13:22 Life

by Bri Smith, CPA

Self-Improvement Christianity

Season 3

Thorn Letters: $50k Weddings, Hiding Money & When to Say No to Family

Welcome back to 1322 Life – Season 3, Episode 1. We’re trying something new: THORN LETTERS. What’s a thorn letter? You tell us your financial struggle (that “thorn in your side”), and we answer it God’s way. In this premiere episode, we cover FIVE real questions from Reddit and online. 📬 LETTERS WE ANSWER: 1. “Are my ambitions for wealth and a good career compatible with serving Christ?” – A 29‑year‑old chemical engineer fears making her career an idol. Bri redefines success: “Well done, my good and faithful servant.” 2. “Am I wrong for hiding $12,000 from my spouse?” – Six years of marriage, one spender, one saver. Bri calls this financial infidelity and says: be honest, don’t be a coward. 3. “Constant fights about money with my soon‑to‑be husband – $50k wedding, 50/50 split, feeling exhausted.” – Bri’s hot take: $50k for a wedding is “insane.” You’re playing house, not married. Get counseling before you spend another dollar. 4. “How do I say no to family who will need financial support because of bad choices?” – Mom (78) and brother (39) have 9 months of runway left. Bri’s advice: have the hard conversation NOW, not when they’re evicted. 5. “My husband earns 2x more but wants to split everything equally.” – Bri’s answer: “We don’t split. Roommates split. Married couples become one – ‘ours,’ not ‘mine.’” 🙏 Opening and closing prayers included. ✨ KEY SCRIPTURE: Proverbs 13:22 – “A good man leaves an inheritance for his children’s children.” ✉️ SUBMIT YOUR OWN THORN LETTER: Go to 1322life.com – anonymous or first name only. Let us know what’s that thorn in your side. 📲 CONNECT: Website: www.1322life.com Instagram: @brismithcpa #1322Life #ThornLetters #ChristianPodcast #PersonalFinance #MoneyAndMarriage #GenerationalWealth #Season3Premiere

Season 1

Overcoming Past Financial Failures

In this deeply personal and transparent episode, Bri shares her journey from financial stability to nearly $100,000 in credit card debt — and back again. After leaving a high-paying job in obedience to God, she faced unexpected hardship, spiritual pruning, and what felt like failure. But God wasn’t done. You’ll hear: The real cost of delayed obedience and emotional spending Why even good intentions can lead to poor money decisions How the story of the prodigal son mirrors modern financial struggles What it really means to rebuild your finances with faith and wisdom Encouragement for those silently ashamed of their past financial mistakes 📖 Featured Scripture: Luke 15, Proverbs 24:16, Isaiah 43:18-19, Joel 2:25 🔧 Tools Mentioned: The Making of a Monarch, Position to Prosper, Budget Worksheets 🕊️ Theme: Grace, Redemption, Obedience, Stewardship 📍Ready to start rebuilding? Visit: thewealthyparents.com 💬 Leave a review and let us know how God moves in your life after this episode.

Building Wealth God's Way

In this powerful episode, Bri Smith, CPA, shares the real key to breakthrough: obedience. It wasn’t marketing. It wasn’t hustle. It was God. When Bri committed to seeking Him first—through fasting, prayer, and daily time in the Word—God moved in miraculous ways. You’ll hear her testimony of loss, revival, and how spiritual obedience unlocked her biggest week in business. This episode challenges you to stop treating God like a transaction and start pursuing a real relationship with Him. What You’ll Learn: • Why delayed obedience is dangerous • The secret to kingdom wealth (Deuteronomy 28) • How Bri built wealth God's way—not the world's way • A challenge to invite God into your daily routine 🎯 Take the 7-Day Challenge: Spend time with God daily and watch what happens. 📖 Scripture Focus: Matthew 6:33 | Deuteronomy 28 | Hebrews 11:6 — 💡 Want help aligning your faith and finances? Book a clarity call: https://bdsmithfinancial.com/work-with-me ✍️ Share your struggle anonymously: Thorn Letter Form 🎙️ Want to be coached live on the podcast? Apply here: Free Coaching Form — Follow the 13:22 Life Podcast 📺 YouTube: @1322Life 📲 Spotify | Apple Podcasts | Google Podcasts #1322LifePodcast #BriSmithCPA #FaithAndFinance #BuildWealthGodsWay #Obedience

Faith Like a Child

What does it really mean to have faith like a child? In this heartwarming and powerful episode, Bri is joined by her daughter Monica to unpack the kind of faith Jesus praised in Luke 18:17 — the simple, trusting belief of a child. Monica shares what prayer means to her, how she handled unanswered prayers, and why she chose to give her life to Christ at a young age. 💛 Whether you’re a parent, a believer in need of a faith reset, or someone who’s been struggling to trust God again — this episode is your invitation to return to the basics and believe again. 🧠 What We Cover: What childlike faith looks like in real life How kids respond to spiritual disappointment Monica’s daily Bible reading journey (and how it inspired Bri!) Why trust often comes easier when it hasn’t been broken Tips for rebuilding your relationship with God — one small step at a time 📖 Scripture Reference: Luke 18:15–17 — “Truly I tell you, anyone who will not receive the kingdom of God like a little child will never enter it.” 🙌 Join the Movement: ➡️ Start the 1% Faith Experiment – https://1percentfaith.com ➡️ Book a clarity call – https://bdsmithfinancial.com/work-with-me 📺 Watch the full episode on YouTube: https://www.youtube.com/watch?v=oPCyDF37ZjE #FaithLikeAChild #1322LifePodcast #BriSmithCPA #ChristianParenting #ChildlikeFaith #TrustGod

Focus, Build, and Block Distractions

🎙️ Be About a Great Work – Stay Focused on Your Calling When you’re building something for God, distractions will come — whether it’s shade from people you love, unexpected opposition, or just the temptation to quit. In this episode of the 13:22 Life Podcast, we’re diving into the story of Nehemiah — a man who was so focused on doing God's work, he literally told his enemies, “I’m doing a great work, and I cannot come down.” You’ll hear: Why opposition increases when your obedience levels up How discernment helps protect your focus Why Nehemiah’s wall (built in just 52 days!) still speaks to us today What Jesus teaches us about staying on mission, even as a child If you’ve been tempted to quit, doubt yourself, or come down from your assignment, this one will remind you to keep building and stay about your Father’s business. 📖 Scriptures: Nehemiah 6, Luke 2:41–51, Jeremiah 29:11 📍 Theme: Kingdom Discipline + Focus 💌 Submit your thorn letter: https://bdsmithfinancial.com/1322-life-podcast/

Releasing Control: Faith > Force

🎙️ Releasing Control – Letting God Lead When You Want to Do It All If you’ve ever felt like you have to be the one to do it all — this episode is for you. In Episode 7 of the 13:22 Life Podcast, I’m talking about what it really looks like to release control and trust God with every part of your life — your business, your schedule, your finances, your health, your outcomes. I'm sharing the tension I’ve felt between faith and works, strategy and surrender, and how I’m learning (in real time) to trust God more and grip less. In this episode: The truth about overplanning and overworking Why faith + obedience ≠ burnout What happens when you stop trying to be your own god How I’m shifting from doing everything to stewarding what’s mine 📖 Scripture: Jeremiah 29:11, Matthew 25:21 📍 Theme of the Month: Discipline → Trust → Release 💌 Submit your thorn letter

Delayed Obedience = Delayed Blessings

Let’s be real — sometimes we know exactly what God told us to do… and we still don’t want to do it. That’s why Jonah’s story hit me hard. I’ve been wrestling with obedience, struggling to get back into my discipline, and honestly throwing a little grown-up temper tantrum along the way. In this episode, I’m sharing my honest journey — from ignoring 5AM wake-up calls to realizing that delayed obedience is still disobedience. We’ll look at how Jonah ran from God, how fasting shifted a whole city’s fate, and why your yes to God could be the key to unlocking blessings for more than just you. 💡 Highlights: The real reason discipline isn’t working for you right now How disobedience creates chaos — not just in your life, but others’ too What fasting, obedience, and discipline actually have in common And how one man’s obedience led to an entire city being saved (whew!) 📖 Scriptures: Jonah 1–3, Ephesians 3:20 🎯 Theme: Discipline (but make it honest) 💌 Submit your thorn letter at https://bdsmithfinancial.com/1322-life-podcast/

L.O.T. Lifestyle

In Episode 5 of the 13:22 Life Podcast, Bri introduces a lifestyle that every believer striving to walk in God’s purpose must embrace: L.O.T — Listen, Obey, and Trust. We often say we trust God, but what does that look like in real life when things don’t make sense, when doors close, or when He asks you to take a leap with no clear landing? This episode dives into the importance of hearing God’s voice, following His instructions, and believing He’s still working—even when you don’t see it yet. If you’re in a season of waiting, decision-making, or quiet obedience, this message will strengthen your faith and remind you that God honors those who are led by His voice, not their own understanding. In This Episode: 👂 The power of listening for God's direction 🙌 Why obedience often comes before understanding 🕊️ What it truly means to trust God's timing 🔥 How LOT living changes the way you approach faith, business, and family 📖 Real stories and spiritual encouragement for your current season Scripture Focus: Proverbs 3:5–6 – “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight.” Let’s Stay Connected: 🌐 Website: https://bdsmithfinancial.com 📲 Instagram: @brismithcpa 📬 For updates & encouragement, subscribe on YouTube! 💬 Was this a word for you? Be sure to like, comment, and share this episode with someone who’s learning to live the L.O.T lifestyle too!

Faith Over Feelings – Overcoming Spiritual Laziness

In this episode of the 13:22 Life Podcast, we dive deep into a struggle many believers face but rarely talk about: spiritual laziness. We all have moments when we don’t feel like praying, reading, or showing up for God — but what happens when we let our feelings take the lead? Bri shares real-life reflections on how to push past emotional and spiritual fatigue and why discipline in your faith walk matters more than ever. It's not about perfection — it's about consistency and surrender. Key Takeaways: The difference between faith and feelings — and why both are powerful but not equal. How spiritual laziness shows up in our daily lives. Practical ways to cultivate spiritual discipline when motivation is low. Encouragement for those in a spiritually dry season. Scripture Reference: 📖 Hebrews 11:6 – “And without faith it is impossible to please God...” Call to Action: Have you ever felt stuck or distant in your spiritual walk? DM Bri on Instagram or comment below to share your story — you’re not alone, and breakthrough is possible. 🙏

The Difference Between Discipline & Motivation

In Episode 3 of the 13:22 Life Podcast, Bri unpacks a topic many of us wrestle with—discipline vs. motivation. While motivation can spark action, it often fades. Discipline, however, is what sustains us through the dry seasons, busy days, and even the days we don’t feel like showing up. If you’ve been relying on your feelings to get things done—or struggling because the “motivation” just isn’t there—this episode will give you a powerful mindset shift. Bri speaks from real-life experience as a woman juggling family, business, and faith, reminding us that God honors consistency, not just excitement. What You'll Learn: 🔥 Why motivation is unreliable—but discipline is powerful 🔥 The faith-based reason we must commit even when it’s inconvenient 🔥 How to build discipline in your daily life (especially when you're overwhelmed) 🔥 Encouragement to keep going even when you don’t “feel it” Scripture Anchor: Hebrews 11:6 – “And without faith it is impossible to please God...” 👆 This verse becomes a guiding light in how we approach showing up even when we’re not “in the mood.” Let’s Connect: 🌐 Website: https://bdsmithfinancial.com 📲 Follow on Instagram: @brismithcpa 📧 Questions or feedback? info@bdsmithfinancial.com 💬 Enjoyed this episode? Give it a thumbs up, subscribe to the channel, and share it with someone who needs this reminder today!

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