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The Blog

14 quotes to help you stay out of debt

written by Jen | Saving Money

Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]

10 Things American Christians Must Do With Their Money

written by Jason Topp CFP®, CRPC® | Biblical Personal Finance

Did you know that the #Bible gives specific instructions on what to do with our money - and this article we address some of those commands that are for all of us American Christians -

Let’s face it. If you live in America, you are rich. Sure, there are exceptions like those who can’t afford food or shelter, but generally speaking, if you compare yourself to others around the world, you are filthy rich…

How To Create A Will In Less Than 10 Minutes And For FREE!

written by Bob Lotich, CEPF® | Managing Money

Do you know what happens if you die without a will in place? According to Forbes: "If you die intestate–meaning without a proper will or living trust–your assets will be divvied up according to the law in the state where you live... Some states have stuck to the traditional approach of giving a one-third share to the spouse, with the children dividing the rest. Others give spouses one-half. Mississippi gives an equal share to the surviving spouse and each child; if there are nine children, the spouse gets a measly one-tenth of the estate... Even if you have no kids, your spouse may not get everything; in some states, the deceased spouse’s parents, siblings, nieces or nephews and even more distant relatives receive a cut."

Well, if you didn’t know (and I am sure you didn’t), this month is National “Make-A-Will” month. And while I tend to think manufactured holidays and “months” like this are silly, in this case I think it is a good reminder for those who haven’t taken this critical and simple step. So today I am […]

What To Do When You Hate Your Job (4 Keys To A Brighter Future)

written by Bob Lotich, CEPF® | Career & Work, Simplify

These are 4 important things to do when you hate your job…

15 Bible Verses to start Your day off right!

written by Dawn | Biblical Personal Finance

Bible verses about giving

There is no better way to start your day off right than to be guided by the word of God.  Beginning your day in the word, is the best way to have a great day. And if you are a Christian who would like to have a thriving financial life freeing you up to be […]

5 Reasons Your Kid Shouldn’t Go to College (and What They Can do Instead)

written by Lynnae | Career & Work

5 reasons your kid shouldn't go to college - and what they can do instead

[Note from Bob:  I get WAY too many emails from readers who take out over $100K+ in student loans and upon graduation discover that even low paying jobs can be hard to come by.  Many find themselves deep in debt with very little income – not exactly starting off on the right foot.   I […]

12 Things You Can Learn That Will Make You Better at the Game of Life

written by Kevin Mercadante | Saving Money

These are 12 simple things that you can learn today to help you become better at the game of LIFE!

We go to school to learn hands-on skills that will enable us to be better at earning a living. But many of the skills that will make you a success in life have little or nothing to do with earning a living. They’re mostly about living your life, interacting with other people, and improving yourself. And sometimes they even help you earn a living. Here are several things you can learn how to do today that will make you better at the game of life.

How to get textbooks for free

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

A simple method you can use to get your college textbooks for free!

This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.

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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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