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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:

The single highest earning investment you can make (with the lowest risk) Apr 13, 2023

Show notes

Today we are talking about the single highest earning investment you can make now (and that you should ASAP). And no it isn't Crypto, Forex, or any other stock pick. It is actually something far easier and more accessible for all of us.

Oh and this is our first ever LIVE podcast episode. As in, we live-streamed it on our SeedTime Money podcast channel here: https://www.youtube.com/channel/UCREfMgyUzMp5UAI0ALjCnSw

For the remainder of April we are going to be live-streaming episodes each Thursday at 1p CST / 2p EST if you'd like to join us!

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/-ZhVM95VvSw)!

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.

Financially successful NEVER depend on willpower, they do this instead Apr 12, 2023

Show notes

In studying countless wealthy people I have discovered there is one thing that they NEVER do. They never depend on their willpower to succeed. They find a way to create a system that will automatically lead them to the success they are after.

In today's episode, we are looking at how you and I can steal their secret and apply it to our lives.

Links:

Automatic Millionaire book by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085
Our Book: Simple Money, Rich Life - https://seedtime.com/smrl

Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/kZAYXJWlWck

These are a few of the topics we cover:

Why you should not rely upon willpower
You can become a millionaire by automating a few things
The secret of financially successful people
How we pay income taxes has changed over the years
How to not think about things you don't want to think about
How to become a more consistent giver
Have you been saving for your retirement?
What are the areas in your life that you can automate?

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.

Fundrise Innovation Fund: Should you invest in it? Apr 08, 2023

Show notes

Today I am going to break down the Fundrise innovation fund - I'll share what I like about it, my 2 biggest concerns, how risky of an investment this is and who should definitely NOT invest in it.

And then I'll give you my verdict on if I am going to be investing in it. I keep getting people asking me about this so I decided it was time to talk about it… so without any further delay, here are my thoughts on the Fundrise Innovation Fund.

Links:

Get the Fundrise $10 signup bonus: https://seedtime.com/2/fundrise.php
Fundrise Innovation Fund: https://fundrise.com/offerings/26/view
Our 10X Investing Course: https://seedtime.com/10X
Send me a DM on Instagram (@seedtime) - https://instagram.com/seedtime
Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/WsxDU2IhwNI

(Please note: links mentioned may be affiliate links which add to our giveaway fund - for you! Thanks for your support!)

These are a few of the topics we cover:

What I like about Fundrise Innovation Fund
The five interesting sectors that are included in this new investment opportunity
What you should know about IPOs when investing
My 2 biggest investing concerns that you should also be concerned about
Why good management matters
Who should definitely NOT invest in this investment
What is your risk tolerance?
How risky of an investment is the Fundrise Innovation Fund?
How you can learn more about investing in our 10X investing course
My verdict on if I am going to be investing the Innovation Fund

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.

When performance is measured, performance improves Apr 05, 2023

Show notes

Today on the podcast, we're talking about paying attention and how it can improve our performance. The idea is based on Pearson's Law, which states that "when performance is measured, performance improves."

This applies to everything from driving on the highway when we see a cop with a radar gun, to weight loss, and to our finances. When we measure our performance, it improves.

So if you're looking to make better decisions with your money, try using one of the methods we discuss to track your spending (aka measure your performance).

Instructions on how to use Personal Capital to track spending - https://SeedTime.com/cashflow

Links:

Our Book: Simple Money, Rich Life - https://SeedTime.com/smrl
Our True Financial Freedom class- https://SeedTime.com/tff
Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/fQ0KFEtS3xM

These are a few of the topics we cover:

What do you do when driving down the road and you see a cop car?
How important is it to pay attention?
An effective way to improve weight loss
How to benefit from implementing Pearson's Law
If someone were to pay you to track your spending, would you?
The tool you can use to see where you've been spending your money
How often you should evaluate your spending
What 98% of our listeners will likely NOT do

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

See our actual budget to see how/where we spend Apr 01, 2023

Show notes

Well, it's time to get up close and personal. Today we are going to drop you in on a recording where we show our exact budget, exact categories, and why we do what we do. Hope you find it helpful!

For more on the method we use check out https://seedtime.com/realmoney

You can watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/ebX3yJmDM1M

These are a few of the topics we cover:

If you think how you spend your money is weird, it's ok… we're all weird!
Our budgeting categories reflect what is important to us and your categories should reflect what is important to you
Our budget case study - how we specifically break down our budget
How you can avoid money fights in your marriage through a budget
The benefit of budgeting and having the ability to pay off your house and not carry loans
An overview on how our Real Money Method budget system works

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.

Opening a Crypto IRA (this is how and where) Mar 29, 2023

Show notes

In this episode I am sharing exactly how I went about opening a crypto Roth IRA so that I can get some of my crypto investments inside of the wonderful Roth IRA.

This one will probably be better to watch on Youtube than listen and you can do that here... https://youtu.be/Y8RX_VWXb00

Links:

Our 10X Investing course (and crypto essentials mini course) - https://seedtime.com/10x
Alto CryptoIRA ($50 bonus) - https://seedtime.com/2/altoira.php
Directed IRA - https://directedira.com/
Bitcoin IRA - https://bitcoinira.com/
Rocket Dollar Self-directed IRA - https://rocketdollar.com/accounts/self-directed-ira
ITrust Capital IRA - https://itrustcapital.com/how-it-works

These are a few of the topics we cover:

The thinking I have when it comes to crypto investing
How to get crypto into a Roth IRA
What you should know about Alto's Crypto IRA
What I didn't like about other Crypto IRA options
My choice for investing a Roth IRA with crypto
The risks you should consider with investing with crypto for IRAs
The outlook of investing with crypto for IRAs
The process in setting up a crypto Roth IRA
A look into my crypto Roth IRA profile
The easiest trading aspect when it comes to Roth IRA investing

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 spend MORE on what you love Mar 25, 2023

Show notes

So many people think the key to financial success is just in depriving yourself of everything you enjoy in life. We are NOT those people. We believe that you can actually spend MORE on what you love all while improving your financial life. In this episode we talk about exactly how to do that.

And for more, check out Chapter 8 of our book Simple Money, Rich Life: https://seedtime.com/smrl

How to cancel unused subscriptions:

Apple: https://support.apple.com/en-us/HT202039
Amazon: https://www.amazon.com/yourmembershipsandsubscriptions
Google store: https://support.google.com/googleplay/answer/7018481?hl=en&co=GENIE.Platform%3DAndroid

Links:

Our Real Money Method Course - https://seedtime.com/rmm
Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/IbhrxPm0WHM

These are a few of the topics we cover:

Do you feel guilty when spending money?
A better way to be intentional with your money
Are you spending money on things you don't need, or that's not important to you?
Are you spending money on things that you don't know you're spending money on?
Do you have the boldness to defy what everyone else is doing and what all the experts are saying to "do you" and instead, be who God made you to be?
Have you ever thought about how God is working through you when you're spending money?
You need to look for the opportunities that God has given you, as He works through you!
If you're married, don't forget that you are in a partnership and that you need to consider what is important to your spouse as well
The key we found to be the most helpful when it comes to marriage and finances
How to stop fighting about money with your partner
When you get your financial life in order, it doesn't have to be one or the other…you can do it all!
The blessings that come from not only obeying God, but partnering with Him

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.

Roth IRA explained: a LEGAL tax loophole too good to be true Mar 22, 2023

Show notes

In this lesson we are talking about the Roth IRA: a LEGAL tax loophole that is "too-good-to-last" according to a millionaire mentor of mine.

If you have heard about the Roth IRA and are curious, this will help give you some inspiration to take advantage of this awesome tool the US Government has given us.

Links:

Our 10x Investing course will show you (down to what buttons to press) how to open one AND teach you how to make wise investments inside of your Roth IRA - https://SeedTime.com/10x
Our True Financial Freedom class will teach you how to master all aspects of the money in a God-honoring way - https://SeedTime.com/tff
Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/u98na2GI3uQ

Here is just a little bit of what we cover in this episode:

Why I think almost everyone should have a ROTH IRA
How it could save you hundreds of thousands in taxes
How much can I contribute to a Roth IRA?
Who is eligible to open a Roth IRA?
What types of investments can I hold in a Roth IRA?
When can I withdraw money from a Roth IRA?
Can I withdraw contributions from a Roth IRA tax-free?
Are there any penalties for early withdrawals from a Roth IRA?
What is the difference between a Roth IRA and a traditional IRA?
Are there any other fees associated with a Roth IRA?
How do I open a Roth IRA?

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.

4 things parents of successful adults never said… Mar 18, 2023

Show notes

As parents, we all want our kids to grow up and be successful adults right?. And, in this episode we're talking about an article I read that is full of wisdom for all parents on this topic. The article consists of some phrases that were never said by 70 parents of highly successful adults.

Links:

Article mentioned: https://www.cnbc.com/amp/2022/08/20/i-talked-to-70-parents-of-highly-successful-adults-here-are-phrases-they-never-said-when-their-kids-were-young.html
Send us a DM on Instagram @seedtime - https://instagram.com/seedtime
Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/e_ogtP6FpRY

These are a few of the topics we cover:

It's not only okay to get things wrong, but it's good!
The success that you see comes with many failures that are not seen
Teaching your children how to walk with God through difficulties
There is real value in having to work for what you want
Why character is built by going through the hard stuff
Why you should never let school get in the way of an education
Why it's ok if your child has a subject in school that they are not good at
Putting your energy into finding what you're good at
Laying down your plans and aspirations for your kids
How to move your children forward in their gifts
Do your kids earn an allowance?
Money is not just something you buy stuff with, it's a tool
Do you want money, or do you want what you think money is going to give you?
How to have your kids grow up with a sense of purpose and wanting to make a difference in the world.

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 banking collapse: what you need to do RIGHT now Mar 14, 2023

Show notes

With the recent banks collapsing (Silicon Valley Bank, Signature Bank, & Silvergate Bank) a lot of people are wondering if their money is safe in their bank. And the answer is MAYBE.

In this episode we are discussing the 2 things you need to do right now to protect your assets in your bank (as well as your investments).

Share this with someone who needs it!

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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