SeedTime Money (Christian living & Personal Finances)

Let’s be honest—grocery prices are out of control. If you feel like you’re spending WAY too much on food, you’re not alone. In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love.   🚀Inside this episode, we cover:  The BIGGEST grocery store mistake (and how to stop making it)  How to meal plan like a pro (even if you hate meal planning)  The secret grocery store timing trick that can save you 30%+  Why we stopped using Green Chef (and what we’re doing instead)  Costco vs. Aldi vs. Trader Joe’s—what’s ACTUALLY worth it?   📚Resources Mentioned: Article Mentioned -  https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html  Instacart – How we use it to avoid impulse purchases - https://www.instacart.com   Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com   Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking   My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX  How to Find Grocery Store Sales – A deep dive into the best times to buy.     💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/c3UtEC54STA)!   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.  

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process.   🔎We’re talking about: The #1 mistake couples make with money (and how to fix it fast) How to plan your finances together without it turning into an argument The controversial topic of joint vs. separate accounts—what actually works? Why budgeting isn’t just about numbers—it’s about freedom and alignment The secret sauce that divorce-proofs your marriage (seriously, don’t skip this one)   🎯One big takeaway?  Money isn’t just about dollars and cents—it’s about unity, trust, and making sure you’re working as a team. Whether you’re newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it.   🎙️Listen now and start winning with money AND marriage!   📚Resources Mentioned: His and Her Money Podcast – Hosted by Talaat & Tai McNeely (hisandhermoney.com) Chuck Bentley – CEO of Crown Financial Ministries (crown.org) Crystal Paine – The Money-Saving Mom (moneysavingmom.com) Budgeting Tools – YNAB (youneedabudget.com) & EveryDollar (everydollar.com) Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21   👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this!   💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/b58UEKRjeKY)!   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 800 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.

How did we crush a 30-year mortgage in just 3 years? We’re breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too.   🔎In this episode, we cover: The radical mindset shifts that changed everything. Why you should never let the bank dictate how much house you can afford. The power of prayer and giving (and how they impacted our finances). Tools and strategies we used to track every dollar (and why most budgets fail). How discovering and monetizing your God-given gifts could be the key to financial freedom.   Plus, we’re sharing personal stories, practical tips, and the scripture that guided us on this journey.   📚Resources Mentioned: Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free Empower Personal Dashboard: empower.com Rocket Money App: rocketmoney.com Real Money Method - Learn more on: SeedTime.com/realmoney   👉 Don’t forget to leave a review—it helps more people hear this life-changing message!   🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_K1ri6q_Kbo)!   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’re diving deep into an astonishing truth about Heaven’s streets of gold and what it teaches us about abundance, provision, and God’s priorities. Spoiler: Heaven’s economy makes Earth’s GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God. 🔎Here’s what you’ll learn: The mind-blowing value of Heaven’s streets (hint: 67 quintillion dollars worth of gold). Why God uses gold as pavement and what it tells us about His priorities. A.W. Tozer’s insight on the most important thing about you. How understanding God’s abundance can change your financial perspective. Practical encouragement for trusting God through financial struggles.   📚Resources Mentioned: Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl Bible References: Revelation 21, Matthew 6:26, Philippians 4:19. More about Heaven’s streets of gold: Revelation 21   👉 If this episode encouraged you, share it with someone who needs hope today!    🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/GOmsHYD2fTw)!   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 of the SeedTime Money Podcast, we’re breaking down 6 game-changing money moves you can make with just $1,000. Whether you’re hitting this financial milestone for the first time or you’re ready to maximize your savings, these steps will help you make smarter decisions with your money today.   🔎 I’ll Cover: A passive way to dip your toes into real estate investing with just $10 (yes, seriously). Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one). How investing in your financial education can literally change your life. A free tool to calculate when you’ll be able to retire and stay on track. Why the right credit card can actually work in your favor. How to protect your money from fraud and hackers (don’t skip this step!).   💡Resources Mentioned: Fundrise: A simple way to invest in real estate – https://seedtime.com/fundrise-1000 CIT Bank: High-yield savings account – https://seedtime.com/cit-1000 Motley Fool Investing Course: https://seedtime.com/motley-1000 SeedTime's 10X Investing Course - https://seedtime.com/10x  Empower Retirement Planner: https://seedtime.com/pc-1000 Chase Sapphire Preferred Credit Card: https://seedtime.com/sapphire-1000 LifeLock Identity Protection: https://seedtime.com/lifelock-1000   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 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.

If you’ve ever thought, ‘I’ve been through something life-changing—I need to share this,’ then stop scrolling. This episode is for you. We’re diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I’ve ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business. This isn’t fluff. It’s a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality.   🔎We’ll Cover: Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model. The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational). Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus’ example of going deep with 12 disciples. Why one type of person is WAY easier to sell to and how to create offers that provide massive value. The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care. Practical exercises to identify and overcome fears holding you back. How to discern if coaching is your God-given calling and whether it’s the right time to start.   📚Resources Mentioned: Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob You’ll get two free resources for scheduling! ‘High-Ticket Offer’ Template: A step-by-step guide to creating your first high-ticket coaching offer. How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you’re bad at marketing. Bible Verses Mentioned: Proverbs 1–9: The importance of wisdom and choosing the right voice. James 1:5: “If you lack wisdom, ask God, and He will give it generously.” Jeremiah 33:3: “Call to me, and I will answer you and tell you great and unsearchable things you do not know.”   🎯Action Steps: Pray and ask God if coaching is the right step for you. Reflect on the transformation you’ve experienced in your life—this is the foundation of your coaching offer. Use the free tools provided in the episode to create your first offer and marketing plan. Take the first step: Schedule a free strategy session to refine your vision and start building your business.       👉 Listen now and start building your $10K/month coaching business today!   🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/UOdpcehveJU)!  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.

Deanna Zubrikas, a Relay Bank team member and expert in the Profit First methodology, shares her insights on transforming business banking. She discusses how traditional banks can hinder entrepreneurs with fees and poor service, while Relay offers fee-free accounts and innovative features. Deanna explains the benefits of integrating Relay with the Profit First method for better financial management. Listeners will also learn about Relay's exciting upcoming features like a new credit card and enhanced payment requests designed to streamline their processes.

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact. You'll discover: How Western Christians are sitting on a $100 billion opportunity for kingdom impact The shocking truth about what percentage of Christian giving actually reaches global missions Why being "rich toward God" looks different than most people think How a failed actor became an unlikely expert in kingdom investing The surprising joy that comes from radical generosity What George Mueller's legacy in China teaches us about strategic giving   Key Stats That Will Challenge You: Only 2.5% - What Western Christians currently give Only 0.25% of Western Christian giving reaches outside the West $30,000/year puts you in the top 1% globally What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free God Calling Devotional Organizations Referenced: • Five Talents • Jesus.net • 500K in India SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lnBFd_cSYJQ)!  

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right? In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month. In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs.    You'll discover: Why God's best often looks like career suicide Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions What Peter teaches us about calculated risk-taking The Hidden Cost of Playing It Safe (and why doing nothing is still a decision) Our proven 3-part framework for evaluating major life decisions   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Fear Setting Worksheet: https://seedtime.com/fearsetting Tim Ferriss's Fear-Setting Exercise (Referenced) Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story) SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/FifSPa5hUlc)!   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.

I never thought changing ONE simple shopping habit could save us thousands... But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits. In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries.  You'll discover: The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items The Costco Paradox: How spending more per trip actually saves thousands per year Our controversial take on grocery delivery services (and how we use them to SAVE money) The biblical principle behind smart grocery shopping that most people miss Why managing your grocery budget could be more spiritually significant than you think   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Instacart Gift Cards at Costco ($100 value for $80) Wild Pastures (Meat Delivery): https://wildpastures.com Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts Amazon Subscribe & Save SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m   Stats Worth Noting: Average American wastes $2,000+ per year on food Potential savings of $3,000/year just by changing where you shop Our findings align with research from leading data science firms about grocery store price variations   Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KP9glzjHEbY)! 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.