SeedTime Money (Christian living & Personal Finances)

Bob Lotich, Linda Lotich
  • 4.9 (214)
  • CHRISTIANITY
  • UPDATED SEMIWEEKLY
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. 5 DAYS AGO

    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

  2. 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
  3. (💸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. (💸39/40) The Fear-Setting Framework: How to Turn Your Scariest Financial Decisions Into Your Biggest Breakthroughs

    12/28/2024

    (💸39/40) The Fear-Setting Framework: How to Turn Your Scariest Financial Decisions Into Your Biggest Breakthroughs

    What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right? In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month. In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs.    You'll discover: Why God's best often looks like career suicide Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions What Peter teaches us about calculated risk-taking The Hidden Cost of Playing It Safe (and why doing nothing is still a decision) Our proven 3-part framework for evaluating major life decisions   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Fear Setting Worksheet: https://seedtime.com/fearsetting Tim Ferriss's Fear-Setting Exercise (Referenced) Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story) 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/FifSPa5hUlc)!   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.

    28 min
  5. (💸38/40) I Saved $3k By Breaking This One Grocery Shopping Rule (+ 4 Game-Changing Food Budget Hacks)

    12/21/2024

    (💸38/40) I Saved $3k By Breaking This One Grocery Shopping Rule (+ 4 Game-Changing Food Budget Hacks)

    I never thought changing ONE simple shopping habit could save us thousands... But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits. In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries.  You'll discover: The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items The Costco Paradox: How spending more per trip actually saves thousands per year Our controversial take on grocery delivery services (and how we use them to SAVE money) The biblical principle behind smart grocery shopping that most people miss Why managing your grocery budget could be more spiritually significant than you think   Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Instacart Gift Cards at Costco ($100 value for $80) Wild Pastures (Meat Delivery): https://wildpastures.com Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts Amazon Subscribe & Save SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m   Stats Worth Noting: Average American wastes $2,000+ per year on food Potential savings of $3,000/year just by changing where you shop Our findings align with research from leading data science firms about grocery store price variations   Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose. 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/KP9glzjHEbY)! 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.

    29 min
  6. (💸37/40) The 10 best side-hustle ideas of 2025 to turn wasted time into income

    12/14/2024

    (💸37/40) The 10 best side-hustle ideas of 2025 to turn wasted time into income

    We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How? In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses. Here's what you'll learn: Why certain side hustles scale (and others don't) The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job The exact mindset shift you need to transform a hobby into serious income Which platforms are goldmines for specific side hustles right now Why we believe side hustles aren't just about money (and what they're really about) Plus: We share our personal journey of how a simple blog turned into our main source of income and eventually helped us reach our goal of giving away $1 million by age 40.   Key Insight: The most successful side hustles often align with what you're already passionate about. We share examples of people who turned their obsessions (from baby strollers to mattress reviews) into thriving businesses.   📚 Resources Mentioned: Books: Simple Money, Rich Life - Get your free copy (just cover shipping): https://seedtime.com/free Websites & Platforms: Upwork: https://www.upwork.com Fiverr: https://www.fiverr.com Etsy: https://www.etsy.com Rover (pet sitting): https://www.rover.com BookScouter: https://bookscouter.com Instacart: https://www.instacart.com Tools & Apps: Facebook Marketplace: https://www.facebook.com/marketplace Amazon FBA (Fulfillment by Amazon): https://sell.amazon.com/start/fba Link: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m   Want to start your own side hustle? We've been where you are. Whether you're looking to escape a job you don't love or simply want to build something on the side, there's never been a better time to start.   P.S. Have you gotten value from our content? Consider writing a review or sharing this episode with someone who needs to hear it. Your support helps us continue creating content that changes lives. 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.

    46 min
  7. (💸36/40) The Spiritual Secret Behind Every Major Financial Breakthrough (That Nobody Talks About)

    12/07/2024

    (💸36/40) The Spiritual Secret Behind Every Major Financial Breakthrough (That Nobody Talks About)

    Have you ever felt like your prayers for financial breakthrough were hitting a brick wall? Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time). What You'll Discover: Why feeling "stuck" might actually be God's preparation season The counter-intuitive truth about financial breakthrough that most Christians miss How to reframe waiting periods from punishment to preparation The exact scripture that changed everything for us during our hardest season Why maintaining spiritual disciplines is crucial when you feel like quitting The surprising connection between Joseph's prison season and your financial journey   Key Takeaway: Your season of financial frustration isn't a punishment—it's preparation. Just like Joseph's time in prison and David's years running from Saul, God is doing something much bigger than what you can see right now.   The Million-Dollar Truth: If it isn't good yet, then God isn't done yet. Your financial breakthrough might be just around the corner, but the key is learning how to stay faithful in the waiting.   Scriptures Referenced: Galatians 6:9 - "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up." Ephesians 3:20 - "Now to him who is able to do immeasurably more than all we ask or imagine..." Revelation 12:11 - "They triumphed over him by the blood of the Lamb and by the word of their testimony" Philippians 4:19 - "And my God will meet all your needs according to the riches of his glory in Christ Jesus."   Resources Mentioned: 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!   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.

    30 min
  8. (💸35/40) The Hidden Money Hack: How to Afford Your Dreams By Spending Less on Things You Don't Actually Care About

    11/30/2024

    (💸35/40) The Hidden Money Hack: How to Afford Your Dreams By Spending Less on Things You Don't Actually Care About

    Ever feel like your dreams are slipping away because you "can't afford them"? We're about to flip everything you think you know about affording what you love. In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial reality. Here's what you'll learn: The "Priority Stack" method for identifying which expenses are secretly holding you back Why creating "friction" in your spending could be the key to unlocking your dreams How we discovered we could afford to live at the beach (and why most people never realize what's possible) The uncomfortable truth about your Amazon app (and why deleting it might change your life) A revolutionary approach to evaluating expenses that goes beyond basic budgeting Plus, we share our personal revelation about Starbucks spending and how facing this truth led to better decisions - without guilt or shame. 📚 Resources Mentioned: Books: "Simple Money, Rich Life" by Bob and Linda Lotich Get your free copy (just pay shipping): https://www.simplemoney.com/free "Atomic Habits" by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299  Mentioned Names/Concepts: Ramit Sethi's "Money Dials" concept James Clear's environment design principles Link: 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!   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.

    19 min
See All (325)

4.9
out of 5
214 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/

Information

You Might Also Like

To listen to explicit episodes, sign in.

Stay up to date with this show

Sign in or sign up to follow shows, save episodes, and get the latest updates.
Select a country or region

Africa, Middle East, and India

Asia Pacific

Europe

Latin America and the Caribbean

The United States and Canada