281 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 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'.

Get a FREE preview at https://seedtime.com/scoreboard

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

    • Religion & Spirituality
    • 4.9 • 182 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 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'.

Get a FREE preview at https://seedtime.com/scoreboard

    (💸04/40) The 10-Minute Money Hack (& free app) That Helped Us Reach Our 7-Figure Giving Goal

    (💸04/40) The 10-Minute Money Hack (& free app) That Helped Us Reach Our 7-Figure Giving Goal

    This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one!
     
    🔍 Key Highlights: 
    How this little known app Can Put Hundreds Back in Your Bank Account Every Month
    How One Couple Discovered They Were Spending 4X More on Eating Out Than They Thought
    How to spend less without even trying (and take an 80/20 approach to financial tracking)
    Why Tracking Your Spending Is the Key to Financial Freedom (and How to Do It)
    Attention vs. Reality: The Shocking Truth About Where Your Money Is Really Going
     
     
    Resources Mentioned:
    Rocket Money App - A user-friendly app for tracking expenses (available in both free and premium versions).
    Our Free Tutorial - How to use the Rocket Money tool effectively.
    Our Book "Simple Money, Rich Life" - Delve deeper into our philosophy and strategies by checking out Chapter 4, which covers the topics discussed in today’s episode.
    Unbudgeting Program - Explore our Real Money Method for a simpler, more effective approach to budgeting.
    14-Point Checklist to Give $1M by Age 40
    Community Engagement - Connect with us on Instagram @SeedTime, or via email at: bob@seedtime.com
     
     
    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.

    • 14 min
    5 common investing mistakes almost all new investors make (and what to do instead)

    5 common investing mistakes almost all new investors make (and what to do instead)

    Hey friend!  Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast.  
    This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here:  https://seedtime.samcart.com/products...
    And if you would like to get the discount on the 10x PLUS Investing course, you can grab that here: https://seedtime.com/join
     

    • 57 min
    (💸03/40) 5 Money Lies We Believed That Nearly Sabotaged Our Financial Future

    (💸03/40) 5 Money Lies We Believed That Nearly Sabotaged Our Financial Future

    Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down!
     
    🔍 Key Highlights: 
    How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential
    The Simple Mindset Shifts That Allowed Us to Go From Broke to 7-Figure Givers
    Why Your Biggest Financial Obstacle Might Be Your Own Beliefs (and How to Change Them)
    How We Overcame Poverty Thinking to Achieve True Financial Freedom
     
    Resources Mentioned:
    14-Point Checklist to Give $1M by Age 40
    The Debt Snowball Method for effective debt payoff
    Our book: Simple Money, Rich Life
     


    For more episodes and resources, visit us at SeedTime.com. Let’s continue this journey together towards financial freedom and abundant giving!
    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. 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. 
     

    • 42 min
    (💸02/40) Find your starting point by calculating your “Assets Under Management”

    (💸02/40) Find your starting point by calculating your “Assets Under Management”

    Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God.

    Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals.
    Here's what we're diving into today:
    Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles.
    Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose.
    Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources.
    Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision.
    Get our FREE AUM worksheet at https://seedtime.com/AUM
     

    • 27 min
    (💸01/40) how we went from stranded with $7 to giving $1 million (the full story)

    (💸01/40) how we went from stranded with $7 to giving $1 million (the full story)

    As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering. 
    Our wild ride from the edge of financial despair to experiencing financial miracles. Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll share the game-changing moments that reshaped our view on money and led to abundance in ways we never expected. Dreaming of giving away a million dollars might sound out of reach, but what if I told you it's possible? Let's talk about what happens when your biggest dreams and divine inspiration collide. We've got a strategy for financial victory that goes beyond the numbers. It's about mindset shifts and making smart moves. Curious about the twists and turns on that road? We're sharing all. Generosity isn't just for those with overflowing bank accounts. We found that giving, no matter where you're at financially, has the power to transform not just the receiver's life but yours too. Let's explore how the joy of giving can be part of your life, regardless of your financial status. For us, financial freedom became a tool, not the ultimate goal. It's a means to live out our mission, not the mission itself. What could redefining financial freedom mean for your life and purpose? Sometimes, the key to a financial breakthrough is found where you least expect it. We discovered simple yet profound changes that turned everything around for us. I'm excited to share those with you. Our financial story is more than just our own personal victory. It's a ripple in a larger pond, a call to action for everyone. Let's delve into how your financial journey can impact not just your life but those around you, in ways you might not even imagine. Tune in to not just hear a story of financial transformation but to ignite a spark for your own journey towards a richer life in every sense of the word.



    Links:
    SeedTime.com/true

     

     





     

    • 55 min
    (💸0/40) Big announcement!

    (💸0/40) Big announcement!

    Hey, it's Bob! I've got some incredible news to share with you.
     
    We're kicking off a 40-week series titled "Our 40-week checklist to giving $1 million". Join us as we unveil our strategic checklist over the rest of 2024, packed with actions to propel you forward. Let's do this together!
     
    Each week, we'll unpack a specific action step that we took (and that you should too) that helped us reach that goal of giving away $1 million. 
     
    Let's walk the journey of faith together, anticipating God's miracles in our finances. Your part matters, and with each episode, we embark on a natural-meets-supernatural adventure. Get inspired with our episodes to fuel your financial journey ahead.
     
    Join us for 40 weeks of transformation, learning, and growth. Let's do this!! 
     
     
    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. 

    • 3 min

Customer Reviews

4.9 out of 5
182 Ratings

182 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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