

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

Dec 28, 2021 • 22min
3 Side Hustle Ideas for 2022
There has never been a better time than now to have a side hustle! Earning extra cash can be done by just about anyone. In this episode, Linda and I are sitting down with Peggy Leyden to discuss the 3 side hustle ideas she and her husband took advantage of during the pandemic that paid well! We encourage you to try one (or all) of these ideas! Links Mentioned: Make money decluttering your home (I made $2k) - https://youtu.be/Or1kKO6_KwA How to pay off debt on a low income (paying off $80k+) - https://youtu.be/zyHoqesH544 Minimalism & Decluttering with Joshua Becker - https://youtu.be/aq56KW_foeQ Minimalism for Beginners with Joshua Becker [AUDIO] - https://youtu.be/ABz4Licnol0 How to sell on eBay for beginners [Step-by-step guide] - https://youtu.be/iWw6UbQn_oU Will it sell on Ebay? What to sell from around your house - https://youtu.be/PWgRC4YWuQ8 How to tell how much something will sell for on eBay - https://youtu.be/_9pHkW-nBtI 12 Best Side Hustle Ideas [That Pay Well] - https://youtu.be/iJ-lR2v9n9k 30 Passive Income Ideas [for 2021 and beyond] - https://youtu.be/6RSqgJieFes Leyden Consulting - https://www.leydenconsulting.com (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: How to make extra cash by cleaning out your closet An easy way to earn gas money for your daily commute A fun way to make money that also brings joy into your home Find out more at https://SeedTime.com 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.

Dec 6, 2021 • 13min
Crypto...The future? A hyped bubble? & How I am investing in it
Is Crypto the future when it comes to investing? It’s difficult to take risks on anything new and we may be hesitant to experiment. I view my job as an experiment with my money to find out what works and what doesn’t. I take the risk to learn new things so you don’t have to! Recently, I’ve been learning about Crypto. Join me as I discuss what all the Crypto hype is about and how I’m currently investing in it. Links Mentioned: SeedTime 10X investment course - https://seedtime.com/10x Subscribe to SeedTime emails - https://seedtime.com/subscribe Passive Crypto Investing Strategy - https://theplanrocks.com/wigglefactor-2/?aid=e13o13 (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 future of money Is Crypto a big bubble right now? My start in Cryptoland How I am investing in Crypto now Find out more at https://SeedTime.com 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.

Nov 29, 2021 • 13min
Why I am not ANTI credit cards
Everybody knows Dave Ramsey hates credit cards. And it's funny, people just assume that I feel the same way. However, we don't share the same credit card philosophy. I'm not ANTI credit cards, just like I'm not anti mortgage or anti car loan. Now there are facets that we do agree with and we're gonna talk about that. So join Linda & I as we discuss our credit card philosophy! Links Mentioned: Our Sapphire Preferred Credit Card review- https://seedtime.com/chase-sapphire-preferred How we travel for free - https://seedtime.com/free-travel (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: My credit card philosophy Credit cards are financial tools When it comes to personal finance you need to know yourself Find out more at https://SeedTime.com 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.

Nov 22, 2021 • 15min
The 3 types of tithing, and the 2 you shouldn't do
I've been writing about money, for money to Christians, for the last 14 years. And I get a lot of questions about tithing. There's nothing more controversial that I've ever written than on this topic. I found an awesome article by Dean Shriver that Linda and I thought was very interesting. We’re going to be discussing it and sharing with you the 3 types of tithing and the 2 you shouldn’t do! Join in! Links Mentioned: Tithing article by Dean Shriver - https://www.sermoncentral.com/pastors-preaching-articles/dean-shriver-can-we-preach-the-tithe-648 Giving our age as a percentage - https://seedtime.com/giving-our-age (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: Old covenant tithing New covenant tithing Tithing as worship Find out more at https://SeedTime.com 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.

Oct 18, 2021 • 12min
5 mindless money habits that save $10,128 a year
So many of us spend money that we don’t realize we’re spending. Linda and I want to help you instill 5 mindless money habits that can save you a lot of money each year! We’re big advocates of budgeting and we were not surprised that this habit made the list, but we found some new money saving habits that are pretty cool! Links Mentioned: Article by Rachel Gideon - https://medium.com/financial-independence-retire-early/the-5-mindless-money-habits-that-save-me-an-effortless-10-128-a-year-6acf175efe SeedTime Real Money Method course - https://seedtime.com/realmoney (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: Having designated shopping days Capping your spending Journaling to save you money Find out more at https://SeedTime.com 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.

Oct 11, 2021 • 24min
7 things people who are good with money NEVER buy
We found a list of the “seven things that people who are good with money never buy,” that we want to share with you! Linda and I are going to go through this list and see how we stack up. And you can judge for yourself to see how you're doing, too. Let’s see if we are good with money or not! Links Mentioned: Original Business Insider article - https://medium.com/business-insider/7-things-people-who-are-good-with-money-never-buy-70cfff912729 Chase Sapphire Preferred Credit Card - https://seedtime.com/chase-sapphire-preferred How we travel for free - https://seedtime.com/free-travel Freedom Co - https://freedomcompany.co (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 buying a used car is a better financial choice How to determine if you can afford a house Your wedding day is just one day Find out more at https://SeedTime.com 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.

Oct 4, 2021 • 9min
Should teens invest? (My unconventional answer)
Recently a reader asked me if her 17 year old should invest. And, I have an unconventional answer when it comes to teens investing that you may find interesting. But there is one thing teens should NEVER do when investing that I cover in this episode of the podcast. Even if you’re not a teen (or have a teen) and you’re curious about investing I invite you to listen to this episode! Links Mentioned: My 📈 investing course: https://SeedTime.com/10x These are a few of the topics we cover: When should someone start investing My advice of what not to do when it comes to investing Our investing course: 10X Investing My investing mentor Find out more at https://SeedTime.com 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.

Sep 27, 2021 • 21min
The 3 best investing lessons I learned from my millionaire mentor
Today we're talking about some of the three of the best investing lessons I learned from my millionaire mentor. Linda and I share with you our return on investing results, the before and after of the lessons that he gave, and we will also let you know how you can get started investing! Links Mentioned: SeedTime 10 X Investing Course - https://seedtime.com/10x (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 cars are important in terms of financial success How you can be eating away at your financial potential How to proactively manage your money The safer way to start investing Find out more at https://SeedTime.com 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.

Sep 20, 2021 • 31min
Linda is overwhelmed and torn between work and family
Calling all moms! If you find yourself torn between your work and your family, that tension probably has you feeling overwhelmed. Know that you’re not alone! Linda invites you to some girl chat with Michelle and Somer, from She Works His Way, as they discuss being a working mom, and just a mom in general. And, that you can find true rest in Jesus! Links Mentioned: She Works His Way (website and community) - https://sheworkshisway.com She Works His Way Book: https://www.amazon.com/She-Works-His-Way-Get-Things-Done/dp/0764237691 (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: Giving your tension over to God Choosing God’s way daily You are given permission to rest How your husband can help you Find out more a https://SeedTime.com 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 30, 2021 • 16min
Hiding purchases from your spouse? (Listen to this)
Linda and I talk about hiding purchases from your spouse. If you do this, you need to watch this. Or if you have a spouse who does this, you probably need to talk about it together. Join us as we share with you how we solved hiding purchases in our marriage! Links Mentioned: Follow SeedTime on Instagram (@seedtime): https://www.instagram.com/seedtime SeedTime Real Money Method course (the budgeting method we used to overcome hiding purchases in our marriage!) - https://seedtime.com/realmoney (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: Realizing how your addiction is affecting your finances How to solve hiding purchases in your marriage Knowing how to support and communicate with your spouse Find out more at https://SeedTime.com 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.