• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

Cherie

Why Your Teenager Should Have a Roth IRA

written by Cherie | Investing, Managing Money

why your teenager should have a roth ira

Retirement planning for a 14 year old? Sounds like a crazy idea. But look closely at the math and you’ll realize those small contributions grow the most.

What is Gross vs. Net Income?

written by Cherie | Budgeting, Career & Work, Managing Money

Quickly, how would you would answer this question: "What's your income?" Did you think about the amount of your payday deposit? Did you think about the amount on your income tax return for the year? One is your net income and the other is your gross income. Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.

Quickly, how would you would answer this question: “What’s your income?” Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.

How to Calculate Your Real Hourly Wage

written by Cherie | Career & Work, Entrepreneurship

Wages

Have you ever calculated your real hourly wage? You might be surprised! Once you find it out, you can use that information to make some adjustments in your personal and financial life that will result in real change.

How to Manage Money as a College Student

written by Cherie | Managing Money, Saving Money

College Student with Money

Campuses are gearing up for fresh-faced freshmen and returning students this fall. Many college students have a limited amount of money — along with limited experience in managing money. But the opportunities to spend are unlimited! Here are some tips for managing your money as a college student . . . .

Primary Sidebar

Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

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.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Shop
  • For Churches
  • Press
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)