Seed Time Money with Bob & Linda Lotich

With Mint.com closing its doors, many are left wondering, "What now?"

Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today.

Here's a sneak peek of what we cover in this episode:

• The Limitations of Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a lack of built-in accountability. This lack of consequences for overspending makes it easier to deviate from your budgeting goals.

• Our Go-To Financial Tracking Tool: Discover the power of the Empower Personal Dashboard, our primary tool for the past decade. It's a free, comprehensive app that excels in financial tracking, overshadowing what Mint offered.

• Revolutionizing Budgeting with The Real Money Method: Learn about our unique approach to budgeting, which doesn't rely on traditional apps, envelopes, or spreadsheets. We share how this method promotes unity in finances and simplifies money management, making it quicker and more effective.

Resources Mentioned:

• Empower Personal Dashboard: Our top recommendation for financial tracking.

• The Real Money Method: A budgeting approach that ditches complexity for simplicity and effectiveness.

• Check out the details and enroll here to transform your financial life. Get 20% off our Real Money Method Training Program with code MINT20.

Don't miss out on this episode full of practical advice and real-life stories that will inspire you to take control of your finances in a way that aligns with your values and lifestyle. Tune in to find out how you can start writing your own success story today!

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

I have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven’t heard, basically it is a debit card that provides “Z-Bucks” that can be used to buy everyday items.

In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year…

I have some friends who are using it and who are excited about it, but I always do my own due diligence and go with my intuition and I am not feeling good about it.

These are the red flags and the reasons I am passing on Tranzact (and make sure you listen til the last one, because it is the nail in the coffin for me.)…

🎯Resources Mentioned:

• Tranzact Rewards Debit Card: An overview of the card, its features, and the claims made by the company.

• Our Courses: here at SeedTime

• Temu: online marketplace.

• Richard Smith charged with securities fraud in 2010

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving deep into the Parable of the Talents and how it holds the keys to succeeding as a Christian—yes, even in your finances. So pull up a chair, grab your Bible, and let’s get started.

• Are you struggling with managing not just your money but your time, relationships, and other God-given resources?

• Do you feel like you're holding back from multiplying your God-given talents out of fear?

• Want to discover how divine mandates can shift your perspective and align your life more closely with God's purposes?

Here's What We're Covering:

• Intro to the Parable of the Talents

• Where to find it: Matthew 25:14-29 (New Living Translation for readability)

• The overlooked depth of this parable beyond just finances

• How this parable aligns with teachings on the end times

• The Characters and Their Significance

• The Master (God), The Servants (Believers), and The Talents (Resources)

• Delegating according to abilities: what does it mean for us?

• Key Themes You Can’t Ignore

• Stewardship: Managing what you’ve been entrusted with

• Investment: The principle of growing your God-given talents

• Accountability: Yep, you will be held responsible

• Modern-Day Relevance

• Pushing back on today's "me, myself, and I" culture

• The immediate application for Christians today

• Fear vs. Faith

• Personal stories of how fear held me back

• Why stepping out in faith isn't the same as taking a risk

• Divine Mandates vs. Good Advice

• This is not just some good life advice; this is about aligning ourselves more closely with God's purposes.

By the end of this episode, my hope is that you won’t just think of this parable as a "money lesson" but see it as a guide on how to be more in tune with God's purposes in every aspect of your life, including your finances. Let’s bust some myths and dig into the life-transforming wisdom that this parable holds.

Resources Mentioned:

• YouVersion Bible App: Search for my plans under 'Bob Lotich' or 'SeedTime' to find our newly released devotional about the Parable of Talents.

• New Living Translation (NLT) Bible: The version I used for today's reading, which makes the text super accessible.

Hey, if this episode blesses you, it's going to bless others too. So share it with your friends, your family, and anyone else you think needs to hear it. Until next time, take care and God bless!

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We're diving deep into a topic that's both controversial and unavoidable: credit cards. Today, we just want to share our own take on credit cards. No fluff, no shaming—just our honest thoughts.

What’s in this episode for you?

Listen to this episode if you want an open, authentic discussion on a topic many consider taboo but is nevertheless something we all have to deal with. Whether you love 'em or hate 'em, after this episode, you’ll have a more nuanced perspective on credit cards. Trust us; you won’t want to miss this one!

Resources Mentioned:

• Our email list: The best deals, practical tips, and spiritual insights are all there. To join, head over to SeedTime.com/subscribe

• Bible Money Matters Blog: An old friend's financial blog that even got Dave Ramsey to comment once.

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

• Our article - Our 3 Simple Rules for Credit Cards

P.S. If you haven't already, don't forget to subscribe to the podcast so you won't miss out on any future episodes that will help you manage your God-given resources better!

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, I'm unpacking some of my personal money-saving hacks that can keep your wallet happy during the most wonderful (and expensive) time of the year. 

Resources Mentioned: 6 apps, tools, and ideas I have used to save thousands over the years!!

1. Rakuten - $40 signup bonus, but you have to go through our link because they don't make it publicly available.

2. Honey - A browser extension that automatically finds and applies coupon codes at checkout for over 30,000 shopping sites.

3. CamelCamelCamel - Amazon price tracker that shows you the price history of items, so you know if you're getting a good deal.

4. Slickdeals - A community-driven deals website where users share and vote on the best deals.

5. Our Real Money Method (un)budgeting course - this is the course where we go behind the scenes of how we actually manage our money month to month - and this method has kept us from NOT going into Christmas debt ever since we started using it.

6. Shopping during Black Friday window - this is generally when the best deals are, so focus your shopping around this time.

🎯Bonus Resource: Need some gift ideas for the person who has everything? Check this out: https://seedtime.com/the-top-10-christmas-gift-ideas/

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In today's episode, we had a super raw and real conversation about how to change who you will become in the next five years. The key? Taking a hard look at the inputs in our lives. Before we dive in, a HUGE shoutout and Happy Birthday to Linda! 🎉

🎙️ In this episode, we cover:

• The importance of growth and change in our journey with Jesus.

• The iconic quote about how we are the sum of our five closest friends and the books we read. But is that all there is to it?

• How we can think about "inputs" in our lives more broadly - from friends, to social media, to the shows we watch, and of course, our faith.

• Why merely thinking positive might not be enough. The surprising power of avoiding negativity.

• Our thoughts on TikTok and a fun theory we heard (no shade to the TikTok lovers out there!).

• Three actionable ways to become a better version of yourself in the next five years:

• Decide to make an intentional change.

• Eliminate the negative inputs that hold you back.

• Increase positive inputs and surround yourself with those who lift you up.

• A personal story about the challenge of finding the right friends and how being intentional about it can make a world of difference.

• The underrated value of books and why I'll forever advocate for them. 📚

• A mindset shift about the timeframe of change and how our lives can be radically different in five years.

Resources Mentioned:

• Jim Rohn 

• Chris Farley's "Van Down by the River" SNL skit

• Berkshire Hathaway annual meeting

💡 Final thoughts: Growth requires effort, intentionality, and sometimes discomfort. But remember, God's got you through it all. Whether you're in a season of growth or you feel a bit stuck, I hope this episode inspires you to evaluate, change, and march toward the best version of yourself.

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Join us as we dive deep into an inspiring story that challenges our perception of faith and God's provision. This episode is not just about money or finances but about life's unexpected challenges and the miraculous ways God intervenes when we trust Him.

🔑 Key Topics Covered:

• The incredible testimony of George Muller's faith in the midst of adversity.

• What true reliance on God looks like, even in the densest fogs of life.

• Why we often limit our perspective to options A and B when God has infinite solutions.

• The significance of prayer in our daily lives and decisions.

• How faith challenges our worldly thinking and the importance of trusting God over our own understanding.

• Learn how to surrender to God's solutions rather than relying solely on our limited human reasoning.

Resources Mentioned:

•  ”Streams in the Desert” by L.B. Cowman

• George Muller and his testimonies of faith

• "The Knowledge of the Holy" by A.W. Tozer

• SeedTime.com/churches

Tune in to this episode to be uplifted, inspired, and reminded of the infinite ways God can provide, even when the path seems unclear. Whether you're facing financial struggles or personal challenges, remember that God has endless solutions beyond our imagination. All it takes is trust, prayer, and a bit of faith.

Let's embark on this journey together, challenge our perspectives, and grow in our faith!

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you.

🎙 What We're Covering:

• Why Would God Help with "Selfish Prayers"?

  • Addressing the doubts and concerns raised about why God would help someone pay off debt rather than solve world hunger or stop child abuse. 

  • Linda and I get it, guys. We've cried our eyes out over the injustice in the world. We share in your heartbreak, and I talk about that emotional conflict

  • If you've ever wrestled with the morality of praying for personal financial blessings, this is your episode.
    
    
  • We're all about authentic and real conversations here, so no beating around the bush. We tackle tough questions head-on.
    
    
  • For those of you who want to increase your financial giving, get inspired to see how financial freedom can exponentially grow your impact.

We're not just talking dollars and cents; we're talking about soul-stirring, life-changing stuff here. The kind that makes you rethink not just your finances but your whole life's purpose.

Trust me; you don't want to miss this episode. It could very well be the paradigm shift you need to understand the intertwined beauty of financial stewardship and divine purpose.

See you on the inside! 🎧

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

Note: As always, this podcast isn't just for informational purposes. It's an invitation to shift perspectives, to think a little deeper, and maybe, just maybe, get one step closer to fulfilling your God-given potential.

If you've ever found yourself super excited about a new venture only to feel completely disillusioned shortly after, this episode is for you. It's a powerful deep dive into the emotional journey many of us take when starting something new, and it's filled with practical insights, anecdotes, and advice to guide you through. So plug in, lean in, and let's navigate this valley together. Blessings! 

📌 Inside this episode, we'll unpack:

• The universal path many face when starting something new, be it a business, parenthood, or any other venture.

• The critical points where decisions are made and why these might be the worst times to decide.

• The importance of knowing your purpose and how it can anchor you during challenging times.

• A practical chart explaining the ups and downs of expectations vs. reality.

• How the biggest challenges can lead to the biggest growth.

• Why speed bumps, obstacles, and failures aren't necessarily setbacks but part of the journey.

✨ Golden Nuggets:

• "When you have a strong enough why, you can endure almost any how." - Viktor Frankl

• Understanding The Valley of Disillusionment means you can navigate it better.

• "Every time we are doing things in line with God's will, there is a domino effect of side effects and positive benefits to that action."

• Quote of the Episode: "If you want to double your rate of success, you need to double your rate of failure." - Founder of IBM

Links & Resources Mentioned:

• Passive with Purpose workshop

• True Financial Freedom Course

• Real Money Method Course

• SeedTime Community Facebook Group

• Netflix's You vs Wild

• Viktor Frankl's Book: Man's Search for Meaning

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's guest is Dr. Lee Warren, a neurosurgeon with decades of experience and the author of an incredible book (Hope is the first dose) that covers everything about trauma, healing, and faith. Trust me when I say you won't be able to put his book down!

If you're someone who's gone through a traumatic event or you're in the middle of one right now, this episode is going to provide a lot of value. And even if you haven't, knowing how to handle these situations can be life-changing. Let’s get into it!

Why You Need to Listen to This Episode:

• Ever faced a traumatic event in your life? Ever been in a situation that felt (or feels) hopeless? Learn how to navigate through it with wisdom.

• Get first-hand advice from Dr. Lee Warren on dealing with everything from emotional to financial wounds.

• Curious about how a neurosurgeon views trauma? The medical metaphors are incredibly relatable!

• Struggling with your faith in the midst of a crisis? Discover what scripture won't tell you but experience will.

• And much more, including practical first steps on what to do when you're in the thick of it.

Key Topics/Questions Covered:

• The role of faith and science in facing life's challenges.

• Real-life stories of how trauma can affect financial well-being.

• "First Aid for Emotional Trauma" – Dr. Lee Warren’s initial steps for dealing with emotional wounds.

• Addressing the awkwardness: What not to say to someone going through trauma.

• Is church always a safe place? How to identify what feels like a safe space for you during traumatic times.

Resources Mentioned:

• Dr. Lee Warren’s book: Hope is the First Dose 

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode we are chatting about the strategies and techniques I use for effective learning. I truly believe that the art of learning is one of the most powerful tools God has given us, and I want to share the process that has been helping me in case you find it valuable as well!  

If you're looking to expand your knowledge, solve specific problems, or even just become better at what you do, this episode is for you!

Here's what we covered:

• My personal love for learning (spoiler: it's like Linda's love for milk chocolate chips! 🍫).

• The strategy I use when trying to grasp a new topic and how this compares to assembling a puzzle.

• How Tim Ferriss and his unique learning challenges inspire our perspective on gaining knowledge rapidly.

• The importance of recognizing where you have knowledge gaps and the humility to fill them.

• My recent journey into understanding soil macronutrients for better gardening (it's more fascinating than you might think)!

• The difference in approach between learning something entirely new vs. refining what you already know.

• Why the order or sequence in which you learn things is more critical than ever in today's age of information overload.

🔑 Key Takeaways:

• Approach learning with humility. Being open-minded allows you to absorb more and view things from different perspectives.

• Sequencing your learning is vital. Think of it as building a foundation and then constructing the house.

• Sometimes, it's about searching for that one game-changing nugget amidst the wealth of information you already know.

Resources Mentioned:

• Tim Ferriss' unique approach to rapid learning.

• The parable of the talents and its application to lifelong learning.

• Our previous podcast episode on quarterly business planning.

Final Thoughts: In an age of information overload, it's not about what you learn but how you learn. Make sure you're not just collecting data but synthesizing it in a way that can truly enrich your life and help you achieve your God-given purpose.

Tune into the SeedTime Money podcast and discover the techniques to elevate your learning process. And hey, if you're interested in a SeedTime pickleball tournament, let us know! 

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

So if you don't know our story, we have a pretty remarkable thing that God did in our lives with our mortgage. Essentially we went from being 2 years into a 30 year mortgage and then after obeying God within 9 months we had it paid off! 

We have been sharing about this a bit on Instagram and it kickstarted a Reel that went viral-ish and has stimulated a lot of conversations, so we figured it would be good to create a full-length podcast discussing the whole thing.

So grab your coffee or your smoothie, or whatever you like to sip on, and let's dive into an episode that's all about dreaming big, acting boldly, and watching God work miracles. 🙌

Resources Mentioned:

• Our Book, "Simple Money, Rich Life"

• True Financial Freedom Class

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a real treat. I had the pleasure of chatting with Chris McMurray, a pastor, author, business coach, and serial entrepreneur. Chris has a fascinating story that's been covered by national media, and he's the author of the book "Food Stamps to Franchise."

Why You Should Listen:

1. Real Stories, Real Impact: Chris shares his incredible journey from struggling with debt and food stamps to building a successful business and becoming a voice in the national conversation.

2. Faith and Business: Learn how Chris navigates the intersection of faith and business, making decisions based on principles rather than the heat of the moment.

3. Risk and Reward: If you've ever been paralyzed by the fear of starting something new, Chris's insights into risk-taking could be the push you need.

4. Cultural Influence: Chris passionately believes that the body of Christ should reclaim its seat at the table in cultural conversations. Hear why and how you can be a part of it.

Key Topics/Questions Covered:

1. Chris's remarkable story involving Vice President Joe Biden, some ice cream, and how it catapulted him into the national spotlight.

2. The importance of having a "why" in your business and life.

3. How risk has played a significant role in Chris's journey and why it's essential for anyone looking to make an impact.

4. The books that have influenced Chris the most in his business and spiritual life.

5. The one message Chris wishes the entire body of Christ better understood.

Resources Mentioned: 

1. Book: "Food Stamps to Franchise" by Chris McMurray 

2. Book: "Creating Magic" by Lee Cockerell 

3. Books by Henry Nowen: For spiritual grounding 

4. Wonder Works in Pigeon Forge, Tennessee: An indoor amusement park with a ropes course that taught Chris a life lesson about risk. 

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH, and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a special one, and I'm excited to share it with you. We're diving into a topic that's been on my mind a lot lately, and I think it's going to resonate with many of you. 

What We're Talking About Today:

1. A Fascinating Book Passage: I'm reading from "Five Wealth Secrets" by Craig Hill, and it's sparking some deep thoughts about financial principles in the Bible.

2. Jewish Wealth vs. Christian Wealth: We're exploring an intriguing question: Why do Jewish people seem to prosper more financially? We're diving into the numbers and what they might mean.

3. Old Testament Wisdom: Are we missing out on blessings by ignoring Old Testament principles? We're talking about tithing, the Sabbath, and more. It's not about being under the law; it's about understanding the blessings attached to God's instructions.

4. Living Out the Principles: It's one thing to know Bible verses; it's another to live them out. We're challenging ourselves to study and live out the principles, both Old Testament and New.

Key Takeaways:

1. Don't Dismiss Old Testament Principles: There may be blessings attached to living the way God has instructed, even in the Old Testament.

2. Balance Knowledge and Action: Knowing where a Bible passage is located is great, but living out the principle is what truly matters.

3. Seek Deeper Understanding: There's no limit to how deep we can go with God. Let's hunt down and chase after the blessings of God available to us.

Join us on this journey, and let's explore what God has for us together. If you have any stories or testimonies to share, hit us up on Instagram or email us. We'd love to hear from you.

If you enjoyed this episode, please consider leaving a review on iTunes or wherever you listen to podcasts. Your feedback helps others find the show. Thanks for listening! 🎧

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 two chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, we are hosting a passive income workshop starting tomorrow!  But you got to get signed up to get access to it!

THE ‘PASSIVE WITH PURPOSE’ WORKSHOP

Join us LIVE on Sep. 27-29th at 5:30p PT | 7:30p CT | 8:30p ET

HERE’S WHAT WE’LL COVER:

Day 1 – How Passive Income is God’s Idea (If You do it His Way)

Day 2 – The Trap of Passive Income Without Purpose (and What to Do Instead)

Day 3 – How to Find Winning Passive Income Ideas (My Winners, Losers, and Lessons Learned)

Bonus Day – 2 Simple Ways to Get Started With Passive Income

If you want to hear the rest of my story, plus…

• The 4 myths & the honest truth about passive income that no one is talking about.
• How to avoid the biggest mistakes I made pursuing passive income.
• The simple way to begin crafting your passive income blueprint (with our HI/TF Strategy tool) so you can confidently know you are heading in the right direction.
• How, in as little as one hour a week, you can begin creating a passive income stream.
• And specific examples and LIVE demos with practical steps to kickstart your passive income journey.

Then I want to invite you to come hang out with us LIVE on Sep. 27th at 7:30 CDT.

You can sign up for the free 4-day event right here: https://seedtime.com/pwp

Welcome back to another episode of the SeedTime Money Podcast! Today we’re diving into some super cool stuff— the four biggest money secrets of millionaires that most people completely misunderstand. Seriously, you don’t want to miss this, it’s eye-opening!

We're unpacking findings from a study by the Ramsey team that surveyed 10,000 millionaires and the results will shake up a lot of the myths you've heard about the actual habits of millionaires. 

Why You Should Listen:

• Whether you've given a lot of thought to your financial journey or you're still figuring it out, this episode will light a fire under you.

• If you've been overwhelmed by misconceptions about what it takes to reach financial freedom, we're busting those myths wide open.

• For those who are looking to be more generous, create passive income streams, or just live a life that honors God financially, these insights are invaluable.

• Success leaves clues! By understanding the real habits and choices of millionaires, we can apply those lessons in our own lives and change our family trees for the better.

Key Topics Covered:

• What percentage of millionaires do you think inherited their wealth? The answer will blow your mind. Spoiler: it's not what you think, and it's super encouraging!

• Think you need to rake in the big bucks to hit millionaire status? Think again. We share stats that show you don't need to earn nearly as much as you think. This is great news, friends!

• Contrary to popular belief, millionaires aren't all about that bling-bling lifestyle. We're diving deep into how millionaire spending habits actually look like, and yep, it's got a lot to do with good ol' wisdom.

• How many millionaires do you think carry a credit card balance? The stats will surprise you and offer us all a lesson. 

Resources Mentioned:

• Study by the Ramsey team on 10,000 millionaires

• The Millionaire Next Door by Thomas J. Stanley

• Glorify Bible app

• Find me on LinkedIn 

• Our Course: True Financial Freedom

• Our book: Simple Money, Rich Life 

• Our 10X Investing course

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey there, friends! In this episode of the SeedTime Money podcast, we're diving into something that's been on a lot of your minds lately: How do you approach budgeting when you have an inconsistent or variable income? Trust me, I know it's hard, but I've got some insights to share with you that might just make it a little easier.

But first, let's talk snacks! From dark chocolate mint creams to spiced cider, we're sharing our favorite Trader Joe's finds and getting excited for fall. And yes, even our four-year-old has some snack opinions to share!

Here's what you can expect from this episode:

1. Our Favorite Snacks: We're kicking things off with a light-hearted chat about our favorite treats from Trader Joe's. If you're a snack lover like us, you'll want to tune in!

2. Budgeting with Variable Income: This is the meat of the episode, where we dive into the challenges of budgeting when your income isn't consistent. We've been there, and we've got some strategies to share.

3. Real Money Method Course: We'll talk about our Real Money Method course and how it can help you with your budgeting needs. Whether you're in the basic or plus package, there's something for you.

4. Adapting to Circumstances: Life throws curveballs, and we'll discuss how to adapt your budget to whatever comes your way. It's not always fun, but it's necessary.

5. Planning for Annual Expenses: Those once-a-year expenses can throw a wrench in your budget. We'll share how we handle them and how you can too.

So grab your favorite snack, settle in, and let's talk money. Whether you're struggling with budgeting or just looking for some new snack ideas, this episode has something for you. 

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're sitting down with Aaron and Jennifer Smith, the dynamic duo behind Husband Revolution, Unveiled Wife, and their podcast, Marriage After God. They've also written a new devotional called "The Marriage Gift," that is a fantastic way to expand on your prayer for your marriage. 

Why You Should Listen to This Episode

1. Real Talk on Marriage and Money: Aaron and Jennifer get candid about their early financial struggles and how they navigated them while keeping God at the center.

2. The Power of Prayer in Marriage: We dive deep into why prayer is the ultimate game-changer for your marriage and how you can start implementing it today, even if it feels awkward at first.

3. Advice to Newlyweds: What would Aaron and Jennifer tell their younger selves?

4. The Intimacy of Prayer: We discuss why prayer is even more intimate than you might think and how it can transform your marriage.

5. Jiu-Jitsu and Marriage?: Find out how the principles of Jiu-Jitsu can actually help you in your marriage.

Highlights and Takeaways

1. Did you know that the divorce rate among couples who pray together is less than 1%? Mind-blowing, right?

2. Believe What God Says: Aaron emphasizes the importance of truly believing in God's word and promises, especially when it comes to overcoming struggles in marriage.

3. Keep Trying: Jennifer's advice to her younger self and to all of us is to keep trying, especially when things get tough.

So, if you're looking to enrich your marriage, especially in a way that honors God, you won't want to miss this episode. Grab your spouse, hit play, and let's dive in!

Links:

• Marriage After God website

• The Marriage Gift devotional

• Marriage After God podcast

• The Unveiled Wife

• The Husband Revolution

• The Marriage Prayer Challenge

• Marriage After God on Instagram -  @marriageaftergod

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

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving into a topic that's been a revelation in the making for years, and I'm thrilled to share it with you. We're exploring why money is the perfect idol and how all the things we look to money for are actually the things that God wants to be in our lives.

Here's what you can expect from this episode:

1. Why Money is the Perfect Idol: We'll break down how money can easily become an idol in our lives, replacing God in areas like provision, security, status, peace, joy, power, purpose, and identity. But don't worry, we'll also explore how to shift our focus back to God.

2. Real-Life Examples and Revelations: From our ups and downs to the lessons we've learned, we're sharing personal insights that will resonate with you. Whether you're struggling with debt or seeking to grow in the Lord, there's something here for you.

3. Practical Wisdom and Encouragement: We're not just talking about problems; we're offering solutions, encouragement, and motivation to get debt-free, save, and give. You'll hear about how God wants to be the source of everything in our lives and how we can live in that truth.

Remember, God's shovel is always bigger, and He wants to be the source of everything in our lives. Let's explore how to make that a reality together.

P.S. If this episode sparks something in you, please share your thoughts and revelations with me. I love hearing from you and learning how God is moving in your life. Together, we can grow and make a difference.

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.

One of our 10x investing students asked a question that I get asked quite often: Should we invest in companies that we disagree with morally? This is a question that many Christians wrestle with, and we're diving deep into it. We explore two different approaches:

1. Biblically Responsible Investing: Avoiding companies that don't align with our values.

2. Infiltration Approach: Buying stock in those companies to influence change.

What else we are talking about:

Prayerful Investing: We emphasize the importance of praying about our investments and recognizing that there's no one-size-fits-all answer. It's about what God has called you to do.

Consumer Responsibility: We also discuss the impact of our spending habits and how being mindful of where we shop can make a difference.

10x Investing Course: If you're interested in learning more about investing and our approach, check out our 10x investing course at seedtime.com/10x.

God's Work in the SeedTime Family: We share a wonderful review from a listener who found freedom from a scarcity mentality through our Real Money budgeting course.

Join the Conversation: We love connecting with you! Tag us on Instagram with a screenshot of the episode, and let's become friends.

Whether you're a seasoned investor or just starting to think about your finances, this episode is packed with insights, laughter, and real talk. See you inside!

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven’t checked out our best-selling book Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 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 SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.