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    Seed Time Money with Bob & Linda Lotich

    We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun. 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. Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show. We help you spend less time thinking about money while getting better results. The SeedTime 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 Mark Batterson, Annie F. Downs, Joshua Becker, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances. 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'. Get a FREE preview at https://seedtime.com/scoreboard
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    Episodes (271)

    The 10 golden rules of becoming a millionaire (Part 2)

    The 10 golden rules of becoming a millionaire (Part 2)

    Today we are talking about part 2 of the 10 Golden Rules of Becoming a Millionaire that we are pulling from an article we found. There is lots of good stuff in here, so definitely check this out!

    If you haven't checked out part 1 yet, listen to that first!!

     

    Links:

     

    These are a few of the topics we cover:

    • The balance of YOLO and saving for tomorrow
    • How do you want to spend your retirement?
    • The only 6 ways to get rich
    • The best ways to build wealth 
    • Would you fare better working for a business or starting your own business?
    • The riskiest thing that you can do
    • Your well being is no one else’s responsibility
    • Are you depending on the government, or depending upon God?
    • Why less is more… even when it comes to information
    • The healthiest strategy when it comes to investing in the stock market
    • Why time is not money… money is time!

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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 10 golden rules of becoming a millionaire (Part 1)

    The 10 golden rules of becoming a millionaire (Part 1)

    Today we are talking about The 10 Golden Rules of Becoming a Millionaire that we are pulling from an article we found. There is lots of good stuff in here, so definitely check this out!

    And then stay tuned for part 2!

     

    Links:

     

    These are a few of the topics we cover:

    • Our journey and motivation for making money
    • The secret to being content
    • Have you involved God and prayed about your finances?
    • We hope you’re not spending your money like this…
    • Why there is no “neutral” ground in personal finance
    • How much you make doesn’t matter as much as THIS does
    • The best time to buy stocks and the best time to sell
    • The risk/payoff ratio when it comes to investing
    • Warren Buffet’s golden rule on investing
    • The difference between looking rich and actually being rich
    • Having an eternal perspective when it comes to your finances
    • Money is an amplifier to your character

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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.

    How to get paid MORE for the work you do

    How to get paid MORE for the work you do

    Your WORTH in the marketplace is tied to CONTEXT. This is incredibly important to understand when you are wanting to earn more from the work you do. So in this episode we discuss how to position yourself to get paid MORE for the work you do.

    Links:

     

    These are a few of the topics we cover:

    • How to determine your worth and your value in the marketplace
    • The value of something depends upon the context (The Joshua Bell story and lesson)
    • How to get yourself in the position where you're valued the most
    • How to operate within your giftings
    • How to discover what your gifts are
    • How the Enneagram fits in
    • Why you have to continue to learn and hone the skills God has given you
    • How to identify where you need to be

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    [Hubpages update] A simple way to earn passive income from your writing

    [Hubpages update] A simple way to earn passive income from your writing

    In 2009 - yes 14 years ago - I began writing random articles to generate passive income on a site called Hubpages. I haven’t written a thing for the site in over a decade and I am still getting checks from them each and every month.

    And so in this episode I want to give an update on how this passive income experiment with Hubpages has worked out for me and a recent experience from a reader in the SeedTime community as well.

    Links:

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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.

    How to use ChatGPT for Bible study [4 ways]

    How to use ChatGPT for Bible study [4 ways]

    Today I'm sharing 4 different ways that I've been using a new AI tool called Chat GPT for Bible study. It's a really fascinating tool and I'm excited to share with you to see how it can help you out in your Bible study.

    Chat GPT is a free AI tool that that has infinite possibilities, but today we are talking specifically about how we can use it to help us quickly search for Bible verses, generate summaries or outlines of Bible passages and even answer questions about what was going on in the world when a specific book of the Bible was written.

    It's been a great tool to help me in my Bible study and you might find it helpful as well.

    The first way I've been using it is to ask, "What does the Bible say about blank?" This has been really helpful to quickly search for different Bible verses on a specific topic. All you have to do is type in the topic and it will spit out different Bible verses that relate to it.

    The second way I've been using Chat GPT is to ask, "Are there any Bible verses that support this “blank”?" I can paste in a section of text I wrote and it will provide me with Bible verses that can help support my point. This has been really helpful because sometimes there are verses that I can't remember but this tool can help me out.

    The third way I've been using Chat GPT is to generate summaries or outlines of specific Bible passages. For example, I asked it "What's the meaning of the parable of the talents?" and it provided me with a great summary of the parable and the lesson it teaches us.

    If you wanna try it out, you just need to go to chat.openai.com and create a free account. I'd love to hear your thoughts on this tool and how you're using it in your Bible study. Let me know by sending me a DM on Instagram. Thanks for joining me on today's episode and I'll see you in the next one!

     

    Links:

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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 Battle is His, But you have to show up

    The Battle is His, But you have to show up

    Whether you are in a financial crisis or doing fine, you can bet that you have had (or will have) financial battles to face. This episode goes over the Biblical approach to face them head-on and to see God show up and do the miraculous in your situation.

    Read 2 Chronicles 20 to get the full story.

    Links:

     

    These are a few of the topics we cover:

    • One of the coolest miracles of the Bible
    • The power of prayer in numbers
    • Even when it seems impossible, do this
    • Blessings and protections received when obeying God
    • Do this when you are facing a battle in your finances
    • How to do what you can in the natural, so you can experience what God can do in the supernatural
    • The unfair advantage we have as Believers

     

    If you haven’t checked out our best-selling book, Simple Money, Rich Life, we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    Carlos Whittaker on giving away $2 million+ and how to actually be human

    Carlos Whittaker on giving away $2 million+ and how to actually be human

    Today we are sitting down with Carlos Whittaker and discussing everything from how he has used Instagram to give away over $2 mil to random people, to how social media algorithms are tearing us apart, to his brand new book called How to Human.

    Carlos is a great writer, storyteller, and communicator and this book is more important than ever as we live in such a divided society. This book shows how to do it right, so grab a copy here: https://amzn.to/3XVCOot. And while you are at it, follow Carlos on Instagram: @loswhit

    You can watch this episode on our SeedTime Money Podcast YouTube channel

     

    These are a few of the topics we cover:

    • What social media sites are you following? Who are you listening to?

    • How screen time affects your brain

    • How can we be healthy when it comes to technology

    • Are you generous? How do you define generosity?

    • Can you be addicted to giving?

    • What Christians should be doing that the government is currently doing

    • How to know where you should give

    • Jesus was always gave like this

    • You don’t have to wait to have a lot of money to give

    • People are desperate to be seen… by us!

    • Giving is not only biblical, but spiritual

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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.

     

    This simple investing strategy paid off our house

    This simple investing strategy paid off our house

    We first paid off our house at age 31 and then after moving to Tennessee, we took out a mortgage and then paid it off again using the simple investing strategy that we talk about in this podcast. 

     

    Links:

     

    These are a few of the topics we cover:

    • The most impactful investing lesson that I've ever learned
    • What items are you currently spending money on that are decreasing in value?
    • What can you be buying that will increase in value with time?
    • How to be strategic when buying individual stocks
    • The benefits of passive investing
    • How you can win a $25 Amazon gift card from us

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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.

    Why investing is a moral obligation for us

    Why investing is a moral obligation for us

    Some Christians seem to think investing is morally wrong because it means that you are serving mammon rather than God. Well, we not only disagree, but we actually feel that we have a moral obligation to invest our money. Here is why... 

    Links:

     

    These are a few of the topics we cover:

    • The consistent connection with our hearts and money
    • How to know if you are putting your trust in money, or in God
    • Why investing is part of being a good steward
    • The trap not-for-profits get stuck in
    • God didn’t create us to just be mediocre
    • Why we need safe boundaries in place when it comes to our finances
    • Believing God for beyond what you can do in the natural
    • How we behave with our money reveals our heart
    • The secret of being content
    • What is true financial freedom?
    • How to grow your money so that you can give more 

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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.

    A peek into my lifelong investing plan

    A peek into my lifelong investing plan

    As I was updating our 10X Investing Course, I came across a lesson that I wanted to share with you! It’s my life-long investing plan. This lesson is broken up into four key stages and I’ll take you through each one of them.

    If you want to learn more, we are currently running a special on our 10X Investing Course that you can sign up for in the links below.

     

    Links:

     

    These are a few of the topics we cover:

    • The 10X stages of investing and my life-long investing plan
    • Anti-investments and why they need to be eliminated
    • How to begin laying a foundation when it comes to investing
    • How to see the power of your money working for you
    • The critically important thing you need to do to break out of the rat race
    • How to build significant wealth over time
    • Investing risks vs rewards
    • The biggest yield I’ve experienced in my investments
    • Cryptocurrency and its risk
    • When to start investing in riskier investments
    • The problem with an investment that is too safe
    • My long-term goal for retirement when it comes to investing

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 300 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 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 top 7 actions Americans took to build wealth last year.

    The top 7 actions Americans took to build wealth last year.

    This is a look at the top 7 actions Americans took to build wealth in 2022. Which of these are you doing? 

    Links:

     

    These are a few of the topics we cover:

    • Inflation and interest rates, have they affected how you're building wealth?
    • Can you make more money with a different job? Or by starting a business?
    • What is an iBond? And should you have them?
    • How to negotiate a raise
    • What makes you valuable in the workplace?
    • What hobbies do you have that you can turn into income?
    • The best time to invest in the stock market
    • How not to trade your hours for dollars
    • The best way for you to invest in the long term
    • What is your purpose in building wealth?

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    A few things we are excited about...

    A few things we are excited about...

    Hey friends, today we are just chatting about some fun and exciting things happening and if you are part of this little SeedTime community, you have likely been part of them - so thank you! Oh and there might just be a mention of a $2k giveaway coming soon?!?!

    If you want more information about using our True Financial Freedom class in your church, shoot me an email bob@seedtime.com and I can get you all the details!

    Larry Bird was mocked from teammates for saving money then this happened…

    Larry Bird was mocked from teammates for saving money then this happened…

    Famed basketball legend, Larry Bird, was apparently mocked by his teammates because he didn’t spend his earnings recklessly (like so many NBA players). There are some lessons here for us all to take...

     

    Links:

    (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

     

    These are a few of the topics we cover:

    • Think being a multi-millionaire athlete guarantees financial security for life? Think again!
    • Are you making smart decisions with your money?
    • Unlock the secret to wise money management
    • Avoid emotional pitfalls and make sound financial choices
    • How your giving can make a lasting impact on eternity
    • Are you in control of your financial situation?
    • Imagine the life you want to live and start planning for it today
    • What are your current savings goals? And are you on track to achieve them?
    •  

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    C.S. Lewis' 1 rule about giving

    C.S. Lewis' 1 rule about giving

    I decided to dig into what C.S. Lewis, the great theologian, had written about money over his years of writing. And I was fascinated by what I found. One of the most striking things was that in all his studies of the Word, he boiled all his thoughts and beliefs about Biblical giving and generosity down to one simple rule that we all can follow.

     

    Links Mentioned:

    (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

     

    These are a few of the topics we cover:

    • The Apostle Paul's financial wisdom
    • Does poverty frighten you?
    • What your money says about your heart
    • Are you depending upon money, or upon God?
    • What does true financial freedom mean to you?
    • How do you handle the storms in your life?
    • When God gives you a vision, He will also provide the provision
    • What can you say no to, so that you can say yes to giving?
    • How to store up treasure in heaven
    • Why you should pray for your finances

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    Crypto & Bitcoin 101 (this should be required listening for every person)

    Crypto & Bitcoin 101 (this should be required listening for every person)

    Today I want to do something a little bit different. I’m talking about Bitcoin and Cryptocurrency on a 101 level. Regardless of whether you have any interest in crypto, i'd love for you to understand this so you don't fall into the 2 most common crypto camps: those who thing it is a ticke to get rich quick and those who say it is ALL a scam. THIS is the message that I want everyone to hear and understand about cryptocurrency...

    Links:

    (Please note: links mentioned may be affiliate links that help us support our podcast and
    website. Thanks for your support!)

    These are a few of the topics we cover:

    • Why you should know about cryptocurrency (at least a little)
    • Understanding cryptocurrency (i.e. blockchain, Bitcoin, Ethereum, tokens, etc.)
    • Why is crypto investing so volatile?
    • What is the safest crypto investing option?
    • Why we should think of blockchains like the journey of the iPhone
    • What to know about decentralized finance
    • And a lot more...

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    Please don't ever say this to us

    Please don't ever say this to us

    So many financial experts do this and I've had this happen to me so many times over the years. So please don't ever say THIS to us...

    Links Mentioned:

    These are a few of the topics we cover:

    • Worrying about what others think of your purchases
    • Feeling judged for your financial situation
    • Are you relying on external sources in finding your identity?
    • How to find true financial freedom

     

    You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    How I gave away $1,000,000

    How I gave away $1,000,000

    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 monitoring what we call our 'Net Given' - it's a number that's crucial to keep an eye on. Check out this episode for more on all of this!

    And this episode is pulled from a YouTube video we shot, so if you want to watch you can do so here: https://youtu.be/xW-Sh8z0uR4

    Links:

    (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

     

    These are a few of the topics we cover:

    • Why you should invite God on your giving journey
    • The importance of writing down your goals
    • Do you think eternally as a Christian?
    • What you should track instead of your Net Worth
    • Does your budget include a giving category?
    • Have you challenged yourself to give more?

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    Medishare: I just saved $780 in 5 mins with this little known deal for members

    Medishare: I just saved $780 in 5 mins with this little known deal for members

    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 Mentioned:

    (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)

     

    These are a few of the topics we cover:

    • What is Medi-Share?
    • How you can save hundreds, or even thousands, with this little known secret
    • How to be healthier and save money at the same time

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

    (Devo) Get wisdom!

    (Devo) Get wisdom!

    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:

    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 unlock the treasures of true knowledge
    • Why Larry Bird was mocked by his teammates
    • Why the Bible is known as the Living Bible
    • The beneficial byproduct of seeking after wisdom
    • It doesn't matter how wise you are right now, you can always get more wisdom

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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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