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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:

God Called Gold GOOD & Why That Forever Changed How I View Money (with Myron Golden) May 24, 2025

Show notes

In this episode, we crack open something most believers have never even noticed: In Genesis 2:12, God says the gold of the land was "good."

Wait, what?

Before money was minted, before greed and shame twisted its meaning, God placed gold in Eden... and He called it good. That same word—"good"—used for trees, land, animals, and all creation. Money wasn't cursed. It was created by God and called "good".

We dive into:

The 8 times gold is mentioned in Genesis—and why that number matters.
Why gold is incorruptible (literally) and what that symbolizes.
How Abraham's wealth wasn't just allowed—it was celebrated.
The surprising truth about opulence and what God really designed money for.
Why your discomfort with money might not be holy… it might be unhealed.

Resources Mentioned:

📖 Genesis 2:12 (where it all starts)
📺 Clip from Myron Golden – https://www.youtube.com/@MyronGolden
📚 The Bible (especially Genesis, 1 Peter)
🎙️ Subscribe to the show & leave us a review to keep this conversation going.

👉 Got questions or thoughts? Hit us up—we're always listening.

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/zCvSDN8qKV4)!

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 800 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.

AI Skills (Part 3/3): Why simply learning how to use AI can increase your income by 50% May 17, 2025

Show notes

This episode is the one you've been waiting for.

No more doom. No more dread. This is the episode where we talk about what to do next — how to prepare yourself (and your income) for the rise of AI.

We share 5 reasons why learning AI is now the most important thing you can do to grow your earning potential over the next 3–5 years. AND we break down 5 practical ways to start (even if you've never touched ChatGPT in your life).

What we cover:

Why "AI fluency" already gets you paid 25–50% more
How one mom built a $4k/month curriculum using AI tools
The exact prompt you can copy/paste to find new income streams
Why being "naïve" about this will cost you
What the Bible says about staying ready, not scared

We also talk about how this intersects with parenting, homeschooling, and staying grounded in a tech-driven world.

This isn't just about learning a tool — this is about stewardship of opportunity.

Resources Mentioned:

Our book: Simple Money, Rich Life — http://seedtime.com/freebook
ChatGPT: https://chat.openai.com
Claude AI: https://claude.ai
Try Bob's sample prompt:

"I am a [insert job or role]. What are 3 repetitive tasks AI could help with, and how could that improve income or free time?"

AI Series:

AI and the Bible - Part 1: Is Artificial Intelligence Replacing Our Faith? https://seedtime.libsyn.com/ai-and-the-bible-part-1-is-artificial-intelligence-replacing-our-faith (or watch this episode on YouTube: https://youtu.be/BoYjvHvyzFA)
AI and Money - Part 2: Why 40% of Jobs Might Be Gone in 10 Years — And What To Do About It https://seedtime.libsyn.com/ai-and-money-part-2-why-40-of-jobs-might-be-gone-in-10-years-and-what-to-do-about-it (or watch this episode on YouTube: https://youtu.be/pcsUkL2In9A)

And if you're curious about how we're using AI in our biz or want a deep-dive on tools/workflows, shoot me an email: bob@seedtime.com

Let's not sit back and get swept away by this wave. Let's learn to surf it — with God at the center.

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/HA6T66ZTLdQ)!

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 800 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.

AI and Money (Part 2/3): Why 40% of Jobs Might Be Gone in 10 Years — And What To Do About It May 10, 2025

Show notes

You ever watch the movie WALL-E and think, "No way that could be real"?

Well... buckle up.

This episode is PART TWO of our conversation about Artificial Intelligence — and it's probably the most important thing you'll hear all year. We dive deep into where AI is headed, how fast it's moving, and why this isn't just another tech shift... it's a total civilization shift.

Here's what we talk about:

The 3 groups emerging in the AI revolution (ownership, adapters, dependents)
Why AI with a 180 IQ is already smarter than Einstein
How 90% of jobs (yes, even lawyers and designers) are about to change
The massive wealth opportunity coming... if you're ready
And the real reason we don't need to fear any of it — because God is still God

This isn't doom and gloom. It's preparation. And it's faith-forward. Let's run toward this like David ran toward Goliath. 💥

Resources Mentioned:

Mike Dillard's AI email series (search his newsletter)
Tesla, Google, Nvidia (publicly traded companies leading in AI/robotics)
Our 10x Investing Course: http://seedtime.com/investing
AI Part 1: Start here first (or watch the episode on YouTube)
Email Bob: bob@seedtime.com

Stay encouraged. Stay aware. And stay close to the One who holds it all together.

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/pcsUkL2In9A)!

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 800 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.

AI and the Bible (Part 1/3): Is Artificial Intelligence Replacing Our Faith? May 03, 2025

Show notes

In this episode, we ask a big, uncomfortable question: What does AI mean for our faith?

I (Bob) have been obsessed with AI lately—not just how it works, but what it means. And Linda? Well, she's more on the "this-freaks-me-out" side of things.

So this conversation got real… fast.

We dive into:

The theological implications of AI (yep, we went there).
Why AI can reflect human creativity but will never have a soul.
How idolatry sneaks in when we rely on AI more than God.
Personal stories (like when our son was sick and we turned to AI first… before prayer).
The Tower of Babel, the wisdom of God, and the crazy race toward immortality.
Practical ways to steward technology without losing our soul.

Whether you're a tech-savvy believer or a skeptical scroller, this episode will help you think deeply—and biblically—about the tech shaping our world.

Mentioned in this episode:

Bible app: http://youversion.com
AI study tools like ChatGPT: http://openai.com/chatgpt
Gutenberg Press reference: https://en.wikipedia.org/wiki/Printing_press
Dolly the sheep cloning: https://en.wikipedia.org/wiki/Dolly_(sheep)
Cryogenic freezing: https://en.wikipedia.org/wiki/Cryonics

Got thoughts, questions, or helpful links? Email me at bob@seedtime.com — I'd love to hear from you.

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/BoYjvHvyzFA)!

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 800 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 ways we can help you thrive financially this year Apr 26, 2025

Show notes

Today we are walking through 5 of our most valuable resources (and some free) that will help you thrive financially this year.

These are the exact tools and resources we've used in our own life—plus testimonies from thousands in the SeedTime community who've seen breakthrough with them as well!

📚Resources Mentioned:

Simple Money, Rich Life (get it free – just cover shipping): http://seedtime.com/free
The "233 Millionaires" Cheat Sheet: http://seedtime.com/233
Prayers for Finances free PDF: http://seedtime.com/prayer
True Financial Freedom church + small group curriculum: http://seedtime.com/true
Real Money Method (Limited time $1 trial): http://seedtime.com/realmoney
Our interview on Cece Winans' show "Generations": http://seedtime.com/cece
Need the homeschool curriculum for teens PDF? Email us: bob@seedtime.com

We're praying this episode helps you walk into the kind of financial freedom that leaves a legacy. Let's thrive, not just survive. 👊

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

Tariffs!!! How they will affect your wallet and 2 reasons I am optimistic about them Apr 22, 2025

Show notes

Everyone's Freaking Out About Tariffs—But Here's the Side No One Talks About

Let's be real—every headline out there is yelling about doom and gloom: "Trade war! Economic collapse! Inflation!"

But what if there's another side?

In this episode, we zoom way out and unpack the other perspective. The one you're not hearing. The one that doesn't sell fear, but maybe offers… a little bit of hope?

We get into:

What tariffs actually are (yes, we break it down plain and simple)
Why reciprocal tariffs aren't necessarily "bullying"
The surprising benefits most media outlets are ignoring
How this could affect YOU: jobs, taxes, prices, and your kids' future
And yes… we even touch on the real reason so many Americans are uncomfortable right now.

This isn't about politics. This is about understanding the full picture—and getting equipped to respond with wisdom, peace, and practical steps.

Resources Mentioned 🎥 Victor Davis Hanson clip: Find it here Other clip: Find it here. 📖 Bible Reference – 1 Timothy 2:1-2 (Praying for leaders): 📖 Isaiah 41:10 📖 Matthew 6 📈 Boston Fed economic data: https://www.bostonfed.org (search tariffs + inflation)

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 800 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 biblical 'wealth transfer' myth debunked in 10 minutes Apr 12, 2025

Show notes

You know that verse in Proverbs that says "the wealth of the wicked is stored up for the righteous"?

Yeah… we need to talk about that.

For years, I heard people quoting it like a divine scratch-off ticket. Sit back, wait long enough, and eventually, poof - someone else's riches end up in your account. But what if that's not what the Bible is saying at all?

💡 In this quick but powerful episode, we break down:

What Proverbs 13:22 actually means (and why most people are getting it totally wrong)
Why this isn't about spiritual favoritism, but financial behavior
How meekness plays a hidden role in wealth-building
The overlooked principle that made people thrive during the Great Depression
Why debt is the opposite of biblical wisdom — and how to position yourself for peace, not panic

This isn't about sitting around waiting for God to drop blessings from the sky. It's about living like Joseph in Egypt — wise, prepared, generous, and positioned for impact when the world starts shaking.

We're not waiting for a miracle. We're becoming one.

📚 Mentioned Resources:

The Five Wealth Secrets by Craig Hill → http://craighill.org/books
Simple Money, Rich Life by Bob & Linda Lotich → Get a free copy: http://seedtime.com/free
Vines Bible Dictionary → https://www.christianbook.com/vines-complete-expository-dictionary/vines/9780785250531/pd/50531

💬 If this episode challenged your thinking or helped shift your perspective — share it with a friend who needs to hear it. And if you haven't yet, a review on iTunes or Spotify goes a long way in helping us reach more listeners. 🙌

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/bdWUSFq3VQA)!

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 800 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 ways society programs us to stay broke (and how to break out) Mar 29, 2025

Show notes

Have you ever felt like no matter how hard you work, you're still not getting ahead financially?

You're not lazy. You're not broken.

You're just programmed.

In this episode, we unpack 10 sneaky ways society wires us to stay broke—and most of us don't even realize it's happening. From how we're taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call.

💡 We break down:

The mindset traps that make you fear risk but stay stuck in debt
Why chasing comfort might be the most expensive decision you ever make
The reason most people work hard but never build wealth
How to deprogram yourself and step into true financial freedom

📚 Resources & Tools Mentioned:

The Humble Penny post that inspired this episode: https://www.instagram.com/p/DHk6jvVqS-n/?igsh=MWF0bnczbnZrMDNtdA==

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/63aBPTZcGFA)!

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 800 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.

Our business hit an all-time LOW... Mar 22, 2025

Show notes

For nine straight years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward.

I had no clue what to do. I felt helpless. The numbers were bad—worse than I realized. And I remember thinking: God, did you bring me here just to let it all fall apart?

But what happened next changed everything.

In this episode, I take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in $11K. I share my raw, unfiltered journal entries from that time and the powerful realization that pulled me out of the pit.

If you're in a season where you're wondering if God is still moving in your life, this is for you.

💡 Resources Mentioned:

Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free

🙌 If this episode encouraged you, send it to a friend who needs to hear it.

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/2kSwpTUjops)!

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 800 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 Day We Spent Our Last $55 (with Jamie Winship) Mar 15, 2025

Show notes

Jamie Winship is back. Kind of. We are sharing pieces of a talk he gave where he shared some powerful insights about how he thinks about money. We loved them so we wanted to share them with you! What happens when God takes away everything you thought you needed? What if the greatest financial lesson isn't about making more but trusting more?

In this episode, we explore how God provides in ways we could never predict—whether it's cash mysteriously appearing in a newspaper, a stranger covering a need at just the right moment, or learning the hard lesson that we can't out-give or out-risk God.

We also share our own financial journey—times of abundance, times of struggle, and the unexpected ways God has shown up through it all. If you've ever wrestled with financial insecurity, struggled with trusting God in your provision, or just want to hear some mind-blowing testimonies of faith in action, this episode is for you.

What You'll Learn in This Episode:

Why money can be one of the biggest barriers to truly trusting God
How Jamie Winship and his family lived for two years with zero income and saw God provide
The sneaky ways financial security can shift our trust away from God
The power of childlike faith when it comes to provision
Why you can't out-risk or out-give God
How to break free from the world's financial norms and live in God's economy

Resources Mentioned:

Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free
Our previous episode with Jamie Winship where we discussed removing fear in our finances: https://youtu.be/sIescTfM6DA?si=8Kbs0rUiURv9cjCD
Jamie Winship's Full Message: https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2
Jamie Winship's Website: https://identityexchange.com/
George Müller's Story – A classic example of radical financial faith: https://georgemuller.org/devotional/a-famous-story-about-mullers-faith

Join the Conversation: How has God provided for you in unexpected ways? Share your testimony with us in the comments or DM us on Instagram @Seedtime. We'd love to hear how He's been moving in your life!

Don't forget to subscribe & leave a review! If this episode blessed you, share it with a friend who needs to hear it. 🙌

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/Yl-3FQFH1FU)!

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 800 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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