As a couple, we (Bob and Linda) do our best to make wise financial decisions. After all, we write and speak about this stuff for a living. So, even though it’s hard to admit it, we’ve definitely done some dumb things with our money! One caveat though: What’s dumb for one person may be smart […]
How to calculate your real hourly wage
I am currently reading Your Money or Your Life — which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.
The 5 best Dave Ramsey quotes
I live in the same hometown as Dave Ramsey, and it seems like every other person I meet here works for Ramsey Solutions. But my admiration goes beyond my proximity to his home office. I’ve read his books, watched several of his videos, and even gone through his transformative course, Financial Peace University. Dave has […]
3 Surprising Things Jesus Said About Money
(The following is a transcription from a video I recorded. Please excuse any typos or errors.) Before we begin, I want to give a hat tip to crosswalk.com. That’s where I found the inspiration for this article. Click to view their original article. If you’re new to the SeedTime Family, welcome! What we do here […]
10 in-demand jobs I would go after if I were starting over
Sometimes I wonder what I would do if I had to start my career from scratch today. Fortunately, I’ve discovered ten in-demand jobs or entrepreneurial ventures that: Will likely remain in demand for years to come. Are in thriving, not dying, industries. Require some skill plus a modest investment in education for those who want […]
Why marriage is the best financial move [with Chuck Bentley]
I recently sat down with Chuck Bentley, CEO of Crown Financial, to chat and he shared some great advice on marriage and finances. You can watch the video or read the full transcription below. Bob Lotich: Hey everybody, I am excited today because I have Chuck Bentley here, the CEO of Crown Financial, which is […]
3 Keys to Making REAL Money (that Few Are Doing)
There are three keys to making money in the 21st century. 50 years ago—even 20 years ago—you could get by with one or two of these keys, but things are different now. Elsewhere on SeedTime, we have articles on how to find at-home jobs, side hustles, and other kinds of jobs that are great if […]
How to feed the entire world from just one apple (in 28 years)
Einstein was wrong. It’s a rare day when I get to point out that Einstein was wrong about something, but here we go. Einstein is often quoted as saying: “The power of compound interest is the most powerful force in the universe.” Albert Einstein And he wasn’t just wrong with the obvious rebuttal that God […]
