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The Blog

The 4 Money Skills: What They Never Taught You in School

written by Bob Lotich, CEPF® | Managing Money

truth about money

You’ve probably noticed something strange about money. Despite spending 12+ years in school learning about everything from algebra to ancient history, most of us graduate without ever learning one of life’s most essential skills: Money. Think about that for a second. We spend years learning how to diagram sentences and calculate geometric angles, but somehow […]

Biblical Contentment: The Surprising Power of Wanting Less & a Biblical perspective

written by Bob Lotich, CEPF® | Biblical Personal Finance

What Ancient Rome and the Bible can Teach Us About True Financial Freedom and contentment Yesterday I read a chapter from Ryan Holiday’s Discipline is Destiny that helped me put to words something that I have been thinking on for years. There’s a particular kind of power that comes from being content with little. It’s […]

Should You Tithe On Business Income?

written by Bob Lotich, CEPF® | Biblical Personal Finance

A Business Owner’s Guide to Tithing As a Christian business owner, understanding how to honor God with your business finances can often feel complex. One of the most common questions I receive is about tithing on business income – should you tithe on revenue, profits, or just your personal income from the business? This question […]

Streets of Gold in Heaven: What They Reveal About God’s Provision

written by Bob Lotich, CEPF® | Biblical Personal Finance

Have you ever stopped to really think about the streets of gold in heaven? Not just as a nice mental picture, but what it actually reveals about God’s heart and His abundance? Recently, I was talking with Linda about this, and it hit me in a fresh way that completely transformed how I view God’s […]

Is Paying Off Your Mortgage Early Possible? Here’s How We Did It In 3 Years

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

How We Paid Off Our Mortgage in 3 Years: 5 Unconventional Steps We Took I know it feels nearly impossible to even buy a house these days, let alone dream about paying it off early. But even if you barely scraped together enough for that down payment, I don’t want you to fall for the […]

37x your finances in minutes per day

written by Dylan | Wealth Secrets

Here’s something that could make a massive difference in your finances in just a few minutes per day: Best-selling author and habit-building expert James Clear found that improving by just 1% each day makes you 37 times better over a year. In financial terms, even doubling your AUM (or net worth) would be just a 2x improvement. So 37x? […]

Does God care about your finances?

written by Bob Lotich, CEPF® | Biblical Personal Finance

I got this question from a reader the other day that I have gotten enough times that I thought it was worth addressing. The question, “Does God care about my finances?” often comes from a place of deep pain and struggle. When the bills are piling up, health challenges strike, and it feels like you’re […]

Gold vs Inflation: How gold protects your money (and why I am buying more)

written by Bob Lotich, CEPF® | Investing

How Gold Protects Your Money’s Value (While the Dollar Doesn’t) I have invested/owned gold for probably about 10 years at this point. Probably 5% of our investments have been in gold, but if I am honest, I only really did it because it was what I understood to be part of a “balanced” portfolio. It […]

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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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