SeedTime with Bob and Linda Lotich

When Linda and I tied the knot, we set a goal for ourselves: to give away as much money as possible. We knew that with God's help, anything is possible. Even though we didn't have much to begin with, by His grace we managed to give away a $1 million by the time we hit 40. None of this would have been possible without God's grace. And the only way we were able to keep track of our progress was by m...

So what is the thing that Dave Ramsey and Suze Orman actually agree on? And that we agree with them as well? You will just have to listen to find out!!   Links: PolicyGenius: https://seedtime.com/PG (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)   A few topics we cover... Something no one wants to talk about, but you sh...

Calling all Medi-Share users! There's a secret I want to share with you. They offer a little known program that is saving us $780 that most members miss out on. Oh and it only took my 5 minutes to get it. This is pulled from a YouTube video where I explained how you can take advantage of this… If you want to see the screen check it out here: https://www.youtube.com/watch?v=TLddbBs4J_s     Links Me...

As we begin a new year, Linda and I are making 2023 the "Year of Wisdom." Because now feels like a great time to begin growing in wisdom…and we need it more than ever.  Links Mentioned: DM us on Instagram - @SeedTime - https://instagram.com/seedtime     These are a few of the topics we cover: How to invite God into finding your focus How to change how others perceive you What you can do daily to u...

Thursday, January 12th at 7:30p CST / 8:30p EST we are hosting a LIVE workshop to help you make 2023 your best financial year ever! Just visit https://seedtime.com/workshop to get enrolled INSIDE I'LL SHOW YOU HOW TO: Identify your biggest money savings opportunities to save $1k or more this year. Create your 2023 budget/savings plan And break it down into a simple, step-by-step 30-day checklist S...

So we are doing something we have never done before. We created a bundle of some key products in order to help you have the best financial year you have ever had in 2023. Oh and it is 52% off until Dec 11th! Check this link to see everything that is included: https://seedtime.samcart.com/products/real-money---new-years-bundle And if you are interested in having a financial audit done with me and h...

The mindset between a business owner and an employee is very different. Both have pros and both have cons. Having been both (and now being a business owner) I've discovered that by tapping into my employee mindset, I can get focused on some things in a way that I hadn't thought of. Hopefully, this helps you!   Links Mentioned: Simple Money, Rich Life - https://seedtime.com/smrl SeedTime's Bible re...

You probably think you know how much you earn per hour, but almost everyone is wrong. In this episode, we are walking through a simple exercise that'll show you what your REAL hourly wage is and I'll bet it is nowhere close to what you think it is. Armed with this info, you might just find that it'd be cheaper to stay home with the kids than it is to send them to daycare, or maybe you can retire s...

Are you facing a huge challenge right now? I happened to grab the classic devotional " Streams in the Desert " ( https://amzn.to/3Nvg36x) off my shelf and was reading October 29th's entry. This short entry blessed me immensely.   Just knowing that there is a purpose in the struggle is incredibly encouraging. It is comforting knowing that in the midst of the heat, and even when it feels unbearable,...

We are going to take you through 11 financial questions that you must ask BEFORE getting married. And even if you are already married, this would be a great episode to go through with your spouse. But 100%, without a doubt, if you know anyone engaged or wanting to be engaged, make sure to send this to them!    L inks Mentioned: Download the PDF with the 11 financial questions you must ask:  https:...

I found this clip of Grant Cardone saying that "no one should ever own a home." And, I found some of what he was saying eye-opening.  Also, if you need a few ideas to help you get your house paid off quicker - check out a blog post we put together a while ago with 4 tips to help you get it paid off faster... https://seedtime.com/pay-off-your-mortgage-early/   Links Mentioned: Grant Cardone clip -...

This episode is based off of a simple but powerful article we read by Paul Graham, where he argues that we are all missing out on so much potential because we have the wrong thoughts at the top of our mind. I read this and was convicted to re-calibrate my thinking to do this right. We hope you find this as helpful as we did!   L inks Mentioned: Article mentioned: The top idea in your mind by Paul...

Today we are talking about the one simple life hack that we extracted from the Bible regarding giving. Being completely honest with you I (Bob) used to hate giving and never did it cheerfully, but this simple hack has helped me fall in love with giving. It's been a game-changer for us and we know it will be for you too!   Links Mentioned: Simple Money, Rich Life - https://seedtime.com/smrl   These...

Today we are chatting with marriage experts Dave and Ashley Willis (hosts of the Naked Marriage podcast). And todaywe are discussing the 2 hardest topics in marriage to talk about: Sex and Money. Links Mentioned: The Naked Marriage Podcast - https://xomarriage.com/podcasts/the-naked-marriage/ The Ministry, XO Marriage - https://xomarriage.com/ Their Instagram - @davidashleywillis https://www.insta...

This is a brag on God and one of our students' moments where God just did something so cool in this woman's life that we just had to share. If you have a bunch of debt or know anyone who does, you have to listen to this one or share it. Let this be an encouragement and inspiration to you on your journey! Links Mentioned: True Financial Freedom class - https://seedtime.com/tff Simple Money Rich Lif...

I just logged into my Fundrise account to see how much I was down now that we are unarguably in a recession, and I was blown away to see that even in the recession the Fundrise returns are WAY better than the S&P 500 this year. And then when you look at the Fundrise vs Reit returns you see the same thing - Fundrise is just crushing it right now.    Links Mentioned  Get started with Fundrise with a...

In this episode, Author Jay Fantom shares insights and lessons from 4 near-death experiences as well as his CAP method, which is a simple process to help overcome significant challenges that anyone can follow. Be sure to check out Jay's new book: "the path of an eagle" for more from him.   Links Mentioned: ● Jay's book: "The Path of an Eagle" - https://amzn.to/3hPgUmz (Please note: links mentioned...

Today we are looking at a Biblical 4-part framework you can use today to begin casting your financial cares (or really any cares) on the Lord. We need to remember that the Lord is our strength and he cares for us. So if you need encouragement, especially in your financial situation, you've come to the right place! Links Mentioned: ● Simple Money Rich Life - https://seedtime.com/smrl ● Secrets to P...

Wouldn't it be nice if someone just covered the cost of Christmas for you this year?⁣ Well, that's what we are going to do for someone in the SeedTime community.⁣ ⁣ Yep, we are sending someone in the SeedTime community a $1k Amazon gift card!⁣ 🎉 Picture us shooting off a confetti cannon right now🎉 ⁣ 𝐇𝐎𝗪 𝐓𝐎 𝐄𝐍𝐓𝐄𝐑 𝐓𝐇𝐄 $𝟏𝐊 𝐂𝐇𝐑𝐈𝐒𝐓𝐌𝐀𝐒 𝐆𝐈𝐕𝐄𝐀𝗪𝐀𝐘⁣ ⁣ If you want a chance to win, there are 2 simple ways t...

Have you ever felt like you were born for more... for greatness?  If you feel stuck or maybe are not sure of what your God-given purpose is, this is going to help. Stephen Chandler has a cool new book out: Stop Waiting for Permission. This is a great motivater and is an instruction for all of us. I needed this book really bad during multiple points in my life and we hope you find this helpful too!...

This was one of those crazy God things that happened. But I am absolutely convinced that this was one of the most significant dreams I have ever had. Listen to hear the whole story and the lessons I learned.   These are a few of the topics we cover: ● God speaking through dreams ● Knowing when God is speaking to you ● Learning to listen to God ● Paying attention to prompts from the Holy Spirit   F...

Dr. Josh and Christi Straub are speakers, authors, and marriage and leadership experts. They host the Famous at Home podcast, have written many children's books on emotional intelligence, and have released their new book Famous at Home: 7 Decisions to Put Your Family Center Stage in a World Competing for Your Time, Attention, and Identity. We are excited to have Dr. Josh with us to discuss getting...

This is the story behind the infamous Bubble Taurus (as referenced in Chapter 9 of our book Simple Money, Rich Life) and 3 life-changing lessons that I learned and are valuable for everyone to learn.   Links Mentioned: Our Book: Simple Money, Rich Life - http://seedtime.com/smrl     These are a few of the topics we cover: They key to getting ahead financially Why it is necessary to learn humility...

This episode isn't really about money, but more about your relationship with your spouse and how money plays into that. The nuggets Shaunti shares are powerful and can have a huge positive effect on your marriage. If you are married, don't miss this one!   Links Mentioned: Shaunti's Book: Thriving in Love & Money - https://www.amazon.com/Thriving-Love-Money-Game-Changing-Relationship/dp/076423255X...

We sent out an email not too long ago to our email list. It was basically a devotional that I made off of my Bible study for the morning. And it just got a whole lot of response. So I figured we would go over it and share it with you. It really is just me sharing my notes from my Bible study from the day, but I think the lesson on growth is something we all could learn from (especially those in le...