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  • 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:

    Proverbs 21:20

    Proverbs 13:11

    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:

    Open a new bank account (savings or checking)

    Decide on your monthly contribution amount

    Set up an automatic transfer

    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.

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  • 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:

    Philippians 4:19

    Matthew 6:26

    Psalm 37:25

    2 Corinthians 9:8

    Deuteronomy 31:6,8

    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:

    5 hidden mistakes that are likely sabotaging your debt payoff journey

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

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

    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:

    How redefining financial success can transform your life.

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

    Practical steps to start tracking your Net Given today.

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

    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:

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

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

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

    🎯 Action Steps:

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

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

    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:

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

    The shocking truth about why your dreams keep dying

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

    The "Identity Crisis Intersection" and how to navigate it

    Why dreaming big is the most rebellious thing you can do

    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:

    The shocking truth about why discipline is overrated in finance

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

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

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

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

    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:

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

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

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

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

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

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

    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:

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

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

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

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

    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:

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

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

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

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

    Bible passages:

    2 Corinthians 9:7 (NIV)

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

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

    Proverbs 11:25

    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:

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

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

    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:

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

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

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

    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:

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

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

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

    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:

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

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

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

    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:

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

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

    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:

    Save over $15,000 in interest

    Score more than $10,000 in free travel

    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:

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

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

    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:

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

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

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

    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.