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

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