Every parsonage pastor knows the sinking feeling: "Everyone else is building equity except me."

Today, I'm going to sit with you in that feeling—then show you why it's based on a lie. I've developed a simple strategy just for parsonage pastors that has the potential to build wealth faster than any mortgage ever could—all it takes is a mindset shift!

Resources mentioned:

📝 Full Article:

https://www.shepherdswallet.com/blog/the-phantom-mortgage-build-equity-in-a-parsonage

👥Join the Sacred Capital Community (FREE): ⁠https://shepherdswallet.com/join

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

Think your housing allowance is free money? Think again. In this eye-opening episode, I reveal why treating your housing allowance like a spending target instead of a tax benefit could be sabotaging your financial future.

We'll explore:

• Why the "maximize at all costs" mentality is backwards
• The simple math that changes everything (hint: 12% off isn't free)
• The biblical perspective on stewardship vs. tax optimization
• How to think about your housing allowance the RIGHT way

Plus: Quick overview of how to properly calculate your Fair Rental Value.

Resources mentioned:📊 Free Housing Allowance Documentation Tool: https://shepherdswallet.com/housing-allowance-tool

📝 Detailed FRV Calculation Guide (blog post): https://www.shepherdswallet.com/blog/determining-fair-rental-value-2025

💰 Pastor Tax Review: https://shepherdswallet.com/taxreview

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

Your church board suggests reducing your salary to save on taxes. It sounds brilliant—lower salary means lower SECA taxes, right? Wrong.

In this episode, we expose why voluntary salary reduction arrangements violate IRS constructive receipt rules and could trigger audits, penalties, and financial chaos. Learn what the tax authorities actually say, and discover legitimate alternatives that provide better tax savings without the risk.

If you've ever wondered about creative compensation arrangements with your church, this episode could save you thousands in penalties and protect your ministry's financial integrity.

🔗 FULL ARTICLE: https://www.shepherdswallet.com/blog/the-salary-reduction-tithe-trap

RESOURCES MENTIONED:🏠 FREE HOUSING ALLOWANCE TOOL: shepherdswallet.com/housing-allowance-tool

📊 Pastor Tax Review: https://shepherdswallet.com/taxreview

💬 Join Sacred Capital Community https://shepherdswallet.com/join

📖 Pre-order "Shepherding Your Finances" (35% discount) https://shepherdswallet.com/book

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

If you signed Form 4361 and opted out of Social Security, you can't undo that decision. But you CAN build real financial security with the right plan.

This episode walks opted-out pastors through four essential steps to replace the benefits you gave up:

1. Qualifying for Medicare through secular work,
2. Saving and investing aggressively,
3. Getting disability insurance, and
4. Building a healthcare savings strategy.

No guilt, no relitigating past decisions—just practical action steps you can implement today. Whether you opted out decades ago or recently, this is your roadmap to financial peace.

• Join the Sacred Capital Community: https://shepherdswallet.com/join
• Pre-order "Shepherding Your Finances" (35% off): https://shepherdswallet.com/book
• $95 Tax Review: https://shepherdswallet.com/taxes
• Free Coaching Consultation: https://shepherdswallet.com/coaching
• Book Seth for church board training: https://shepherdswallet.com/speaking

Are you accidentally paying your bank thousands in interest just to save a few hundred in taxes?

In this live Q&A excerpt, I walk through my mortgage refinance calculator designed specifically for pastors and show you exactly how to compare three scenarios:✅ Keep your existing mortgage✅ Refinance to new terms✅ Pay off aggressively

KEY TAKEAWAYS:

• Keeping your mortgage only saves money under VERY specific conditions (22%+ tax bracket, sub-5% interest rate, under 10 years remaining)
• Refinancing often costs pastors MORE despite lower rates because of extended loan terms
• You need to factor in your housing allowance benefits when making ANY mortgage decision
• The peace of knowing your numbers is worth more than the "perfect" mathematical answer

RESOURCES MENTIONED:

📊 Free Mortgage Refinance Calculator:

https://shepherdswallet.com/refinance-calculator

Join the Sacred Capital Community (FREE)https://shepherdswallet.com/join

📖 Pre-order "Shepherding Your Finances" (35% discount)https://shepherdswallet.com/book

💬 Schedule Free Coaching Consultationhttps://shepherdswallet.com/coaching

📝 Read the Full Blog Posthttps://www.shepherdswallet.com/blog/should-you-refinance-your-mortgage-as-a-pastor

🎯 Tax Review ($95 for peace of mind)https://shepherdswallet.com/taxes⁠📚 Tax Mastery Training (file your own taxes with confidence)https://shepherdswallet.com/taxes

Professional tax prep costs $500+ and many CPAs still get minister taxes wrong. Filing yourself? I've never seen a self-prepared pastor return without major errors. There has to be a better way.

In this video, I break down the 5 most costly mistakes I see in both professional AND self-filed pastor returns - from church payroll disasters to housing allowance confusion to SECA tax miscalculations.

Resources Mentioned:📋 Comprehensive Tax Review ($95): shepherdswallet.com/taxes🎓 Self-File Training Program ($225): shepherdswallet.com/taxes📖 Pre-order "Shepherding Your Finances" (35% off): shepherdswallet.com/book👥 Join Sacred Capital Community (FREE): shepherdswallet.com/join🗣️ Church Board Training: shepherdswallet.com/speaking

The IRS allows you to amend returns for up to 3 years - if you've been making these mistakes, you could potentially recover thousands in overpaid taxes.

This content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.

Ever preached about stewardship then came home worried about your own financial reality? You're not alone. The #1 thing keeping pastors from financial security isn't lack of money—it's guilt.

In this episode, I address the toxic theology that makes pastors feel guilty about pursuing financial wisdom, and introduce the 5-10-15 Rule—a simple framework designed specifically for pastoral finances.

THE 5-10-15 RULE:

• 5 months of essential expenses in emergency savings
• 10x income in life insurance (minimum $150k-$250k per adult)
• 15% of total compensation saved for retirement

RESOURCES MENTIONED:📖 Pre-order "Shepherding Your Finances" (35% off): https://shepherdswallet.com/book

👥 Join Sacred Capital Community (FREE): https://shepherdswallet.com/join
💬 Free Coaching Consultation: https://shepherdswallet.com/coaching

🎤 Speaking Inquiries: https://shepherdswallet.com/speaking

Missing thousands in housing allowance benefits? You're not alone.In this live demonstration, I walk through my housing allowance optimization tool using real pastor scenarios. Watch as we uncover hidden qualifying expenses most pastors miss and see exactly how proper housing allowance planning can save $2,000-$5,000+ annually.🎯 WHAT YOU'LL LEARN:✅ Step-by-step housing allowance calculation walkthrough✅ Common mistakes that cost pastors thousands✅ Strategic planning for maximum tax benefits✅ Fair rental value vs. actual expense comparisons🔗 DOWNLOAD THE TOOL: https://www.shepherdswallet.com/housing-allowance-tool📖 BOOK PRE-ORDER: "Shepherding Your Finances" launches Spring 2026https://www.shepherdingyourfinances.com/💬 JOIN OUR COMMUNITY:For ongoing support and exclusive content: https://www.shepherdswallet.com/join📅 COACHING PROGRAMS:- Quick Start Session: $550- Intensive Coaching: $2,750 (6 sessions)Details: https://www.shepherdswallet.com/coachingThis content is for educational purposes only and should not be considered personalized tax or legal advice. Tax laws are complex and individual situations vary. Please consult with qualified professionals for advice specific to your situation.