217 episodes
Seed Time Money with Bob & Linda Lotich Bob & Linda Lotich
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- Religion & Spirituality
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4.9 • 152 Ratings
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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.
Oh and you don’t have to live like a pauper, become an accountant, or work 100 hour weeks. 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, Ruth Soukup, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.
After subscribing, visit your favorite bookstore or library and grab our book ‘*Simple Money, Rich Life*’ where we share the 4-part Biblically-inspired formula we followed to completely turn our financial life around.
And for daily encouragement and tips, stop by http://seedtime.com/ to get our newsletter, where we share all our best stuff.
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A Biblical formula for paying off debt miraculously fast
Today we discuss a biblical formula for paying off debt miraculously fast. While the idea of a biblical formula may seem odd, we explore a passage from 2 Kings 4 that reveals the key to unlocking supernatural financial miracles.
What we are covering today:
Discover the "Biblical Formula" for paying off debt miraculously fast
Uncover the secret behind leveraging what's already in your house to make a dent in your debt
Learn how a simple question from the Bible can transform your financial situation – what do you have that God can bless and multiply?
Explore the power of surrounding yourself with the right people in your debt-free journey and why shutting the door to naysayers is crucial
Get inspired by real-life examples of ordinary people turning their seemingly insignificant skills into extraordinary opportunities
How to unlock the potential of your faith and open the door to supernatural miracles in your finances
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 300 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. -
The "wealthy" mindset vs the "middle class" mindset (and God's system for multiplication)
Lot's of great stuff in today's episode, friend! We are going to be talking about the difference between the wealthy mindset vs the middle-class mindset and why it has nothing to do with how much you earn. We are also going to explore God's design for multiplication and how it directly applies to our financial lives.
Uncover the crucial differences between the middle-class and wealthy mindsets
Unlock the power of long-term thinking for exponential financial growth
Learn the secret to creating a sustainable and ever-growing cycle of wealth
Find out how shifting your mindset can lead to true financial freedom
and a lot more!
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 300 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. -
10 reasons you're not sticking with your budget
In this episode of the SeedTime Money podcast, we dive into 10 reasons why you might not be sticking to your budget and discuss how you can overcome these obstacles. Inspired by @IanBuildsWealth on Instagram, we share insights on how to create a realistic and effective budget that works for you.
Here's what we cover in this episode:
✅ The common budgeting myth that's sabotaging your financial goals - and how to fix it for good
✅ Why your budget might be failing you, even if you think it's working well - and the steps to supercharge your progress
✅ The surprising reason your budget is "janky" and difficult to stick to - and the simple mindset shift to make it work like a well-oiled machine
✅ The one thing you absolutely need to include in your budget for it to be successful
✅ How to use a zero-based budget to take control of your money and finally stop wondering where it went
✅ The budgeting method that works like nothing else, allowing you to use real money without cash or envelopes
✅ The importance of having realistic numbers in your budget and how it can make or break your financial success
✅ How to make your budget work for your unique lifestyle and personal financial goals, no matter where you live or what you do
Links:
Our Real Money Method Budgeting Course
Ian Builds Wealth
Empower (spending tracker)
Instacart (grocery delivery)
Rover (pet sitting)
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 300 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. -
7 ways to bless someone with your wallet
In this episode we are exploring 7 of our favorite ways to bless someone financially. So if you need some gift ideas or other ideas of how you can use your wallet to be a blessing to someone in your life, we think you'll like this episode.
Here are the ideas/links mentioned:
(01:18) Pray about who you can be a blessing to today
(01:40) Our True Financial Freedom Class
(02:34) Send money on Venmo
(03:56) Spoonful of Comfort
(06:11) Alabaster Co
(07:11) But God (book)
(08:03) Buy from an artist or small business
(13:39) Buy a spa treatment
(15:34) Buy a book for someone
(16:07) A Gift from the Sea (book)
(16:14) I’m so Glad You Were Born (book)
(18:31) Pay for a couple to go on a date and/or a babysitter for their kids
DM us 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 300 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.
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Do this when you are getting ripped off and/or being treated unfairly
A friend recently shared how she is being unfairly paid at her job and a lot of good came out of the conversation we had. You don't want to miss this episode if you're looking to transform your mindset around money, generosity, and faith. Get ready for some incredible insights, as we explore:
🔸 The power of reframing an unfair situation
🔸 The importance of tracking your giving
🔸 How generosity can impact your financial success
🔸 Trusting God in your financial journey
🔸 A surprising mindset shift to embrace in your giving process
🔸 The art of turning unexpected expenses into acts of generosity
🔸 Learning to trust God as our provider in all circumstances
Join us in this uplifting conversation and discover how you can unlock the joy of giving, even in the most challenging situations. This episode will give you the tools to not only change your financial mindset but also strengthen your faith in the process. And share with a friend who needs to hear 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 300 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. -
The money secret I have been hiding from Bob
This ought to be a fun one in which other married couples can relate to. Have you ever felt out of sync when it comes to your finances and budgeting?
But what if there's a crack in the budget? We invite you to our conversation where Linda shares this "money secret" that she's been hiding from Bob. Let us know if you can relate…
🔑 Key Topics Covered:
We’ve tested out several budgeting methods
Previous budgeting methods just didn’t work for us and it would lead to confusion and overspending
Linda found a “crack” in our budget that would allow uncontrolled spending
We created a budgeting system that works for us, Our Real Money Method!
We now maintain financial accountability with ease
Links:
Our Real Money Method Budgeting Course
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 300 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.
Customer Reviews
Great podcast for financial growth with spiritual wisdom and humor mixed in!
Great podcast!! I’ve read simple money rich life and loved it- such a great combination of practical financial tips combined with spiritual wisdom. I especially love the focus on giving and having a “kingdom finance” mentality. I’m planning to take the TFF and 10x courses down the road. In the meantime, I love the weekly podcasts as a way to keep my financial priorities in order, plus I always get a laugh at something y’all say!
Love the biblical perspective
You guys are so easy to listen to, so encouraging, and practica! Thank you so much for sharing your knowledge and experience. The first time I heard about you guys was through the Proverbs 31 Ministries podcast. It was amazing to hear about your tithing experience! I want this kind of faith! Please pray for me!
Logical Advice
I enjoy listening to Seed Time Money on my way to work. Bob and Linda offer logical, sound advice about spending and saving. They do not take ownership of their success; instead, they give God glory for everything they have. Next step: read their book!