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The Blog

Crystal Paine Podcast about Buying A House With Cash, Parenting, And Finding Balance

written by Bob Lotich, CEPF® | Biblical Personal Finance

Love Centered Parenting From Crystal Paine

(The following is an abbreviated transcription from the recent Crystal Paine podcast Linda & I recorded. Please excuse any typos or errors.) What would you say if I told you you could buy a house with cash? Seems impossible, right? But, it can be done and you don’t have to be a lottery winner nor […]

How to use credit cards responsibly (Our 3 simple rules)

written by Bob Lotich, CEPF® | Saving Money

How to use credit cards responsibly

When I was in my early 20’s I had no idea how to properly use a credit card – and I definitely didn’t know how to use it responsibly. And as a result my financial life was a mess. Sure, I could blame Visa and Mastercard, but the truth was that it was my fault. […]

How To Find The Best Price For All The Stuff You Buy

written by Bob Lotich, CEPF® | Saving Money

Finding the best everything you're shopping for

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Today we’re talking about how to find the best price for things. This actually comes from a listener question, which I will read.  “When you’re talking about how quick and easy it is to find the […]

Ready To Split With Your Spouse? [read this first]

written by Bob Lotich, CEPF® | Biblical Personal Finance, Managing Money, Money Mistakes

(The following is a transcription from a video I recorded with Toni Nieuwhof. Please excuse any typos or errors.) In this article I’m sharing my interview with Toni Nieuwhof. We chatted about the new book that she wrote. She’s a family law mediator and a former divorce attorney. So, she has a lot of insight […]

The Meaning Of Stewardship

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

The Meaning Of Stewardship

(The following is a transcription from a video I recorded with Marcus Hall. Please excuse any typos or errors.) Today I’m talking with Marcus Hall who wrote the book called Spiritual Wealth. It’s a guide to help you become a better manager of God’s gifts. I like how he said there’s a 40 day journey […]

TurboTax vs Credit Karma Tax: Which is better?

written by Bob Lotich, CEPF® | Saving Money

Turbo Tax Vs Credit Karma Tax

Nearly 50% of all Americans prepare and file their own taxes each year. This number is increasing because tax preparation software like Credit Karma Tax and TurboTax 2020 are reducing the barriers to self-prepared returns. But, which is better – Credit Karma Tax or TurboTax 2020? It depends.  Credit Karma Tax is better if: You […]

Habits Of The Truly Successful With Mark Batterson

written by Bob Lotich, CEPF® | Career & Work, Entrepreneurship, Productivity

Learn the habits of the truly successful with Mark Batterson, as we discuss his new book Win The Day!

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) Today, I am sitting down with Mark Batterson, who is a prolific writer. And I am super excited to share our conversation with you! He is actually a New York Times bestselling author of over 20 books. One of […]

How This Couple Paid Off $52k In 7 Months

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

How This Couple Paid Off 52k In 7 Months

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today Linda and I are talking with some friends of ours (Chris and Andrea Petrie), whom we met last October, and they have a really cool story that we want to share with you. They paid off […]

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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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