If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot.

Bob & Linda share how they’re teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life.

You’ll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between “nudging” kids toward giving vs. letting them choose it themselves.

By the end, you’ll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them.

What You’ll Learn in This Episode:

• Why teens are often afraid to “launch” financially—and how to help
• A simple way to adapt the Real Money Method for high schoolers
• How to teach kids to give, save, and spend wisely (10/10/80 rule)
• Practical tools: using Greenlight cards and starter investment accounts
• The debate: should we require kids to tithe, or let them choose?
• How just a few early investing years can radically change retirement

Key Scriptures Mentioned:

• “The borrower is servant to the lender.” (Proverbs 22:7, NLT)
• “Wherever your treasure is, there the desires of your heart will also be.” (Matthew 6:21, NLT)
• “The generous will prosper; those who refresh others will themselves be refreshed.” (Proverbs 11:25, NLT)

Resources & Links:

• Learn more about the Real Money Method → seedtime.com/realmoney
• Explore Greenlight debit cards for kids → seedtime.com/2/greenlight.php
• Our 10x Investing Course for teens & adults → seedtime.com/investing

Action Step This Week:

If your teen has income—whether it’s $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.

Subscribe & Review:

If you enjoyed today’s episode, hit subscribe so you don’t miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-3g3ym6JndI)!

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 1,000 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.

Over the last few weeks, there’s been so much talk about the Charlie Kirk tragedy.

But as I’ve listened to all the commentary, I realized—no one’s talking about this.

We didn’t want to make another video about what happened.

We wanted to talk about what Jesus actually modeled when something unthinkable happens… and how that applies to us right now.

This episode honestly challenged both of us deeply. It’s one of those conversations where you feel the tension between what feels fair… and what faith actually calls us to do.

We’re not trying to debate headlines. We’re just asking—what does it look like to follow Jesus when it really costs something?

It’s easy to pray for victims.
It’s supernatural to pray for the ones who caused the pain.
But that’s exactly what Jesus modeled—and when we do, we invite heaven into places the world wants to keep dark.

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/-wbON8CU8gU)

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 1,000 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”

Most people think wealth is about earning more. The truth? It’s about the patterns you repeat every day.

In this episode, we break down 10 specific patterns that predict whether you’ll be broke or wealthy 10–20 years from now. These aren’t obvious mistakes like “don’t buy lattes.” They’re subtle, sneaky habits that quietly lock people into financial struggle… or quietly compound into freedom.

Here’s what we cover:

• Why overspending on status is a trap (and what to do instead).
• How shopping without a list bleeds your bank account.
• The single most profitable investment you’ll ever make (and it’s not the stock market).
• Why living in the wrong location costs more than you think.
• The mistake of copying successful people at the wrong season of their life.

This is the episode I wish every 20- and 30-something could hear. But truthfully, even people in their 40s and 50s are still making these mistakes.

Resources Mentioned:

• Mission-Driven Millionaire Program (our coaching) → https://seedtime.com/mission-driven-millionaire/
• VidAngel (content filtering platform) 1 Month FREE trial → https://seedtime.com/vidangel

👉 If you found this valuable, share it with a friend, drop a comment, and subscribe. Let’s break the broke patterns together.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2gGSV37k5_w)!

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 1,000 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.

This episode hit me hard. We cracked open 2 Kings 4—the story of the widow, her debt, and the jars of oil—and I realized it’s not just about a miracle… it’s about God’s system for provision.

Most of us pray for breakthrough but miss the order:
👉 Ask
👉 Obey
👉 Sell (work the miracle)
👉 Pay debt
👉 Then live on the overflow

The widow didn’t just receive money from heaven. She started what might be the first side hustle in the Bible. And her story shows us exactly why so many of us feel like God’s provision “isn’t working.”

Here’s what we unpack in this conversation:

• The hidden business model inside the miracle of the oil jars
• Why saying “I have nothing” blinds you to God’s multiplication
• The danger of skipping God’s order for provision
• How our own story of business + debt mirrors the widow’s
• The mindset shift that turns small resources into abundance

If you’ve ever wondered why God seems to bless others but not you, this episode may flip everything you believe about money and miracles upside down.

Resources & Mentions:

• Bible passage: 2 Kings 4:1-7
• Book reference: Communicating for a Change by Andy Stanley → http://tinyurl.com/comm-for-a-change
• Our debt freedom story & resources → https://seedtime.com
• More episodes on biblical finance → https://seedtime.com/podcast

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sW8cBM0EmkI)!

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 1,000 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 advice is everywhere. But not all of it sticks.

In this episode, Linda and I unpack seven pieces of financial wisdom a friend of mine shared that literally changed his life. Some came from mentors, some from experience, some from mistakes—but all of them can save you years of stress and struggle.

By the end of this episode, you’ll walk away with practical steps and timeless wisdom to reframe how you see money—so you can stop stressing and start stewarding.

Resources & Mentions:

• Joshua Becker’s blog: https://www.becomingminimalist.com
• The Real Money Method course: https://seedtime.com/rmm
• Mission Driven Millionaire program (for students): https://seedtime.com/mission-driven-millionaire

👉 Now it’s your turn: what’s the best piece of financial advice you’ve ever received? Drop it in the comments—we’d love to hear!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KpOeTnM25fg)!

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 1,000 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.

Pride is sneaky.

It hides behind our success. It masks itself as “spiritual maturity.” It even whispers, “Look at how humble you are.”

And if we’re not careful, pride will be the very thing that takes us out.

In this episode, Linda and I unpack a conversation with John Bevere that completely reframed how I see wealth, success, and following Jesus. We dive into the #1 thing that’s quietly destroying successful Christians — and why humility isn’t just a virtue, it’s survival.

Here’s what we cover:

• Why King Uzziah’s downfall in the Old Testament still matters for every Christian leader today.
• How pride and religion work together to blind us spiritually.
• The surprising way the Apostle Paul grew more humble the more successful he became.
• My personal story of making more money than ever in 2015 — and how pride almost derailed me.
• 3 red flags that tell you success might be leading you away from God instead of toward Him.
• The one prayer I now pray regularly to keep my heart in check as we pursue wealth for kingdom impact.

If you’ve ever asked yourself: How do I grow in success without letting pride creep in? …this episode will shake you up in the best way possible.

Resources mentioned in this episode:

• John Bevere – Author, speaker, co-founder of Messenger International → http://messengerinternational.org
• Conversation with Lecrae + John Bevere (referenced in this episode) → https://www.youtube.com/@johnbevere
• The Bible – Isaiah 6, 2 Chronicles 26, Philippians 2–3, Matthew 5:16
• Andy Stanley’s "Communicating for a Change" (referenced framework for clarity) → https://amzn.to/3BzOLgS
• Quote: “You can’t serve God and money. But you can serve God with money.”
• Bob’s teaching on Mission-Driven Millionaires → https://seedtime.com

👉Whether you’re already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/5QB0l85R-CE)!

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 1,000 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.

We thought our story was set. For 13 years, we gave our age as a percentage of our income. It became who we were. People knew us as that couple. Our mortgage was paid off in 10 months. We wrote books about it. We spoke on stages about it. We shared the miracle everywhere.

And then—God asked us to stop.

This episode is not about numbers. It’s about obedience. About what happens when the thing God once asked you to do becomes an idol. About the courage it takes to release your identity and follow Him into a new season.

Here’s what we cover:

• The story of giving our age, and the miracles we saw.
• Why it was harder to stop than to start.
• How God shifted us from radical giving to radical saving.
• The danger of clinging to formulas instead of clinging to God.
• The system we built from this new season (and why it might change the way you think about money forever).

This isn’t a “how-to.” It’s an invitation. Ask God: What do you have for me now?

Resources mentioned in this episode:

• Simple Money, Rich Life (our book): Simple Money, Rich Life (The Book)
• True Financial Freedom Program: True Financial Freedom | Christian financial class for churches
• Mission Driven Millionaire Program: Mission Driven Millionaire
• 2 Corinthians 8–9 (Generosity passages, NIV): Bible Gateway passage: 2 Corinthians 8-9 - New International Version

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/k_AjnAwFzl4)!

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 1,000 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.

This episode was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home.

Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it.

In this episode, we break down 10 money wasters that sneak into your life:

If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.

Resources Mentioned in this Episode:

• Simple Money, Rich Life (Free Copy Offer): https://seedtime.com/free
• Visible Wireless (cell phone savings vs. Verizon): https://www.visible.com
• eBay (find quality used items): https://www.ebay.com
• Facebook Marketplace: https://www.facebook.com/marketplace
• HSA & FSA info (IRS guide): https://www.irs.gov/publications/p969

We’d love to hear from you! Email us at bob@seedtime.com or linda@seedtime.com with the money wasters you’ve spotted in your own life.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/gxz9X4MuJSc)!

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 1,000 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.