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

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life.
In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal. 
🔎Here's what you're going to discover:
The ONE book that trumps all others (Hint: It's probably already on your shelf)
5 wealth secrets most "gurus" don't want you to know
How to retire before your parents (without winning the lottery)
The psychological hack that turns pennies into millions
Why your 401(k) might be leaving you broke (and what to do instead)
Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers.
P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package. 
 
Resources Mentioned:
5 Wealth Secrets by Craig Hill - https://amzn.to/3JA15Lt
The Treasure Principle by Randy Alcorn - https://amzn.to/3CNeoV1
The Automatic Millionaire by David Bach - https://amzn.to/3Psn3ny
True Riches by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/
Retire before Mom & Dad by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/
The Psychology of Money by Morgan Housel - https://amzn.to/3JWbilV
Our Book: Simple Money, Rich Life - https://seedtime.com/smrl
14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/
 
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 (https://youtu.be/-ZhVM95VvSw)!
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.

In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty.
🔎Here's what you're going to discover:
The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters)
Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying
The surprising area where most people can save a ton of money (hint: it's not what you think)
How I used this technique to stay afloat after a soul-crushing layoff in 2008
 
But here's the kicker: This isn't just about cutting costs.
It's about finding HOPE when everything seems to be falling apart.
It's about taking control when the world feels out of control.
It's about transforming panic into peace of mind.
Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience.
Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights.
Let's dive in.🎧
 
Resources Mentioned:
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. 
 
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.

In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things.
We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.
 
🎯 Key Takeaways: 
We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness
We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on
We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing
We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time
We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point
 
Resources Mentioned:
The 4-Hour Work Week by Tim Ferriss (book) 
Retire Before Mom and Dad by Rob Berger (book)
Topo Chico (sparkling mineral water)
Pie Town Tacos (local taco shop in our area)
14-Point Checklist to Give $1M by Age 40
 
🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us!
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.

Have you ever felt overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process?
In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results we achieved.
 
🔍Discover:
Why minimalism isn't about living with nothing, but about intentionally promoting the things you value most
How decluttering your home can lead to greater mental clarity and increased enjoyment of your possessions
The three key platforms I used to sell our items and maximize our earnings
I break down the process I used for each platform, sharing insider tips and strategies to help you achieve similar results. I also explain how this challenge ties into our larger goal of giving away a million dollars, emphasizing the importance of stewardship and maximizing the effectiveness of what you have.
💫The Challenge: Think you can beat my record of making $2,145 in 30 days by selling your clutter? Take on the challenge and email me (bob@seedtime.com) with your results for a special surprise bonus!
 
🎯 Key Takeaways: 
Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact.
Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom.
By maximizing your resources and being a good steward of what you have, you can create opportunities to be more generous and make a positive impact on the world.
 
Resources Mentioned:
Blog post: “How I made 2k Decluttering”
How to use Bookscouter
Joshua Becker: Minimalism Expert 
Becoming Minimalist: Joshua Becker's blog
The Minimalist Home: book by Joshua Becker
Clutter Free with Kids: book by Joshua Becker
BookScouter.com: website and app for selling books
Facebook Marketplace: platform for selling items locally
eBay: global online marketplace
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.

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!