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. 

Have you ever noticed that no matter how much money you make, it never seems to be enough?

We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough.

In this episode, we reveal:

• Why having "just a little more" never satisfies (and what to do instead)

• The shocking truth about how you're already richer than John Rockefeller in ways you've never considered

• How Instagram and social media are secretly destroying your financial contentment

• The counterintuitive "no muscle" technique that transforms your relationship with money

• A practical framework for giving that's helped us stay grounded while working toward giving away $1 million

But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more – whether you make $30,000 or $3 million a year.

We also dive deep into practical strategies like:

• Why deleting certain apps might be the key to financial peace

• How to set up "contentment benchmarks" that actually work

• The biblical wisdom behind avoiding both poverty and excess wealth

• A simple gratitude practice that rewires your brain's relationship with money

Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10

Resources Mentioned:

• SeedTime "Count Your Blessings" Merch: https://shop.sdti.me

Bible Verses Referenced:

• Ecclesiastes 5:10

• Philippians 4:11-13

• Proverbs 30:7-9

Frameworks Mentioned:

• The Christmas Gift Rule: Something you want, something you need, something to wear, something to read

• The Age-Based Giving Framework: Giving your age as a percentage of income

• Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary

🗒️This episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. 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/dNwT7BKykrA)!

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.

20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since.

Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently.

🔎In this episode, we reveal:

• The powerful mindset shift that changed everything for us

• Why my millionaire mentor drove a 10-year-old car (while I had a brand new one)

• The truth about what really counts as a "luxury"

• The biblical wisdom behind building wealth slowly and strategically

• Why most people's "waiting to save" strategy never works

• The exact method we use to fund our biggest dreams (like our future beach house ministry)

This isn't just about making money—it's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you.

📚 RESOURCES MENTIONED IN THIS EPISODE:

Books:

• "Rich Dad, Poor Dad" by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194

• "Die with Zero" by Bill Perkins - https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765

• "Simple Money, Rich Life" by Bob & Linda Lotich - https://seedtime.com/free

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

Scripture References:

1. Proverbs 21:20

2. Proverbs 13:11

3. Proverbs 6:6

🗒️Note: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle!

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.

The 2-Minute Money Hack That Will Transform Your Giving Forever

Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account.

🔎In this episode, we reveal:

• The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!)

• The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!)

• Real-life examples of how we've used our Seed Account to bless others in unexpected ways

• Why this simple trick makes giving easier and more fun than you ever thought possible

 Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world?

Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today!

📚Resources Mentioned:

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

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

• Susie Larson's Show - https://faithradio.com/program/live-the-promise-with-susie-larson/

• Bible Reference: 1 Corinthians 16 - https://www.biblegateway.com/passage/?search=1+Corinthians+16&version=NIV

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

🎯Ready to start your Seed Account? Here's your action plan:

1. Open a new bank account (savings or checking)

2. Decide on your monthly contribution amount

3. Set up an automatic transfer

4. Pray for guidance on how to use the funds

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/AlBsJ_J-0kM)!

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! Today we are breaking down our "Almost-Free Everything" Method.

🔎Here's what you'll discover:

• The counterintuitive approach to buying luxury items that actually saves you money

• How we turned a $120 Brooks Brothers coat into a financial epiphany

• The three key principles that will transform your shopping habits forever

• Why buying cheap can actually cost you more in the long run

• How to leverage brand power to your advantage (even on a budget!)

🗒️We also dive into:

• How we're making a profit on everyday purchases (and how you can too!)

• The simple question that could save you thousands on your next purchase

📚Resources mentioned in this episode:

• eBay: https://www.ebay.com/ (Our go-to for buying and selling high-value items)

• Facebook Marketplace: https://www.facebook.com/marketplace/ (Perfect for local deals)

• Our book, "Simple Money, Rich Life": seedtime.com/smrl

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

🎬 Bonus Content: Don't miss our YouTube video on our 5-step strategy for buying used cars! Search for "SeedTime used car buying" on YouTube, or click here: https://www.youtube.com/watch?v=vBdoysHYoNg.

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/Nxkw_rOMCMc)!

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.