Seed Time Money (Christian living & Personal Finances‪)‬ Bob & Linda Lotich | Christian Financial Coaches

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!
 

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. 

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.

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
 

Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down!
 
🔍 Key Highlights: 
How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential
The Simple Mindset Shifts That Allowed Us to Go From Broke to 7-Figure Givers
Why Your Biggest Financial Obstacle Might Be Your Own Beliefs (and How to Change Them)
How We Overcame Poverty Thinking to Achieve True Financial Freedom
 
Resources Mentioned:
14-Point Checklist to Give $1M by Age 40
The Debt Snowball Method for effective debt payoff
Our book: Simple Money, Rich Life
 


For more episodes and resources, visit us at SeedTime.com. Let’s continue this journey together towards financial freedom and abundant giving!
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 @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. 
 

Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God.

Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals.
Here's what we're diving into today:
Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles.
Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose.
Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources.
Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision.
Get our FREE AUM worksheet at https://seedtime.com/AUM