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The Blog

MediShare vs Samaritan Ministries

written by Bob Lotich, CEPF® | Saving Money

Medi-Share vs Samaritan Ministries

If you are trying to decide between Medi-Share (CCM) or Samaritan Ministries for your Christian health sharing ministry, then this article for you. Join Wes Strunk and I as we discuss these two Christian healthcare alternatives. Wes (a Samaritan member) and I (a Medi-Share member) discuss our experiences with Medi-Share vs Samaritan Health Ministries. We […]

Budgeting: 5 limiting beliefs

written by Bob Lotich, CEPF® | Budgeting

Limiting beliefs are powerful. They can keep us from taking action, even when deep down we know our situation needs to change. We can read all the books, listen to all the podcasts, and follow all the brand-name advice – but still be in bondage financially because of beliefs rooted in our hearts. These beliefs […]

The problem with “The Sound of Freedom” that we should be talking about…

written by Bob Lotich, CEPF® | Biblical Personal Finance

Have you seen “the Sound of Freedom” yet? Well, we just saw it and there is something we all need to be talking about with it. But first, let me take you back a few years… About 5 years ago Linda and I were on our way out of town to go on a much […]

Financial Peace book summary by Dave Ramsey

written by Randy Petrick, ChFC & SeedTime | Book Summaries

Financial Peace by Dave Ramsey

Explore the fundamental lessons and insights from Dave Ramsey’s Financial Peace in this comprehensive book review

Relay Bank Review

written by Bob Lotich, CEPF® | Entrepreneurship

Ok, I keep getting asked about the business bank account that we use… These are just 2 in the last week… And, honestly, I feel like I get this question all the time, so let’s chat… I haven’t liked many business checking accounts. In the last 16 years, I have had quite a few business […]

Giving and Tithing by Larry Burkett (Book Summary)

written by Randy Petrick, ChFC & SeedTime | Book Summaries

Giving and Tithing

Larry Burkett’s “Giving and Tithing” is renowned for its practical and biblically grounded approach to managing finances in a way that honors God. This booklet has garnered attention for its straightforward advice and applicability to everyday financial decisions, especially for Christian readers. Book Details: About the Author: Larry Burkett was a respected Christian financial advisor […]

$2k Giveaway! Celebrating 1 year!

written by Bob Lotich, CEPF® | Saving Money

Get out the confetti cause we are celebrating over here! Simple Money, Rich Life is a year old! The last year has been so amazing with what God has done through this little book in our community (and beyond)! Linda and I are so thankful for your stories you have shared and could not be […]

Storing up treasures in heaven (the Bible verses)

written by Bob Lotich, CEPF® | Biblical Personal Finance

I am convinced that we are all just absolutely not catching the gravity of this concept of storing up treasures in heaven and if we did, we’d be living our lives a lot differently. So I just did a little research pulling out the specific Bible verses and scriptures that reference this whole treasure in […]

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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.

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