In this episode of Prosper in the Kingdom, John Cleaver and Wendy Lee unpack a crucial but often overlooked question for small business owners and entrepreneurs: Do you need a legal team? Spoiler alert: yes, you probably do—and it doesn’t have to break the bank.

Whether you're just getting started or scaling your business, understanding legal basics like contracts, LLC formation, trademarks, and website compliance could save you from costly mistakes down the road. John and Wendy share personal stories, real-life business scenarios, and a surprisingly affordable solution for accessing qualified legal support tailored to small business needs.

• Legal mistakes that cost entrepreneurs big
  

• LLC vs. sole proprietorship: which protects you better?
  

• ADA compliance for websites
  

• Terms & conditions and privacy policies done right
  

• The power of having an attorney letterhead in collections
  

• How to get legal document reviews for under $50/month
  

“Without counsel plans fail, but with many advisors they succeed.” — Proverbs 15:22

• Legal membership network recommended by John & Wendy
  

• More business tools at: https://prosperinthekingdom.com
  

Loved this episode? Hit the like button, leave a review, and share it with another entrepreneur who needs this info. Don’t build your business alone—build it protected.

📌 Topics Covered:📖 Key Verse:🔗 Resources Mentioned:📣 Call to Action:

Is the new tax bill from the Trump administration truly a win for the working class—or just political noise? In this episode of Prosper in the Kingdom, John Cleaver and Wendy Lee break down the so-called “Big Beautiful Bill,” unpacking what it really means for middle-class families, small business owners, and anyone earning tips or overtime.

This isn’t about politics—it’s about your paycheck, your taxes, and your future.

• What’s actually included in the Trump tax bill and who benefits most

• The surprising deductions for hourly workers, service industry employees, and parents

• What business owners (LLCs, S-Corps) should know to maximize tax advantages

• The real reason this bill could encourage work over welfare

• Cuts to programs like Medicaid, SNAP, and clean energy—what it means and what’s being misunderstood

• Long-term risks like inflation and national debt—and how to prepare your finances now

• Biblical insights on work ethic, stewardship, and community responsibility
  

• Up to $25K in tax deductions for cash tips and $12.5K for overtime—major wins for the service and shift-work industries

• Business owners can retain more profit and reinvest into their families and communities

• Parents may qualify for new savings incentives and expanded homeschool tax-free spending

• Real talk about where government support should end—and where the church must step in

• Practical advice: Use this tax window to pay off debt, build an emergency fund, and protect your legacy
  

00:00 – Intro 03:15 – What the “Big Beautiful Bill” actually does 08:30 – Tax deductions for tips, overtime, and business owners 14:00 – Medicaid cuts and fraud: What’s fact vs fear 19:40 – Homeschooling and savings account tax advantages 24:10 – Where should we cut to balance the budget? 29:45 – Biblical perspective: Rewarding work over handouts 34:00 – Long-term implications and what to do NOW 38:20 – Get your financial plan at SafeMoneyRoadmap.com

• SafeMoneyRoadmap.com – Get your free custom financial planProsperintheKingdom.com – More resources and past episodes
  

If this episode helped you understand the bill and how it impacts your finances, subscribe, leave a review, and share it with someone navigating the same questions. Let's prosper in wisdom, wealth, and purpose—together.

🔍 What You’ll Learn in This Episode:💡 Key Takeaways:⏱️ Episode Timestamps:🔗 Resources Mentioned:📣 Subscribe & Share:

Is tipping getting out of hand? In this eye-opening episode, John Cleaver and Wendy Lee explore the growing frustration around tipping culture in America — and how it’s shifted from a generous act of gratitude to a guilt-fueled expectation.

From drive-thru windows to online checkouts, it feels like everyone is asking for a tip. But what does that mean for our values as believers, and how do we respond with both generosity and discernment?

If you’ve ever felt awkward at the tip screen or questioned whether you’re being too stingy or too generous, this conversation will challenge you to think deeper about generosity, financial stewardship, and setting personal standards.

🎧 In This Episode You’ll Learn:

• Why tipping culture has dramatically changed since the pandemic
  

• What roles actually depend on tips for income — and which don’t
  

• How forced tipping can rob us of the joy of true generosity
  

• What Scripture says about giving cheerfully vs. giving out of guilt
  

• How Christians can be both generous and wise with their money
  

• Real talk: Why “everyone gets a trophy” culture may be fueling entitlement
  

✝️ Key Scripture Referenced:

• 2 Corinthians 9:7 – “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”
  

🔍 Keywords to Help You Find This Episode:

• Is tipping out of control?
  

• Christian perspective on tipping culture
  

• Should I tip for counter service?
  

• Why do we feel guilty not tipping?
  

• Tipping etiquette 2025
  

• Stewardship vs. guilt in giving
  

• How much to tip at a coffee shop
  

• Generosity as a Christian
  

📲 Links & Resources:

• 💰 Get a free personal financial review at SafeMoneyRoadmap.com — no obligation, no tip required 😉
  

• Explore more episodes & resources at: prosperinthekingdom.com
  

💬 Listener Challenge: Have you noticed the shift in tipping culture? Do you feel pressure to tip where you didn’t before? Drop your thoughts in the comments and let’s talk about it!

Subscribe + Review: If this episode made you think twice at the tip screen, leave us a ⭐⭐⭐⭐⭐ review and share it with a friend who’s been silently fuming about tipping too!

Get more financial tips and advice at joncleaver.com

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

Follow us:

https://www.instagram.com/joncleaverofficial/

https://www.instagram.com/moneywithwendy/

Here are the SEO-optimized show notes for the Prosper in the Kingdom podcast episode titled:

Who Should Be on Your Money Team? 4 Experts Every Entrepreneur Needs

Struggling to figure out how to manage your money as an entrepreneur? You’re not alone—and you don’t have to do it all yourself. In this episode of Prosper in the Kingdom, John Cleaver and Wendy dive into the 4 essential people you need on your money team to build and protect your wealth. From tax strategy to long-term growth and legal protection, this episode gives you the practical insights and real-life stories you need to get your financial house in order—without the overwhelm.

Whether you’re just starting your business or scaling rapidly, this conversation will help you identify the right people to support your financial journey and keep more of what you earn.

• Why every entrepreneur needs a CPA or tax strategist (and what to avoid)
  

• The real cost of DIY bookkeeping—and how to fix it
  

• How a financial planner can help your money grow while you sleep
  

• Why hiring an attorney isn’t just for big business
  

• The bonus players: social media strategists and mentors who expand your reach and mindset
  

• who should be on my money team
  

• money team for entrepreneurs
  

• how to hire a CPA
  

• bookkeeper vs accountant
  

• financial planning for business owners
  

• legal protection for small business
  

• build your business finance team
  

• entrepreneurial money tips
  

• wealth building for entrepreneurs
  

• faith and finances in business
  

00:00 – Welcome back to Money Moves 01:30 – What is a money team and why do you need one? 03:00 – The #1 person you need: Tax preparer or CPA 06:15 – Real talk: How Wendy went from a $55k tax bill to a refund 09:15 – #2: The bookkeeper who keeps you sane and saves you stress 13:00 – Letting go of guilt and letting experts do what they do best 14:20 – #3: Why financial planners aren’t just for the wealthy 18:00 – What most entrepreneurs get wrong about money growth 20:00 – #4: Yes, you need a lawyer (and what kind) 23:45 – BONUS: The marketing help and mentors that sharpen you 27:15 – Jeff’s story: Why even millionaires take notes 29:00 – Final thoughts: Stop sitting on the sidelines—get in the game

• JohnCleaver.com (mention Black Swan Money for a free financial plan)
  

🎙️ Episode Title:📌 Episode Summary:🧩 What You’ll Learn:🔍 Keywords for SEO:⏰ Timestamps:🔗 Resources Mentioned:Connect with Wendy and John on social media

Are you looking for practical, faith-driven ways to bring in extra income without selling your soul or your time? In this episode of Prosper in the Kingdom, John Cleaver and Wendy Lee break down 5 real and relatable ways to generate extra income—along with the honest truth about what it takes to make them work.

Whether you're a stay-at-home parent, full-time employee, retiree, or entrepreneur, this episode gives you the tools and mindset to create income that aligns with your values, time, and goals.

• The truth about picking up a part-time job—is it really worth it?
  

• How to use your skills to earn through freelance and contract work
  

• Why starting a side business or network marketing gig might be more doable than you think
  

• How to create passive income through digital products and mini courses
  

• Why investing and real estate are long-term income strategies that build legacy
  

• The real reason your income might still be capped (and what to do about it)
  

• The mindset shifts Christian entrepreneurs need for financial growth
  

• Biblical encouragement: "Faith without works is dead." (James 2:17)
  

how to make extra income, Christian side hustles, passive income ideas, faith and money podcast, biblical financial wisdom, digital products for beginners, network marketing truth, real estate investing for Christians, freelance work tips, how to start a side business

0:00 – Welcome & why this topic matters 3:15 – Option 1: The part-time job route (pros & cons) 10:30 – Option 2: Freelance & 1099 work flexibility 17:40 – Option 3: Starting a small side business 25:00 – Wendy’s story: $7K from a Trello course? 30:45 – Option 4: Creating digital income streams 37:00 – Option 5: Investing in assets & real estate 45:20 – Final encouragement: “God blesses movement, not just intention”

“Don’t just manifest it—move on it. Faith without works is dead.” “Just because you’re good at something doesn’t mean you’re good at running a business doing that something.” “God will put the opportunities in front of you, but it’s up to you to take action.”

📲 Want a FREE custom financial game plan?Click here to schedule your session: https://www.safemoneyroadmap.com

📦 Download Wendy’s Trello MLM Starter Course here:https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

Watch the video version on YouTube

Book a free 15-minute call for business or financial coaching

Let us know in the comments—which of the 5 income strategies are you going to try first? Already have a side hustle? We want to hear about it!

🔍 In This Episode, You’ll Learn:🔑 Keywords (for SEO):📌 Timestamps:💬 Notable Quotes:🎯 Links & Resources:🙌 Connect with Us:

In this episode, hosts John Cleaver and Wendy Lee tackle the chaos of today’s world—from inflation and tariffs to tech overreach and political noise—and break down how faith-filled families can protect their finances without falling into fear. With a mix of practical wisdom and biblical perspective, they challenge you to focus on what you can control and stay grounded in eternal truth. If you've felt overwhelmed by the news or unsure how to plan for your financial future in uncertain times, this episode will steady your heart and sharpen your strategy.

What You’ll Learn:

• Why inflation, interest rates, and consumer debt should influence your financial decisions now
  

• Practical steps to protect your wealth and mindset in a turbulent economy
  

• How to filter media and stay grounded in faith (without sticking your head in the sand)
  

• The impact of tech and targeted ads on your family—and what to do about it
  

• How to create a spending plan and do a quick internal audit of your finances
  

• The biblical reminder that we already know how the story ends—and how that changes everything
  

Timestamps:

• 0:00 – New day, new episode: Why Wednesdays?
  

• 2:50 – Global chaos and political shifts: What’s really going on?
  

• 9:15 – Faith vs. fear: Why our response matters
  

• 13:20 – Inflation and interest rates: What you need to know
  

• 20:40 – Debt, spending audits, and financial recalibration
  

• 27:00 – The impact of tech and digital marketing on families
  

• 33:30 – Media boundaries, neighborly love, and kingdom mindset
  

• 42:00 – Final takeaways: Control what you can, surrender the rest
  

Notable Quotes:

“We can only control the controllables—and turn the rest over to God.” “Inflation eats your cash flow. Don’t ignore it. Plan for it.” “Just because it’s free doesn’t mean you’re not the product.”

Resources & Links: 📱 Website: prosperinthekingdom.com 📺 Subscribe on YouTube: Prosper in the Kingdom 📲 Follow on Instagram and Facebook

In this powerful episode of Prosper in the Kingdom, John Cleaver and Wendy Lee dive into a raw and real conversation about the trials of life—and how to turn them into powerful testimonies. From personal stories of financial crisis and heartbreak to spiritual breakthroughs and biblical encouragement, this episode will remind you that you're not alone, God hasn’t abandoned you, and every obstacle is an opportunity for growth. If you're in a tough season, this one’s for you.

📌 Key Takeaways:

• Why trials aren't punishment, but growth opportunities.
  

• How James 1:2-4 and Romans 5:3-4 give a blueprint for spiritual endurance.
  

• The importance of not isolating yourself during hard times—and leaning into community and God instead.
  

• The shift from “Why me?” to “What’s God doing through me?”
  

• Real-life stories of financial breakthrough, emotional resilience, and spiritual clarity.
  

• How your biggest test might be preparing you to minister to someone else.
  

📖 Scriptures Referenced:

• James 1:2-5 – Count it all joy when you face trials
  

• Romans 8:28 – All things work together for the good…
  

• Romans 5:3-4 – Suffering produces endurance, character, and hope
  

⏱️ Episode Timestamps: 0:00 – Intro + Reflections on the 12-week series 2:00 – Why James is the go-to book during trials 5:00 – Is God punishing me? Let’s debunk that lie 10:00 – From pain to purpose: reframing trials as spiritual growth 15:30 – The danger of isolation and the value of godly community 20:45 – Turning your breakdown into someone else’s breakthrough 25:10 – Practical encouragement: 3 ways to turn trials into testimonies 30:00 – Final word: Your story isn’t over

📝 Action Steps This Week:

1. Write down your biggest current challenge. Reframe it: what might God be trying to teach you?
   

2. Pray intentionally for wisdom and listen quietly for God’s guidance.
   

3. Encourage someone else who's struggling. Be the hope you wish you had.
   

✨ Memorable Quotes:

“God doesn’t do things to you—He does things through you.” “You’re not being punished. You’re being refined.”

🔗 Resources & Connect: Visit: prosperinthekingdom.com Follow on Instagram + Facebook: @prosperinthekingdom Subscribe on YouTube + your favorite podcast app!

🙌 If this episode blessed you, share it with a friend who’s in a hard season. Let’s remind them they’re not alone—and the best is yet to come.

In this final episode of their 12-week series on God's blueprint for health, wealth, and wisdom, Jon Cleaver and Wendy Lee unpack the core resources every Kingdom-driven leader must learn to steward: time, money, and energy. This isn't your typical productivity pep talk—it's a real, faith-rooted conversation about intentional living and legacy-building. From practical tools to spiritual truths, this episode will challenge and encourage you to align your daily choices with your eternal purpose.

🔥 Key Takeaways:

• Why time is your most valuable resource—and how the enemy loves to distract you from your calling.
  

• How to stop wasting money and start assigning every dollar a Kingdom purpose.
  

• What it really means to steward your energy (spoiler: it’s not just about self-care).
  

• The truth about legacy—and the one question you need to ask about how you’re living right now.
  

📌 Highlights:

• “Time doesn’t just disappear—it gets eaten by distraction.”
  

• “If you don’t tell your money what to do, it will run away from you.”
  

• “Stop pouring from an empty cup. Start getting filled by the Holy Spirit.”
  

• “Legacy isn’t about wealth. It’s about the impact you leave behind.”
  

🛠 Practical Actions:

• Time block your top three priorities each day.
  

• Review your monthly budget and ask: Does my spending reflect Kingdom values?
  

• Audit your energy: What fuels you vs. what drains you? Shift accordingly.
  

• Write your own legacy sentence—or even your obituary—and ask: Am I living in alignment with this?
  

🙏 Scripture References:

• Psalm 90:12 – “Teach us to number our days that we may gain a heart of wisdom.”
  

• Matthew 6:21 – “For where your treasure is, there your heart will be also.”
  

• Galatians 6:9 – “Let us not grow weary in doing good…”
  

💬 Quotable Moments:

“If the enemy can’t have your heart, he’ll go after your time.” “It’s not more pampering you need—it’s more Jesus.”

🌱 Episode Challenge: Pray and ask God which of the three areas—time, money, or energy—you need to grow in right now. Then take one small step this week to steward it better.

🔗 Connect & Share: Loved this episode? Don’t keep it to yourself—share it with someone who’s ready to align their life with Kingdom purpose. For more tools and encouragement, visit prosperinthekingdom.com.

Let’s keep building lives of purpose and abundance—one intentional decision at a time.