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SeedTime Money (Christian Personal Finance)

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Save More, Earn More, Give More, and Enjoy It All

And you don’t have to live like a pauper, become an accountant, or work 100 hour weeks. Spend less time and get better results. Take the first step by getting our newsletter. 

As featured in:

Bob and Linda Lotich of SeedTime featured in Forbes, Yahoo Finance, Time, Youversion, CBN, USA Today, Kiplinger

You do NOT need to be a financial expert to win with money. 

I know that’s what the big financial industry wants us to believe–I used to work for them.

But the truth is that when you break it down, winning with money is far simpler (and takes far less time) than most believe. You just need to set up a simple system that will help you succeed automatically, so you can get on with your life.

That’s exactly what we help you do with our courses.

How we can help

Spend less time thinking about money and get far better results. 

We focus on teaching our set-it-and-forget-it methods of managing money because we always prioritize simplicity.  And in the 21st century it is easier than ever to automate your way to financial success.

Experience true financial freedom

True financial freedom is less about yachts and private islands and more about being free to fulfill your God-given purpose.  Money is simply a tool God provides to help us do the task He has given us. Sure, when you can afford it, get your private island and send us an invite 😉 but the key is always in seeking Him first, never the stuff.

Tear down the financial lies holding you back

Whether you make 30k a year or 3 million a year, you likely have financial beliefs that you have inherited that are holding you back from your financial potential.  We help you break them once and for all and replace them with the empowering truth that will propel you forward.

Become truly free… because the world needs you to be

Guess what?  This isn’t just about you. When you are free to follow your purpose, the by-product is that the world is blessed. And if that wasn’t enough, when you are in a better financial position, you have more to give and impact the world around you. And that is where we are going my friend. 

Our Story

Bob Lotich, Certified Educator in Personal Finance, CEPF®
Bob Lotich, Certified Educator in Personal Finance, CEPF® 

In 2001 I (Bob) was living off of a nearly maxxed out credit card with only $7 in my bank account. I then found myself broken down in the middle of the road and stranded 1,000 miles from home.

I had no one to call, no money to solve the problem, and no clue how I had gotten into the mess I was in. I had reached my financial breaking point.

Linda Lotich
Linda Lotich, Certified Spender of All our Money

About the same time I (Linda) was living at home with my parents with a full-time job and yet I was spending 150% of my income and racking up debt at a record pace.  Debt collectors began calling and I felt scared, alone, and clueless about what to do. 

And just a few years later we got married and combined our financial messes. Look, weren’t we cute?

Bob and Linda Lotich on their wedding day

We discovered a “formula” of sorts…

Out of our financial messes, as we began seeking wisdom, God began revealing a “formula” to true financial freedom. And it was counter to everything we thought we understood about money.

Over the years that followed as we implemented the strategies and methods we teach we began moving forward financially.  Finally broke the paycheck-to-paycheck cycle and actually had some money leftover at the end of the month.  We began paying off credit cards, car loans, and ended up even paying off our mortgage. 

Just paid off the mortgage!
So excited about our mortgage payoff that 3/4 of us can’t figure out where to look.

All in all, over $400,000 of debt paid off.  And to top it all off we were able to reach a goal we had of giving $1 million by age 40. 

To God be the glory. 

We aren’t trust-fund babies.  We are just 2 middle-class kids from Missouri who were complete financial messes who took the steps we teach to see a financial turnaround of epic proportions.

But this isn’t about us… 

This is about you and the shortcuts.  

Not everything has to be learned the “hard way”. It’s a whole lot easier when you can just learn from someone who is where you want to be. That way you get the shortcuts to your goals all while avoiding the mistakes most people make.

And that is exactly why we are here.

4 ways we can help you achieve true financial freedom

The Simple Money newsletter by Bob Lotich

1. Join over 100,000 others and get our FREE newsletter.

You’ll get our best tips to better automate, save, earn passively, and invest smarter without any guilt or shame. And a good dose of encouragement to keep you going on your journey.

Join the SeedTime family
achieve true financial freedom and design a life of eternal impact

2. Get the book

Unlike any other financial book you’ve read this is the operating manual we followed to pay off $400k of debt and give $1 million by age 40.

Join us as we share our best tactics and strategies, inspirational stories, Biblical wisdom, and some laughs. All without a hint of guilt or shame. 

Learn more
The Seed Time Money podcast with Bob and Linda Lotich

3. Get the Seed Time Money podcast

Join us as we share real-life case studies, encouragement, and our best secrets and tips to unlock your earning, saving, and giving potential. Listen anywhere you listen to podcasts or on Youtube.

Listen to the podcast
The Real Money Method course - the most popular seed time course

4. Join the thousands who’ve taken our courses.

From our best-selling budgeting alternative, to our passive investing course, to our 6-week comprehensive LIVE training our courses are quick and are the fastest way to get the biggest results.

Get results faster

By the numbers.


54,385,537

Visitors we’ve served with this website since 2007.

101,207

Amazing Youtube subscribers

11,635

Students who have enrolled in one of our courses.

41%

of our income is given away to various charities.

Mind if we give you a gift?

The SeedTime checklist to financial freedom

Want our 23-point checklist to financial freedom?

Drop your email below to get our newsletter and i’ll send the checklist right over.

Follow us on Instagram

For daily inspiration and simple strategies to win with money, make sure to follow us. We are @seedtime and would love to connect with you there! And when you do send us a DM to say hi.

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Our book Simple Money, Rich Life was named 2022 book of the year!
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