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The Blog

Buying life insurance for your parents: Is it wise? Is it wrong?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Managing Money

Would you take out life insurance on your parents? Why or why not? Recently my siblings have been talking to my mother and I about taking a life insurance out for her, in the case that she passes, a sum of money could be left for her kids and grandkids. The idea would be that we would all co-fund this insurance with her and them.

Being owed money & striving to pass the test

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

being owed money and striving to pass the test

I once heard someone say, “challenges are just wonderfully disguised opportunities for growth.” I really do believe it to be true. Just like a strong physical body requires exercises that push it beyond what is comfortable, so a strong character requires challenges that aren’t comfortable. My newest challenge is that an advertiser owes me a […]

How I used a 3rd car to prevent financial catastrophe

written by Bob Lotich, CEPF® | Debt Help, Managing Money

As some of you all know my car had to be put to sleep a few months ago. I am not really sure why I am just writing about it now – maybe because the grieving period lasted this long? 😉 But anyway, it’s passing marked a significant point in my financial life: It was […]

Is asking for a discount appropriate?

written by Bob Lotich, CEPF® | Simplify

I was hanging out with some of my family this weekend and an interesting & frustrating discussion came up about the appropriateness of asking for a discount from fellow Christians. The discussion started because of this story: A hard-working painter (Joe) we all knew from church went over to give an estimate to another church-member […]

Will Social Security be around when you retire?

written by Bob Lotich, CEPF® | Managing Money

will social security be around when you retire

While I am pleased that the government is being honest about challenges ahead for the Social Security program, I shutter to think that many people plan on it being around when they retire…

Make money writing for Hubpages

written by Bob Lotich, CEPF® | Debt Help, Entrepreneurship, Making Money

How I make $2 per month for each article I write at hubpages

..These are the steps I took to start making money writing for hubpages… I did very little if any work after creating the hubpages and yet I still made $47.14 in July…

How to sell books on Amazon and make money!

written by Bob Lotich, CEPF® | Making Money

how to actually sell your books on amazon and make some money!

These are the steps I take when selling books on Amazon. By following a few of these steps you can make more money with each item that you sell…

How much money does a Christian need?

written by Bob Lotich, CEPF® | Saving Money

This is a tough question to answer because it is different for every person, but I like to think that the answer for most of us should be “a lot”…

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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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