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The SeedTime Money Podcast

A podcast for people who don’t listen to money podcasts

2025 Podcast cover SeedTime Money

Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.

Oh and we have a different take on money than most financial experts. You know, down-to-earth, approachable, easy to understand, and even fun.

Drop your email below to get notified about every new episode.

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy41MkY4MEFEMzE4Q0IyQ0E4 71% of Americans admit they’re losing sleep over money—but Jesus already gave us the cure in the most famous sermon ever preached.

In this episode, Bob and Linda unpack the surprising connection between mammon, anxiety, and misplaced treasure—and share the one simple prayer that can break financial fear and open the door to God’s peace and provision.

They walk through Matthew 6:19–34, revealing how birds and lilies understand something most believers forget: your value isn’t in what you own—it’s in who owns you.



★★ What You’ll Learn: ★★ 
➡ The hidden link between serving mammon and constant money stress
➡ Why Jesus’ words in Matthew 6 are a direct cure for financial anxiety
➡ The “treasure principle” that keeps peace and provision flowing
➡ How comparison steals your provision (and how to stop)
➡ A practical, Biblical step you can take today to renounce financial fear


★★ Scripture References (NLT): ★★ 
➡ Matthew 6:19–34 — “You cannot serve both God and money.”
➡ Philippians 4:6–7 — “Don’t worry about anything; pray about everything.”
➡ Genesis 8:22 — “Seedtime and harvest will never cease.”


★★ Episode Highlights: ★★ 
⏱️ [00:00] The most famous speech in history includes a promise to end financial stress.
⏱️[02:00] Why Bob keeps being drawn back to the Sermon on the Mount.
⏱️ [04:00] 71% of Americans say money causes anxiety—what Jesus says instead.
⏱️ [06:00] The real meaning of “You cannot serve both God and mammon.”
⏱️ [10:00] Birds, lilies, and the power of staying in your lane.
⏱️ [16:00] Authenticity, identity, and how comparison blocks provision.
⏱️ [20:00] Bob’s breakthrough: what “Seek first His kingdom” looks like in practice.
⏱️ [22:00] How renouncing the spirit of mammon changed everything.
⏱️ [27:00] The one-sentence prayer that breaks anxiety at the root.


★★ Key Quotes: ★★ 
➡ “If I put my treasure in something that can’t be stolen, I have nothing to be anxious about.” – Bob
➡ “Mammon isn’t just money—it’s the spirit that makes us perform for value.” – Linda
➡ “The lilies never try to fly, and the birds never try to bloom. They just do what they’re created to do.”
➡ “You don’t need a priest or platform to be free—you just need Jesus.”


★★ The One-Minute Prayer: ★★ 
“Lord, I renounce a spirit of mammon.
I repent for putting my treasure in earthly things.
Help me seek Your kingdom and righteousness instead.
Holy Spirit, fill me with truth and peace.
In Jesus’ name, amen.”


★★ This Week’s Action Step: ★★ 
🕊️ Pray the “Freedom from Mammon” prayer daily for 7 days.
➡ Each time money anxiety rises, pause and say:
“God, You are my provider. I trust You, not mammon.”
➡ Then, reread Matthew 6:19–34 and note what new revelation stands out.


“You don’t have to serve mammon—you get to serve God. And when you do, anxiety finally loses its grip.”



👉Subscribe for more Bible-based conversations about money and freedom.

💬Tell us: what verse helps you fight money anxiety?

📖 Read the full passage: Matthew 6:19–34 (NLT)

💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!
Subscribe
Jesus doesn't normalize money stress...
November 5, 2025 1:00 pm
71% of Americans admit they’re losing sleep over money—but Jesus already gave us the cure in the most famous sermon ever preached.

In this episode, Bob and Linda unpack the surprising connection between mammon, anxiety, and misplaced treasure—and share the one simple prayer that can break financial fear and open the door to God’s peace and provision.

They walk through Matthew 6:19–34, revealing how birds and lilies understand something most believers forget: your value isn’t in what you own—it’s in who owns you.



★★ What You’ll Learn: ★★ 
➡ The hidden link between serving mammon and constant money stress
➡ Why Jesus’ words in Matthew 6 are a direct cure for financial anxiety
➡ The “treasure principle” that keeps peace and provision flowing
➡ How comparison steals your provision (and how to stop)
➡ A practical, Biblical step you can take today to renounce financial fear


★★ Scripture References (NLT): ★★ 
➡ Matthew 6:19–34 — “You cannot serve both God and money.”
➡ Philippians 4:6–7 — “Don’t worry about anything; pray about everything.”
➡ Genesis 8:22 — “Seedtime and harvest will never cease.”


★★ Episode Highlights: ★★ 
⏱️ [00:00] The most famous speech in history includes a promise to end financial stress.
⏱️[02:00] Why Bob keeps being drawn back to the Sermon on the Mount.
⏱️ [04:00] 71% of Americans say money causes anxiety—what Jesus says instead.
⏱️ [06:00] The real meaning of “You cannot serve both God and mammon.”
⏱️ [10:00] Birds, lilies, and the power of staying in your lane.
⏱️ [16:00] Authenticity, identity, and how comparison blocks provision.
⏱️ [20:00] Bob’s breakthrough: what “Seek first His kingdom” looks like in practice.
⏱️ [22:00] How renouncing the spirit of mammon changed everything.
⏱️ [27:00] The one-sentence prayer that breaks anxiety at the root.


★★ Key Quotes: ★★ 
➡ “If I put my treasure in something that can’t be stolen, I have nothing to be anxious about.” – Bob
➡ “Mammon isn’t just money—it’s the spirit that makes us perform for value.” – Linda
➡ “The lilies never try to fly, and the birds never try to bloom. They just do what they’re created to do.”
➡ “You don’t need a priest or platform to be free—you just need Jesus.”


★★ The One-Minute Prayer: ★★ 
“Lord, I renounce a spirit of mammon.
I repent for putting my treasure in earthly things.
Help me seek Your kingdom and righteousness instead.
Holy Spirit, fill me with truth and peace.
In Jesus’ name, amen.”


★★ This Week’s Action Step: ★★ 
🕊️ Pray the “Freedom from Mammon” prayer daily for 7 days.
➡ Each time money anxiety rises, pause and say:
“God, You are my provider. I trust You, not mammon.”
➡ Then, reread Matthew 6:19–34 and note what new revelation stands out.


“You don’t have to serve mammon—you get to serve God. And when you do, anxiety finally loses its grip.”



👉Subscribe for more Bible-based conversations about money and freedom.

💬Tell us: what verse helps you fight money anxiety?

📖 Read the full passage: Matthew 6:19–34 (NLT)

💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

30 4

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy41MkY4MEFEMzE4Q0IyQ0E4

Jesus doesn't normalize money stress...

SeedTime Money Podcast with Bob & Linda Lotich November 5, 2025 1:00 pm

What if the greatest danger in our giving isn’t how much we give—but why we give? In this episode, Bob and Linda unpack one of the most shocking stories in Acts 5: the tale of Ananias and Sapphira. Why did God respond so severely—and what does it reveal about our own struggles with wealth, legacy, and generosity? Together, we wrestle with the tension between leaving an inheritance (Proverbs 13:22) and practicing radical generosity (Acts 4, Matthew 6:33). You’ll hear how this tension has played out in our own finances, and we’ll share a 4-part framework to help you align your money with God’s priorities—without guilt, fear, or legalism.


★★ What You’ll Learn in This Episode: ★★
➡ Why the story of Ananias & Sapphira still convicts believers today.
➡ The hidden danger of looking generous versus being generous.
➡ How Barnabas modeled the right heart posture in giving.
➡ 4-part biblical framework for wealth + generosity: Provide, Preserve, Prioritize, Pivot.
➡ Practical questions to evaluate your heart when it comes to money.


★★ Scripture Anchors (NLT): ★★
➡ Acts 5:1–11 — The sobering story of Ananias & Sapphira.
➡ Proverbs 13:22 — “Good people leave an inheritance to their grandchildren…”
➡ Matthew 6:33 — “Seek the Kingdom of God above all else…”
➡ 1 Timothy 5:8 — “Those who won’t care for their relatives… have denied the true faith.”


★★ Action Step This Week: ★★
Ask yourself: Where am I tempted to cling to financial security instead of trusting God? Pray over that specific area and invite the Lord to re-order your priorities.


★★ Listen & Share: ★★
If this conversation challenged you, would you share it with a friend? Let’s normalize radical obedience and kingdom generosity in today’s world.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

25 31

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5FN0IyODJCNzIzRTRCQzVB

The #1 Mistake Christians Make When it Comes to Giving

SeedTime Money Podcast with Bob & Linda Lotich October 25, 2025 5:01 am

If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot. Bob & Linda share how they’re teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life.

You’ll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between “nudging” kids toward giving vs. letting them choose it themselves.

By the end, you’ll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them.


★★ What You’ll Learn in This Episode: ★★
➡ Why teens are often afraid to “launch” financially—and how to help
➡ A simple way to adapt the Real Money Method for high schoolers
➡ How to teach kids to give, save, and spend wisely (10/10/80 rule)
➡ Practical tools: using Greenlight cards and starter investment accounts
➡ The debate: should we require kids to tithe, or let them choose?
➡ How just a few early investing years can radically change retirement


★★ Key Scriptures Mentioned: ★★
➡ “The borrower is servant to the lender.” (Proverbs 22:7, NLT)
➡ “Wherever your treasure is, there the desires of your heart will also be.” (Matthew 6:21, NLT)
➡ “The generous will prosper; those who refresh others will themselves be refreshed.” (Proverbs 11:25, NLT)


★★ Resources & Links: ★★
➡ Learn more about the Real Money Method → seedtime.com/realmoney 
➡ Explore Greenlight debit cards for kids → seedtime.com/2/greenlight.php
➡ Our 10x Investing Course for teens & adults → seedtime.com/investing 


★★ Action Step This Week: ★★
If your teen has income—whether it’s $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.


★★ Subscribe & Review: ★★
If you enjoyed today’s episode, hit subscribe so you don’t miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.



★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

6 0

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5CNzc3NkExNzJGNUI3RDY0

Teaching teens about money (here's what you need to know)

SeedTime Money Podcast with Bob & Linda Lotich October 19, 2025 12:00 pm

What if one short, 29-word sentence from the Bible could shift the atmosphere in your home, change how you see your finances, and remind you that God Himself has placed His name on you?

In this episode, Bob & Linda dive into the Aaronic blessing from Numbers 6 — a prayer that God commanded to be spoken over His people. You’ve probably heard it before, maybe even sung it in church, but chances are you’ve never fully realized its power in your daily life.


★★ Together we’ll explore: ★★
➡ Why this blessing is more than “positive thinking” or manifesting
➡ How spoken words shape your family, your finances, and your future
➡ Why declaring truth over yourself can break negative mindsets like “I’ll always be broke”
➡ A practical way to start speaking this blessing over your kids, spouse, and money

Bob and Linda also share personal stories of teaching their kids the power of words—and how this ancient blessing is still changing lives today.

📖 Scripture highlight: “May the Lord bless you and protect you. May the Lord smile on you and be gracious to you. May the Lord show you His favor and give you His peace.” (Numbers 6:24–26, NLT)

💡 This week’s action step: Speak the Aaronic blessing out loud once a day—over yourself, your family, or your finances. Notice how it shifts your mindset and brings peace.


★★ Resources & Mentions: ★★
➡ Numbers 6:22–27 (NLT + Amplified Bible for deeper reflection)
➡ Join the SeedTime community for more resources → [SeedTime.com]
➡ Related Episode: The Power of Your Words in Shaping Your Finances


🙏 If this episode blessed you, would you share it with a friend and leave a quick review? Your words help us reach more believers learning to steward money God’s way.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

17 0

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy4xNjRENUU2RTk5MUNEMkQ0

The 29-Word Bible Verse That Literally Puts God’s Name on You

SeedTime Money Podcast with Bob & Linda Lotich October 18, 2025 5:01 am

Over the last few weeks, there’s been so much talk about the Charlie Kirk tragedy.
But as I’ve listened to all the commentary, I realized—no one’s talking about this.

We didn’t want to make another video about what happened.
We wanted to talk about what Jesus actually modeled when something unthinkable happens…
and how that applies to us right now.

This episode honestly challenged both of us deeply.
It’s one of those conversations where you feel the tension between what feels fair…
and what faith actually calls us to do.

We’re not trying to debate headlines.
We’re just asking—what does it look like to follow Jesus when it really costs something?



★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 

★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.”


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

Over the last few weeks, there’s been so much talk about the Charlie Kirk tragedy.
But as I’ve listened to all the commentary, I realized—no one’s talking about this.

We didn’t want to make another video about what happened.
We wanted to talk about what Jesus actually modeled when something unthinkable happens…
and how that applies to us right now.

This episode honestly challenged both of us deeply.
It’s one of those conversations where you feel the tension between what feels fair…
and what faith actually calls us to do.

We’re not trying to debate headlines.
We’re just asking—what does it look like to follow Jesus when it really costs something?



?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.

?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.”


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

27 0

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy4xM0Y3OTRDQTIwMDREQ0FB

We Tried Praying for Our Enemies (Here’s What Happened)

SeedTime Money Podcast with Bob & Linda Lotich October 10, 2025 7:15 pm

Most people think wealth is about earning more. The truth? It’s about the patterns you repeat every day.

In this episode, we break down 10 specific patterns that predict whether you’ll be broke or wealthy 10–20 years from now. These aren’t obvious mistakes like “don’t buy lattes.” They’re subtle, sneaky habits that quietly lock people into financial struggle… or quietly compound into freedom.


★★ Here’s what we cover: ★★
➡ Why overspending on status is a trap (and what to do instead).
➡ How shopping without a list bleeds your bank account.
➡ The single most profitable investment you’ll ever make (and it’s not the stock market).
➡ Why living in the wrong location costs more than you think.
➡ The mistake of copying successful people at the wrong season of their life.

This is the episode I wish every 20- and 30-something could hear. But truthfully, even people in their 40s and 50s are still making these mistakes.


★★ Resources & Mentions: ★★
➡ Die With Zero by Bill Perkins → http://bit.ly/3yZjK8N
➡ Alex Hormozi’s content → https://www.acquisition.com
➡ Mission-Driven Millionaire Program (our coaching) → https://seedtime.com/mission-driven-millionaire/ 
➡ VidAngel (content filtering platform) → https://www.seedtime.com/vidangel

👉 If you found this valuable, share it with a friend, drop a comment, and subscribe. Let’s break the broke patterns together.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

30 21

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5GQzY2NjMwQzk5QkYwRTM0

10 Millionaire Patterns the Wealthy Follow (and Broke People Don't)

SeedTime Money Podcast with Bob & Linda Lotich October 4, 2025 5:00 am

This episode hit me hard. We cracked open 2 Kings 4—the story of the widow, her debt, and the jars of oil—and I realized it’s not just about a miracle… it’s about God’s system for provision.

Most of us pray for breakthrough but miss the order:
👉 Ask
👉 Obey
👉 Sell (work the miracle)
👉 Pay debt
👉 Then live on the overflow

The widow didn’t just receive money from heaven. She started what might be the first side hustle in the Bible. And her story shows us exactly why so many of us feel like God’s provision “isn’t working.”


★★ Here’s what we unpack in this conversation: ★★
➡ The hidden business model inside the miracle of the oil jars
➡ Why saying “I have nothing” blinds you to God’s multiplication
➡ The danger of skipping God’s order for provision
➡ How our own story of business + debt mirrors the widow’s
➡ The mindset shift that turns small resources into abundance

If you’ve ever wondered why God seems to bless others but not you, this episode may flip everything you believe about money and miracles upside down.


★★ Resources & Mentions: ★★
➡ Bible passage: 2 Kings 4:1-7
➡ Book reference: Communicating for a Change by Andy Stanley → http://tinyurl.com/comm-for-a-change
➡ Our debt freedom story & resources → https://seedtime.com
➡ More episodes on biblical finance → https://seedtime.com/podcast



👉Whether you’re already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.
 


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

39 35

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy4xRjcxOEFDOTNDQUMxNjMz

Why God’s Provision Won’t Work If You Miss This

SeedTime Money Podcast with Bob & Linda Lotich September 27, 2025 5:01 am

Money advice is everywhere. But not all of it sticks.

In this episode, Linda and I unpack seven pieces of financial wisdom that literally changed our lives. Some came from mentors, some from experience, some from mistakes—but all of them saved us years of stress and struggle.


★★ Here’s what we cover: ★★
➡ Why most people overspend in three hidden categories (and how to fix it)
➡ How starting your marriage on one income sets you up for long-term peace
➡ The car-buying rule that freed us from debt (and still works today)
➡ Why generosity matters especially when you feel broke
➡ How to pay off your mortgage up to 7–15 years early with one simple tweak
➡ The trap of chasing jobs just for money
➡ What to do if traditional budgeting never works for you

💡By the end of this episode, you’ll walk away with practical steps and timeless wisdom to reframe how you see money—so you can stop stressing and start stewarding.


★★ Resources & Mentions: ★★
➡ Joshua Becker’s blog: https://www.becomingminimalist.com
➡ The Real Money Method course: https://realmoneymethod.com
➡ Mission Driven Millionaire program (for students): https://seedtime.com/mission-driven-millionaire

👉 Now it’s your turn: what’s the best piece of financial advice you’ve ever received? Drop it in the comments—we’d love to hear!
 


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

19 1

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5FNDgyRjU5ODVFMTBBN0VG

7 pieces of financial advice that has changed my life

SeedTime Money Podcast with Bob & Linda Lotich September 20, 2025 5:00 am

Pride is sneaky.

It hides behind our success. It masks itself as “spiritual maturity.” It even whispers, “Look at how humble you are.”

And if we’re not careful, pride will be the very thing that takes us out.

In this episode, Linda and I unpack a conversation with John Bevere that completely reframed how I see wealth, success, and following Jesus. We dive into the #1 thing that’s quietly destroying successful Christians — and why humility isn’t just a virtue, it’s survival.


★★ Here's what we cover: ★★
➡ Why King Uzziah’s downfall in the Old Testament still matters for every Christian leader today.
➡ How pride and religion work together to blind us spiritually.
➡ The surprising way the Apostle Paul grew more humble the more successful he became.
➡ My personal story of making more money than ever in 2015 — and how pride almost derailed me.
➡ 3 red flags that tell you success might be leading you away from God instead of toward Him.
➡ The one prayer I now pray regularly to keep my heart in check as we pursue wealth for kingdom impact.


If you’ve ever asked yourself: How do I grow in success without letting pride creep in? …this episode will shake you up in the best way possible.


★★ Resources Mentioned in this Episode: ★★
➡ John Bevere – Author, speaker, co-founder of Messenger International → http://messengerinternational.org 
➡ Conversation with Lecrae + John Bevere (referenced in this episode) → https://www.youtube.com/@johnbevere 
➡ The Bible – Isaiah 6, 2 Chronicles 26, Philippians 2–3, Matthew 5:16
➡ Andy Stanley’s "Communicating for a Change" (referenced framework for clarity) → https://amzn.to/3BzOLgS 
➡ Quote: “You can’t serve God and money. But you can serve God with money.”
➡ Bob’s teaching on Mission-Driven Millionaires → https://seedtime.com 


👉Whether you’re already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.
 


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

Pride is sneaky.

It hides behind our success. It masks itself as “spiritual maturity.” It even whispers, “Look at how humble you are.”

And if we’re not careful, pride will be the very thing that takes us out.

In this episode, Linda and I unpack a conversation with John Bevere that completely reframed how I see wealth, success, and following Jesus. We dive into the #1 thing that’s quietly destroying successful Christians — and why humility isn’t just a virtue, it’s survival.


?? Here's what we cover: ??
? Why King Uzziah’s downfall in the Old Testament still matters for every Christian leader today.
? How pride and religion work together to blind us spiritually.
? The surprising way the Apostle Paul grew more humble the more successful he became.
? My personal story of making more money than ever in 2015 — and how pride almost derailed me.
? 3 red flags that tell you success might be leading you away from God instead of toward Him.
? The one prayer I now pray regularly to keep my heart in check as we pursue wealth for kingdom impact.


If you’ve ever asked yourself: How do I grow in success without letting pride creep in? …this episode will shake you up in the best way possible.


?? Resources Mentioned in this Episode: ??
? John Bevere – Author, speaker, co-founder of Messenger International ? http://messengerinternational.org
? Conversation with Lecrae + John Bevere (referenced in this episode) ? https://www.youtube.com/@johnbevere
? The Bible – Isaiah 6, 2 Chronicles 26, Philippians 2–3, Matthew 5:16
? Andy Stanley’s "Communicating for a Change" (referenced framework for clarity) ? https://amzn.to/3BzOLgS
? Quote: “You can’t serve God and money. But you can serve God with money.”
? Bob’s teaching on Mission-Driven Millionaires ? https://seedtime.com


?Whether you’re already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.



?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.


?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

18 1

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy4xREM3MzQyN0U1NEIwOTNG

The #1 thing destroying wealthy/successful Christians (w/ John Bevere)

SeedTime Money Podcast with Bob & Linda Lotich September 14, 2025 2:10 pm

We thought our story was set. For 13 years, we gave our age as a percentage of our income. It became who we were. People knew us as that couple. Our mortgage was paid off in 10 months. We wrote books. We spoke on stages. We shared the miracle everywhere.

And then—God asked us to stop.

This episode is not about numbers. It’s about obedience. About what happens when the thing God once asked you to do becomes an idol. About the courage it takes to release your identity and follow Him into a new season.


★★ Here's what we cover: ★★
➡ The story of giving our age, and the miracles we saw.
➡ Why it was harder to stop than to start.
➡ How God shifted us from radical giving to radical saving.
➡ The danger of clinging to formulas instead of clinging to God.
➡ The system we built from this new season (and why it might change the way you think about money forever).
 

This isn’t a “how-to.” It’s an invitation. Ask God: What do you have for me now?
 

★★ Resources Mentioned in this Episode: ★★
➡ Simple Money, Rich Life (our book): https://seedtime.com/free
➡ True Financial Freedom Program: https://seedtime.com/tff
➡ Mission Driven Millionaire Program: https://seedtime.com/mdm
➡ 2 Corinthians 8–9 (Generosity passages, NIV): https://www.biblegateway.com/passage/?search=2+Corinthians+8-9&version=NIV
 


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

28 5

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy4xNjUyOTE5MTRBMzJFRDQ5

Why we stopped “giving our age” When God Changes Your Assignment (And Your Identity)

SeedTime Money Podcast with Bob & Linda Lotich September 8, 2025 9:47 am

This episode was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home. Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it. 


★★ In this episode, we break down 10 money wasters that sneak into your life: ★★
➡ The “panic spending” tax of last-minute takeout.
➡ Subscriptions you forgot to cancel (and how to stop them).
➡ Lifestyle creep from kid activities.
➡ Car payments that keep you trapped.
➡ The invisible investment fees that rob your retirement.
➡ …and much more.
 

If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.
 

★★ Resources Mentioned in this Episode: ★★
➡ Simple Money, Rich Life (Free Copy Offer): https://seedtime.com/free
➡ Visible Wireless (cell phone savings vs. Verizon): https://www.visible.com
➡ eBay (find quality used items): https://www.ebay.com
➡ Facebook Marketplace: https://www.facebook.com/marketplace
➡ HSA & FSA info (IRS guide): https://www.irs.gov/publications/p969
 

We’d love to hear from you! Email us at bob@seedtime.com or linda@seedtime.com with the money wasters you’ve spotted in your own life.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

This video is private.

11 4

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5GMkQ5ODc0ODVFODMwNjM0

ChatGPT says these 10 money wasters are keeping you broke

SeedTime Money Podcast with Bob & Linda Lotich September 2, 2025 10:10 am

What if being “too good” at saving and stewarding money is actually holding you back from obedience to God?

In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would’ve called it foolish—but their “irresponsible obedience” led to one of the most important divine encounters of their lives.


★★ We’ll unpack: ★★
➡ Why sometimes God asks us to spend more instead of saving more
➡ How to know the difference between your desires and the Spirit’s leading
➡ Why true stewardship is less about your wisdom and more about your obedience
➡ Three practical questions to ask when you sense God nudging you to spend beyond reason


If you’ve ever wrestled with the tension between “wise stewardship” and radical obedience, this conversation is for you.


★★ Resources Mentioned: ★★
➡ Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free)
➡ NeeDoh Stress Cubes (yes, our new team obsession 😂) → https://www.schylling.com/brand/needoh/
➡ SeedTime Courses & Community


👉Share this with someone who needs the reminder that obedience always outweighs “responsible” stewardship.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

What if being “too good” at saving and stewarding money is actually holding you back from obedience to God?

In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would’ve called it foolish—but their “irresponsible obedience” led to one of the most important divine encounters of their lives.


?? We’ll unpack: ??
? Why sometimes God asks us to spend more instead of saving more
? How to know the difference between your desires and the Spirit’s leading
? Why true stewardship is less about your wisdom and more about your obedience
? Three practical questions to ask when you sense God nudging you to spend beyond reason


If you’ve ever wrestled with the tension between “wise stewardship” and radical obedience, this conversation is for you.


?? Resources Mentioned: ??
? Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free)
? NeeDoh Stress Cubes (yes, our new team obsession ?) ? https://www.schylling.com/brand/needoh/
? SeedTime Courses & Community


?Share this with someone who needs the reminder that obedience always outweighs “responsible” stewardship.


?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.


?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 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 https://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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

16 4

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5GMkVFQzU1MUIxMThDMjQ5

When God tells you to SPEND more

SeedTime Money Podcast with Bob & Linda Lotich August 24, 2025 11:40 am

What if the reason you're stuck isn't physical... but verbal?

In today’s episode, we’re telling the full, raw, and unfiltered story of how one joking sentence I said over a decade ago blocked something we'd been praying, fasting, and believing for: a child. After 9 years of waiting, trying, and wondering, the Holy Spirit revealed something that shifted everything — not only for our family, but also for how we see our words, faith, and even finances.


★★ Here's what we cover: ★★
➡ The exact prayer that broke a 9-year block (and how quickly God moved after)
➡ Why your words matter more than you think — especially in areas like money, health, and family
➡ How we unknowingly came into agreement with lies — and what the ➡ Bible says about reversing them
➡ Why asking God what you've agreed with might be the most important thing you do today
➡ How this idea translates to your financial situation and mindset

Whether you’re struggling with finances, waiting for a promise, or wondering why certain things never seem to break through — this episode is for you.

 Try This: After listening, ask the Holy Spirit:
“Is there anything I’ve come into agreement with that I need to come out of?”

★★ Resources Mentioned: ★★
➡ Our book: Simple Money, Rich Life — Get your free copy here: http://seedtime.com/free
 ➡ Scripture References:
     Proverbs 18:21
     Mark 11:23
     James 4:3
     John 15:7
     Romans 10:9
     Ezekiel 37
     1 John 5:14–15
     Philippians 4:6

Want to go deeper? Join our newsletter & get weekly encouragements on faith + finances: http://seedtime.com/newsletter


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

What if the reason you're stuck isn't physical... but verbal?

In today’s episode, we’re telling the full, raw, and unfiltered story of how one joking sentence I said over a decade ago blocked something we'd been praying, fasting, and believing for: a child. After 9 years of waiting, trying, and wondering, the Holy Spirit revealed something that shifted everything — not only for our family, but also for how we see our words, faith, and even finances.


?? Here's what we cover: ??
? The exact prayer that broke a 9-year block (and how quickly God moved after)
? Why your words matter more than you think — especially in areas like money, health, and family
? How we unknowingly came into agreement with lies — and what the ? Bible says about reversing them
? Why asking God what you've agreed with might be the most important thing you do today
? How this idea translates to your financial situation and mindset

Whether you’re struggling with finances, waiting for a promise, or wondering why certain things never seem to break through — this episode is for you.

Try This: After listening, ask the Holy Spirit:
“Is there anything I’ve come into agreement with that I need to come out of?”

?? Resources Mentioned: ??
? Our book: Simple Money, Rich Life — Get your free copy here: http://seedtime.com/free
? Scripture References:
Proverbs 18:21
Mark 11:23
James 4:3
John 15:7
Romans 10:9
Ezekiel 37
1 John 5:14–15
Philippians 4:6

Want to go deeper? Join our newsletter & get weekly encouragements on faith + finances: http://seedtime.com/newsletter


?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.


?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 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 https://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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

19 4

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy44QzA1MTlDRDBERERGNDhG

THIS kept us from getting pregnant for 9 years (& how it affects your money)

SeedTime Money Podcast with Bob & Linda Lotich August 9, 2025 5:01 am

When my mom went to heaven, I thought I had faith. But in those next four months… everything changed.

In this episode, I share 5 powerful lessons I learned through the most painful, sacred, and surprising season of my life. If you’ve ever walked through grief or watched someone you love suffer, you already know—there are no easy answers. But there are holy moments, if we look for them.


★★ We Talk About: ★★
➡ What it’s like to see God still working when it doesn’t look like it
➡ The kind of community that actually shows up
➡ The humbling realization that you don’t know everything
➡ How I finally realized: Heaven is the goal
➡ And why prayer—real prayer—is more powerful than I ever imagined


You’ll hear stories about the meals we’ll never forget, the laminated prayer list my dad found in my mom’s journal, and the one question that changed how I see eternity. 

This is one of the most personal, emotional episodes we’ve ever recorded. And if you’re grieving, or have someone in your life who is, I hope this encourages you like only God can. 


★★ Resources Mentioned: ★★
➡ Psalm 91 (read it and pray it daily): https://www.biblegateway.com/passage/?search=Psalm+91
➡ Levi Lusko on grief and gratitude: https://levilusko.com
➡ Get our book for free (just cover shipping): http://seedtime.com/free
➡ Linda Lotich on TikTok (because yeah, she’s amazing): https://www.tiktok.com/@linda.lotich 

🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

When my mom went to heaven, I thought I had faith. But in those next four months… everything changed.

In this episode, I share 5 powerful lessons I learned through the most painful, sacred, and surprising season of my life. If you’ve ever walked through grief or watched someone you love suffer, you already know—there are no easy answers. But there are holy moments, if we look for them.


?? We Talk About: ??
? What it’s like to see God still working when it doesn’t look like it
? The kind of community that actually shows up
? The humbling realization that you don’t know everything
? How I finally realized: Heaven is the goal
? And why prayer—real prayer—is more powerful than I ever imagined


You’ll hear stories about the meals we’ll never forget, the laminated prayer list my dad found in my mom’s journal, and the one question that changed how I see eternity.

This is one of the most personal, emotional episodes we’ve ever recorded. And if you’re grieving, or have someone in your life who is, I hope this encourages you like only God can.


?? Resources Mentioned: ??
? Psalm 91 (read it and pray it daily): https://www.biblegateway.com/passage/?search=Psalm+91
? Levi Lusko on grief and gratitude: https://levilusko.com
? Get our book for free (just cover shipping): http://seedtime.com/free
? Linda Lotich on TikTok (because yeah, she’s amazing): https://www.tiktok.com/@linda.lotich

? Subscribe + share with someone walking through loss. You never know how deeply it might hit them.


?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.


?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 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 https://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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

6 4

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy5FQTk3MjE5N0NBMTU2NjMz

5 things I learned from my mom going to heaven

SeedTime Money Podcast with Bob & Linda Lotich August 2, 2025 5:01 am

What if I told you the same ounce of gold that could buy 400 loaves of bread today… could’ve done the same 2,000 years ago?

In this episode, we break down the ONE chart that completely shifted how I think about saving, inflation, and long-term wealth. I’ve spent over 17 years investing—and I pretty much ignored gold… until this blew my mind.


★★ You'll learn: ★★
➡ Why I now see gold as a defensive asset in our portfolio
➡ How inflation has quietly destroyed the purchasing power of your dollars
➡ The story of bread, gold, and a century of financial erosion
➡ My favorite tool to buy gold automatically with as little as $10
➡ Why I think gold might be the most biblical investment on earth
➡ What we’re doing to protect our family’s future

If you're sitting on too much cash or wondering how to hedge against chaos—you’ll want to hear this.

★★ Resources Mentioned: ★★
➡ OneGold App (Automated Gold Investing) - https://onegold.com/ 
➡ Simple Money, Rich Life – Free Copy: https://seedtime.com/smrl
➡ 10X Investing Course - https://seedtime.com/10x 
➡ Mission Driven Millionaire - https://seedtime.com/mission-driven-millionaire/ 


★★ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime. 


★★ Simple Money, Rich Life ★★
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 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 https://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.


💡 Find out more at https://seedtime.com/

🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
👋 DM us on Instagram http://instagram.com/seedtime
🎙️ Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

What if I told you the same ounce of gold that could buy 400 loaves of bread today… could’ve done the same 2,000 years ago?

In this episode, we break down the ONE chart that completely shifted how I think about saving, inflation, and long-term wealth. I’ve spent over 17 years investing—and I pretty much ignored gold… until this blew my mind.


?? You'll learn: ??
? Why I now see gold as a defensive asset in our portfolio
? How inflation has quietly destroyed the purchasing power of your dollars
? The story of bread, gold, and a century of financial erosion
? My favorite tool to buy gold automatically with as little as $10
? Why I think gold might be the most biblical investment on earth
? What we’re doing to protect our family’s future

If you're sitting on too much cash or wondering how to hedge against chaos—you’ll want to hear this.

?? Resources Mentioned: ??
? OneGold App (Automated Gold Investing) - https://onegold.com/
? Simple Money, Rich Life – Free Copy: https://seedtime.com/smrl
? 10X Investing Course - https://seedtime.com/10x
? Mission Driven Millionaire - https://seedtime.com/mission-driven-millionaire/


?? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram http://instagram.com/seedtime.


?? Simple Money, Rich Life ??
If you haven’t checked out our best-selling book, Simple Money, Rich Life (https://SeedTime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 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 https://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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

12 2

YouTube Video UEx5MFBCb3FPUHNGa1FJdEhVbmVOdG5pUnZhOUNJLTdBVy45QTMxRDQ1Q0FENTI0NkM1

Why I am starting to buy more gold (the 1 chart that changed my mind)

SeedTime Money Podcast with Bob & Linda Lotich July 26, 2025 5:00 am

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Money should never be the goal, but it should be a tool that we can use to fulfill what God has called us to do.

Join us (Bob and Linda Lotich) as we share insights like how to get on the same page as your spouse, how to simplify your money life, tips on how to create a clear plan for achieving your financial goals, and a lot more.

And occasionally we interview guests like John Mark Comer, Mark Batterson, Jamie Winship, Joshua Becker, Annie Downs, Carlos Whittaker, Crystal Paine, Ruth Soukup, and other Christian thought leaders as we seek to connect our faith with our finances.

SeedTime Living Podcast (Christian Money Podcast)

I want to thank you for the podcast you guys brought to life. I can honestly say that I think it has changed my life.

RUAN (PODCAST LISTENER)

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