What if the blueprint for financial freedom for your homeschooling family has been sitting in your family history all along?

In this milestone birthday episode, Crystal Obey shares what she discovered at 45 about the generational wealth strategies her grandmothers built long before homeschool money was a conversation.

This is the mindset foundation the entire Homeschool Money podcast is built on.

Take the full FREE Class: FREE INTRO CLASS: Get $30,000+/Yr to Fund Your Homeschool Without a 9-5 Job

In This Episode, You'll Discover:

• The generational wealth blueprint Crystal's grandmothers built
• Why financial freedom for homeschooling families starts with a mindset shift, not a spreadsheet
• How homeschooling five kids while running a business is training your children
• The name your farm challenge
• Why the homeschool lifestyle is one of the most underrated financial strategies
• What turning 45 with intention looks like as a homeschooling entrepreneur
• How Texas Education Freedom Accounts (TEFA) and current education funding shifts create a once-in-a-generation opportunity for families paying attention

Perfect for You If:

• You want to build generational wealth while homeschooling without a traditional 9-5 job
• You are looking for a mindset foundation before diving into specific income strategies and homeschool funding tools
• You feel like you are behind and need a reminder that the forties and beyond are a launching pad, not a finish line
• You believe homeschooling costs your family financially and want a new framework for thinking about the return on that investment
• You are ready to stop spending what you have and start investing it strategically for the next generation

Okay, so I turned 45, and I wanna be

clear, I did not wake up and feel like

2

a woman who had it all figured out,

draped in linen, morning light hitting my

3

face perfectly, birds chirping my name.

4

No.

5

The very first thing I did in

my 45th year of life, the very

6

first thing, was change a diaper.

7

Welcome to my world.

8

But honestly, even that felt symbolic

because that is exactly who I am.

9

I don't just talk about

investing in the next generation.

10

I am quite literally in the dark,

in the middle of the night, doing

11

the unglamorous work of raising one.

12

Now, I also have a

tradition with my brother.

13

He and I share a birthday.

14

Not twins.

15

He is two years younger than me, which

means he's never once in his whole life

16

had a birthday that was entirely his own.

17

So every year we have

a little competition.

18

Whoever says happy birthday

to the other one first wins.

19

There's no prize, it's just

like silent satisfaction.

20

So this year, this year I had a plan.

21

I was ready.

22

I was gonna text him the

very second midnight hit, and

23

then my kids started talking.

24

You know how kids do that thing where

they pick the exact moment where

25

you need 10 seconds of silence to

unleash a full congressional debate?

26

That happened.

27

I got distracted, and when I finally

picked up my phone to send that

28

text, his text was already there.

29

He beat me again.

30

Now I have to wait a whole other

year, and I'm already strategizing.

31

But anyway, I sat there on the sofa

with my family finishing our movie and

32

I thought, "Huh, I'm genuinely happy."

33

Not the performed kind of

happy, not the I'm fine kind.

34

The real settled, nothing

to prove kind of happy.

35

And I wasn't expecting that because

nobody told me 45 could feel like this.

36

Nobody told me that 45 would be the

year I feel more fearless than ever.

37

Nobody told me that everything I've been

building, the marriage, the family, the

38

business, the legacy, would start to feel

less like effort and more like momentum.

39

Nobody told me that the 40s aren't the

finish line, they are a launching pad.

40

So today, at 45 years old, I'm Crystal

Obie, and I wanna talk to you about what

41

I've been building, where it came from,

and where I'm absolutely, intentionally,

42

joyfully going because I think it's

gonna change the way you think about

43

your own family's financial future.

44

A fast-growing number of parents

are starting their homeschooling

45

journey, while others have

been homeschooling for years.

46

All of these parents are asking one big

question: How can I afford to homeschool?

47

We're here to answer that important

question once and for all.

48

Hi, I'm Crystal Obie.

49

And I'm Anthony Obie.

50

We've been homeschooling our five kids

for 13 years, and we funded it through

51

our online consulting business that

we've been running for over 17 years.

52

Now, we're combining Crystal's financial

coaching expertise with my digital

53

marketing background, where I help

entrepreneurs launch and sell online.

54

We're here to help fellow

homeschooling parents self-fund

55

their homeschool journey and create

lifestyle businesses for financial

56

freedom without a nine-to-five job.

57

Are you ready to start living life

on your own terms and make your

58

homeschooling experience a lot more fun?

59

Well then sit back, crank up the volume,

and enjoy this episode of Homeschool

60

Money.

61

So welcome to the

Homeschool Money podcast.

62

I'm so glad you're here.

63

Most people turn 45 and look

back And I did look back, but

64

what I found there wasn't regret.

65

What I found was a blueprint I

didn't even know I was holding.

66

So let me tell you about my grandparents.

67

On one side of my family, there was a farm

in Tennessee, and this wasn't just a farm

68

in the way we romanticize farms today.

69

It wasn't a lifestyle brand

or a homestead hashtag.

70

This was land with purpose.

71

My grandparents used that farm

to do something extraordinary

72

during one of the most painful

migrations in American history.

73

After the Civil War, Black families

were moving north, heading to cities

74

like Chicago looking for safety,

opportunity, and a fresh start, and the

75

journey was long and hard and expensive.

76

And my grandparents,

they opened that land up.

77

They said, "Come, work a season,

earn what you need, then keep

78

moving toward your dream."

79

They weren't running a charity.

80

They were running a bridge.

81

They looked at people in transition and

said, "We have something, and we will use

82

it to help you get where you're going."

83

Hey, real quick, if you're liking the

show, hit follow so you don't miss a

84

single episode, and drop a five-star

rating and a review to let us know that

85

you're loving the content and tell us

what topics you'd like us to cover.

86

This will help more people find the show.

87

And please share this episode

with a friend, your co-op,

88

or anyone who needs it.

89

They'll be glad you did.

90

Now back to the show.

91

That's legacy work.

92

That's generational thinking, and I

didn't fully understand until recently

93

that I've been doing the exact same

thing, just in a different century

94

with a different kind of land.

95

And then there's my other grandmother.

96

World War II changed everything for her.

97

The men went to war, and suddenly,

women who had been told their place

98

was cleaning other people's houses

were now needed in the shipyards.

99

She got to build battleships.

100

She got paid wages she

had never seen before.

101

And you know what she did with that money?

102

She didn't spend it on things.

103

She didn't upgrade her lifestyle.

104

She bought land in Indiana, and

that land, that quiet, unglamorous,

105

nobody's putting it on Pinterest piece

of land provided housing security

106

for five generations of our family.

107

Five generations.

108

I've been sitting with the math on that.

109

If you tried to give five generations

of a family housing security today

110

through rent, through mortgages,

through any modern financial tool

111

available to us, you would be talking

about hundreds of thousands, possibly

112

millions of dollars over a century.

113

My grandmother did it with one wartime

paycheck, one decision, one piece of land.

114

She never wrote a book.

115

She never had a platform.

116

She never gave a Ted Talk.

117

But she made one strategic decision

with her resources, and that decision

118

is still paying off for people who

weren't even born yet when she made it.

119

That's the energy I'm

stepping into at forty-five.

120

Here's what I've come to understand.

121

I have spent the last forty-five years

in training, and I mean that sincerely,

122

not as a cliché, but as a fact.

123

Twenty-four years of

marriage, twenty-four.

124

That's not just love, that is practice.

125

Practice in partnership, in communication,

in building something with another

126

person, even when it's inconvenient and

imperfect and absolutely not what either

127

of you imagined it would look like.

128

That's a skill, and it

has made me sharper.

129

Five children homeschooled

while running a business.

130

Homeschooling my children has not

been a sacrifice of my ambition.

131

It has been the incubator for it,

because when you are responsible for how

132

five different human beings understand

the world, you get very clear, very

133

fast about what actually matters.

134

You stop being vague.

135

You stop accepting systems that

don't serve your family, and

136

you start building your own.

137

I wanna say something that I don't

think gets said enough in any space

138

where homeschooling families gather.

139

Homeschooling is not

a financial sacrifice.

140

It is a financial strategy.

141

Most people only look at what it

costs, the curriculum, the time,

142

the income you stepped away from.

143

They never look at what it builds.

144

They never calculate the value of a

child who graduates knowing how to think,

145

knowing how to work, knowing how to earn,

because they watched their parents do it.

146

They never count the wealth of a family

that stayed close, stayed intentional,

147

stayed aligned, because alignment is the

foundation everything else is built on.

148

I have been an entrepreneur throughout

this season of life, and my children

149

are watching me fail and get back up.

150

They're watching me negotiate,

create, vision cast, and execute.

151

They are learning, without a single

worksheet, what it looks like

152

to build something from nothing.

153

That is not a cost.

154

That is a curriculum, and it is the

most valuable thing I could give them.

155

In the weeks ahead on this podcast,

Anthony and I are going to break down

156

exactly what that strategy looks like

in real numbers, the wealth tools,

157

the income systems, the funding most

families are leaving on the table.

158

But today, I wanna give you the

foundation, the mindset that everything

159

we're about to teach you is built on.

160

We are in the middle of the biggest

shift in American education in a

161

generation, maybe in our lifetime.

162

The conversation about how children

learn, where they learn, and who pays

163

for it has cracked wide open, and

families who are paying attention right

164

now, who are making strategic decisions

right now, are going to be the ones

165

who come out of this transition with

options My grandparents' farm was a

166

bridge for families in transition.

167

I am building a bridge for

families in transition.

168

That's why I do this work.

169

That's why I show up.

170

That's why this is not

just a business to me.

171

It is a calling that has been

echoing through my bloodline

172

for over a hundred years.

173

I wanna talk about something that

doesn't come up enough in spaces

174

where women gather to talk about

business and legacy and education.

175

It's the body.

176

I'm forty-five.

177

My body is changing, and I have decided

fully, completely, and without apology

178

to embrace every single bit of it.

179

Because here's what I know.

180

This body carried five children,

four miscarriages, including the five

181

births, so nine total pregnancies.

182

This body showed up on the hard days.

183

This body got back up.

184

Every change it's going through right

now is just evidence that it has

185

been working, and I refuse to spend

the next chapter of my life at war

186

with the vessel that got me here.

187

I also wanna share something

a great aunt told me.

188

I used to call her every week

because she was the kind of woman

189

you call every week if you're

smart enough to know what you have.

190

And she told me something I wanna

give to you today as a gift.

191

"In your forties, you are only

almost halfway through your life.

192

You have so much you can still do.

193

There is no rush."

194

You hear that?

195

She said, "No rush."

196

I sat with that.

197

I let it rearrange something in me because

so much of what makes us frantic as

198

parents, as women, as entrepreneurs is

the false belief that we are behind, that

199

the window is closing, that we should

have already arrived somewhere by now.

200

But what if the forties

are not the finish line?

201

What if they are a launching pad?

202

I have done the hard work

of clarifying my values.

203

I know who I am.

204

I know what I believe.

205

I know what I will and will not do.

206

And that clarity, that took

forty-five years to earn.

207

You cannot shortcut it.

208

You cannot buy it.

209

You cannot borrow it.

210

You just have to live it.

211

I have a dream business, and

I can see it clearly now.

212

I am in my dream city.

213

I have a full cup.

214

Not a cup that is barely holding on, not

a cup that is half full because I keep

215

pouring out and forgetting to refill.

216

A full cup, and I am

positioned to walk in overflow.

217

And here's what a full cup

means for me financially.

218

I am not making money

decisions from scarcity.

219

I am not saying yes to the wrong

opportunities because I'm afraid.

220

I am not underselling what I

have built because I am not

221

sure it's worth full price.

222

That shift from scarcity to overflow

is the most valuable thing I own at

223

forty-five, and it did not come from

a course or a coach or a spreadsheet.

224

It came from forty-five years of living,

building, failing, and getting back

225

up That shift is completely available

to you, and that is exactly what this

226

podcast is here to help you find.

227

Everything hard that happened, and

there for sure were hard things.

228

There were seasons I really

wouldn't wish on anyone.

229

Every single struggle was worth

it, not because suffering is noble,

230

but because I am still here, and

I know things now that I couldn't

231

have known without going through it.

232

Hey, I hope you're enjoying the show.

233

We'll get right back to the

discussion, but I do wanna talk

234

high level with you real quick.

235

You see, transforming your finances so

you can self-fund your homeschooling

236

journey without a nine-to-five

job takes a roadmap, right?

237

A- and you may be wondering,

where do I even start?

238

Start at step one.

239

Our Homeschool Money Makeover program

breaks it down into five practical steps

240

that help any family achieve a financially

abundant homeschooling lifestyle.

241

Step one: install the

abundance operating system.

242

Most people believe that they need two

nine-to-five jobs to make it in America.

243

The truth?

244

With all the technology and the

tools available today, there's never

245

been an easier time to generate six

figures a year in income working just

246

15 to 20 hours a week than today.

247

When you have a strong why for

homeschooling and you know the

248

real costs, you unlock the courage

that you need to become a money

249

magnet without a nine-to-five job.

250

Step two: get crystal clear about what

you're gonna do with your first $1,000

251

that you make outside of your day job.

252

Write down specific homeschool

needs that $1,000 can cover.

253

Yes, this is a small amount, but if you

can learn how to set a target of making

254

your first thousand dollars outside of

your nine-to-five job, that's going to set

255

a fire in your belly and the determination

that you need to make the next $100,000.

256

Step three: find all the money falling

through the cracks in your budget.

257

With Crystal's three financial coaching

certifications, listen, she's gonna

258

help you be able to streamline your

budget and free up money without

259

sacrificing your favorite things.

260

You can't build a strong financial

future with money falling

261

through your pockets, right?

262

So let's plug up the leaks.

263

Step four: discover new ways to

make money and claim free money

264

available for homeschooling families.

265

We discuss grants, scholarships,

proven fundraising opportunities that

266

savvy homeschoolers are using, and

we show you how to use them, too.

267

Step five: launch or scale your

money-making success system to completely

268

replace your nine-to-five job income.

269

Whether it's a side hustle, a freelance

work, or a new business, identify your

270

single most viable opportunity and turn

that into $3,000 in income, $5,000,

271

$10,000 a month in income, or whatever

you need to feel financially abundant.

272

Implementing these five streamlined

steps will make you feel more

273

financially empowered than ever before.

274

You will gain the momentum that you

need that by step number five when

275

you're making more money- You're

going to feel unstoppable financially.

276

Through our marketing consulting

business, we've helped literally

277

hundreds of entrepreneurs

build online selling machines.

278

That's what we do in our business Life and

Launches, and we share our million-dollar

279

automated selling system with you inside

the Homeschool Money Makeover program.

280

Inside the course, you're gonna get

all the video lessons, worksheets,

281

templates, and guides that you need

to walk through all five of the

282

steps to transform your finances.

283

And right now, during our special

introductory offer period, you'll

284

get bonus gifts plus our lowest

enrollment price ever, making

285

it easy to enroll and make your

first thousand dollars back fast.

286

Go to homeschoolmoney.com

287

to watch our free class, and then you're

gonna get an inside look at the full

288

Homeschool Money Makeover program.

289

Don't wait.

290

Go to homeschoolmoney.com

291

to start the free class and enroll

into the full program today.

292

Now I'm done having children.

293

I have energy, I'm happy, and

I welcome with both arms wide

294

open the next forty-five years.

295

So what does intentional living

at forty-five actually look like?

296

It looks like starting

a new legacy in Texas.

297

My grandparents had Tennessee and Indiana.

298

I have Texas, and I am choosing Texas

on purpose, not by accident, not

299

just because of the weather or the

culture as much as I love them both.

300

I am choosing Texas at a historic

moment, a moment when this state

301

is changing the rules of education

funding in ways that will benefit

302

families like ours for decades to come.

303

Texas just made a billion dollars

available to help families choose

304

how and where their children learn.

305

We are planting here.

306

We are building here, and I am

inviting every family listening

307

to plant and build with us.

308

Just like my grandmother looked

at her wartime paycheck and said,

309

"This is a bridge, not a spending

account," I am looking at this moment

310

in Texas and saying the same thing.

311

The tools are here.

312

The funding is here.

313

The community is here.

314

What are we going to build?

315

It looks like building a business

that creates bridges for families

316

the way my grandparents created

bridges for people in transition.

317

Because the families I serve, the

ones navigating education funding,

318

the ones trying to figure out ESAs

and homeschool co-ops and scholarships

319

and real estate and all the tools

available to them, they're in transition.

320

They're moving towards something

better for their children, and I

321

want to be the farm that they stop

at to get resourced and refueled.

322

It looks like showing up on stages

and in rooms and on podcasts and in

323

communities and saying, "You have more

options than you think, and I am living

324

proof that it is possible to build

something intentional, sustainable, and

325

generationally meaningful, even while life

is full and loud and beautifully chaotic."

326

It looks like my marriage getting richer.

327

Twenty-four years in, and I am more

committed to this partnership than I ever

328

have been because I understand now that a

great marriage is one of the most powerful

329

wealth-building tools a family has.

330

The alignment, the shared vision, the

trust, it compounds just like interest

331

It looks like my children watching

their mother step fully into her purpose

332

and learning by osmosis that purpose

is not something you stumble into.

333

It is something you build brick by brick,

year by year, generation by generation.

334

That is what turning 45

with intention looks like.

335

Not slowing down,

accelerating, but with wisdom.

336

Now, before I let you go, I want to

leave you with something to sit with

337

this week, because every episode I want

to give you something that moves you,

338

not just something that informs you.

339

So here's your challenge.

340

I want you to name your farm.

341

What I mean is this.

342

My grandparents had a farm.

343

They had a resource, which was

land, and they used it strategically

344

to build a bridge for others.

345

My grandmother had wages she had never

earned before, and she turned them

346

into a five-generation housing legacy.

347

They both had something, and

they decided what it was for.

348

You have something too.

349

Maybe it's knowledge.

350

Maybe it's a network.

351

Maybe it's a financial tool you

haven't fully activated yet.

352

Maybe it's time you've been

spending but not investing.

353

Maybe it's your story, your real

complicated, beautiful story that

354

another parent desperately needs to hear.

355

Maybe your farm is 15 years of

special needs parenting and everything

356

you know about navigating IEPs and

funding that other families don't.

357

Maybe it's a nursing degree that

could become a home income stream.

358

Maybe it's a paid off car that

frees up $600 a month you could

359

redirect into your children's future.

360

Maybe it's a spare bedroom

sitting empty while another

361

family needs affordable housing.

362

Maybe it's your debt-free story, the

one you've been too embarrassed to

363

share, that someone in your circle

is desperate to hear right now.

364

What is your farm?

365

And who are you letting stop there

on their way to something better?

366

Write it down.

367

Just one thing.

368

Don't overthink it.

369

Your legacy is not waiting

for you to be ready.

370

It's waiting for you to be willing.

371

So here's my birthday ask.

372

I wanna hear your farm.

373

I genuinely want to know.

374

So please send me a message or tag

us on social because when I see your

375

farm, I am going to show up for it.

376

I'm going to share it.

377

I'm going to celebrate it.

378

This is my birthday promise to you

because this is not a one-way show.

379

This is a movement, and movements

are built when people name what

380

they have and decide to use it.

381

So tell me your farm.

382

I'm listening.

383

And if you wanna keep building, if

you wanna figure out how to take that

384

thing and turn it into a real funded

strategic plan for your family's

385

future, I wanna help you do that.

386

Come find me.

387

The link is in the show notes.

388

Let's build this together.

389

Thank you so much for spending your time

with me today, especially for my birthday.

390

This community is part of my overflow,

and I do not take that lightly.

391

I'll see you next week

392

If you liked today's episode,

make sure you tap the follow

393

button so you never miss a thing.

394

And if it helped you, share it with

a friend or your homeschool group.

395

Sharing is caring.

396

Do you love free stuff like me?

397

Sign up and watch our free beginners

class called Get 30,000 a Year to fund

398

your homeschooling without a 9 to 5 job.

399

When you sign up, you'll get instant

access to the class, and you'll

400

get our weekly newsletter with

tips and strategies to make your

401

homeschooling journey affordable.

402

Go to homeschoolmoney.com

403

and register right now.

404

Ready to get your homeschool money?

405

Head over to homeschoolmoney.com

406

to enroll in the full Homeschool

Money Makeover course.

407

You'll get the tools, templates,

and step-by-step help to find

408

your first $1,000 fast and create

30,000 or much more every year.

409

Each module of this program is designed

to transform your finances and help you

410

experience financial abundance so you

have the flexibility and lifestyle freedom

411

to homeschool your children without

a 9 to 5 job and without sacrificing.

412

And right now, we have an amazing limited

time offer that gives you huge savings

413

and bonus gifts you're going to love.

414

Go to homeschoolmoney.com

415

to enroll today.

416

And don't forget to give us some love

with a five-star rating and review.

417

It'll help more people find our show.

418

Have a great day.

419

Bye.