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.