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The Blog

Being Satisfied With What We Have

written by Joe | Biblical Personal Finance

satisfied with what we have

How does the phrase “be satisfied with what you have” strike you? I confess that it bothers me. I might be a pretty content guy, but the idea of being satisfied with what I have implies that I shouldn’t be hoping for more . . . a nicer house or a more dependable car or […]

Why marriage is the best financial move [with Chuck Bentley]

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

marriage and money

I recently sat down with Chuck Bentley, CEO of Crown Financial, to chat and he shared some great advice on marriage and finances. You can watch the video or read the full transcription below. Bob Lotich: Hey everybody, I am excited today because I have Chuck Bentley here, the CEO of Crown Financial, which is […]

3 Keys to Making REAL Money (that Few Are Doing)

written by Bob Lotich, CEPF® | Making Money

3 keys to making money

There are three keys to making money in the 21st century. 50 years ago—even 20 years ago—you could get by with one or two of these keys, but things are different now. Elsewhere on SeedTime, we have articles on how to find at-home jobs, side hustles, and other kinds of jobs that are great if […]

10 Money Tips For Graduates

written by Craig Ford | Biblical Personal Finance, Debt Help, Managing Money

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

How to feed the entire world from just one apple (in 28 years)

written by Bob Lotich, CEPF® | Biblical Personal Finance

How to feed the ENTIRE world with just a single apple

Einstein was wrong. It’s a rare day when I get to point out that Einstein was wrong about something, but here we go. Einstein is often quoted as saying: “The power of compound interest is the most powerful force in the universe.” Albert Einstein And he wasn’t just wrong with the obvious rebuttal that God […]

Should You Invest When You’re in Debt?

written by Bob Lotich, CEPF® | Saving Money

This question came from a reader the other day. He said: “I just watched your recent investing videos. What are your thoughts about investing while in debt? We’ve been going crazy paying off our debt, which has been great, but then I see other things that make me wonder if I’m missing out on some […]

A free savings goal calculator

written by Bob Lotich, CEPF® | Budgeting

link by prudential

I’ll be honest. I get contacted multiple times a day from various companies wanting to advertise on SeedTime or wanting us to promote “their thing”. And 99.9% of them get the delete button. Not all of them are bad (though many are), but I only work with advertisers that have products that I am actually […]

How we saved 75% off our vacation this year

written by Bob Lotich, CEPF® | Saving Money

vacation rentals

I wrote this article article a few years ago, but it has been updated for 2019. This February I took off for what we called a bit of a sabbatical rather than a vacation. But either way, it was great. We rented a condo on the beach and it was SO much cheaper than the […]

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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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