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

Today we're sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating.
After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success.
And the best part? It's not just about padding your bank account. The 1% Challenge also enables you to steadily scale your generosity and impact year after year, without ever stressing about the numbers.
In today's episode, we'll walk you through the counterintuitive behavioral science that makes this strategy so absurdly effective, including:
How the Goldilocks Rule can help you find the "just right" sweet spot for financial growth
Why the Law of Marginal Gains is the secret weapon of peak performers (and how to apply it to your money)
The little-known reason why small, incremental changes can actually be easier to stick with than massive, drastic overhauls
We'll also share our dead-simple 3-step process for implementing the 1% Challenge in your own life, starting today. Fair warning: This episode could change your financial trajectory forever.
So if you're ready to put your wealth-building on autopilot, skyrocket your impact, and still enjoy life along the way, you won't want to miss this one.
 
Resources Mentioned:
The life-changing "True Financial Freedom" online class: True Financial Freedom | Christian financial class for churches
14-Point Checklist to Give $1M by Age 40
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, Linda and I dive into a game-changing strategy for staying motivated on your financial journey—celebrating small wins!
If you've ever felt overwhelmed by the enormity of your financial goals or wondered how to keep the momentum going, this episode is for you. We'll unpack why these small victories are crucial and how they can transform your financial journey from a tedious marathon into an enjoyable adventure with God.
 
🔍 Key Highlights: 
The Power of Small Wins: Why celebrating small victories can significantly enhance motivation and enjoyment on your financial journey.
Stay Motivated: If you're struggling to stay motivated on your financial journey, this episode will provide you with actionable strategies to keep your spirits high and your goals in sight.
Strengthen Relationships: Learn how celebrating small wins can not only help you achieve financial success but also strengthen your relationship with your spouse by working towards shared goals.
Biblical Encouragement: Receive encouragement and insights from the Bible that reinforce the importance of celebrating progress, no matter how small.
Practical Tips: Get practical, step-by-step advice on how to set milestones, track your progress, and celebrate your achievements in a way that aligns with your financial goals.
 
Resources Mentioned:
Debt Snowball Sheet: Our customizable spreadsheet to help you list all your debts and prioritize which one to pay off next using the debt snowball method.
Our Book: "Simple Money, Rich Life"
Harvard Business School Study: Research by Teresa Amabile on the power of small wins and their impact on motivation.
14-Point Checklist to Give $1M by Age 40  
🎯Your Challenge:
Identify Your Big Financial Goal: What is the significant financial milestone you're aiming for?
Break It Down: Divide your goal into smaller, manageable milestones.
Track Your Progress: Use our debt snowball sheet or another method to monitor your achievements.
Plan Your Celebrations: Define how you’ll celebrate each milestone. Make it something to look forward to!
 
💫Connect with Us:
Leave a Review: If you enjoyed this episode, please leave us a review on iTunes, Spotify, or your favorite podcast platform.
Join the Conversation: Share your thoughts and milestones with us on social media @SeedTime
 
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 we have Jamie Winship (author of Living Fearless) and his amazing wife Donna on!
We go a lot of directions in this one, but summing it up I would say that if you want to END fear in your finances and be inspired in your faith you have to check out this episode.
 
🔍 Key Highlights: 
Discover how fear not only influences, but often controls, our financial decisions and what we can do to break free from its grip.
Learn how understanding your true identity can transform your approach to finances and life. The impact of fear on financial decision-making and how it limits Christian generosity.
Jamie's unique perspective as a "militant peacemaker" and his extensive experience in hostile environments.
Practical steps and thought experiments on how the average Christian household can contribute more effectively to solving global challenges.
A deep dive into how nonprofits operate and the challenges of collaboration in the face of abundant resources.
The transformative power of understanding your identity in Christ and its direct impact on financial and personal freedom.
 
Resources Mentioned:
 Jamie's Book: Living Fearless 
IdentityExchange.com their website offering numerous resources, including free courses and intensive cohort studies that can help listeners deepen their understanding of their identity in Christ.
Free Course: "Finding Hope in Depression" – A new resource provided by Jamie and Donna, ideal for anyone seeking hope and guidance, especially relevant for Mental Health Awareness Month.
 
If you’re ready to challenge your limiting beliefs and step into a life of increased freedom and generosity, this episode is a must-listen. Dive into the heart of what it means to live fearlessly in your finances and beyond. Let’s get to it and may this conversation bless you as much as it has blessed me and Linda!
📢 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.
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 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.

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!
 

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!