13:22 Life with Bri Smith, CPA cover art

13:22 Life with Bri Smith, CPA

13:22 Life with Bri Smith, CPA

By: Bri Smith CPA
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13:22 Life was created for those that want to let God's wisdom guide their lives and finances. Proverbs 13:22,ESV says: A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous. It's hosted by Bri Smith who is a Certified Public Accountant and Wealth Strategist. Bri is on a mission to help millions of families to create and build generational wealth in her lifetime. Bri has several years of experience as an accountant managing the money of the wealthy and has won in her own finances by selling the 1st home that she purchased at 21 for a 6 figure profit! From being a single teenage mom sharing a twin size bed with her baby to being a homeowner at 21 and now a wife and mom of 4 she has picked up a ton of tools and strategies to help you win with money from her life and profession. Join Bri each week for a new episode packed with what you need to know to gain clarity, create wealth, and build a legacy.

For more resources and to connect with Bri go to BDSmithFinancial.com

Follow Bri on IG: @bri_dsmith and tik tok: @bri_dsmith, on facebook at facebook.com/bdsmithfinancial

B.D. Smith Financial Services, LLC 2023
Economics Personal Development Personal Finance Personal Success
Episodes
  • Thorn Letters Episode 3: Marriage Struggles, Retail Therapy & Starting Over at 44
    May 14 2026

    In this episode of 13:22 Life (Season 3, Episode 3), Bri answers five thorn letters about marriage struggles, financial selfishness, retail therapy, loneliness, and starting over at 44.

    📬 LETTERS WE ANSWER:

    1. “My wife wants a separation 4 months after marriage – and we’re in the middle of buying a house.” – Red flags, emotional distance, and a $10k non‑refundable deposit. Bri’s advice: don’t buy the house, and prepare for an annulment.

    2. “My husband spends all his fun money AND our grocery budget – leaving me to cover essentials.” – Combined finances falling apart. Bri says: have a stern conversation, get a counselor, and stop letting selfish behavior slide.

    3. “I struggle with financial discipline – retail therapy when I’m depressed.” – Removing apps doesn’t work. Bri recommends real therapy, healthy outlets (walking, free streaming), and creating new habits.

    4. “I’m a 24‑year‑old scientist with no friends, no partner, and an empty life. Should I start over with a new career?” – Bri’s answer: your job isn’t the problem. You need people and God. Find community, hobbies, and a church.

    5. “44, single, self‑employed, just ended a 2‑year relationship. Should I sell my beach house (doubled in value) and start over?” – Bri says: not crazy. You’re lonely and have no wife/kids – shake it up. Travel, move overseas, or find a remote role.

    🙏 Opening and closing prayers included.

    ✉️ SUBMIT YOUR OWN THORN LETTER:

    Go to 1322life.com – anonymous or first name only.

    📲 CONNECT:

    Website: www.1322life.com

    Instagram: @brismithcpa

    #1322Life #ThornLetters #MarriageAdvice #FinancialInfidelity #RetailTherapy #Loneliness #StartingOver #ChristianPodcast

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    29 mins
  • Thorn Letters: Co‑Signing, Inheritance Drama & Coming Back to God
    May 11 2026

    In this episode of 13:22 Life (Season 3, Episode 2), Bri Smith answers four thorn letters – real financial and spiritual struggles from listeners (and Reddit).

    📬 LETTERS WE ANSWER:

    1. “Was I wrong for not co‑signing a car for my brother?” – We go straight to Proverbs. Four times God says: do not co‑sign. Run like a gazelle.

    2. “AITA for refusing to pay for my sister’s husband’s surgery with my inheritance/college money?” – She spent her inheritance on cars and home renovations. Now she wants yours. Bri’s answer: No. She can sell her upgrades.

    3. “Should I make my parents pay me back $100k for college if they want a relationship?” – They paid for your brothers but not you. Bri talks forgiveness, family, and what really matters before it’s too late.

    4. “I feel like a stranger to God and don’t know how to come back.” – Depression, guilt, drifting away. Bri shares her own story: losing her grandmother, turning away from God, and the messy journey back.

    🙏 Opening and closing prayers included.

    ✨ KEY SCRIPTURES:

    Proverbs 6:1-5, Proverbs 11:15, Proverbs 17:18, Proverbs 22:26-27, The Prodigal Son (Luke 15)

    ✉️ SUBMIT YOUR OWN THORN LETTER:

    Go to 1322life.com – anonymous or first name only. We want to hear what’s really hurting your finances and your walk with God.

    📲 CONNECT:

    Website: www.1322life.com

    Instagram: @brismithcpa

    #1322Life #ThornLetters #ChristianPodcast #PersonalFinance #CoSigning #Inheritance #Forgiveness #ProdigalSon

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    29 mins
  • Thorn Letters: $50k Weddings, Hiding Money & When to Say No to Family
    May 8 2026

    Welcome back to 1322 Life – Season 3, Episode 1. We’re trying something new: THORN LETTERS.

    What’s a thorn letter? You tell us your financial struggle (that “thorn in your side”), and we answer it God’s way. In this premiere episode, we cover FIVE real questions from Reddit and online.

    📬 LETTERS WE ANSWER:

    1. “Are my ambitions for wealth and a good career compatible with serving Christ?” – A 29‑year‑old chemical engineer fears making her career an idol. Bri redefines success: “Well done, my good and faithful servant.”

    2. “Am I wrong for hiding $12,000 from my spouse?” – Six years of marriage, one spender, one saver. Bri calls this financial infidelity and says: be honest, don’t be a coward.

    3. “Constant fights about money with my soon‑to‑be husband – $50k wedding, 50/50 split, feeling exhausted.” – Bri’s hot take: $50k for a wedding is “insane.” You’re playing house, not married. Get counseling before you spend another dollar.

    4. “How do I say no to family who will need financial support because of bad choices?” – Mom (78) and brother (39) have 9 months of runway left. Bri’s advice: have the hard conversation NOW, not when they’re evicted.

    5. “My husband earns 2x more but wants to split everything equally.” – Bri’s answer: “We don’t split. Roommates split. Married couples become one – ‘ours,’ not ‘mine.’”

    🙏 Opening and closing prayers included.

    ✨ KEY SCRIPTURE: Proverbs 13:22 – “A good man leaves an inheritance for his children’s children.”

    ✉️ SUBMIT YOUR OWN THORN LETTER:

    Go to 1322life.com – anonymous or first name only. Let us know what’s that thorn in your side.

    📲 CONNECT:

    Website: www.1322life.com

    Instagram: @brismithcpa

    #1322Life #ThornLetters #ChristianPodcast #PersonalFinance #MoneyAndMarriage #GenerationalWealth #Season3Premiere

    Show More Show Less
    44 mins
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