SeedTime with Bob and Linda Lotich

Hey friend,  Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture. Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice.   Why You Should Listen: Family Culture and R...

Want to know the secret weapon of the wealthy? It's not what you think. Forget discipline. Forget willpower. Forget complex investment strategies. The real key? Automation. In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too.   Here's what you'll discover: The shocking truth about why discipline is overrated in finance Ho...

Ever wondered if your donations are actually making a difference? We've got news for you: Your next charitable gift could be 100 times more effective than your last. No, that's not a typo. 100 times. In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving...

Today, we're diving deep into the counterintuitive math behind early retirement - the kind of stuff they don't teach you in school. You'll discover: Why your paycheck size matters less than you think (Sorry, LeBron!) The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals A biblical money hack that's been hiding in plain sight for thousands of yea...

Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time.   In this episode, we uncover: The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think) How a 10-minute exercise could save you thousands of dollars and count...

Ever been told that putting your money in the stock market is no different than taking it to Vegas? We're about to blow that myth wide open. In this episode, we reveal: Why smart investing could actually be LESS risky than stuffing cash under your mattress The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason) How we went from terrified first-ti...

In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to: Save over $15,000 in interest Score more than $10,000 in free travel Turn our biggest financial burden into a powerful wealth-building tool   But here's the kicker: We didn't have to become credit card gurus...

In this episode, we're pulling back the curtain on a financial hack so powerful, it could put an extra $2 million in your pocket. And it all starts with your next car purchase. 🔎Here's what you'll learn: The truth about new cars that dealerships don't want you to know Our 5-step formula for buying used cars that look and feel brand new How to break free from the paycheck-to-paycheck cycle using t...

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life. In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal.   🔎Here's what you're going to discover: The ONE book that trumps all others (...

In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty. 🔎Here's what you're going to discover: The 10-minute exercise that can slash your expenses by 3...

In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things. We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment.   🎯 Key Takeaways:  We discuss the story of the Mexican Fisherman,...

Have you ever felt overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process? In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results...

Today we're sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating. After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success. And the best part? It's not just about padding your bank account. The 1% Challenge also enab...

Today, Linda and I dive into a game-changing strategy for staying motivated on your financial journey—celebrating small wins! If you've ever felt overwhelmed by the enormity of your financial goals or wondered how to keep the momentum going, this episode is for you. We'll unpack why these small victories are crucial and how they can transform your financial journey from a tedious marathon into an...

Today we have Jamie Winship (author of Living Fearless) and his amazing wife Donna on! We go a lot of directions in this one, but summing it up I would say that if you want to END fear in your finances and be inspired in your faith you have to check out this episode.   🔍 Key Highlights:  Discover how fear not only influences, but often controls, our financial decisions and what we can do to break...

Today, we're diving deep into a powerful concept that might seem counterintuitive at first—focusing on what NOT to do to achieve financial success. This episode is packed with stories, biblical insights, and practical steps you can apply right away.   🔍 Key Highlights:  The Power of What Not to Do: Discover how avoiding certain financial mistakes can be more impactful than any active financial st...

What if the key to unlocking true financial freedom isn't found in getting a raise, the latest financial hacks, or paying off all your debt? What if, instead, the answer was simply learning how to pray over your financial life?  Today, we are unpacking 10 areas of your finances (or prayer points) that should be on your prayer list.  🔍 Key Highlights:  The importance of praying for your finances a...

In this episode, we dive deep into the world of budgeting—not just any budget, but a healthy budget that works for you. Whether you're a budget skeptic or a spreadsheet enthusiast, this episode has something for everyone. Here's what we're unpacking today:   🔍 Key Highlights:  8 Questions To Ask To Determine If You Have A Broken Budget Why Most Budgets Fail Within The First 30 Days (And The Simpl...

Today's episode dives deep into the transformative understanding of the two crucial phases of financial progress. This isn't just about money—it's about changing your life perspective and aligning your financial actions with God's promises.   🔍 Key Highlights:  Discover The Two Phases of Financial Progress That Can Make or Break Your Success How Understanding This Simple Truth Drastically Increas...

This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one!   🔍 Key Highlights:  How this little known app Can Put Hundreds Back in Your Bank Account Every Month How One Couple Discovered They Were Spending 4X...

Hey friend!  Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast.   This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here:   https://seedtime.samcart.com/products/10x-live-recording-april-2024/   And if you would like to get the di...

Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down!   🔍 Key Highlights:  How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential The Simple Mindset Shifts That Allowed Us to...

Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God. Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals. Here's what we're diving into today: Understanding Assets Under Management (AU...

As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering.  Our wild ride from the edge of financial despair to experiencing financial miracles. Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll sha...

Hey there, SeedTime family! It's Bob & Linda here, and we've just wrapped up a fantastic conversation on our latest episode, where we dive into some golden nuggets of wisdom shared by millionaires about managing money, life, and everything in between. 🌱💰 In this episode, we're peeling back the curtain on "Nine (Plus One) Best Pieces of Money Advice Ever Received by Millionaires"—and trust us, yo...