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

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

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.

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

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💡 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

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Follow the 13:22 Life Podcast 📺 YouTube: @1322Life 📲 Spotify | Apple Podcasts | Google Podcasts

#1322LifePodcast #BriSmithCPA #FaithAndFinance #BuildWealthGodsWay #Obedience

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

🎙️ 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/