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The Blog

How to get out of credit card debt (on your own)

written by Bob Lotich, CEPF® | Debt Help, Popular

pay off a mountain of credit card debt

12 years ago, Linda and I confronted our debt and decided that we were going to pay off our credit card debt on our own (and fast if at all possible). We were determined to make the sacrifices necessary to eliminate it as quickly as possible. We had $46k in total debt (though not all […]

How we travel for free [161 hotel nights and 103 flights all free]

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

How to travel the US for free

I know when you read a title like “how to travel the U.S. for free” you can’t help but be suspicious. But stick with me on this – if this is new to you, you are going to like it. Over the last 5 years, we have gotten 161 hotel nights and 100+ flights all […]

Why I use credit cards instead of debit cards or cash

written by Bob Lotich, CEPF® | Saving Money

why i use credit cards instead of debit cards

The simple truth is that while they cost me a lot of money early in my life in interest charges (because of my bad financial habits), at this point, they save me far more money than I could have ever imagined. This is another one of those articles that I should have written years ago, […]

Fundrise Review: Fundrise vs. My Rental Property

written by Bob Lotich, CEPF® | Investing

Fundrise REinvesting review

Ever since I read Rich Dad, Poor Dad about 15 years ago, I have been itching to get into real estate investing. While I don’t agree with everything in that book and he makes it seem just a little too easy, I do think some of the principles of building wealth with real estate are […]

Bible & Money (3 Practical Tips For Today)

written by Bob Lotich, CEPF® | Biblical Personal Finance

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) The Bible is a wealth of knowledge when it comes to the subject of money. Recently, my wife Linda and I discussed relevant financial advice from God’s word. We created a video that you can view, if […]

Why I took a Sabbatical year (and how I did it)

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

my sabbatical walk in the desert

This 7,000 word guide explains why I took a sabbatical year and exactly how I did it, just in case you are wanting to take a sabbatical for yourself.

The only credit card I use for my business

written by Bob Lotich, CEPF® | Entrepreneurship

The best credit card for business if you buf online advertising - because it gives you 3x points on Ad spend!!

I wrote about why we use credit cards and all the ridiculous amount of free travel (hotels and flights) that we have gotten solely from credit card points.  But this post is specifically about my favorite credit card of all-time for anyone who has a business and purchases advertising. So if you run ads on […]

Should Christians save for retirement?

written by Bob Lotich, CEPF® | Biblical Personal Finance

Bible verses about retirement and resting: While the Bible doesn’t seem to have specific verses referring to retirement, it does point out the importance of rest. God, our creator, understands the value of rest and relaxation. That, of course, is why He created Sundays! To add to that… Then, because so many people were coming and going that they did not even have a chance to eat, he said to them, “Come with me by yourselves to a quiet place and get some rest. Mark 6:31

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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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