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The Blog

The Legacy Journey Summary & Notes (by Dave Ramsey)

written by Randy Petrick, ChFC & SeedTime | Book Summaries

The Legacy Journey

Dave Ramsey’s “The Legacy Journey” is a highly acclaimed and widely celebrated book that goes far beyond offering basic financial advice. It delves deeply into the profound impact that wealth can have on an individual’s lasting legacy, making it a truly exceptional and invaluable resource. This book not only provides practical wisdom on managing finances, […]

Little Instruction Book on Managing Your Money by Larry Burkett (Book Review)

written by Randy Petrick, ChFC & SeedTime | Book Summaries

This book by Larry Burkett is a well-regarded resource in Christian financial circles, blending biblical wisdom with practical financial advice, especially for families and individuals seeking to manage their money in a faith-aligned manner. Book Details: About the Author: Larry Burkett was an esteemed Christian financial advisor and author, known for his ability to integrate […]

How to use a no-spend challenge to pay off debt and save (with Frugal Friends)

written by Bob Lotich, CEPF® | Managing Money, Debt Help, Saving Money

Start a No-Spend Challenge

(The following is an abbreviated transcription from a podcast Linda and I recorded with Frugal Friends Jen Smith and Jill Siriani. Please excuse any typos or errors.) Today we are chatting with Jen Smith and Jill Siriani (hosts of The Frugal Friends podcast). Jen is the author of a best-selling book on Amazon called The […]

The Bubble Taurus & the lessons learned

written by Bob Lotich, CEPF® | Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) This is the story behind the infamous Bubble Taurus (as referenced in Chapter 9 of our book Simple Money, Rich Life) and 3 life-changing lessons that I learned. Now, you may have heard me talk about […]

Why Money Doesn’t Solve Most Money Problems

written by Bob Lotich, CEPF® | Debt Help, Money Mistakes

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

“The plan” crypto bot review (5 months later & my results)

written by Bob Lotich, CEPF® | Making Money

I recently did a review of my results of this new Crypto bots experiment using “The Plan” by Dan Hollings that I’ve been doing for the last 5 months. You can watch the full video below or keep reading for the transcription. (The following is an abbreviated transcription from a video I recorded on May […]

How to make your kid a millionaire [by employing them in your business]

written by Bob Lotich, CEPF® | Investing, Career & Work, Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) What would you say if I told you that you could set your kid up for millionaire status? You can. Especially if you own your own business. In this article you will see how you can […]

Jordan Grumet: A hospice doctor’s advice on spending, saving, and living life to the full

written by Bob Lotich, CEPF® | Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded with Jordan Grumet. Please excuse any typos or errors.) Jordan Grumet (our new Jewish friend) is an MD (hospice doctor), host of the award-winning podcast Earn and Invest and an author. His new book is called Taking Stock: A Hospice Doctor’s Advice […]

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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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