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SeedTime with Bob and Linda Lotich — Business
SeedTime with Bob and Linda Lotich

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

Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.

Oh and we have a different take on money than most financial experts. 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.

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, Levi Lusko, 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 real lives.

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/

Copyright: © SeedTime (SeedTime.com)

Latest Episodes:

(💸13/40) How a 10-min 'Survival Budget' Can Transform Your Finances and Bring Peace Jun 29, 2024

Show notes

In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty.

🔎Here's what you're going to discover:

The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters)
Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying
The surprising area where most people can save a ton of money (hint: it's not what you think)
How I used this technique to stay afloat after a soul-crushing layoff in 2008

But here's the kicker: This isn't just about cutting costs.

It's about finding HOPE when everything seems to be falling apart.

It's about taking control when the world feels out of control.

It's about transforming panic into peace of mind.

Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience.

Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights.

Let's dive in.🎧

Resources Mentioned:

14-Point Checklist to Give $1M by Age 40 - 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 @seedtime (https://www.instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)!

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.

(💸12/40) The Shocking Truth About Money and Happiness: Why Most of Us Have It All Wrong Jun 22, 2024

Show notes

In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things.

We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.

🎯 Key Takeaways:

We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness
We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on
We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing
We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time
We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point

Resources Mentioned:

The 4-Hour Work Week by Tim Ferriss (book) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113
Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/
Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water
Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com
14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us!

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 (https://youtu.be/LGtdftpt0yQ)!

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.

(💸11/40) How I Made $2,145 in 30 Days Selling My Clutter (and How You Can Too) Jun 15, 2024

Show notes

Have you ever felt overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process?

In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results we achieved.

🔍Discover:

Why minimalism isn't about living with nothing, but about intentionally promoting the things you value most
How decluttering your home can lead to greater mental clarity and increased enjoyment of your possessions
The three key platforms I used to sell our items and maximize our earnings

I break down the process I used for each platform, sharing insider tips and strategies to help you achieve similar results. I also explain how this challenge ties into our larger goal of giving away a million dollars, emphasizing the importance of stewardship and maximizing the effectiveness of what you have.

💫The Challenge: Think you can beat my record of making $2,145 in 30 days by selling your clutter? Take on the challenge and email me (bob@seedtime.com) with your results for a special surprise bonus!

🎯 Key Takeaways:

Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact.
Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom.
By maximizing your resources and being a good steward of what you have, you can create opportunities to be more generous and make a positive impact on the world.

Resources Mentioned:

Blog post: "How I made 2k Decluttering" - https://seedtime.com/how-i-made-2k-decluttering
How to use Bookscouter - https://youtu.be/FafS-c4YaRY?si=aXPp7197uyLizprn
Joshua Becker: Minimalism Expert - https://instagram.com/joshua_becker
Becoming Minimalist: Joshua Becker's blog - https://becomingminimalist.com
The Minimalist Home: book by Joshua Becker - https://amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999
Clutter Free with Kids: book by Joshua Becker - https://amazon.com/Clutterfree-Kids-thinking-Discover-habits-ebook/dp/B00HYNJKCU
BookScouter.com: website and app for selling books - https://BookScouter.com
Facebook Marketplace: platform for selling items locally - https://facebook.com/marketplace
eBay: global online marketplace - https://ebay.com
14-Point Checklist to Give $1M by Age 40 - 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 @seedtime.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/TVSjcd-rwg0)!

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.

(💸10/40) The 1% Challenge: The Absurdly Simple Habit That Can Transform Your Financial Life Forever Jun 08, 2024

Show notes

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 - https://seedtime.com/true
14-Point Checklist to Give $1M by Age 40 - 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 @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/8vq_t8agNe0)!

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.

(💸09/40) The Surprising Science Behind Celebrating Small Wins (and How It Can Make Your Financial Dreams a Reality) Jun 01, 2024

Show notes

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. - https://seedtime.com/snowball
Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl
Harvard Business School Study: Research by Teresa Amabile on the power of small wins and their impact on motivation. - https://hbr.org/2011/05/the-power-of-small-wins
14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/

🎯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 https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/i6DzhXea8ng)!

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.

How to END fear in your finances (with Jamie & Donna Winship) May 29, 2024

Show notes

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 - https://amazon.com/Living-Fearless-Exchanging-World-Liberating/dp/0800740297
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. - https://identityexchange.com
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. - https://identityexchange.com/finding-hope-in-depression

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 (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sIescTfM6DA)!

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.

(💸08/40) The one rule that turned a janitor into a multimillionaire (and how you can use it to secure your financial future) May 25, 2024

Show notes

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. - https://rocketmoney.com
Simple Money, Rich Life: Our book that delves deeper into the strategies discussed in the podcast. - https://seedtime.com/smrl
True Financial Freedom Class: A six-week course offered in various churches and small groups to help individuals achieve financial freedom. - https://seedtime.com/tff
14-Point Checklist to Give $1M by Age 40 - 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 @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2VK8zxlYG34)!

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.

(💸07/40) 10 financial prayer points you should be praying about (& the power of prayer in your finances) 🎉 FREE Download 🎉 May 18, 2024

Show notes

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. - https://seedtime.com/prayers
Bible Verses About Money: Explore over 250 Bible verses curated by Bob Lotich - https://seedtime.com/money-in-the-bible/
True Riches by Greg Balmer: A thought-provoking book on materialism in the American church - https://amazon.com/True-Riches-Jesus-Really-About/dp/140020853X
14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/

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 https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/q5KY3VJItJU)!

(💸06/40) The 7 Telltale Signs Your Budget Is Broken (And How to Fix It Before It's Too Late) May 11, 2024

Show notes

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. - https://seedtime.com/smrl
Our Real Money Method course offers a fresh perspective on budgeting that has helped thousands of our students find success where other systems failed. - https://seedtime.com/realmoney
14-Point Checklist to Give $1M by Age 40 - 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 @seedtime (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/g722RLd94LU)

(💸05/40) Why Most People Fail to Reach Their Financial Goals and How You Can Beat the Odds by Understanding the 2 phases of financial progress May 04, 2024

Show notes

Today's episode dives deep into the transformative understanding of the two crucial phases of financial progress. This isn't just about money—it's about changing your life perspective and aligning your financial actions with God's promises.

🔍 Key Highlights:

Discover The Two Phases of Financial Progress That Can Make or Break Your Success
How Understanding This Simple Truth Drastically Increased Our Chances of Reaching Our Million-Dollar Giving Goal
The Surprising Key to Accelerating Your Financial Progress, Even When You Feel Like You're Going Nowhere
The Vision Phase: We discuss how this initial phase is about setting sights on what could be, often feeling like you're not making progress despite your best efforts. It's tough but crucial for setting the groundwork.
The Momentum Phase: Learn about the tipping point where efforts start paying off more than you put in, bringing a thrilling sense of acceleration towards your goals.

Resources Mentioned:

"Atomic Habits" by James Clear for understanding the impact of small consistent actions - https://amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299
14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/
Connect with Us: Follow and DM us on Instagram - @SeedTime for personalized advice and to share your success stories. - http://instagram.com/seedtime

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 (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/XX3ToY2ibxY)!

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.

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