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The Blog

We took a 30-day sabbatical. These are the 5 surprising lessons we learned…

written by Bob Lotich, CEPF® | Career & Work

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) My wife Linda and I just got back from our sabbatical and it looked a little bit different for both of us. But for me, I didn’t do any work for 30 days, no email and no […]

5 Used Car Buying Tips: My Exact Strategy That Has Saved Me Over $10k

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

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) So, we just bought a minivan. I can’t believe I’m smiling saying that. My wife and I kind of swore off ever having a minivan. But now, we are really happy about it. It’s pretty cool. Once […]

How to earn $175/month with credit cards (Tax-Free!)

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

earn cashback with credit cards

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) We had a reader, one of our readers, one of our really smart readers reached out and sent me an email of how she generates $175 a month using her credit cards. She earns less than $500 […]

The Lie I Wish I Would Have Never Believed About Money

written by Bob Lotich, CEPF® | Biblical Personal Finance, Career & Work, Entrepreneurship, Investing, Money Mistakes

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) There’s a lie that most of the world believes. And it’s that BIG things are born BIG. That The Beatles were always an amazing rock band, or that Michael Jordan was always a great basketball player, or […]

How to Discover the Work You Were Created For (with Jordan Raynor)

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

Have you ever wondered how you can discover the work you were created for? This is exactly the topic we’re tackling in this article. I recently interviewed Jordan Raynor, the bestselling author of Called to Create, which I read a couple years ago and I loved it. And I had the opportunity of running into […]

The Unlikely Money Change That Helped Our Marriage

written by Bob Lotich, CEPF® | Budgeting

marriage

Linda and I have been married for 14 years. In the beginning of our marriage, we struggled with our finances. And, we were definitely not on the same page when it came to money. This rings true to many married couples out there. The joining of two lives also means the joining two potentially different […]

10 Free Household Budget Spreadsheets

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

Free budgeting spreadsheet

Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…

Our 10 most popular videos of last year

written by Bob Lotich, CEPF® | Entrepreneurship

We thank you for being a part of our SeedTime family! If you’re new here, our mission is for you to learn what school and church never taught you about money. No matter if you’re new to SeedTime or if you’re a long time reader, we’ve compiled Our Top 10 Videos of 2019 (from our […]

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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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