SeedTime with Bob and Linda Lotich

Bob Lotich, Linda Lotich
  • 4.9 (264)
  • Christianity
  • Updated Semiweekly

Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. 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. 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, Levi Lusko, 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 real lives. 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/

  1. 1d ago

    How to Know If Money Has Become Your Idol (Jesus is King with Bryan Harris - Part 2)

    Most of us pray about money. Very few of us ask God what to do with it and then sit still long enough to hear an answer. This is Part 2 of our conversation with our friend Bryan, a business owner and honestly a spiritual mentor in a lot of ways. In Part 1 he showed us how a money idol hides in a phrase you say every day. This time he shows us the other side: what it actually looks like to hear God about a money decision, and what God tends to deal with before He builds anything. In this conversation we get into the exact ten-minute practice Bryan's whole team uses to ask God what to do (a timer, a notebook, and four things to write down), what came out of it the first time twelve people tried it, why he believes everyone in the room hears something, why "you need $250,000 to do this" is usually money holding you hostage, the stuff in the basement God insists on dealing with first, why you should not rush to be a teacher, the million-dollar cabin God told them to buy with money they did not have, and the question Bryan can't shake: how many spots have I not been in because I didn't listen? Nothing here is a formula. It's a practice, it happens in community, and Bryan argues against his own decisions the whole way through. If you want a place to start, Linda and I wrote 30 Days of Prayer for Your Finances for exactly this: one short prayer a day to start asking God about your money instead of just worrying about it. Grab it at: https://seedtime.com/30DOP   Timestamps 0:00 Cold open and intro 0:48 Stop stealing God's problem (the easy yoke) 2:44 The ministry friend who thought he needed $250,000 5:41 The ten-minute practice: a timer, a notebook, four things to write down 8:00 Thirteen years of work, one ten-minute prayer 9:54 Ask, seek, knock (and what God deals with first) 12:35 Don't rush to be a teacher 14:57 "Show me the man of lawlessness in me" 16:28 The million-dollar cabin 18:05 How many spots have I not been in? 18:47 Closing prayer   Here's a little of what we cover in this episode: The ten-minute practice Bryan's team uses to ask God what to do The four things to write down while you listen Why the number you think you need is usually the thing holding you hostage What God deals with in your basement before He builds anything Why Bryan tells new pastors to spend three years getting humbled The million-dollar cabin, and the guardrail Bryan puts around that story How many spots have I not been in because I didn't listen?   Bible Verses Mentioned: Matthew 5: 5 Matthew 7: 7-8 Matthew 11: 28-30 Luke 11: 9-10 Nehemiah 6: 15 1 Corinthians 3: 12-15 1 Thessalonians 4: 11 2 Thessalonians 2: 3-8 James 3: 1 Acts 8:2 6-39 Acts 9: 1-19   Resources Mentioned: Growth Tools    Disclaimer: Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  2. Sep 11

    How to Know If Money Has Become Your Idol (Jesus is King with Bryan Harris - Part 1)

    You can do everything right with money and still not feel free. Budget in place. Debt gone. Emergency fund full. And underneath it, the same low hum of anxiety and comparison that was there before. Our friend Bryan built his entire financial life on three words he'd heard a thousand times: cash is king. He's a Dave Ramsey superfan. He did the debt-free scream. Then one day in the shower it hit him. Cash isn't king. Jesus is. That one shift exposed a money idol he never knew he had, and it changed how he makes every financial decision since. In this conversation we get into how to tell whether money has become your idol (it usually hides in a phrase you say every day), the two kingdoms your money can run on, a definition of financial freedom that has nothing to do with a dollar amount, and what happened when Bryan and his wife prayed about spending their last $12,000 and believed God said yes. To be clear, there is real wisdom in "cash is king." This is not a takedown. It's a conversation about what sits on the throne. We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M   Timestamps 0:00 Cold open and intro 2:57 The three words Bryan built his financial life on 3:51 The shower moment that flipped "cash is king" 7:30 Where the idol got built (and why he never saw it) 10:50 Two kingdoms, two operating systems 20:45 Money wants to give you what only God can 21:50 The stronghold you can't see 23:45 A definition of financial freedom that isn't a dollar amount 26:33 Nearly $1 million in cash to negative $3,000 29:46 The truck, and their last $12,000 31:59 Jesus math 34:01 You gotta ask God 41:19 "I have enough"   What we cover: Here's a little of what we cover in this episode: The phrase you have heard a thousand times that might be a lie The two operating systems your money can run on Why financial freedom can't be a number in an account The last $12,000 decision that made no financial sense Why "you have not because you ask not" still challenges Bryan The first time Bryan ever thought "I have enough"   Bible Verses Mentioned: Genesis 3 Genesis 41 Deuteronomy 27-28 Joshua 6 1 Kings 17 Proverbs 9 Proverbs 21: 20 Matthew 6: 26 Matthew 6: 33 Matthew 17: 27 Romans 1-3 James 4: 2   Resources Mentioned: Growth Tools   Disclaimer: Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  3. Sep 4

    The Biblical formula for paying off debt miraculously fast

    What if you don't need more money to pay off your debt? What if you just need to see what's already in your house? That's the pattern hiding inside a story in 2 Kings 4. A widow. A dead husband. A creditor at the door. And one small flask of olive oil that God multiplied until her debt was gone. This episode was recorded live from one of our workshops. Linda and I walk through the whole story, verse by verse. Then we pull five simple steps out of it for paying off debt fast: Name your need. Take inventory of your house. Gather your jars. Shut your door. And pour your flask. We also tell our own debt payoff story, starting with a blog that made $100 a month. And why students in our Mission Driven Millionaire coaching program have paid off $17,000, $25,000, even $65,000 of debt in a matter of months… This isn't a budgeting lecture. It isn't a "just have more faith" pep talk either. It's a biblical formula for getting in step with how God works. And it might change how you see your debt for good. So grab a notebook. You're going to want to write this one down. If you enjoyed this, we'd love to invite you to apply for our Mission Driven Millionaire cohort starting soon - can you learn more at: https://seedtime.com/apply   What We Cover Here's a little of what we cover in this episode: The 5-step biblical pattern we found hiding in a story most people skim past Why the widow almost missed her own miracle (and how we almost missed ours) The one line in this story that changes what "faith" actually means for your money A simple way to tell if an idea is from God or just your own anxiety talking The real story behind how we paid off all our debt, starting with a blog making $100 a month Why "getting out of debt" was never supposed to be the finish line What happened when one of our own financial mentors told us we were making a huge mistake   Bible Verses Mentioned 2 Kings 4:1-7 Proverbs 3:9-10 Proverbs 11:14 2 Chronicles 7:14 Ephesians 3:20   Resources Mentioned Simple Money, Rich Life Mission Driven Millionaire program True Financial Freedom course   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  4. Aug 28

    Does Financial Struggle Mean God Is Displeased? (The Honest Answer)

    When money is tight, a sneaky thought creeps in. If God was really pleased with me, wouldn't this be easier? I have wrestled with that question myself more times than I can count. So in this episode, Linda and I get honest about whether financial struggle means God is displeased with you. We talk about what blessed actually means, and why comparing your finances to everyone's highlight reel is a trap. We share seasons where we did everything right and money was still hard. And we look at why adversity might actually mean you're on the right path. This is for anyone quietly asking, am I doing something wrong? If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The question almost every Christian asks about money but never says out loud Why your definition of blessed might be working against you The surprising salary that puts you in the top 1% of the world What seed time and harvest reveals about seasons that feel stuck Why adversity is not a sign that God is withholding blessing The advice I come back to every time I don't know what to do next Bible Verses Mentioned Galatians 6:9 Romans 8:28   Resources Mentioned Simple Money, Rich Life (the book)   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  5. Aug 21

    Jesus Warned About Saving Money the Wrong Way

    I used to hate everything about our finances. Then one thing changed and paying bills actually became fun. That thing is margin. Margin is the gap between what you earn and what you spend. It might look small, but that gap is where the freedom lives. In this session from our Mission Driven Millionaire cohort, Linda and I dig into why building margin might be one of the most spiritual things you ever do with your money. We look at Joseph in Genesis 41 and how he made a plan before the famine came. We look at the ant in Proverbs 6 and what it teaches us about saving. And we talk about the two ditches: living paycheck to paycheck with no margin, and building bigger barns out of fear. Plus how the Real Money Method helps you create margin so you can say yes when God says go. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The money habit I now believe is one of the most spiritual things you can build Why the gap between what you earn and what you spend is where freedom lives What Joseph knew about abundance that most of us completely miss The two ditches almost everyone falls into with saving money The heartbreaking reason one man had to turn down his calling What the ant can teach you about your bank account The prayer Linda and I prayed the night before this session   Bible Verses Mentioned Genesis 41 Proverbs 6:6-8   Resources Mentioned Mission Driven Millionaire program Real Money Method course Simple Money, Rich Life (the book)   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  6. Aug 14

    How to Keep Trusting God When the Answer Doesn't Come (w/ Susie Larson)

    Three different doctors told her she should be dead. She is still here, and still hosting live radio. For over three decades, Susie Larson fought Lyme disease and mold toxicity. It left seven areas of brain damage. She lost words on the air and forgot how to spell. At her lowest, IV bags filled the fridge where the groceries should have been. Her family had no money for food while their friends bought second homes. But something grew in the middle of all that pain. She learned how to trust God when the breakthrough was nowhere in sight. In this episode, Susie joins Linda and me to talk about her new book, More Than You Can Imagine. We dig into the real difference between faith and "name it and claim it." We talk about speaking God's Word over your money, your health, and your family. I also share the story of declaring life over our newborn son when he would not breathe. This one is about money, faith, healing, and what God actually does when you keep trusting Him. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free.   Timestamps 0:51 Why this conversation felt like a divine appointment 3:14 Three decades of Lyme disease, mold, and losing words on live radio 4:23 The wandering lamb and the two ways we drift from God 12:50 The bold stranger who told Susie not to quit, then vanished 16:04 Broke and sick, learning to say "let the weak say I am strong" 21:38 The longest 90 seconds: declaring life over a baby who would not breathe 24:15 Why telling a hurting person to "just say it" can backfire 32:41 Who Susie wrote More Than You Can Imagine for   What We Cover Here's a little of what we cover in this episode: What three decades of chronic illness taught Susie about trusting God The real difference between faith and the "name it and claim it" trap Why some Christians end up making an idol out of their pain The strange encounter that stopped Susie from walking away from her calling What being broke and sick at the same time taught her about God as provider The prayer I prayed over our son when the room went silent What God does when you keep trusting Him with no results in sight   Bible Verses Mentioned Ephesians 3:20-21 Joel 3:10 John 7:38 John 13:3-5 Romans 4:17 2 Corinthians 4:13 Hebrews 11:38 Mark 11:23   Resources Mentioned Free book offer More Than You Can Imagine by Susie Larson Susie Larson Live (her radio show and podcast) SusieLarson.com   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  7. Aug 7

    Why You Never Feel Like You Have Enough (and How to Fix It)

    Almost nobody actually feels like they have enough. Not really. We chase more money, more space, more results, and the finish line keeps moving. So why does that happen? And how do you actually fix it? In this episode Linda and I dig into contentment and the real reasons so many of us feel like we never have enough. We talk about the secret Paul learned while sitting in prison. We break down three quiet causes: comparison, focusing on what you don't have, and never defining what "enough" even means. Then we get practical with steps like starting a gratitude practice, giving when you feel like you can't, building a survival budget, and letting go of money's grip on your heart. This one is about finding peace with what God has already put in your hands. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: Why "eternity in our hearts" leaves us always wanting more The one habit that lets comparison in the door How focusing on what's missing only makes it grow The moving goalpost that keeps you from ever feeling set The season Bob now calls one of the best things that ever happened to him A simple gratitude exercise you can start today Why giving breaks a scarcity mindset What "you cannot serve God and money" looks like in real life   Bible Verses Mentioned Philippians 4:11-13 Ecclesiastes 3:11 2 Corinthians 10:12 1 Corinthians 12 2 Corinthians 3:18 Ephesians 1:18 James 1:4 Genesis 32 Philippians 4:8 Romans 8:5 2 Corinthians 10:5 Mark 9:35 Matthew 6:24 Matthew 6:25-34 Colossians 3:3 1 John 1:9   Resources Mentioned Simple Money, Rich Life True Financial Freedom   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

  8. Jul 31

    Why You Can't Stick to a Budget (10 Real Reasons)

    If your budget keeps falling apart after two weeks, it's probably not your fault. I used to think I was just bad with money. Then I realized the budget itself was the problem, not me. In this episode, Linda and I walk through 10 reasons budgets break and what to do instead. We cover zero-based budgeting, unrealistic numbers, tracking expenses, and the credit card mistake almost everyone makes. We also share why building fun into your budget is one of the biggest secrets to actually sticking with it. And you'll hear how one person cut their spending in half by doing one simple thing. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.   What We Cover Here's a little of what we cover in this episode: The real reason 80% of budgets fail (it's not discipline) Why most people who say they budget actually don't The one habit that helped someone cut spending by 50% without changing anything else The credit card rule Linda and I follow that keeps us out of trouble The "gotta have it now" tax you're probably paying every month Why a miserable budget is a broken budget The Amazon cart trick I use to stop impulse buys   Resources Mentioned Real Money Method course True Financial Freedom course   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

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About

Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. 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. 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, Levi Lusko, 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 real lives. 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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