288 episodes

We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun.

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.

Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.

We help you spend less time thinking about money while getting better results.

The SeedTime 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, Annie F. Downs, Joshua Becker, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.

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/

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

    • Religion & Spirituality
    • 4.9 • 190 Ratings

We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun.

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.

Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.

We help you spend less time thinking about money while getting better results.

The SeedTime 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, Annie F. Downs, Joshua Becker, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.

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/

    (💸10/40) The 1% Challenge: The Absurdly Simple Habit That Can Transform Your Financial Life Forever

    (💸10/40) The 1% Challenge: The Absurdly Simple Habit That Can Transform Your Financial Life Forever

    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.

    • 21 min
    (💸09/40) The Surprising Science Behind Celebrating Small Wins (and How It Can Make Your Financial Dreams a Reality)

    (💸09/40) The Surprising Science Behind Celebrating Small Wins (and How It Can Make Your Financial Dreams a Reality)

    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!
     

    • 30 min
    How to END fear in your finances (with Jamie & Donna Winship)

    How to END fear in your finances (with Jamie & Donna Winship)

    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.
     

    • 57 min
    (💸08/40) The one rule that turned a janitor into a multimillionaire (and how you can use it to secure your financial future)

    (💸08/40) The one rule that turned a janitor into a multimillionaire (and how you can use it to secure your financial future)

    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.

    • 26 min
    (💸07/40) 10 financial prayer points you should be praying about (& the power of prayer in your finances) 🎉 FREE Download 🎉

    (💸07/40) 10 financial prayer points you should be praying about (& the power of prayer in your finances) 🎉 FREE Download 🎉

    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!
     

    • 45 min
    (💸06/40) The 7 Telltale Signs Your Budget Is Broken (And How to Fix It Before It's Too Late)

    (💸06/40) The 7 Telltale Signs Your Budget Is Broken (And How to Fix It Before It's Too Late)

    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!
     

    • 39 min

Customer Reviews

4.9 out of 5
190 Ratings

190 Ratings

JMcFam5 ,

These guys are awesome 🤩

Oh my heck, this podcast is an answer to my prayers! I read some of their book awhile ago but as a mom of little ones I ran out of time to read it, but I’m SO excited for this new 40 week journey they started!!!!

Andrew@7 ,

Solid Gold

Such a fantastic resource that offers a gospel centered approach to money 🙌🏻

Frmgrl@hrt ,

Great practical advice

I love their book Simple Money Rich Life, and am so excited I found their podcast too. I enjoy getting the biblical foundation and background for all of their financial recommendations and habits. I have recommended the book to several friends so far, and I am going to purchase a few to have on hand for gifts. Thank you for all the great information!

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