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Bob Lotich, CEPF®

How I helped this student save $500,000 [in under an hour]

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

How I helped this student save $500,000

I know this title sounds unbelievable. And I am not sure I believe it either, but this was an email I got the other day… He brings up a good point that most people never think about… Those hidden fees in your investments in your 401k, 403b, or IRAs can easily cost you more than […]

The 4 Biggest Money Secrets of Millionaires (that most people misunderstand)

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

The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors. Have you ever wondered about millionaires, and what their money secrets are that “normal” people don’t get? In this article we’re diving into some super cool stuff– the 4 biggest money secrets of millionaires that most people […]

The 4 red flags of the Tranzact debit card

written by Bob Lotich, CEPF® | Managing Money

I have been getting emails from a bunch of readers asking for us to do a Tranzact debit card review wanting to know what I think about the Tranzact rewards card. If you haven’t heard, basically, it is a debit card with a positive social impact that provides “Z-Bucks” that can be used to buy […]

Do you have to be smart to be a millionaire?

written by Bob Lotich, CEPF® | Wealth Secrets, Managing Money

Have you ever assumed that smarter people are wealthier than the rest of us? Well, I recently found this study that has been blowing my mind. The first part of it confirmed that smarter people do actually earn more – an average of $425 per IQ point. And I don’t think most of us are […]

What does the Bible say about lending money with interest?

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

There are a variety of questions that come up about whether or not lending money and earning interest is unBiblical. A reader just sent me this question, so I figured it was worth creating an article to share all my thoughts on this topic. Is it okay for Christians to earn interest? Is it a […]

Does God answer ‘selfish prayers’ like paying off debt rather than helping sick kids?

written by Bob Lotich, CEPF® | Biblical Personal Finance

I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while most of you were incredibly supportive, some questioned the intentions or priorities behind it. If you’ve ever wondered why God would answer selfish and “superficial” prayers over what might seem like more critical issues, this is […]

A chicken, a Bible, and a banana tree…

written by Bob Lotich, CEPF® | Announcements

A Chicken, a Bible and a banana tree

What do a chicken, a Bible, and a banana tree have in common? You can Google it, but there is only one thing that I am aware of. And that is… By enrolling in any SeedTime course, you are providing all 3 of them for someone in need. We recently began partnering with World Vision, […]

He interviewed 233 millionaires, and they do this ONE thing from the book of Genesis

written by Bob Lotich, CEPF® | Saving Money

He interviewed 233 Millionaires, and they do this ONE thing from the book of Genesis.

Have you ever wondered how wealthy people got that way? A few years back, Tom Corley did a big study where he interviewed 233 people who became millionaires to find out what they did with their money. What he found out is quite different than what most people believe. It wasn’t winning the lottery, becoming […]

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