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The Blog

30 Awesome Dorm Room Decor Ideas (Money Saving & DIY)

written by Dawn | Saving Money

Ways to save money

Although many college students are enjoying their Summers, July is a perfect time to start thinking about how you want to decorate your dorm room. There are a few topics that must be addressed when thinking about donning your dorm room. First, space is limited… so the little space that you have must be maximized! […]

15 Fantastic Jobs for 15-Year-Olds (Awesome Opportunities)

written by Tim | Making Money

In today’s job market, it can be hard for a teenager to find a job. I remember looking for jobs when I was 15 — they were hard to come by! Don’t let the idea of not having a car keep you from finding work. If you’re willing to work, you can find something that’s worth your time.

30 Everyday Products You Can Make Instead of Buying at Walmart

written by Dawn | Saving Money

Financial Tools

I am in need of Walmart rehab! Walmart has been my go-to source for my household and pantry needs. Not only do their superstores carry almost every product I need, but often times their prices can’t be beat. I got to thinking, there has to be a better way than repetitively purchasing chemical laden products! […]

Everything you need to know about the Wonderful ROTH IRA

written by Kevin Mercadante | Investing

Everything you need to know about the ROTH IRA...

There are literally dozens of ways to invest your money – and account types to invest them in – but one stands head and shoulders above the rest. The Roth IRA may very well be the single best investment vehicle available. While other retirement plans are tax deferred, Roth IRAs are tax free. Do we […]

Why You May Want to Invest WITHOUT a Financial Advisor

written by Kevin Mercadante | Investing

Why you may NOT want to hire a financial advisor

Many people are perfectly content to not know what’s going on in their investment portfolios. They’re happy to turn the job of investing over to someone else, like a financial advisor, so that they can tend to other things in their lives. And maybe there’s even some comfort in being able to blame someone else […]

Picking Stocks 101

written by Kevin Mercadante | Investing

Basics of picking stocks

If you’re new to investing, picking stocks can be confusing. Even if you have been investing in mutual funds for a while, stocks represent a higher risk investment, and one that requires considerably more research. Before stepping in stocks, you want to make sure that you do plenty of homework. You should also plan to […]

How to Pick Mutual Funds Like the Pros

written by Kevin Mercadante | Investing

How to pick mutual funds like a Pro

Investing in mutual funds seems simple, but there are so many funds available today that it may not be as simple as it once was. While mutual funds enable you to invest in an entire portfolio of stocks or bonds, there are various sector funds that can raise or lower the risk of your holdings. […]

26 Fun and Clever Money Gift Ideas And Ways To Give Cash

written by Dawn | Saving Money

26 unique ideas to give cash as a gift

When it comes time to gifting those in my life, sometimes it can be a bit of a challenge. Have you experienced this issue too? We all have that person in our lives that is hard to buy for. Or, the teen who only wants a pricey gadget. Or, that relative that has “everything.” Plus […]

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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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