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Bob Lotich, CEPF®

Biblical Contentment: The Surprising Power of Wanting Less & a Biblical perspective

written by Bob Lotich, CEPF® | Biblical Personal Finance

What Ancient Rome and the Bible can Teach Us About True Financial Freedom and contentment Yesterday I read a chapter from Ryan Holiday’s Discipline is Destiny that helped me put to words something that I have been thinking on for years. There’s a particular kind of power that comes from being content with little. It’s […]

Should You Tithe On Business Income?

written by Bob Lotich, CEPF® | Biblical Personal Finance

A Business Owner’s Guide to Tithing As a Christian business owner, understanding how to honor God with your business finances can often feel complex. One of the most common questions I receive is about tithing on business income – should you tithe on revenue, profits, or just your personal income from the business? This question […]

Streets of Gold in Heaven: What They Reveal About God’s Provision

written by Bob Lotich, CEPF® | Biblical Personal Finance

Have you ever stopped to really think about the streets of gold in heaven? Not just as a nice mental picture, but what it actually reveals about God’s heart and His abundance? Recently, I was talking with Linda about this, and it hit me in a fresh way that completely transformed how I view God’s […]

Is Paying Off Your Mortgage Early Possible? Here’s How We Did It In 3 Years

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

How We Paid Off Our Mortgage in 3 Years: 5 Unconventional Steps We Took I know it feels nearly impossible to even buy a house these days, let alone dream about paying it off early. But even if you barely scraped together enough for that down payment, I don’t want you to fall for the […]

Does God care about your finances?

written by Bob Lotich, CEPF® | Biblical Personal Finance

I got this question from a reader the other day that I have gotten enough times that I thought it was worth addressing. The question, “Does God care about my finances?” often comes from a place of deep pain and struggle. When the bills are piling up, health challenges strike, and it feels like you’re […]

Gold vs Inflation: How gold protects your money (and why I am buying more)

written by Bob Lotich, CEPF® | Investing

How Gold Protects Your Money’s Value (While the Dollar Doesn’t) I have invested/owned gold for probably about 10 years at this point. Probably 5% of our investments have been in gold, but if I am honest, I only really did it because it was what I understood to be part of a “balanced” portfolio. It […]

Satan’s 10-step plan for your finances

written by Bob Lotich, CEPF® | Biblical Personal Finance

C.S. Lewis’ ‘Screwtape Letters’ is one of my favorite books. And if you don’t know the premise, it is essentially one demon coaching another on how to be most effective in their work. With that in mind, I decided to ask ChatGPT (the world’s leading AI) to roleplay as Satan and how it would go […]

The power of prayer: 10 Prayer Warriors Who Prayed for Hours Each Day

written by Bob Lotich, CEPF® | Saving Money

Have you ever wondered what set apart some of the greatest spiritual leaders in history—those who shook the world with their faith and brought about massive revivals? As I’ve studied their lives, I keep coming back to one undeniable truth: these people were devoted to prayer. Not just a quick prayer before meals or a […]

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