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

In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to:
Save over $15,000 in interest
Score more than $10,000 in free travel
Turn our biggest financial burden into a powerful wealth-building tool
 
But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it.
 
We break down:
Why your credit score might be lying to you (and what to do about it)
The "chainsaw approach" to credit cards (and why it works)
How we funded our dream of giving away a million dollars using credit card strategies
 
Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount.
Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom.
Don't miss out on the credit card secrets that could change your financial future forever.
 
🔗 Resources Mentioned:
Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652
Free Travel Article - https://seedtime.com/free-travel
Credit Card Recommendations - https://seedtime.com/cc
14-Point Checklist to Give $1M by Age 40 - https://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 (http://instagram.com/seedtime). 
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dmCyLz-fRt4)!
 
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, we're pulling back the curtain on a financial hack so powerful, it could put an extra $2 million in your pocket. And it all starts with your next car purchase.
🔎Here's what you'll learn:
The truth about new cars that dealerships don't want you to know
Our 5-step formula for buying used cars that look and feel brand new
How to break free from the paycheck-to-paycheck cycle using this one simple strategy
The mind-blowing math behind turning car payments into a million-dollar retirement fund
Why even millionaires choose used cars (hint: it's not about saving pennies)
 
But we don't just throw theory at you. We break down our exact process.
Warning: LOL - This episode might just revolutionize how you think about cars, wealth, and financial freedom forever.
 
Resources Mentioned:
Our book: "Simple Money, Rich Life" - https://seedtime.com/smrl-brp
Our course: 10X Investing - https://seedtime.com/10x
CarFax (for vehicle history reports) - https://www.carfax.com
Kelley Blue Book (for car valuations) - https://www.kbb.com
NADA Guides (for car valuations) - https://www.nadaguides.com
14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/
 
Remember, your next car decision could be worth $2 million. Don't miss this ride.
 
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/MzyZadQKC2k)!
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. 

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 - https://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 (https://www.instagram.com/seedtime). 
 
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)!
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, 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) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113 
Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/ 
Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water 
Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com 
14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 
 
🎧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 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/LGtdftpt0yQ)!
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.

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” - https://seedtime.com/how-i-made-2k-decluttering 
How to use Bookscouter - https://youtu.be/FafS-c4YaRY?si=aXPp7197uyLizprn 
Joshua Becker: Minimalism Expert - https://instagram.com/joshua_becker 
Becoming Minimalist: Joshua Becker's blog - https://becomingminimalist.com 
The Minimalist Home: book by Joshua Becker - https://amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999 
Clutter Free with Kids: book by Joshua Becker - https://amazon.com/Clutterfree-Kids-thinking-Discover-habits-ebook/dp/B00HYNJKCU 
BookScouter.com: website and app for selling books - https://BookScouter.com 
Facebook Marketplace: platform for selling items locally - https://facebook.com/marketplace 
eBay: global online marketplace - https://ebay.com 
14-Point Checklist to Give $1M by Age 40 - https://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/TVSjcd-rwg0)!
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.