In this episode of 1322 Life (Season 3, Episode 4), Bri answers five thorn letters about college debt, credit disasters, marriage budgeting, unmotivated partners, and financial survival.

📬 LETTERS WE ANSWER:

1. “My daughter wants to go to an expensive school in Hawaii – she refuses community college. How do I stop her from drowning in debt?” – Bri says: she’s 18 and headstrong. Let her learn. Apply to 30 more scholarships. Love her through it.

2. “My ex‑wife’s bankruptcy hit my credit report – I was just an authorized user. 130‑point drop!” – Bri’s fix: pay off the small balance, dispute, get a letter from the card company.

3. “I freeze up when my wife talks money – she pays for everything, I give wrong numbers, and she’s frustrated. Help.” – Bri says: she can lead, but you must stay engaged. No more “yours/mine” – you’re married.

4. “My boyfriend (26) works a chill retail job, gave up on teaching music, no savings, and gets mad when I send him job leads. Should I move in with him?” – Bri: Absolutely not. Drop him. It’s not about money – it’s his mindset.

5. “We’re drowning financially in San Diego – two kids, behind on car loan, collections, husband has depression.” – Bri breaks down their income, shows the budget can work, and prays for them.

🙏 Opening and closing prayers included.

✉️ SUBMIT YOUR THORN LETTER:

Go to 1322life.com – anonymous or first name only.

#1322Life #ThornLetters #CollegeDebt #CreditScore #MarriageBudget #RelationshipAdvice #FinancialStruggle #ChristianPodcast

In this episode of 13:22 Life (Season 3, Episode 3), Bri answers five thorn letters about marriage struggles, financial selfishness, retail therapy, loneliness, and starting over at 44.

📬 LETTERS WE ANSWER:

1. “My wife wants a separation 4 months after marriage – and we’re in the middle of buying a house.” – Red flags, emotional distance, and a $10k non‑refundable deposit. Bri’s advice: don’t buy the house, and prepare for an annulment.

2. “My husband spends all his fun money AND our grocery budget – leaving me to cover essentials.” – Combined finances falling apart. Bri says: have a stern conversation, get a counselor, and stop letting selfish behavior slide.

3. “I struggle with financial discipline – retail therapy when I’m depressed.” – Removing apps doesn’t work. Bri recommends real therapy, healthy outlets (walking, free streaming), and creating new habits.

4. “I’m a 24‑year‑old scientist with no friends, no partner, and an empty life. Should I start over with a new career?” – Bri’s answer: your job isn’t the problem. You need people and God. Find community, hobbies, and a church.

5. “44, single, self‑employed, just ended a 2‑year relationship. Should I sell my beach house (doubled in value) and start over?” – Bri says: not crazy. You’re lonely and have no wife/kids – shake it up. Travel, move overseas, or find a remote role.

🙏 Opening and closing prayers included.

✉️ SUBMIT YOUR OWN THORN LETTER:

Go to 1322life.com – anonymous or first name only.

📲 CONNECT:

Website: www.1322life.com

Instagram: @brismithcpa

#1322Life #ThornLetters #MarriageAdvice #FinancialInfidelity #RetailTherapy #Loneliness #StartingOver #ChristianPodcast

In this episode of 13:22 Life (Season 3, Episode 2), Bri Smith answers four thorn letters – real financial and spiritual struggles from listeners (and Reddit).

📬 LETTERS WE ANSWER:

1. “Was I wrong for not co‑signing a car for my brother?” – We go straight to Proverbs. Four times God says: do not co‑sign. Run like a gazelle.

2. “AITA for refusing to pay for my sister’s husband’s surgery with my inheritance/college money?” – She spent her inheritance on cars and home renovations. Now she wants yours. Bri’s answer: No. She can sell her upgrades.

3. “Should I make my parents pay me back $100k for college if they want a relationship?” – They paid for your brothers but not you. Bri talks forgiveness, family, and what really matters before it’s too late.

4. “I feel like a stranger to God and don’t know how to come back.” – Depression, guilt, drifting away. Bri shares her own story: losing her grandmother, turning away from God, and the messy journey back.

🙏 Opening and closing prayers included.

✨ KEY SCRIPTURES:

Proverbs 6:1-5, Proverbs 11:15, Proverbs 17:18, Proverbs 22:26-27, The Prodigal Son (Luke 15)

✉️ SUBMIT YOUR OWN THORN LETTER:

Go to 1322life.com – anonymous or first name only. We want to hear what’s really hurting your finances and your walk with God.

📲 CONNECT:

Website: www.1322life.com

Instagram: @brismithcpa

#1322Life #ThornLetters #ChristianPodcast #PersonalFinance #CoSigning #Inheritance #Forgiveness #ProdigalSon