

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 3, 2019 • 34min
Our 2 biggest financial tests (with His and Her Money)
All that we have is from above. Are you a good steward of what God has entrusted you with? When we obey, trust and listen to God... we will see what He can do in our lives. Giving in faith and obeying God is all a part of God’s path for our lives, during Seedtime and Harvest. Join us as we discuss Our 2 Biggest Financial Tests with Talaat and Tai McNeely... how financial tests can turn into financial testimonies! Links Mentioned: • Talaat & Tai McNeely’s His and Her Money Podcast Show: https://www.hisandhermoney.com/podcasts/ • The Rest of God (Book) - https://www.amazon.com/Rest-God-Restoring-Your-Sabbath/dp/0849918480/ (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 Power of Giving • Giving in Faith and Seeing What God Will Do • Obeying, Trusting and Listening to God • The Importance of Rest/Sabbath
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 20, 2019 • 27min
How to teach kids about money (5 Tips)
As parents we teach our kids so many things! Money is definitely a subject we should be teaching our kids about. If you don't know where to start when it comes to what your child should learn about money, Art Rainer (author of The Money Challenge) and I are here to help! Join us as we discuss 5 Money Lessons We Should Be Teaching Our Kids! Links Mentioned: The Money Challenge by Art Rainer - https://www.amazon.com/Money-Challenge-Art-Rainer-ebook/dp/B076MLZB46/ The Secret Slide Money Club Kid Series by Art Rainer - https://www.amazon.com/Art-Rainer/e/B072MLM6RQ Art Rainer's Website: http://www.artrainer.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: Teaching Kids about Money Instilling that You Have to Work to Afford things Incenting to Save Money Money is Finite 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 6, 2019 • 10min
My blessing of NOT getting promoted
When career opportunities present themselves that match your skill set, prayers of job promotion may go unanswered. Do not be dismayed when being passed over for promotion, God has something bigger in mind for you. When God doesn't answer prayer, He is preparing to bless you in ways you may never have thought about before! If you have ever been passed over for a promotion unfairly, keep trusting God. Because even when you can't see what God is doing, He is at work in your life! Links Mentioned: My Website: Christian Personal Finance (now known as SeedTime) - https://SeedTime.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: • Not getting the job we think we deserve • Unanswered Prayers disguised as Blessings • Aligning your gifts with God’s calling for your life • Obeying & Trusting God 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 22, 2019 • 8min
The 7 financial rules I follow
When it comes to money, it's important to set financial rules for yourself in addition to having a budget. I have 7 rules for money that my household abides by and that have proven themselves over and over again. I want to share these with you in hopes that not only do they help you, but that you could also pass these money rules on to your friends and family! Links Mentioned: Getting Out of Debt: [9 benefits we found] - https://youtu.be/vJMk3FIxJ3I Rich Dad Poor Dad Lesson - https://youtu.be/49Xqgju2xPk How to Get Textbooks for Free - https:/seedtime.com/how-to-get-textbooks-for-free/ Giving Our Age as a Percentage - https://seedtime.com/giving-our-age/ 10 Things American Christians Should Do With Their Money - https://youtu.be/7I5a7rbz9I4 (Lessons from my Millionaire Mentor - https://youtu.be/K_p0ghLBvF4 (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: Paying Off Debt Why You Should Buy Used Giving To Others Enjoying Your 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 8, 2019 • 14min
How to know what direction to go with your career (or business)
What do you do when you do not like your career and want a career change? Do you ever consider your faith when it comes to your work? It is important to let God lead you to where you're supposed to be. Even when you feel that you're not in the right job, you're not outside of God's will...He is teaching you right where you are! God and career go hand in hand. God has so much more in store for us, more than we could ever dream! Join us as we discuss God's calling for your life and how to look for the intersections in your career! Links Mentioned: The SeedTime Living Podcast (Christian Money Podcast): Episode #1 How to find your calling/purpose in life with Jeff Goins - https://seedtime.com/podcast#001 (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: God’s Calling for your life Deciding what direction to go with your career (or business) How to look for intersections in your career Obeying & Trusting God 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 25, 2019 • 25min
Debt-Proof Living with Mary Hunt
Do you know how much debt you have? Knowing exactly how much you owe is the beginning of your journey to achieving a debt-free life! My hope is for everyone to enjoy the freedom and the peace of mind that debt-free living gives so that you’re able to give back and help others. Join me as I discuss how to be successful in becoming debt-free with Mary Hunt from Debt-Proof Living! Links Mentioned: Debt-Proof Living with Mary Hunt - http://www.debtproofliving.com/ Mary Hunt’s Everyday Cheapskate - https://www.everydaycheapskate.com/ 7 Money Rules for Life by Mary Hunt - https://amzn.to/2TMR5GO
(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: • Getting your Finances in line with God’s Word • Paying off Debt and sticking to your Debt Pay Off Plan • Bankruptcy and its effects • Commonalities of people who have Successfully Paid Off Debt • Mindsets of those who Fail to Pay Off Their Debt • Sustaining a Debt-Free Lifestyle
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 11, 2019 • 21min
Recovering from Finanical Infidelity
Are you hiding money from your spouse? This episode takes an in depth look at hiding money from your spouse and how to recover from financial infidelity! Join me as I discuss financial infidelity in a Christian marriage with Talaat McNeely (from His and Her Money). Links Mentioned: Talaat & Tai McNeely’s website - https://www.hisandhermoney.com/ Teach Me How To Budget Course (His & Her Money) - https://hisandhermoneyuniversity.teachable.com/p/teach-me-how-to-budget Free Debt Snowball Spreadsheet & Calculator - https://seedtime.com/free-debt-snowball-calculator/ The Getting Started Course (Save Money & Pay Off Debt With Our FREE Course!) - https://seedtime.com/getting-started/ (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: Financial Infidelity in a Christian Marriage Hiding Money from Your Spouse Recovering from Financial Infidelity Money Management and Household Budgets Paying Off Debt 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.

Feb 25, 2019 • 18min
Was Jesus a Minimalist?
Join me as I interview Joshua Becker, a leading voice on minimalism, as we explore if Christian minimalism is a lifestyle we should all consider! Link Mentioned: Joshua Becker's book: "The Minimalist Home" - https://seedtime.com/The-Minimalist-Home (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: Living with Less, Simpler Lifestyle Jesus and Minimalism Materialism/Consumerism Issues of the heart and discontentment Biblical references for Minimalism 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.

Feb 4, 2019 • 8min
5 bad money habits to break this year
Setting new goals for yourself each year is always a good thing. When it comes to setting financial goals, there are so many you could choose from... paying off credit card debt, tithing, creating an emergency fund, giving more, improving your net worth, etc. I want to help you reach whatever financial goal you've set for yourself (even if you haven't set any goals yet!). At the same time, I want to help make you aware of 5 Bad Money Habits You Should Break! Links Mentioned: 5 Bad Money Habits to Break in 2019 (YouTube Video) - https://youtu.be/A7wBCkG-Gcg 12 Side Hustles that pay well - https://www.youtube.com/watch?v=iJ-lR2v9n9k The top credit card balance transfer offers - https://seedtime.com/2/balancetransfer.php 11 Things you should stop paying money for - https://www.youtube.com/watch?v=35-yPE8rbJg Personal Capital - https://seedtime.com/2/personalcapital.php Review of Personal Capital - https://www.youtube.com/watch?v=frYbUtZ3ino Acorns - https://seedtime.com/2/acorns.php Review of Acorns App - http://www.youtube.com/watch?v=EVGJvvbdbx8 5 Ways to be More Generous - https://www.youtube.com/watch?v=Gc5ZD2w-_nk (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: Breaking Bad Habits Credit Card Balances Managing Your Money Giving Cheerfully 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.

Dec 24, 2018 • 15min
12 Side Hustles to Consider for 2019
No matter how much time you have to earn extra cash, I have found a variety of options that almost anyone can do. There are several side hustle ideas that pay well. Not only can you earn a decent amount of additional money, these jobs are fairly flexible and offer opportunities for different skill sets. Links mentioned: Uber - https://seedtime.com/2/uber.php Clean Lots - https://seedtime.com/2/cleanlots.php Airbnb - https://seedtime.com/2/airbnb.php Amazon Flex - https://flex.amazon.com/ User Testing (our YouTube video on this) - https://www.youtube.com/watch?v=ZtuR08XAZi0&t=0s Selling Used Books - https://www.youtube.com/watch?v=FafS-c4YaRY Liveops - http://join.liveops.com/ Starting an Ebay Business: A Step-by-Step Guide - https://seedtime.com/starting-an-ebay-business-a-step-by-step-guide/ How to Pay Off 80k of Debt using Ebay- https://www.youtube.com/watch?v=zyHoqesH544 Upwork - https://www.upwork.com/hire/virtual-assistants/ Takelessons - https://takelessons.com How to Get Started in Real Estate Investing - https://seedtime.com/how-to-get-started-investing-in-real-estate-for-beginners/ Turo ($25 bonus) - https://seedtime.com/2/turo.php (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) 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.