A SeedTime courseYour kid is about to get a paycheck, a credit card offer, and maybe a student loan.
And almost nobody gets taught what to do with any of it.
Skip the Broke Years is the biblical money course we built for 17 to 22 year olds. Fifty video lessons on the one thing almost nobody teaches them.
Right now you can get it for $47 as part of the beta round we're running. It'll be $197.
50 families only. Lifetime access included.
Try this at dinner tonight
Ask your high schooler three questions:
- 01What actually comes out of a paycheck before you ever see it?
- 02How does interest on a credit card work?
- 03If you invested $100 a month starting at 18, what could that become?
You'll probably get three shrugs. Most of us would have shrugged too, honestly.
Even sharp, well-raised, straight-A kids go blank on these. Not because they aren't smart, but because nobody ever put it in front of them, and it isn't on anybody's required list.
Here's the part we think about with our own kids. Somewhere between 18 and 22, that same kid gets a paycheck, a debit card, a credit card offer, and for a lot of them a loan bigger than the car they're driving. For some of you, that's already happened. The decisions come whether they're ready or not.
Between 18 and 22, the money decisions start showing up whether they're ready or not.
This gap isn't a sign you dropped the ball
Money touches every single day of their adult life. Rent, giving, taxes, saving, a first car, a first apartment, raising their own kids someday.
And it's the one subject that almost never gets a real teacher. When a school does bolt on a financial literacy unit, it's usually a checkbox taught by whoever drew the short straw that semester. In our experience, even the good curriculum publishers treat it as an elective afterthought.
So the real question isn't why they haven't learned it yet. The question is where, specifically, they're going to learn it, and whether it happens before the decisions start or after.
Hand it to them. Press play. Have the conversation at dinner.
Hand it to them and press play.
We teach every lesson on video. Nothing for you to prepare, teach, or grade.
They work through it at their own pace.
There are 10 units, and each lesson runs about 15 to 30 minutes. Use it as a semester course or stretch it across the year.
You get the parent guide and have the conversations.
Discussion questions for each unit so you can talk about it at dinner, without needing to be the expert.
You don't have to be good with money to hand your kid a good money education.
What's actually in the course
It's 10 units and 50 video lessons, built on the framework from Bob's book Simple Money, Rich Life, and we checked the whole thing against the National Standards for Personal Financial Education.
Every unit is grounded in scripture rather than decorated with it. Unit 4 is built around Proverbs 13:11, "Dishonest money dwindles away, but whoever gathers money little by little makes it grow" (NIV), which is the entire logic behind starting at 18 with $50 a month instead of waiting until you have something impressive to work with.
01Why This MattersWhy learning this at 18 instead of 30 changes everything.
- What we wish we'd known about money 20 years earlier
- The lessons that cost us the most to learn
- What people who handle money well actually do differently
- What Tom Corley found when he studied 233 wealthy people
02A Biblical Foundation for MoneyThe beliefs underneath every money decision they'll ever make.
- The battle is His, but you still have to show up
- What the Bible actually says about money that most of us never got taught
- Our full story: from stranded with $7 to giving away $1 million
- How to hand money worry to God instead of carrying it
- Why money stress isn't something you have to normalize
- Does God actually care about your finances?
03Banking and Your First PaycheckGetting the basics right before the first real paycheck lands.
- Where to actually keep your money, and what a high-yield savings account is
- The seven moves to make once you have $1,000 in the bank
- How to calculate your real hourly wage (most people are shocked)
- Why your paycheck is worth less per hour than you think
- Why people who build wealth automate their money
04Tracking and BudgetingBuilding the one habit that changes financial behavior.
- The 10-minute money habit that changes how you spend
- The Never 100 Rule, and the janitor who became a multimillionaire
- The seven signs a budget is broken, and how to fix each one
- Ten real reasons budgets fail that have nothing to do with discipline
- How to build a bare-minimum survival budget in 10 minutes
- How to budget when your income is different every month
05Earning, Work, Calling, and AIFinding the work they were built for, and getting paid well for it.
- Fish don't climb trees: finding the work you're actually built for
- How stacking two or three ordinary skills makes you rare
- The exact method for learning any subject fast
- How AI is reshaping the job market they're walking into
- Why learning to use AI can raise their income significantly
06Smart Spending and Consumer SkillsSpending well on purpose instead of by default.
- Spend generously on what you love, cut hard on what you don't
- The depreciation curve and their first car, plus our five-step buying process
- How to turn clutter into cash (a real $2,145 example)
- How to buy things that hold their value and resell them for almost nothing
- What a year off social media taught me about money and comparison
- Ten ways society is built to keep you broke
- How to steward technology and attention instead of losing to it
07Debt and CreditUnderstanding the system before it gets its hooks in them.
- The five hidden traps that keep people in debt
- The three credit card rules, and when a young person should even start
- How rewards actually work, and the one rule that keeps them safe
- Are credit cards evil? An honest answer
08Saving and InvestingTheir single biggest advantage is time, and most never hear about it.
- The counterintuitive math behind starting young
- Why investing isn't gambling
- What a real diversified portfolio actually holds
- Why we came to see investing as stewardship instead of greed
- How to calculate and track your net worth
- Crypto and Bitcoin explained at a beginner level
09Giving and GenerosityWhat generosity does to the person doing it.
- Everything we believed about giving was wrong
- Why giving loosens money's grip on you
- Why there's no guilt, no formula, and no comparing your giving to anyone else's
- The 50/50 rule for every raise they'll ever get
- Net Given: the one number we started tracking instead
- C.S. Lewis's one rule about giving
- Seven practical ways to bless someone with your wallet
- What happened when we gave a stranger $2,000
10Contentment, Rest, and the Launch PlanBuilding a life they actually want, then making a plan for it.
- Why celebrating small wins keeps you going
- The truth about money and happiness
- Why rest and Sabbath are an act of faith
- How identity and habits decide who you become in five years
- The 1% Challenge: the smallest change that compounds the most
- A dying man's last lesson about money
- How to face a scary decision using Fear-Setting
- Two story lessons: Larry Bird on saving, and a $20,000 test of integrity
What you get
- 0150 video lessons taught by us, streaming on any device, watched at their pace
- 0210 units organized to work as a semester course or a full year with discussion
- 03A parent guide with discussion questions for each unit, so you can lead without prepping
- 04Lifetime access, including every lesson we add later, free, forever
- 05Covers every kid in your family
We're not holding anything back for a more expensive version later.
What this doesn't require
Why we built this
We had our own broke years. Ours ran about a decade.
We got most of this wrong first, and we learned nearly all of it the expensive way. There was a stretch where we were down to $7 in our checking account and honestly didn't understand how we'd gotten there.
Then we spent more than 15 years teaching what finally did work, from a biblical foundation. It took years longer than we wanted, but we paid off all $400,000 of our debt, including the house, and we've been able to give away more than $1 million.
Bob wrote a book about it, Simple Money, Rich Life (the book we needed 20 years earlier), and we host the SeedTime Money podcast together.
Everything here is the teaching that landed hardest over those 15 years, rebuilt for a 17 to 22 year old who's about to run their own money for the first time.
We keep coming back to Proverbs 22:6: "Start children off on the way they should go, and even when they are old they will not turn from it." (NIV) That verse is most of the reason this course exists.
We already spent our broke years figuring this out. Your kid can skip them.
Built for the family raising them, not the industry selling to them.
This is for you if:
- You have a 17 to 22 year old still at home, in college, or just launched
- You homeschool, or you just want this taught well at home
- You want money taught as stewardship, with the mechanics included
- Your student already graduated and never learned any of this
- You have a motivated 15 or 16 year old who's ready for it early
- You lead a co-op and want to go through it with your own family first, before we open group licensing
This is probably not for you if:
- You want a quick tip sheet instead of a real course
- You're looking for get-rich or investing-hype content
Let's be straight about the beta
This is a beta round, and here's exactly what that means.
What's ready right now: all 10 units and the full library of 50 video lessons, ready to start today.
What's still coming: we're continuing to build on this. More lessons are in production, and beta members get every one of them, plus every future update, free, forever.
Why it's $47: the finished course will be $197. You're getting it at a fraction of that because you're going through it while we're still refining, and your feedback shapes what we build next.
What we ask in return: go through it with your student, reply to two short check-in emails along the way, and share a few honest sentences about your experience at the end. That's it.
Why only 50 families: we want to read and respond to real feedback, and that only works at a size we can actually handle. Once the 50 spots are gone, enrollment closes and the next round is $197.
You'd be among the first 50 families in, which is also why you won't find testimonials on this page yet, and why it's $47 instead of $197.
Beta pricing
One payment, lifetime access, and every future lesson free.
A $1,000 credit card balance carried for a year costs around $200 in interest at today's average rate. This course is $47, once.
Questions parents ask
Will my teenager actually watch this?
Honestly, this is the thing we worried about most. The lessons are conversations instead of lectures over slides, and they run 15 to 30 minutes so nothing drags, and we cut anything that sounded like a school assignment. The stories do the teaching, which is the same reason this material held adults for 15 years. We rebuilt every one of those lessons for an 18 year old.
Do I have to teach it or prepare anything?
No. We teach every lesson. Your only job is to hand it to them and, if you want, use the discussion questions in the parent guide to talk about it afterward.
My kid is 19 and already out of the house. Is it too late?
Not even close. This might be the best possible timing, because they're making these decisions right now with their own money instead of hypothetically. Send them the login and let them go.
Can I use this for more than one of my kids?
Yes. Your enrollment covers your own family, so every kid in your house can go through it, now or years from now.
Can I use this to teach a co-op?
Not with this enrollment. A beta spot covers your family, not a group. We're working on proper co-op and group licensing and will have it ready for the next round. If you lead a co-op, grab a beta spot to go through it with your own family, and email us so we can bring you the group option first.
Does this count as a high school credit?
It's built to. Ten units and 50 lessons is enough for a semester elective, and stretched with discussion and the capstone plan, it can carry a full year. It's been checked against the National Standards for Personal Financial Education. How you record credit is up to your state and your homeschool approach.
It's a beta. Should I just wait for the finished version?
You can, and it'll be there at $197. The beta price is our thank-you to the families who go through it now and tell us what to improve. You also get every future lesson free, so waiting mostly means paying four times as much for the same course.
What if we don't finish it this semester?
You have lifetime access. Plenty of families will run it over a full year, or pause and come back. There's no expiration and no schedule to keep up with.
Is this just Dave Ramsey with Bible verses added on?
No. The practical mechanics are all here. So is the part most money curricula skip: what money is actually for, how generosity changes you, finding the work you were built for, contentment, and rest. When we teach debt, we start with Proverbs 22:7, "The rich rule over the poor, and the borrower is slave to the lender" (NIV), and work outward from there. Roughly a third of this course is about the heart behind the money, because that's what decides what they do with the mechanics.
What if it isn't a fit for us?
[REFUND POLICY TO BE CONFIRMED]
Sooner than feels possible, they'll be handling their own money.
That happens whether anyone taught them or not.
You can't make their decisions for them at that point. What you can do is make sure they walk into it knowing how a paycheck works, what credit really costs, why starting to invest at 18 matters so much, and what money is actually for.
Picture them at 22 with no credit card debt, already investing a little every month, already giving, and not scared of any of it. That's what this course is for. And right now it's $47.
Beta closes at 50 families. Then it's $197.