SeedTime Money (Christian living & Personal Finances)

Want to know the secret weapon of the wealthy? It's not what you think. Forget discipline. Forget willpower. Forget complex investment strategies. The real key? Automation. In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too.   Here's what you'll discover: The shocking truth about why discipline is overrated in finance How to make hundreds of good financial decisions with just one click The "set it and forget it" strategy that could skyrocket your savings by 56% Why emotional decision-making is costing you thousands (and how to stop it) The simple hack that saved us 130 hours a year on managing our money How we used automation to give away $1 million by age 40 Plus, we're sharing the exact steps you can take TODAY to start automating your finances like a pro.   🔗Resources mentioned in this episode: Book: "Automatic Millionaire" by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085 Real Money Method (UN)budgeting system - https://seedtime.com/realmoney 10X Investing course - https://seedtime.com/10x Charles Schwab study on 401(k) automation - https://www.schwab.com/resource-center/insights/content/why-your-401k-should-be-on-auto-pilot American Time Use Survey - https://www.bls.gov/tus/ Financial Engines study on unclaimed 401(k) matches - https://financialengines.com/education-center/401k-match-lost/  SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m  Remember: The wealthy never depend on willpower. They automate their most important financial tasks. It's time for you to do the same. Ready to get started? Hit play now.   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever wondered if your donations are actually making a difference? We've got news for you: Your next charitable gift could be 100 times more effective than your last. No, that's not a typo. 100 times. In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving superhero.   Here's what you're going to discover: The shocking truth about charity effectiveness (and why some of your donations might be going to waste) Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart) The "Good Soil" principle that could multiply your impact exponentially Why some billionaires say giving money away is harder than earning it (and what you can learn from them) The hidden dangers of generosity (and how to avoid them) Whether you're dropping a few bucks in the collection plate or planning to give away millions, this episode is your roadmap to maximizing every dollar you donate.   🔗Resources mentioned in this episode: Book: "Simple Money, Rich Life" by Bob and Linda Lotich - https://www.seedtime.com/smrl  Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409988 Documentary: "Poverty, Inc." (available on Netflix) - https://www.netflix.com/title/80097120 Organization: Charity Water - https://www.charitywater.org/ Bible passages: 2 Corinthians 9:7 (NIV) Mark 12:41-44 (The Widow's Offering) Matthew 25:14-30 (Parable of the Talents) Proverbs 11:25 SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m  Remember, it's not about giving more - it's about giving smarter. Let's make every dollar count.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving deep into the counterintuitive math behind early retirement - the kind of stuff they don't teach you in school. You'll discover: Why your paycheck size matters less than you think (Sorry, LeBron!) The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals A biblical money hack that's been hiding in plain sight for thousands of years But here's the kicker: This isn't just theory. We break down real-world examples and show you exactly how to calculate your own number. By the end of this episode, you'll have a powerful new strategy to turbocharge your financial progress. Ready to transform your financial future? Let's dive in! 🔗 Resources mentioned: Book: "Simple Money, Rich Life" by Bob and Linda Lotich - Available at: https://seedtime.com/smrl Book: "Retired Before Mom and Dad" by Rob Berger - Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2J FIRE (Financial Independence, Retire Early) Movement - Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m    Remember, small actions, repeated consistently, lead to extraordinary results. What 1% change will you make today? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yewQ7wOkwH8)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time.  In this episode, we uncover: The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think) How a 10-minute exercise could save you thousands of dollars and countless hours The secret expenses that are quietly eating away at your paycheck Why that "golden handcuffs" job might not be as valuable as you think  We break down the revolutionary ideas from "Your Money or Your Life" by Vicki Robin and Joe Dominguez, showing you how to apply them in today's world. Whether you're dreaming of early retirement, considering staying home with the kids, or just want to make smarter career moves, this episode is your roadmap to financial clarity.   🔥 Resources Mentioned: "Your Money or Your Life" by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Our Free Newsletter: Sign up at https://seedtime.com for our best financial tips and strategies Bureau of Labor Statistics Consumer Expenditure Survey Check it out: https://www.bls.gov/cex/ 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m    Remember, this isn't just about crunching numbers—it's about reclaiming your time and aligning your work with your values. After listening, take 10 minutes to do this calculation for yourself. You might be surprised at what you discover! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-diz2_qrymQ)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever been told that putting your money in the stock market is no different than taking it to Vegas? We're about to blow that myth wide open. In this episode, we reveal: Why smart investing could actually be LESS risky than stuffing cash under your mattress The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason) How we went from terrified first-time investors to confidently paying off our house with one investment The shocking truth about long-term market returns that will make you question everything This isn't just financial advice – it's a paradigm shift that could transform your entire future. Don't miss it!   🔗 Resources mentioned: Our 10x Investing Course: https://seedtime.com/10x Vanguard Study on Long-Term Investing: https://investor.vanguard.com/investor-resources-education/education/market-volatility 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-gmo9RLQyvY)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to: Save over $15,000 in interest Score more than $10,000 in free travel Turn our biggest financial burden into a powerful wealth-building tool   But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it.   We break down: Why your credit score might be lying to you (and what to do about it) The "chainsaw approach" to credit cards (and why it works) How we funded our dream of giving away a million dollars using credit card strategies   Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount. Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom. Don't miss out on the credit card secrets that could change your financial future forever.   🔗 Resources Mentioned: Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652 Free Travel Article - https://seedtime.com/free-travel Credit Card Recommendations - https://seedtime.com/cc 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).  Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dmCyLz-fRt4)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we're pulling back the curtain on a financial hack so powerful, it could put an extra $2 million in your pocket. And it all starts with your next car purchase. 🔎Here's what you'll learn: The truth about new cars that dealerships don't want you to know Our 5-step formula for buying used cars that look and feel brand new How to break free from the paycheck-to-paycheck cycle using this one simple strategy The mind-blowing math behind turning car payments into a million-dollar retirement fund Why even millionaires choose used cars (hint: it's not about saving pennies)   But we don't just throw theory at you. We break down our exact process. Warning: LOL - This episode might just revolutionize how you think about cars, wealth, and financial freedom forever.   Resources Mentioned: Our book: "Simple Money, Rich Life" - https://seedtime.com/smrl-brp Our course: 10X Investing - https://seedtime.com/10x CarFax (for vehicle history reports) - https://www.carfax.com Kelley Blue Book (for car valuations) - https://www.kbb.com NADA Guides (for car valuations) - https://www.nadaguides.com 14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/   Remember, your next car decision could be worth $2 million. Don't miss this ride.   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime.  Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MzyZadQKC2k)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life. In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal.  🔎Here's what you're going to discover: The ONE book that trumps all others (Hint: It's probably already on your shelf) 5 wealth secrets most "gurus" don't want you to know How to retire before your parents (without winning the lottery) The psychological hack that turns pennies into millions Why your 401(k) might be leaving you broke (and what to do instead) Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers. P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package.    Resources Mentioned: 5 Wealth Secrets by Craig Hill - https://amzn.to/3JA15Lt The Treasure Principle by Randy Alcorn - https://amzn.to/3CNeoV1 The Automatic Millionaire by David Bach - https://amzn.to/3Psn3ny True Riches by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/ Retire before Mom & Dad by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/ The Psychology of Money by Morgan Housel - https://amzn.to/3JWbilV Our Book: Simple Money, Rich Life - https://seedtime.com/smrl 14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime.  Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-ZhVM95VvSw)! If you haven’t checked out our best-selling book Simple Money, Rich Life(https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty. 🔎Here's what you're going to discover: The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters) Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying The surprising area where most people can save a ton of money (hint: it's not what you think) How I used this technique to stay afloat after a soul-crushing layoff in 2008   But here's the kicker: This isn't just about cutting costs. It's about finding HOPE when everything seems to be falling apart. It's about taking control when the world feels out of control. It's about transforming panic into peace of mind. Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience. Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights. Let's dive in.🎧   Resources Mentioned: 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/  BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (https://www.instagram.com/seedtime).    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)! If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things. We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.   🎯 Key Takeaways:  We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point   Resources Mentioned: The 4-Hour Work Week by Tim Ferriss (book) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113  Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/  Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water  Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com  14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m    🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime.  Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/LGtdftpt0yQ)! If you haven’t checked out our best-selling book Simple Money, Rich Life(https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.