Pearls of Wisdom with Ebony Sade

Ebony Sade A

Welcome to Pearls of Wisdom with Ebony Sade — a faith-filled podcast where timeless truths nurture the heart of your purpose, your family, and the legacy you’re building. Each episode uncovers divine treasures hidden in everyday life — reminding us that your family is the field where God plants His greatest treasures, and sometimes, the answers we’re searching for are hidden in the pages of a book we haven’t read yet. Join Ebony Sade as she shares powerful reflections, biblical insights, and conversations that inspire faith, family, and freedom. thrivewithebonysade.substack.com

  1. Oct 6

    Stop Managing Your Family Money From Memory

    A simple family money system for getting recurring financial tasks out of your head without giving up oversight. Have you ever realized how much of your family’s money system is living in your head? Did I move the savings? Did that bill get paid? Did we set money aside for the goal? Did the investment transfer happen? Did I remember to move money where it was supposed to go? None of those things seem huge on their own. But when you’re already managing a home, children, work, business, appointments, meals, projects, and everything else family life brings, they become one more collection of things you’re responsible for remembering. And I’ve been thinking: Maybe good stewardship doesn’t always mean paying closer attention to every little thing. Sometimes it means building a system that remembers the repetitive things for you. That doesn’t mean ignoring our money. It means deciding ahead of time what should happen repeatedly so we don’t have to keep making the same decision over and over again. This is where stewardship meets real life. 💎 Pearl of Wisdom: A good money system should remember what needs to happen so you don’t have to. This week in Pearls of Wisdom, I’m using a simple framework: MONEY IN → ASSIGN → AUTOMATE → CHECK → ADJUST Let’s walk through it. 💰 MONEY IN Start by knowing where your family’s money is coming from. For some families, that’s straightforward. For others, there may be several streams: Paychecks. Business income. Affiliate income. Publishing income. Creator income. Investment income. Side-business income. Irregular income. Before we tell money where to go, we need to understand what is actually coming in and when. This doesn’t need to become an elaborate spreadsheet. Start with a notebook. Write: MONEY IN Then list the regular ways money enters your household. Sometimes simply getting the information out of your head and onto paper makes the next step much easier. ✏️ ASSIGN This part happens before we automate anything. Because automation without intention is just money moving around. First, we decide: What do we want this money to do? We’ve been using another simple Thrive framework for this: BILLS → SPEND → SAVE → SEED → SHARE BILLS take care of our responsibilities. SPEND gives us room to use and enjoy some of our money. SAVE prepares us for what’s ahead. SEED helps us build something—a business, investment, skill, project, or opportunity. SHARE creates room for generosity. Your percentages don’t have to look like another family’s. That’s not the point. The important part is deciding what the money is responsible for before everything starts competing for it. ⚙️ AUTOMATE Now we get to ask one of my favorite questions: Which decisions can the system make for us? Think about the things you do repeatedly. Paying the same bill. Moving money into savings. Adding money to a sinking fund. Making an investment contribution. Setting aside money for a family goal. Recurring giving. If you’ve already decided that something should happen every month, ask whether you really need to manually make that decision twelve times a year. Maybe you don’t. But here’s the part I want to emphasize: Don’t automate everything this weekend. Start with one predictable, repetitive task. Maybe it’s a $25 savings transfer. Maybe it’s one bill. Maybe it’s an investment contribution. Maybe it’s money you’re setting aside for something your family is building. Set up one thing. Make sure it works. Then build from there. Simple systems are much easier to maintain than complicated systems we abandon two weeks later. 👀 CHECK Automation doesn’t mean: “Set it and forget it forever.” We’re still responsible for knowing what’s happening with our money. Bills change. Income changes. Subscriptions increase. Family goals change. Businesses have different seasons. Life happens. The goal is to change our role from: constantly moving the money to: regularly reviewing the system. Maybe that’s a quick weekly check. Maybe your family sits down twice a month. Maybe you have a more thorough monthly money meeting. Choose a rhythm you can actually maintain. Automation handles the repetition. You still provide the judgment. 🔄 ADJUST This may be one of the most important pieces. A system that worked for your family six months ago may not work today. And that’s okay. Maybe income increased. Maybe income decreased. Maybe you’re paying something off. Maybe you’re preparing for a trip. Maybe your child started a new activity. Maybe you’re investing more heavily in the family business. Maybe you’ve reached a savings goal and that money now needs another assignment. The answer isn’t necessarily to throw away the system. Change the instructions. That’s why this isn’t a straight line that ends at ADJUST. It’s a rhythm: MONEY IN → ASSIGN → AUTOMATE → CHECK → ADJUST ↻ Then you go around again as your family grows. 🎨 This Week’s Pearl Map This is the framework I’m turning into this week’s Procreate Pearl Map: 💰 MONEY IN↓✏️ ASSIGN↓⚙️ AUTOMATE↓✓ CHECK↓↻ ADJUST And underneath it: Let the system carry the repetition. Let the family provide the wisdom. I love this because it started as the kind of thing I would scribble into my notebook—words, arrows, little symbols—and now it can become something our family can actually see and use. That’s part of what I’m building here at Thrive: ONE PEARL → ONE VISUAL → ONE TEACHING → ONE TOOL Create it once. Steward it further. 🏡 Why This Is About More Than Paying Bills This is where Legacy Stewardship enters the conversation. I don’t only want our girls to inherit money someday. I want them to understand what to do with money when it reaches their hands. How do I assign it? How do I prepare? How do I save? How do I invest? How do I give? How do I build something? How do I know when the system needs to change? Those are skills they can carry long after they leave our home. Sometimes the legacy isn’t only the asset. It’s the system and wisdom you teach alongside it. 📝 Reflect & Lead Take a few minutes with your notebook and ask: * What financial task do I keep trying to remember? * Which money decision am I making repeatedly that could be made once? * Which part of BILLS → SPEND → SAVE → SEED → SHARE could safely be automated? * What should remain manual because it requires our attention or judgment? * What money system do I want our children to understand before they leave home? Don’t turn this into a complete financial overhaul. Look for one place where structure could create more peace. 🏡 Family Stewardship Challenge This week: Don’t automate ten things. Automate one. Ask yourself: “What money task do I keep trying to remember that could safely happen automatically?” Choose one. Set it up. Then—and this part matters—schedule when you’ll review it. We’re not trying to build a complicated financial machine. We’re building a system that helps us steward what we have without carrying every recurring task in our heads. 📖 Faith in Action Before changing anything, pray over your family’s finances. Ask God for wisdom about what needs your attention and what simply needs better structure. Then take one faithful next step. It doesn’t have to be dramatic to matter. Sometimes stewardship looks like making one wise decision today that your future self won’t have to remember tomorrow. 🎥 Watch This Week’s Pearls of Wisdom If you’d like to hear the full conversation, this week’s Pearls of Wisdom episode is: How to Automate Your Family Finances So You Stop Managing Everything Manually [WATCH ON YOUTUBE →] 🌿 Start Here With Thrive New here? Start with Thrive:Why I Write Here—and Who This Space Is For Thrive is where we’re learning to steward faith, family, home, money, business, creativity, experiences, and legacy with a little more intention and a lot less pressure. You’re welcome to pull up a seat at the Thrive Stewardship Table. ✏️ Tools From My Planning Table These are some of the tools I use to get ideas out of my head, map our systems, and turn those rough thoughts into something useful. 📓 Planning NotebookPlanning Notebook ✒️ Kakuno Fountain PenKakuno Fountain Pen ✏️ Apple PencilApple Pencil 📱 iPad MiniiPad Mini 🖥️ PaperLike Screen ProtectorPaperLike Screen Protector 🎨 ProcreateI use Procreate to turn my notebook sketches into visual notes, Pearl Maps, family stewardship systems, and future Thrive resources. Disclosure: As an Amazon Associate, I earn from qualifying purchases at no additional cost to you. 💰 Money Tools We Use 🌱 AcornsAcorns 📈 FidelityFidelity These are tools we use in our own money system, not a requirement for building yours. Start with the banking and automation tools you already have. Faith. Family. Structure. Stewardship. One pearl at a time. Until next time… keep thriving. Pearls of Wisdom is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    Stop Managing Your Family Money From Memory
  2. Sep 28

    The Money You Meant to Save Needs a Job

    Have you ever told yourself: “This month, I’m going to save that money.” And you meant it. Then life happened. A grocery run cost more than expected. Someone needed something. You grabbed dinner because the day got away from you. You saw something online that would be really useful. A few small purchases came out. Then you checked the account and thought: Wait… where did the money go? I know that feeling. And I don’t think the answer is always that we’re terrible with money or need to stop spending everything. Sometimes the problem happens before we spend anything at all. We never gave the money clear instructions. We knew we wanted to “save more.” But the money was still sitting there looking available. And available money has a funny way of finding something to do. 😂 This is where stewardship meets real life. I’m learning that if we want to stop spending the money we meant to save, we need to decide what our money is responsible for before everything starts competing for it. That’s why I’ve been thinking about five simple places for our money: BILLS → SPEND → SAVE → SEED → SHARE Not because every family needs the same percentages. Not because I think there is one perfect budgeting formula. But because I want our family—especially our girls—to understand: Money needs direction. 💎 Pearl of Wisdom: Give your money a job before life gives it one for you. BILLS — Take Care of What You’re Responsible For Before we talk about saving, investing, giving, or enjoying money, there are responsibilities sitting in front of us. Housing. Utilities. Insurance. Groceries. Transportation. Household needs. Those things aren’t particularly exciting. Nobody is posting: Woohoo! Paid the electric bill! 😂 But this is stewardship too. BILLS represent the things we’ve already committed to taking care of. And I want our girls to understand that money isn’t only about what we want. Part of managing money well is learning to take care of what has already been placed in our hands. Try this: Before deciding what you have available to spend, identify what the money is already responsible for. That number isn’t really available money. It already has a job. SPEND — Enjoy Some of It on Purpose I don’t want our children growing up believing that good money management means: Never spend anything. Money can be enjoyed. Dinner out. Books. Art supplies. A family experience. Something for the house. A little treat just because. That’s why SPEND belongs in the system. The issue isn’t that we spend money. The problem comes when SPEND starts stealing from all the other categories. That $40 purchase might seem harmless. And maybe it is. But if the $40 came from money we already decided was for Christmas, an emergency fund, a business project, or something else we’re preparing for, then we didn’t simply spend $40. We reassigned money that already had a job. That’s a different conversation. Try this: Give yourself some money that is actually allowed to be spent. Then you don’t have to feel guilty every time you enjoy something. You know: This money was given the job of SPEND. SAVE — Stop Saving Whatever Is Left This may be the biggest shift. A lot of us have probably said: “I’ll save whatever is left at the end of the month.” Then the end of the month arrives. And apparently the money received other instructions. 😂 That’s why I’m becoming much more interested in saving before spending gets the opportunity to claim everything. Emergency fund. Christmas. Family trip. Home repair. Future purchase. Whatever you’re preparing for. Give it a name. Because: “I’m saving $100” doesn’t feel quite the same as: “This $100 is for our emergency fund.” The amount hasn’t changed. But now the money has an assignment. Try this: Choose one savings goal. Not ten. Give it a name. Choose an amount. And, if possible, move it somewhere separate from everyday spending. Because if tomorrow’s money keeps sitting beside today’s spending money, we’re asking ourselves to keep making the same decision over and over again: Don’t touch it. Structure can make that decision easier. SEED — Some Money Should Build Something This is one of my favorite conversations to have with our girls. Not every dollar needs to be consumed. Some dollars can be planted. A book. A business idea. Education. A skill. Supplies. Equipment. A creative project. An investment. Something that could create value later. That’s SEED money. And this matters deeply to me because I want our girls to understand the difference between: buying something and building something. Sometimes both require spending money. But they’re not necessarily doing the same job. Buying another item might give us something today. Putting money toward a skill, tool, business, book, or asset may help us create something tomorrow. That doesn’t mean every business purchase is automatically wise. Seeds still have to be planted carefully. Try this: Before making a purchase connected to something you’re building, ask: “What is this money supposed to help grow?” If you can’t answer that clearly, maybe it isn’t SEED money yet. SHARE — Leave Room for Generosity Then there’s another job I don’t want us to forget: SHARE. Giving. Helping. Supporting meaningful work. Blessing someone. Meeting a need when we’re able. I don’t want our girls to believe the goal of money management is simply: Get as much as possible and keep as much as possible. Stewardship asks a bigger question: What can we do with what has been placed in our hands? Sometimes the answer is provide. Sometimes prepare. Sometimes build. Sometimes enjoy. And sometimes we get to help someone else. Try this: Let generosity become something your children actually see. It doesn’t have to be a huge amount. Let them participate in choosing something your family can give, support, or share. We’re not only teaching them what money can buy. We’re teaching them what money can do. So How Does This Help Us Stop Spending Our Savings? This is where the five jobs come together. Imagine $1,000 comes into your household. Without a plan, your brain sees: $1,000 available. But once you give that money instructions, you see something completely different: BILLS → this portion already belongs to our responsibilities. SPEND → this portion is available to enjoy. SAVE → this portion belongs to something we’re preparing for. SEED → this portion is helping us build something. SHARE → this portion has been set aside for generosity. Now when you’re tempted to pull $50 out of savings, the question isn’t simply: “Do I have $50?” The better question becomes: “Which job am I taking this $50 away from?” That’s powerful. Because sometimes the answer may still be: Yes. We need to move the money. Life happens. Priorities change. Emergencies happen. A family budget should be able to respond to real life. But now you’re making an intentional reassignment instead of wondering at the end of the month where everything went. That’s stewardship. “Not Now” Is a Money Decision Too There’s one more phrase I want our girls to become comfortable hearing: Not now. Not: “We can’t afford it.” when we actually can. Not: “We never get anything.” Not: “Money is too tight.” Sometimes we have the money. We simply gave it another job. That means we can say: “Yes, we technically have enough money to buy that. But that money is helping us prepare for something else, so we’re choosing not to buy it right now.” I love the lesson inside that. Having money doesn’t require spending it. And being able to buy something doesn’t automatically make buying it the wisest decision. Sometimes stewardship looks like enjoying. Sometimes stewardship looks like investing. Sometimes stewardship looks like giving. And sometimes stewardship simply sounds like: Not now. Reflect & Lead Take a few minutes this week and ask yourself: * Which receives the most attention in our home right now: BILLS, SPEND, SAVE, SEED, or SHARE? * Which one tends to get whatever is left? * What money have we said we’re saving without giving it a specific purpose? * What are we currently trying to build that may deserve some SEED money? * Where could a simple “not now” protect something we’ve already decided matters? Don’t use these questions to judge where your family is. Different seasons require different things. A family rebuilding after a difficult season may need most of its money going toward BILLS. Another family may finally be rebuilding SAVE. Another may have room to SEED a family business. Another may be learning to SHARE more intentionally. The goal isn’t identical percentages. The goal is knowing what you’re asking your money to do. Faith in Action Before your next money decision, take a moment to pray for wisdom. James 1:5 reminds us that if we lack wisdom, we can ask God. Then look at: BILLS → SPEND → SAVE → SEED → SHARE Choose the area that needs more intentionality in your family right now. Don’t overhaul your entire financial life this weekend. Choose one faithful next step. Maybe that’s moving $25 into savings. Maybe it’s paying something you’ve been putting off. Maybe it’s choosing not to make a purchase. Maybe it’s putting a small amount toward a business idea. Maybe it’s giving. Small decisions still count. Family Field Question Put these five words in front of your family: BILLS → SPEND → SAVE → SEED → SHARE Then ask: “If $100 came into our family today, how could we divide it between these five jobs?” There doesn’t have to be one correct answer. Listen to how your children think. Ask them why. You may end up having a much richer money conversation than if you simply told them: “You need to save your money.” Because we’re not only trying to raise children who know how to save. We’re trying to raise child

    The Money You Meant to Save Needs a Job
  3. Sep 22

    Money Is a Tool: How to Use It to Build What Matters to Your Family

    One of the easiest questions to ask when money comes into our hands is: “What can we buy?” I get it. Adults do this too. When we get some extra money, we start thinking about our Amazon cart, something we’ve been putting off, going out to eat, starting a new project, or buying something the kids want. But as our girls grow up, I realize I want to teach them more than just how to spend money. I want them to learn how to think about money. So now, I’m trying to bring a new question into our home: “What do we want this money to do?” Asking this question changes how we talk about money. Because money is a tool. And like any tool, we need to decide what job we want it to do. This is where stewardship becomes part of everyday life. 💎 Pearl of Wisdom: Before you decide where money should go, think about what you need it to do. Money Can Provide Some money needs to cover today. Food. Housing. Utilities. Transportation. Clothing. Household needs. These are the everyday things that keep our family going. I want our girls to see that this isn’t the “boring” side of money. Providing is one of money’s most important jobs. It’s valuable to look around your home and realize that groceries, electricity, school supplies, gas, and everything else all take resources. These things might not be as exciting as opening a new package, but they’re part of taking care of a family. That’s part of stewardship too. Money Can Prepare Some money isn’t meant to be used right away. This can be a hard lesson for both kids and adults. Sometimes the best job we can give a dollar is: Wait. Wait for an emergency. Wait for a future purchase. Wait for an opportunity. Wait because we don’t know what we’ll need yet. Preparing shows us that having money set aside can sometimes be more valuable than spending it right away. We’re not only asking: “Can we afford this today?” We’re also learning to ask: “What might we need to be ready for tomorrow?” This is where patience becomes part of managing money well. Money Can Build This is something I especially want to teach our girls. Money can help create more than a purchase. It can help build something. Maybe that’s buying supplies for a small family project. Investing in a skill. Buying materials to create something they can eventually sell. Purchasing a tool that helps someone do their work better. Supporting education. Or putting resources toward something the family wants to grow over time. This is where I hope our girls start to see money in a new way. A dollar doesn’t always have to turn into things. Sometimes it can be like planting a seed. Part of being wise is learning which seeds are worth planting. Money Can Give I don’t want our talks about money to focus so much on building wealth that we forget about being generous. Money can help somebody else. It can support a person. Meet a need. Bless someone quietly. Support meaningful work. Contribute to something we believe in. Giving reminds us that money is something we manage, not something that should control our hearts. And we don’t have to wait until we have a lot to be generous. We can practice it with what we already have. Money Can Enjoy And yes, money can be enjoyed too. I think it’s important for our girls to learn this as well. Not every dollar needs to be about sacrifice. Sometimes money pays for ice cream. Sometimes it helps us take a family trip. Sometimes it buys the art supplies simply because creating brings joy. Sometimes it lets us celebrate. Sometimes we save for something because we really want it. Enjoying money doesn’t mean you’re being irresponsible. The real question is whether enjoyment has become the only thing we use money for. There’s a difference between enjoying what we have and expecting every dollar to give us something right away. The Math Matters. But So Does the Conversation. Of course, our children eventually need to understand numbers. Income. Expenses. Saving. Percentages. Interest. Debt. Investing. All of that matters. But talking about money as a family isn’t just about math. It’s also about our priorities. Timing. Patience. Generosity. Preparation. Wisdom. And what we’re trying to build together. Two families could get the same amount of money and make totally different choices with it—not just because one is better at math, but because they’re asking their money to do different things. That’s why I want our girls to learn the thinking behind the numbers. Reflect & Lead Think about the money flowing through your family right now. Not what you wish you had. Start with what is actually in your hands. Ask yourself: * Which job is most of our money doing right now? * Are we providing for today while also preparing for tomorrow? * Are we intentionally using any of our resources to build? * Do both generosity and enjoyment show up in our family? * Do our children understand why we make certain money decisions, or do they only hear yes and no? You don’t have to make this a formal financial lesson. It can all start with just one conversation. Faith in Action Before your family makes the next non-routine money decision, pray for wisdom before deciding what to do. Then ask: What does our family need this money to do right now? Maybe the answer is provide. Maybe it’s prepare. Maybe it’s build. Maybe it’s give. Maybe it’s enjoy. Sometimes, the wisest choice is a mix of these. The goal isn’t to find one perfect formula for every dollar. It’s about being more intentional with what God has given us. Family Field Question Try this around the table this week: “If our family had an extra $100 today, what are five different jobs we could give that money?” Let everyone share their answer. You might be surprised by what your children say. Instead of correcting their answers right away, ask them why they chose what they did. That’s how the real money conversation can start. One Small Step This Week Take a piece of paper and write: PROVIDE | PREPARE | BUILD | GIVE | ENJOY Then choose one recent family expense and ask: Which job was that money doing? You don’t need a complicated finance curriculum for kids to get started. You just need a conversation. Because we’re not only teaching our children what money can buy. We’re teaching them what money can do. 💎 Money is a tool. Teach your kids how to use it before giving them the responsibility. Keep Growing With Me 🌿 Keep Growing This Week 📝 Read the deeper reflection on Substack:☕ Support Thrive — Buy Me a Pearl: ✏️ Tools From My Planning Table These are some of the tools I use while planning, teaching, creating visual maps, and building the systems I share here on Thrive with Ebony. 📓 Spiral Journal ✒️ Clictek Fountain Pen ✏️ Apple Pencil 📱 iPad Mini 🖥️ PaperLike Screen Protector Some links may be Amazon affiliate links. As an Amazon Associate, I may earn from qualifying purchases at no additional cost to you. 💰 Money Tools We Use 🌱 Acorns 📈 Fidelity These are tools our family uses as we continue learning about saving, investing, and giving money direction. Faith. Family. Structure. One pearl at a time. Until next time… Keep thriving. Pearls of Wisdom is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    Money Is a Tool: How to Use It to Build What Matters to Your Family
  4. Sep 14

    How to Divide Roles in a Family Business Without Doing Everything Yourself

    Have you ever had everybody say they’re helping, but somehow you’re still the one remembering everything? You notice what needs to be done. You assign it. You explain it. You follow up. You check it. And if it doesn’t get finished… you finish it. Technically, you had help. But mentally? You still owned the whole thing. I’ve been thinking about this a lot as we continue building things together as a family. Because whether we’re talking about home responsibilities, a family business, creative projects, or even something as simple as organizing supplies, there’s a big difference between helping and ownership. 💎 Helping is good. Ownership is better. Helping Still Leaves Someone in Charge When I say: “Can you help me with this?” the responsibility still belongs to me. I still have to remember that it needs to happen. I still have to ask. I still have to explain what I need. And usually, I still have to remember whether it got done. That’s fine sometimes. Families should help each other. But if everything works that way, one person eventually becomes the family’s walking reminder system. And that gets exhausting. Sometimes the solution isn’t getting everyone to do more. Sometimes the solution is getting clearer about: Who actually owns what? The WHO DOES WHAT? Map I wanted something simple enough to put in a notebook and actually use. So I created four questions: 1. What needs to happen? Name the actual responsibility. Planning. Content. Packing. Money. Supplies. Cleaning. Scheduling. Whatever applies to your family. 2. Who owns it? This is different from: “Who can help?” Who is the main person responsible for knowing that this needs to happen? 3. Who helps? Ownership doesn’t mean someone has to do everything alone. Maybe one person owns the task while another person supports part of it. 4. Does it need parent approval? This matters especially when children are involved. Money. Customer communication. Purchases. Publishing. Personal information. Anything involving safety or privacy. Those things stay with the adults. So the map becomes: WHAT → OWNER → HELP → APPROVAL Simple. Clear. No giant operations manual required. Give People a Lane They Can Actually Handle Everybody in the family doesn’t need the same level of responsibility. Age matters. Maturity matters. Skill matters. Interest matters. And some things should remain with the adults. Our children can learn responsibility, organization, creativity, entrepreneurship, and ownership without being handed adult burdens. That distinction matters to me. I don’t want to make our children tiny employees. I want to give them opportunities to grow. As they develop skills, we can give those skills somewhere to belong. A child who enjoys photography might eventually help with simple product photos. A child who loves organizing might help keep supplies in order. A child who loves creating might contribute artwork or ideas. The role can grow as the child grows. The system should serve the family. The family should not spend its life serving the system. That’s the stewardship piece. Structure isn’t about controlling everybody. Healthy structure should create more peace. If the Role Only Lives in Your Head, You Still Own It This one gets me too. Sometimes I think I’ve communicated something because I thought about it very clearly. Meanwhile, everybody else is happily going about their day. 😂 Then I’m wondering: “Why didn’t anybody know this needed to happen?” Well… Did I actually tell anybody? Or did I hold the entire meeting in my head? Writing things down creates clarity. It lets everyone see: This belongs to me. This belongs to you. This is where I help. This is where Mom or Dad still needs to approve. And sometimes a little clarity can prevent a whole lot of unnecessary frustration. Faith in Action This week I’ve been thinking about 1 Corinthians 14:40: * “Let all things be done decently and in order.” The verse has its own specific biblical context, but the principle of order makes me think about stewardship. Order does not have to mean rigidity. Structure doesn’t have to mean pressure. Sometimes structure is simply knowing: Who does what? And when expectations are clear, one person doesn’t have to silently carry everything. Reflect & Lead This week, choose one area that feels messy. Not the entire house. Not the entire business. One area. Then ask: What needs to happen?Who owns it?Who helps?Does it need parent approval? And then ask your family: * Is everybody clear about what belongs to them? You may discover that nobody was lazy. Nobody was trying to make your life harder. Everybody may have simply assumed somebody else had it. Sometimes peace needs a little clarity. 💎 Helping is good. Ownership is better. You can watch the full Pearls of Wisdom episode here: How to Divide Roles in a Family Business Without Doing Everything YourselfTHRIVE WITH EBONY If these conversations are helping your family build with more peace and structure, you can support Thrive through Buy Me a Pearl: BUY ME A PEARL Tools From My Planning Table These are a few of the simple tools I use while planning, organizing, and building behind the scenes. You don’t need any of them to use what I shared above, but if you’re curious about what’s actually on my planning table, I’ve linked them here. ✍🏾 Lamy Safari Fountain Pen: Lamy 📱 Other Thrive Planning Tools: Apple Pencil PaperLike Screen Protector Ipad Mini Some links may be Amazon affiliate links. As an Amazon Associate, I may earn from qualifying purchases at no additional cost to you. Faith. Family. Structure.One Pearl at a time.Until Next Time….. Keep Thriving Pearls of Wisdom is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    How to Divide Roles in a Family Business Without Doing Everything Yourself
  5. Sep 7

    How to Teach Your Kids to Write Their First Book (Using Skills You Already Have)

    There are so many things I want my girls to learn. Reading. Writing. Money. Creativity. Responsibility. Business. How to finish what they start. And as a homeschooling mom, it can be very easy to think every new skill requires another curriculum, program, class, or resource. But lately, I’ve been asking myself a different question: What do we already know that we can pass down? I’m a proofreader. My husband is an artist. And our girls have imaginations that can come up with a story faster than I can get it written down. So we’re putting those things together. The girls are working on their first comic books. Not because we’re trying to create professional child authors. Not because every hobby needs to become a business. And definitely not because their first books need to be perfect. We’re doing it because creating one little book gives them an opportunity to practice something much bigger: Taking something from an idea to something they actually own and created. This Week’s Pearl 💎 Your skills aren’t just something you can earn from; they’re something you can pass down. I’ve spent time developing my proofreading skills because they’re useful professionally. But those same skills have value inside my home. I can help my girls understand how a story flows. I can teach them to read their own sentences and ask whether they make sense. I can help them notice spelling, punctuation, and word choices. Their dad can teach things I can’t. He can help them think about drawing, characters, visual storytelling, and illustration. And our girls bring their own creativity to the table. That’s been making me think differently about family stewardship. Sometimes we’re so busy looking outside our homes for the next thing our children need that we forget to look at the knowledge already living inside them. Create First. Correct Second. Being a proofreader creates one interesting problem when you’re teaching a child to write. You see everything. The misspelled word. The missing punctuation. The sentence that somehow started in Texas and ended in California. 😂 And because you know how to correct it, it’s tempting to stop them immediately. I’m learning not to. There’s a time to create. And there’s a time to correct. Those don’t always need to happen simultaneously. When my girls are trying to figure out what happens next in their comic books, I don’t want perfection interrupting imagination. So I’m practicing a very simple rule: CREATE FIRST → CORRECT SECOND Let them tell the story. Let them draw. Let them write the dialogue. Let them make mistakes. Then we can come back together and polish it. I don’t want my ability to see what’s wrong to make them afraid to create something imperfect. Their first book should reflect their first efforts. It doesn’t need to look like something created by a professional author, editor, and illustrator. That’s part of the beauty of it. One Project Can Teach a Lot This is one reason I enjoy project-based learning. Making a comic book sounds like one activity. But look underneath it. They’re creating characters. Writing dialogue. Reading their own work. Sequencing events. Drawing. Editing. Problem-solving. Designing a cover. Making decisions. And eventually... finishing something. That’s a lot of learning hiding inside one little project. And because they’re interested in what they’re creating, the skills have a reason. They’re not practicing writing simply because I told them to write five sentences. They’re writing because their character needs something to say. I love that. The Family Can Become Part of the Classroom This project has also made me look beyond my own skills. What does Dad know? What does Mom know? What could Grandma teach? What could Grandpa teach? What are our children getting good at that they could teach one another? Maybe nobody in your family is a proofreader or an artist. That’s okay. Maybe somebody sews. Gardens. Cooks. Repairs things. Takes beautiful photographs. Budgets. Organizes. Builds. Speaks another language. Runs a business. Plays an instrument. Writes. There is knowledge sitting inside our families. And some of it took us years to acquire. Our children don’t necessarily have to start from zero. We can give them access to what we’ve learned—not because they have to become little versions of us, but because part of stewardship is deciding what’s worth passing down. From “I Have an Idea” to “I Made It” This may be the part I’m most excited for the girls to experience. There’s a big difference between: “I want to make a comic book.” and: “I made a comic book.” The first one takes imagination. The second one requires imagination plus follow-through. That’s why we’re keeping their process simple: IDEA ↓ CHARACTER ↓ PROBLEM ↓ STORY / PANELS ↓ FIRST DRAFT ↓ POLISH ↓ BOOK We’re not starting with Amazon. We’re not starting with how much they could sell it for. We’re not worrying about author brands, websites, or building some giant children’s business. First, make the book. There will be plenty of time to teach them more about publishing, intellectual property, entrepreneurship, and creative ownership. Right now, finishing something they imagined is enough. Raising Creators, Not Just Consumers I don’t believe everything our children create needs to make money. That’s important to me. Creation does not always need to become monetization. Children should be allowed to make things simply because creating is good. At the same time, I want my girls to understand that they aren’t limited to consuming what everybody else creates. They can read a comic book. And they can create one. They can enjoy someone’s artwork. And learn to make their own. They can love someone’s characters. And invent their own. They can read someone’s story. And discover that their own stories are worth writing down too. That’s the beginning of creative ownership. Reflect & Lead This week, instead of immediately searching for another activity, curriculum, or program for your children, take inventory of your own family. Ask: What do I know how to do? What does my spouse know? What have we learned through work, school, business, hobbies, or life? What could our children learn by doing something alongside us? Then don’t turn the answer into a twelve-week curriculum tonight. 😂 Choose one small thing. Teach them something. Make something. Practice something. Let them try. Faith in Action Deuteronomy 6:6–7 gives us a beautiful picture of teaching our children as part of ordinary family life. It isn’t a passage about comic books, entrepreneurship, or family business. But it reminds me that teaching our children isn’t confined to formal lessons. It’s woven into life together. There are things God has taught us. Wisdom we’ve gained. Skills we’ve developed. Mistakes we’ve learned from. Experiences that changed us. Part of stewarding those things well may be making sure they don’t stop with us. Something to Think About What’s something your family knows how to do that you could learn from each other? And don’t only think about what Mom and Dad can teach the children. Our children have things to teach us, too. 🪶 Resources We’re Using I’m keeping this project intentionally simple. You do not need special supplies to help your child create a book. Paper and a pencil are enough. But if you’re curious about some of the tools you see me using while I write, proofread, plan, and teach, I’ll keep them here: ✒️ My fountain pen: joylink.io/acrylic-fountain-pen ✏️ Apple Pencil: joylink.io/delightful-latest-pencil 📱 iPad Mini: joylink.io/apple-a17-pro-ipad-mini Disclosure: As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. I only share resources that we actually use or that naturally support what I’m teaching. 🤍 Support Thrive — Buy Me a Pearl If these Pearls are helping your family build with more faith, peace, wisdom, and structure, you can support the work of Thrive with Ebony through Buy Me a Coffee—or, as we call it around here, Buy Me a Pearl. Your support helps me continue creating Pearls of Wisdom episodes, Substack reflections, and practical family stewardship resources. Buy Me a Pearl: buymeacoffee.com/thrivewithebonysade No pressure. I’m grateful you’re here reading, learning, and building alongside our family. If you’d like to hear the full conversation and see how we’re helping our girls work through their first comic books, the podcast episode is linked below. 🎥 [WATCH/LISTEN: How to Teach Your Kids to Write Their First Book] Faith. Family. Structure.One Pearl at a time.Until Next Time….. Keep Thriving Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    How to Teach Your Kids to Write Their First Book (Using Skills You Already Have)
  6. Aug 31

    Maybe You Don't Need Another Business Idea

    I have plenty of ideas. To be honest, sometimes that’s actually the problem. A new book idea. A video idea. Something for the business. A resource I could create. Something else I want to learn. It’s easy to feel productive just by filling a notebook with possibilities... when we haven’t actually built anything yet. I’m learning that creativity and execution are two very different things. Coming up with another idea feels exciting. Developing one idea requires patience. This Week’s Pearl 💎 You don’t need more ideas. You need to learn how to build from one. That thought has been changing how I look at our family businesses—and even how I’m teaching our girls about entrepreneurship. Instead of always asking: “What else can we create?” I’m starting to ask: “What have we already created, learned, or started that we haven’t fully developed yet?” That’s a very different question. Start With Who You Can Help If you’re at the beginning, don’t worry about deciding whether you need an ebook, a YouTube channel, a course, an Etsy shop, a website, or a printable. Start here: Who can I help? And: What can I help them do? Maybe you’ve learned how to organize something. Teach something. Make something. Solve something. Save money somewhere. Simplify a process. Maybe your family already has a creative skill, hobby, or experience that could become the beginning of something you build together. Your experience doesn’t have to be revolutionary to be useful. It just needs to help someone move from one place to another. Then Let Your Idea Grow Once you have a useful idea, you can begin asking what forms it could eventually take. Could you teach it? Could you explain it more deeply? Could you create something that helps another person do it themselves? That’s how one idea can eventually turn into content, a book, a resource, a service, a small business, or something you haven’t thought of yet. But here’s what I keep reminding myself: We don’t have to build all of it today. Seeing the possibilities doesn’t mean pursuing all of them simultaneously. Sometimes being a good steward means seeing what an idea could become... and then focusing on the part that belongs in this season. That’s something I’m practicing in our own family right now. Instead of trying to teach our girls entrepreneurship by giving them a hundred different business ideas, we’re giving them an opportunity to work on one small business experience and learn what it takes to actually build it. Not just coming up with the idea. But doing the work that comes after the idea. That’s where so much of the learning happens. Try This Take one idea you’ve been carrying around. Write it at the top of a page. Then answer: Who does this help? What does it help them do? And finally: What is the simplest version of this idea I could actually complete? Start there. Not with the empire. Not with the ten-product launch. With something useful you can finish. Luke 16:10 reminds us of the importance of faithfulness with little. The next opportunity may not begin with finding something new. It may begin with becoming a better steward of what’s already in your hands. Something to Think About What good idea have you been overlooking because you’re too busy thinking about the next one? You may already have more to build from than you realize. And if you’re building with your family, maybe the first goal isn’t even to make a lot of money. Maybe the first goal is simply to learn how to build something together. Faith. Family. Structure. One pearl at a time. Pearls of Wisdom is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    Maybe You Don't Need Another Business Idea
  7. Aug 24

    We Weren’t Taught to Talk About Money

    For many of us, money was something the adults handled. The bills got paid. Groceries showed up. Maybe we heard things like: “Money doesn’t grow on trees.” Or... “We can’t afford that.” But there wasn’t always a conversation about why. Why do we save? How does a budget actually work? Why would we choose not to buy something we technically can afford? What is an emergency fund? Why do people invest? How do we prepare for something we know is coming? Then we grew up. Suddenly, we were responsible for bills, credit, insurance, savings, debt, retirement, investing, taxes... and everything else adulthood decided to throw at us. 😂 And somehow, we were expected to know what we were doing. As a parent, I’ve been thinking about that a lot. Because there are still financial things I’m learning too. And I think sometimes that can make us hesitant to teach our children. We think: How can I teach them when I’m still figuring it out myself? But I’m realizing something. I don’t have to know everything before I can teach my children something. We can learn together. 💎 Money Needs Family Leadership, Not Family Silence I don’t want money to be a mystery in our home. But I also don’t believe children should carry adult financial stress. Those are two different things. Our children don’t need every detail about the mortgage, retirement accounts, taxes, or bills. But they can understand: Save. Spend. Give. Budget. Need. Want. Cost. Value. They can learn why we’re saving for something. They can understand why we don’t spend everything we earn. They can learn that sometimes we can afford something... and still choose not to buy it. Because there’s something else we want that money to accomplish. And that brings me to something I really want my children to understand: 💎 Money Is a Tool. Give It Direction. Money isn’t the goal. It’s a resource. And resources can be directed toward something. Our money can help us: Keep a roof over our heads. Feed our family. Give generously. Build emergency savings. Pay off debt. Create family experiences. Invest. Build a business. Prepare for the future. Leave something for the next generation. The question isn’t only: “How much money do we have?” I’m becoming much more interested in another question: “What is our money building?” That question changes the conversation. A budget stops being only about what we can’t buy. It becomes a plan for what we’re trying to build. 🏡 Try This With Your Family You don’t need to pull out every bank statement and hold a two-hour family financial meeting. Start with ten minutes. Ask: “What is one thing our family wants our money to help us accomplish?” Maybe it’s paying something off. Building an emergency fund. Taking a family trip. Giving more. Saving for something your home needs. Starting a business. Investing for the future. Choose one. Then ask: “What’s one small decision we can make this month that moves us toward it?” Maybe you eat at home one extra night. Maybe you automate a small transfer to savings. Maybe you wait before making a purchase. Maybe you finally sit down and look at where your money has been going. It doesn’t have to be dramatic. The goal is to begin connecting money decisions with family direction. 🪶 Teach the Decision There’s another small shift I’m trying to be mindful of with children. Instead of always saying: “We can’t afford that.” Sometimes the more accurate answer is: “We could buy that, but we’re choosing to use our money for something else.” That’s a lesson. Now we’re teaching: Priorities. Patience. Trade-offs. Delayed gratification. Discernment. Because everything we can afford isn’t necessarily wise to buy. Our children don’t only need to learn how to spend money. They need opportunities to learn how to choose. 💎 Talk. Plan. Decide. That’s what I’m taking into our home: TALK. Don’t make money a mystery. PLAN. Money is a tool. Give it direction. DECIDE. Practice making thoughtful financial choices. We’re not going to master financial stewardship through one conversation. We’re building a culture. Conversation by conversation. Decision by decision. Lesson by lesson. 📖 Faith in Action Proverbs 21:5 reminds us that there is wisdom in diligent planning. And I think that’s an important distinction. Planning isn’t about controlling everything that happens. It’s about intentionally caring for what God has already placed in our hands. Our money isn’t our identity. It isn’t our security. And accumulating more of it isn’t the ultimate goal. We are not chasing wealth. We are learning to faithfully steward what God has entrusted to us. 🪶 Something to Think About What did you learn about money growing up? And maybe more importantly... What do you want your children to learn differently? We can’t go backward and change what someone didn’t teach us. But we can keep learning. And we can make a different decision about what happens next. We can’t change what we weren’t taught. But we can change what gets taught next. And that might be one of the most valuable things we pass down. 🪶 Keep Growing This Week 🎥 Watch this week’s Pearls of Wisdom: How to Teach Your Family About Money (Even If You Weren’t Taught). 🏡 Have one 10-minute family money conversation. 💬 Ask: “What do we want our money to help us accomplish?” Then choose one small step. Talk. Plan. Decide. Because money is a tool. Give it direction. Faith. Family. Structure. One pearl at a time. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    We Weren’t Taught to Talk About Money
  8. Aug 17

    You Don’t Have to Do Everything Right Now

    Lately, I’ve been realizing that one of my biggest struggles isn’t having anything worthwhile to do. It’s having too many good things I could do. There are books I want to write. Things I want to learn. Projects around our home. Ideas for our businesses. School. Homeschooling. Creating. Family experiences I want us to have. None of those things are bad. That’s what makes choosing difficult. Sometimes the decision isn’t between something good and something bad. Sometimes it’s between good and good. And I’ve had to remind myself: Just because something matters doesn’t mean it has to happen right now. That has been freeing. I don’t have to abandon every idea that doesn’t fit my life today. I can give it a different place. Now. Next. Later. Now is what God has placed in front of me to steward in this season. Next matters, but it can wait until I have the capacity to give it proper attention. Later gives me permission to release something without feeling like I’ve failed. I’m learning that later isn’t necessarily a no. Sometimes it’s wisdom. Because when I try to carry everything at once, something usually gets my leftovers. And too often, the things getting those leftovers are the very things I say matter most. My relationship with God. My family. My health. My peace. The work I’m actually supposed to be doing right now. So I’m asking myself a different question these days. Not: “How can I fit everything in?” But: “What deserves my attention in this season?” That question feels different. It gives me permission to focus. 🏡 Try This With Me Take a piece of paper and make three columns: NOW | NEXT | LATER Write down what’s competing for your attention. Don’t overthink it. Just give everything somewhere to go. Then look at your NOW column and choose three things that deserve your attention most. Those are your Focus Three. That’s enough. We don’t have to figure out the next five years tonight. We just need wisdom for what God has entrusted to us today. Proverbs 4:25 says: “Let your eyes look straight ahead; fix your gaze directly before you.” That’s the kind of focus I’m learning to practice. Not doing everything. Not chasing everything. Not saying yes to everything. Just faithfully tending to what belongs in this season. 🪶 A Question for You What are you carrying right now that might actually belong in your Next—or Later? Maybe putting it down isn’t quitting. Maybe it’s stewardship. Keep Growing This Week 🎥 This week’s Pearls of Wisdom episode goes deeper into protecting our attention in a distracted world. 🏡 Try Now → Next → Later for yourself or with your family. And ask: What deserves our attention in this season? Strong families are built one faithful decision at a time. Faith. Family. Structure. One pearl at a time. Until next time… keep thriving. Pearls of Wisdom is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Pearls of Wisdom at thrivewithebonysade.substack.com/subscribe

    You Don’t Have to Do Everything Right Now

About

Welcome to Pearls of Wisdom with Ebony Sade — a faith-filled podcast where timeless truths nurture the heart of your purpose, your family, and the legacy you’re building. Each episode uncovers divine treasures hidden in everyday life — reminding us that your family is the field where God plants His greatest treasures, and sometimes, the answers we’re searching for are hidden in the pages of a book we haven’t read yet. Join Ebony Sade as she shares powerful reflections, biblical insights, and conversations that inspire faith, family, and freedom. thrivewithebonysade.substack.com