KS 430 - Why Rushing An Inheritance Can Hurt Your Family

What if the fastest way to lose a blessing is to grab it too soon? We dig into Proverbs 20:21 and follow a true story of pressure, surrender, and a surprising 148% return that came from saying yes to boundaries and no to haste. It starts with a young couple chasing a first home, a quiet prayer that resets their pace, and a below‑market opportunity that only makes sense in hindsight. The twist: a small inheritance comes with strings attached—use it for a down payment, not the stock market. Pride flares, patience wins, and years later the numbers tell a better story than any hot tip.

From there, we zoom out to the heart of generational wealth. Money alone doesn’t make a legacy; it needs wisdom, timing, and responsibility. We talk through how parents can stop keeping their financial lives in the dark and start mentoring their kids with practical, age‑appropriate steps. Think dinner‑table breakdowns of big purchases, letting teens co‑pilot a savings plan, and introducing a “family bank” with a clear purpose and rules that train real‑world decision‑making. Stewardship becomes a rhythm, not a lecture—rooted in faith, grounded in action, and focused on character as much as cash.

You’ll hear how surrender opened doors that striving kept shut, why counsel beats gut feelings, and how to frame risk, liquidity, and purpose so your money serves a mission bigger than you. By the end, you’ll have a blueprint to teach your children earlier, structure your giving and saving with intention, and turn inheritance from a windfall into an apprenticeship. If this resonates, share it with one person who needs a nudge toward patient, purpose‑driven wealth. And if you want a simple starting point, grab our short ebook on family banking and learn how to build a purposeful family fund today. Subscribe, leave a review, and tell us: what principle will you pass down first?

Transcript

Welcome And Kingdom Focus

SPEAKER_00 0:02

Proverbs chapter 22, verse 29 says, When you see a man skillful in his work, he will storm before towards. You will not storm before a pure man. Fellow marketplace Christians, stop apologizing and start winning. Welcome to the Success Out, the show that helps you take your walk as a marketplace Christian to the next level. Here's your host, Christian Entrepreneur Tyler McCart.

Mission: Maximizing Marketplace Calling

Proverbs Habit And Today’s Verse

The House Hunt And Surrender

The Inheritance With Conditions

Selling The House And ROI

Inheritance Beyond Assets

Teach Children Early

Practical Parenting And Legacy

Final Blessing And Calls To Action

SPEAKER_01 0:30

What's going on, Kingdom Success listeners and viewers? Yours truly, Tyler McCart, coming at you. Episode 430 on my audio podcast. And I guess this is video number two. If you haven't subscribed to the channel yet, I'd ask you to go ahead and subscribe to the channel. Follow on any kind of podcast player that you have. If you're on YouTube, obviously you can subscribe and uh follow along as we continue on. But here at Kingdom Success, you know, we're all about out actually helping you maximize your God-given potential in the marketplace uh for the kingdom of God. Uh quite honestly, Jesus talked about the kingdom of God more than he talked about heaven, he more than he talked about really anything. And the kingdom of God is actually inside of you. And so by you actually tapping into what God has sent you to this earth to accomplish and do, therein lies the potential for you to maximize your potential for the kingdom of God. Potential, a lot of potentials around there. Anyway, uh, so today what I wanted to talk about uh in my quiet time, I've been reading Proverbs uh for the last, oh, I don't know, um since 2008, I guess. Yeah, since 2008. I've been reading Proverbs basically, you know, uh a chapter a day, uh, pretty much since 2008. I don't know how many years that is. It's it's more of the lot of years. But today was Proverbs 20, and one of the verses really stood out to me, and Holy Spirit kind of grabbed my attention within brought me back actually to a time in my life uh that I want to talk about. And you know, again, this is going to be really um, you know, multi-generational, multi, you know, thinking outside of yourself, your own little bubble, but actually thinking beyond you know what you have going on today and thinking generationally for your family. All right. So here's the verse. Proverbs 20, verse 21 says, an inheritance gained hastily at the beginning will not be blessed in the end. Now, story time, boys and girls. When I first got married, uh, Amy and I, uh Amy and I, we've been married now for over 25 years now. When we first got married, uh, we lived in apartments, and uh we we started out an apartment, and you know, one of the things that we wanted to do was we wanted to get a house. Well, my parents, Amy's parents definitely encouraged us to get a house. Uh, they felt like that was a good investment uh for us and our you know family, and you know, as we are starting up our marriage and our family. Well, we we wound up, you know, going through this whole entire search, and you know, it was a big rigor morore. And finally one day, I remember we were, Amy and I, we went out for a walk that afternoon, and I just kind of told Amy, I kind of threw my hands up and said, you know, sweetie, I I don't really care about this anymore. I I I have to cast all of this on the Lord. I'm I'm just fed up with all this pressure of trying to find a house and get into a house. Time kind of went by another day or another couple days later. Um, Amy calls me at work and says, Hey, can you come out uh to this house? Um, I called this real estate agent. Uh, she actually found this one house uh down on the south side of Myrtle Beach, and uh I think you might actually enjoy it. Well, so I packed my bags up and I went down to meet meet meet Amy, and uh that was the house we actually found together, and it was way below market price. And on top of that, um, you know, we felt like this is the house that God wanted us to have. So we signed a contract actually right then and there. Through through that time before all that, my mom and dad had let me know that my great-grandfather, uh Papaw, um, had left me a little bit of inheritance. And uh they wanted to give that inheritance to me. Well, Tyler, so this is right before this house kind of canceled, put a pin in that. I'm gonna come back to the house in just a second. So I took it upon myself to start doing what I had known to do, and that was get a multitude of counseling. So I talked to one of my uh mentors, and he had directed me to this financial advisor that uh had worked for Larry Briquette. Um, I had gone and talked to this Edward Jones gentleman as well, and uh was wanting to get some financial advice of what I should do with this money. But at the end of it all, I really didn't get the money directly to me. Okay, and Tyler, yeah, yours truly, I was pretty hot. Um, I was a little bit upset with my mom and dad because of that. And because I was upset, I really, again, didn't know what I didn't know. And mom and dad had said, hey, look, we're gonna give you this money, but we're actually gonna allow this money to go towards your down payment for your house. And, you know, instead of me being, you know, overjoyed and whatever, I mean, I just taking all this time and all these meetings and done all this research and whatever, and I was ready to invest, I was ready to put money into the stock market, I was ready to, you know, uh see this blessing that was coming to me grow. Well, but my mom and dad put conditions on it, and they said, hey, you need to put this actually in your house. Well, I reluctantly said, okay, fine, that's that's totally fine. So at that that house, when we actually bought the house, we put a that down payment. It wasn't the full price of the house, but it was at least a good chunk of the uh of the money. Well, as I we lived in that house for about four years, Amy and I did, and that was right around the time that 2005. All right, so if you know anything about 2005, 2005 was kind of when real estate started to really creep up and really start to kind of uh escalate. Now, I didn't know that at the time. Um, at that time I was seeking the Lord, and I actually felt led of the Lord to actually move. Uh, Amy and I, we'd been there for about four and a half years of that house, and we had felt led to move. Well, I put this, I put a sign up, went to a business conference, Amy and I did, and during the conference, I was getting all these phone calls of, hey, you know, how much you want to sell for your house? Blah, blah, blah, blah, blah. Well, a buddy of mine from college had reached out to me and said, Hey, Tyler, I I really love your house. Um, I'd be more than happy to pay you or offer you this amount of money. We don't have to have any real estate agents involved. We can pay this amount of money and we can close fairly quickly, you know, on the house. And I'm like, sure, yeah, that sounds great. Uh, so we agreed to the set amount of money, and within about 30 days, Amy and I, we were out of the house. Okay. Now, here's the message of the story that I want to get back to that the Holy Spirit this morning asked me, he said, Tyler, do you realize, have you ever calculated what the percentage of return that you received on that down payment that your mom and dad put uh in there for you for your inheritance from your great grandfather? And I said, No, I had not. And so I did the calculations and kingdom success. Listen, it was a hundred and forty eight percent return on the money that we invested in, uh, we put a down payment on the house. So the down payment grew a hundred and forty-eight percent. Yeah. Praise the Lord. I'm glad that uh my parents had told me that we weren't doing, they weren't gonna give you the money because, you know, quite honestly, if I'd invested the money in the stock market or had invested the money in, you know, maybe something else, there'd be no way in the world I would have seen that kind of return on that money. Now, there were other things that were going on that I know from a spiritual standpoint and giving that did influence that. But I just want to hit on this principle that an inheritance gained hastily at the beginning will not be blessed at the end. Please hear me, Kingdom Success, when I say this. You've got to start to teach your children more about wisdom and money and about character and these intangible things about stewardship now, so that guess what? You can prepare them and they can help to understand what you are doing to help them set themselves up. I believe from the bottom of my heart, because I'm living proof of it, that you need to have an inheritance left for your children. That is a biblical thing, a financial thing. Not just, you know, wisdom, responsibility, all those intangibles. Yes, those are extremely important, but at the same time, a financial blessing helps you get ahead. I mean, look at I'm a testimony of that. It helped Amy and I, you know, when we got sold that house, it helped us get out of debt. We had a huge amount of cash, at least to me, it was a huge amount of cash. Sitting there that we were had, you know, we had savings then, and we actually started to invest that, invest that money into some things. But I tell you that, guess what? Inheritance isn't just about transferring asset. Now hear me, watch this. Inheritance is not just about transferring an asset, but transferring wisdom, timing, and responsibility. You can't rush into things. You've got to start now with your children. Now with your children, not 10 years from now, not wait till they're out of the place. I I was talking to uh a gentleman, he he was actually a C a CFO of two publicly traded companies. And you know, he he said, Man, Tyler, listening to you talk, I wish that we had started teaching our children sooner. Now our children are grown, they've got children of their own. Granted, they're Christians, Tyler, but I wish that we had told them all these principles and everything that I knew. I started teaching them early on to them. I mean, he he went on to say, he said, yeah, we actually kind of kept um what I did professionally um in the dark to my children because we didn't want them to know about that, and we didn't want that we felt like they might get spoiled or you know, get kind of an entitlement mentality of this position that I had in these two publicly traded companies, the CFO. But he says, you know what? Now looking back, I wish I had taught them these principles so that they could have known better. Again, guys, yeah, you want to transfer a spiritual legacy, see your children get saved. Very important, very important. All right, give them to a Bible-believing church, very important, but there's also other intangible things that you have to start to teach your children. If my mom and dad had said, taught me early on, okay, that yeah, hey, an inheritance is actually coming towards you. They never one time, and not this is not a downplay of my parents, but I just wish they had taught me and had said to me, hey, you were going to actually receive an inheritance. Here's how we would like to kind of help you steward that. Here's how we'd like to help you think through that. It's exactly what I'm doing with my children right now at this present time. They're 16, 14, 12, and 10. So I'm doing this right now with my own kids by teaching them. I'm not sitting down every single night and going through all this. I'm teaching this maybe once a week. Maybe at the dinner table, I'm teaching them something, or at least once a month. Then we might talk about this, or I might be working with one of them individually. Like right now, I'm doing that with my uh my oldest, Tyler Jr. But again, the transfer of wisdom, the timing of things, and the responsibility that they will receive, or that you need to pass down is so vitally important. King Success, listener, viewer, okay. If you've got them all the way to the end of this, I appreciate it. But you know, my call to action to you would be hey, if you would like to um share this with one person, greatly appreciate that. Just one, not 10, not blasting on your social media, just one person that might actually benefit from this episode. The second thing is I've actually got a book, a short book, an ebook based upon um uh family banking and actually having a purpose behind your family bank. If you're interested in that, you can actually click the link below and it'll shoot you out to uh actually a website that you can actually download that and get a copy of that. Okay. So, King of Success. Know that you're blessed, you're highly favored, you're empowered to prosper, you walk in divine health. The spirit of breakthroughs is on you, guys, and gang will catch you on the other side.