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Bob Lotich, CEPF®

Trusting God in Uncertainty: Lessons from Abraham’s Faith Journey

written by Bob Lotich, CEPF® | Biblical Personal Finance

Mystery is a blessing

In a world that craves certainty, we can forget that our God is a God of mystery and wonder. We often cling to the illusion of control, thinking that if we can just plan enough, work hard enough, or gather enough information, we can ensure a certain outcome. But the truth is, God doesn’t always […]

a Biblical Perspective on Interest: What the Bible Really Says About Charging Interest

written by Bob Lotich, CEPF® | Biblical Personal Finance

Is earning interest unbiblical? Discover what the Bible says about charging interest, savings accounts, and financial stewardship with insights from Old and New Testament teachings.

If you have more than $1,000 in your bank account, make these 5 moves

written by Bob Lotich, CEPF® | Investing, Passive Income, Saving Money

7 smart money moves to make today

A recent survey done by Bankrate showed that 56% of Americans have less than $1,000 in their bank account (both savings & checking). Just reaching that $1k milestone is proving to be a significant one in this economy that we find ourselves in. So, if you have, you know it’s a fantastic feeling knowing you’ve […]

Rakuten just paid me $775.60

written by Bob Lotich, CEPF® | Saving Money

The reason for this post is to tell you/remind you about Rakuten – by far the easiest way to potentially save A LOT of money on your Christmas shopping (or any other time as well). It’s called Rakuten (formerly Ebates), and I have been getting checks from them for about 10 years now. In fact, […]

Christian Charitable Giving Guide: 5 Strategies for Effective Christian Giving

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

A Christian’s Guide to Effective Giving: Maximizing Your Impact for God’s Kingdom As followers of Christ, we are called to be good stewards of the resources God has entrusted to us. The Bible teaches us that giving is an essential part of our faith, but it doesn’t just tell us to give—it encourages us to […]

Over-spending isn’t your problem

written by Bob Lotich, CEPF® | Wealth Secrets, Investing

Over-spending probably isn’t your problem. Debt probably isn’t your problem.  The issue almost always lies in our hearts. The truth is, there’s more than enough money in the world to meet our needs… but even if we had it all, “the eyes of man are never satisfied.” We see this in the story of David […]

How to open a crypto Roth IRA

written by Bob Lotich, CEPF® | Investing

One of the first things I started thinking about after I started making my first couple investments in the crypto space (and especially after one of them went up like 15-20x in a matter of two years), I’m like, “huh, it would be really great if I could get this crypto in an IRA.” That […]

Our Honest Medi-Share Review after 14 years

written by Bob Lotich, CEPF® | Saving Money

medishare review

My Medi-Share review below was originally written in 2009 when I was investigating them but has been continually updated (now for 2024) as I‘ve been using them for over 10 years.  Hope it helps!   If you are self-employed like me or are just looking for a Christian health insurance alternative, you may just want to […]

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