• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

The Blog

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 […]

Satan’s 10-step plan for your finances

written by Bob Lotich, CEPF® | Biblical Personal Finance

C.S. Lewis’ ‘Screwtape Letters’ is one of my favorite books. And if you don’t know the premise, it is essentially one demon coaching another on how to be most effective in their work. With that in mind, I decided to ask ChatGPT (the world’s leading AI) to roleplay as Satan and how it would go […]

The power of prayer: 10 Prayer Warriors Who Prayed for Hours Each Day

written by Bob Lotich, CEPF® | Saving Money

Have you ever wondered what set apart some of the greatest spiritual leaders in history—those who shook the world with their faith and brought about massive revivals? As I’ve studied their lives, I keep coming back to one undeniable truth: these people were devoted to prayer. Not just a quick prayer before meals or a […]

Trusting God in Uncertainty: Lessons from Abraham’s Faith Journey

written by Bob Lotich, CEPF® | Biblical Personal Finance

Mystery is a blessing

In a world that craves certainty, we can forget that our God is a God of mystery and wonder. We often cling to the illusion of control, thinking that if we can just plan enough, work hard enough, or gather enough information, we can ensure a certain outcome. But the truth is, God doesn’t always […]

  • « Go to Previous Page
  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Go to page 4
  • Go to page 5
  • Interim pages omitted …
  • Go to page 81
  • Go to Next Page »

Primary Sidebar

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.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime logo



SeedTime BBB Business Review
seedtime instagram seedtime youtube channel seedtime twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Churches
  • Press
  • Shop
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)