If you’ve ever thought, ‘I’ve been through something life-changing—I need to share this,’ then stop scrolling. This episode is for you.

We’re diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I’ve ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business.

This isn’t fluff. It’s a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality.

🔎We’ll Cover:

• Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model.

• The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational).

• Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus’ example of going deep with 12 disciples.

• Why one type of person is WAY easier to sell to and how to create offers that provide massive value.

• The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework

• Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care.

• Practical exercises to identify and overcome fears holding you back.

• How to discern if coaching is your God-given calling and whether it’s the right time to start.

📚Resources Mentioned:

• Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob

  • You’ll get two free resources for scheduling!

    • ‘High-Ticket Offer’ Template: A step-by-step guide to creating your first high-ticket coaching offer.

    • How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you’re bad at marketing.

• Bible Verses Mentioned:

  • Proverbs 1–9: The importance of wisdom and choosing the right voice.

  • James 1:5: “If you lack wisdom, ask God, and He will give it generously.”

  • Jeremiah 33:3: “Call to me, and I will answer you and tell you great and unsearchable things you do not know.”

🎯Action Steps:

1. Pray and ask God if coaching is the right step for you.

2. Reflect on the transformation you’ve experienced in your life—this is the foundation of your coaching offer.

3. Use the free tools provided in the episode to create your first offer and marketing plan.

4. Take the first step: Schedule a free strategy session to refine your vision and start building your business.

👉 Listen now and start building your $10K/month coaching business today!

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected].

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

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/UOdpcehveJU)! 

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.

I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today’s episode, we’re diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank.

If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you.

Here’s What We Cover:

• My frustrating 17-year journey with business banking (and how I finally found the solution).

• What makes Relay different: Fee-free accounts, multiple checking accounts, and built-in features designed for entrepreneurs.

• How Relay integrates with the "Profit First" method to simplify your finances and increase your profits.

• A sneak peek at Relay’s game-changing features, like virtual cards, receipt capture, and ACH payments.

• Relay’s upcoming innovations, including their new credit card and payment request feature launching soon.

Resources Mentioned:

• Relay Bank: Open a free business account: https://seedtime.com/relay2

• Profit First by Mike Michalowicz: https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X

• Real Money Method:  https://seedtime.com/realmoney 

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).

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact.

You'll discover:

1. How Western Christians are sitting on a $100 billion opportunity for kingdom impact

2. The shocking truth about what percentage of Christian giving actually reaches global missions

3. Why being "rich toward God" looks different than most people think

4. How a failed actor became an unlikely expert in kingdom investing

5. The surprising joy that comes from radical generosity

6. What George Mueller's legacy in China teaches us about strategic giving

Key Stats That Will Challenge You:

1. Only 2.5% - What Western Christians currently give

2. Only 0.25% of Western Christian giving reaches outside the West

3. $30,000/year puts you in the top 1% globally

4. What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations

Resources Mentioned:

1. Simple Money, Rich Life (Our Book): https://seedtime.com/free

2. God Calling Devotional

3. Organizations Referenced: • Five Talents • Jesus.net • 500K in India

4. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/lnBFd_cSYJQ)!

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right?

In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month.

In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs.

 You'll discover:

1. Why God's best often looks like career suicide

2. Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions

3. What Peter teaches us about calculated risk-taking

4. The Hidden Cost of Playing It Safe (and why doing nothing is still a decision)

5. Our proven 3-part framework for evaluating major life decisions

Resources Mentioned:

1. Simple Money, Rich Life (Our Book): https://seedtime.com/free

2. Fear Setting Worksheet: https://seedtime.com/fearsetting

3. Tim Ferriss's Fear-Setting Exercise (Referenced)

4. Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story)

5. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/FifSPa5hUlc)!

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.

I never thought changing ONE simple shopping habit could save us thousands...

But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits.

In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries.

 You'll discover:

1. The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items

2. The Costco Paradox: How spending more per trip actually saves thousands per year

3. Our controversial take on grocery delivery services (and how we use them to SAVE money)

4. The biblical principle behind smart grocery shopping that most people miss

5. Why managing your grocery budget could be more spiritually significant than you think

Resources Mentioned:

1. Simple Money, Rich Life (Our Book): https://seedtime.com/free

2. Instacart Gift Cards at Costco ($100 value for $80)

3. Wild Pastures (Meat Delivery): https://wildpastures.com

4. Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts

5. Amazon Subscribe & Save

6. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Stats Worth Noting:

1. Average American wastes $2,000+ per year on food

2. Potential savings of $3,000/year just by changing where you shop

3. Our findings align with research from leading data science firms about grocery store price variations

Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose.

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/KP9glzjHEbY)!

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.

We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How?

In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses.

Here's what you'll learn:

1. Why certain side hustles scale (and others don't)

2. The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job

3. The exact mindset shift you need to transform a hobby into serious income

4. Which platforms are goldmines for specific side hustles right now

5. Why we believe side hustles aren't just about money (and what they're really about)

Plus: We share our personal journey of how a simple blog turned into our main source of income and eventually helped us reach our goal of giving away $1 million by age 40.

Key Insight: The most successful side hustles often align with what you're already passionate about. We share examples of people who turned their obsessions (from baby strollers to mattress reviews) into thriving businesses.

📚 Resources Mentioned:

Books:

1. Simple Money, Rich Life - Get your free copy (just cover shipping): https://seedtime.com/free

Websites & Platforms:

1. Upwork: https://www.upwork.com

2. Fiverr: https://www.fiverr.com

3. Etsy: https://www.etsy.com

4. Rover (pet sitting): https://www.rover.com

5. BookScouter: https://bookscouter.com

6. Instacart: https://www.instacart.com

Tools & Apps:

1. Facebook Marketplace: https://www.facebook.com/marketplace

2. Amazon FBA (Fulfillment by Amazon): https://sell.amazon.com/start/fba

Link:

1. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Want to start your own side hustle? We've been where you are. Whether you're looking to escape a job you don't love or simply want to build something on the side, there's never been a better time to start.

P.S. Have you gotten value from our content? Consider writing a review or sharing this episode with someone who needs to hear it. Your support helps us continue creating content that changes lives.

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 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.

Have you ever felt like your prayers for financial breakthrough were hitting a brick wall?

Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time).

What You'll Discover:

1. Why feeling "stuck" might actually be God's preparation season

2. The counter-intuitive truth about financial breakthrough that most Christians miss

3. How to reframe waiting periods from punishment to preparation

4. The exact scripture that changed everything for us during our hardest season

5. Why maintaining spiritual disciplines is crucial when you feel like quitting

6. The surprising connection between Joseph's prison season and your financial journey

Key Takeaway:

Your season of financial frustration isn't a punishment—it's preparation. Just like Joseph's time in prison and David's years running from Saul, God is doing something much bigger than what you can see right now.

The Million-Dollar Truth:

If it isn't good yet, then God isn't done yet. Your financial breakthrough might be just around the corner, but the key is learning how to stay faithful in the waiting.

Scriptures Referenced:

1. Galatians 6:9 - "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up."

2. Ephesians 3:20 - "Now to him who is able to do immeasurably more than all we ask or imagine..."

3. Revelation 12:11 - "They triumphed over him by the blood of the Lamb and by the word of their testimony"

4. Philippians 4:19 - "And my God will meet all your needs according to the riches of his glory in Christ Jesus."

Resources Mentioned:

1. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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!

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.

Ever feel like your dreams are slipping away because you "can't afford them"?

We're about to flip everything you think you know about affording what you love.

In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial reality.

Here's what you'll learn:

1. The "Priority Stack" method for identifying which expenses are secretly holding you back

2. Why creating "friction" in your spending could be the key to unlocking your dreams

3. How we discovered we could afford to live at the beach (and why most people never realize what's possible)

4. The uncomfortable truth about your Amazon app (and why deleting it might change your life)

5. A revolutionary approach to evaluating expenses that goes beyond basic budgeting

Plus, we share our personal revelation about Starbucks spending and how facing this truth led to better decisions - without guilt or shame.

📚 Resources Mentioned:

Books:

1. "Simple Money, Rich Life" by Bob and Linda Lotich Get your free copy (just pay shipping): https://www.simplemoney.com/free

2. "Atomic Habits" by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 

Mentioned Names/Concepts:

1. Ramit Sethi's "Money Dials" concept

2. James Clear's environment design principles

Link:

1. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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!

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.

What if everything you've been taught about success is actually holding you back from what you were created to do?

In this game-changing episode, we dive deep into why Einstein believed we've been measuring human potential all wrong—and how this massive misconception might be the very thing keeping you from discovering your true calling.

Here's what you'll learn:

1. Why traditional markers of success (SAT scores, job titles, net worth) are often misleading indicators of your true potential

2. The profound truth about why some people make everything look effortless (while others struggle endlessly)

3. How one Olympic athlete's controversial decision reveals the secret to finding your purpose

4. The surprising reason why your "weaknesses" might actually be pointing to your calling

5. Why the baker's story from George Mueller's orphanage changes everything about how we view purpose

6. The critical difference between chasing money and chasing your calling (and why it matters)

7. How to identify what you were actually created to do (including 3 powerful questions you can ask yourself today)

Key Questions to Discover Your Calling:

1. What comes easier to you than most?

2. What feels like work to others but feels like fun to you?

3. What are you wondering why most people aren't good at?

Resources Mentioned:

1. Book: "Simple Money, Rich Life" by Bob and Linda Lotich Get your FREE copy (just pay shipping): https://seedtime.com/free

2. Movie: "Chariots of Fire" - The Eric Liddell Story

3. Book: "The Art of Work" by Jeff Goins: https://www.amazon.com/Art-Work-Proven-Discovering-Meant/dp/0718022076 

4. Bible Verses Referenced:

   1. Jeremiah 33

   2. Colossians 3:23

   3. Psalm 139:14

5. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

🎯 Action Steps:

1. Start experimenting with new things (like Tom's guitar-making story teaches us)

2. Ask trusted friends/family what they see as your natural gifts

3. Look for patterns in your journey so far

4. Begin serving where you are while preparing for where you're called to be

🔗 Connect With Us:

1. Website: https://seedtime.com

2. Instagram: https://instagram.com/seedtime

3. Get Our Free Book: https://seedtime.com/free

Remember: You're not a second-rate creation. You were fearfully and wonderfully made for a specific purpose. If you're feeling like a fish trying to climb a tree, it's time to find your pond and start swimming.

💫 Share This Episode:

If this message resonated with you, please share it with someone who needs to hear it. Together, we can help more people discover what they were created to do.

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!

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. 

The most dangerous financial trap isn't overspending. It's comfortable compromise.

After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice.

In this episode, we share:

1. The "50-50 Rule" that transformed our approach to raises and windfalls

2. Why financial "peace" might actually be sabotaging your spiritual growth

3. The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance)

4. How we're implementing a radical month-long sabbatical for our entire team

This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor.

Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit.

Resources Mentioned:

1. "Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp

2. "Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761

3. "The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442 

4. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/wcwEgUNKc0U)!

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.