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The Blog

If It Weren’t For THIS, We’d Be Devastated Financially

written by Bob Lotich, CEPF® | Budgeting

financial lesson

So I remember my first real job, I remember a really important financial lesson that I learned shortly after I started this job. So I had been working about 9 or 10 months and then had an annual review with my boss and I was called into her office. She ends up telling me, “Bob, […]

12 Side Hustles That Pay Well

written by Bob Lotich, CEPF® | Making Money

Could you use some extra cash? There’s never been a better time to make some extra income on the side!  I have researched several possibilities, I have even tried some myself, and want to share with you 12 different side hustles that you can do that actually will generate a decent amount of earnings for you in […]

Our 5 Worst Money Mistakes

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

worst money mistakes

As a couple, we (Bob and Linda) do our best to make wise financial decisions. After all, we write and speak about this stuff for a living. So, even though it’s hard to admit it, we’ve definitely done some dumb things with our money! One caveat though: What’s dumb for one person may be smart […]

How to calculate your real hourly wage

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

Ways to save money

I am currently reading Your Money or Your Life — which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.

The 5 best Dave Ramsey quotes

written by Bob Lotich, CEPF® | Saving Money

best dave ramsey quotes

I live in the same hometown as Dave Ramsey, and it seems like every other person I meet here works for Ramsey Solutions. But my admiration goes beyond my proximity to his home office. I’ve read his books, watched several of his videos, and even gone through his transformative course, Financial Peace University. Dave has […]

What does the Bible say about greed?

written by Laura Wales | Biblical Personal Finance

The Bible is full of instructions from God about money and finances. And of course, we want to look to the Bible first as we consider the financial blueprint that God has outlined for us. One aspect to consider is what the Bible says about greed. The dictionary defines greed as “a selfish and excessive […]

3 Surprising Things Jesus Said About Money

written by Bob Lotich, CEPF® | Biblical Personal Finance

3 Surprising Things Jesus Said About Money

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) Before we begin, I want to give a hat tip to crosswalk.com. That’s where I found the inspiration for this article. Click to view their original article. If you’re new to the SeedTime Family, welcome! What we do here […]

10 in-demand jobs I would go after if I were starting over

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

in-demand jobs

Sometimes I wonder what I would do if I had to start my career from scratch today. Fortunately, I’ve discovered ten in-demand jobs or entrepreneurial ventures that: Will likely remain in demand for years to come. Are in thriving, not dying, industries. Require some skill plus a modest investment in education for those who want […]

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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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