SeedTime Money (Christian living & Personal Finances)

The most dangerous financial trap isn't overspending. It's comfortable compromise.

After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice.

In this episode, we share:

1. The "50-50 Rule" that transformed our approach to raises and windfalls

2. Why financial "peace" might actually be sabotaging your spiritual growth

3. The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance)

4. How we're implementing a radical month-long sabbatical for our entire team

This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor.

Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit.

Resources Mentioned:

1. "Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp

2. "Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761

3. "The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442 

4. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/wcwEgUNKc0U)!

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. 

Have you ever noticed that no matter how much money you make, it never seems to be enough?

We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough.

In this episode, we reveal:

• Why having "just a little more" never satisfies (and what to do instead)

• The shocking truth about how you're already richer than John Rockefeller in ways you've never considered

• How Instagram and social media are secretly destroying your financial contentment

• The counterintuitive "no muscle" technique that transforms your relationship with money

• A practical framework for giving that's helped us stay grounded while working toward giving away $1 million

But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more – whether you make $30,000 or $3 million a year.

We also dive deep into practical strategies like:

• Why deleting certain apps might be the key to financial peace

• How to set up "contentment benchmarks" that actually work

• The biblical wisdom behind avoiding both poverty and excess wealth

• A simple gratitude practice that rewires your brain's relationship with money

Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10

Resources Mentioned:

• SeedTime "Count Your Blessings" Merch: https://shop.sdti.me

Bible Verses Referenced:

• Ecclesiastes 5:10

• Philippians 4:11-13

• Proverbs 30:7-9

Frameworks Mentioned:

• The Christmas Gift Rule: Something you want, something you need, something to wear, something to read

• The Age-Based Giving Framework: Giving your age as a percentage of income

• Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary

🗒️This episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/dNwT7BKykrA)!

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.

20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since.

Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently.

🔎In this episode, we reveal:

• The powerful mindset shift that changed everything for us

• Why my millionaire mentor drove a 10-year-old car (while I had a brand new one)

• The truth about what really counts as a "luxury"

• The biblical wisdom behind building wealth slowly and strategically

• Why most people's "waiting to save" strategy never works

• The exact method we use to fund our biggest dreams (like our future beach house ministry)

This isn't just about making money—it's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you.

📚 RESOURCES MENTIONED IN THIS EPISODE:

Books:

• "Rich Dad, Poor Dad" by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194

• "Die with Zero" by Bill Perkins - https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765

• "Simple Money, Rich Life" by Bob & Linda Lotich - https://seedtime.com/free

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Scripture References:

1. Proverbs 21:20

2. Proverbs 13:11

3. Proverbs 6:6

🗒️Note: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle!

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.

The 2-Minute Money Hack That Will Transform Your Giving Forever

Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account.

🔎In this episode, we reveal:

• The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!)

• The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!)

• Real-life examples of how we've used our Seed Account to bless others in unexpected ways

• Why this simple trick makes giving easier and more fun than you ever thought possible

 Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world?

Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today!

📚Resources Mentioned:

• Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl

• Real Money Method - https://seedtime.com/realmoney

• Susie Larson's Show - https://faithradio.com/program/live-the-promise-with-susie-larson/

• Bible Reference: 1 Corinthians 16 - https://www.biblegateway.com/passage/?search=1+Corinthians+16&version=NIV

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎯Ready to start your Seed Account? Here's your action plan:

1. Open a new bank account (savings or checking)

2. Decide on your monthly contribution amount

3. Set up an automatic transfer

4. Pray for guidance on how to use the funds

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/AlBsJ_J-0kM)!

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! Today we are breaking down our "Almost-Free Everything" Method.

🔎Here's what you'll discover:

• The counterintuitive approach to buying luxury items that actually saves you money

• How we turned a $120 Brooks Brothers coat into a financial epiphany

• The three key principles that will transform your shopping habits forever

• Why buying cheap can actually cost you more in the long run

• How to leverage brand power to your advantage (even on a budget!)

🗒️We also dive into:

• How we're making a profit on everyday purchases (and how you can too!)

• The simple question that could save you thousands on your next purchase

📚Resources mentioned in this episode:

• eBay: https://www.ebay.com/ (Our go-to for buying and selling high-value items)

• Facebook Marketplace: https://www.facebook.com/marketplace/ (Perfect for local deals)

• Our book, "Simple Money, Rich Life": seedtime.com/smrl

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎬 Bonus Content: Don't miss our YouTube video on our 5-step strategy for buying used cars! Search for "SeedTime used car buying" on YouTube, or click here: https://www.youtube.com/watch?v=vBdoysHYoNg.

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/Nxkw_rOMCMc)!

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 one of the most significant practices that revolutionized our finances and took us from broke to being able to reach our million dollar giving goal: praying scripture over our finances.

🔎We dive deep into:

• The truth about why separating God from your finances is holding you back

• 5 reasons why praying scripture will transform your money (and your life)

• Our personal journey from financial stress to abundance through this powerful practice

• Practical steps to start seeing results in your own life TODAY

Plus, we're giving you our secret weapon: a FREE resource packed with the exact verses, declarations, and prayer starters we used to transform our financial life.

Don't miss this opportunity to revolutionize your relationship with money and invite God's supernatural intervention into your finances!

📚Resources mentioned:

• FREE Prayer & Scripture Resource: https://seedtime.com/prayer

• The Payoff 10K Plan course: https://seedtime.com/10k

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

📖Bible verses discussed:

1. Philippians 4:19

2. Matthew 6:26

3. Psalm 37:25

4. 2 Corinthians 9:8

5. Deuteronomy 31:6,8

6. Proverbs 16:3

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/Eu30GlfLY6g)!

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.

Are you tired of feeling trapped by debt? What if I told you that the key to getting out of debt isn't just about making more money?

In this episode, we're tackling the question that's keeping millions of Americans up at night: "Why am I still in debt despite my best efforts?"

🔎We're pulling back the curtain on:

1. 5 hidden mistakes that are likely sabotaging your debt payoff journey

2. The shocking truth about minimum payments (and why your credit card company loves them)

3. A powerful strategy that helped one of our community members pay off $10,000 in just 6 months

4. The counterintuitive approach that could transform your finances in the next 30 days

Don't miss this chance to finally break free from the chains of debt and start building real wealth!

📚Resources mentioned:

• The Payoff 10K Plan course: https://seedtime.com/10k

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

📖Bible verses discussed:

• Proverbs 22:7

• Ecclesiastes 4:4

• Matthew 6:25-34

Don't let another day go by feeling trapped by debt. It's time to take action and transform your financial future!

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/nlENoTAdbBI)!

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 sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer."

🔍 Here's what we uncovered:

• The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses

• Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement this in your life)

• The counterintuitive link between prayer and stress reduction in high-pressure leadership roles

• How to create a "prayer culture" in your workplace (even if you're in a Fortune 100 company)

• The untold story of how a small act of obedience in Ukraine sparked a global movement

But here's the kicker: This isn't just theory. We've implemented these strategies in our own organization, and the results have been nothing short of miraculous.

If you're tired of feeling stuck, stressed, or simply not seeing the breakthrough you know God has for you, this episode is your wake-up call.

It's time to stop relying on your own strength and tap into the ultimate source of wisdom, creativity, and power.

Resources Mentioned:

• "Lead with Prayer" by Peter Greer - https://www.amazon.com/Lead-Prayer-Unlocking-Transformational-Leadership/dp/1540902293

• Lead with Prayer website - https://www.leadwithprayer.com

• HOPE International - https://www.hopeinternational.org

• "Praying Like Fools" by Tyler Stanton - https://www.amazon.com/Praying-Like-Fools-Taking-Seriously/dp/0310363926

• "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409989

• "Poverty, Inc." documentary - https://www.povertyinc.org

• SeedTime website - https://seedtime.com

Ready to revolutionize your prayer life and unlock your true potential as a leader? Grab your copy of "Lead with Prayer" now at https://www.leadwithprayer.com

Remember: The world doesn't need more burnt-out leaders trying to change the world in their own strength. It needs leaders who know how to tap into the ultimate source of power, wisdom, and love.

Let's pray like our lives—and the lives of those we lead—depend on it. Because they do.

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 (https://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Xgfi9ZcfUuE)!

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 wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development.

In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary.

🔎Here's what we unpack:

• The shocking truth about becoming indispensable (hint: it's not what you think)

• The biblical hack for career success that most people miss

• How a comic strip creator cracked the code to an extraordinary career

But we don't just talk theory. We give you actionable steps to identify and develop your own micro-skills, potentially 10x-ing your value in the marketplace.

Whether you're a seasoned pro or just starting out, this episode is your roadmap to becoming the go-to person in your field. Don't miss out on this career-defining information!

📚Resources Mentioned:

• Comic: Dilbert by Scott Adams http://dilbert.com/

• Bible Verses:

• Parable of the Talents (Matthew 25)

• Proverbs 22:29

• Ephesians 2 (Prayer for enlightenment)

• SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Remember: Your homework is to identify 5-10 micro-skills you could develop. Start with one this week. Google it, YouTube it, read about it. Then watch as you start crushing it in your career!

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/I9e6Nu3kA70)!

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.