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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:

Business savings accounts I found paying 4% or more... Dec 09, 2023

Show notes

Today, I'm diving deep into the world of business savings accounts and how you can make your money work harder for you and your faith.

With interest rates climbing, I've scoured the market to find the best options for your business savings – and I can't wait to share these gems with you. Whether you're a seasoned business owner or just starting, this episode is packed with valuable insights and practical tips to enhance your financial stewardship.

Key Topics and Questions:

The State of Business Savings Accounts: How have rising interest rates affected the options available for business savings? I delve into the current landscape.
Discovering High-Yield Options: I share my personal journey of finding business savings accounts that offer more than the standard 0.1% interest rate, including some that offer up to 4%.
Bank Selection: Why did I choose Relay Bank for my primary business checking account, and what makes them stand out in the market?
Top Business Savings Accounts: I discuss my top picks, including LiveOak Bank, Axis Bank, and the unique Wesleyan Investment Foundation.
Balancing Returns and Risks: Understand the balance between high returns and the security of FDIC insurance.
My Personal Finance Moves: Find why I chose the bank I did my business savings and why I didn't choose the other options.

Resources Mentioned:

Relay Bank: A standout option for business banking with a savings rate higher than most.- https://seedtime.com/relay/
NerdWallet Article: Provided crucial information in my research for high-yield savings accounts- https://nerdwallet.com/best/small-business/business-savings-accounts
LiveOak Bank: Offering a 4% business savings account and a 6-month business CD with over 5% interest.- https://liveoakbank.com/business-banking/business-savings/
Axos Bank: A good choice for those with an existing personal account, offering a 4% business savings account with a $5,000 minimum deposit.- https://axosbank.com/Business/Small-Business-Banking
Wesleyan Investment Foundation: A unique investment opportunity for Christians, offering up to 6% interest while supporting church loans.- https://wifonline.com/

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/cBWL5T1XxpY)!

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.

Mint.com is shutting down... (our 2 favorite alternatives) Dec 02, 2023

Show notes

With Mint.com closing its doors, many are left wondering, "What now?"

Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today.

Here's a sneak peek of what we cover in this episode:

The Limitations of https://Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a lack of built-in accountability. This lack of consequences for overspending makes it easier to deviate from your budgeting goals.
Our Go-To Financial Tracking Tool: Discover the power of the Empower Personal Dashboard, our primary tool for the past decade. It's a free, comprehensive app that excels in financial tracking, overshadowing what Mint offered.
Revolutionizing Budgeting with The Real Money Method: Learn about our unique approach to budgeting, which doesn't rely on traditional apps, envelopes, or spreadsheets. We share how this method promotes unity in finances and simplifies money management, making it quicker and more effective.

Resources Mentioned:

Empower Personal Dashboard: Our top recommendation for financial tracking.- https://seedtime.com/2/empower.php
The Real Money Method: A budgeting approach that ditches complexity for simplicity and effectiveness.- https://seedtime.com/realmoney
Check out the details and enroll here to transform your financial life. Get 20% off our Real Money Method Training Program with code MINT20.0 - https://seedtime.com/realmoneymethod

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Don't miss out on this episode full of practical advice and real-life stories that will inspire you to take control of your finances in a way that aligns with your values and lifestyle. Tune in to find out how you can start writing your own success story today!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ZP7-VEEgQ-o)!

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.

The 4 red flags of the Tranzact card (why I am saying NO to the Tranzact card…) Nov 28, 2023

Show notes

I have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven't heard, basically it is a debit card that provides "Z-Bucks" that can be used to buy everyday items.

In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year…

I have some friends who are using it and who are excited about it, but I always do my own due diligence and go with my intuition and I am not feeling good about it.

These are the red flags and the reasons I am passing on Tranzact (and make sure you listen til the last one, because it is the nail in the coffin for me.)…

🎯Resources Mentioned:

Tranzact Rewards Debit Card: An overview of the card, its features, and the claims made by the company - https://tranzactcard.com/
Our Courses: here at SeedTime - https://seedtime.com/courses/
Temu: online marketplace - https://temu.to/m/uzjjld5k7io
Richard Smith charged with securities fraud in 2010 - http://www.kleinutah.com/wp-content/uploads/2009/11/Criminal-ProbCauseAff-Aug13101.pdf

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/KEEkZthci7E)!

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.

[DEVO] Critically important keys to succeeding as a Christian Nov 18, 2023

Show notes

Today, we're diving deep into the Parable of the Talents and how it holds the keys to succeeding as a Christian—yes, even in your finances. So pull up a chair, grab your Bible, and let's get started.

Are you struggling with managing not just your money but your time, relationships, and other God-given resources?
Do you feel like you're holding back from multiplying your God-given talents out of fear?
Want to discover how divine mandates can shift your perspective and align your life more closely with God's purposes?

Here's What We're Covering:

Intro to the Parable of the Talents

Where to find it: Matthew 25:14-29 (New Living Translation for readability)
The overlooked depth of this parable beyond just finances
How this parable aligns with teachings on the end times

The Characters and Their Significance

The Master (God), The Servants (Believers), and The Talents (Resources)
Delegating according to abilities: what does it mean for us?

Key Themes You Can't Ignore

Stewardship: Managing what you've been entrusted with
Investment: The principle of growing your God-given talents
Accountability: Yep, you will be held responsible

Modern-Day Relevance

Pushing back on today's "me, myself, and I" culture
The immediate application for Christians today

Fear vs. Faith

Personal stories of how fear held me back
Why stepping out in faith isn't the same as taking a risk

Divine Mandates vs. Good Advice

This is not just some good life advice; this is about aligning ourselves more closely with God's purposes.

By the end of this episode, my hope is that you won't just think of this parable as a "money lesson" but see it as a guide on how to be more in tune with God's purposes in every aspect of your life, including your finances. Let's bust some myths and dig into the life-transforming wisdom that this parable holds.

Resources Mentioned:

YouVersion Bible App: Search for my plans under 'Bob Lotich' or 'SeedTime' to find our newly released devotional about the Parable of Talents. - https://www.youversion.com/
New Living Translation (NLT) Bible: The version I used for today's reading, which makes the text super accessible. - https://www.bible.com/versions/116-NLT-new-living-translation

Hey, if this episode blesses you, it's going to bless others too. So share it with your friends, your family, and anyone else you think needs to hear it. Until next time, take care and God bless!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/1rFETI90xzA)!

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.

Hate mail of the day re: credit cards (are they evil?) Nov 11, 2023

Show notes

We're diving deep into a topic that's both controversial and unavoidable: credit cards. Today, we just want to share our own take on credit cards. No fluff, no shaming—just our honest thoughts.

What's in this episode for you?

Listen to this episode if you want an open, authentic discussion on a topic many consider taboo but is nevertheless something we all have to deal with. Whether you love 'em or hate 'em, after this episode, you'll have a more nuanced perspective on credit cards. Trust us; you won't want to miss this one!

Resources Mentioned:

Our email list: The best deals, practical tips, and spiritual insights are all there. To join, head over to https://SeedTime.com/subscribe
Bible Money Matters Blog: An old friend's financial blog that even got Dave Ramsey to comment once. - https://www.biblemoneymatters.com/
Our book: Simple Money, Rich Life - https://SeedTime.com/smrl
Our article: Our 3 Simple Rules for Credit Cards - https://seedtime.com/credit-card-rules/

P.S. If you haven't already, don't forget to subscribe to the podcast so you won't miss out on any future episodes that will help you manage your God-given resources better!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/g-HCqZrthXw)!

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.

🎄 6 of my best tips to save tons of money Christmas shopping Nov 08, 2023

Show notes

In this episode, I'm unpacking some of my personal money-saving hacks that can keep your wallet happy during the most wonderful (and expensive) time of the year.

Resources Mentioned: 6 apps, tools, and ideas I have used to save thousands over the years!!

Rakuten: $40 signup bonus, but you have to go through our link because they don't make it publicly available - https://seedtime.com/rakuten
Honey: A browser extension that automatically finds and applies coupon codes at checkout for over 30,000 shopping sites - https://www.joinhoney.com/
CamelCamelCamel: Amazon price tracker that shows you the price history of items, so you know if you're getting a good deal - https://camelcamelcamel.com/
Slickdeals: A community-driven deals website where users share and vote on the best deals- https://slickdeals.net/
Our Real Money Method (un)budgeting course: this is the course where we go behind the scenes of how we actually manage our money month to month - and this method has kept us from NOT going into Christmas debt ever since we started using it - https://seedtime.com/realmoney/
Shopping during Black Friday window - this is generally when the best deals are, so focus your shopping around this time.

🎯Bonus Resource: Need some gift ideas for the person who has everything? Check this out: https://seedtime.com/the-top-10-christmas-gift-ideas/

(Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/vergtgUg-Ug)!

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 change who you'll become 5 years from now Nov 01, 2023

Show notes

In today's episode, we had a super raw and real conversation about how to change who you will become in the next five years. The key? Taking a hard look at the inputs in our lives. Before we dive in, a HUGE shoutout and Happy Birthday to Linda! 🎉

🎙️ In this episode, we cover:

The importance of growth and change in our journey with Jesus.
The iconic quote about how we are the sum of our five closest friends and the books we read. But is that all there is to it?
How we can think about "inputs" in our lives more broadly - from friends, to social media, to the shows we watch, and of course, our faith.
Why merely thinking positive might not be enough. The surprising power of avoiding negativity.
Our thoughts on TikTok and a fun theory we heard (no shade to the TikTok lovers out there!).
Three actionable ways to become a better version of yourself in the next five years:

Decide to make an intentional change.
Eliminate the negative inputs that hold you back.
Increase positive inputs and surround yourself with those who lift you up.

A personal story about the challenge of finding the right friends and how being intentional about it can make a world of difference.
The underrated value of books and why I'll forever advocate for them. 📚
A mindset shift about the timeframe of change and how our lives can be radically different in five years.

Resources Mentioned:

💡 Final thoughts: Growth requires effort, intentionality, and sometimes discomfort. But remember, God's got you through it all. Whether you're in a season of growth or you feel a bit stuck, I hope this episode inspires you to evaluate, change, and march toward the best version of yourself.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/8v7ro8pzrEs)!

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.

Listen to this if you want your faith stirred up Oct 28, 2023

Show notes

This simple story from my devotional has been one of the most impactful stories I have heard. Join us as we dive deep into an inspiring story that challenges our perception of faith and God's provision. This episode is not just about money or finances but about life's unexpected challenges and the miraculous ways God intervenes when we trust Him.

🔑 Key Topics Covered:

The incredible testimony of George Muller's faith in the midst of adversity.
What true reliance on God looks like, even in the densest fogs of life.
Why we often limit our perspective to options A and B when God has infinite solutions.
The significance of prayer in our daily lives and decisions.
How faith challenges our worldly thinking and the importance of trusting God over our own understanding.
Learn how to surrender to God's solutions rather than relying solely on our limited human reasoning.

Resources Mentioned:

Tune in to this episode to be uplifted, inspired, and reminded of the infinite ways God can provide, even when the path seems unclear. Whether you're facing financial struggles or personal challenges, remember that God has endless solutions beyond our imagination. All it takes is trust, prayer, and a bit of faith.

Let's embark on this journey together, challenge our perspectives, and grow in our faith!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/NIIYFpnW4Ss)!

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.

Does God care more about paying off debt than ending child abuse? Oct 25, 2023

Show notes

Hey friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you.

🎙 What We're Covering:

Why Would God Help with "Selfish Prayers"?
- Addressing the doubts and concerns raised about why God would help someone pay off debt rather than solve world hunger or stop child abuse.
- Linda and I get it, guys. We've cried our eyes out over the injustice in the world. We share in your heartbreak, and I talk about that emotional conflict
- If you've ever wrestled with the morality of praying for personal financial blessings, this is your episode.
- We're all about authentic and real conversations here, so no beating around the bush. We tackle tough questions head-on.
- For those of you who want to increase your financial giving, get inspired to see how financial freedom can exponentially grow your impact.

We're not just talking dollars and cents; we're talking about soul-stirring, life-changing stuff here. The kind that makes you rethink not just your finances but your whole life's purpose.

Trust me; you don't want to miss this episode. It could very well be the paradigm shift you need to understand the intertwined beauty of financial stewardship and divine purpose.

See you on the inside! 🎧

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/uFJexJu16no)!

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.

Note: As always, this podcast isn't just for informational purposes. It's an invitation to shift perspectives, to think a little deeper, and maybe, just maybe, get one step closer to fulfilling your God-given potential.

If you understand this 1 thing, it'll make almost everything easier (the valley of disillusionment) Oct 21, 2023

Show notes

If you've ever found yourself super excited about a new venture only to feel completely disillusioned shortly after, this episode is for you. It's a powerful deep dive into the emotional journey many of us take when starting something new, and it's filled with practical insights, anecdotes, and advice to guide you through. So plug in, lean in, and let's navigate this valley together. Blessings!

📌 Inside this episode, we'll unpack:

The universal path many face when starting something new, be it a business, parenthood, or any other venture.
The critical points where decisions are made and why these might be the worst times to decide.
The importance of knowing your purpose and how it can anchor you during challenging times.
A practical chart explaining the ups and downs of expectations vs. reality.
How the biggest challenges can lead to the biggest growth.
Why speed bumps, obstacles, and failures aren't necessarily setbacks but part of the journey.

✨ Golden Nuggets:

"When you have a strong enough why, you can endure almost any how." - Viktor Frankl
Understanding The Valley of Disillusionment means you can navigate it better.
"Every time we are doing things in line with God's will, there is a domino effect of side effects and positive benefits to that action."
Quote of the Episode: "If you want to double your rate of success, you need to double your rate of failure." - Founder of IBM

Links & Resources Mentioned:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/7Isf9aD9Cvo)!

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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