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Investing

Gold vs Inflation: How gold protects your money (and why I am buying more)

written by Bob Lotich, CEPF® | Investing

How Gold Protects Your Money’s Value (While the Dollar Doesn’t) I have invested/owned gold for probably about 10 years at this point. Probably 5% of our investments have been in gold, but if I am honest, I only really did it because it was what I understood to be part of a “balanced” portfolio. It […]

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 […]

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 […]

How to open a crypto Roth IRA

written by Bob Lotich, CEPF® | Investing

One of the first things I started thinking about after I started making my first couple investments in the crypto space (and especially after one of them went up like 15-20x in a matter of two years), I’m like, “huh, it would be really great if I could get this crypto in an IRA.” That […]

How I helped this student save $500,000 [in under an hour]

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

How I helped this student save $500,000

I know this title sounds unbelievable. And I am not sure I believe it either, but this was an email I got the other day… He brings up a good point that most people never think about… Those hidden fees in your investments in your 401k, 403b, or IRAs can easily cost you more than […]

The 4 Biggest Money Secrets of Millionaires (that most people misunderstand)

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

The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors. Have you ever wondered about millionaires, and what their money secrets are that “normal” people don’t get? In this article we’re diving into some super cool stuff– the 4 biggest money secrets of millionaires that most people […]

What does the Bible say about lending money with interest?

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

There are a variety of questions that come up about whether or not lending money and earning interest is unBiblical. A reader just sent me this question, so I figured it was worth creating an article to share all my thoughts on this topic. Is it okay for Christians to earn interest? Is it a […]

Yieldnodes Review (my honest thoughts and results 8 months later)

written by Bob Lotich, CEPF® | Investing

investing with YieldNodes

UPDATE: 10/10/23 So it has been a year since Yieldnodes has closed off enrollment and I still get people asking me about Yieldnodes, so I figure I should do another update and let you know what’s going on. Long story short, even though many Yieldnodes investors have written them off, the CEO of Yieldnodes (Steve […]

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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

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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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