The Formula You've Been Waiting For

The Formula to Redeem Your Time: Stop Trading Hours for Dollars

December 13, 20244 min read

Look carefully then how you walk, not as unwise but as wise, making the best use of time because the days are evil. Therefore do not be foolish, but understand what the will of the Lord is." – Ephesians 5:15-17 - YouVersion, ESV

The Formula to Redeem Your Time: Stop Trading Hours for Dollars:

When it comes to building a life you love while making money online, there’s one mindset shift that can completely transform how you approach your goals: understanding that time is greater than money.

In this post, I’ll break down a formula that could change everything for you, especially if you’re tired of working so hard for so little. This is the formula that will help you redeem your time, work wiser, and create a more sustainable income. Ready? Let’s dive in.

The Formula You've Been Seeking

Why "Time is Money" Misses the Mark

Many of us have been conditioned to believe the phrase, "time is money." While it sounds logical, it sets us up to treat our most valuable asset—time—as though it’s replaceable. Here’s the truth: time isn’t money; it’s much more valuable.

Imagine this: if I offered you a million-dollar check, would you take it? Of course. But what if the catch was that you had to give up your life? Suddenly, the money means nothing. Time outweighs money because it’s finite. Once it’s gone, it’s gone.

On the flip side, when you run out of money, you can always earn more. That’s why shifting your mindset around time and money is the first step to creating real freedom.


What Does the Bible Say About Redeeming Time?

In Ephesians 5:15-17, Paul writes:

"Look carefully then how you walk, not as unwise but as wise, making the best use of time because the days are evil. Therefore do not be foolish, but understand what the will of the Lord is."

The phrase "making the best use of time" translates to the Greek word for "redeeming." To redeem your time means to buy it back, rescue it from being wasted, and use it wisely. It’s a call to be intentional, to focus on what truly matters, and to align our actions with God’s will.


The Virtual Millionaire Formula

Here’s the formula that can change how you view earning money online:

If $1 million invested at 6% generates $5,000/month in passive income, then earning $5,000/month in passive income is like having $1 million in the bank.

Let that sink in. You don’t need a million dollars sitting in your account to live like a virtual millionaire. What you need is to create systems that generate consistent income without demanding all of your time.


How to Get Started: Creating Passive Income

To redeem your time and earn more while working less, consider these three proven methods:

  1. Membership Sites: Offer a subscription-based service. For example, if 50 people pay you $100/month, that’s $5,000 in recurring revenue.

  2. Newsletters: Create valuable, niche content people will pay to access. A $25/month subscription with 200 subscribers equals $5,000/month.

  3. Payment Plans: Offer installment options for high-ticket products or services. This creates recurring revenue while making your offerings accessible to more people.

While these methods require upfront effort, the long-term payoff is significant. They allow you to break free from the cycle of trading hours for dollars and create income on autopilot.


How This Formula Frees Your Time

By shifting your mindset and applying this formula, you can:

  • Spend more time with your family.

  • Invest in your personal growth.

  • Focus on what truly matters, whether that’s your faith, your health, or your goals.

Imagine working just 20 hours a month to generate $5,000. That’s five hours a week, leaving you the rest of your time to live the life you want.


Final Thoughts: Redeem Your Time, Redeem Your Life

This isn’t about chasing money for its own sake. It’s about aligning your work with your values, using your time wisely, and creating financial stability so you can focus on what truly matters.

Remember: when you stop wasting time and start redeeming it, you’re not just buying back hours—you’re investing in your family, your future, and the life God has called you to live.

If this resonated with you, join the conversation in our Voxer thread or leave a comment below. Let’s work together to redeem our time and create a brighter future.


What’s Next?

Start small. Pick one passive income idea and take action this week. Your time is worth it, and so are you.

Sherry Staggs is a bookkeeping coach, entrepreneur, and passionate advocate for helping families find freedom through smart financial strategies and intentional time management. With a heart for faith-driven living, she empowers women to redeem their time, grow profitable businesses, and align their work with God’s purpose.

Sherry Staggs

Sherry Staggs is a bookkeeping coach, entrepreneur, and passionate advocate for helping families find freedom through smart financial strategies and intentional time management. With a heart for faith-driven living, she empowers women to redeem their time, grow profitable businesses, and align their work with God’s purpose.

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