• 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

The Blog

3 shifts to earn & give more

written by Bob Lotich, CEPF® | Saving Money

I still remember the day I made that final mortgage payment. After years of sacrifice and discipline, we’d finally done it. Emergency fund? Check. Budget that actually worked? Check. Room to breathe? Check. I’d reached that promised land of “financial peace” I’d heard so much about. But something strange happened AFTER I reached financial stability… […]

How to Decide Where to Give (When You Can’t Say Yes to Everything)

written by Bob Lotich, CEPF® | Giving

A friend texted me the other day with a question that might sound familiar: “Bob, beyond tithing, how do you decide where to give? I’ve got a friend fundraising for a mission trip, an invitation to a charity breakfast for prison ministry, and I just met someone raising money for a youth organization. They’re all […]

The Hidden Idol That Controls Every Decision You Make

written by Bob Lotich, CEPF® | Saving Money

Think about the last five major decisions you made. Now imagine if someone analyzed each one and revealed that a hidden influence was secretly driving every choice. Not your values. Not your prayers. Not even your logic. But something far more subtle. Jesus Warned Us About This 2,000 Years Ago “No one can serve two […]

First fruits in the Bible: The Scriptures, Meaning, and Biblical Insights

written by Bob Lotich, CEPF® | Biblical Personal Finance

What You Do With the First Determines What Happens With the Rest Have you noticed how the first few minutes of your morning often set the tone for your entire day? It’s not a coincidence. It’s a pattern that shows up everywhere in life—and it’s rooted in one of the most powerful but overlooked principles […]

Secret giving: Should all giving be done in secret?

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

I was sitting across from a friend at lunch when the topic of charitable giving came up. With genuine concern in his voice, he leaned forward and whispered, “You know, you really shouldn’t talk about your giving. Didn’t Jesus said it should be done in secret?” I nodded politely, but inside I was wrestling with […]

The Wealth of the wicked is stored up for the righteous (do we have it all wrong?)

written by Bob Lotich, CEPF® | Biblical Personal Finance

The Hidden Pattern Behind Every Major Wealth Transfer For years, I have had a handful of people in my life reciting Proverbs 13:22, “the wealth of the wicked is stored up for the righteous,” while they seemed to just be standing back and waiting for the check to come. Almost as if it were a promise to […]

The One Question That Gets Nearly Every Pastor in Trouble With Money

written by Bob Lotich, CEPF® | Biblical Personal Finance

There’s a question that haunts the minds of pastors that is rarely talked about publicly. It surfaces during budget meetings, while opening mail containing modest honorariums, and in the quiet moments when they’re reviewing their family finances at the kitchen table. The question isn’t spoken aloud often, but it echoes silently in their thoughts: “Is […]

Christian Financial Curriculums: 5 things to look for in a Christian Financial Class

written by Bob Lotich, CEPF® | Biblical Personal Finance

Considering taking a Christian Financial Class

The Bible has a lot more to say about money than we think… and so going through a Christian Financial Curriculum makes a whole lot of sense as a Jesus-follower. And unlike other Biblical issues, it can be an ever-present worry that touches every area of our lives. It can be hard to ‘enter the […]

  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Interim pages omitted …
  • Go to page 80
  • Go to Next Page »

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
  • Churches
  • Press
  • Shop
  • 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)