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.

What if being “too good” at saving and stewarding money is actually holding you back from obedience to God?

In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would’ve called it foolish—but their “irresponsible obedience” led to one of the most important divine encounters of their lives.

We’ll unpack:

• Why sometimes God asks us to spend more instead of saving more
• How to know the difference between your desires and the Spirit’s leading
• Why true stewardship is less about your wisdom and more about your obedience
• Three practical questions to ask when you sense God nudging you to spend beyond reason

If you’ve ever wrestled with the tension between “wise stewardship” and radical obedience, this conversation is for you.

Resources Mentioned:

• Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free)
• NeeDoh Stress Cubes (yes, our new team obsession 😂) → https://www.schylling.com/brand/needoh/
• SeedTime Courses & Community

👉Share this with someone who needs the reminder that obedience always outweighs “responsible” stewardship.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Z5pHkOGfcco)!

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 almost missed out on an $8,000 furniture set for just $1,000 — because of one dangerous mindset: “You get what you pay for.”

This episode isn’t really about chairs — it’s about how this deeply ingrained belief system can keep us from receiving what God wants to lavish on us. Grace, provision, salvation — none of them came because we “paid enough.” And if we don’t learn to think differently, we may keep scrolling right past the blessings God has for us.

We dive into:

• The Restoration Hardware deal that exposed this limiting belief

• Why the Kingdom of God doesn’t follow “earthly” formulas

• How to discern between scams and supernatural provision

• The mindset shift that could unlock the next level of your life

• How curiosity (not fear) positions you to receive

And yes, we get real about marriage, furniture, and being shrewd with money — all while staying Kingdom-focused.

👇Resources we mentioned:

• Our book: Simple Money, Rich Life — Get a free copy (just cover shipping): http://seedtime.com/free

• Facebook Marketplace — Yes, really. This episode proves it’s worth another look.

• Bible reference about being “wise as serpents, innocent as doves” — Matthew 10:16

Join us as we tear down the limiting beliefs that hold back abundance — not just financial, but spiritual, emotional, and relational.

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
(LINK NEEDED)!

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.