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SeedTime Money 🎉

We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun. We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do. Join over 95k others and get our best tips in our newsletter!

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Hey Reader, can I break a common myth? The secret to financial success is rarely about earning more. Here's a mind-blowing truth: Every year, professional athletes go bankrupt while janitors quietly build million-dollar portfolios. In fact, 78% of NFL players go broke within two years of retirement. Often, the issue isn't how much water you pour in (income) but how many holes your bucket has (spending). Take Mike Tyson - he earned over $400 million but still ended up in $23 Million of debt....

Hey Reader, here is your thought for the day... Leave a comment about this on Instagram or follow us here. Praying for you today Reader! Your friend and coach,

2 years into my marriage, I got laid off. Living in a tiny apartment with my new wife (and a pink slip) was scary. As I felt God calling me down the entrepreneurial path, one of the scariest things was losing my health insurance from my employer. Our insurance wasn’t great, and we still had to pay a good amount out of pocket, but I was just so nervous about trying to pay for it all ourselves as self-employed entrepreneurs. I had heard about this health insurance alternative called Medi-Share...

You’ve probably heard this verse before: “I have learned to be content in whatever circumstances I am…” It’s the one we quote when we’re trying to feel better about having less than we want. But something hit me recently about what Paul wrote next: “I know HOW to get along with humble means, and I also know HOW to live in prosperity…” Did you catch that? Paul didn’t just say he accepted both situations. He said he knew HOW to live in each one. When Linda and I went through dramatic drops in...

Hey Reader, Is there any area in life where you’ve thought, “If I could just get a handle on this, everything would be perfect”? Maybe it’s your finances, your health, your relationships, or career… Whatever it is, here’s a thought that might change your perspective on control: If you want to know what you need to hand over to God, look at what you’re trying to control. Let that sink in for a minute. Behind everything we’re trying to control, there’s a fear. It’s our fear of a world outside...

Hey Reader, A recent survey done by Bankrate showed that 56% of Americans have less than $1,000 in their bank account (both savings & checking). Just reaching that $1k milestone is proving to be a significant one in this economy that we find ourselves in. So, if you have, you know it's a fantastic feeling knowing you've got a little cushion. But now that you've reached this milestone, what's next? How can you make the most of this money and set yourself up for a brighter financial future?...

Reader, my finances used to feel like the puzzle I could never solve. I tried every financial program I could find but just couldn't figure out how to get all the pieces to fit together. Each failed attempt caused me to lose confidence in myself and even question where I was at with God… Was I doing something wrong – or was God holding out on me? If you’ve ever had the same question, here’s the truth: No money mess is too big for God! Now, there’s a BIG difference between knowing this and...

Hey Reader, I often get asked about what credit cards I personally use and recommend. After testing 34 cards, I have found this card to be best for our personal usage. Quick Caveat: credit cards are like chainsaws. Great when cutting down a tree, but in the wrong hands, they can cause a lot of harm. If you’ve ever looked at a chainsaw and thought, “I probably shouldn’t be trusted with this,” then it might be wise to apply the same logic to credit cards. And if you are going to use this credit...

Hey Reader, I sent an email about this about a year ago and I cannot believe this is still happening. Simply put, if you have a savings account at 3 of the largest banks in America (BOA, Chase, or Wells Fargo), they are ripping you off. In case you aren’t aware, this is what you are earning in your savings account… Wells Fargo: 0.25% for balances less than $100,000. Bank of America: An even more insulting 0.01%. Chase: Same as BOA… What’s going on with banking right now is just crazy. Because...

Reader, here’s something both fascinating and deeply convicting… I asked ChatGPT to find me an answer to this question: How much would every Christian household in the U.S. need to contribute per year to end world hunger? The need quoted is $40B from The U.N. World Food Program divided among roughly 88 million Christian households in the United States.* When you do the math this comes out to about $454 per year… This represents less than 1% of the avg. household income. Or, put another way:...