SeedTime Money (Christian living & Personal Finances)

10 Millionaire Patterns the Wealthy Follow (and Broke People Don't)

Oct 4, 2025

Discover the surprising patterns that can secure your financial future. Overspending on status traps you, while investing in education pays off. Shopping without a list can drain your funds, and the real profit often lies in investing in your skills. Evaluate purchases by hours worked and prioritize savings over high income. Surround yourself with the right people and model their habits at the correct life stage. Finally, focus on experiences that enhance your life while choosing a location that saves both time and money!

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INSIGHT

Prioritize Learning Over Status

Overspending on status and underspending on education predicts poorer financial outcomes over decades.
Invest in skills and learning rather than buying items that only signal status.

ADVICE

Shop With A List

Always shop with a list to curb impulse purchases and wasteful spending.
Use previous shopping lists or services like Instacart to stick to needs and save money.

ADVICE

Invest In Yourself First

Spend money to develop high-return skills instead of only saving small amounts.
Use discretionary savings to buy courses, certificates, or books that increase your income potential.

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Most people think wealth is about earning more. The truth? It’s about the patterns you repeat every day.

In this episode, we break down 10 specific patterns that predict whether you’ll be broke or wealthy 10–20 years from now. These aren’t obvious mistakes like “don’t buy lattes.” They’re subtle, sneaky habits that quietly lock people into financial struggle… or quietly compound into freedom.

Here’s what we cover:

Why overspending on status is a trap (and what to do instead).
How shopping without a list bleeds your bank account.
The single most profitable investment you’ll ever make (and it’s not the stock market).
Why living in the wrong location costs more than you think.
The mistake of copying successful people at the wrong season of their life.

This is the episode I wish every 20- and 30-something could hear. But truthfully, even people in their 40s and 50s are still making these mistakes.

Resources Mentioned:

Mission-Driven Millionaire Program (our coaching) → https://seedtime.com/mission-driven-millionaire/
VidAngel (content filtering platform) 1 Month FREE trial → https://seedtime.com/vidangel

👉 If you found this valuable, share it with a friend, drop a comment, and subscribe. Let’s break the broke patterns together.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2gGSV37k5_w)!

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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 1,000 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.