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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:

My mom just went to heaven 🥺 (5 things I learned that might help you) Aug 02, 2025

Show notes

What if the hardest thing you're walking through right now is actually where God is working the most - even when you can't see it?

A few months ago everything was normal in our family. Linda's mom cooked a full Thanksgiving dinner, we all gathered around the table, and life felt predictable. But two weeks later everything changed forever when she got diagnosed with a tumor and went to heaven just four months after that.

And here's what I discovered - while you're focused on what's not happening, you're missing what God is actually doing in the situation. Because I used to think grief was just sadness, but it's actually more like a circle that never shrinks - your life just grows bigger around it.

So today I'm sharing five specific lessons that completely changed how I see God, community, prayer, and relationships. Because if you're walking through loss, struggling with finances, dealing with marriage issues, or facing any kind of difficulty, these insights could transform how you experience God's presence in the middle of it all.

This is one of the most personal, emotional episodes we've ever recorded. And if you're grieving, or have someone in your life who is, I hope this encourages you like only God can.

Resources Mentioned:

Psalm 91 (read it and pray it daily): https://www.biblegateway.com/passage/?search=Psalm+91
Levi Lusko on grief and gratitude: https://youtu.be/tMrM3xcg5MM
Get our book for free (just cover shipping): http://seedtime.com/free
Linda Lotich on TikTok (because yeah, she's amazing): https://www.tiktok.com/@linda.lotich

🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.

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/dOCvyYiKyMo)!

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 900 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.

Why I am starting to buy more gold (the 1 chart that changed my mind) Jul 26, 2025

Show notes

What if I told you the same ounce of gold that could buy 400 loaves of bread today… could've done the same 2,000 years ago? In this episode, we break down the ONE chart that completely shifted how I think about saving, inflation, and long-term wealth. I've spent over 17 years investing—and I pretty much ignored gold… until this blew my mind. You'll learn:

Why I now see gold as a defensive asset in our portfolio
How inflation has quietly destroyed the purchasing power of your dollars
The story of bread, gold, and a century of financial erosion
My favorite tool to buy gold automatically with as little as $10
Why I think gold might be the most biblical investment on earth
What we're doing to protect our family's future

If you're sitting on too much cash or wondering how to hedge against chaos—you'll want to hear this. Resources Mentioned:

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/DegCJN91unA)!

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 900 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.

Levi Lusko and The Secret to Moving Forward After Loss (Even When It Feels Impossible) Jul 19, 2025

Show notes

What do you do when life punches you so hard, you don't think you'll ever get up?

That's what we talked about in this raw, holy, and surprisingly hope-filled conversation with pastor and author Levi Lusko. After losing his 5-year-old daughter and recently his father, Levi brings more than theology—he brings lived truth. This episode is a deep dive into what it actually means to move forward when it feels impossible.

We covered:

What Levi learned from the Statue of David that changed the way he views grief forever
Why "spiraling" might not be the enemy—it might be the invitation
The difference between being angry at God and angry with God
How to manage a panic attack when everything feels like too much
What most people get wrong about success, wealth, and midlife

This conversation hit hard. Whether you're grieving, feeling stuck, or wondering how to walk through something that just broke your heart—you're not alone, and there's a way forward.

Resources Mentioned:

Levi's book: Blessed Are the Spiraling – https://amzn.to/3WYTqDW
Levi's church: Fresh Life Church – https://freshlife.church/
Levi's Instagram – https://www.instagram.com/levilusko/
Jamie Winship (mentioned by Linda): https://www.jamiewinship.com/
Our financial discipleship class: https://seedtime.com/programs
Our book: Simple Money, Rich Life – https://amzn.to/3VCYBxz

🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.

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 (LINKhttps://youtu.be/tMrM3xcg5MM)!

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 900 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.

(5/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: God's Forgotten Commands for your money Jul 12, 2025

Show notes

In this final episode of our "Prosperity Gospel, Poverty Gospel, and The Gospel" series, we're diving into the forgotten commands of scripture that every Christian should know when it comes to money.

We're not just talking about how to make more or give more — we're talking about how to think biblically about money, handle it with eternity in mind, and why most believers are stuck in financial cycles that don't reflect the heart of God.

We break down 1 Timothy 6:17–19 and show how Paul gives us a framework for wealth that isn't about prosperity or poverty — it's about purpose.

In this episode, we cover:

Why God wants you to enjoy what He's given — but not worship it
The #1 thing Paul told the rich (and it's not what you think)
How to track your "Net Given" (instead of your net worth)
The difference between seed and bread in 2 Corinthians 9
Why your money is meant to flow through you, not just to you
How to write a personal "Wealth Purpose Statement" with your family
Why generosity now is connected to eternal treasures later

🔍 This is for the Christian who's tired of hearing two bad takes on money — and is ready to discover what the Bible actually says.

—

📚 Resources Mentioned:

SeedTime Book: https://seedtime.com/free
True Financial Freedom Class: https://seedtime.com/tff
Bible verses discussed:
- 1 Timothy 6:17-19
- 2 Corinthians 9:6-11
- Deuteronomy 8:18
- Psalm 24:1
Books:
- The Treasure Principle by Randy Alcorn: https://amzn.to/3KXYZ4d
- Heaven by Randy Alcorn: https://amzn.to/3XNJrsQ
Join our community + newsletter: https://seedtime.com/

🛠️ Connect with us on socials:

IG: https://instagram.com/seedtime
YouTube: https://youtube.com/seedtime

🎯 Your challenge this week: Write a family wealth purpose statement. Ask yourself — what are we called to do with the money God has entrusted us with?

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 900 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.

(4/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: Why Nothing You Have Actually Belongs to You Jul 05, 2025

Show notes

What if I told you that nothing you own is actually yours—and that this truth could radically change how you think about money, stress less, and give more?

In this episode, we dig into one of the most transformational shifts in our Christian financial journey: moving from ownership to stewardship. This isn't just a spiritual concept—it's the antidote to both the prosperity gospel and the poverty gospel.

We break down:

Why guilt fades when you realize you're a steward
The 3 principles Jesus taught that flip your finances upside-down
How estate sales (yes, really) shook us into reevaluating our relationship with stuff
Why multiplication is God's agenda, not just accumulation
What "assets under management" means—and why it beats calculating net worth
The parable of the talents, fast fashion, and what bike shorts taught us about ethics and obedience

This one gets real. Real personal, real biblical, and real practical.

🎁 Free Resource Mentioned:

👉 Get our book Simple Money, Rich Life FREE (just cover shipping): http://seedtime.com/free

💡 Resources Mentioned:

Simple Money, Rich Life
The Real Money Method Course
Jamie Winship on Embracing the Mystery
Randy Alcorn on Eternal Rewards
Bible References:
- 2 Corinthians 9:6-11
- Luke 16:10
- Parable of the Talents – Matthew 25

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).

(3/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: Golden Calves and Golden Lampstands Jun 28, 2025

Show notes

In this episode, we're going deep on a topic the Church either glamorizes or demonizes—but rarely handles biblically: money.

We're unpacking Exodus, Jesus, and even Tesla stock (yep)—to wrestle through a question that's been tripping up believers for decades: "Is wealth inherently evil… or is it just a tool?"

Here's what we found:

Why the Israelites' gold became both a golden calf and a golden lampstand
What Jesus really meant when He said, "Where your treasure is, there your heart will be also"
The shocking contrast between how the Old and New Testament describe wealthy people
The heart posture that turns a blessing into an idol
And why generosity, not guilt, is the actual fruit of spiritual maturity

This isn't financial advice—it's soul-searching. If you've ever felt tension about having too much… or too little… this episode will give you clarity.

📚 Resources Mentioned:

Exodus 12:35–36 – Israelites plundering Egypt's wealth
Exodus 32 – The golden calf
Exodus 35 – The Tabernacle offerings
Matthew 6:21 – "Where your treasure is…"
Philippians 4 – Learning to abound and abase
Galatians 5:22-23 – Fruit of the Spirit (including "goodness" = generosity)
Our book: Simple Money, Rich Life (Get a free copy—just cover shipping!) 🔗 Grab your free book here: http://seedtime.com/free

📩 If this message stirred something in you, share it with a friend. The Church needs a better theology of money—and it starts with conversations like 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).

(2/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: What Jesus actually said about money Jun 21, 2025

Show notes

In Part 2 of our "The prosperity gospel, the poverty gospel, and the truth most Christians miss" series, we dive into some of Jesus' most controversial teachings on wealth. You've heard "sell everything," "camel through the eye of a needle," and "blessed are the poor," but what if we've been misunderstanding who He was talking to and why?

In this episode, we unpack:

Why Jesus told the rich young ruler to sell everything—and why He didn't tell Zacchaeus the same thing.
The real reason wealth can be dangerous (it's not what you think).
Why Joseph of Arimathea, Nicodemus, and a group of wealthy women were never asked to give everything away.
The parable that proves Jesus wasn't against being wealthy—but was deeply concerned about our heart posture.
Why abundance is meant to be shared—and how shopping, gardening, or even buying sunglasses can become worship.
A fresh, biblical perspective that helps you steward what God has given you without shame, guilt, or greed.

Resources Mentioned:

📖 Simple Money, Rich Life by Bob & Linda Lotich: http://seedtime.com/free
📜 Bible References: Matthew 19, Mark 10, Luke 18, Luke 8, Luke 19, Luke 16, Luke 12:48, Genesis 13:2, 1 Timothy 6, Ephesians 3:20
📺 The Chosen (TV series): https://watch.thechosen.tv

👉 Subscribe, share, and don't miss the next episode in this series—we're going to talk about gold, the golden calf, and what it really means for how we use our money.

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 900 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.

(1/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: The Dangerous Lie Dividing Christians Jun 14, 2025

Show notes

This might be the most important conversation we've had about money, faith, and the Bible.

For years, we've wrestled with it. One side says God wants you rich. The other says being poor makes you holy. But neither seemed to fully line up with Scripture. What if both extremes missed the point?

In this episode, we kick off a 5-part series where we break down:

What the Prosperity Gospel gets right—and dangerously wrong
How the Poverty Gospel subtly creeps in as "humility"
The parable that changed everything for us
The biblical third way no one talks about enough
How prayer can shift false teachers more than criticism ever could
Why stewardship (not ownership) is the core financial principle of Scripture
How even Mother Teresa modeled biblical abundance through simplicity

If you've ever struggled to reconcile your faith with your finances… this episode is for you.

Resources Mentioned:

📖 Simple Money, Rich Life by Bob Lotich – Get your free copy: http://seedtime.com/free
📘 Business Secrets from the Bible by Rabbi Daniel Lapin
📖 Bible verses mentioned:
- Genesis 2:12
- Genesis 13:2
- Psalm 24:1
- Matthew 25 (Parable of the Talents)
- 1 Timothy 6:9-10 (Amplified Version)
- Proverbs 4:23

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 900 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.

🤖 33 Ways We're Actually Using AI in Real Life (Not Just Theory) Jun 07, 2025

Show notes

In this episode, we answer YOUR questions about how we're using AI—personally, spiritually, and professionally.

We're not here to debate whether AI is "good" or "evil." We're here to share how we're using it practically—as a business tool, a parenting helper, a writing assistant, a garden coach, and even a wardrobe consultant. And yep, Linda's officially a soft summer.

We get into the nitty gritty:

The custom GPT we built for flipping items on eBay
The podcast producer GPT that writes our show notes
How AI helps with planning RV trips and killing poison ivy
Why we believe AI may become humanity's greatest idol—and how to stay grounded in God's Word
Plus, Linda's surprisingly useful fashion hacks (involving NASCAR outfits)

We talk faith, tech, and real life with all its messiness and nuance. And yes, we still believe God's revelation always beats information.

If you've been wondering what does this actually look like in daily life?, this is the episode.

Resources Mentioned:

ChatGPT by OpenAI
Claude by Anthropic
Great AI debate between Christian leaders: https://overcast.fm/+ABHd1mRWhAI

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/Ra0lk-nOt0g)!

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 900 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.

This Study of $25M+ Families Will Make You Rethink Your Financial Goals with Dr. Shane Enete May 31, 2025

Show notes

I sat down with Dr. Shane Enete—professor at Biola University, PhD in personal financial planning, total Jesus-loving money nerd, and author of Whole Heart Finances: A Jesus Centered Guide to Managing Money with Joy.

We dug into a fascinating study of ultra-wealthy families (yes, $25M+ net worth) and uncovered a surprising truth.

We talk about hedonic adaptation, generosity as a spiritual thermostat, and what your savings account might be saying about your heart.

In this episode, you'll learn:

The biological and spiritual reasons why wealth never satisfies
How to spot when your heart is starting to trust money more than God
Why generosity is the fastest way back to peace
What $25M families regret (hint: it's not about the stock market)
A brilliant money framework: acquisition, use, and management—and which one dominates your life
Why savings isn't evil, but hoarding might be
How to know when you've moved from stewardship into idolatry

Mentioned Resources:

Whole Heart Finances by Dr. Shane Enete - http://wholeheartfinances.com
2 Corinthians 9 – Biblical metaphor of seed (consume vs. plant)
Dr. Eileen Gallo's Money Dimensions Framework: Acquisition, Use, Management
Book: Communicating for a Change by Andy Stanley - http://amzn.to/3JF0L0R

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/_iwhObTFD7I)!

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 900 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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