strategy so absurdly effective, including:

• How the Goldilocks Rule can help you find the "just right" sweet spot for financial growth

• Why the Law of Marginal Gains is the secret weapon of peak performers (and how to apply it to your money)

• The little-known reason why small, incremental changes can actually be easier to stick with than massive, drastic overhauls

We'll also share our dead-simple 3-step process for implementing the 1% Challenge in your own life, starting today. Fair warning: This episode could change your financial trajectory forever.

So if you're ready to put your wealth-building on autopilot, skyrocket your impact, and still enjoy life along the way, you won't want to miss this one.

Resources Mentioned:

• The life-changing "True Financial Freedom" online class: True Financial Freedom | Christian financial class for churches - https://seedtime.com/true 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/8vq_t8agNe0)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, Linda and I dive into a game-changing strategy for staying motivated on your financial journey—celebrating small wins!

If you've ever felt overwhelmed by the enormity of your financial goals or wondered how to keep the momentum going, this episode is for you. We'll unpack why these small victories are crucial and how they can transform your financial journey from a tedious marathon into an enjoyable adventure with God.

🔍 Key Highlights: 

• The Power of Small Wins: Why celebrating small victories can significantly enhance motivation and enjoyment on your financial journey.

• Stay Motivated: If you're struggling to stay motivated on your financial journey, this episode will provide you with actionable strategies to keep your spirits high and your goals in sight.

• Strengthen Relationships: Learn how celebrating small wins can not only help you achieve financial success but also strengthen your relationship with your spouse by working towards shared goals.

• Biblical Encouragement: Receive encouragement and insights from the Bible that reinforce the importance of celebrating progress, no matter how small.

• Practical Tips: Get practical, step-by-step advice on how to set milestones, track your progress, and celebrate your achievements in a way that aligns with your financial goals.

Resources Mentioned:

• Debt Snowball Sheet: Our customizable spreadsheet to help you list all your debts and prioritize which one to pay off next using the debt snowball method. - https://seedtime.com/snowball 

• Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl 

• Harvard Business School Study: Research by Teresa Amabile on the power of small wins and their impact on motivation. - https://hbr.org/2011/05/the-power-of-small-wins 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

🎯Your Challenge:

1. Identify Your Big Financial Goal: What is the significant financial milestone you're aiming for?

2. Break It Down: Divide your goal into smaller, manageable milestones.

3. Track Your Progress: Use our debt snowball sheet or another method to monitor your achievements.

4. Plan Your Celebrations: Define how you’ll celebrate each milestone. Make it something to look forward to!

💫Connect with Us:

• Leave a Review: If you enjoyed this episode, please leave us a review on iTunes, Spotify, or your favorite podcast platform.

• Join the Conversation: Share your thoughts and milestones with us on social media @SeedTime

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/i6DzhXea8ng)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Today we have Jamie Winship (author of Living Fearless) and his amazing wife Donna on!

We go a lot of directions in this one, but summing it up I would say that if you want to END fear in your finances and be inspired in your faith you have to check out this episode.

🔍 Key Highlights: 

• Discover how fear not only influences, but often controls, our financial decisions and what we can do to break free from its grip.

• Learn how understanding your true identity can transform your approach to finances and life.

• The impact of fear on financial decision-making and how it limits Christian generosity.

• Jamie's unique perspective as a "militant peacemaker" and his extensive experience in hostile environments.

• Practical steps and thought experiments on how the average Christian household can contribute more effectively to solving global challenges.

• A deep dive into how nonprofits operate and the challenges of collaboration in the face of abundant resources.

• The transformative power of understanding your identity in Christ and its direct impact on financial and personal freedom.

Resources Mentioned:

•  Jamie's Book: Living Fearless - https://amazon.com/Living-Fearless-Exchanging-World-Liberating/dp/0800740297 

• IdentityExchange.com their website offering numerous resources, including free courses and intensive cohort studies that can help listeners deepen their understanding of their identity in Christ. - https://identityexchange.com 

• Free Course: "Finding Hope in Depression" – A new resource provided by Jamie and Donna, ideal for anyone seeking hope and guidance, especially relevant for Mental Health Awareness Month. - https://identityexchange.com/finding-hope-in-depression 

If you’re ready to challenge your limiting beliefs and step into a life of increased freedom and generosity, this episode is a must-listen. Dive into the heart of what it means to live fearlessly in your finances and beyond. Let’s get to it and may this conversation bless you as much as it has blessed me and Linda!

📢 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sIescTfM6DA)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving deep into a powerful concept that might seem counterintuitive at first—focusing on what NOT to do to achieve financial success. This episode is packed with stories, biblical insights, and practical steps you can apply right away.

🔍 Key Highlights: 

• The Power of What Not to Do: Discover how avoiding certain financial mistakes can be more impactful than any active financial strategy.

• From janitors to boxers, learn how individuals from all walks of life have succeeded or failed financially, often contrary to expectations.

• Linda and I share our personal journey and the realizations that led to our goal of giving away a million dollars by age 40.

• Practical Steps and Tools: We provide actionable advice and discuss tools to help manage and plan your finances more effectively.

Resources Mentioned:

• RocketMoney: A tool for tracking and managing your spending. - https://rocketmoney.com 

• Simple Money, Rich Life: Our book that delves deeper into the strategies discussed in the podcast. - https://seedtime.com/smrl 

• True Financial Freedom Class: A six-week course offered in various churches and small groups to help individuals achieve financial freedom. - https://seedtime.com/tff 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2VK8zxlYG34)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if the key to unlocking true financial freedom isn't found in getting a raise, the latest financial hacks, or paying off all your debt? What if, instead, the answer was simply learning how to pray over your financial life?  Today, we are unpacking 10 areas of your finances (or prayer points) that should be on your prayer list. 

🔍 Key Highlights: 

• The importance of praying for your finances and why it's often neglected.

• Insights into our personal story of job loss and financial recovery through faith.

• How to pray effectively for your financial life.

• Discussion on biblical insights into money and financial decision-making.

Resources Mentioned:

• Free PDF Guide on Financial Prayer: A step-by-step guide filled with scriptures and prayer points to help you begin praying strategically about your finances. - https://seedtime.com/prayers 

• Bible Verses About Money: Explore over 250 Bible verses curated by Bob Lotich - https://seedtime.com/money-in-the-bible/ 

• True Riches by Greg Balmer: A thought-provoking book on materialism in the American church - https://amazon.com/True-Riches-Jesus-Really-About/dp/140020853X 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

We hope this episode inspires you to integrate prayer into your financial life actively. Remember, when we invite God into our finances, we open doors to miraculous possibilities. Tune in, get inspired, and transform the way you handle your finances forever!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/q5KY3VJItJU)!

In this episode, we dive deep into the world of budgeting—not just any budget, but a healthy budget that works for you. Whether you're a budget skeptic or a spreadsheet enthusiast, this episode has something for everyone. Here's what we're unpacking today:

🔍 Key Highlights: 

• 8 Questions To Ask To Determine If You Have A Broken Budget

• Why Most Budgets Fail Within The First 30 Days (And The Simple Tweaks To Make Yours Stick)

• The Counterintuitive Reason Why Budgeting Often Doesn't Work (And What To Do Instead)

Resources Mentioned:

• Our Book Simple Money, Rich Life: Dive into Chapter 7 for a simple guide on setting up a one-category budget to get you started. - https://seedtime.com/smrl 

• Our Real Money Method course offers a fresh perspective on budgeting that has helped thousands of our students find success where other systems failed. - https://seedtime.com/realmoney 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/g722RLd94LU) 

Today’s episode dives deep into the transformative understanding of the two crucial phases of financial progress. This isn't just about money—it's about changing your life perspective and aligning your financial actions with God’s promises.

🔍 Key Highlights: 

• Discover The Two Phases of Financial Progress That Can Make or Break Your Success

• How Understanding This Simple Truth Drastically Increased Our Chances of Reaching Our Million-Dollar Giving Goal

• The Surprising Key to Accelerating Your Financial Progress, Even When You Feel Like You're Going Nowhere

• The Vision Phase: We discuss how this initial phase is about setting sights on what could be, often feeling like you’re not making progress despite your best efforts. It's tough but crucial for setting the groundwork.

• The Momentum Phase: Learn about the tipping point where efforts start paying off more than you put in, bringing a thrilling sense of acceleration towards your goals.

Resources Mentioned:

• "Atomic Habits" by James Clear for understanding the impact of small consistent actions - https://amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

• Connect with Us: Follow and DM us on Instagram - @SeedTime for personalized advice and to share your success stories. - http://instagram.com/seedtime

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/XX3ToY2ibxY)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one!

🔍 Key Highlights: 

• How this little known app Can Put Hundreds Back in Your Bank Account Every Month

• How One Couple Discovered They Were Spending 4X More on Eating Out Than They Thought

• How to spend less without even trying (and take an 80/20 approach to financial tracking)

• Why Tracking Your Spending Is the Key to Financial Freedom (and How to Do It)

• Attention vs. Reality: The Shocking Truth About Where Your Money Is Really Going

Resources Mentioned:

• Rocket Money App - A user-friendly app for tracking expenses (available in both free and premium versions). - https://rocketmoney.com 

• Our Free Tutorial - How to use the Rocket Money tool effectively. - https://seedtime.com/cashflow 

• Our Book "Simple Money, Rich Life" - Delve deeper into our philosophy and strategies by checking out Chapter 4, which covers the topics discussed in today’s episode. - https://seedtime.com/smrl 

• Unbudgeting Program - Explore our Real Money Method for a simpler, more effective approach to budgeting. - https://seedtime.com/realmoney 

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

• Community Engagement - Connect with us on Instagram @SeedTime (http://instagram.com/seedtime), or via email at: [email protected]

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/rrBxEuu7FSk)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friend!  Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast.  

This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here:  https://seedtime.samcart.com/products/10x-live-recording-april-2024/ 

And if you would like to get the discount on the 10x PLUS Investing course, you can grab that here: https://seedtime.com/join

Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down!

🔍 Key Highlights: 

• How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential

• The Simple Mindset Shifts That Allowed Us to Go From Broke to 7-Figure Givers

• Why Your Biggest Financial Obstacle Might Be Your Own Beliefs (and How to Change Them)

• How We Overcame Poverty Thinking to Achieve True Financial Freedom

Resources Mentioned:

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

• The Debt Snowball Method for effective debt payoff - https://seedtime.com/free-debt-snowball-calculator/ 

• Our book: Simple Money, Rich Life - https://seedtime.com/smrl 

For more episodes and resources, visit us at https://SeedTime.com. Let’s continue this journey together towards financial freedom and abundant giving!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2F-qeJ-grCE)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God. Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals.

Here's what we're diving into today:

• Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles.

• Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose.

• Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources.

• Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision.

• Get our FREE AUM worksheet at https://seedtime.com/AUM

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2qi0jYXFzXE)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering. 

• Our wild ride from the edge of financial despair to experiencing financial miracles.
• Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll share the game-changing moments that reshaped our view on money and led to abundance in ways we never expected.
• Dreaming of giving away a million dollars might sound out of reach, but what if I told you it's possible? Let's talk about what happens when your biggest dreams and divine inspiration collide.
• We've got a strategy for financial victory that goes beyond the numbers. It's about mindset shifts and making smart moves. Curious about the twists and turns on that road? We're sharing all.
• Generosity isn't just for those with overflowing bank accounts. We found that giving, no matter where you're at financially, has the power to transform not just the receiver's life but yours too. Let's explore how the joy of giving can be part of your life, regardless of your financial status.
• For us, financial freedom became a tool, not the ultimate goal. It's a means to live out our mission, not the mission itself. What could redefining financial freedom mean for your life and purpose?
• Sometimes, the key to a financial breakthrough is found where you least expect it. We discovered simple yet profound changes that turned everything around for us. I'm excited to share those with you.
• Our financial story is more than just our own personal victory. It's a ripple in a larger pond, a call to action for everyone. Let's delve into how your financial journey can impact not just your life but those around you, in ways you might not even imagine.

Tune in to not just hear a story of financial transformation but to ignite a spark for your own journey towards a richer life in every sense of the word.

• Our True Financial Freedom course: https://SeedTime.com/true 
• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vgPh9xC3KfA)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey there, SeedTime family! It's Bob & Linda here, and we've just wrapped up a fantastic conversation on our latest episode, where we dive into some golden nuggets of wisdom shared by millionaires about managing money, life, and everything in between. 🌱💰

In this episode, we're peeling back the curtain on "Nine (Plus One) Best Pieces of Money Advice Ever Received by Millionaires"—and trust us, you won't want to miss our bonus insight! It's an episode packed with laughs, insights, and some surprising revelations.

🔍 Key Highlights: 

• The Illusion of the Self-Made Millionaire: Discover why the journey to financial success is a team effort and how humility in acknowledging this can transform your perspective.

• Being Proactive vs. Reactive: Learn how shifting from a reactive to a proactive mindset can drastically change your financial trajectory.

• Diversifying Income Sources: Explore the biblical wisdom behind not relying on a single income stream and practical tips for applying this in your own life.

• The Power of Community: Understand the impact of surrounding yourself with successful people and how it can influence your growth and success.

• Lifelong Learning as a Key to Success: Dive into the importance of reading and continuous learning in achieving any kind of success.

• The Paradox of Fear and Action: Get inspired to take action despite fear, with real-life examples of how facing fears head-on can lead to breakthroughs.

Why You Should Listen:

• This isn't just about money; it's about living a life aligned with God's purpose for you.

• Leveraging insights from those who've walked the path of financial wisdom.

• Having a heart open to giving more than receiving.

Resources Mentioned:

• Our special book offer, Simple Money, Rich Life—get your copy for the cost of shipping only! - http://seedtime.com/smrl-brp 

• 10X Investing Course: A simplified approach to investing that has transformed our finances and can do the same for you. - https://seedtime.com/10x/ 

• Article Source: Yahoo Finance - “Self-Made Millionaires: 9 Best Pieces of Money Advice We’ve Ever Received” - https://finance.yahoo.com/news/self-made-millionaires-9-best-120018619.html 

Whether you're navigating the ups and downs of financial planning, looking for ways to increase your giving, or simply seeking encouragement in your walk with God, this episode is packed with valuable lessons and laughs along the way.

🌟Sharing is Caring: Found value in our conversation? Share this episode with a friend who could use a dose of SeedTime wisdom! And if you're ever in Franklin, Tennessee, let's connect—we'd love to meet you!

Stay Blessed, Bob & Linda 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/_ZcopEGKDNY)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

If you’re curious about how millionaires build wealth, this episode is for you. 233 Millionaires were interviewed, and they did this ONE thing from the book of Genesis…

🔍 Key Highlights: 

• Tom Corley's Study: We explore Tom Corley's fascinating study on millionaires, revealing surprising habits that led to their success. 

• Biblical Insights: Drawing parallels between Corley's findings and biblical principles, we delve into uncovering timeless wisdom from Genesis 41.

• Financial Strategies: We break down practical steps to implement these principles in our modern lives, discussing strategies like the 1 percent challenge, the 50/50 rule for raises, and the importance of automating savings.

• Multiplication vs. Addition: Understanding the difference between saving and investing and why moving from addition to multiplication is crucial for long-term financial growth.

• Biblical Stewardship: Emphasizing the bigger picture of financial success as a means to advance God's kingdom and be a blessing to others.

Resources Mentioned:

• Tom Corley’s CNBC article: I spent 5 years interviewing 233 millionaires—here’s the No. 1 career move that made them rich - https://www.cnbc.com/2022/07/31/i-spent-5-years-interviewing-225-millionaires-3-money-habits-that-helped-them-get-rich.html 

• "Millionaire Next Door": A classic book confirming the correlation between savings, investing, and achieving millionaire status. - https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 

• SeedTime’s True Financial Freedom: Interested in diving deeper into these topics with your small group or church? Check out SeedTime.com/true for a six-week journey of financial discovery. - http://seedtime.com/true 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/FzG3V30y_Mo)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

If you're seeking a breakthrough in your finances and wondering what you might be overlooking, this episode is tailored just for you. We've uncovered a pattern, a biblical approach, that seems to unlock God's provision in ways that defy human logic.

Why You Should Listen:

• Discover the often-overlooked biblical pattern behind financial miracles and how you can apply it to your own life.

• Learn about the delicate balance between taking action and trusting God for the outcome, with practical examples from the Bible and real-life scenarios.

• Understand why God's timing and obedience to His calling are crucial components in witnessing miracles in your finances and beyond.

• Get inspired by a compelling testimony of financial breakthrough that defies human logic, highlighting the power of divine intervention when we align our steps with God's direction.

🔍 Key Highlights: 

• The consistent pattern observed in financial miracles, both biblically and in personal experiences.

• The significance of Joshua 1:8 in understanding God's formula for prosperity and success.

• The critical role of our participation in God's miracles, illustrated through stories of Jehoshaphat, the boy with loaves and fishes, and David with his five smooth stones.

• An encouraging testimony of a couple facing insurmountable medical debt and their miraculous journey to financial freedom as they stepped out in faith towards full-time mission work.

• The importance of waiting for God's timing and how it plays a crucial role in experiencing breakthroughs.

• Strategies for hearing from God and understanding His will for your financial life and beyond.

Resources Mentioned:

• The True Financial Freedom class by SeedTime - https://seedtime.com/true 

• The book Simple Money, Rich Life by Bob Lotich - https//seedtime.com/smrl 

• The SeedTime Podcast episode: how to hear from God with your giving - https://youtu.be/eW4-80Fka9I 

Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/SbE6wTNa2SI)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we dive deep with John Mark Comer, author of "Practicing the Way," exploring transformative insights that bridge the gap between our financial lives and our journey with Jesus. 

Why You Should Listen:

• Why “Christian” Doesn’t Mean What You Thought & the Invitation Jesus is Really Offering

• This one thing heals wounds better than church, Bible study, and therapy

• The mistake most Christians make when praying

• Why following Jesus requires you to accept that you will have many unlived lives

• And a lot more...

🔍 Key Highlights: 

• The Apprentice vs. the Christian: We unpack the powerful idea that the term "Christian" might not fully capture the depth of following Jesus. Instead, we explore the concept of being an apprentice to Jesus, embracing learning and growth in a way that transforms our entire life.

• The Misuse of the Word "Christian": John Mark Comer sheds light on how the term "Christian" has been diluted in modern Western culture, often disconnected from the disciple-making Jesus envisioned.

• The Power of God's Love: We discuss how meditating on God's love can profoundly change us, more than decades of striving to be more loving could ever achieve.

• The Role of Spiritual Practices: The conversation takes a dive into practical steps and spiritual practices that can help us access the grace and power of God in our lives, moving beyond knowledge to a lived experience of God's love.

• The Importance of Prayer: We challenge the common approach to prayer as a one-sided conversation, encouraging a deeper, contemplative engagement with God that transcends words.

• The Concept of Renunciation: A thought-provoking discussion on the necessity of renunciation in our lives, especially in the context of discipleship, vocation, and family, highlighting the need to live in alignment with our deepest values.

• Choosing the Way of Jesus: An exploration of how embracing the way of Jesus involves making tough choices about how we live, work, and relate to others, prioritizing what truly matters over societal expectations.

Resources Mentioned

• "Practicing the Way" by John Mark Comer - https://amazon.com/Practicing-Way-Jesus-Become-like/dp/0593193822 

• "Praying Like Monks, Living Like Fools" by Tyler Staton - https://amazon.com/Praying-Like-Monks-Living-Fools/dp/031036535X/ 

• "The Ruthless Elimination of Hurry" by John Mark Comer- https://amazon.com/Ruthless-Elimination-Hurry-Emotionally-Spiritually/dp/0525653090 

💫Connect with Us: For more enriching discussions and resources on living a faith-filled life that honors God with your finances, visit https://SeedTime.com. Interested in connecting with our community or diving deeper with a small group or church? Visit https://SeedTime.com/true for more details on how we can support your journey.

🔊Let's Continue the Conversation: We'd love to hear from you! Reach out to us on Instagram https://instagram.com/seedtime, or send an email to [email protected]. Let's explore how we can continue to grow together in faith and financial stewardship.

Thank you for tuning in to the SeedTime Money Podcast. If this episode has touched your heart or sparked curiosity, consider sharing it with a friend or leaving us a review. Your support helps us reach more people with the message of combining faith and finances in a way that honors God.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/iylvPgx9zUM)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, Linda and I dive deep into a topic that's been on our minds lately: our out-of-control grocery bill. If you've ever found yourself halfway through the month with an empty grocery budget, you're not alone. Here's a glimpse into our conversation and the strategies we're implementing to save $600 per month on groceries:

🔍 Key Topics Covered: 

• Understanding the Root Cause: We reflect on recent events like our vacation to Hawaii and how they contributed to overspending on groceries.

• Inflation Woes: We discuss the staggering increase in food prices, with examples from our recent grocery trips.

• Taking Control with Data: We emphasize the importance of tracking expenses using tools like Personal Capital (now Empower Personal Dashboard) or RocketMoney to gain clarity on spending patterns.

• Snack Strategy: We share our plan to reduce spending on prepackaged snacks by opting for healthier, more cost-effective options like fruits and vegetables.

• Strategic Shopping: We explore the benefits of sticking to one primary grocery store, focusing on cost-effective options like Costco and leveraging sales and seasonal items to save money.

• Meal Planning Mastery: We discuss the value of meal planning to prevent impulse purchases and ensure cost-effective meals.

• Budget Evaluation: We highlight the importance of evaluating the cost of each meal and identifying areas where savings can be maximized.

.

Resources Mentioned:

• Personal Capital (Empower Personal Dashboard): A tool for tracking expenses and gaining insights into spending patterns. - https://seedtime.com/empower 

• RocketMoney: An alternative tool for budget tracking and expense categorization. - https://www.rocketmoney.com/ 

• Costco - (https://www.costco.com/), Trader Joe's - (https://www.traderjoes.com/home), Sprouts (https://www.sprouts.com/), Whole Foods (https://www.wholefo

• odsmarket.com/), Publix (https://www.publix.com/): Various grocery stores discussed for strategic shopping.

• My Interview with a grocery shopping expert: The best times to buy certain groceries. - https://www.youtube.com/watch?v=bGxw8p2vhtk 

If you enjoyed this episode and want to engage further, we'd love to hear from you! Reach out to us on Instagram https://instagram.com/seedtime, or via email at [email protected]. Plus, if you're interested in hosting a six-week session with your small group or church, visit https://seedtime.com/true for more details.

Thanks for tuning in! Don't forget to subscribe, leave a review, and share this episode with friends who could benefit from budget-saving tips. We appreciate your support!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/z8ovGZlWqjA)!

 .

One of our listeners, Michael, is weighing the pros and cons of staying in a beloved ministry job that pays $45k or switching gears for a $90k corporate gig. He asked our advice, so here goes...

🔍 Key Highlights: 

• The Big Decision: Michael's predicament and the universal challenge of choosing between financial security and fulfilling work.

• Asking the Right Questions: We discuss five crucial questions to help you (or someone you know) navigate similar crossroads with clarity and faith.

• God's Guidance vs. Financial Gain: How to align your career choices with your calling and ensure your work serves a higher purpose.

Resources Mentioned:

• Real Money Method Course: A guide for those seeking practical steps to manage finances effectively. - https://seedtime.com/realmoney/ 

• "Simple Money, Rich Life" Book: Dive into our philosophy on money, giving, and living a life aligned with God's calling. - https://seedtime.com/smrl/ 

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (https://instagram.com/seedtime). 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/live/Um_uKpI2OHQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're chatting with Greg Baumer, co-author of "True Riches: What Jesus Really Said About Money and Your Heart" and "God and Money." This is a thought-provoking discussion as we explore the intersection of faith, finances, and finding true contentment in Christ.

• Greg Baumer's Journey: Discover how Greg and his co-author, John, navigated the world of wealth and business at Harvard and how this journey transformed their understanding of money and faith.

• Confronting Materialism: A candid look into how our culture is deeply entrenched in materialism and how this affects our spiritual lives.

• The 'Christian Halo' Over the American Dream: Challenging the common Christian financial narrative that focuses more on material success than spiritual wealth.

• Generosity vs. Coveting: Greg discusses the dangers of coveting and the powerful impact of true generosity in our lives.

• Financial Choices Reflecting Faith: How our spending, saving, and giving can be a testament to our faith and values.

• Identity and Possessions: A personal story from Greg about redefining identity in Christ, not in material possessions.

Resources Mentioned:

• Book: "True Riches: What Jesus Really Said About Money and Your Heart"  by Greg Baumer  and John Cortines - https://amazon.com/True-Riches-Jesus-Really-About/dp/140020853X 

• Book: "God and Money" by Greg Baumer and John Cortines- https://amazon.com/God-Money-Discovered-Business-Paperback/dp/1628624736 

• Generous Giving: An organization focused on spreading the message of biblical generosity and offering retreats like the Journey of Generosity- https://generousgiving.org/ 

Subscribe to the SeedTime Money Podcast for more episodes that empower you to live a financially free and purpose-driven life.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/watch?v=3oVdGMuIWIU)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Back with part 2! And the 10 most common questions we get about adoption.

• Our Adoption Journey: Hear why we chose to adopt, the challenges we faced, and our biggest mistake – not fully understanding the difference between adoption and placement agencies.

• Adoption vs. Placement Agencies: Learn from our experience about the crucial differences between these two and why it matters in your adoption process.

• Costs and Legal Aspects: We delve into the financial and legal sides of adoption, providing real numbers and insights to help you prepare.

• Handling Social Worker Responsibilities: Discover the unexpected role Linda had to play in our first adoption and why having a social worker is vital.

• Emotional Preparation and Faith: We discuss the importance of prayer, trust in God, and emotional readiness for the adoption process.

• Adoption Agency Selection: Insights into choosing the right agency and how to make your profile stand out to potential birth mothers.

• Open vs. Closed Adoptions: Learn from our experiences of having two different types of adoptions and how they impacted us.

• Eligibility Requirements: What you need to know about being eligible for adoption.

• Legal and Custody Issues: Our experience and advice on handling legalities.

• Can Birth Mothers Change Their Minds?: Understanding the legalities and emotional aspects.

• Adoption Process Duration: Insights into timelines and preparing yourself.

• Adoption Costs: Real numbers and tips for financial planning.

• Adopting with Biological Children: What you need to consider.

• Role of Birth Parents: How birth parents are involved in the process.

• Preparing Emotionally: The importance of prayer and an open heart.

• Matching Process: How agencies match children with families.

• Starting the Adoption Process: Practical first steps to take.

Resources Mentioned:

• Adoption Agencies: American Adoptions (https://www.americanadoptions.com/) and Angel Adoptions (https://www.angeladoptioninc.com/)

• Financial Aid: MediShare (and government programs) - https://seedtime.com/medishare 

• Scriptural Reference: James 1:27 (on caring for orphans)

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) 

🌱 Connect with Us:

• Instagram: https://instagram.com/seedtime

• Email: [email protected]

Visit https://seedtime.com/true for more details on joining us for a six-week small group or church session.

Until next time, keep sowing your financial seeds and let’s grow together in God’s plan for our finances! 🌟

Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/live/b_wz-hbwTII)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Adoption. While it might not seem like a typical 'money' topic, trust us, it's significantly impacted our lives, both personally and financially.

💡Episode Highlights 

• Our Adoption Story: We share our journey of adopting two of our children, including the emotional and spiritual revelations experienced along the way.

• God's Hand in Adoption: We discuss how adoption reflects God's love and our adoption into His kingdom, emphasizing the spiritual aspect of this journey.

• Challenges and Realizations: From emotional struggles to practical hurdles, we delve into the complexities of the adoption process.

• Debunking Myths: We challenge common misconceptions about adoption, emphasizing that it's not a 'plan B' but a beautiful, divinely-guided path.

• Birth Mothers' Perspectives: Understanding and respecting the birth mothers' experiences and decisions are crucial in the adoption journey.

• Listener Questions Answered: We address 10 frequently asked questions about adoption, offering insights from our personal experiences.

👋 Want More Bob and Linda?

• Join us for a 6-week journey with your small group or church. Visit https://seedtime.com/true or DM us on Instagram https://instagram.com/seedtime.

📝Join Us Next Time: 

Don't miss the next episode, where we reveal our biggest adoption mistake and delve deeper into your burning questions about adoption.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/live/b_wz-hbwTII)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Want 12 FREE flights on Southwest this year?  It is far easier than you think, and in this episode we are breaking down how we are doing this and how you can too.

Resources Mentioned:

• SeedTime’s Free travel article: Dive deeper into our exact travel strategies. - https://seedtime.com/free-travel/ 

• Southwest Companion Pass: Get all the details about this extremely RARE promotion - http://seedtime.com/sw 

• Our Passive With Purpose workshop: https:SeedTime.com/pwp

🔍 Key Highlights: 

• Our Journey with Free Travel: We're sharing our personal experiences and strategies for traveling for free. From flights to hotel stays, we've mastered the art of maximizing rewards.

• The 80/20 of Travel Hacking: We'll discuss how we focus on efficiency and simplicity rather than getting bogged down in complex travel hacking techniques.

• The Power of Points: Learn why not all points are created equal and how understanding the nuances can unlock incredible travel opportunities.

• Southwest Companion Pass Promotion: Discover how Southwest Airlines is offering a game-changing promotion that could land you a companion pass for a year.

• Credit Card Wisdom: While we're all about maximizing rewards, we'll also touch on the importance of responsible credit card use and share our three golden rules.

As always, thanks for tuning in, and don't forget to share this episode with friends and family who could use some financial wisdom. Until next time, stay blessed and keep thriving!

Watch this episode on our SeedTime Money Podcast YouTube channel 9https://youtube.com/live/wAVVjSdSNXM)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we're excited to dive into the heart of why SeedTime exists and share our 40-year vision with you.

🔍 Key Topics & Questions Covered

• Clarifying the SeedTime Mission: Understanding the 'why' behind our brand and its evolving journey.

• Personal Reflections: How Bob and Linda's 18-year journey has shaped SeedTime's vision.

• The SeedTime Credo: A powerful statement reflecting our goal of inviting God into our finances.

• The Impact of Christian Generosity: Discussing the potential cultural and societal changes when Christians become the most generous faith group.

• Redefining Culture through Faith: The role of Christian values in influencing culture, with examples from Chip and Joanna Gaines.

• The Practical Side of Faith and Finances: How managing finances according to God's will can impact adoption, foster care, and personal decisions.

• The Personal Touch: Linda's insights on balancing material desires with spiritual commitments.

Resources Mentioned:

• SeedTime Website: Visit https://seedtime.com for more resources and information.

• SeedTime Small Group Experience: Learn how you can bring this transformation to your small group or church at https://seedtime.com/true.

🤝 Connect and Contribute:

• Have a prayer request or want to join a conversation? Reach out to us on Instagram at https://instagram.com/seedtime.

• Your reviews help us grow and reach more people — please consider leaving one!

🌟 Special Offer:

• Interested in a 6-week group session with us? Visit https://seedtime.com/true for more details.

💬 Final Thoughts: This episode is not just about managing money; it's about shaping lives and communities through God-led generosity and wisdom. It's a call to action for every Christian to rethink their financial habits and its broader impact. This episode is a must-listen for anyone seeking to align their financial practices with their faith.

🌱 SeedTime Money Podcast — where faith meets finance, and where your money journey transforms not just your life, but the world around you.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/Sr3umhJEQlI)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Join me for a FREE passive income workshop on Feb 22 by enrolling here: https://SeedTime.com/pwp

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/X0k17Gfs10A)!

1. Today's story is a true testament to faith, trust, and the unexpected ways God works in our finances.  2. Pardon the 'iPhone in a bathroom' sound of the mic today LOL - we had an issue and should have it fixed going forward!

A little of what we are talking about...

• A Surprising Email: Discover the story of a SeedTime listener who faced an unexpected financial dilemma—being overpaid by $20,000!

• A Test of Faith: Hear how this situation turned into a powerful test of faith and trust in God's provision.

• Deep Insights: Linda and I dive deep into what true financial freedom means and how it's more about heart condition than bank account balance.

• Real-Life Application: Learn how to handle financial surprises and tests with grace and trust in God.

Resources Mentioned:

• SeedTime courses - https://seedtime.com/courses

• Our Book: Simple Money, Rich Life - https://seedtime.com/smrl 

• Grab a copy of our Assets Under Management (AUM) sheet - https://seedtime.com/smrl-aum 

🌟 Connect with Us:

• Share your stories and questions: Email me at [email protected] or DM on Instagram @seedtime- https://instagram.com/seedtim e

• Join our community: Interested in diving deeper into these topics with your small group or church? Visit https://seedtime.com/true for details on how we can serve your group.

Remember, this journey isn't just about becoming debt-free or accumulating wealth; it's about aligning our hearts and finances with God's purpose. This episode is a powerful reminder that our financial journey intertwines deeply with our spiritual walk. So, tune in, get inspired, and let's continue to grow together in faith and financial wisdom!

Stay blessed and keep seeking God in all aspects of your life, including your finances!

Exciting News: We're working on SeedTime merch! Have any T-shirt ideas or know a great designer? Let us know!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/HwJqj3MGVow)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, I'm thrilled to have my friend and teen money expert, Derek Kinney, join me for a deep dive into teaching teens about money management.

Whether you're a parent to teens or just starting to educate your younger kids about finances, this episode is packed with insights, strategies, and real-life examples to guide you through this critical journey.

📢Here's what you'll discover:

• Earnings vs. Allowance: Derek shares his philosophy on this crucial aspect, emphasizing the need for teens to understand the value of earning and contributing to the family.

• Financial Mistakes as Learning Tools: We discuss the power of sharing our financial failings with our kids, making us more relatable and teaching important lessons.

• Wants vs. Needs: How to help teens distinguish between these, using relatable examples like brand preferences and consumer behavior.

• Credit Card Wisdom: We dive into the responsible use of credit cards, teaching teens to view them as tools rather than temptations.

• Preparing Teens for the Real World: Derek introduces his program, 'Simple Teen Success', a comprehensive guide to equip teens with essential life, business, and money skills.

• Personal Parenting Insights: We share our personal experiences and epiphanies in parenting teens, especially during their crucial senior year of high school.

🎧Compelling Reasons to Listen:

• Discover practical strategies to teach your teens about financial responsibility.

• Learn how to use your financial mistakes as powerful teaching tools.

• Get insights on preparing your teens for real-world challenges, beyond academic success.

• Understand how to guide your kids in using credit cards wisely.

• Hear about an innovative program designed to equip teens with essential life skills.

🎯Resources Mentioned:

• Simple Teen Success Program: A subscription-based resource offering courses and live streams on business, money, and life skills for teens. More details at https://simpleteensuccess.com.

• Free Downloadable Guide: "Five Strategies to Win in Life for Teens," available at https://simpleteensuccess.com.

In this episode, we've uncovered valuable insights and tools not just for teens, but also for us as parents. It's about partnering in our children's financial education journey, using our experiences and the resources available to us. Join Derek and me in this engaging conversation, and let’s empower the next generation together!

Connect with Us: If this episode resonates with you, or you know someone who might find it helpful, please share it. You can reach out to us at [email protected] or via Instagram: https://instagram.com/seedtime

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MWuX4laIhdY)! 

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Broadcasting from sunny Hawaii, we're diving into a story that beautifully illustrates God's creativity and provision.

🎯Resources Mentioned:

• SeedTime's Net Given Tracking Sheet: A tool to track your blessings and giving. Available at: https://seedtime.com/ng

• Our Book, "Simple Money, Rich Life" (https://seedtime.com/smrl: Discover more about financial freedom and giving in Chapter 26.

• True Financial Freedom Class: Our flagship class designed for individuals and groups, focusing on fulfilling your God-given purpose and breaking free from hidden money beliefs. Details at https://seedtime.com/TFF

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/qC4azFKNS7E)!

In this episode, we're diving into a thought-provoking topic: "If We Lost It All: The 7 Things We Would Do." 

In This Episode, We Discuss:

• The Power of a Favorite Sweatshirt: Discover why Linda's Aloha sweatshirt symbolizes more than just comfort.

• Responding to Financial Setbacks: We open up about how we would rebuild from scratch, sharing our personal strategies and mindsets.

• Practical Steps to Financial Recovery: From survival budgets to leveraging social media, learn actionable steps to regain financial stability.

• The Role of Faith in Finances: Explore how our faith shapes our approach to financial challenges and opportunities.

• Maximizing Resources and Opportunities: Tips on focusing efforts for greater impact in rebuilding.

• The Importance of Unity in Marriage: How working together as a couple can strengthen your financial and spiritual journey.

🎯Resources Mentioned:

• Better Life Podcast by Brandon Turner: A great source of inspiration aligning with our mission. - https://abetterlife.com/podcast/ 

• Simple Money, Rich Life: Our book offering a comprehensive guide to managing finances God's way. - http://seedtime.com/smrl 

• https://SeedTime.com/Prayer: Find our free PDF with prayer starters and financial verses.

• Write Useful Books: A recommended read for anyone interested in writing impactful books - https://writeusefulbooks.com/ 

Subscribe & Review: If this episode has helped you, please subscribe and leave a review on iTunes. Your feedback helps us reach more people and continue our mission!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/VqMHIMbpPCs)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we are chatting with Jordan Raynor, as we dive deep into his new book, "The Sacredness of Secular Work," and explore how our everyday jobs impact eternity.

I love our conversation (and think you will too) as it challenges the conventional view of work as just a means to an end and encourages us to find divine purpose in our professions.

Key Topics Discussed 🔑

• Redefining Work in God's Kingdom: Jordan discusses how every profession, from baristas to CPAs, holds eternal significance. This challenges the notion that only 'ministry' work is meaningful for Christians.

• Impactful Stories & Examples: Hear about individuals like Chassie, who found her calling as a hairstylist, and learn how embracing our God-given talents can lead to greater fulfillment and opportunities to witness.

• Debunking the Great Commission Misconception: Jordan addresses the modern church's narrow interpretation of the Great Commission and its impact on believers' view of their work.

• Eternal Rewards and their Importance: A fresh perspective on why Christians should eagerly pursue eternal rewards as instructed by Jesus.

• The Concept of the 'Anti-Bucket List': Jordan introduces the idea of focusing on eternal priorities over worldly experiences.

• Practical Application: How these revelations can profoundly affect our daily lives and work.

Resources Mentioned 🎯

• Book: "The Sacredness of Secular Work" by Jordan Raynor - https://www.amazon.com/Sacredness-Secular-Work-Matters-Eternity/dp/0593193091 

• Scriptural References: Extensive biblical insights provided, including Isaiah 65, Ephesians 6, and more.

Where to Find the Book 📖

"The Sacredness of Secular Work" is available wherever books are sold or visit https://JordanRaynor.com for more information.

Tune in now for this inspiring episode on the SeedTime Money Podcast and redefine how you view your work and its eternal significance!

 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ptCUNsrnNRc)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends! 

It's a Linda-only episode today. And I am excited to share something that I've had on my heart about this!

📢Here's what we'll cover:

• A Deep Dive into "The Knowledge of the Holy" by A.W. Tozer: I share my reflections on this impactful book that explores God's attributes in ways you might have never considered. It's a must-read for anyone looking to expand their understanding of the divine.

• God's Imagination vs. Ours: Discover how our creativity and imagination are actually reflections of God’s own creative power, putting our capabilities into a humbling perspective.

• God's Attributes Beyond Our Understanding: Delving into the attributes of God that we, as humans, might not fully grasp due to our earthly limitations.

• Jehovah Jireh - Our Provider: A powerful discussion on how God provides for us in multifaceted ways, beyond our conventional understanding of provision.

• Practical Reflections on Finances: I share personal anecdotes about looking beyond financial challenges and recognizing God's provision in unexpected ways.

• A Reminder for the Holiday Season: As we navigate the pressures of spending and consumption, I encourage you to remember that our ultimate provider isn’t the material world but God himself.

🎯Resources Mentioned:

• "The Knowledge of the Holy" by A.W. Tozer - https://www.amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/2Pu7zZFcq94)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey there, SeedTime family!

If you're a business owner, freelancer, or just curious about the tools that we use make our business thrive, this episode is for you!  And if you have any tools or apps that you love in this area please send us a DM on Instagram https://instagram.com/seedtime

🎯Resources Mentioned:

• Gusto Payroll - $100 signup bonus - https://seedtime.com/gusto 

• Relay Business Banking - $50 signup bonus - https://seedtime.com/relay/ 

• Asana - https://asana.com 

• Notion - https://www.notion.so/ 

• Medi-Share- https://seedtime.com/2/medishare.php 

• Slack- https://slack.com 

• WP Engine - https://seedtime.com/2/wpengine.php 

• Canva- https://canva.com 

• Later- https://Later.com 

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Join our flagship class, True Financial Freedom, for more insights on aligning your finances with your God-given purpose. Check it out at https://seedtime.com/tff.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/hMUkSAK-DQs)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, today I'm taking a deep dive into my personal journey, sharing heartfelt and sometimes humorous stories from my childhood about growing up in financially tight circumstances. This isn't just about the struggles, but about the invaluable lessons learned and the hope that shines through. 

🔑 Key Takeaways:

• The Importance of Perspective: Recognizing that someone always has it worse and the power of counting your blessings.

• The Cost of Being Broke: Insight into how financial struggles can lead to further expenses and the cycle of poverty.

• Choosing Your Hard: Deciding between the difficulty of staying in financial hardship and the challenge of working your way out of it.

• The Power of Working Smart: Understanding that hard work is valuable, but directing efforts in the most effective way is crucial.

• Overcoming Financial Identity: How to avoid letting financial struggles become a defining part of your identity.

• Strength from Hardship: Recognizing that difficult experiences can lead to growth and resilience.

🎯 Resources Mentioned:

• Real Money Method Course: Our unique approach to managing finances effectively. - https://seedtime.com/realmoney 

• Previous Podcast Episode Valley of Disillusionment - https://youtube.com/live/7Isf9aD9Cvo?si=3um2PzhiUWYhKl9C 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MhIkjaP79nI)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode,we share a personal conversation with a reader who's grappling with this tough situation, and I offer some practical, heartfelt advice based on their specific circumstances.

📢Here's what you'll discover:

• The Reader's Dilemma: An in-depth look at a family facing bankruptcy, struggling with debt, and trying to make ends meet.

• Budget Breakdown: Tips on reducing expenses in various categories like groceries, transportation, and childcare.

• Income Generation Ideas: Creative solutions for increasing income through gig work, leveraging assets, and cutting back on non-essentials.

• Managing Debt and Bankruptcy: Insights into navigating Chapter 13 bankruptcy and planning for a financially stable future.

🎯Resources Mentioned:

• Get Upside app: Get cash back on everyday necessities - https://upside.com 

• GasBuddy app: for saving on fuel- https://gasbuddy.com 

• Consumer Reports: for buying reliable used cars- https://consumerreports.org 

• "The Knowledge of the Holy" by A.W. Tozer - https://amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906/ 

• Our book: Simple Money, Rich Life - https://seedtime.com/smrl 

• Our class: True Financial Freedom class - https://seedtime.com/tff 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/7o5VQhAsGjA)! 

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we dive deep into a topic that's been stirring up a lot of questions and curiosity: Cryptocurrency, especially Bitcoin, and its place in the world of Christian finance. With Bitcoin's price nearly doubling in the last 3 months, it inevitably gets people interested and I have been getting more questions like:

1. Should Christians invest in Bitcoin?

2. What does the Bible say about Cryptocurrency?

3. Is crypto okay for Christians to invest in?

And so I wanted to take a few minutes today to give my thoughts on it. 

📢Here's what you'll discover:

• How it might be similar to an investment that Abraham had

• What the Bible says (or hints at) about crypto

• The fine line between gambling and investing, and how this distinction is critical here 

• Whether or not it is the one-world currency the Bible speaks of in Revelation

• Why it is an especially bad idea for certain people

• What I am personally doing right now

🎧 Reasons to Listen:

• For Clarity and Direction: Whether you're a crypto-curious Christian, a skeptic, or somewhere in between, this episode offers a balanced, biblically-informed perspective on cryptocurrency.

• Educational and Empowering: Gain valuable insights from my extensive research and personal experiences in crypto investing, tailored for our Christian community.

• Practical Tips and Tools: Learn how to approach crypto investing wisely and in alignment with biblical principles.

🎯Resources Mentioned:

• I just published an article here unpacking my thoughts on this topic of whether or not Christians should be involved with Crypto.- https://seedtime.com/christians-and-crypto/ 

• 10X Investing Course: A comprehensive guide to smart investing, from the basics to advanced strategies.- https://seedtime.com/10x 

• Cryptocurrency Essentials Mini Course: A curated compilation of over 100 hours of crypto research, simplified for your understanding.- https://learn.seedtime.com/courses/crypto-essentials 

• SeedTime Crypto Article: Crypto. The future? A hyped bubble? & a look at how I am investing in it- https://seedtime.com/crypto/ 

• Article from Sharecast: Providing additional insights into the nature and future of Bitcoin.- https://sharecast.com/promoted/cryptocurrencies/is-bitcoin-fulfilling-a-biblical-prophecy.html 

Interested in these resources? Email me at [email protected] or DM: https://instagram.com/seedtime on Instagram.

Invite your friends and family who are curious about crypto to listen to this episode and the one from January 21st, 2023, for a thorough understanding of cryptocurrency from a Christian perspective. Let's navigate these waters together, equipped with knowledge, wisdom, and faith!

I think there are a lot of angles and a lot to explore here so I’d love to hear where you are on this in the comments section as well.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-tzAH_w_4Vw)! 

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we want to explore an observation from a multi-billionaire about housing that we find to be fascinating. Hope you find this as interesting as we do!!

🎯Resources Mentioned:

• Our book, "Simple Money, Rich Life"- https://seedtime.com/smrl 

• Podcast: Walk in Love by TJ and Brooke Mousetis - https://www.walkinlove.com/podcast 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/0tRffj5NonQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Even if you don't consider yourself to be a speaker, you probably are. Most of us all talk to people a LOT - from coworkers to friend groups to our families, and we can all grow in our ability to communicate.

Christy Wright is an author, certified business coach, and world-class professional speaker.

You might also know her from the decade or so she worked with Dave Ramsey's team.

So whether you are a business leader, content creator, volunteer leader, or just a leader in your household, you could probably sharpen up your speaking skills, and this episode is going to help you do that.

So earlier this year, Linda and I gave a 5-minute offering message at our church, sharing about a revelation we had about giving. In this episode, Christy is coaching us on how to make it better and improve our communication and speaking skills.

This episode was EXTREMELY high value for us, so I pray that you will get the same benefit from it that we did!

And when you are done listening, head over to Christy's website to grab her free PDF "The top 10 mistakes all speakers make" - https://christywright.com/speaking

• The Importance of Effective Communication: We all communicate daily in different settings. Learn why honing this skill is crucial.

• Overcoming Communication Challenges: Insights into common hurdles and how to navigate them effectively.

• Practical Tips for Public Speaking: Christy breaks down strategies to improve public speaking, including body language and audience engagement.

• Applying Communication Skills in Everyday Life: How to use these skills in regular interactions with family, colleagues, and in ministry.

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/xHnA3Jf8j70)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, I'm diving deep into the world of business savings accounts and how you can make your money work harder for you and your faith.

With interest rates climbing, I've scoured the market to find the best options for your business savings – and I can't wait to share these gems with you. Whether you're a seasoned business owner or just starting, this episode is packed with valuable insights and practical tips to enhance your financial stewardship.

Key Topics and Questions:

• The State of Business Savings Accounts: How have rising interest rates affected the options available for business savings? I delve into the current landscape.

• Discovering High-Yield Options: I share my personal journey of finding business savings accounts that offer more than the standard 0.1% interest rate, including some that offer up to 4%.

• Bank Selection: Why did I choose Relay Bank for my primary business checking account, and what makes them stand out in the market?

• Top Business Savings Accounts: I discuss my top picks, including LiveOak Bank, Axis Bank, and the unique Wesleyan Investment Foundation.

• Balancing Returns and Risks: Understand the balance between high returns and the security of FDIC insurance.

• My Personal Finance Moves: Find why I chose the bank I did my business savings and why I didn't choose the other options.

Resources Mentioned:

• Relay Bank: A standout option for business banking with a savings rate higher than most.- https://seedtime.com/relay/ 

• NerdWallet Article: Provided crucial information in my research for high-yield savings accounts- https://nerdwallet.com/best/small-business/business-savings-accounts 

• LiveOak Bank: Offering a 4% business savings account and a 6-month business CD with over 5% interest.- https://liveoakbank.com/business-banking/business-savings/ 

• Axos Bank: A good choice for those with an existing personal account, offering a 4% business savings account with a $5,000 minimum deposit.- https://axosbank.com/Business/Small-Business-Banking 

• Wesleyan Investment Foundation: A unique investment opportunity for Christians, offering up to 6% interest while supporting church loans.- https://wifonline.com/ 

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/cBWL5T1XxpY)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

With Mint.com closing its doors, many are left wondering, "What now?"

Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today.

Here's a sneak peek of what we cover in this episode:

• The Limitations of https://Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a lack of built-in accountability. This lack of consequences for overspending makes it easier to deviate from your budgeting goals.

• Our Go-To Financial Tracking Tool: Discover the power of the Empower Personal Dashboard, our primary tool for the past decade. It's a free, comprehensive app that excels in financial tracking, overshadowing what Mint offered.

• Revolutionizing Budgeting with The Real Money Method: Learn about our unique approach to budgeting, which doesn't rely on traditional apps, envelopes, or spreadsheets. We share how this method promotes unity in finances and simplifies money management, making it quicker and more effective.

Resources Mentioned:

• Empower Personal Dashboard: Our top recommendation for financial tracking.- https://seedtime.com/2/empower.php 

• The Real Money Method: A budgeting approach that ditches complexity for simplicity and effectiveness.- https://seedtime.com/realmoney 

• Check out the details and enroll here to transform your financial life. Get 20% off our Real Money Method Training Program with code MINT20.0 - https://seedtime.com/realmoneymethod 

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Don't miss out on this episode full of practical advice and real-life stories that will inspire you to take control of your finances in a way that aligns with your values and lifestyle. Tune in to find out how you can start writing your own success story today!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ZP7-VEEgQ-o)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

I have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven’t heard, basically it is a debit card that provides “Z-Bucks” that can be used to buy everyday items.

In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year…

I have some friends who are using it and who are excited about it, but I always do my own due diligence and go with my intuition and I am not feeling good about it.

These are the red flags and the reasons I am passing on Tranzact (and make sure you listen til the last one, because it is the nail in the coffin for me.)…

• Tranzact Rewards Debit Card: An overview of the card, its features, and the claims made by the company - https://tranzactcard.com/ 

• Our Courses: here at SeedTime - https://seedtime.com/courses/ 

• Temu: online marketplace - https://temu.to/m/uzjjld5k7io 

• Richard Smith charged with securities fraud in 2010 - http://www.kleinutah.com/wp-content/uploads/2009/11/Criminal-ProbCauseAff-Aug13101.pdf 

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/KEEkZthci7E)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving deep into the Parable of the Talents and how it holds the keys to succeeding as a Christian—yes, even in your finances. So pull up a chair, grab your Bible, and let’s get started.

• Are you struggling with managing not just your money but your time, relationships, and other God-given resources?

• Do you feel like you're holding back from multiplying your God-given talents out of fear?

• Want to discover how divine mandates can shift your perspective and align your life more closely with God's purposes?

Here's What We're Covering:

• Intro to the Parable of the Talents

• Where to find it: Matthew 25:14-29 (New Living Translation for readability)

• The overlooked depth of this parable beyond just finances

• How this parable aligns with teachings on the end times

• The Characters and Their Significance

• The Master (God), The Servants (Believers), and The Talents (Resources)

• Delegating according to abilities: what does it mean for us?

• Key Themes You Can’t Ignore

• Stewardship: Managing what you’ve been entrusted with

• Investment: The principle of growing your God-given talents

• Accountability: Yep, you will be held responsible

• Modern-Day Relevance

• Pushing back on today's "me, myself, and I" culture

• The immediate application for Christians today

• Fear vs. Faith

• Personal stories of how fear held me back

• Why stepping out in faith isn't the same as taking a risk

• Divine Mandates vs. Good Advice

• This is not just some good life advice; this is about aligning ourselves more closely with God's purposes.

By the end of this episode, my hope is that you won’t just think of this parable as a "money lesson" but see it as a guide on how to be more in tune with God's purposes in every aspect of your life, including your finances. Let’s bust some myths and dig into the life-transforming wisdom that this parable holds.

• YouVersion Bible App: Search for my plans under 'Bob Lotich' or 'SeedTime' to find our newly released devotional about the Parable of Talents. - https://www.youversion.com/ 

• New Living Translation (NLT) Bible: The version I used for today's reading, which makes the text super accessible. - https://www.bible.com/versions/116-NLT-new-living-translation 

Hey, if this episode blesses you, it's going to bless others too. So share it with your friends, your family, and anyone else you think needs to hear it. Until next time, take care and God bless!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/1rFETI90xzA)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We're diving deep into a topic that's both controversial and unavoidable: credit cards. Today, we just want to share our own take on credit cards. No fluff, no shaming—just our honest thoughts.

Listen to this episode if you want an open, authentic discussion on a topic many consider taboo but is nevertheless something we all have to deal with. Whether you love 'em or hate 'em, after this episode, you’ll have a more nuanced perspective on credit cards. Trust us; you won’t want to miss this one!

Resources Mentioned:

• Our email list: The best deals, practical tips, and spiritual insights are all there. To join, head over to https://SeedTime.com/subscribe

• Bible Money Matters Blog: An old friend's financial blog that even got Dave Ramsey to comment once. - https://www.biblemoneymatters.com/ 

• Our book: Simple Money, Rich Life -  https://SeedTime.com/smrl

• Our article: Our 3 Simple Rules for Credit Cards - https://seedtime.com/credit-card-rules/ 

P.S. If you haven't already, don't forget to subscribe to the podcast so you won't miss out on any future episodes that will help you manage your God-given resources better!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/g-HCqZrthXw)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, I'm unpacking some of my personal money-saving hacks that can keep your wallet happy during the most wonderful (and expensive) time of the year. 

Resources Mentioned: 6 apps, tools, and ideas I have used to save thousands over the years!!

1. Rakuten: $40 signup bonus, but you have to go through our link because they don't make it publicly available - https://seedtime.com/rakuten 

2. Honey: A browser extension that automatically finds and applies coupon codes at checkout for over 30,000 shopping sites - https://www.joinhoney.com/ 

3. CamelCamelCamel: Amazon price tracker that shows you the price history of items, so you know if you're getting a good deal - https://camelcamelcamel.com/ 

4. Slickdeals: A community-driven deals website where users share and vote on the best deals- https://slickdeals.net/ 

5. Our Real Money Method (un)budgeting course: this is the course where we go behind the scenes of how we actually manage our money month to month - and this method has kept us from NOT going into Christmas debt ever since we started using it - https://seedtime.com/realmoney/ 

6. Shopping during Black Friday window - this is generally when the best deals are, so focus your shopping around this time.

🎯Bonus Resource: Need some gift ideas for the person who has everything? Check this out: https://seedtime.com/the-top-10-christmas-gift-ideas/

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/vergtgUg-Ug)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In today's episode, we had a super raw and real conversation about how to change who you will become in the next five years. The key? Taking a hard look at the inputs in our lives. Before we dive in, a HUGE shoutout and Happy Birthday to Linda! 🎉

🎙️ In this episode, we cover:

• The importance of growth and change in our journey with Jesus.

• The iconic quote about how we are the sum of our five closest friends and the books we read. But is that all there is to it?

• How we can think about "inputs" in our lives more broadly - from friends, to social media, to the shows we watch, and of course, our faith.

• Why merely thinking positive might not be enough. The surprising power of avoiding negativity.

• Our thoughts on TikTok and a fun theory we heard (no shade to the TikTok lovers out there!).

• Three actionable ways to become a better version of yourself in the next five years:

• Decide to make an intentional change.

• Eliminate the negative inputs that hold you back.

• Increase positive inputs and surround yourself with those who lift you up.

• A personal story about the challenge of finding the right friends and how being intentional about it can make a world of difference.

• The underrated value of books and why I'll forever advocate for them. 📚

• A mindset shift about the timeframe of change and how our lives can be radically different in five years.

Resources Mentioned:

• Jim Rohn - https://www.jimrohn.com/ 

• Chris Farley's "Van Down by the River" SNL skit - https://www.nbc.com/saturday-night-live/video/motivational-speaker/n9691 

• Berkshire Hathaway annual meeting - https://www.berkshirehathaway.com/meet01/visguide2023.pdf 

💡 Final thoughts: Growth requires effort, intentionality, and sometimes discomfort. But remember, God's got you through it all. Whether you're in a season of growth or you feel a bit stuck, I hope this episode inspires you to evaluate, change, and march toward the best version of yourself.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/8v7ro8pzrEs)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This simple story from my devotional has been one of the most impactful stories I have heard. Join us as we dive deep into an inspiring story that challenges our perception of faith and God's provision. This episode is not just about money or finances but about life's unexpected challenges and the miraculous ways God intervenes when we trust Him.

🔑 Key Topics Covered:

• The incredible testimony of George Muller's faith in the midst of adversity.

• What true reliance on God looks like, even in the densest fogs of life.

• Why we often limit our perspective to options A and B when God has infinite solutions.

• The significance of prayer in our daily lives and decisions.

• How faith challenges our worldly thinking and the importance of trusting God over our own understanding.

• Learn how to surrender to God's solutions rather than relying solely on our limited human reasoning.

Resources Mentioned:

•  ”Streams in the Desert” by L.B. Cowman - https://www.amazon.com/Streams-Desert-Daily-Devotional-Readings/dp/0310353688/ 

• George Muller and his testimonies of faith - https://guideposts.org/inspiring-stories/the-inspiring-life-of-george-muller/ 

• "The Knowledge of the Holy" by A.W. Tozer - https://www.amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906 

• https://SeedTime.com/churches

Tune in to this episode to be uplifted, inspired, and reminded of the infinite ways God can provide, even when the path seems unclear. Whether you're facing financial struggles or personal challenges, remember that God has endless solutions beyond our imagination. All it takes is trust, prayer, and a bit of faith.

Let's embark on this journey together, challenge our perspectives, and grow in our faith!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/NIIYFpnW4Ss)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you.

🎙 What We're Covering:

• Why Would God Help with "Selfish Prayers"?

  • Addressing the doubts and concerns raised about why God would help someone pay off debt rather than solve world hunger or stop child abuse. 

  • Linda and I get it, guys. We've cried our eyes out over the injustice in the world. We share in your heartbreak, and I talk about that emotional conflict

  • If you've ever wrestled with the morality of praying for personal financial blessings, this is your episode.
  • We're all about authentic and real conversations here, so no beating around the bush. We tackle tough questions head-on.
  • For those of you who want to increase your financial giving, get inspired to see how financial freedom can exponentially grow your impact.

We're not just talking dollars and cents; we're talking about soul-stirring, life-changing stuff here. The kind that makes you rethink not just your finances but your whole life's purpose.

Trust me; you don't want to miss this episode. It could very well be the paradigm shift you need to understand the intertwined beauty of financial stewardship and divine purpose.

See you on the inside! 🎧

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/uFJexJu16no)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Note: As always, this podcast isn't just for informational purposes. It's an invitation to shift perspectives, to think a little deeper, and maybe, just maybe, get one step closer to fulfilling your God-given potential.

If you've ever found yourself super excited about a new venture only to feel completely disillusioned shortly after, this episode is for you. It's a powerful deep dive into the emotional journey many of us take when starting something new, and it's filled with practical insights, anecdotes, and advice to guide you through. So plug in, lean in, and let's navigate this valley together. Blessings! 

📌 Inside this episode, we'll unpack:

• The universal path many face when starting something new, be it a business, parenthood, or any other venture.

• The critical points where decisions are made and why these might be the worst times to decide.

• The importance of knowing your purpose and how it can anchor you during challenging times.

• A practical chart explaining the ups and downs of expectations vs. reality.

• How the biggest challenges can lead to the biggest growth.

• Why speed bumps, obstacles, and failures aren't necessarily setbacks but part of the journey.

✨ Golden Nuggets:

• "When you have a strong enough why, you can endure almost any how." - Viktor Frankl

• Understanding The Valley of Disillusionment means you can navigate it better.

• "Every time we are doing things in line with God's will, there is a domino effect of side effects and positive benefits to that action."

• Quote of the Episode: "If you want to double your rate of success, you need to double your rate of failure." - Founder of IBM

Links & Resources Mentioned:

• Passive with Purpose workshop - https://seedtime.com/pwp 

• True Financial Freedom Course - https://seedtime.com/true/ 

• Real Money Method Course - https://seedtime.com/realmoney/ 

• SeedTime Community Facebook Group - https://www.facebook.com/groups/1156067904425625 

• Netflix's You vs Wild - https://www.netflix.com/title/80227574 

• Viktor Frankl's Book: Man's Search for Meaning - https://www.amazon.com/Mans-Search-Meaning-Viktor-Frankl-ebook/dp/B009U9S6FI 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/7Isf9aD9Cvo)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's guest is Dr. Lee Warren, a neurosurgeon with decades of experience and the author of an incredible book (Hope is the first dose) that covers everything about trauma, healing, and faith. Trust me when I say you won't be able to put his book down!

If you're someone who's gone through a traumatic event or you're in the middle of one right now, this episode is going to provide a lot of value. And even if you haven't, knowing how to handle these situations can be life-changing. Let’s get into it!

• Ever faced a traumatic event in your life? Ever been in a situation that felt (or feels) hopeless? Learn how to navigate through it with wisdom.

• Get first-hand advice from Dr. Lee Warren on dealing with everything from emotional to financial wounds.

• Curious about how a neurosurgeon views trauma? The medical metaphors are incredibly relatable!

• Struggling with your faith in the midst of a crisis? Discover what scripture won't tell you but experience will.

• And much more, including practical first steps on what to do when you're in the thick of it.

• The role of faith and science in facing life's challenges.

• Real-life stories of how trauma can affect financial well-being.

• "First Aid for Emotional Trauma" – Dr. Lee Warren’s initial steps for dealing with emotional wounds.

• Addressing the awkwardness: What not to say to someone going through trauma.

• Is church always a safe place? How to identify what feels like a safe space for you during traumatic times.

• Dr. Lee Warren’s book: Hope is the First Dose - https://amazon.com/Hope-First-Dose-Treatment-Recovering/dp/0593445392 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/UV_5s-424Q8)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode we are chatting about the strategies and techniques I use for effective learning. I truly believe that the art of learning is one of the most powerful tools God has given us, and I want to share the process that has been helping me in case you find it valuable as well!  

If you're looking to expand your knowledge, solve specific problems, or even just become better at what you do, this episode is for you!

Here's what we covered:

• My personal love for learning (spoiler: it's like Linda's love for milk chocolate chips! 🍫).

• The strategy I use when trying to grasp a new topic and how this compares to assembling a puzzle.

• How Tim Ferriss and his unique learning challenges inspire our perspective on gaining knowledge rapidly.

• The importance of recognizing where you have knowledge gaps and the humility to fill them.

• My recent journey into understanding soil macronutrients for better gardening (it's more fascinating than you might think)!

• The difference in approach between learning something entirely new vs. refining what you already know.

• Why the order or sequence in which you learn things is more critical than ever in today's age of information overload.

🔑 Key Takeaways:

• Approach learning with humility. Being open-minded allows you to absorb more and view things from different perspectives.

• Sequencing your learning is vital. Think of it as building a foundation and then constructing the house.

• Sometimes, it's about searching for that one game-changing nugget amidst the wealth of information you already know.

Resources Mentioned:

•  Tim Ferriss' unique approach to rapid learning - https://tim.blog/2014/09/30/the-tim-ferriss-show-tracy-dinunzio-on-rapid-growth-and-rapid-learning/ 

• The parable of the talents and its application to lifelong learning - https://seedtime.com/the-parable-of-the-talents/ 

• Our previous podcast episode on quarterly business planning - https://www.youtube.com/watch?v=M_693Ux9Akc 

Final Thoughts: In an age of information overload, it's not about what you learn but how you learn. Make sure you're not just collecting data but synthesizing it in a way that can truly enrich your life and help you achieve your God-given purpose.

Tune into the SeedTime Money podcast and discover the techniques to elevate your learning process. And hey, if you're interested in a SeedTime pickleball tournament, let us know! 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://studio.youtube.com/video/oFC1ntw_7_8/edit#:~:text=https%3A//youtube.com/live/oFC1ntw_7_8)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

So if you don't know our story, we have a pretty remarkable thing that God did in our lives with our mortgage. Essentially we went from being 2 years into a 30 year mortgage and then after obeying God within 9 months we had it paid off! 

We have been sharing about this a bit on Instagram and it kickstarted a Reel that went viral-ish and has stimulated a lot of conversations, so we figured it would be good to create a full-length podcast discussing the whole thing.

So grab your coffee or your smoothie, or whatever you like to sip on, and let's dive into an episode that's all about dreaming big, acting boldly, and watching God work miracles. 🙌

• Our Book, "Simple Money, Rich Life" - https://seedtime.com/smrl/ 

• True Financial Freedom Class - https://seedtime.com/true/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/DBrEyYzURjs)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a real treat. I had the pleasure of chatting with Chris McMurray, a pastor, author, business coach, and serial entrepreneur. Chris has a fascinating story that's been covered by national media, and he's the author of the book "Food Stamps to Franchise."

Why You Should Listen:

1. Real Stories, Real Impact: Chris shares his incredible journey from struggling with debt and food stamps to building a successful business and becoming a voice in the national conversation.

2. Faith and Business: Learn how Chris navigates the intersection of faith and business, making decisions based on principles rather than the heat of the moment.

3. Risk and Reward: If you've ever been paralyzed by the fear of starting something new, Chris's insights into risk-taking could be the push you need.

4. Cultural Influence: Chris passionately believes that the body of Christ should reclaim its seat at the table in cultural conversations. Hear why and how you can be a part of it.

Key Topics/Questions Covered:

1. Chris's remarkable story involving Vice President Joe Biden, some ice cream, and how it catapulted him into the national spotlight.

2. The importance of having a "why" in your business and life.

3. How risk has played a significant role in Chris's journey and why it's essential for anyone looking to make an impact.

4. The books that have influenced Chris the most in his business and spiritual life.

5. The one message Chris wishes the entire body of Christ better understood.

Resources Mentioned: 

1. Book: "Food Stamps to Franchise" by Chris McMurray  - https://amazon.com/Food-Stamps-Franchise-Workbook-Brokenness/dp/B0CFZFDS6Y 

2. Book: "Creating Magic" by Lee Cockerell - https://amazon.com/Creating-Magic-Leadership-Strategies-Cockerell/dp/B00NBF0FQK/ 

3. Books by Henry Nowen: For spiritual grounding - https://amazon.com/stores/Henri-J.-M.-Nouwen/author/B000AQ4ZZ0 

4. Wonder Works in Pigeon Forge, Tennessee: An indoor amusement park with a ropes course that taught Chris a life lesson about risk -  https://www.wonderworksonline.com/pigeon-forge/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-4o_GHXZWcA)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a special one, and I'm excited to share it with you. We're diving into a topic that's been on my mind a lot lately, and I think it's going to resonate with many of you. 

What We're Talking About Today:

1. A Fascinating Book Passage: I'm reading from "Five Wealth Secrets" by Craig Hill, and it's sparking some deep thoughts about financial principles in the Bible.

2. Jewish Wealth vs. Christian Wealth: We're exploring an intriguing question: Why do Jewish people seem to prosper more financially? We're diving into the numbers and what they might mean.

3. Old Testament Wisdom: Are we missing out on blessings by ignoring Old Testament principles? We're talking about tithing, the Sabbath, and more. It's not about being under the law; it's about understanding the blessings attached to God's instructions.

4. Living Out the Principles: It's one thing to know Bible verses; it's another to live them out. We're challenging ourselves to study and live out the principles, both Old Testament and New.

Key Takeaways:

1. Don't Dismiss Old Testament Principles: There may be blessings attached to living the way God has instructed, even in the Old Testament.

2. Balance Knowledge and Action: Knowing where a Bible passage is located is great, but living out the principle is what truly matters.

3. Seek Deeper Understanding: There's no limit to how deep we can go with God. Let's hunt down and chase after the blessings of God available to us.

Join us on this journey, and let's explore what God has for us together. If you have any stories or testimonies to share, hit us up on Instagram or email us. We'd love to hear from you.

If you enjoyed this episode, please consider leaving a review on iTunes or wherever you listen to podcasts. Your feedback helps others find the show. Thanks for listening! 🎧

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, we are hosting a passive income workshop starting tomorrow!  But you got to get signed up to get access to it!

Join us LIVE on Sep. 27-29th at 5:30p PT | 7:30p CT | 8:30p ET

Day 1 – How Passive Income is God’s Idea (If You do it His Way)

Day 2 – The Trap of Passive Income Without Purpose (and What to Do Instead)

Day 3 – How to Find Winning Passive Income Ideas (My Winners, Losers, and Lessons Learned)

Bonus Day – 2 Simple Ways to Get Started With Passive Income

• The 4 myths & the honest truth about passive income that no one is talking about.
• How to avoid the biggest mistakes I made pursuing passive income.
• The simple way to begin crafting your passive income blueprint (with our HI/TF Strategy tool) so you can confidently know you are heading in the right direction.
• How, in as little as one hour a week, you can begin creating a passive income stream.
• And specific examples and LIVE demos with practical steps to kickstart your passive income journey.

Then I want to invite you to come hang out with us LIVE on Sep. 27th at 7:30 CDT.

You can sign up for the free 4-day event right here: https://seedtime.com/pwp

Welcome back to another episode of the SeedTime Money Podcast! Today we’re diving into some super cool stuff— the four biggest money secrets of millionaires that most people completely misunderstand. Seriously, you don’t want to miss this, it’s eye-opening!

We're unpacking findings from a study by the Ramsey team that surveyed 10,000 millionaires and the results will shake up a lot of the myths you've heard about the actual habits of millionaires. 

• Whether you've given a lot of thought to your financial journey or you're still figuring it out, this episode will light a fire under you.

• If you've been overwhelmed by misconceptions about what it takes to reach financial freedom, we're busting those myths wide open.

• For those who are looking to be more generous, create passive income streams, or just live a life that honors God financially, these insights are invaluable.

• Success leaves clues! By understanding the real habits and choices of millionaires, we can apply those lessons in our own lives and change our family trees for the better.

• What percentage of millionaires do you think inherited their wealth? The answer will blow your mind. Spoiler: it's not what you think, and it's super encouraging!

• Think you need to rake in the big bucks to hit millionaire status? Think again. We share stats that show you don't need to earn nearly as much as you think. This is great news, friends!

• Contrary to popular belief, millionaires aren't all about that bling-bling lifestyle. We're diving deep into how millionaire spending habits actually look like, and yep, it's got a lot to do with good ol' wisdom.

• How many millionaires do you think carry a credit card balance? The stats will surprise you and offer us all a lesson. 

• Study by the Ramsey team on 10,000 millionaires - https://www.ramseysolutions.com/retirement/the-national-study-of-millionaires-research 

• The Millionaire Next Door by Thomas J. Stanley - https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 

• Glorify Bible app - https://glorify-app.com/ 

• Find me on LinkedIn - https://www.linkedin.com/in/boblotich 

• Our Course: True Financial Freedom - https://seedtime.com/true/ 

• Our book: Simple Money, Rich Life - https://seedtime.com/smrl/ 

• Our 10X Investing course - https://seedtime.com/10x/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/qFZlMZQhIUQ)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey there, friends! In this episode of the SeedTime Money podcast, we're diving into something that's been on a lot of your minds lately: How do you approach budgeting when you have an inconsistent or variable income? Trust me, I know it's hard, but I've got some insights to share with you that might just make it a little easier.

But first, let's talk snacks! From dark chocolate mint creams to spiced cider, we're sharing our favorite Trader Joe's finds and getting excited for fall. And yes, even our four-year-old has some snack opinions to share!

Here's what you can expect from this episode:

1. Our Favorite Snacks: We're kicking things off with a light-hearted chat about our favorite treats from Trader Joe's. If you're a snack lover like us, you'll want to tune in!

2. Budgeting with Variable Income: This is the meat of the episode, where we dive into the challenges of budgeting when your income isn't consistent. We've been there, and we've got some strategies to share.

3. Real Money Method Course: We'll talk about our Real Money Method course and how it can help you with your budgeting needs. Whether you're in the basic or plus package, there's something for you.

4. Adapting to Circumstances: Life throws curveballs, and we'll discuss how to adapt your budget to whatever comes your way. It's not always fun, but it's necessary.

5. Planning for Annual Expenses: Those once-a-year expenses can throw a wrench in your budget. We'll share how we handle them and how you can too.

So grab your favorite snack, settle in, and let's talk money. Whether you're struggling with budgeting or just looking for some new snack ideas, this episode has something for you. 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/0fx6qywOotc)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're sitting down with Aaron and Jennifer Smith, the dynamic duo behind Husband Revolution, Unveiled Wife, and their podcast, Marriage After God. They've also written a new devotional called "The Marriage Gift," that is a fantastic way to expand on your prayer for your marriage. 

Why You Should Listen to This Episode

1. Real Talk on Marriage and Money: Aaron and Jennifer get candid about their early financial struggles and how they navigated them while keeping God at the center.

2. The Power of Prayer in Marriage: We dive deep into why prayer is the ultimate game-changer for your marriage and how you can start implementing it today, even if it feels awkward at first.

3. Advice to Newlyweds: What would Aaron and Jennifer tell their younger selves?

4. The Intimacy of Prayer: We discuss why prayer is even more intimate than you might think and how it can transform your marriage.

5. Jiu-Jitsu and Marriage?: Find out how the principles of Jiu-Jitsu can actually help you in your marriage.

Highlights and Takeaways

1. Did you know that the divorce rate among couples who pray together is less than 1%? Mind-blowing, right?

2. Believe What God Says: Aaron emphasizes the importance of truly believing in God's word and promises, especially when it comes to overcoming struggles in marriage.

3. Keep Trying: Jennifer's advice to her younger self and to all of us is to keep trying, especially when things get tough.

So, if you're looking to enrich your marriage, especially in a way that honors God, you won't want to miss this episode. Grab your spouse, hit play, and let's dive in!

Links:

• Marriage After God website- https://marriageaftergod.com/ 

• The Marriage Gift devotional- https://amazon.com/Marriage-Gift-Devotional-Encourage-Transform/dp/0310367069 

• Marriage After God podcast- https://marriageaftergod.com/marriage-after-god-podcast/ 

• The Unveiled Wife- https://marriageaftergod.com/unveiled-wife/ 

• The Husband Revolution- https://husbandrevolution.com/marriage-god-podcast/ 

• The Marriage Prayer Challenge- https://marriageaftergod.com/marriage-prayer-challenge/ 

• Marriage After God on Instagram -  @marriageaftergod- https://instagram.com/marriageaftergod/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/DUeFTt1xGtc)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving into a topic that's been a revelation in the making for years, and I'm thrilled to share it with you. We're exploring why money is the perfect idol and how all the things we look to money for are actually the things that God wants to be in our lives.

Here's what you can expect from this episode:

1. Why Money is the Perfect Idol: We'll break down how money can easily become an idol in our lives, replacing God in areas like provision, security, status, peace, joy, power, purpose, and identity. But don't worry, we'll also explore how to shift our focus back to God.

2. Real-Life Examples and Revelations: From our ups and downs to the lessons we've learned, we're sharing personal insights that will resonate with you. Whether you're struggling with debt or seeking to grow in the Lord, there's something here for you.

3. Practical Wisdom and Encouragement: We're not just talking about problems; we're offering solutions, encouragement, and motivation to get debt-free, save, and give. You'll hear about how God wants to be the source of everything in our lives and how we can live in that truth.

Remember, God's shovel is always bigger, and He wants to be the source of everything in our lives. Let's explore how to make that a reality together.

P.S. If this episode sparks something in you, please share your thoughts and revelations with me. I love hearing from you and learning how God is moving in your life. Together, we can grow and make a difference.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/USmMN25-2M4)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

One of our 10x investing students asked a question that I get asked quite often: Should we invest in companies that we disagree with morally? This is a question that many Christians wrestle with, and we're diving deep into it. We explore two different approaches:

1. Biblically Responsible Investing: Avoiding companies that don't align with our values.

2. Infiltration Approach: Buying stock in those companies to influence change.

What else we are talking about:

Prayerful Investing: We emphasize the importance of praying about our investments and recognizing that there's no one-size-fits-all answer. It's about what God has called you to do.

Consumer Responsibility: We also discuss the impact of our spending habits and how being mindful of where we shop can make a difference.

10x Investing Course: If you're interested in learning more about investing and our approach, check out our 10x investing course at https://seedtime.com/10x.

God's Work in the SeedTime Family: We share a wonderful review from a listener who found freedom from a scarcity mentality through our Real Money budgeting course.

Join the Conversation:We love connecting with you! Tag us on Instagram with a screenshot of the episode, and let's become friends.

Whether you're a seasoned investor or just starting to think about your finances, this episode is packed with insights, laughter, and real talk. See you inside!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/q0oMTyWCIb8)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we dive deep into the essential aspects of living a life that's present, intentional, and aligned with our true purpose. Today we are chatting with Mason King, the author of "A short guide to Spiritual Disciplines" about how we can steward tech in our daily lives (because it isn't going away) to have a healthier walk with God.

Here's what you'll discover:

1. Dethroning the Digital Savior: How technology can become an addiction, and why it's essential to recognize our attention as our most precious commodity. Learn how to regain control over your digital life and break free from the dopamine loops that keep you hooked.

2. The Journey with Technology: Personal struggles with technology and how they led to a profound realization about the importance of focus, presence, and intentionality in our lives.

3. Strategies for Presence: From using apps like Freedom to block distractions to setting specific times for email and social media, discover practical ways to be more present with your family and in your life.

4. Praying the Hours: A unique approach to prayer that helps you stay connected with God throughout the day, processing emotions and aligning your actions with your faith.

5. Reading the Bible with Joy: Moving beyond the "check-off-the-box" mentality to a more intimate, face-to-face time with God through Scripture. Learn about techniques like Lectio Divina and how poetry can enrich your spiritual life.

6. Remembering Mortality: The concept of "Memento Mori" and how keeping death in mind can lead to a more intentional and fulfilling life.

7. Balancing Work and Family: How to set limits and boundaries to ensure that work doesn't overtake your personal life, allowing you to be fully present with your loved ones.

8. And much more...

If you're feeling overwhelmed by the digital world, struggling to find balance in your life, or seeking a deeper connection with God, this episode is for you. Join us as we explore practical strategies, spiritual insights, and personal experiences that will inspire you to live a life of purpose and presence.

Whether you're looking for ways to enhance your prayer life or seeking practical tips to reclaim your attention from the digital world, this episode has something for you.

Links and Resources Mentioned:

1. A short guide to Spiritual Disciplines by Mason King- https://amzn.to/3KPma5w

2. Freedom App- https://freedom.to 

3. George Herbert's Poetry- https://amazon.com/Complete-Works-George-Herbert/dp/1975943090/ 

4. "The Common Rule" by Justin Early- https://thecommonrule.org 

5. "The Paraphrase of the Soul" (Poetry Anthology)- https://amazon.com/Soul-Paraphrase-Treasury-Classic-Devotional/dp/1433558610# 

Note: This episode is perfect for those who want to honor God with their attention, be more generous with their time, and find authentic and real ways to connect with their faith and loved ones. If you're looking to make huge improvements in these areas without feeling talked down to this episode is for you.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/YAvL0g2zMhE)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we dive into the 2nd part of looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals.

So, see you on the inside!

Want our 14-point checklist? DM @seedtime (https://instagram.com/seedtime), or send an email to [email protected] and request your free PDF copy!

Links:

• Our book: Simple Money, Rich Life - https://seedtime.com/smrl/ 

• True Financial Freedom Class - https://seedtime.com/true/ 

• Real Money Method - https://seedtime.com/realmoney/ 

• 10x Investing Course - https://seedtime.com/10x/ 

• How to find your REAL hourly wage in 10 minutes - https://directory.libsyn.com/episode/index/id/25268184 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/cqRrs9_GFf4)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we are looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals.

So, see you on the inside!

Want our 14-point checklist? DM @seedtime (https://instagram.com/seedtime), or send an email to [email protected] and request your free PDF copy!

Links:

• Our book: Simple Money, Rich Life- https://seedtime.com/smrl/ 

• True Financial Freedom Class- https://seedtime.com/true/ 

• Real Money Method- https://seedtime.com/realmoney/ 

• 10x Investing Course- https://seedtime.com/10x/ 

• How to find your REAL hourly wage in 10 minuteshttps://directory.libsyn.com/episode/index/id/25268184 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/cqRrs9_GFf4)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We recently took a road trip and recorded this episode from our phone at a rest-stop. 

But, if you want to know get to know us a bit better, this episode will give you a peek into who Bob & Linda are! 

Enjoy!

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtube.com/live/bh3Qnv5LO1c)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Inside, I’m going to show you the 4-step process that can stop negative, reactive spending habits in their tracks and get you on the path to saving, giving, and enjoying more of your money:

1. **Identifying** the biggest (and messiest) money opportunities with the ‘RFC’ matrix.
2. **Managing** your biggest opportunity with the 80/20 Budget. 
3. **Redirecting** the surplus where you want it to go (practicing JOMO instead of FOMO). 
4.  **Enjoying** the margin you create from decluttering (how to spend more on what brings you joy).

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/b__yWggOU5s)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we are taking a listener question and discussing some of the keys to handling money and our hearts when things are going well, as well as when they aren't.

A little of what we are covering:

1. Ever noticed how pride sneaks up on us during financial highs and evaporates during lows? Let's decode this emotional rollercoaster and the unseen challenges of financial success.

2. The two tests I believe God throws our way to measure our real success.

3. Hear personal stories from my life's highs and lows, revealing how gratitude and pride can change shades in different circumstances.

4. Two practical actions and daily practices to infuse gratitude in your life and keep financial pride at bay.

This episode is not just about handling your financial blessings. It's about transforming how you perceive these blessings and what you do with them. Prepare to change your perspective on financial success, learn how to guard your heart against pride, and embrace gratitude with practical actions.

If you've ever felt challenged by the delicate dance of success and humility, this episode will provide a new rhythm to your journey. It's time to redefine your relationship with money, balance your heart's pride and gratitude, and be a more mindful steward of the resources you have.

Remember, building wealth isn't just about numbers—it's about nurturing your character and grace too. See you on the inside. God bless!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/VTeHaiqN15s)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Have you seen "the Sound of Freedom" yet? Well, we just saw it and there is something we all need to be talking about with it.

🔑 Key Topics Covered:

• Awareness of human trafficking

• Impact of "The Sound of Freedom" movie

• The spiritual aspect of money management

• Motivation to "earn all I can" for giving 

• What you do matters on the earth

• Taking action with A21 and Our Rescue

Links:

• The Sound of Freedom Movie- https://angel.com/pay-it-forward/sound-of-freedom 

• John's Real Money Method story- https://vimeo.com/787744583 

• Our Book: Simple Money, Rich Life - https://seedtime.com/smrl 

• Our Courses at SeedTime- https://seedtime.com/courses 

• Tim Ballard and Our Rescue- https://ourrescue.org 

• A21 organization and ending slavery - https://seedtime.com/a21 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yKyZbIGeNoo)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This is a bit of a personal episode where I am sharing my story of stepping away from social media for a year and the massive impact it had on my life. 

Trust me, this episode is gonna make you rethink your relationship with social media and might even inspire you to take a break yourself.

What To Expect:

The Art of Presence: Ever wondered what being more present could do to your relationships and spirituality? 

Redefining Social Interactions: Are you afraid that losing touch with social media means losing connections? I was terrified! Join me as I share the unexpected turn my personal connections took during my social media fast. 

A Pathway to Contentment: Discover how stepping away from social media led me to an unforeseen wellspring of contentment. I talk about how breaking free from the unending stream of comparisons and achievements on social media paved the way to more contentment. 

The Continuum of Life: What happens when you go off the grid? I share a humble yet eye-opening realization. 

Whether or not you decide to take a social media fast, this episode is an invitation to reflect on where your time and focus are channeled. Together, let's weigh the eternal impact and the higher calling beyond the quickly fading thrills of likes and shares.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/0qDAED8KoOY)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

On our 10x Live investing workshop (https://seedtime.com/replays) we hosted last week we gave away a couple stacks of books that deeply impacted how I handle money.

And a bunch of you kept asking for the list, so here we are.  

Now at this point I have read about 100 money books over the last 15 years. And this list is the 10 or so that have made a significant impact on my thinking or behaving with money. 

Some are written by Christians and some are not. I don’t agree with everything anyone says or writes regardless of whether or not they are a Christian, so I chew the meat and spit out the bones and encourage you to do the same thing!

#1 https://amzn.to/3Py7JWn

#2 https://amzn.to/46n9Q5v

#3 https://amzn.to/3JA15Lt 

#4 https://amzn.to/3Psn3ny 

#5 https://amzn.to/42XHJa1 

#6 https://amzn.to/3CNeoV1 

#7 https://amzn.to/3JWbilV  

#8 https://amzn.to/42XHJa1 

#9 https://amzn.to/46jI6yN 

#10 https://amzn.to/3XzVgDF 

#11 https://amzn.to/3qZTqzH

Additionally, there are some other fantastic money books out there that are NOT on this list. But these just happen to be the ones that spoke to me most at the time I read them. 

And as a little shameless plug to possibly save you a little time, part of why I wrote Simple Money, Rich Life was to be able to distill everything I learned in these 100 books into 1. 

So if you want the best nuggets from most of these books you will find it all rolled up in our book Simple Money, Rich Life which you can get with free shipping here: https://seedtime.com/smrl

It was named the 2022 Book of the Year by ICFH and has over 300 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.”

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/fh2VLluLHQE)!

Are You Doing Something Wrong if You Aren’t Financially Blessed? That's the question we are tackling today and I promise you, this topic is just the tip of the iceberg of what we’re about to unfold.

Here's a little of what we are discussing today:

1. Redefining Blessed: We tackle the big question - what does being “blessed” really mean? Is it just about the dollars in your bank account, or is there more? This episode might just change how you look at the world.

2. Social Media Mirage: We’re spilling the beans on social media’s “highlight reels” and how they mess with our minds. You might think everybody’s killing it except you. But, is that really true?

3. Count Your Blessings: No, seriously, count them. We chat about gratitude, the importance of cherishing the little things, and keeping your focus on what truly matters. Sometimes, it’s about re-centering your heart.

4. Seed Time & Harvest: We explore the powerful concept of sowing and reaping. Sometimes you’re planting seeds and it doesn't seem like much is happening. But stay patient, my friends. There’s a time to reap what you sow.

5. Asking the Right Questions: Are you asking, “What am I getting out of this?” Instead, let’s pivot to “What can I give or put into this experience?” We're flipping the script!

6. Is It You, or Is It Timing?: We talk about those seasons when you feel like you’re in a rut. Is it because you’re doing something wrong, or is it just not the right time? Hang tight, breakthroughs are real!

7. Wise Counsel vs. The Noise: It's important to surround yourself with people who can provide honest feedback and encouragement. Learn how to discern between genuine counsel and the noise.

8. Embracing the Ups and Downs: Life is full of cycles. We discuss embracing the seasons of life, both the challenges and the triumphs. There's wisdom and growth in every season.

Whether you’re looking to build wealth, find contentment, or understand the season you’re in, this is an episode you don’t want to miss. Let’s embark on this journey together and remember - we're all in this crazy thing called life together. Hit play and let’s get this party started! 🚀 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/uvsXXLhX6bk)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this must-listen episode, we delve into seven crucial financial truths that we wish we'd known in our twenties. By sharing these gems, we aim to provide a shortcut to financial wisdom, enabling you to make well-informed financial decisions that will set you up for a prosperous future.

Here's what you can expect:

1️⃣ Becoming a Money Scholar: We'll talk about why becoming a student of money is the first step towards financial freedom. You'll learn about available resources and how knowledge acquisition sets the stage for better decision-making in your financial life.

2️⃣ Discipline over Motivation: We'll reveal why discipline is your most valuable asset and how having a budget - and sticking to it - is the secret sauce for achieving your financial goals.

3️⃣ Demystifying Debt: We'll cover the dual nature of debt, both as a potential tool for achieving financial goals and as a burdensome pitfall when misused.

4️⃣ The Long Game of Investing: Discover why the stock market, despite its volatility, can be a profitable long-term game. We'll discuss the benefits of starting your investment journey early and riding the ups and downs to accumulate wealth.

5️⃣ Living Below Your Means: We'll provide practical tips on how to save money by cutting back on expenses and living a lifestyle that costs less than your earnings.

6️⃣ The Power of Seeking Help: We'll talk about how no one is an island in the journey of financial management.

The best time to start planning for your financial future is now. So, tune in to get inspired, informed, and put these lessons into action for a better financial future.

Not only does this episode arm you with valuable insights into money management, but it also fosters a mindset that encourages you to start planning for your financial future immediately.

Whether you are in your twenties or beyond, this episode is a game-changer. If you're ready to transform your relationship with money, grab your headphones and let's dive in! 🎧🚀

Links:

•  @IanBuildsWealth on Instagram - instagram.com/p/ClQ5xxQOWsl/

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/4uvB3eQn1gg)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Guess what? SeedTime just turned sweet 16 today! 🎉 (Psst… we've got some cool gifts and bonuses for you today!)

It's been a crazy ride these past 16 years, hasn't it? 

I mean, by God’s remarkable grace, we've had the chance to connect with over 55 million folks through our website, the SeedTime Money Podcast, and our YouTube channels. 

Can you believe that!? 

And then we've seen more than 9,200 students pass through our courses https://seedtime.com/u and nearly 20k copies of Simple Money, Rich Life https://seedtime.com/smrl have found new homes.

But even though I am admittedly a numbers nerd, the numbers aren't even close to the best part...

From day one I have been collecting stories from people like you who have shared with me the things God has done in their financial lives. 

And over 16 years I now have thousands of those stories that I treasure.  Every story, every success, is another reminder of the great things God can do. Looking back, it's pretty amazing seeing what God has done the last 16 years.

But, it never should have happened…

The unlikely story of SeedTime

On June 1st, 2007, SeedTime (or originally ChristianPF.com) was born. 

It was just a little blog where I shared the personal finance lessons I was learning along with what I was finding in the Bible about money. 

At the time I was stuck in a dead-end job and felt hopeless about my career and my ability to make any sort of impact in the world.

And I had this pipe-dream that one day we could earn enough from the blog to eat and live indoors. 

But the odds were terrible. 

At the time earning money from a blog was incredibly difficult.  In fact, in 2007 I literally was only aware of 2 bloggers in the entire world that were earning anything close to a full-time income from blogging.

And my millionaire mentor, who had taught me so much about money, told me going full-time as a blogger was a terrible idea.

And He was right. 

But here’s the thing. The Bible is full of “terrible ideas” that just happened to be exactly what God wanted. 

Here’s one: “Hey, I have a military strategy for you. Just march around the city 7 times and then yell real loud. Oh and if it doesn’t work, you’ll probably die.”

God seems to love to use “terrible ideas” because no one can take credit for it when it works out.

Today Linda and I are going into the full story of how SeedTime began.  

• How we went from being the financial messes that we were to following God into the unknown
• How we overcame our fears and insecurities and nay-sayers
• How we handled “stepping out of the boat” after I got laid off and became a “full-time blogger”.
• One critical mistake I made that should have sunk us
• And the most important thing we did to keep SeedTime alive and well 16 years later.
• And a lot more of the ins and outs of how God took 2 broke kids from Missouri and did something only He could do

Links:

• Enter the $2k giveaway: https://seedtime.com/2k-giveaway 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/op3YbkB69j0)!

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In today's episode of the SeedTime Money podcast, we dive into a fundamental question many listeners are curious about - where to put your money when saving for significant purchases like a car or a home renovation. It's a loaded question with a multitude of possible answers, so today, we're aiming to bring clarity to the subject.

Links: 

• Get 4.6% on your savings with CIT's Savings Connect account here:  https://seedtime.com/cit 

• The $2k giveaway - https://seedtime.com/2k-giveaway

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) 

Key Questions & Topics we cover:

• 3 places you definitely should not be putting your money.

• Learn about the dangers of putting all your eggs in one basket, especially when it comes to financial institutions and their surprising limits.

• Discover the alarming truth about the misleading returns on investment that most people don't realize until it's too late.

• Thinking of investing your savings in the stock market or crypto? We're sharing why this could be a gamble you don't want to take.

• Find out why we are adamant about not putting our money into individual stocks or index funds for short-term goals.

• We'll break down why CDs could be your golden ticket when saving for a large purchase in the near future.

• Stumped about where to put your savings? We're revealing the high-interest savings accounts we're personally using and why.

• Discover why choosing the right bank matters and how it could make the difference between earning peanuts and striking gold with your savings.

• The shocking tactics big banks are using to profit off us