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The Blog

You’re Budgeting WRONG If You Do Any Of These 5 Things

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

You're Budgeting WRONG If You Do Any Of These 5 Things

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) For most people, budgeting is a scary word. If you feel that way about budgeting, you might be doing one of these five things wrong (or maybe all of them). When you’re doing any one of […]

Do You Spend Like A Millennial?

written by Bob Lotich, CEPF® | Managing Money

Do You Spend Like a Millennial

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Do you spend like a millennial? I found this study, and it talks about how millennials spend money compared to all other generations. Linda and I technically are millennials. We got in by the skin of […]

4 Passive Income Secrets: 4 Things NO ONE Ever Tells You

written by Bob Lotich, CEPF® | Making Money

Passive Income 4 Things No One Ever Tells You

(The following is an abbreviated transcription from a video I recorded. Please excuse any typos or errors.) As someone who has had multiple streams of passive income for the last 10+ years, I am always frustrated at all the passive income articles and videos out there. Most of them seem to be hiding the truth […]

How We Paid Off Our House In 3 Years

written by Bob Lotich, CEPF® | Managing Money

How We Paid Off Our House In 3 Years

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) We paid off our house in 35 months. That is just under 3 years. And so Linda and I decided we wanted to sit down and analyze how we did it and what the keys were to […]

Should you tithe while paying off debt?

written by Bob Lotich, CEPF® | Biblical Personal Finance

Should you tithe while paying off debt

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) One of the questions I get a lot is, “Should I tithe while I’m paying off my debt?” This is a great question that is not easy to answer. In help with answering this, I want to bring in […]

You’re Burning Your Hard-Earned Money If You Do These 8 Things

written by Bob Lotich, CEPF® | Money Mistakes

You're Burning Your Hard-Earned Money If You Do These 8 Things

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) You’re burning your hard earned money if you do these eight things often. Are you doing these eight things? I hope not. So, we just found this article and haven’t read through it to know what these […]

Christian Minimalism? Was Jesus a Minimalist?

written by Bob Lotich, CEPF® | Saving Money

Christian Minimalism? Was Jesus a Minimalist?

(The following is a transcription from a video Joshua Becker and I recorded. Please excuse any typos or errors.) So was Jesus a minimalist? Jesus and minimalism is what we’re talking about in this article. I’m interviewing my good friend, Joshua Becker. He is of of the leading voices of minimalism. I encourage you to […]

How To Stick To A Budget (+10 Budgeting Tips)

written by Bob Lotich, CEPF® | Budgeting

How to sick to a budget 10 budgeting tips and tricks

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) All right. Today, we’re talking about 10 incredibly useful hacks to stick with your budgets. And, I’m really excited to share them with you. We have really honed in on what it takes to have a budget […]

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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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