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.

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life.

In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal.

🔎Here's what you're going to discover:

• The ONE book that trumps all others (Hint: It's probably already on your shelf)

• 5 wealth secrets most "gurus" don't want you to know

• How to retire before your parents (without winning the lottery)

• The psychological hack that turns pennies into millions

• Why your 401(k) might be leaving you broke (and what to do instead)

Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers.

P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package.

Resources Mentioned:

• 5 Wealth Secrets by Craig Hill - https://amzn.to/3JA15Lt

• The Treasure Principle by Randy Alcorn - https://amzn.to/3CNeoV1

• The Automatic Millionaire by David Bach - https://amzn.to/3Psn3ny

• True Riches by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/

• Retire before Mom & Dad by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/

• The Psychology of Money by Morgan Housel - https://amzn.to/3JWbilV

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

• 14-Point Checklist to Give $1M by Age 40 - http://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 @seedtime.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-ZhVM95VvSw)!

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, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty.

🔎Here's what you're going to discover:

• The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters)

• Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying

• The surprising area where most people can save a ton of money (hint: it's not what you think)

• How I used this technique to stay afloat after a soul-crushing layoff in 2008

But here's the kicker: This isn't just about cutting costs.

It's about finding HOPE when everything seems to be falling apart.

It's about taking control when the world feels out of control.

It's about transforming panic into peace of mind.

Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience.

Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights.

Let's dive in.🎧

Resources Mentioned:

• 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 @seedtime (https://www.instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)!

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 dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things.

We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.

🎯 Key Takeaways:

• We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness

• We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on

• We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing

• We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time

• We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point

Resources Mentioned:

• The 4-Hour Work Week by Tim Ferriss (book) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113

• Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/

• Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water

• Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com

• 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us!

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/LGtdftpt0yQ)!

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 sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating.

After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success.

And the best part? It's not just about padding your bank account. The 1% Challenge also enables you to steadily scale your generosity and impact year after year, without ever stressing about the numbers.

In today's episode, we'll walk you through the counterintuitive behavioral science that makes this strategy so absurdly effective, including:

• How the Goldilocks Rule can help you find the "just right" sweet spot for financial growth

• Why the Law of Marginal Gains is the secret weapon of peak performers (and how to apply it to your money)

• The little-known reason why small, incremental changes can actually be easier to stick with than massive, drastic overhauls

We'll also share our dead-simple 3-step process for implementing the 1% Challenge in your own life, starting today. Fair warning: This episode could change your financial trajectory forever.

So if you're ready to put your wealth-building on autopilot, skyrocket your impact, and still enjoy life along the way, you won't want to miss this one.

Resources Mentioned:

• The life-changing "True Financial Freedom" online class: True Financial Freedom | Christian financial class for churches - https://seedtime.com/true

• 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 @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/8vq_t8agNe0)!

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.