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Bob Lotich, CEPF®

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 […]

My 5 top essential tools for running my business

written by Bob Lotich, CEPF® | Entrepreneurship

My 5 Top Essential Tools For Running My Business

As a business owner, I get questions A LOT about the tools I use to run my business. So, I thought I would share a few that have REALLY helped me a lot in case they might help you as well. If you’re a business owner, freelancer, or just curious about the tools that we […]

High interest business savings accounts (that actually pay 4% or more)

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

With interest rates on the rise over the last couple years, we have seen lots of personal savings accounts with good interest rates 4%+. But what about business savings accounts? Are there actually any business savings accounts that actually pay well? It turns out that most of them are still paying 0.1% (or basically nothing), […]

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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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