SeedTime Money (Christian living & Personal Finances)

Bob Lotich, Linda Lotich
SeedTime Money (Christian living & Personal Finances)

👉 Want to be debt-free this year? Want to stop counting the days til payday? Want to have the money available to do all the dreams God has put on your heart? Well, for the rest of 2024, we are running a 40-week series where we share our 40-week checklist to eliminate debt, build wealth, and give $1 million. Each week, we share specific action steps we took to go from maxed-out credit cards with debt collectors calling to being 100% debt-free and reaching our biggest financial goal of giving away $1 million. Each week is going to leave you with a specific step you can take to reach your financial goals way faster than you thought! 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 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, 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 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/

  1. 1 DAY AGO

    I’m a Financial Expert: Here are 10 Ways I Save on Groceries Every Month

    Let’s be honest—grocery prices are out of control. If you feel like you’re spending WAY too much on food, you’re not alone. In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love.   🚀Inside this episode, we cover:  The BIGGEST grocery store mistake (and how to stop making it)  How to meal plan like a pro (even if you hate meal planning)  The secret grocery store timing trick that can save you 30%+  Why we stopped using Green Chef (and what we’re doing instead)  Costco vs. Aldi vs. Trader Joe’s—what’s ACTUALLY worth it?   📚Resources Mentioned: Article Mentioned -  https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html  Instacart – How we use it to avoid impulse purchases - https://www.instacart.com   Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com   Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking   My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX  How to Find Grocery Store Sales – A deep dive into the best times to buy.     💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear 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 (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/c3UtEC54STA)!   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.

    20 min
  2. FEB 15

    5 tips for Money and Marriage

    Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process.   🔎We’re talking about: The #1 mistake couples make with money (and how to fix it fast) How to plan your finances together without it turning into an argument The controversial topic of joint vs. separate accounts—what actually works? Why budgeting isn’t just about numbers—it’s about freedom and alignment The secret sauce that divorce-proofs your marriage (seriously, don’t skip this one)   🎯One big takeaway?  Money isn’t just about dollars and cents—it’s about unity, trust, and making sure you’re working as a team. Whether you’re newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it.   🎙️Listen now and start winning with money AND marriage!   📚Resources Mentioned: His and Her Money Podcast – Hosted by Talaat & Tai McNeely (hisandhermoney.com) Chuck Bentley – CEO of Crown Financial Ministries (crown.org) Crystal Paine – The Money-Saving Mom (moneysavingmom.com) Budgeting Tools – YNAB (youneedabudget.com) & EveryDollar (everydollar.com) Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21   👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this!   💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear 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 (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/b58UEKRjeKY)!   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 800 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.

    32 min
  3. FEB 8

    We Paid Off Our House at 31 (5 Unconventional Money Moves That Made It Happen)

    How did we crush a 30-year mortgage in just 3 years? We’re breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too.   🔎In this episode, we cover: The radical mindset shifts that changed everything. Why you should never let the bank dictate how much house you can afford. The power of prayer and giving (and how they impacted our finances). Tools and strategies we used to track every dollar (and why most budgets fail). How discovering and monetizing your God-given gifts could be the key to financial freedom.   Plus, we’re sharing personal stories, practical tips, and the scripture that guided us on this journey.   📚Resources Mentioned: Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free Empower Personal Dashboard: empower.com Rocket Money App: rocketmoney.com Real Money Method - Learn more on: SeedTime.com/realmoney   👉 Don’t forget to leave a review—it helps more people hear this life-changing message!   🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_K1ri6q_Kbo)!   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.

    34 min
  4. FEB 1

    Why Heaven Uses Gold As Pavement & What It Means For Your Money Today

    In this episode, we’re diving deep into an astonishing truth about Heaven’s streets of gold and what it teaches us about abundance, provision, and God’s priorities. Spoiler: Heaven’s economy makes Earth’s GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God. 🔎Here’s what you’ll learn: The mind-blowing value of Heaven’s streets (hint: 67 quintillion dollars worth of gold). Why God uses gold as pavement and what it tells us about His priorities. A.W. Tozer’s insight on the most important thing about you. How understanding God’s abundance can change your financial perspective. Practical encouragement for trusting God through financial struggles.   📚Resources Mentioned: Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl Bible References: Revelation 21, Matthew 6:26, Philippians 4:19. More about Heaven’s streets of gold: Revelation 21   👉 If this episode encouraged you, share it with someone who needs hope today!    🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear 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 (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/GOmsHYD2fTw)!   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.

    11 min
  5. JAN 25

    If you have more than $1k in your bank account, make these 6 moves

    In this episode of the SeedTime Money Podcast, we’re breaking down 6 game-changing money moves you can make with just $1,000. Whether you’re hitting this financial milestone for the first time or you’re ready to maximize your savings, these steps will help you make smarter decisions with your money today.   🔎 I’ll Cover: A passive way to dip your toes into real estate investing with just $10 (yes, seriously). Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one). How investing in your financial education can literally change your life. A free tool to calculate when you’ll be able to retire and stay on track. Why the right credit card can actually work in your favor. How to protect your money from fraud and hackers (don’t skip this step!).   💡Resources Mentioned: Fundrise: A simple way to invest in real estate – https://seedtime.com/fundrise-1000 CIT Bank: High-yield savings account – https://seedtime.com/cit-1000 Motley Fool Investing Course: https://seedtime.com/motley-1000 SeedTime's 10X Investing Course - https://seedtime.com/10x  Empower Retirement Planner: https://seedtime.com/pc-1000 Chase Sapphire Preferred Credit Card: https://seedtime.com/sapphire-1000 LifeLock Identity Protection: https://seedtime.com/lifelock-1000   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). 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.

    17 min
  6. JAN 18

    How to start a $10K/month coaching business in 2025

    If you’ve ever thought, ‘I’ve been through something life-changing—I need to share this,’ then stop scrolling. This episode is for you. We’re diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I’ve ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business. This isn’t fluff. It’s a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality.   🔎We’ll Cover: Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model. The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational). Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus’ example of going deep with 12 disciples. Why one type of person is WAY easier to sell to and how to create offers that provide massive value. The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care. Practical exercises to identify and overcome fears holding you back. How to discern if coaching is your God-given calling and whether it’s the right time to start.   📚Resources Mentioned: Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob You’ll get two free resources for scheduling! ‘High-Ticket Offer’ Template: A step-by-step guide to creating your first high-ticket coaching offer. How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you’re bad at marketing. Bible Verses Mentioned: Proverbs 1–9: The importance of wisdom and choosing the right voice. James 1:5: “If you lack wisdom, ask God, and He will give it generously.” Jeremiah 33:3: “Call to me, and I will answer you and tell you great and unsearchable things you do not know.”   🎯Action Steps: Pray and ask God if coaching is the right step for you. Reflect on the transformation you’ve experienced in your life—this is the foundation of your coaching offer. Use the free tools provided in the episode to create your first offer and marketing plan. Take the first step: Schedule a free strategy session to refine your vision and start building your business.       👉 Listen now and start building your $10K/month coaching business today!   🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear 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 (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/UOdpcehveJU)!  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.

    1h 2m
  7. JAN 11

    Why Your Business Bank Account Is Holding You Back (and how to fix it with Relay)

    I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today’s episode, we’re diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank. If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you. Here’s What We Cover: My frustrating 17-year journey with business banking (and how I finally found the solution). What makes Relay different: Fee-free accounts, multiple checking accounts, and built-in features designed for entrepreneurs. How Relay integrates with the "Profit First" method to simplify your finances and increase your profits. A sneak peek at Relay’s game-changing features, like virtual cards, receipt capture, and ACH payments. Relay’s upcoming innovations, including their new credit card and payment request feature launching soon.   Resources Mentioned: Relay Bank: Open a free business account: https://seedtime.com/relay2 Profit First by Mike Michalowicz: https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X Real Money Method:  https://seedtime.com/realmoney    Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.   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).

    28 min
  8. (💸40/40) A Dying Man's Last Money Lesson: A Sobering Message from a Dying Financial Advisor That's Waking Up the Western Church

    JAN 4

    (💸40/40) A Dying Man's Last Money Lesson: A Sobering Message from a Dying Financial Advisor That's Waking Up the Western Church

    What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact. You'll discover: How Western Christians are sitting on a $100 billion opportunity for kingdom impact The shocking truth about what percentage of Christian giving actually reaches global missions Why being "rich toward God" looks different than most people think How a failed actor became an unlikely expert in kingdom investing The surprising joy that comes from radical generosity What George Mueller's legacy in China teaches us about strategic giving   Key Stats That Will Challenge You: Only 2.5% - What Western Christians currently give Only 0.25% of Western Christian giving reaches outside the West $30,000/year puts you in the top 1% globally What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free God Calling Devotional Organizations Referenced: • Five Talents • Jesus.net • 500K in India SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 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/lnBFd_cSYJQ)!

    30 min
4.9
out of 5
217 Ratings

About

👉 Want to be debt-free this year? Want to stop counting the days til payday? Want to have the money available to do all the dreams God has put on your heart? Well, for the rest of 2024, we are running a 40-week series where we share our 40-week checklist to eliminate debt, build wealth, and give $1 million. Each week, we share specific action steps we took to go from maxed-out credit cards with debt collectors calling to being 100% debt-free and reaching our biggest financial goal of giving away $1 million. Each week is going to leave you with a specific step you can take to reach your financial goals way faster than you thought! 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 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, 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 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/

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