Episodes
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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.
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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.
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Missing episodes?
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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 investingLinks 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.
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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.
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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.
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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.
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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.
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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/smrlBook: "Retired Before Mom and Dad" by Rob Berger
- Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2JFIRE (Financial Independence, Retire Early) Movement
- Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp14-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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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:
Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact.
Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom.
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.
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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.
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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:
Identify Your Big Financial Goal: What is the significant financial milestone you're aiming for?
Break It Down: Divide your goal into smaller, manageable milestones.
Track Your Progress: Use our debt snowball sheet or another method to monitor your achievements.
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.
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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.
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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.
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