Have you ever felt like no matter how hard you work, you're still not getting ahead financially?

You're not lazy. You're not broken.

You're just programmed.

In this episode, we unpack 10 sneaky ways society wires us to stay broke—and most of us don’t even realize it’s happening. From how we’re taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call.

💡 We break down:

• The mindset traps that make you fear risk but stay stuck in debt
• Why chasing comfort might be the most expensive decision you ever make
• The reason most people work hard but never build wealth
• How to deprogram yourself and step into true financial freedom

📚 Resources & Tools  Mentioned:

• The Humble Penny post that inspired this episode: https://www.instagram.com/p/DHk6jvVqS-n/?igsh=MWF0bnczbnZrMDNtdA==

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/63aBPTZcGFA)!

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 800 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.

For nine straight years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward.

I had no clue what to do. I felt helpless. The numbers were bad—worse than I realized. And I remember thinking: God, did you bring me here just to let it all fall apart?

But what happened next changed everything.

In this episode, I take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in $11K. I share my raw, unfiltered journal entries from that time and the powerful realization that pulled me out of the pit.

If you're in a season where you're wondering if God is still moving in your life, this is for you.

💡 Resources Mentioned:

• Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free  

🙌 If this episode encouraged you, send it to a friend who needs to hear it.

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/2kSwpTUjops)!

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 800 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.

Jamie Winship is back. Kind of.  We are sharing pieces of a talk he gave where he shared some powerful insights about how he thinks about money.  We loved them so we wanted to share them with you! What happens when God takes away everything you thought you needed? What if the greatest financial lesson isn’t about making more but trusting more?

In this episode, we explore how God provides in ways we could never predict—whether it’s cash mysteriously appearing in a newspaper, a stranger covering a need at just the right moment, or learning the hard lesson that we can’t out-give or out-risk God.

We also share our own financial journey—times of abundance, times of struggle, and the unexpected ways God has shown up through it all. If you've ever wrestled with financial insecurity, struggled with trusting God in your provision, or just want to hear some mind-blowing testimonies of faith in action, this episode is for you.

What You'll Learn in This Episode:

• Why money can be one of the biggest barriers to truly trusting God

• How Jamie Winship and his family lived for two years with zero income and saw God provide

• The sneaky ways financial security can shift our trust away from God

• The power of childlike faith when it comes to provision

• Why you can't out-risk or out-give God

• How to break free from the world’s financial norms and live in God’s economy

Resources Mentioned:

• Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free

• Our previous episode with Jamie Winship where we discussed removing fear in our finances: https://youtu.be/sIescTfM6DA?si=8Kbs0rUiURv9cjCD

• Jamie Winship’s Full Message: https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2

• Jamie Winship’s Website: https://identityexchange.com/ 

• George Müller’s Story – A classic example of radical financial faith: https://georgemuller.org/devotional/a-famous-story-about-mullers-faith

Join the Conversation: How has God provided for you in unexpected ways? Share your testimony with us in the comments or DM us on Instagram @Seedtime. We’d love to hear how He’s been moving in your life!

Don’t forget to subscribe & leave a review! If this episode blessed you, share it with a friend who needs to hear it. 🙌

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/Yl-3FQFH1FU)!

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 800 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! It is Linda driving this one today!  And most of us know Jehovah Jireh as "The Lord Who Provides"—but what if we’ve been missing something even deeper?

In this episode, I sit down with Shelly Griffin, a Biblical scholar and dear friend whose understanding of God's names will challenge everything you thought you knew about faith, surrender, and divine provision.

We dive deep into:

• The hidden meaning of "Jehovah Jireh" that changes how we see God's provision.

• Why God doesn't just see—He sees TO IT.

• The gut-wrenching story of Abraham and Isaac and why it makes no sense… until it does.

• How God’s timing is never random—He provides in the exact moment we need Him.

• The personal struggles, modern-day tests of faith, and why surrender is the key to experiencing God's presence.

If you've ever wondered:

• "Why would God ask me to give something up—especially something He gave me?

• Why does obedience feel so costly sometimes?"

• "How can I know if God will REALLY provide?"

This episode will give you answers—and maybe even wreck you (in the best way).

Resources Mentioned:

• Genesis 22 – The story of Abraham & Isaac

• Hebrews 11 – The faith chapter

• CeCe Winans – “Refiner” ( Highly recommend): https://open.spotify.com/track/4pduLDsqSxHd2eOMt8VHt3

• Study on the Names of God

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/JBw37vd8AOE)!

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 800 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.

Does God actually care about your money?  At first, it might seem like a purely earthly issue—like choosing the right toothpaste. But when you dig into scripture, you’ll find that money is one of the most talked-about topics in the Bible.

Why? Because it’s deeply connected to our hearts, our trust, and our faith.

In this episode, we unpack:

• Why God isn’t obsessed with money—but cares deeply about YOU.

• How finances can be the #1 thing pulling your heart away from God (and how to guard against it).

• Why financial struggles can feel like punishment—but are often preparation.

• How to find TRUE financial freedom (Hint: It’s not about Lambos or early retirement).

• The mindset shift that will transform how you view financial ups & downs.

• Powerful testimonies of God’s provision when everything seemed lost.

We also share personal stories, biblical wisdom, and practical encouragement for anyone wrestling with finances and faith. Whether you’re in a tough spot right now or just want to align your financial life with God's heart, this episode is for you.

Resources Mentioned:

• Galatians 6:9 – Don’t grow weary in well-doing; your breakthrough is coming.

• Philippians 4:12-13 – The secret to contentment in all situations.

• Hebrews 12:7 – Viewing suffering as God's loving discipline.

• Matthew 6:26 – God provides for the birds—how much more will He care for you?

• Joseph’s Story (Genesis 37-50) – 

📲Follow us on Instagram for daily encouragement → Instagram @SeedTime - instagram.com/seedtime/

 📩Join our email list for exclusive content → Sign up link - seedtime.com/subscribe/

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/xpW5xaVU83o)!

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 800 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.

Let’s be honest—grocery prices are out of control. If you feel like you’re spending WAY too much on food, you’re not alone.

In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love.

🚀Inside this episode, we cover:

•  The BIGGEST grocery store mistake (and how to stop making it)

•  How to meal plan like a pro (even if you hate meal planning)

•  The secret grocery store timing trick that can save you 30%+

•  Why we stopped using Green Chef (and what we’re doing instead)

•  Costco vs. Aldi vs. Trader Joe’s—what’s ACTUALLY worth it?

📚Resources Mentioned:

• Article Mentioned -  https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html

•  Instacart – How we use it to avoid impulse purchases - https://www.instacart.com 

•  Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com 

•  Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking 

•  My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX 

• How to Find Grocery Store Sales – A deep dive into the best times to buy.

💫Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected].

And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

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/c3UtEC54STA)!

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.

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process.

🔎We’re talking about:

• The #1 mistake couples make with money (and how to fix it fast)

• How to plan your finances together without it turning into an argument

• The controversial topic of joint vs. separate accounts—what actually works?

• Why budgeting isn’t just about numbers—it’s about freedom and alignment

• The secret sauce that divorce-proofs your marriage (seriously, don’t skip this one)

🎯One big takeaway? 

Money isn’t just about dollars and cents—it’s about unity, trust, and making sure you’re working as a team. Whether you’re newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it.

🎙️Listen now and start winning with money AND marriage!

📚Resources Mentioned:

• His and Her Money Podcast – Hosted by Talaat & Tai McNeely (hisandhermoney.com)

• Chuck Bentley – CEO of Crown Financial Ministries (crown.org)

• Crystal Paine – The Money-Saving Mom (moneysavingmom.com)

• Budgeting Tools – YNAB (youneedabudget.com) & EveryDollar (everydollar.com)

• Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21

👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this!

💫Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected].

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

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/b58UEKRjeKY)!

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 800 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.

How did we crush a 30-year mortgage in just 3 years? We’re breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too.

🔎In this episode, we cover:

• The radical mindset shifts that changed everything.

• Why you should never let the bank dictate how much house you can afford.

• The power of prayer and giving (and how they impacted our finances).

• Tools and strategies we used to track every dollar (and why most budgets fail).

• How discovering and monetizing your God-given gifts could be the key to financial freedom.

Plus, we’re sharing personal stories, practical tips, and the scripture that guided us on this journey.

📚Resources Mentioned:

• Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free

• Empower Personal Dashboard: empower.com

• Rocket Money App: rocketmoney.com

• Real Money Method - Learn more on: SeedTime.com/realmoney

👉 Don’t forget to leave a review—it helps more people hear this life-changing message!

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected].

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

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/_K1ri6q_Kbo)!

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 diving deep into an astonishing truth about Heaven’s streets of gold and what it teaches us about abundance, provision, and God’s priorities.

Spoiler: Heaven’s economy makes Earth’s GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God.

🔎Here’s what you’ll learn:

• The mind-blowing value of Heaven’s streets (hint: 67 quintillion dollars worth of gold).

• Why God uses gold as pavement and what it tells us about His priorities.

• A.W. Tozer’s insight on the most important thing about you.

• How understanding God’s abundance can change your financial perspective.

• Practical encouragement for trusting God through financial struggles.

📚Resources Mentioned:

• Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl

• Bible References: Revelation 21, Matthew 6:26, Philippians 4:19.

• More about Heaven’s streets of gold: Revelation 21

👉 If this episode encouraged you, share it with someone who needs hope today! 

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected].

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

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/GOmsHYD2fTw)!

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 of the SeedTime Money Podcast, we’re breaking down 6 game-changing money moves you can make with just $1,000.

Whether you’re hitting this financial milestone for the first time or you’re ready to maximize your savings, these steps will help you make smarter decisions with your money today.

🔎 I’ll Cover:

• A passive way to dip your toes into real estate investing with just $10 (yes, seriously).

• Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one).

• How investing in your financial education can literally change your life.

• A free tool to calculate when you’ll be able to retire and stay on track.

• Why the right credit card can actually work in your favor.

• How to protect your money from fraud and hackers (don’t skip this step!).

💡Resources Mentioned:

• Fundrise: A simple way to invest in real estate – https://seedtime.com/fundrise-1000
• CIT Bank: High-yield savings account – https://seedtime.com/cit-1000
• Motley Fool Investing Course: https://seedtime.com/motley-1000
• SeedTime's 10X Investing Course - https://seedtime.com/10x 
• Empower Retirement Planner: https://seedtime.com/pc-1000
• Chase Sapphire Preferred Credit Card: https://seedtime.com/sapphire-1000
• LifeLock Identity Protection: https://seedtime.com/lifelock-1000

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.