Episode 31 – Legacy Through Strength and Stewardship Key Verses: Proverbs 31:10 – “An excellent wife who can find? She is far more precious than jewels.” Proverbs 31:16 – “She considers a field and buys it; with the fruit of her hands she plants a vineyard.” Proverbs 31:25 – “Strength and dignity are her clothing, and she laughs at the time to come.” Proverbs 31:27 – “She looks well to the ways of her household and does not eat the bread of idleness.” Proverbs 31:30–31 – “Charm is deceitful, and beauty is vain, but a woman who fears the Lord is to be praised.” Series Finale Overview: Episode 31 is more than a closing—it’s a celebration of the journey through Proverbs and the wisdom that transforms both faith and finances. Greg Carroll reflects on the heartbeat of Proverbs 31: legacy is built in everyday faithfulness, shared stewardship, and lives anchored in the fear of the Lord. Over 31 episodes, listeners have learned that: Wisdom is wealth. Trust beats tactics. Discipline, generosity, and humility are the foundation of true financial peace. Legacy is not about perfection—it’s about faithfulness. This final episode honors the daily, intentional choices that leave a generational impact. Greg also pays tribute to his wife, Karen, whose support and wisdom have been a cornerstone of this podcast and of Legacy Financial Coaching. What You’ll Learn: Why financial legacy begins with unity and shared stewardship in the home How excellence is expressed in action, planning, and purpose—not just words Why strength, dignity, and preparation produce peace instead of fear That true honor comes from faithful work and a life that fears the Lord How small, consistent acts of faith build a legacy far beyond money Take Action: Couples: Pursue financial unity and shared decision-making as partners and stewards. Singles: Walk in excellence now and prepare for partnership with intentionality. Everyone: Commit to building a legacy that reflects God’s character, not the world’s priorities. Pray: “Lord, help us honor You with unity, wisdom, and strength—so that what we build reflects who You are. In Jesus’ Name, Amen.” Special Mention: This episode wraps the 31-part Proverbs Edition of Beyond the Budget. Greg announced a 31-day devotional journal coming soon, expanding these episodes into a reflective, actionable guide. Follow him on social media or reach out to receive early access and a discounted copy. Legacy-building and stewardship resources at www.LegacyFinancialCoach.com

Episode 30 – Humbled, Not Helpless Key Verses: Proverbs 30:2–3 – “Surely I am too stupid to be a man. I have not learned wisdom, nor have I knowledge of the Holy One.” Proverbs 30:5 – “Every word of God proves true; he is a shield to those who take refuge in him.” Proverbs 30:7–9 – “Give me neither poverty nor riches… lest I be full and deny you, or lest I be poor and steal.” Proverbs 30:24–28 – On the wisdom of small creatures Overview: In Episode 30, Greg Carroll takes a reflective journey through Proverbs 30 to highlight humility, dependence on God, and the power of small, faithful steps. Financial and spiritual wisdom begins where pride ends. This episode reminds listeners that strength comes from surrender, Scripture is the true anchor, and even small, steady actions can leave a lasting impact. What You’ll Learn: Why acknowledging your limitations opens the door to God’s wisdom How Scripture serves as a refuge and foundation for life and finances The power of the “enough” prayer to keep your heart aligned with God Lessons from small creatures that model preparation, consistency, and purpose How humility leads to dependence, and dependence leads to peace Take Action: Reflect: Where are you pretending you have it all figured out instead of seeking God? Pray: Ask for “enough” to stay faithful, generous, and focused on your true Provider. Act Small: Take one humble, wise step today to move toward your financial and spiritual goals. Pray: “Lord, I don’t need to have it all. I just want to trust You with all I have. In Jesus’ Name, Amen.” Mentioned in the Episode: Legacy-building and stewardship resources at www.LegacyFinancialCoach.com

Episode 29 – Lead Well, Live Disciplined Key Verses: Proverbs 29:1 – “He who is often reproved, yet stiffens his neck, will suddenly be broken beyond healing.” Proverbs 29:11 – “A fool gives full vent to his spirit, but a wise man quietly holds it back.” Proverbs 29:15 – “The rod and reproof give wisdom, but a child left to himself brings shame to his mother.” Proverbs 29:18 – “Where there is no prophetic vision the people cast off restraint, but blessed is he who keeps the law.” Proverbs 29:23 – “One’s pride will bring him low, but he who is lowly in spirit will obtain honor.” Overview: In Episode 29, Greg Carroll shares practical and spiritual insights from Proverbs 29 to challenge listeners toward humble leadership and consistent discipline. The episode emphasizes how self-control, vision, and correction are not just moral virtues—they’re essential financial tools. If you want to lead well in your home and finances, it begins with listening, learning, and surrendering. What You’ll Learn: Why correction isn’t a threat—it’s a gift that prevents destruction How financial restraint is rooted in emotional maturity Why a clear financial vision keeps you from reactive, impulse-based decisions How daily discipline builds influence and legacy The role of humility in unlocking long-term growth and peace Take Action: Reflect: Where have you resisted correction—in finances or in faith? Define: What is your financial vision? Can your discipline support it? Reset: Practice restraint in one key area this week—spending, speaking, or reacting Pray: “Lord, grow my character. Strengthen my restraint. And help me lead with wisdom, humility, and peace.” Mentioned in the Episode: Tools and coaching at www.LegacyFinancialCoach.com

Episode 28 – Bold Steps, Clean Hands Key Verses: Proverbs 28:1 – “The wicked flee when no one pursues, but the righteous are bold as a lion.” Proverbs 28:6 – “Better is a poor man who walks in his integrity than a rich man who is crooked in his ways.” Proverbs 28:8 – “Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor.” Proverbs 28:13 – “Whoever conceals his transgressions will not prosper, but he who confesses and forsakes them will obtain mercy.” Proverbs 28:20 – “A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” Overview: In Episode 28, Greg Carroll shares how Proverbs 28 flips the script on financial confidence. It’s not built on status, savings, or speed—it’s built on clean hands, honest confession, and steady faithfulness. Whether you’re battling hidden habits or feeling pressure to get ahead, this episode is a call to integrity and spiritual freedom. What You’ll Learn: Why boldness is the fruit of integrity, not personality How dishonest gain leads to spiritual instability and eventual loss The importance of confession—not just for sin, but for financial clarity How rushing for wealth undermines faithfulness and peace Why the slow, steady path of obedience brings lasting abundance Take Action: Confess: Is there something you’ve been hiding—financially or spiritually? Slow down: Are you chasing shortcuts or trusting God’s timing? Evaluate: Where are you trading integrity for results? Pray: “Lord, help me walk with integrity, confess freely, and live bold—not because I’m perfect, but because I’m clean before You.” Mentioned in the Episode: Coaching and support at www.LegacyFinancialCoach.com

Episode 27 – Sharpened by Truth, Anchored in Stewardship Key Verses: Proverbs 27:6 – “Faithful are the wounds of a friend; profuse are the kisses of an enemy.” Proverbs 27:17 – “Iron sharpens iron, and one man sharpens another.” Proverbs 27:19 – “As in water face reflects face, so the heart of man reflects the man.” Proverbs 27:23–24 – “Know well the condition of your flocks… for riches do not last forever.” Overview: In Episode 27, Greg Carroll walks through the relational and financial wisdom of Proverbs 27, showing how real growth comes from honest feedback, ongoing accountability, and faithful stewardship. This episode reminds listeners that who we surround ourselves with—and how we handle what we’ve been given—says a lot about what’s happening in our hearts. What You’ll Learn: Why truthful friends are more valuable than flattering crowds How accountability sharpens your financial and spiritual life The importance of paying close attention to your current financial condition Why your financial habits reflect your heart—and how to realign both with wisdom That stewardship begins not with intention, but with observation and obedience Take Action: Evaluate: Who has permission to speak into your finances—and do you listen? Review: Are you actively tracking your money or hoping it works out? Reflect: What do your financial habits reveal about your heart posture? Pray: “Lord, surround me with faithful friends, sharpen my mind and heart, and help me steward what You’ve entrusted me to manage.” Mentioned in the Episode: Tools and coaching at www.LegacyFinancialCoach.com

Episode 26 – Don’t Debate the Fool Key Verses: Proverbs 26:4–5 – “Answer not a fool according to his folly… Answer a fool according to his folly…” Proverbs 26:11 – “Like a dog that returns to his vomit is a fool who repeats his folly.” Proverbs 26:12 – “Do you see a man who is wise in his own eyes? There is more hope for a fool than for him.” Proverbs 26:13–16 – Warnings about laziness and excuses Proverbs 26:24–26 – Caution against hidden motives and deceptive counsel Overview: In Episode 26, Greg Carroll offers hard-hitting wisdom from Proverbs 26 on how to handle foolishness—especially when it comes to financial decisions and conversations. This episode emphasizes discernment, humility, and the danger of pride, laziness, and circular arguments. It’s not just about staying the course—it’s about walking with wisdom when others around you mock, resist, or mislead. What You’ll Learn: Why discernment is key when deciding whether to respond to critics or walk away The danger of returning to habits God has already delivered you from How laziness often wears the disguise of logic and excuses Why pride is more dangerous than ignorance—and how to guard against it How to recognize (and avoid) advice that’s rooted in ego, not wisdom Take Action: Ask yourself: Are you listening to wise counsel—or just loud voices? Identify any areas where you’re tempted to fall back into old, unhealthy patterns Watch your motives—and those of the people speaking into your financial life Pray: “Lord, keep me wise, humble, and quiet when needed. Help me stay on Your path—no matter who mocks the walk.” Mentioned in the Episode: Learn more at www.LegacyFinancialCoach.com

Episode 25 – Quiet Strength, Lasting Influence Key Verses: Proverbs 25:6–7 – “Do not put yourself forward in the king’s presence… for it is better to be told, ‘Come up here,’ than to be put lower…” Proverbs 25:11–12 – “A word fitly spoken is like apples of gold in settings of silver…” Proverbs 25:15 – “With patience a ruler may be persuaded, and a soft tongue will break a bone.” Proverbs 25:28 – “A man without self-control is like a city broken into and left without walls.” Overview: In Episode 25, Greg Carroll explores how Proverbs 25 encourages humility, self-control, and quiet strength as the true marks of lasting influence. In a culture that prizes noise and visibility, wisdom teaches us to live differently. Whether in finances, leadership, or relationships, lasting peace and credibility are built through faithfulness, discretion, and disciplined living. What You’ll Learn: Why humility opens doors that pride can’t How thoughtful words build trust and credibility Why patient consistency outperforms quick ambition What it means to build financial “walls” through discipline and boundaries Why influence is cultivated in quiet obedience, not public applause Take Action: Reflect: Are you letting God promote you—or trying to prove yourself? Evaluate: Where have you lacked discretion or given in to self-indulgence? Rebuild: What area of your financial life needs clearer boundaries or restored control? Pray: “Lord, teach me to walk humbly, speak wisely, and guard my life with self-control. Use my quiet obedience to make a lasting impact.” Mentioned in the Episode: Coaching and financial discipleship tools at www.LegacyFinancialCoach.com

Episode 24 – Build Steady, Stand Strong Key Verses: Proverbs 24:3–4 – “By wisdom a house is built, and by understanding it is established; by knowledge the rooms are filled with all precious and pleasant riches.” Proverbs 24:10 – “If you faint in the day of adversity, your strength is small.” Proverbs 24:16 – “The righteous falls seven times and rises again…” Proverbs 24:19–20 – “Fret not yourself because of evildoers… there will be no future for the evil man.” Overview: In Episode 24, Greg Carroll turns to Proverbs 24 to talk about long-term faithfulness, resilient stewardship, and the trap of comparison. Financial peace and godly influence aren’t built overnight—they’re the result of small, faithful steps taken over time. When adversity hits (and it will), wisdom keeps you grounded, and resilience helps you rise. What You’ll Learn: Why wisdom, not hype, is the foundation for lasting financial peace How preparation, not panic, determines your response in adversity That falling isn’t failure—quitting is How comparison to others can derail your progress and distract from your purpose Why consistency always outlasts short bursts of intensity Take Action: Reflect: Are you building a life based on steady wisdom—or short-term emotion? Reset: If you’ve fallen off track, recommit and get back up Refocus: Let go of comparison and focus on what God has called you to build Pray: “Lord, help me build wisely, rise with perseverance, and walk with eyes fixed on You—not on others.” Mentioned in the Episode: Tools and coaching at www.LegacyFinancialCoach.com

Episode 23 – Guard Your Desires, Protect Your Destiny Key Verses: Proverbs 23:1–3 – “Put a knife to your throat if you are given to appetite.” Proverbs 23:4–5 – “Do not toil to acquire wealth; be discerning enough to desist.” Proverbs 23:17–18 – “Let not your heart envy sinners… surely there is a future, and your hope will not be cut off.” Proverbs 23:19–21 – “The drunkard and the glutton will come to poverty.” Proverbs 23:29–35 – A vivid warning against overindulgence and addiction Overview: In Episode 23, Greg Carroll unpacks the warnings of Proverbs 23—how unchecked appetite, envy, and indulgence can quietly unravel your financial future and spiritual foundation. This episode is a sober reminder that your desires shape your destiny. If you don’t guard them, they’ll guide you. And not toward freedom. What You’ll Learn: Why appetite is about more than food—it’s about unchecked emotional spending, luxury chasing, and impulse decisions How overworking to gain wealth leads to emptiness, not abundance Why comparison with worldly success leads to poor decisions and discontentment How repeated indulgence—whether alcohol, spending, or media—erodes discipline and margin Why guarding your inputs today protects your peace tomorrow Take Action: Reflect: Where are you indulging too freely? Evaluate: Are your financial choices driven by appetite or wisdom? Guard: Set a boundary in one area of spending, consumption, or comparison this week Pray: “Lord, teach me to guard my desires, to walk with discipline, and to live for what truly lasts.” Mentioned in the Episode: Learn more at www.LegacyFinancialCoach.com

Episode 22 – Train the Next Generation, Don’t Burden Them Key Verses: Proverbs 22:1 – “A good name is to be chosen rather than great riches, and favor is better than silver or gold.” Proverbs 22:2 – “The rich and the poor meet together; the Lord is the Maker of them all.” Proverbs 22:6 – “Train up a child in the way he should go; even when he is old he will not depart from it.” Proverbs 22:7 – “The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:26–27 – “Be not one of those who give pledges… if you have nothing with which to pay, why should your bed be taken from under you?” Overview: In Episode 22, Greg Carroll brings us into the rich wisdom of Proverbs 22 with a focus on legacy, debt, and discipleship. It’s not just about what you leave behind—it’s about who you are becoming and what you’re modeling. This episode challenges listeners to prioritize character over cash, discipline over debt, and generational wisdom over momentary gain. What You’ll Learn: Why a good name is more valuable than a big portfolio The spiritual and practical dangers of debt and co-signing How financial discipline today shapes your children’s future What it looks like to train—not just teach—the next generation How to build a legacy that’s rooted in biblical values, not just wealth Take Action: Reflect: Are you pursuing riches at the expense of your name or values? Evaluate: Where is debt holding you back or impacting your peace? Apply: Identify one habit or decision that models financial wisdom to your family Pray: “Lord, help me value character over comfort, freedom over appearance, and legacy over lifestyle.” Mentioned in the Episode: Biblical financial coaching and resources at www.LegacyFinancialCoach.com

Episode 21 – The Why Matters Key Verses: Proverbs 21:2 – “Every way of a man is right in his own eyes, but the Lord weighs the heart.” Proverbs 21:3 – “To do righteousness and justice is more acceptable to the Lord than sacrifice.” Proverbs 21:5 – “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Proverbs 21:13 – “Whoever closes his ear to the cry of the poor will himself call out and not be answered.” Proverbs 21:30–31 – “No wisdom, no understanding, no counsel can avail against the Lord. The horse is made ready for the day of battle, but the victory belongs to the Lord.” Overview: In Episode 21, Greg Carroll unpacks Proverbs 21 and asks a heart-level question: Why are you pursuing financial growth? This episode challenges listeners to examine their motives, slow down their hustle, open their ears to the needs of others, and submit their plans to God’s purpose. At the core of biblical stewardship is not performance—but posture. What You’ll Learn: Why God cares more about motives than money How hasty decisions undermine long-term abundance What generosity reveals about your relationship with money and grace Why real success comes not from control but surrender Take Action: Reflect: Are you pursuing wealth from a place of peace—or fear and pride? Ask: Is generosity something you model—or something you avoid? Recalibrate: Surrender your outcomes to God and focus on obedience, not optics Pray: “Lord, weigh my heart. Purify my motives. Teach me to walk in quiet obedience—and trust You for the victory.” Mentioned in the Episode: Coaching and practical tools at www.LegacyFinancialCoach.com

Episode 20 – Private Integrity, Public Peace Key Verses: Proverbs 20:7 – “The righteous who walks in his integrity—blessed are his children after him!” Proverbs 20:10 – “Unequal weights and unequal measures are both alike an abomination to the Lord.” Proverbs 20:13 – “Love not sleep, lest you come to poverty; open your eyes, and you will have plenty of bread.” Proverbs 20:18 – “Plans are established by counsel; by wise guidance wage war.” Proverbs 20:27 – “The spirit of man is the lamp of the Lord, searching all his innermost parts.” Overview: In Episode 20, released on his 56th birthday, Greg Carroll invites listeners to reflect on the lasting impact of integrity. Drawing wisdom from Proverbs 20, he unpacks how private obedience shapes public peace, and how faithfulness in the small, unseen choices can bless future generations. Whether you’re struggling with hidden compromises or simply feeling stuck, this episode is a call to quietly build a legacy rooted in honesty, discipline, and surrender. What You’ll Learn: Why integrity isn’t about image—it’s about unseen consistency How small compromises lead to spiritual and financial instability Why discipline and preparation produce more peace than avoidance How God honors truthfulness even when it’s costly The importance of wise counsel in making lasting plans Take Action: Identify a private habit or pattern you need to bring into the light Reflect on where you’re tempted to compromise integrity to get ahead Ask: Who is speaking into your financial life before you make key decisions? Pray: “Lord, search my heart. Shape my habits. Help me live with integrity that produces peace for generations.” Mentioned in the Episode: For support and financial coaching, visit www.LegacyFinancialCoach.com

Episode 19 – Patience, Discipline, and Following Through Key Verses: Proverbs 19:2 – “Desire without knowledge is not good, and whoever makes haste with his feet misses his way.” Proverbs 19:3 – “When a man’s folly brings his way to ruin, his heart rages against the Lord.” Proverbs 19:8 – “Whoever gets sense loves his own soul; he who keeps understanding will discover good.” Proverbs 19:20 – “Listen to advice and accept instruction, that you may gain wisdom in the future.” Proverbs 19:21 – “Many are the plans in the mind of a man, but it is the purpose of the Lord that will stand.” Overview: In Episode 19, Greg Carroll delivers a compelling call to action: if you want financial peace, you must prepare for battle. Using Proverbs 19 as a foundation, this episode highlights how desire without discipline is dangerous, how foolishness masquerades as urgency, and how God’s purpose often shows up through surrendered plans and faithful follow-through. What You’ll Learn: Why desire isn’t enough—you need wisdom, knowledge, and patience How personal accountability is a spiritual issue, not just a financial one The importance of listening, applying, and sticking with godly wisdom Why God’s purpose—not your plan—is the true path to provision and peace Take Action: Slow down. Where have you been rushing financially without preparation? Own your past mistakes. What self-inflicted chaos do you need to confess? Apply what you’ve already heard—don’t just consume wisdom, live it Surrender your plans and let God guide the path Pray: “Lord, help me value wisdom over speed, correction over comfort, and Your purpose over my own plan.” Mentioned in the Episode: Financial coaching and resources at www.LegacyFinancialCoach.com

Episode 18 – Foundations, Friendships, and Financial Words Key Verses: Proverbs 18:1 – “Whoever isolates himself seeks his own desire; he breaks out against all sound judgment.” Proverbs 18:4 – “The words of a man’s mouth are deep waters; the fountain of wisdom is a bubbling brook.” Proverbs 18:13 – “If one gives an answer before he hears, it is his folly and shame.” Proverbs 18:21 – “Death and life are in the power of the tongue, and those who love it will eat its fruits.” Proverbs 18:10 – “The name of the Lord is a strong tower; the righteous man runs into it and is safe.” Overview: In Episode 18, Greg Carroll explores how Proverbs 18 speaks to more than money—it speaks to mindset, community, and the foundation we build our lives on. Financial stewardship isn’t just about math. It’s about how we think, what we say, and who we trust. This episode challenges listeners to reject isolation, speak life, and anchor their financial journey in God—not circumstances. What You’ll Learn: Why financial isolation leads to poor judgment and unnecessary struggle How the words you speak about money shape your mindset and decisions The difference between reacting emotionally and responding with wisdom Why your financial foundation must be spiritual before it’s practical Take Action: Reflect: Are you keeping financial struggles to yourself when you need wise counsel? Evaluate: What words are you speaking over your finances—defeat or truth? Reroute: Are you leaning more on money or on the Lord as your security? Pray: “Lord, help me reject isolation, speak words of life, and build my financial foundation on You—not on false security.” Mentioned in the Episode: Financial coaching and support at www.LegacyFinancialCoach.com

Episode 17 – Peace Is the Real Profit Key Verses: Proverbs 17:1 – “Better is a dry morsel with quiet than a house full of feasting with strife.” Proverbs 17:3 – “The crucible is for silver, and the furnace is for gold, and the Lord tests hearts.” Proverbs 17:14 – “The beginning of strife is like letting out water, so quit before the quarrel breaks out.” Proverbs 17:27 – “Whoever restrains his words has knowledge, and he who has a cool spirit is a man of understanding.” Overview: In Episode 17, Greg Carroll explores the wisdom of Proverbs 17 and the deep connection between peace, humility, and financial harmony. From quiet homes to calm hearts, this episode reminds us that the real profit isn’t in how much we make—it’s in how we live, love, and lead under pressure. Finances may test us, but God is ultimately after our hearts. What You’ll Learn: Why peace is more valuable than possessions How financial tension often reveals spiritual or relational issues What it means to “quit before the quarrel breaks out” in money conversations Why restraint, understanding, and emotional control are keys to wise money management Take Action: Reflect: Is your money stress rooted in numbers—or in the heart? Ask: How can you pursue peace instead of power in financial conversations this week? Practice: Use fewer words, more grace, and a cooler spirit in moments of tension Pray: “Lord, help me value peace over possessions, unity over control, and Your wisdom over my need to be right.” Mentioned in the Episode: Biblical financial coaching at www.LegacyFinancialCoach.com

Episode 16 – Surrender First, Success Second Key Verses: Proverbs 16:3 – “Commit your work to the Lord, and your plans will be established.” Proverbs 16:9 – “The heart of man plans his way, but the Lord establishes his steps.” Proverbs 16:16 – “How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.” Overview: In Episode 16, Greg Carroll reflects on Proverbs 16 and the deep connection between surrender, wisdom, and true financial success. While the world rewards hustle and control, God calls us to submit our plans, follow His steps, and pursue wisdom over wealth. This episode is a powerful reminder that peace comes not from perfect strategy—but from a heart aligned with God’s will. What You’ll Learn: Why surrender is the starting point for peace and progress How planning is important—but must remain flexible to God’s direction Why wisdom is more valuable than income, milestones, or material gain How your financial decisions reflect your trust—or lack of trust—in God Take Action: Review your current financial goals: Have you committed them to God in prayer? Consider where you may be clinging to control instead of following God’s lead Ask yourself: Are you prioritizing wisdom—or chasing temporary wealth? Pray: “Lord, I surrender my plans. Help me follow Your steps. Give me wisdom before wealth, and peace before profit.” Mentioned in the Episode: Blog post: More Money is Not the Answer to Your Problems - https://www.legacyfinancialcoach.com/post/more-money-is-not-the-answer-to-your-problems Financial coaching support at www.LegacyFinancialCoach.com

Episode 15 – Wiser With Help, Richer With Less Key Verses: Proverbs 15:16 – “Better is a little with the fear of the Lord than great treasure and trouble with it.” Proverbs 15:22 – “Without counsel plans fail, but with many advisers they succeed.” Proverbs 15:27 – “Whoever is greedy for unjust gain troubles his own household, but he who hates bribes will live.” Overview: In Episode 15, Greg Carroll unpacks the wisdom of Proverbs 15, revealing how true financial peace isn’t tied to your bank account, but to your posture—before God and with others. This episode calls out the dangers of isolation, the subtle destruction of greed, and the surprising richness that comes from simplicity and surrender. What You’ll Learn: Why less can truly be more when it’s paired with the fear of the Lord How inviting wise counsel multiplies financial clarity and peace The hidden cost of greed and how it sabotages households from the inside out Why surrender, humility, and biblical priorities lead to lasting success Take Action: Identify an area where you’re trying to figure things out alone—who could you invite in? Reflect on whether your current goals are driven by the fear of the Lord or fear of missing out Examine whether greed is subtly shaping your decisions or priorities Pray: “Lord, help me love wisdom more than wealth, counsel more than control, and You more than anything else.” Mentioned in the Episode: Coaching, guidance, and resources at www.LegacyFinancialCoach.com BankRate Survey - Money and Mental Health - https://www.bankrate.com/banking/money-and-mental-health-survey/?sub-id=kiplinger-us-1046148456037043182

Episode 14 – No Mess, No Mission, No Harvest Key Verses: Proverbs 14:4 – “Where there are no oxen, the manger is clean, but abundant crops come by the strength of the ox.” Proverbs 14:8 – “The wisdom of the prudent is to discern his way, but the folly of fools is deceiving.” Proverbs 14:15–16 – “The simple believes everything, but the prudent gives thought to his steps.” Proverbs 14:23 – “In all toil there is profit, but mere talk tends only to poverty.” Overview: In Episode 14, Greg Carroll unpacks the gritty wisdom of Proverbs 14—revealing how lasting fruit, financial peace, and purpose require intentionality, hard work, and a willingness to embrace the mess that comes with meaningful growth. If you’re tired of shallow promises and ready for real progress, this episode is your call to action. What You’ll Learn: Why fruitful living always involves some mess—and why that’s okay The difference between impulsive decisions and prudent pauses How our culture’s shortcuts and gimmicks contrast with biblical wisdom Why honest, diligent work always produces spiritual and financial return How to discern worldly noise from God’s voice Take Action: Identify where you’re avoiding hard work because it looks too messy Pause before your next big financial move—sleep on it, seek counsel, pray Move from talk to action in one key area of your finances this week Pray: “Lord, help me value discipline over ease, wisdom over reaction, and Your truth over the world’s shortcuts.” Mentioned in the Episode: Coaching, tools, and biblical financial guidance at LegacyFinancialCoach.com

Episode 13 – Rich in What Matters Key Verses: Proverbs 13:7 – “One pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth.” Proverbs 13:11 – “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Proverbs 13:20 – “Whoever walks with the wise becomes wise, but the companion of fools will suffer harm.” Proverbs 13:22 – “A good man leaves an inheritance to his children’s children…” Overview: In Episode 13, Greg Carroll walks through one of the most wisdom-packed chapters in Proverbs and challenges listeners to reconsider what it means to be truly wealthy. It’s not about image, quick wins, or status—it’s about living wisely, walking with the right people, and leaving a lasting legacy. This episode casts a long-term vision for freedom and generational impact. What You’ll Learn: Why pretending to be rich often leads to emptiness How true wealth is built slowly, intentionally, and faithfully Why your circle of influence shapes your financial future What legacy really means—and how you’re shaping it every day Practical questions to help you course-correct and focus on what truly matters Take Action: Reflect: Are you chasing freedom or the appearance of wealth? Identify: What shortcut are you tempted by? Evaluate: Who are your financial influences—are they wise? Act: Take one step toward legacy—whether it’s saving, giving, or teaching someone you love Pray: “Lord, help me live rich in what matters—not what impresses. Shape me into a person of legacy, not just lifestyle.” Mentioned in the Episode: Discover more at LegacyFinancialCoach.com

Episode 12 – Discipline Over Desire Key Verses: Proverbs 12:11 – “Whoever works his land will have plenty of bread, but he who follows worthless pursuits lacks sense.” Proverbs 12:15 – “The way of a fool is right in his own eyes, but a wise man listens to advice.” Proverbs 12:24 – “The hand of the diligent will rule, while the slothful will be put to forced labor.” Overview: In Episode 12, Greg Carroll delivers a challenge straight from Proverbs 12: build a financial life rooted in discipline—not desire. The message is simple but sharp: stop chasing shortcuts, start cultivating what’s in front of you, and embrace wise counsel. This episode is a powerful call to ditch the fantasy of overnight success and lean into the long game of financial peace. What You’ll Learn: Why chasing “worthless pursuits” leads to frustration instead of fruit How teachability accelerates financial growth The connection between diligence, margin, and peace What it means to “work your land” in your current season Why humble consistency outpaces flashy strategy every time Take Action: Identify your “land”—your current responsibilities, income, and opportunities Ask yourself: Am I teachable, or trying to do it all my own way? Pinpoint one area this week where diligence needs to replace desire Pray: “Lord, help me stay faithful in the work You’ve given me. Help me choose diligence, wisdom, and humility over shortcuts and pride.” Mentioned in the Episode: Coaching and guidance at LegacyFinancialCoach.com