SeedTime with Bob and Linda Lotich

Most Christians have heard the money advice about tithing and getting out of debt. But there are money principles in the Bible almost nobody teaches. And often times they are the ones that change everything for us!!! So in this episode Linda and I walk through 7 biblical money principles most Christians never hear. They come straight out of Scripture, a lot of it from Proverbs. Just so we are clea...

She paid cash to deliver two of her babies. She had no insurance and almost no money. So Lisa Bevere did it using the stock market. That is just one of the wild stories she told us. Today, Lisa and her husband John have given away more than 60 million books in over 150 languages. But they started out broke, praying about whether they could afford a fax machine. In this episode, Lisa sits down with...

>>> First, grab the guide I told you about in this episode: How to become a millionaire even on an average salary A few years ago we sold off some Tesla stock to pay off our second house. If you run the math on what that stock would be worth now, the result is honestly brutal. But I felt the Lord tell me clearly to do it. And looking back, I think I see exactly why He said what He said. In this ep...

Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances The first time I prayed a prayer I thought might be selfish, I was 20 years old and brand new in my faith. God said yes. I spent the next seven months refusing to accept the answer because I could not believe He had actually said it. Years later I prayed a different prayer, this one about our mor...

The first time I ever heard the word tithing, I watched a guest preacher publicly shame two guys at the altar of a small Florida church for not doing it consistently. They walked back to their seats with their heads down. I never forgot it. Linda has a different shame story — quiet, private, ten years long, all over a single tithe she felt led to give to friends going on a mission trip instead of...

Mike Tyson made $400 million and ended up $23 million in debt. A janitor named Ronald Reed made minimum wage his whole career and left $8 million to charity. The difference had nothing to do with income — and everything to do with one rule. That's where this conversation starts. Linda and I were guests at a church for their "Money Talks" series and the questions were so good we wanted to bring thi...

Matt Chandler has been in the room with actual billionaires on multiple occasions — and the way he describes what happens to people who have everything almost everyone else is chasing isn't what most of us would expect. He told us he won't even let some of them bless him. And after 23 years pastoring one of the most affluent suburbs in America, he's seen exactly what the chase actually does to fam...

We are opening up our Mission Driven Millionaire Cohort to 15 people and we are enrolling now until spots fill up. Get details and apply here: https://seedtime.com/cohort Also, this is an episode you might just want to watch (you know, with your eyeballs lol) for it to make the most sense. And you can do that here if you want . I have coached people pulling in 250,000 a year who are completely bro...

37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost nothing to do with how much we make. Linda and I have coached people pulling in $250k who are dead broke. We've watched a $20,000 raise get absorbed by lifestyle inside six months and leave them exactly where they started. The problem isn't income. T...

In this episode I walk through our entire 2026 investment portfolio: every account, every position, and exactly what I'm doing with our money. That includes a full update on gold (which has nearly doubled but I genuinely don't care), where we stand with Bitcoin at $65k, why I moved Linda's Roth IRA into a fixed indexed annuity after spending my whole career skeptical of them, our real estate split...

Most of us have quietly convinced ourselves that busy-ness is a badge of honor. Mark Buchanan believed the same thing — until it almost cost him his health, his marriage, and his connection with God. And what he found on the other side of that is something the modern church has almost entirely stopped talking about. In this conversation, Linda and I sit down with Mark Buchanan — author of The Rest...

You're not careless with money. You try to be intentional. But somehow at the end of the month, there's still less than there should be — and you can't quite figure out where it went. What if the problem isn't discipline — but a type of spending leak that even the most careful budgeters almost never catch? In this episode, I walk through the Cost vs. Frequency Matrix — a simple framework for ident...

The day Jesus fed five thousand people from almost nothing — he was also grieving the violent death of his best friend and cousin. He'd tried to get away to be alone. The crowds followed him anyway. And instead of sending them home, the Bible says "he had compassion on them." Out of his grief. Out of his exhaustion. In this episode, Linda and I walk through Matthew 14 and what was actually happeni...

She prayed for seven years for a breakthrough. The more she prayed, the worse things got. And she ended up on the bathroom floor saying she didn't want to be alive anymore. What the Holy Spirit showed her in that moment — about control, about fear disguised as faith, about the difference between begging and believing — is something I haven't been able to stop thinking about. In this episode, Linda...

Have you ever wondered why financial breakthrough feels so close yet so far? Bob and Linda Lotich reveal that God is constantly testing us with money—and most of us don't even realize it's happening.   In this eye-opening conversation, they break down the three distinct money tests every believer faces, how to identify which one you're in right now, and what God is trying to teach you through it....

In all of Scripture, there are only a handful of times when God explicitly tells us to "remember" something. Each time, it's attached to something vital—communion, Christ's resurrection, where we've fallen. But there's one verse where God commands us to remember a principle that much of the church seems to have forgotten entirely.   In this episode, Bob and Linda explore 2 Corinthians 9:6: "Rememb...

Is our money system actually working against faithful stewardship?   In this episode, Bob and Linda tackle a conversation almost no one in the church is having—but one every Christian steward needs to understand.   Bob opens with a shocking reality: $100 in 1971 now buys about $12 worth of stuff. Same number. Far less value. So what happened?   From there, the conversation zooms out to explore inf...

When money is tight, a budget can feel like punishment. Like proof you messed up… or worse, proof your faith is weak.   But what if that's backwards?   In this episode, Bob and Linda flip the script and show why a budget isn't evidence of failure—it's evidence of faith in action . Drawing from Scripture, psychology, and real-life stories, they unpack why budgeting is actually a weapon God gives us...

Get Your Spirit Back: Breaking Free from the Lies Holding You Back - with Pastor Earl McClellan What if the biggest thing holding you back isn't your circumstances… but the lies you've believed about yourself?   In this powerful, deeply honest conversation, Bob & Linda sit down with Pastor Earl McClellan, lead pastor of Shoreline City Church and author of  Get Your Spirit Back , to talk about nega...

A viral clip claims something shocking:  any pastor who gets paid by a church will eventually be corrupted by money.   It's a bold accusation — and honestly, harder to dismiss than you might think.   In this episode, Bob and Linda watch the clip, slow it down, and wrestle with the real tension underneath the claim. Is the modern church system broken? Does money inevitably compromise spiritual lead...

What if obedience doesn't lead to the breakthrough you expected?   Andy and Serena Ryan did "the right things." They took a biblical money course. They committed to tithing. They tried to steward their finances faithfully. And then everything fell apart.   They lost income. Fell behind on rent. Needed food pantries and church assistance. And eventually—after months of praying for a miracle—they pa...

Most Christians agree that materialism is  bad … but few of us have ever connected the clutter in our garages to the condition of our hearts.   In this episode, Bob sits down with Joshua Becker (author of Uncluttered Faith and founder of BecomingMinimalist.com) to explore a provocative idea: what if consumerism isn't just a money issue—but a spiritual one?   Joshua makes the case that the things w...

Is God Warning Us About AI? The Biblical Case for Preparing Now! Before every major disruption in Scripture—famine, flood, exile— God warned His people first . Those who listened didn't just survive… they thrived .   So what if we're living in one of those moments right now?   In this episode, Bob and Linda wrestle with a question many Christians are quietly asking: What does the rise of AI mean f...

What if wealth isn't about luck, connections, or hustle—but about how you  think ?   In today's episode, we unpack a fascinating story of a 17-year-old dishwasher who spent a decade working inside a high-end country club alongside ultra-wealthy members. What he learned completely dismantled common assumptions about rich people—and surprisingly, many of his lessons line up directly with Scripture....

In this episode, Bob and Linda unpack spiritual habits found in Scripture that quietly shape financial outcomes —habits that have nothing to do with spreadsheets or hustle culture, but everything to do with becoming the kind of person money can be trusted with.   These aren't the usual "Christian money tips." They're deeper.   And once you see them, you can't unsee them.     🔑 What You'll Learn i...