SeedTime Money (Christian living & Personal Finances)

Hey friend! Today we are talking about:

• The dangerous lie about money that keeps 96% of people financially stagnant
• Why investing isn't just for the wealthy - it's a powerful tool for anyone who wants to make a difference
• The shocking experiment that shows what happens when you give 100 people $10,000
• The simple math function that separates financial winners from losers
• How to shift your mindset from subtraction to multiplication
• The Biblical case for smart investing (hint: it's about more than just getting rich)
• Why the stock market isn't as risky as you might think - and how to approach it wisely
• The life-changing power of compound interest over time
• How to start multiplying your money today, even if you know nothing about investing

Links and resources mentioned:

• Episode 17 of the podcast series (discussing investment risks)
• 10X Investing Course: https://seedtime.com/10x  - and be sure to use coupon code: PODCAST20 (limited time discount)

Plus, we share personal stories of how we overcame limiting beliefs about wealth and learned to see money as a tool for Kingdom impact. Whether you're a financial novice or looking to level up your strategy, this episode will challenge your assumptions and inspire you to become a multiplier.

Is your favorite hobby secretly sabotaging your financial future?

Today, we dive deep into the hidden costs of our pastimes and reveal how strategic hobby selection can impact your financial progress and happiness.

🔎Here's what you'll learn:

• Why I gave up golf at 13 (and how it changed my financial trajectory)

• The shocking truth about identity-driven hobbies

• How to turn your shopping addiction into a money-making machine

• The "paddle sports secret" to living longer (and richer)

• Why your spouse might be nodding their head right now (and what to do about it)

💡But this isn't just about cutting costs. We'll show you how to:

• Transform your passions into profit centers

• Hack your happiness by redirecting your focus

• Unleash the power of "seasonal hobbies" for explosive growth

Warning: This episode might make you rethink everything you thought you knew about work-life balance and personal finance. Are you ready to level up?

 Resources Mentioned:

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

Remember, where your treasure is, there your heart will be also. It's time to make your hobbies work for you, not against you.

Ready to transform your free time into a wealth-building machine? 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/f2nTLQBVVmg)!

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,  Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture.

Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice.

Why You Should Listen:

• Family Culture and Rite of Passage Ceremonies: Discover how Chris and Jenni use rite of passage ceremonies to mark significant moments in their kids’ lives, helping to build a strong family identity and culture.

• Real Talk on Marriage and Parenting: We dive into how to keep the spark alive in your marriage, especially when life gets busy, and the importance of speaking life over your spouse and kids.

• Entrepreneurship and Family Finances: Chris and Jenni discuss how their entrepreneurial ventures have influenced their family’s financial life, and how they teach their kids about money through hands-on experience.

• Creating Rhythms in Family Life: The Graebes break down their five key rhythms for a thriving family, focusing on how to bring peace and intentionality into the chaos of everyday life.

Resources Mentioned:

• Book: Rhythm of Home by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Home-Intentional-Practices-Thriving/dp/1641582928

• Book: The Rhythm of Us by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Us-Create-Thriving-Marriage/dp/164158288X  

• Book: The Intentional Father by Jon Tyson - https://www.amazon.com/Intentional-Father-Practical-Courage-Character/dp/0801018684

• Book: Value Creation Kid by Lee Benson - https://www.amazon.com/Value-Creation-Kid-Struggles-Children/dp/1636801463 

• The Crowd Investing Platform: Check out Chris's platform at https://www.crwd.co (to learn how you can invest in early-stage startups)

• John and Stasi Eldredge: Influences behind the Graebe’s rite of passage ceremonies - https://wildatheart.org/ 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/QL5SWzuLjNQ)!

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.

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:

1. The shocking truth about why discipline is overrated in finance

2. How to make hundreds of good financial decisions with just one click

3. The "set it and forget it" strategy that could skyrocket your savings by 56%

4. Why emotional decision-making is costing you thousands (and how to stop it)

5. The simple hack that saved us 130 hours a year on managing our money

6. 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:

1. Book: "Automatic Millionaire" by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085

2. Real Money Method (UN)budgeting system - https://seedtime.com/realmoney

3. 10X Investing course - https://seedtime.com/10x

4. Charles Schwab study on 401(k) automation - https://www.schwab.com/resource-center/insights/content/why-your-401k-should-be-on-auto-pilot

5. American Time Use Survey - https://www.bls.gov/tus/

6. Financial Engines study on unclaimed 401(k) matches - https://financialengines.com/education-center/401k-match-lost/ 

7. 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:

1. The shocking truth about charity effectiveness (and why some of your donations might be going to waste)

2. Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart)

3. The "Good Soil" principle that could multiply your impact exponentially

4. Why some billionaires say giving money away is harder than earning it (and what you can learn from them)

5. 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:

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

2. Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409988

3. Documentary: "Poverty, Inc." (available on Netflix) - https://www.netflix.com/title/80097120

4. Organization: Charity Water - https://www.charitywater.org/

5. Bible passages:

   1. 2 Corinthians 9:7 (NIV)

   2. Mark 12:41-44 (The Widow's Offering)

   3. Matthew 25:14-30 (Parable of the Talents)

   4. Proverbs 11:25

6. 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:

1. Why your paycheck size matters less than you think (Sorry, LeBron!)

2. The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals

3. 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:

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

2. Book: "Retired Before Mom and Dad" by Rob Berger - Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2J

3. FIRE (Financial Independence, Retire Early) Movement - Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp

4. 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:

1. "Your Money or Your Life" by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766

2. Our Free Newsletter: Sign up at https://seedtime.com for our best financial tips and strategies

3. Bureau of Labor Statistics Consumer Expenditure Survey Check it out: https://www.bls.gov/cex/

4. 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:

1. Why smart investing could actually be LESS risky than stuffing cash under your mattress

2. The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason)

3. How we went from terrified first-time investors to confidently paying off our house with one investment

4. 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:

1. Our 10x Investing Course: https://seedtime.com/10x

2. Vanguard Study on Long-Term Investing: https://investor.vanguard.com/investor-resources-education/education/market-volatility

3. 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:

1. Save over $15,000 in interest

2. Score more than $10,000 in free travel

3. 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:

1. Why your credit score might be lying to you (and what to do about it)

2. The "chainsaw approach" to credit cards (and why it works)

3. 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:

1. Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652

2. Free Travel Article - https://seedtime.com/free-travel

3. Credit Card Recommendations - https://seedtime.com/cc

4. 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.