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    • We just checked off the biggest goal in our life
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God’s put a dream on your heart. Don’t let money get in the way.

Learn our 4-step process to simplify, multiply & get full control of your money. It’s time to quit stressing about it & get on with your God-given purpose.

Drop your email below to join 100,000+ others and get 5 days of actionable financial wisdom straight in your inbox.

Bob and Linda Lotich your money cheerleaders

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20 years ago, we were drowning financially…

Maxed-out credit cards. Debt collectors calling. “Fasting” meals when money ran out before payday. Scrounging for coins to put $3 of gas in my car just to make it to work.

When I shared my dream of giving away a million dollars, my pastor actually laughed.

I couldn’t blame him—I couldn’t see how it would ever happen either.

Then God strategically placed three mentors in our lives who changed everything:

First: A mentor helped me discover that my entire financial mindset was built on the world’s broken money system—not God’s design.

Second: When I was at my lowest—drowning in debt, in a dead-end career path, and without hope—another mentor saw potential in me that I couldn’t see in myself.

Third: A millionaire school teacher (yes, really!) showed me how wealthy people actually think about money and taught us 3 counter-intuitive habits that transformed our financial future forever.

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

As we applied these 3 habits, transformation began.

We paid off one credit card, then a car, then student loans, and finally our entire house—just 3 years into a 30-year mortgage. 🙌

Against all odds (and what everyone thought possible) by His grace…

we achieved our “impossible” goal of giving away a million dollars by age 40.

Now we help everyday Christians like you transform their finances using the same proven strategies that mission-driven millionaires use.—but with a purpose bigger than just accumulating wealth to buy diamond-encrusted everything and buy a bunch of yachts.

Our students build financial freedom that fuels their God-given mission and advances the Kingdom.

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Bob Lotich, CEPF® and Linda Lotich

What we do:

For the last 15+ years, we have shared the life-changing secrets our mentors taught us with over 54 million readers and listeners in our award-winning book, website (that you are reading), Podcast, and courses.

For Individuals: Transform your finances with our book Simple Money, Rich Life — it’s the exact blueprint that helped us eliminate $400,000 in debt and give away $1 million by age 40.

For Churches: Our True Financial Freedom class equips your congregation to move from financial stress to “abundance for every good work” (2 Cor 9:8) through our grace-filled video curriculum.

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What makes SeedTime different

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. 

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 for free
achieve true financial freedom and design a life of eternal impact

2. Get our award-winning book for FREE

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. 

And for a limited time, we’d love to send you a copy for FREE if you can just help us cover shipping and handling. 👇

Get your free copy
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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.

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4. Join over 20,000 others who’ve taken our courses.

From our best-selling budgeting alternative, to our passive investing course, to our on-demand class for churches and small groups 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.

109,207

Amazing Youtube subscribers across 2 channels

23,635

Students who have enrolled in one of our courses.

45,684

happy readers of our book Simple Money, Rich Life

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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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