285 episodes
Seed Time Money (Christian living & Personal Finances) Bob & Linda Lotich | Christian Financial Coaches
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- Religion & Spirituality
We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun.
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 SeedTime 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, 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/
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(💸08/40) The one rule that turned a janitor into a multimillionaire (and how you can use it to secure your financial future)
Today, we're diving deep into a powerful concept that might seem counterintuitive at first—focusing on what NOT to do to achieve financial success. This episode is packed with stories, biblical insights, and practical steps you can apply right away.
🔍 Key Highlights:
The Power of What Not to Do: Discover how avoiding certain financial mistakes can be more impactful than any active financial strategy.
From janitors to boxers, learn how individuals from all walks of life have succeeded or failed financially, often contrary to expectations.
Linda and I share our personal journey and the realizations that led to our goal of giving away a million dollars by age 40.
Practical Steps and Tools: We provide actionable advice and discuss tools to help manage and plan your finances more effectively.
Resources Mentioned:
RocketMoney: A tool for tracking and managing your spending.
Simple Money, Rich Life: Our book that delves deeper into the strategies discussed in the podcast.
True Financial Freedom Class: A six-week course offered in various churches and small groups to help individuals achieve financial freedom.
14-Point Checklist to Give $1M by Age 40
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Let’s get into it! 🎧
Watch this episode on our SeedTime Money Podcast YouTube channel!
If you haven’t checked out our best-selling book Simple Money, Rich Life, 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 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. -
(💸07/40) 10 financial prayer points you should be praying about (& the power of prayer in your finances) 🎉 FREE Download 🎉
What if the key to unlocking true financial freedom isn't found in getting a raise, the latest financial hacks, or paying off all your debt? What if, instead, the answer was simply learning how to pray over your financial life? Today, we are unpacking 10 areas of your finances (or prayer points) that should be on your prayer list.
🔍 Key Highlights:
The importance of praying for your finances and why it's often neglected.
Insights into our personal story of job loss and financial recovery through faith.
How to pray effectively for your financial life.
Discussion on biblical insights into money and financial decision-making.
Resources Mentioned:
Free PDF Guide on Financial Prayer: A step-by-step guide filled with scriptures and prayer points to help you begin praying strategically about your finances.
Bible Verses About Money: Explore over 250 Bible verses curated by Bob Lotich here.
True Riches by Greg Balmer: A thought-provoking book on materialism in the American church.
14-Point Checklist to Give $1M by Age 40
We hope this episode inspires you to integrate prayer into your financial life actively. Remember, when we invite God into our finances, we open doors to miraculous possibilities. Tune in, get inspired, and transform the way you handle your finances forever!
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Let’s get into it! 🎧
Watch this episode on our SeedTime Money Podcast YouTube channel!
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(💸06/40) The 7 Telltale Signs Your Budget Is Broken (And How to Fix It Before It's Too Late)
In this episode, we dive deep into the world of budgeting—not just any budget, but a healthy budget that works for you. Whether you're a budget skeptic or a spreadsheet enthusiast, this episode has something for everyone. Here's what we're unpacking today:
🔍 Key Highlights:
8 Questions To Ask To Determine If You Have A Broken Budget
Why Most Budgets Fail Within The First 30 Days (And The Simple Tweaks To Make Yours Stick)
The Counterintuitive Reason Why Budgeting Often Doesn't Work (And What To Do Instead)
Resources Mentioned:
Our Book Simple Money, Rich Life: Dive into Chapter 7 for a simple guide on setting up a one-category budget to get you started.
Our Real Money Method course offers a fresh perspective on budgeting that has helped thousands of our students find success where other systems failed.
14-Point Checklist to Give $1M by Age 40
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Let’s get into it! 🎧
Watch this episode on our SeedTime Money Podcast YouTube channel!
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(💸05/40) Why Most People Fail to Reach Their Financial Goals and How You Can Beat the Odds by Understanding the 2 phases of financial progress
Today’s episode dives deep into the transformative understanding of the two crucial phases of financial progress. This isn't just about money—it's about changing your life perspective and aligning your financial actions with God’s promises.
🔍 Key Highlights:
Discover The Two Phases of Financial Progress That Can Make or Break Your Success
How Understanding This Simple Truth Drastically Increased Our Chances of Reaching Our Million-Dollar Giving Goal
The Surprising Key to Accelerating Your Financial Progress, Even When You Feel Like You're Going Nowhere
The Vision Phase: We discuss how this initial phase is about setting sights on what could be, often feeling like you’re not making progress despite your best efforts. It's tough but crucial for setting the groundwork.
The Momentum Phase: Learn about the tipping point where efforts start paying off more than you put in, bringing a thrilling sense of acceleration towards your goals.
Resources Mentioned:
"Atomic Habits" by James Clear for understanding the impact of small consistent actions
Connect with Us: Follow and DM us on Instagram - @SeedTime for personalized advice and to share your success stories.
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Let’s get into it! 🎧
Watch this episode on our SeedTime Money Podcast YouTube channel!
If you haven’t checked out our best-selling book Simple Money, Rich Life, 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 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. -
(💸04/40) The 10-Minute Money Hack (& free app) That Helped Us Reach Our 7-Figure Giving Goal
This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one!
🔍 Key Highlights:
How this little known app Can Put Hundreds Back in Your Bank Account Every Month
How One Couple Discovered They Were Spending 4X More on Eating Out Than They Thought
How to spend less without even trying (and take an 80/20 approach to financial tracking)
Why Tracking Your Spending Is the Key to Financial Freedom (and How to Do It)
Attention vs. Reality: The Shocking Truth About Where Your Money Is Really Going
Resources Mentioned:
Rocket Money App - A user-friendly app for tracking expenses (available in both free and premium versions).
Our Free Tutorial - How to use the Rocket Money tool effectively.
Our Book "Simple Money, Rich Life" - Delve deeper into our philosophy and strategies by checking out Chapter 4, which covers the topics discussed in today’s episode.
Unbudgeting Program - Explore our Real Money Method for a simpler, more effective approach to budgeting.
14-Point Checklist to Give $1M by Age 40
Community Engagement - Connect with us on Instagram @SeedTime, or via email at: bob@seedtime.com
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Let’s get into it! 🎧
Watch this episode on our SeedTime Money Podcast YouTube channel!
If you haven’t checked out our best-selling book Simple Money, Rich Life, 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 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. -
5 common investing mistakes almost all new investors make (and what to do instead)
Hey friend! Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast.
This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here: https://seedtime.samcart.com/products...
And if you would like to get the discount on the 10x PLUS Investing course, you can grab that here: https://seedtime.com/join