Does God care more about paying off debt than ending child abuse?

<p dir="ltr">Hey friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you.</p> <p dir="ltr"> </p> <p dir="ltr">🎙 What We're Covering:</p> <ul> <li dir="ltr"> <p dir="ltr">Why Would God Help with "Selfish Prayers"?</p> <ul> <li dir="ltr"> <p dir="ltr">Addressing the doubts and concerns raised about why God would help someone pay off debt rather than solve world hunger or stop child abuse. </p> </li> <li dir="ltr"> <p dir="ltr">Linda and I get it, guys. We've cried our eyes out over the injustice in the world. We share in your heartbreak, and I talk about that emotional conflict</p> </li> <li dir="ltr"> If you've ever wrestled with the morality of praying for personal financial blessings, this is your episode. </li> <li dir="ltr">We're all about authentic and real conversations here, so no beating around the bush. We tackle tough questions head-on. </li> <li dir="ltr">For those of you who want to increase your financial giving, get inspired to see how financial freedom can exponentially grow your impact.</li> </ul> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">We're not just talking dollars and cents; we're talking about soul-stirring, life-changing stuff here. The kind that makes you rethink not just your finances but your whole life's purpose.</p> <p dir="ltr">Trust me; you don't want to miss this episode. It could very well be the paradigm shift you need to understand the intertwined beauty of financial stewardship and divine purpose.</p> <p dir="ltr">See you on the inside! 🎧</p> <p dir="ltr">Watch this episode on our <a href="https://youtube.com/live/uFJexJu16no">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.</p>  </p> <p dir="ltr"> </p> <p dir="ltr"> </p>  </p> <p dir="ltr"><em>Note: As always, this podcast isn't just for informational purposes. It's an invitation to shift perspectives, to think a little deeper, and maybe, just maybe, get one step closer to fulfilling your God-given potential.</em></p>  </p>

00:18:37

If you understand this 1 thing, it'll make almost everything easier (the valley of disillusionment)

<p dir="ltr">If you've ever found yourself super excited about a new venture only to feel completely disillusioned shortly after, this episode is for you. It's a powerful deep dive into the emotional journey many of us take when starting something new, and it's filled with practical insights, anecdotes, and advice to guide you through. So plug in, lean in, and let's navigate this valley together. Blessings! </p> <p dir="ltr">📌 Inside this episode, we'll unpack:</p> <ul> <li dir="ltr"> <p dir="ltr">The universal path many face when starting something new, be it a business, parenthood, or any other venture.</p> </li> <li dir="ltr"> <p dir="ltr">The critical points where decisions are made and why these might be the worst times to decide.</p> </li> <li dir="ltr"> <p dir="ltr">The importance of knowing your purpose and how it can anchor you during challenging times.</p> </li> <li dir="ltr"> <p dir="ltr">A practical chart explaining the ups and downs of expectations vs. reality.</p> </li> <li dir="ltr"> <p dir="ltr">How the biggest challenges can lead to the biggest growth.</p> </li> <li dir="ltr"> <p dir="ltr">Why speed bumps, obstacles, and failures aren't necessarily setbacks but part of the journey.</p> </li> </ul>  </p> <p dir="ltr">✨ Golden Nuggets:</p> <ul> <li dir="ltr"> <p dir="ltr">"When you have a strong enough why, you can endure almost any how." - Viktor Frankl</p> </li> <li dir="ltr"> <p dir="ltr">Understanding The Valley of Disillusionment means you can navigate it better.</p> </li> <li dir="ltr"> <p dir="ltr">"Every time we are doing things in line with God's will, there is a domino effect of side effects and positive benefits to that action."</p> </li> <li dir="ltr"> <p dir="ltr">Quote of the Episode: "If you want to double your rate of success, you need to double your rate of failure." - Founder of IBM</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr"> </p> <p dir="ltr">Links & Resources Mentioned:</p> <ul> <li dir="ltr"> <p dir="ltr"><a href="http://seedtime.com/pwp">Passive with Purpose workshop</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="http://seedtime.com/tff">True Financial Freedom Course</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="http://seedtime.com/realmoney">Real Money Method Course</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.facebook.com/groups/1156067904425625">SeedTime Community Facebook Group</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.netflix.com/title/80227574">Netflix's You vs Wild</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.amazon.com/Mans-Search-Meaning-Viktor-Frankl-ebook/dp/B009U9S6FI"> Viktor Frankl's Book: Man's Search for Meaning</a></p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Watch this episode on our <a href="https://youtube.com/live/7Isf9aD9Cvo">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” </p> You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> 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.</p>

00:29:55

How to have hope when all seems lost with Dr. Lee Warren

<p dir="ltr">Today's guest is Dr. Lee Warren, a neurosurgeon with decades of experience and the author of an incredible book (Hope is the first dose) that covers everything about trauma, healing, and faith. Trust me when I say you won't be able to put his book down!</p> <p dir="ltr">If you're someone who's gone through a traumatic event or you're in the middle of one right now, this episode is going to provide a lot of value. And even if you haven't, knowing how to handle these situations can be life-changing. Let’s get into it!</p> <p dir="ltr"> </p> Why You Need to Listen to This Episode: <ul> <li dir="ltr"> <p dir="ltr">Ever faced a traumatic event in your life? Ever been in a situation that felt (or feels) hopeless? Learn how to navigate through it with wisdom.</p> </li> <li dir="ltr"> <p dir="ltr">Get first-hand advice from Dr. Lee Warren on dealing with everything from emotional to financial wounds.</p> </li> <li dir="ltr"> <p dir="ltr">Curious about how a neurosurgeon views trauma? The medical metaphors are incredibly relatable!</p> </li> <li dir="ltr"> <p dir="ltr">Struggling with your faith in the midst of a crisis? Discover what scripture won't tell you but experience will.</p> </li> <li dir="ltr"> <p dir="ltr">And much more, including practical first steps on what to do when you're in the thick of it.</p> </li> </ul>   Key Topics/Questions Covered: <ul> <li dir="ltr"> <p dir="ltr">The role of faith and science in facing life's challenges.</p> </li> <li dir="ltr"> <p dir="ltr">Real-life stories of how trauma can affect financial well-being.</p> </li> <li dir="ltr"> <p dir="ltr">"First Aid for Emotional Trauma" – Dr. Lee Warren’s initial steps for dealing with emotional wounds.</p> </li> <li dir="ltr"> <p dir="ltr">Addressing the awkwardness: What not to say to someone going through trauma.</p> </li> <li dir="ltr"> <p dir="ltr">Is church always a safe place? How to identify what feels like a safe space for you during traumatic times.</p> </li> </ul>   Resources Mentioned: <ul> <li dir="ltr"> <p dir="ltr"><a href="https://www.amazon.com/Hope-First-Dose-Treatment-Recovering/dp/0593445392"> Dr. Lee Warren’s book: Hope is the First Dose</a> </p> </li> </ul>  </p> <p dir="ltr">Watch this episode on our <a href="https://youtu.be/UV_5s-424Q8">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> 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.</p>  </p>

00:41:38

My exact strategy I use to learn about money (and everything else)

<p dir="ltr">In this episode we are chatting about the strategies and techniques I use for effective learning. I truly believe that the art of learning is one of the most powerful tools God has given us, and I want to share the process that has been helping me in case you find it valuable as well!  </p> <p dir="ltr">If you're looking to expand your knowledge, solve specific problems, or even just become better at what you do, this episode is for you!</p> <p dir="ltr"> </p> <p dir="ltr">Here's what we covered:</p> <ul> <li dir="ltr"> <p dir="ltr">My personal love for learning (spoiler: it's like Linda's love for milk chocolate chips! 🍫).</p> </li> <li dir="ltr"> <p dir="ltr">The strategy I use when trying to grasp a new topic and how this compares to assembling a puzzle.</p> </li> <li dir="ltr"> <p dir="ltr">How Tim Ferriss and his unique learning challenges inspire our perspective on gaining knowledge rapidly.</p> </li> <li dir="ltr"> <p dir="ltr">The importance of recognizing where you have knowledge gaps and the humility to fill them.</p> </li> <li dir="ltr"> <p dir="ltr">My recent journey into understanding soil macronutrients for better gardening (it's more fascinating than you might think)!</p> </li> <li dir="ltr"> <p dir="ltr">The difference in approach between learning something entirely new vs. refining what you already know.</p> </li> <li dir="ltr"> <p dir="ltr">Why the order or sequence in which you learn things is more critical than ever in today's age of information overload.</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">🔑 Key Takeaways:</p> <ul> <li dir="ltr"> <p dir="ltr">Approach learning with humility. Being open-minded allows you to absorb more and view things from different perspectives.</p> </li> <li dir="ltr"> <p dir="ltr">Sequencing your learning is vital. Think of it as building a foundation and then constructing the house.</p> </li> <li dir="ltr"> <p dir="ltr">Sometimes, it's about searching for that one game-changing nugget amidst the wealth of information you already know.</p> </li> </ul>  </p> <p dir="ltr">Resources Mentioned:</p> <ul> <li dir="ltr"> <p dir="ltr"><a href="https://tim.blog/2014/09/30/the-tim-ferriss-show-tracy-dinunzio-on-rapid-growth-and-rapid-learning/"> Tim Ferriss' unique approach to rapid learning.</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://seedtime.com/the-parable-of-the-talents/">The parable of the talents and its application to lifelong learning.</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://youtu.be/M_693Ux9Akc">Our previous podcast episode on quarterly business planning.</a></p> </li> </ul>  </p> <p dir="ltr">Final Thoughts: In an age of information overload, it's not about what you learn but how you learn. Make sure you're not just collecting data but synthesizing it in a way that can truly enrich your life and help you achieve your God-given purpose.</p> <p dir="ltr">Tune into the SeedTime Money podcast and discover the techniques to elevate your learning process. And hey, if you're interested in a SeedTime pickleball tournament, let us know! </p> <p dir="ltr">Watch this episode on our <a href="https://youtube.com/live/oFC1ntw_7_8">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.</p>  </p>

00:28:31

How we paid off our mortgage in 9 months

<p dir="ltr">So if you don't know our story, we have a pretty remarkable thing that God did in our lives with our mortgage. Essentially we went from being 2 years into a 30 year mortgage and then after obeying God within 9 months we had it paid off! </p> <p dir="ltr">We have been sharing about this a bit on Instagram and it kickstarted a Reel that went viral-ish and has stimulated a lot of conversations, so we figured it would be good to create a full-length podcast discussing the whole thing.</p> <p dir="ltr">So grab your coffee or your smoothie, or whatever you like to sip on, and let's dive into an episode that's all about dreaming big, acting boldly, and watching God work miracles. 🙌</p>  </p> Resources Mentioned: <ul> <li dir="ltr"> <p dir="ltr"><a href="https://seedtime.com/smrl">Our Book, "<em>Simple Money, Rich Life</em>"</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="http://seedtime.com/tff">True Financial Freedom Class</a></p> </li> </ul>  </p> <p dir="ltr">Watch this episode on our <a href="https://youtube.com/live/DBrEyYzURjs">SeedTime Money Podcast YouTube channel</a>!</p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” </p> You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> 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.</p>

00:34:52

Refusing to serve Joe Biden ice cream and the lessons learned

<p dir="ltr">Today's episode is a real treat. I had the pleasure of chatting with Chris McMurray, a pastor, author, business coach, and serial entrepreneur. Chris has a fascinating story that's been covered by national media, and he's the author of the book "Food Stamps to Franchise."</p> <p dir="ltr">Why You Should Listen:</p> <ol> <li dir="ltr"> <p dir="ltr">Real Stories, Real Impact: Chris shares his incredible journey from struggling with debt and food stamps to building a successful business and becoming a voice in the national conversation.</p> </li> <li dir="ltr"> <p dir="ltr">Faith and Business: Learn how Chris navigates the intersection of faith and business, making decisions based on principles rather than the heat of the moment.</p> </li> <li dir="ltr"> <p dir="ltr">Risk and Reward: If you've ever been paralyzed by the fear of starting something new, Chris's insights into risk-taking could be the push you need.</p> </li> <li dir="ltr"> <p dir="ltr">Cultural Influence: Chris passionately believes that the body of Christ should reclaim its seat at the table in cultural conversations. Hear why and how you can be a part of it.</p> </li> </ol>  </p> <p dir="ltr">Key Topics/Questions Covered:</p> <ol> <li dir="ltr"> <p dir="ltr">Chris's remarkable story involving Vice President Joe Biden, some ice cream, and how it catapulted him into the national spotlight.</p> </li> <li dir="ltr"> <p dir="ltr">The importance of having a "why" in your business and life.</p> </li> <li dir="ltr"> <p dir="ltr">How risk has played a significant role in Chris's journey and why it's essential for anyone looking to make an impact.</p> </li> <li dir="ltr"> <p dir="ltr">The books that have influenced Chris the most in his business and spiritual life.</p> </li> <li dir="ltr"> <p dir="ltr">The one message Chris wishes the entire body of Christ better understood.</p> </li> </ol>  </p> <p dir="ltr">Resources Mentioned: </p> <ol> <li dir="ltr"> <p dir="ltr"><a href="https://www.amazon.com/Food-Stamps-Franchise-Workbook-Brokenness/dp/B0CFZFDS6Y"> Book: "Food Stamps to Franchise" by Chris McMurray</a> </p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.amazon.com/Creating-Magic-Leadership-Strategies-Cockerell/dp/B00NBF0FQK/"> Book: "Creating Magic" by Lee Cockerell</a> </p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.amazon.com/stores/Henri-J.-M.-Nouwen/author/B000AQ4ZZ0"> Books by Henry Nowen: For spiritual grounding</a> </p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.wonderworksonline.com/pigeon-forge/">Wonder Works in Pigeon Forge, Tennessee:</a> An indoor amusement park with a ropes course that taught Chris a life lesson about risk. </p> </li> </ol>  </p> <p dir="ltr">Watch this episode on our <a href="https://youtu.be/-4o_GHXZWcA">SeedTime Money Podcast YouTube channel</a>!</p> <p dir="ltr"> </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH, and has over 400 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.</p>  </p>

00:32:30

Why these people are wealthier than Christians

<p dir="ltr">Today's episode is a special one, and I'm excited to share it with you. We're diving into a topic that's been on my mind a lot lately, and I think it's going to resonate with many of you. </p>  </p> <p dir="ltr">What We're Talking About Today:</p> <ol> <li dir="ltr"> <p dir="ltr">A Fascinating Book Passage: I'm reading from "Five Wealth Secrets" by Craig Hill, and it's sparking some deep thoughts about financial principles in the Bible.</p> </li> <li dir="ltr"> <p dir="ltr">Jewish Wealth vs. Christian Wealth: We're exploring an intriguing question: Why do Jewish people seem to prosper more financially? We're diving into the numbers and what they might mean.</p> </li> <li dir="ltr"> <p dir="ltr">Old Testament Wisdom: Are we missing out on blessings by ignoring Old Testament principles? We're talking about tithing, the Sabbath, and more. It's not about being under the law; it's about understanding the blessings attached to God's instructions.</p> </li> <li dir="ltr"> <p dir="ltr">Living Out the Principles: It's one thing to know Bible verses; it's another to live them out. We're challenging ourselves to study and live out the principles, both Old Testament and New.</p> </li> </ol>  </p> <p dir="ltr">Key Takeaways:</p> <ol> <li dir="ltr"> <p dir="ltr">Don't Dismiss Old Testament Principles: There may be blessings attached to living the way God has instructed, even in the Old Testament.</p> </li> <li dir="ltr"> <p dir="ltr">Balance Knowledge and Action: Knowing where a Bible passage is located is great, but living out the principle is what truly matters.</p> </li> <li dir="ltr"> <p dir="ltr">Seek Deeper Understanding: There's no limit to how deep we can go with God. Let's hunt down and chase after the blessings of God available to us.</p> </li> </ol>  </p> <p dir="ltr">Join us on this journey, and let's explore what God has for us together. If you have any stories or testimonies to share, hit us up on Instagram or email us. We'd love to hear from you.</p> <p dir="ltr">If you enjoyed this episode, please consider leaving a review on iTunes or wherever you listen to podcasts. Your feedback helps others find the show. Thanks for listening! 🎧</p> <p dir="ltr"> </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> where you can download chapter 1 of the audiobook, grab the 1st 2 two chapters of the ebook version, and even get the 5-week book study companion guide.</p>

00:25:49

FREE Passive Income workshop starting tomorrow...

Hey friends, we are hosting a passive income workshop starting tomorrow!  But you got to get signed up to get access to it!</p> THE ‘PASSIVE WITH PURPOSE’ WORKSHOP <p class="gb-651336f8f1a19 has-text-align-center"><em>Join us LIVE on</em> <em>Sep. 27-29th at 5:30p PT | 7:30p CT | 8:30p ET</em></p> You can sign up for the free 4-day event right here: <a href="https://seedtime.com/pwp">https://seedtime.com/pwp</a>   HERE’S WHAT WE’LL COVER: Day 1 – How Passive Income is God’s Idea (If You do it <em>His</em> Way)</p> Day 2 – The Trap of Passive Income <em>Without </em>Purpose (and What to Do Instead)</p> Day 3 – How to Find Winning Passive Income Ideas (My Winners, Losers, and Lessons Learned)</p> Bonus Day – 2 Simple Ways to Get Started With Passive Income</p>  </p> If you want to hear the rest of my story, plus… <ul> <li>The 4 myths & the honest truth about passive income that no one is talking about.</li> <li>How to avoid the biggest mistakes I made pursuing passive income.</li> <li>The simple way to begin crafting your passive income blueprint (with our HI/TF Strategy tool) so you can confidently know you are heading in the right direction.</li> <li>How, in as little as one hour a week, you can begin creating a passive income stream.</li> <li>And specific examples and LIVE demos with practical steps to kickstart your passive income journey.</li> </ul> Then I want to invite you to come hang out with us LIVE on Sep. 27th at 7:30 CDT.</p> You can sign up for the free 4-day event right here: <a href="https://seedtime.com/pwp">https://seedtime.com/pwp</a></p>

00:05:27

The 4 Biggest Money Secrets of Millionaires (that most people misunderstand)

<p dir="ltr">Welcome back to another episode of the SeedTime Money Podcast! Today we’re diving into some super cool stuff— the four biggest money secrets of millionaires that most people completely misunderstand. Seriously, you don’t want to miss this, it’s eye-opening!</p> <p dir="ltr">We're unpacking findings from a study by the Ramsey team that surveyed 10,000 millionaires and the results will shake up a lot of the myths you've heard about the actual habits of millionaires. </p> <p dir="ltr"> </p> Why You Should Listen: <ul> <li dir="ltr"> <p dir="ltr">Whether you've given a lot of thought to your financial journey or you're still figuring it out, this episode will light a fire under you.</p> </li> <li dir="ltr"> <p dir="ltr">If you've been overwhelmed by misconceptions about what it takes to reach financial freedom, we're busting those myths wide open.</p> </li> <li dir="ltr"> <p dir="ltr">For those who are looking to be more generous, create passive income streams, or just live a life that honors God financially, these insights are invaluable.</p> </li> <li dir="ltr"> <p dir="ltr">Success leaves clues! By understanding the real habits and choices of millionaires, we can apply those lessons in our own lives and change our family trees for the better.</p> </li> </ul> Key Topics Covered: <ul> <li dir="ltr"> <p dir="ltr">What percentage of millionaires do you think inherited their wealth? The answer will blow your mind. Spoiler: it's not what you think, and it's super encouraging!</p> </li> <li dir="ltr"> <p dir="ltr">Think you need to rake in the big bucks to hit millionaire status? Think again. We share stats that show you don't need to earn nearly as much as you think. This is great news, friends!</p> </li> <li dir="ltr"> <p dir="ltr">Contrary to popular belief, millionaires aren't all about that bling-bling lifestyle. We're diving deep into how millionaire spending habits actually look like, and yep, it's got a lot to do with good ol' wisdom.</p> </li> <li dir="ltr"> <p dir="ltr">How many millionaires do you think carry a credit card balance? The stats will surprise you and offer us all a lesson. </p> </li> </ul> Resources Mentioned: <ul> <li dir="ltr"> <p dir="ltr"><a href="https://www.ramseysolutions.com/retirement/the-national-study-of-millionaires-research"> Study by the Ramsey team on 10,000 millionaires</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474"> The Millionaire Next Door by Thomas J. Stanley</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://glorify-app.com/">Glorify Bible app</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://www.linkedin.com/in/boblotich">Find me on LinkedIn </a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://seedtime.com/tff">Our Course: True Financial Freedom</a></p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://seedtime.com/smrl">Our book: Simple Money, Rich Life</a> </p> </li> <li dir="ltr"> <p dir="ltr"><a href="https://seedtime.com/10x">Our 10X Investing course</a></p> </li> </ul>  </p> <p dir="ltr">Watch this episode on our <a href="https://youtube.com/live/qFZlMZQhIUQ">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” </p> You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> 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.</p>

00:26:23

How to handle inconsistent income and one-off expenses

<p dir="ltr">Hey there, friends! In this episode of the SeedTime Money podcast, we're diving into something that's been on a lot of your minds lately: How do you approach budgeting when you have an inconsistent or variable income? Trust me, I know it's hard, but I've got some insights to share with you that might just make it a little easier.</p> <p dir="ltr">But first, let's talk snacks! From dark chocolate mint creams to spiced cider, we're sharing our favorite Trader Joe's finds and getting excited for fall. And yes, even our four-year-old has some snack opinions to share!</p> <p dir="ltr"> </p> <p dir="ltr">Here's what you can expect from this episode:</p> <ol> <li dir="ltr"> <p dir="ltr">Our Favorite Snacks: We're kicking things off with a light-hearted chat about our favorite treats from Trader Joe's. If you're a snack lover like us, you'll want to tune in!</p> </li> <li dir="ltr"> <p dir="ltr">Budgeting with Variable Income: This is the meat of the episode, where we dive into the challenges of budgeting when your income isn't consistent. We've been there, and we've got some strategies to share.</p> </li> <li dir="ltr"> <p dir="ltr">Real Money Method Course: We'll talk about our Real Money Method course and how it can help you with your budgeting needs. Whether you're in the basic or plus package, there's something for you.</p> </li> <li dir="ltr"> <p dir="ltr">Adapting to Circumstances: Life throws curveballs, and we'll discuss how to adapt your budget to whatever comes your way. It's not always fun, but it's necessary.</p> </li> <li dir="ltr"> <p dir="ltr">Planning for Annual Expenses: Those once-a-year expenses can throw a wrench in your budget. We'll share how we handle them and how you can too.</p> </li> </ol> <p dir="ltr">So grab your favorite snack, settle in, and let's talk money. Whether you're struggling with budgeting or just looking for some new snack ideas, this episode has something for you. </p> <p dir="ltr">Watch this episode on our <a href="https://youtu.be/0fx6qywOotc">SeedTime Money Podcast YouTube channel</a>!</p>  </p> <p dir="ltr">If you haven’t checked out our best-selling book <em><a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a></em>, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 400 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href="http://seedtime.com/sample">SeedTime.com/sample</a> where you can download chapter 1 of the audiobook, grab the 1st two chapters of the ebook version, and even get the 5-week book study companion guide.</p>  </p>

00:10:12