• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

Money Mistakes

Why Money Doesn’t Solve Most Money Problems

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

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

Derrick Kinney and money attitudes holding you back

written by Bob Lotich, CEPF® | Money Mistakes

financial attitudes

(The following is an abbreviated transcription from a video I recorded with Derrick Kinney. Please excuse any typos or errors.) Do you have any money attitudes holding you back in life? You just may. But, we can always change our attitude and breakthrough. Derrick Kinney wrote a really cool book that I’m really excited about. […]

How to be good with money [start by never buying these 7 things]

written by Bob Lotich, CEPF® | Managing Money, Money Mistakes, Saving Money

are you good with money?

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) We found an interesting list: “Seven things that people who are good with money NEVER buy.” So this is not our list, but we wanted to share it with you. We loved going through it and […]

How to handle money with record-breaking inflation

written by Bob Lotich, CEPF® | Managing Money, Money Mistakes

(The following is an abbreviated transcription from a podcast Linda and I recorded. Please excuse any typos or errors.) Today we’re talking about the four steps that we’re taking with this crazy record-breaking inflation we are experiencing right now. According to CNBC, I read this article and they just came out with the newest inflation […]

Hiding purchases from your spouse? [Read this]

written by Bob Lotich, CEPF® | Saving Money, Budgeting, Managing Money, Money Mistakes

how to stop hiding purchases from your spouse

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Are you hiding purchases from your spouse? Or, is this something your spouse may be doing? Have you seen those memes where they are hiding the FedEx deliveries? The FedEx guy shows up and you are […]

Getting out of debt success story: How they paid off over $229K in debt

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

(The following is an abbreviated transcription from a video Linda & I recorded with Mel & Murph Stewart. Please excuse any typos or errors.) Mel and Murph Stewart (of FitNFunds) have an amazing debt payoff success story. Linda and I were so blown away by their accomplishment that we had to share their feat as […]

How to change your money mindset [and think like the wealthy]

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

(The following is an abbreviated transcription from a video Linda & I. Please excuse any typos or errors.) Do you think like a poor person? I found this article on medium.com that states, “if you want to be rich, you need to stop thinking like a poor person.” I read through it, and I don’t […]

Ready To Split With Your Spouse? [read this first]

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

(The following is a transcription from a video I recorded with Toni Nieuwhof. Please excuse any typos or errors.) In this article I’m sharing my interview with Toni Nieuwhof. We chatted about the new book that she wrote. She’s a family law mediator and a former divorce attorney. So, she has a lot of insight […]

  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Go to Next Page »

Primary Sidebar

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.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Shop
  • For Churches
  • Press
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)