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Bob Lotich, CEPF®

Why I use credit cards instead of debit cards or cash

written by Bob Lotich, CEPF® | Saving Money

why i use credit cards instead of debit cards

The simple truth is that while they cost me a lot of money early in my life in interest charges (because of my bad financial habits), at this point, they save me far more money than I could have ever imagined. This is another one of those articles that I should have written years ago, […]

Fundrise Review: Fundrise vs. My Rental Property

written by Bob Lotich, CEPF® | Investing

Fundrise REinvesting review

Ever since I read Rich Dad, Poor Dad about 15 years ago, I have been itching to get into real estate investing. While I don’t agree with everything in that book and he makes it seem just a little too easy, I do think some of the principles of building wealth with real estate are […]

Bible & Money (3 Practical Tips For Today)

written by Bob Lotich, CEPF® | Biblical Personal Finance

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) The Bible is a wealth of knowledge when it comes to the subject of money. Recently, my wife Linda and I discussed relevant financial advice from God’s word. We created a video that you can view, if […]

Why I took a Sabbatical year (and how I did it)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Popular

my sabbatical walk in the desert

This 7,000 word guide explains why I took a sabbatical year and exactly how I did it, just in case you are wanting to take a sabbatical for yourself.

The only credit card I use for my business

written by Bob Lotich, CEPF® | Entrepreneurship

The best credit card for business if you buf online advertising - because it gives you 3x points on Ad spend!!

I wrote about why we use credit cards and all the ridiculous amount of free travel (hotels and flights) that we have gotten solely from credit card points.  But this post is specifically about my favorite credit card of all-time for anyone who has a business and purchases advertising. So if you run ads on […]

Should Christians save for retirement?

written by Bob Lotich, CEPF® | Biblical Personal Finance

Bible verses about retirement and resting: While the Bible doesn’t seem to have specific verses referring to retirement, it does point out the importance of rest. God, our creator, understands the value of rest and relaxation. That, of course, is why He created Sundays! To add to that… Then, because so many people were coming and going that they did not even have a chance to eat, he said to them, “Come with me by yourselves to a quiet place and get some rest. Mark 6:31

Don’t Miss What God Is Doing In Your Life

written by Bob Lotich, CEPF® | Biblical Personal Finance

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) In 2017, I purchased a Jeep Wrangler. I had been wanting one for 20 years. I even wrote a song about wanting a Jeep Wrangler in high school. It was just something I had been longing for, […]

Why we began giving our age as a percentage

written by Bob Lotich, CEPF® | Biblical Personal Finance, Popular

Why we give our age as a percentage

I can still remember exactly where I was standing in the middle of that field when He dropped it on my heart. I was in my secret place (that wasn’t really that secret).  It was technically a construction site for an upcoming phase in our subdivision high up on a hill. For whatever reason development […]

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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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