Should you wait to have children until you can afford their future? Would you lend someone $14,000? Should married couples ever loan each other money?

In this episode of the 13:22 Life Podcast, Bri Smith, CPA, answers real Thorn Letters covering some of today's toughest financial and relationship questions through a biblical and practical lens.

In this episode:

• How to balance enjoying life while still saving money

• Why a financial fast can help reset unhealthy spending habits

• Should spouses repay each other for personal expenses?

• Would you loan $14,000 to someone you barely know?

• How to handle different money habits in marriage

• Should you wait to have children until you're financially secure?

At 13:22 Life, we believe building wealth isn't just about money. It's about stewardship, wisdom, legacy, and honoring God in every financial decision.

📩 Submit your anonymous Thorn Letter:

https://1322life.com/#thorn

🌐 Learn more:

https://1322life.com

💼 Schedule a strategy session with B.D. Smith Wealth:

https://bdsmithwealth.com

👍 If this episode encouraged you, be sure to Like, subscribe, and share it with someone who could use this conversation.

#1322Life #BriSmithCPA #BiblicalFinance #ChristianFinance #MoneyManagement #MarriageAndMoney #PersonalFinance #FinancialWisdom #ChristianLiving #FinancialFreedom

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MORE RESOURCES

Faith Cards & Budgeting Sheet - https://bdsmithwealth.com/resources/

Free Financial Breakthrough Call - https://bdsmithwealth.com/work-with-me/

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CONNECT WITH ME

@brismithcpa

https://bdsmithwealth.com/work-with-me/

🎙️ THE AUDACITY | Thorn Letters Episode 10 | 13:22 Life Podcast

Some people have audacity.

This week? They had a lot of it.

In this episode of 13:22 Life, Bri reacts to five Thorn Letters involving entitlement, family drama, addiction, inheritance disputes, and people expecting others to fund the consequences of their choices.

📬 THORN LETTERS FEATURED:

▪️ An ex-wife expects her former husband to continue paying for her children’s private school and future college expenses after their divorce.

▪️ A woman struggling with heroin addiction blames her brother for her poverty after years of financial support.

▪️ A listener asks whether they should pay off IRS debt or high-interest credit card debt first.

▪️ A husband secretly gives money from the family savings account to his parents without his wife's knowledge.

▪️ A mother wants her son to give half of his inheritance to the child she had during an affair.

Needless to say...

Bri had thoughts.

🙏 Opening and closing prayer included.

✉️ SUBMIT YOUR THORN LETTER

Have a thorn in your side?

Submit your story anonymously at:

https://1322life.com/#thorn

🌐 Learn more:

https://1322life.com

🎙️ Hosted by Bri Smith, CPA

#1322Life #ThornLetters #ChristianPodcast #PersonalFinance #FamilyDrama #Inheritance #AddictionRecovery #Boundaries #ChristianLiving

In this episode of 1322 Life (Season 3, Episode 9), Bri answers five thorn letters about family money pressure, credit card requests, secret wealth, and a father’s betrayal.

📬 LETTERS WE ANSWER:

1. “My fiancé’s grandparents want my entire paycheck to repay his $20k debts – even though I never borrowed the money. Am I wrong to refuse?” – Bri says: He’s a fiancé, not a husband. Not your problem. If you marry, then you decide together – but 100% of your check to his family? Absolutely not.

2. “My sister wants me to take a cash advance on my credit card (18‑24% APR) for a house deposit. She’ll pay back in 2‑4 weeks. I just paid off my card – should I do it?” – Bri: No. Proverbs says it’s foolish. Cash advance has no grace period. She can use her own card. Also, a mortgage lender will ask if it’s a gift – don’t sign a false document.

3. “I’m a 30‑year‑old self‑made millionaire (real estate + business), but my family has always made me feel less than. Should I tell them?” – Bri: No. They’ll pretend to love you for your money. Wear the outfit, get your hair and nails done, pour into yourself. And get a personal trainer – health is wealth.

4. “My dad gave me money for my graduation party, then asked for it back to cheer up his stepkid. I returned it in front of his other kids and told him he’s not welcome at my graduation. Am I wrong?” – Bri: No. He’s dead wrong. He prioritized stepkids over you for years – missed hospital visits, broke promises. You have every right to set boundaries.

🙏 Opening and closing prayers included.

✉️ SUBMIT YOUR THORN LETTER:

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

#1322Life #ThornLetters #FamilyDebt #CreditCardCashAdvance #SelfMadeMillionaire #ParentalBetrayal #ChristianPodcast

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MORE RESOURCES

Faith Cards & Budgeting Sheet - https://bdsmithwealth.com/resources/

Free Financial Breakthrough Call - https://bdsmithwealth.com/work-with-me/

*********************************************************

CONNECT WITH ME

@brismithcpa

https://bdsmithwealth.com/work-with-me/