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: