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Bob Lotich, CEPF®

Overcoming discouragement when your dreams seem impossible

written by Bob Lotich, CEPF® | Biblical Personal Finance, Career & Work

nothing is impossible with God

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) So I remember when we were first getting started getting our finances in order. And just thought that once we had our debt paid off, once we had certain amount in savings, once whatever… we had […]

How to make giving fun (and easier)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) So, this weekend we were asked to give the offering message at our church. And we were praying about what to talk about since Linda and I were giving the offering message together. Ultimately, we decided […]

Upside App review (to save money on gas)

written by Bob Lotich, CEPF® | Saving Money

Ok so we all know gas prices are insane and so everyone is trying to save money on gas by doing any number of crazy things. Well, every once in a while I come across an app that is so helpful that I just have to share it with you, and today is one of […]

Should I only have cash because end times are near?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Investing, Managing Money

Cash only or Invest to prepare in uncertain times

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) I received a question from a member of our SeedTime community that I wanted to share. The gist of it is this, should I just have everything in cash because the world is going to come […]

Free state income tax filing (5 ways to file free)

written by Bob Lotich, CEPF® | Saving Money

5 free ways to file your STATE taxes for FREE. It is pretty easy to find a free FEDERAL option, but filing state taxes for free can be tough to find.

It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. Here’s what I found . . . .

The 3 types of tithing in the Bible, and the 2 you shouldn’t do

written by Bob Lotich, CEPF® | Biblical Personal Finance

tithing as worship

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) So the other night, Linda and I were teaching our six-week financial class called True Financial Freedom. We’re on week two with our awesome students. And we do a little Q&A at the end of each […]

Why I am not ANTI credit cards

written by Bob Lotich, CEPF® | Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) Everybody knows that Dave Ramsey hates credit cards. And it’s funny, because people just assume that I feel the same way. However, we don’t share the same credit card philosophy. I’m not ANTI credit cards, just […]

Crypto. The future? A hyped bubble? & a look at how I am investing in it

written by Bob Lotich, CEPF® | Saving Money

I recently sent out an email to our subscribers sharing a new investing strategy I am testing out and like usual when a new/unfamiliar idea is presented there are some naysayers… And this wasn’t really an email that I thought was controversial in the least. It was basically an email explaining that I view my […]

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