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Bob Lotich, CEPF®

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 […]

Medishare $100 Sign Up Bonus

written by Bob Lotich, CEPF® | Announcements

$40 Medishare signup bonus

Officially speaking Medishare isn’t currently offering a signup bonus for their new members. However, they do offer referral bonuses to current members when they refer other members. So, I’d love to share my referral bonus with you and send you a $100 Amazon gift card. Sound good? Here’s how it works

30 things EVERYONE should know about money by age 30

written by Bob Lotich, CEPF® | Biblical Personal Finance

As teens, we are told to study hard so we can get a good job. As 20-somethings, we begin navigating financial independence for the first time. And leading up to our 30s, many of us hope to have finally “figured it out.” But, as you know, money is more complicated than simply earning a paycheck… […]

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 […]

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