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The Blog

My Checklist To Financial Freedom (PDF)

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

my checklist to financial freedom

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

Hiding purchases from your spouse? [Read this]

written by Bob Lotich, CEPF® | Saving Money, Budgeting, Managing Money, Money Mistakes

how to stop hiding purchases from your spouse

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Are you hiding purchases from your spouse? Or, is this something your spouse may be doing? Have you seen those memes where they are hiding the FedEx deliveries? The FedEx guy shows up and you are […]

Should Christians chase financial independence (FIRE)?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Making Money, Saving Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today we are talking about financial independence, retiring early, and whether or not this is what Christians should be chasing after. Have you heard of F.I.R.E. before?  In case you haven’t heard of this term, that’s […]

I opened 34 credit cards to see which was best. This is what I found…

written by Bob Lotich, CEPF® | Managing Money

The Chase Sapphire Preferred® Card has been around for over a decade and is consistently listed as a top pick for a credit card that gives fantastic rewards. I have personally used it for over 8 years now and it has been the primary card I used to get over 100 hotel nights and 100 […]

Getting out of debt success story: How they paid off over $229K in debt

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

(The following is an abbreviated transcription from a video Linda & I recorded with Mel & Murph Stewart. Please excuse any typos or errors.) Mel and Murph Stewart (of FitNFunds) have an amazing debt payoff success story. Linda and I were so blown away by their accomplishment that we had to share their feat as […]

How to retire in 10-15 years (the exact math)

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

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) In this article we’re talking about how to retire in 10 years, 15 years, or even 5 years. Now this is not easy. I’m going to say that up front. But I’m going to give you […]

What does the Bible say about helping your family financially?

written by Bob Lotich, CEPF® | Biblical Personal Finance

We have all had those moments when a family member asks for money. And if you haven’t, you can bet you will at some point. And if you are anything like me, you want to help because you love them. But you don’t want to make the relationship awkward, and you don’t want to create […]

MediShare Cost Calculator (this is how to get it cheapest)

written by Bob Lotich, CEPF® | Saving Money

(The following is an abbreviated transcription from a video I recorded. Please excuse any typos or errors.) I remember when I first started looking at Medishare, I was clueless as to how much it would cost compared to traditional health insurance. It ended up costing us about 50% less than regular insurance, which was really […]

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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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