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Bob Lotich, CEPF®

How to become a millionaire by investing [& turn $2k into $1 mil]

written by Bob Lotich, CEPF® | Investing

There’s a secret that the financial industry doesn’t want us to know. And it’s that becoming a millionaire… it’s actually really easy. Let me start you out with something mind-blowing. If your parents would have invested $2,000 at your birth into the S&P 500 and never did anything else, you’d likely have a million dollars […]

It’s been hard keeping this secret…

written by Bob Lotich, CEPF® | Announcements

Simple Money Rich Life

3 years ago (almost to the day) I started out on a journey that God called me to. I had been asked by publishers to write a book multiple times over the last 15 years, but I knew the timing just wasn’t right. I didn’t want to just add to the noise, but I wanted […]

Making a living off passive income in < 2 years

written by Bob Lotich, CEPF® | Passive Income, Making Money

how to live off passive income

If you have been part of the SeedTime family for a while you know some of our story. You might know that my financial story began when I was stranded 1,000 miles from home in debt up to my eyeballs with only $7 to my name. And out of that and through a series of […]

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 . . . .

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The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.


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