

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

Feb 1, 2023 • 13min
A few things we are excited about...
Hey friends, today we are just chatting about some fun and exciting things happening and if you are part of this little SeedTime community, you have likely been part of them - so thank you! Oh and there might just be a mention of a $2k giveaway coming soon?!?! If you want more information about using our True Financial Freedom class (https://seedtime.com/tff) in your church, shoot me an email bob@seedtime.com and I can get you all the details! Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/d7ErDN3tvX4)! 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.

Jan 28, 2023 • 13min
Larry Bird was mocked from teammates for saving money then this happened…
Famed basketball legend, Larry Bird, was apparently mocked by his teammates because he didn’t spend his earnings recklessly (like so many NBA players). There are some lessons here for us all to take... Links: Original article: https://basketballnetwork.net/.amp/off-the-court/larry-bird-remembers-when-players-that-later-went-bankrupt-made-fun-of-him-for-saving-his-money MSNBC article: https://msnbc.com/msnbc/one-six-retired-nfl-players-go-bankrupt-study-finds-msna574311 Our Book - Simple Money, Rich Life: https://seedtime.com/smrl/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/bW-DbPnWx9E (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Think being a multi-millionaire athlete guarantees financial security for life? Think again! Are you making smart decisions with your money? Unlock the secret to wise money management Avoid emotional pitfalls and make sound financial choices How your giving can make a lasting impact on eternity Are you in control of your financial situation? Imagine the life you want to live and start planning for it today What are your current savings goals? And are you on track to achieve them? 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.

Jan 25, 2023 • 26min
C.S. Lewis' 1 rule about giving
I decided to dig into what C.S. Lewis, the great theologian, had written about money over his years of writing. And I was fascinated by what I found. One of the most striking things was that in all his studies of the Word, he boiled all his thoughts and beliefs about Biblical giving and generosity down to one simple rule that we all can follow. Links Mentioned: Our YouVersion Bible Reading Plan "C.S. Lewis' 1 Rule About Giving - https://www.bible.com/reading-plans/34377-cs-lewis-one-rule-for-giving-generosity God Runs My Business: The Story of R.G. LeTourneau - https://www.amazon.com/God-Runs-My-Business-LeTourneau/dp/B0007DQGS0 Podcast Episode: Our favorite Biblical hack to make giving easier and fun - https://directory.libsyn.com/episode/index/id/25241292 Financial Verses about Prayer - https://seedtime.com/financial-verses-prayers/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/01Zob_8cjm0 (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: The Apostle Paul's financial wisdom Does poverty frighten you? What your money says about your heart Are you depending upon money, or upon God? What does true financial freedom mean to you? How do you handle the storms in your life? When God gives you a vision, He will also provide the provision What can you say no to, so that you can say yes to giving? How to store up treasure in heaven Why you should pray for your finances 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.

Jan 21, 2023 • 24min
Crypto & Bitcoin 101 (this should be required listening for every person)
Today I want to do something a little bit different. I’m talking about Bitcoin and Cryptocurrency on a 101 level. Regardless of whether you have any interest in crypto, i'd love for you to understand this so you don't fall into the 2 most common crypto camps: those who thing it is a ticke to get rich quick and those who say it is ALL a scam. THIS is the message that I want everyone to hear and understand about cryptocurrency... Links: Sound Mind Investing Newsletter sign up - https://soundmindinvesting.com (use code SEEDTIMESMI to get 25% off) Our 10x Investing course - https://seedtime.com/10x Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/47RQfvTHLrI (Please note: links mentioned may be affiliate links that help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why you should know about cryptocurrency (at least a little) Understanding cryptocurrency (i.e. blockchain, Bitcoin, Ethereum, tokens, etc.) Why is crypto investing so volatile? What is the safest crypto investing option? Why we should think of blockchains like the journey of the iPhone What to know about decentralized finance And a lot more... 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.

Jan 17, 2023 • 10min
Please don't ever say this to us
So many financial experts do this and I've had this happen to me so many times over the years. So please don't ever say THIS to us... Links Mentioned: True Financial Freedom Course - https://seedtime.com/tff Simple Money, Rich Life - https://seedtime.com/smrl These are a few of the topics we cover: Worrying about what others think of your purchases Feeling judged for your financial situation Are you relying on external sources in finding your identity? How to find true financial freedom You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/o-7ZxI4qxvo)! 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.

Jan 14, 2023 • 12min
How I gave away $1,000,000
When Linda and I tied the knot, we set a goal for ourselves: to give away as much money as possible. We knew that with God's help, anything is possible. Even though we didn't have much to begin with, by His grace we managed to give away a $1 million by the time we hit 40. None of this would have been possible without God's grace. And the only way we were able to keep track of our progress was by monitoring what we call our 'Net Given' - it's a number that's crucial to keep an eye on. Check out this episode for more on all of this! And this episode is pulled from a YouTube video we shot, so if you want to watch you can do so here: https://youtu.be/xW-Sh8z0uR4 Links: Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Net Given spreadsheet download - https://seedtime.com/ng/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why you should invite God on your giving journey The importance of writing down your goals Do you think eternally as a Christian? What you should track instead of your Net Worth Does your budget include a giving category? Have you challenged yourself to give more? 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.

Jan 8, 2023 • 11min
Dave Ramsey & Suze Orman actually agree on this...
So what is the thing that Dave Ramsey and Suze Orman actually agree on? And that we agree with them as well? You will just have to listen to find out!! Links: PolicyGenius: https://seedtime.com/PG (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) A few topics we cover... Something no one wants to talk about, but you should! Will your loved ones be taken care of when you pass away? What happens if you die unexpectedly, will you be prepared? Have you taken stock of your situation lately? The best source to find the right life insurance for you! The need to re-evaluate all existing insurance policies Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/6dGbZeCFkpo)! 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.

Jan 7, 2023 • 6min
Medishare: I just saved $780 in 5 mins with this little known deal for members
Calling all Medi-Share users! There’s a secret I want to share with you. They offer a little known program that is saving us $780 that most members miss out on. Oh and it only took my 5 minutes to get it. This is pulled from a YouTube video where I explained how you can take advantage of this… If you want to see the screen check it out here: https://www.youtube.com/watch?v=TLddbBs4J_s Links Mentioned: Blood pressure monitor: https://amzn.to/3PJP7AR Curious about joining Medishare? See what it would cost for your family on Medi-Share: http://seedtime.com/2/medishare.php and if you join tell them we sent you and we will send you a $100 Amazon gift card. Just email me at bob@seedtime.com to let me know! (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: What is Medi-Share? How you can save hundreds, or even thousands, with this little known secret How to be healthier and save money at the same time 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.

Jan 6, 2023 • 22min
(Devo) Get wisdom!
As we begin a new year, Linda and I are making 2023 the “Year of Wisdom.” Because now feels like a great time to begin growing in wisdom…and we need it more than ever. Links Mentioned: DM us on Instagram - @SeedTime- https://instagram.com/seedtime These are a few of the topics we cover: How to invite God into finding your focus How to change how others perceive you What you can do daily to unlock the treasures of true knowledge Why Larry Bird was mocked by his teammates Why the Bible is known as the Living Bible The beneficial byproduct of seeking after wisdom It doesn't matter how wise you are right now, you can always get more wisdom 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.

Jan 5, 2023 • 5min
Want to join our LIVE workshop?
Thursday, January 12th at 7:30p CST / 8:30p EST we are hosting a LIVE workshop to help you make 2023 your best financial year ever! Just visit https://seedtime.com/workshop to get enrolled INSIDE I’LL SHOW YOU HOW TO: Identify your biggest money savings opportunities to save $1k or more this year. Create your 2023 budget/savings plan And break it down into a simple, step-by-step 30-day checklist SO YOU CAN: Make progress towards your big financial goals in the next 30 days… In just 30 mins to an hour each day… And make 2023 your best financial year yet! And if you want to check out our New Years financial course bundle sale at 52% off you can find it here: https://seedtime.samcart.com/products/real-money---new-years-bundle We hope to see you there! And feel free to share this with any friends who should be there with us! 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.