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The Blog

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 […]

a Biblical Perspective on Interest: What the Bible Really Says About Charging Interest

written by Bob Lotich, CEPF® | Biblical Personal Finance

Is earning interest unbiblical? Discover what the Bible says about charging interest, savings accounts, and financial stewardship with insights from Old and New Testament teachings.

If you have more than $1,000 in your bank account, make these 5 moves

written by Bob Lotich, CEPF® | Investing, Passive Income, Saving Money

7 smart money moves to make today

A recent survey done by Bankrate showed that 56% of Americans have less than $1,000 in their bank account (both savings & checking). Just reaching that $1k milestone is proving to be a significant one in this economy that we find ourselves in. So, if you have, you know it’s a fantastic feeling knowing you’ve […]

Rakuten just paid me $775.60

written by Bob Lotich, CEPF® | Saving Money

The reason for this post is to tell you/remind you about Rakuten – by far the easiest way to potentially save A LOT of money on your Christmas shopping (or any other time as well). It’s called Rakuten (formerly Ebates), and I have been getting checks from them for about 10 years now. In fact, […]

Christian Charitable Giving Guide: 5 Strategies for Effective Christian Giving

written by Bob Lotich, CEPF® | Biblical Personal Finance, Giving

A Christian’s Guide to Effective Giving: Maximizing Your Impact for God’s Kingdom As followers of Christ, we are called to be good stewards of the resources God has entrusted to us. The Bible teaches us that giving is an essential part of our faith, but it doesn’t just tell us to give—it encourages us to […]

Over-spending isn’t your problem

written by Bob Lotich, CEPF® | Wealth Secrets, Investing

Over-spending probably isn’t your problem. Debt probably isn’t your problem.  The issue almost always lies in our hearts. The truth is, there’s more than enough money in the world to meet our needs… but even if we had it all, “the eyes of man are never satisfied.” We see this in the story of David […]

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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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