

SeedTime Money (Christian living & Personal Finances)
Bob Lotich, Linda Lotich
God’s put a dream on your heart. Don’t let money get in the way.
Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.
Oh and we have a different take on money than most financial experts. We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do.
Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.
We help you spend less time thinking about money while getting better results.
The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:
- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40
Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.
And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book ‘Simple Money, Rich Life’ or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.
Find out more at https://seedtime.com/
Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.
Oh and we have a different take on money than most financial experts. We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do.
Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.
We help you spend less time thinking about money while getting better results.
The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:
- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40
Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.
And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book ‘Simple Money, Rich Life’ or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.
Find out more at https://seedtime.com/
Episodes
Mentioned books

Aug 27, 2023 • 21min
Our 14 point checklist we used to give $1 million (Part 2)
Today, we dive into the 2nd part of looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals. So, see you on the inside! Want our 14-point checklist? DM @seedtime (https://instagram.com/seedtime), or send an email to bob@seedtime.com and request your free PDF copy! Links: Our book: Simple Money, Rich Life - https://seedtime.com/smrl/ True Financial Freedom Class - https://seedtime.com/true/ Real Money Method - https://seedtime.com/realmoney/ 10x Investing Course - https://seedtime.com/10x/ How to find your REAL hourly wage in 10 minutes - https://directory.libsyn.com/episode/index/id/25268184 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/cqRrs9_GFf4)! 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.

Aug 24, 2023 • 25min
Our 14 point checklist we used to give $1 million (Part 1)
Today we are looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals. So, see you on the inside! Want our 14-point checklist? DM @seedtime (https://instagram.com/seedtime), or send an email to bob@seedtime.com and request your free PDF copy! Links: Our book: Simple Money, Rich Life- https://seedtime.com/smrl/ True Financial Freedom Class- https://seedtime.com/true/ Real Money Method- https://seedtime.com/realmoney/ 10x Investing Course- https://seedtime.com/10x/ How to find your REAL hourly wage in 10 minuteshttps://directory.libsyn.com/episode/index/id/25268184 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/cqRrs9_GFf4)! 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.

Aug 21, 2023 • 13min
10 things only our closest friends know about us...
We recently took a road trip and recorded this episode from our phone at a rest-stop. But, if you want to know get to know us a bit better, this episode will give you a peek into who Bob & Linda are! Enjoy! Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtube.com/live/bh3Qnv5LO1c)! 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.

Aug 7, 2023 • 45min
The 'Chaos Loop' and the 'Freedom Loop'
Inside, I’m going to show you the 4-step process that can stop negative, reactive spending habits in their tracks and get you on the path to saving, giving, and enjoying more of your money: **Identifying** the biggest (and messiest) money opportunities with the ‘RFC’ matrix. **Managing** your biggest opportunity with the 80/20 Budget. **Redirecting** the surplus where you want it to go (practicing JOMO instead of FOMO). **Enjoying** the margin you create from decluttering (how to spend more on what brings you joy). Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/b__yWggOU5s)! 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.

Jul 29, 2023 • 36min
If you're doing well financially (make sure to do these 2 things)
Today we are taking a listener question and discussing some of the keys to handling money and our hearts when things are going well, as well as when they aren't. A little of what we are covering: Ever noticed how pride sneaks up on us during financial highs and evaporates during lows? Let's decode this emotional rollercoaster and the unseen challenges of financial success. The two tests I believe God throws our way to measure our real success. Hear personal stories from my life's highs and lows, revealing how gratitude and pride can change shades in different circumstances. Two practical actions and daily practices to infuse gratitude in your life and keep financial pride at bay. This episode is not just about handling your financial blessings. It's about transforming how you perceive these blessings and what you do with them. Prepare to change your perspective on financial success, learn how to guard your heart against pride, and embrace gratitude with practical actions. If you've ever felt challenged by the delicate dance of success and humility, this episode will provide a new rhythm to your journey. It's time to redefine your relationship with money, balance your heart's pride and gratitude, and be a more mindful steward of the resources you have. Remember, building wealth isn't just about numbers—it's about nurturing your character and grace too. See you on the inside. God bless! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/VTeHaiqN15s)! 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.

Jul 21, 2023 • 23min
The problem with "the sound of freedom" that we need to be talking about...
Have you seen "the Sound of Freedom" yet? Well, we just saw it and there is something we all need to be talking about with it. 🔑 Key Topics Covered: Awareness of human trafficking Impact of "The Sound of Freedom" movie The spiritual aspect of money management Motivation to "earn all I can" for giving What you do matters on the earth Taking action with A21 and Our Rescue Links: The Sound of Freedom Movie- https://angel.com/pay-it-forward/sound-of-freedom John's Real Money Method story- https://vimeo.com/787744583 Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Our Courses at SeedTime- https://seedtime.com/courses Tim Ballard and Our Rescue- https://ourrescue.org A21 organization and ending slavery - https://seedtime.com/a21 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yKyZbIGeNoo)! 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.

Jul 16, 2023 • 24min
I quit social media for 365 days. These are the 4 life-changing lessons I learned
This is a bit of a personal episode where I am sharing my story of stepping away from social media for a year and the massive impact it had on my life. Trust me, this episode is gonna make you rethink your relationship with social media and might even inspire you to take a break yourself. What To Expect: The Art of Presence: Ever wondered what being more present could do to your relationships and spirituality? Redefining Social Interactions: Are you afraid that losing touch with social media means losing connections? I was terrified! Join me as I share the unexpected turn my personal connections took during my social media fast. A Pathway to Contentment: Discover how stepping away from social media led me to an unforeseen wellspring of contentment. I talk about how breaking free from the unending stream of comparisons and achievements on social media paved the way to more contentment. The Continuum of Life: What happens when you go off the grid? I share a humble yet eye-opening realization. Whether or not you decide to take a social media fast, this episode is an invitation to reflect on where your time and focus are channeled. Together, let's weigh the eternal impact and the higher calling beyond the quickly fading thrills of likes and shares. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/0qDAED8KoOY)! 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.

Jul 6, 2023 • 31min
10 money books that changed my life...
On our 10x Live investing workshop (https://seedtime.com/replays) we hosted last week we gave away a couple stacks of books that deeply impacted how I handle money. And a bunch of you kept asking for the list, so here we are. Now at this point I have read about 100 money books over the last 15 years. And this list is the 10 or so that have made a significant impact on my thinking or behaving with money. Some are written by Christians and some are not. I don’t agree with everything anyone says or writes regardless of whether or not they are a Christian, so I chew the meat and spit out the bones and encourage you to do the same thing! #1 https://amzn.to/3Py7JWn #2 https://amzn.to/46n9Q5v #3 https://amzn.to/3JA15Lt #4 https://amzn.to/3Psn3ny #5 https://amzn.to/42XHJa1 #6 https://amzn.to/3CNeoV1 #7 https://amzn.to/3JWbilV #8 https://amzn.to/42XHJa1 #9 https://amzn.to/46jI6yN #10 https://amzn.to/3XzVgDF #11 https://amzn.to/3qZTqzH Additionally, there are some other fantastic money books out there that are NOT on this list. But these just happen to be the ones that spoke to me most at the time I read them. And as a little shameless plug to possibly save you a little time, part of why I wrote Simple Money, Rich Life was to be able to distill everything I learned in these 100 books into 1. So if you want the best nuggets from most of these books you will find it all rolled up in our book Simple Money, Rich Life which you can get with free shipping here: https://seedtime.com/smrl It was named the 2022 Book of the Year by ICFH and has over 300 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. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/fh2VLluLHQE)!

Jun 30, 2023 • 18min
If you aren't 'blessed' financially, are you doing something wrong?
Are You Doing Something Wrong if You Aren’t Financially Blessed? That's the question we are tackling today and I promise you, this topic is just the tip of the iceberg of what we’re about to unfold. Here's a little of what we are discussing today: Redefining Blessed: We tackle the big question - what does being “blessed” really mean? Is it just about the dollars in your bank account, or is there more? This episode might just change how you look at the world. Social Media Mirage: We’re spilling the beans on social media’s “highlight reels” and how they mess with our minds. You might think everybody’s killing it except you. But, is that really true? Count Your Blessings: No, seriously, count them. We chat about gratitude, the importance of cherishing the little things, and keeping your focus on what truly matters. Sometimes, it’s about re-centering your heart. Seed Time & Harvest: We explore the powerful concept of sowing and reaping. Sometimes you’re planting seeds and it doesn't seem like much is happening. But stay patient, my friends. There’s a time to reap what you sow. Asking the Right Questions: Are you asking, “What am I getting out of this?” Instead, let’s pivot to “What can I give or put into this experience?” We're flipping the script! Is It You, or Is It Timing?: We talk about those seasons when you feel like you’re in a rut. Is it because you’re doing something wrong, or is it just not the right time? Hang tight, breakthroughs are real! Wise Counsel vs. The Noise: It's important to surround yourself with people who can provide honest feedback and encouragement. Learn how to discern between genuine counsel and the noise. Embracing the Ups and Downs: Life is full of cycles. We discuss embracing the seasons of life, both the challenges and the triumphs. There's wisdom and growth in every season. Whether you’re looking to build wealth, find contentment, or understand the season you’re in, this is an episode you don’t want to miss. Let’s embark on this journey together and remember - we're all in this crazy thing called life together. Hit play and let’s get this party started! 🚀 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/uvsXXLhX6bk)! 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.

Jun 13, 2023 • 27min
7 Things I know about money now that I wish I knew in my 20s (& 30s)
In this podcast, the hosts share seven crucial financial truths they wish they knew in their twenties, including the importance of becoming a money scholar, the power of discipline, demystifying debt, the long game of investing, living below your means, and the power of seeking help. They also discuss investing in stocks of products you love and the importance of not comparing yourself to others.