SeedTime Money (Christian living & Personal Finances)

So if you don't know our story, we have a pretty remarkable thing that God did in our lives with our mortgage. Essentially we went from being 2 years into a 30 year mortgage and then after obeying God within 9 months we had it paid off!  We have been sharing about this a bit on Instagram and it kickstarted a Reel that went viral-ish and has stimulated a lot of conversations, so we figured it would be good to create a full-length podcast discussing the whole thing. So grab your coffee or your smoothie, or whatever you like to sip on, and let's dive into an episode that's all about dreaming big, acting boldly, and watching God work miracles. 🙌   Resources Mentioned: Our Book, "Simple Money, Rich Life" - https://seedtime.com/smrl/  True Financial Freedom Class - https://seedtime.com/true/    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/DBrEyYzURjs)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a real treat. I had the pleasure of chatting with Chris McMurray, a pastor, author, business coach, and serial entrepreneur. Chris has a fascinating story that's been covered by national media, and he's the author of the book "Food Stamps to Franchise."   Why You Should Listen: Real Stories, Real Impact: Chris shares his incredible journey from struggling with debt and food stamps to building a successful business and becoming a voice in the national conversation. Faith and Business: Learn how Chris navigates the intersection of faith and business, making decisions based on principles rather than the heat of the moment. Risk and Reward: If you've ever been paralyzed by the fear of starting something new, Chris's insights into risk-taking could be the push you need. Cultural Influence: Chris passionately believes that the body of Christ should reclaim its seat at the table in cultural conversations. Hear why and how you can be a part of it.   Key Topics/Questions Covered: Chris's remarkable story involving Vice President Joe Biden, some ice cream, and how it catapulted him into the national spotlight. The importance of having a "why" in your business and life. How risk has played a significant role in Chris's journey and why it's essential for anyone looking to make an impact. The books that have influenced Chris the most in his business and spiritual life. The one message Chris wishes the entire body of Christ better understood.   Resources Mentioned:  Book: "Food Stamps to Franchise" by Chris McMurray  - https://amazon.com/Food-Stamps-Franchise-Workbook-Brokenness/dp/B0CFZFDS6Y  Book: "Creating Magic" by Lee Cockerell - https://amazon.com/Creating-Magic-Leadership-Strategies-Cockerell/dp/B00NBF0FQK/  Books by Henry Nowen: For spiritual grounding - https://amazon.com/stores/Henri-J.-M.-Nouwen/author/B000AQ4ZZ0  Wonder Works in Pigeon Forge, Tennessee: An indoor amusement park with a ropes course that taught Chris a life lesson about risk -  https://www.wonderworksonline.com/pigeon-forge/    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-4o_GHXZWcA)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today's episode is a special one, and I'm excited to share it with you. We're diving into a topic that's been on my mind a lot lately, and I think it's going to resonate with many of you.    What We're Talking About Today: A Fascinating Book Passage: I'm reading from "Five Wealth Secrets" by Craig Hill, and it's sparking some deep thoughts about financial principles in the Bible. Jewish Wealth vs. Christian Wealth: We're exploring an intriguing question: Why do Jewish people seem to prosper more financially? We're diving into the numbers and what they might mean. Old Testament Wisdom: Are we missing out on blessings by ignoring Old Testament principles? We're talking about tithing, the Sabbath, and more. It's not about being under the law; it's about understanding the blessings attached to God's instructions. Living Out the Principles: It's one thing to know Bible verses; it's another to live them out. We're challenging ourselves to study and live out the principles, both Old Testament and New.   Key Takeaways: Don't Dismiss Old Testament Principles: There may be blessings attached to living the way God has instructed, even in the Old Testament. Balance Knowledge and Action: Knowing where a Bible passage is located is great, but living out the principle is what truly matters. Seek Deeper Understanding: There's no limit to how deep we can go with God. Let's hunt down and chase after the blessings of God available to us.   Join us on this journey, and let's explore what God has for us together. If you have any stories or testimonies to share, hit us up on Instagram or email us. We'd love to hear from you. If you enjoyed this episode, please consider leaving a review on iTunes or wherever you listen to podcasts. Your feedback helps others find the show. Thanks for listening! 🎧   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friends, we are hosting a passive income workshop starting tomorrow!  But you got to get signed up to get access to it! THE ‘PASSIVE WITH PURPOSE’ WORKSHOP Join us LIVE on Sep. 27-29th at 5:30p PT | 7:30p CT | 8:30p ET You can sign up for the free 4-day event right here: https://seedtime.com/pwp   HERE’S WHAT WE’LL COVER: Day 1 – How Passive Income is God’s Idea (If You do it His Way) Day 2 – The Trap of Passive Income Without Purpose (and What to Do Instead) Day 3 – How to Find Winning Passive Income Ideas (My Winners, Losers, and Lessons Learned) Bonus Day – 2 Simple Ways to Get Started With Passive Income   If you want to hear the rest of my story, plus… The 4 myths & the honest truth about passive income that no one is talking about. How to avoid the biggest mistakes I made pursuing passive income. The simple way to begin crafting your passive income blueprint (with our HI/TF Strategy tool) so you can confidently know you are heading in the right direction. How, in as little as one hour a week, you can begin creating a passive income stream. And specific examples and LIVE demos with practical steps to kickstart your passive income journey. Then I want to invite you to come hang out with us LIVE on Sep. 27th at 7:30 CDT. You can sign up for the free 4-day event right here: https://seedtime.com/pwp

Welcome back to another episode of the SeedTime Money Podcast! Today we’re diving into some super cool stuff— the four biggest money secrets of millionaires that most people completely misunderstand. Seriously, you don’t want to miss this, it’s eye-opening! We're unpacking findings from a study by the Ramsey team that surveyed 10,000 millionaires and the results will shake up a lot of the myths you've heard about the actual habits of millionaires.    Why You Should Listen: Whether you've given a lot of thought to your financial journey or you're still figuring it out, this episode will light a fire under you. If you've been overwhelmed by misconceptions about what it takes to reach financial freedom, we're busting those myths wide open. For those who are looking to be more generous, create passive income streams, or just live a life that honors God financially, these insights are invaluable. Success leaves clues! By understanding the real habits and choices of millionaires, we can apply those lessons in our own lives and change our family trees for the better. Key Topics Covered: What percentage of millionaires do you think inherited their wealth? The answer will blow your mind. Spoiler: it's not what you think, and it's super encouraging! Think you need to rake in the big bucks to hit millionaire status? Think again. We share stats that show you don't need to earn nearly as much as you think. This is great news, friends! Contrary to popular belief, millionaires aren't all about that bling-bling lifestyle. We're diving deep into how millionaire spending habits actually look like, and yep, it's got a lot to do with good ol' wisdom. How many millionaires do you think carry a credit card balance? The stats will surprise you and offer us all a lesson.  Resources Mentioned: Study by the Ramsey team on 10,000 millionaires - https://www.ramseysolutions.com/retirement/the-national-study-of-millionaires-research  The Millionaire Next Door by Thomas J. Stanley - https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474  Glorify Bible app - https://glorify-app.com/  Find me on LinkedIn - https://www.linkedin.com/in/boblotich  Our Course: True Financial Freedom - https://seedtime.com/true/  Our book: Simple Money, Rich Life - https://seedtime.com/smrl/  Our 10X Investing course - https://seedtime.com/10x/    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/qFZlMZQhIUQ)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey there, friends! In this episode of the SeedTime Money podcast, we're diving into something that's been on a lot of your minds lately: How do you approach budgeting when you have an inconsistent or variable income? Trust me, I know it's hard, but I've got some insights to share with you that might just make it a little easier. But first, let's talk snacks! From dark chocolate mint creams to spiced cider, we're sharing our favorite Trader Joe's finds and getting excited for fall. And yes, even our four-year-old has some snack opinions to share!   Here's what you can expect from this episode: Our Favorite Snacks: We're kicking things off with a light-hearted chat about our favorite treats from Trader Joe's. If you're a snack lover like us, you'll want to tune in! Budgeting with Variable Income: This is the meat of the episode, where we dive into the challenges of budgeting when your income isn't consistent. We've been there, and we've got some strategies to share. Real Money Method Course: We'll talk about our Real Money Method course and how it can help you with your budgeting needs. Whether you're in the basic or plus package, there's something for you. Adapting to Circumstances: Life throws curveballs, and we'll discuss how to adapt your budget to whatever comes your way. It's not always fun, but it's necessary. Planning for Annual Expenses: Those once-a-year expenses can throw a wrench in your budget. We'll share how we handle them and how you can too. So grab your favorite snack, settle in, and let's talk money. Whether you're struggling with budgeting or just looking for some new snack ideas, this episode has something for you.    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/0fx6qywOotc)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're sitting down with Aaron and Jennifer Smith, the dynamic duo behind Husband Revolution, Unveiled Wife, and their podcast, Marriage After God. They've also written a new devotional called "The Marriage Gift," that is a fantastic way to expand on your prayer for your marriage.    Why You Should Listen to This Episode Real Talk on Marriage and Money: Aaron and Jennifer get candid about their early financial struggles and how they navigated them while keeping God at the center. The Power of Prayer in Marriage: We dive deep into why prayer is the ultimate game-changer for your marriage and how you can start implementing it today, even if it feels awkward at first. Advice to Newlyweds: What would Aaron and Jennifer tell their younger selves? The Intimacy of Prayer: We discuss why prayer is even more intimate than you might think and how it can transform your marriage. Jiu-Jitsu and Marriage?: Find out how the principles of Jiu-Jitsu can actually help you in your marriage.   Highlights and Takeaways Did you know that the divorce rate among couples who pray together is less than 1%? Mind-blowing, right? Believe What God Says: Aaron emphasizes the importance of truly believing in God's word and promises, especially when it comes to overcoming struggles in marriage. Keep Trying: Jennifer's advice to her younger self and to all of us is to keep trying, especially when things get tough. So, if you're looking to enrich your marriage, especially in a way that honors God, you won't want to miss this episode. Grab your spouse, hit play, and let's dive in!   Links: Marriage After God website- https://marriageaftergod.com/  The Marriage Gift devotional- https://amazon.com/Marriage-Gift-Devotional-Encourage-Transform/dp/0310367069  Marriage After God podcast- https://marriageaftergod.com/marriage-after-god-podcast/  The Unveiled Wife- https://marriageaftergod.com/unveiled-wife/  The Husband Revolution- https://husbandrevolution.com/marriage-god-podcast/  The Marriage Prayer Challenge- https://marriageaftergod.com/marriage-prayer-challenge/  Marriage After God on Instagram -  @marriageaftergod- https://instagram.com/marriageaftergod/    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/DUeFTt1xGtc)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, we're diving into a topic that's been a revelation in the making for years, and I'm thrilled to share it with you. We're exploring why money is the perfect idol and how all the things we look to money for are actually the things that God wants to be in our lives. Here's what you can expect from this episode: Why Money is the Perfect Idol: We'll break down how money can easily become an idol in our lives, replacing God in areas like provision, security, status, peace, joy, power, purpose, and identity. But don't worry, we'll also explore how to shift our focus back to God. Real-Life Examples and Revelations: From our ups and downs to the lessons we've learned, we're sharing personal insights that will resonate with you. Whether you're struggling with debt or seeking to grow in the Lord, there's something here for you. Practical Wisdom and Encouragement: We're not just talking about problems; we're offering solutions, encouragement, and motivation to get debt-free, save, and give. You'll hear about how God wants to be the source of everything in our lives and how we can live in that truth.   Remember, God's shovel is always bigger, and He wants to be the source of everything in our lives. Let's explore how to make that a reality together. P.S. If this episode sparks something in you, please share your thoughts and revelations with me. I love hearing from you and learning how God is moving in your life. Together, we can grow and make a difference.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/USmMN25-2M4)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

One of our 10x investing students asked a question that I get asked quite often: Should we invest in companies that we disagree with morally? This is a question that many Christians wrestle with, and we're diving deep into it. We explore two different approaches: Biblically Responsible Investing: Avoiding companies that don't align with our values. Infiltration Approach: Buying stock in those companies to influence change.   What else we are talking about: Prayerful Investing: We emphasize the importance of praying about our investments and recognizing that there's no one-size-fits-all answer. It's about what God has called you to do. Consumer Responsibility: We also discuss the impact of our spending habits and how being mindful of where we shop can make a difference. 10x Investing Course: If you're interested in learning more about investing and our approach, check out our 10x investing course at https://seedtime.com/10x. God's Work in the SeedTime Family: We share a wonderful review from a listener who found freedom from a scarcity mentality through our Real Money budgeting course.   Join the Conversation:We love connecting with you! Tag us on Instagram with a screenshot of the episode, and let's become friends. Whether you're a seasoned investor or just starting to think about your finances, this episode is packed with insights, laughter, and real talk. See you inside!   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/q0oMTyWCIb8)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we dive deep into the essential aspects of living a life that's present, intentional, and aligned with our true purpose. Today we are chatting with Mason King, the author of "A short guide to Spiritual Disciplines" about how we can steward tech in our daily lives (because it isn't going away) to have a healthier walk with God.   Here's what you'll discover: Dethroning the Digital Savior: How technology can become an addiction, and why it's essential to recognize our attention as our most precious commodity. Learn how to regain control over your digital life and break free from the dopamine loops that keep you hooked. The Journey with Technology: Personal struggles with technology and how they led to a profound realization about the importance of focus, presence, and intentionality in our lives. Strategies for Presence: From using apps like Freedom to block distractions to setting specific times for email and social media, discover practical ways to be more present with your family and in your life. Praying the Hours: A unique approach to prayer that helps you stay connected with God throughout the day, processing emotions and aligning your actions with your faith. Reading the Bible with Joy: Moving beyond the "check-off-the-box" mentality to a more intimate, face-to-face time with God through Scripture. Learn about techniques like Lectio Divina and how poetry can enrich your spiritual life. Remembering Mortality: The concept of "Memento Mori" and how keeping death in mind can lead to a more intentional and fulfilling life. Balancing Work and Family: How to set limits and boundaries to ensure that work doesn't overtake your personal life, allowing you to be fully present with your loved ones. And much more...   If you're feeling overwhelmed by the digital world, struggling to find balance in your life, or seeking a deeper connection with God, this episode is for you. Join us as we explore practical strategies, spiritual insights, and personal experiences that will inspire you to live a life of purpose and presence. Whether you're looking for ways to enhance your prayer life or seeking practical tips to reclaim your attention from the digital world, this episode has something for you.   Links and Resources Mentioned: A short guide to Spiritual Disciplines by Mason King- https://amzn.to/3KPma5w Freedom App- https://freedom.to  George Herbert's Poetry- https://amazon.com/Complete-Works-George-Herbert/dp/1975943090/  "The Common Rule" by Justin Early- https://thecommonrule.org  "The Paraphrase of the Soul" (Poetry Anthology)- https://amazon.com/Soul-Paraphrase-Treasury-Classic-Devotional/dp/1433558610#  Note: This episode is perfect for those who want to honor God with their attention, be more generous with their time, and find authentic and real ways to connect with their faith and loved ones. If you're looking to make huge improvements in these areas without feeling talked down to this episode is for you.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/YAvL0g2zMhE)!   If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.”  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.