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Bob Lotich, CEPF®

I opened 34 credit cards to see which was best. This is what I found…

written by Bob Lotich, CEPF® | Managing Money

The Chase Sapphire Preferred® Card has been around for over a decade and is consistently listed as a top pick for a credit card that gives fantastic rewards. I have personally used it for over 8 years now and it has been the primary card I used to get over 100 hotel nights and 100 […]

Getting out of debt success story: How they paid off over $229K in debt

written by Bob Lotich, CEPF® | Debt Help, Managing Money, Money Mistakes

(The following is an abbreviated transcription from a video Linda & I recorded with Mel & Murph Stewart. Please excuse any typos or errors.) Mel and Murph Stewart (of FitNFunds) have an amazing debt payoff success story. Linda and I were so blown away by their accomplishment that we had to share their feat as […]

How to retire in 10-15 years (the exact math)

written by Bob Lotich, CEPF® | Career & Work, Managing Money

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) In this article we’re talking about how to retire in 10 years, 15 years, or even 5 years. Now this is not easy. I’m going to say that up front. But I’m going to give you […]

What does the Bible say about helping your family financially?

written by Bob Lotich, CEPF® | Biblical Personal Finance

We have all had those moments when a family member asks for money. And if you haven’t, you can bet you will at some point. And if you are anything like me, you want to help because you love them. But you don’t want to make the relationship awkward, and you don’t want to create […]

MediShare Cost Calculator (this is how to get it cheapest)

written by Bob Lotich, CEPF® | Saving Money

(The following is an abbreviated transcription from a video I recorded. Please excuse any typos or errors.) I remember when I first started looking at Medishare, I was clueless as to how much it would cost compared to traditional health insurance. It ended up costing us about 50% less than regular insurance, which was really […]

How to change your money mindset [and think like the wealthy]

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

(The following is an abbreviated transcription from a video Linda & I. Please excuse any typos or errors.) Do you think like a poor person? I found this article on medium.com that states, “if you want to be rich, you need to stop thinking like a poor person.” I read through it, and I don’t […]

Stop Trying So Hard… (and enjoy life more)

written by Bob Lotich, CEPF® | Simplify, Productivity

how to enjoy life more

(The following is an abbreviated transcription from a video Linda & I. Please excuse any typos or errors.) Today we’re going to talk about something that not everyone needs to hear. So this is a tricky one because some people do not need to hear this and shouldn’t hear it. Some people need to hear […]

How to save $1000 (in 1-3 months)

written by Bob Lotich, CEPF® | Saving Money

save 1000 challenge

Maybe you had an emergency come up and you realize you need to save $1,000 this month. Or maybe you are wanting to save a $1,000 emergency fund as soon as possible. Or maybe your friends just invited you on a trip and need some cash to join them. Whatever your reason for wanting to […]

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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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