

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

Jun 8, 2020 • 20min
30 purchases that will start saving you money today
We’re always looking to save money where we can. What if I told you that spending money today can actually save you money in the long run? Join Linda and I as we tell you about 30 purchases that will start saving you money immediately! Links Mentioned: Source article: https://www.msn.com/en-us/money/personalfinance/30-purchases-that-will-start-saving-you-money-immediately/ss-BBYASK8?li=BBnb7Kz#image=1 Produce Keeper: https://amzn.to/3aHmLlC Smartphone Protector/Screen Protector: https://amzn.to/3aJLBRN Window Insulation Kit: https://amzn.to/3aMLS6C Electricity Usage Monitor: https://amzn.to/3dV2afG Oven Thermometer: https://amzn.to/2wROSQp Groupon: https://www.groupon.com/ Insulated Lunch Bag: https://amzn.to/2xTYI47 Food Vacuum Sealer: https://amzn.to/2RbHy96 Reusable Water Bottle: https://amzn.to/2UFNhGe Shower Timer: https://amzn.to/2wVtg5I Wool Dryer Balls: https://amzn.to/2V08SbC Multi-use Cooker - Instapot: https://amzn.to/2JC7Yww Rechargeable Batteries: https://amzn.to/2V1jjf1 Food Dehydrator: https://amzn.to/349CIhQ Reusable Swiffer Pads: https://amzn.to/2XbDQzV Tire-pressure Gauge: https://amzn.to/3dTflO0 Basic Sewing Kit: https://amzn.to/2JHjLtz SodaStream: https://amzn.to/2X8AMEN Small Chest Freezer https://amzn.to/3dV6f3n Heated Mattress Pad: https://amzn.to/2X9kj3h Solar Holiday Lights: https://amzn.to/2wiFQLY Espresso Machine: https://amzn.to/2JEDFW3 Low-flow Showerheads: https://amzn.to/39LSxfM Amazon Prime: https://amzn.to/2VfXYi7 Ceiling Fan: https://amzn.to/2XacwC8 (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: Buying Items That Pay For Themselves, And Then Some! Local Coupon Books Warehouse Club Memberships Meal-kit Deliveries 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.

Jun 1, 2020 • 30min
We couldn't believe God asked us to give this away
Have you ever wanted something only to realize that God has something better in store for you? When we listen, obey and trust God… amazing things are in store! This is the story of the insane thing God asked us to give away and what happened as a result. Links Mentioned: The Opposite Life by Alex Seeley - https://www.amazon.com/Opposite-Life-Unlocking-Mysteries-Upside-Down/dp/0718075102/ (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: Listening, Obey and Trusting God God’s Plans for You are greater than you can imagine The Lord Will Provide Giving and Generosity 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.

May 25, 2020 • 35min
10 common budgeting questions answered
Join Lauren, Linda and I as we discuss the 10 most common budgeting questions from our Real Money Budgeting students. Even if you aren't in our Real Money course, you get to tag along as we answer these questions as well as the life changing benefits of having a budget. Links Mentioned: Our Real Money Budgeting 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: Why You Should Have A Budget Finding Out How Much You Actually Spend Having Financial Accountability 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.

May 18, 2020 • 9min
Prayers for finances - our new devotional
We created a new “Prayers for Finances devotional/plan” available for you - for free. Not only does this include about 12 Bible verses about God's provision for us, but also a few key financial prayers that work. So if you need a financial breakthrough right now - check them out! Links Mentioned: The YouVersion Bible Mobile App: Seedtime.com Bible Reading Plans - https://seedtime.com/youversion Free PDF Printable - https://seedtime.com/prayers to get the printable PDF (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: Taking Steps Of Faith Praying and Obeying Meditating On The Word 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.

May 11, 2020 • 19min
5 Corona-proof side hustles to make some money
If you have lost your job or lost hours due to the craziness of the pandemic, here are some side hustle ideas that might help you make a few bucks until life returns to "normal.” Now is a terrific time to make money or start a business. Join Linda and I as we discuss Corona-Proof ways to make money. Links Mentioned: Amazon - https://www.amazon.com/ LiveOps - https://liveops.com/ TakeLessons - https://takelessons.com/ InstaCart - https://www.instacart.com/ eBay - https://www.ebay.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: Corona-Proof Side Hustles Make Money Decluttering Starting A Business During A Recession 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.

May 4, 2020 • 25min
How to actually BENEFIT from the quarantine
You don’t have to be bored or feel like it’s groundhog day while in quarantine. Maybe you even think that quarantine can’t be a good thing. We’re here to tell you that it can be a very good thing. In this episode, Linda and I discuss how you can actually BENEFIT from the quarantine! Links Mentioned: Our Sabbatical Year Miracle: https://youtu.be/nlDa_EJdYlg The Rest of God (book by Mark Buchanan): https://www.amazon.com/Rest-God-Mark-Buchanan/dp/0849918707 (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: Sabbatical Rest Recognizing Miracles In Your Life Focusing On Your Relationships 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.

Apr 27, 2020 • 23min
Is now a good time to invest in the stock market?
Will the markets drop further? Is now the time to exit the stock market completely? Is now a good time to invest? What am I doing with our investments? Where do I invest my money? In this episode, we’re going to discuss the places where you can invest your money. Links Mentioned: M1 (my favorite online broker - 100% free to trade and you can buy partial shares): http://seedtime.com/2/m1.php See M1 in action, here: https://youtu.be/VaR0HXZZG8c eTrade (great online broker): http://seedtime.com/2/etrade.php Acorns (the simplest way to start investing with little or no money. $5 signup bonus with this link): http://seedtime.com/2/acorns.php Fundrise (100% passive real estate): http://seedtime.com/2/fundrise.php Coinbase (for buying crypto - $10 signup bonus link): http://seedtime.com/2/coinbase.php (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 Stock Market Investing During The Pandemic Places Where You Can Invest Money 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.

Apr 6, 2020 • 11min
The Bible and Money (3 Practical Tips for 2020)
Did you know the Bible is a great place to get financial advice? Like many subjects in the Bible, these money lessons are still relevant today. God's word is full of financial lessons and money advice… although one may not think to get financial advice from the Bible. Join my wife Linda and I as we discuss Bible & Money (3 Practical Tips For Today)! Links Mentioned: Free Email Course: How to Master Your Money Using Biblical Principles - https://seedtime.com Study by Creditcards.com - https://www.creditcards.com/credit-card-news/co-signing-survey.php The Atlantic article on Cosigning - https://www.theatlantic.com/business/archive/2011/06/why-you-should-never-ever-cosign-a-loan-for-anyone/239775/ (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: Money Lessons From The Bible Cosigning A Loan Practical Money Tips 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.

Mar 23, 2020 • 11min
8 habits of successful (and wealthy) people
I love studying the habits of successful people to get ideas of what makes them stand out. In this video Linda and I discuss 8 of the key success habits of wealthy and successful people to see what we all can learn Links Mentioned: Our Real Money Budgeting Course - https://seedtime.com/rmb-waitlist Article of 8 Habits of Wealthy & Successful People - https://yourfinancialtoolkit.com/8-habits-of-wealthy-and-succesful-people How to Invest With Little Money - https://youtu.be/EVGJvvbdbx8 (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: Starting Your Day Early Continually Learning and Improving Meditating on God’s Word 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.

Mar 9, 2020 • 7min
Don't Miss What God Is Doing In Your Life
Looking back, are there things you wished for and prayed for that you have today? Have you taken the time to soak in the blessings God had in store for you? Life moves by so quickly, don’t miss out on seeing God’s work in your life! These are a few of the topics we cover: Praying for what we want Looking for God’s Blessings God works out everything for our good 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.