SeedTime with Bob and Linda Lotich

With Mint.com closing its doors, many are left wondering, "What now?" Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today.   Here's a sneak peek of what we cover in this episode: The Limitations of https://Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a l...

I have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven't heard, basically it is a debit card that provides "Z-Bucks" that can be used to buy everyday items. In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year… I have some friends who are using it and who are excited...

Today, we're diving deep into the Parable of the Talents and how it holds the keys to succeeding as a Christian—yes, even in your finances. So pull up a chair, grab your Bible, and let's get started. Are you struggling with managing not just your money but your time, relationships, and other God-given resources? Do you feel like you're holding back from multiplying your God-given talents out of fe...

We're diving deep into a topic that's both controversial and unavoidable: credit cards. Today, we just want to share our own take on credit cards. No fluff, no shaming—just our honest thoughts. What's in this episode for you? Listen to this episode if you want an open, authentic discussion on a topic many consider taboo but is nevertheless something we all have to deal with. Whether you love 'em o...

In this episode, I'm unpacking some of my personal money-saving hacks that can keep your wallet happy during the most wonderful (and expensive) time of the year.    Resources Mentioned: 6 apps, tools, and ideas I have used to save thousands over the years!! Rakuten:  $40 signup bonus, but you have to go through our link because they don't make it publicly available - https://seedtime.com/rakuten  ...

In today's episode, we had a super raw and real conversation about how to change who you will become in the next five years. The key? Taking a hard look at the inputs in our lives. Before we dive in, a HUGE shoutout and Happy Birthday to Linda! 🎉   🎙️ In this episode, we cover: The importance of growth and change in our journey with Jesus. The iconic quote about how we are the sum of our five clo...

This simple story from my devotional has been one of the most impactful stories I have heard. Join us as we dive deep into an inspiring story that challenges our perception of faith and God's provision. This episode is not just about money or finances but about life's unexpected challenges and the miraculous ways God intervenes when we trust Him.   🔑 Key Topics Covered: The incredible testimony o...

Hey friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you.   🎙 What We're Covering: Why...

If you've ever found yourself super excited about a new venture only to feel completely disillusioned shortly after, this episode is for you. It's a powerful deep dive into the emotional journey many of us take when starting something new, and it's filled with practical insights, anecdotes, and advice to guide you through. So plug in, lean in, and let's navigate this valley together. Blessings!   ...

Today's guest is Dr. Lee Warren, a neurosurgeon with decades of experience and the author of an incredible book (Hope is the first dose) that covers everything about trauma, healing, and faith. Trust me when I say you won't be able to put his book down! If you're someone who's gone through a traumatic event or you're in the middle of one right now, this episode is going to provide a lot of value....

In this episode we are chatting about the strategies and techniques I use for effective learning. I truly believe that the art of learning is one of the most powerful tools God has given us, and I want to share the process that has been helping me in case you find it valuable as well!   If you're looking to expand your knowledge, solve specific problems, or even just become better at what you do,...

So if you don't know our story, we have a pretty remarkable thing that God did in our lives with our mortgage. Essentially we went from being 2 years into a 30 year mortgage and then after obeying God within 9 months we had it paid off!  We have been sharing about this a bit on Instagram and it kickstarted a Reel that went viral-ish and has stimulated a lot of conversations, so we figured it would...

Today's episode is a real treat. I had the pleasure of chatting with Chris McMurray, a pastor, author, business coach, and serial entrepreneur. Chris has a fascinating story that's been covered by national media, and he's the author of the book "Food Stamps to Franchise."   Why You Should Listen: Real Stories, Real Impact: Chris shares his incredible journey from struggling with debt and food stam...

Today's episode is a special one, and I'm excited to share it with you. We're diving into a topic that's been on my mind a lot lately, and I think it's going to resonate with many of you.    What We're Talking About Today: A Fascinating Book Passage: I'm reading from "Five Wealth Secrets" by Craig Hill, and it's sparking some deep thoughts about financial principles in the Bible. Jewish Wealth vs....

Hey friends, we are hosting a passive income workshop starting tomorrow!  But you got to get signed up to get access to it! THE 'PASSIVE WITH PURPOSE' WORKSHOP Join us LIVE on Sep. 27-29th at 5:30p PT | 7:30p CT | 8:30p ET You can sign up for the free 4-day event right here: https://seedtime.com/pwp   HERE'S WHAT WE'LL COVER: Day 1 –  How Passive Income is God's Idea  (If You do it  His  Way) Day...

Welcome back to another episode of the SeedTime Money Podcast! Today we're diving into some super cool stuff— the four biggest money secrets of millionaires that most people completely misunderstand. Seriously, you don't want to miss this, it's eye-opening! We're unpacking findings from a study by the Ramsey team that surveyed 10,000 millionaires and the results will shake up a lot of the myths yo...

Hey there, friends! In this episode of the SeedTime Money podcast, we're diving into something that's been on a lot of your minds lately: How do you approach budgeting when you have an inconsistent or variable income? Trust me, I know it's hard, but I've got some insights to share with you that might just make it a little easier. But first, let's talk snacks! From dark chocolate mint creams to spi...

Today, we're sitting down with Aaron and Jennifer Smith, the dynamic duo behind Husband Revolution, Unveiled Wife, and their podcast, Marriage After God. They've also written a new devotional called "The Marriage Gift," that is a fantastic way to expand on your prayer for your marriage.    Why You Should Listen to This Episode Real Talk on Marriage and Money: Aaron and Jennifer get candid about th...

Today, we're diving into a topic that's been a revelation in the making for years, and I'm thrilled to share it with you. We're exploring why money is the perfect idol and how all the things we look to money for are actually the things that God wants to be in our lives. Here's what you can expect from this episode: Why Money is the Perfect Idol: We'll break down how money can easily become an idol...

One of our 10x investing students asked a question that I get asked quite often: Should we invest in companies that we disagree with morally? This is a question that many Christians wrestle with, and we're diving deep into it. We explore two different approaches: Biblically Responsible Investing: Avoiding companies that don't align with our values. Infiltration Approach: Buying stock in those comp...

In this episode, we dive deep into the essential aspects of living a life that's present, intentional, and aligned with our true purpose. Today we are chatting with Mason King, the author of "A short guide to Spiritual Disciplines" about how we can steward tech in our daily lives (because it isn't going away) to have a healthier walk with God.   Here's what you'll discover: Dethroning the Digital...

Today, we dive into the 2nd part of looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals. So, see you on the inside! Want our 14-poi...

Today we are looking at our 14-Point Checklist to Give Away a Million Dollars. We delve into our personal journey of giving away a million dollars and break down a 14-point checklist that guided us. This isn't just about our experience; it's about providing you with ideas and inspiration to reach your own financial and giving goals. So, see you on the inside!   Want our 14-point checklist? DM @see...

We recently took a road trip and recorded this episode from our phone at a rest-stop.  But, if you want to know get to know us a bit better, this episode will give you a peek into who Bob & Linda are!  Enjoy!     Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtube.com/live/bh3Qnv5LO1c )! If you haven't checked out our best-selling book Simple Money, Rich Life ( https...

Inside, I'm going to show you the 4-step process that can stop negative, reactive spending habits in their tracks and get you on the path to saving, giving, and enjoying more of your money: **Identifying** the biggest (and messiest) money opportunities with the 'RFC' matrix. **Managing** your biggest opportunity with the 80/20 Budget.  **Redirecting** the surplus where you want it to go (practicin...