• 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

Managing Money

The 4 Money Skills: What They Never Taught You in School

written by Bob Lotich, CEPF® | Managing Money

truth about money

You’ve probably noticed something strange about money. Despite spending 12+ years in school learning about everything from algebra to ancient history, most of us graduate without ever learning one of life’s most essential skills: Money. Think about that for a second. We spend years learning how to diagram sentences and calculate geometric angles, but somehow […]

Is Paying Off Your Mortgage Early Possible? Here’s How We Did It In 3 Years

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

How We Paid Off Our Mortgage in 3 Years: 5 Unconventional Steps We Took I know it feels nearly impossible to even buy a house these days, let alone dream about paying it off early. But even if you barely scraped together enough for that down payment, I don’t want you to fall for the […]

The 4 red flags of the Tranzact debit card

written by Bob Lotich, CEPF® | Managing Money

I have been getting emails from a bunch of readers asking for us to do a Tranzact debit card review wanting to know what I think about the Tranzact rewards card. If you haven’t heard, basically, it is a debit card with a positive social impact that provides “Z-Bucks” that can be used to buy […]

Do you have to be smart to be a millionaire?

written by Bob Lotich, CEPF® | Wealth Secrets, Managing Money

Have you ever assumed that smarter people are wealthier than the rest of us? Well, I recently found this study that has been blowing my mind. The first part of it confirmed that smarter people do actually earn more – an average of $425 per IQ point. And I don’t think most of us are […]

Mint.com is shutting down… my 2 favorite Mint Alternatives

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

So, Mint.com (probably the most popular financial app out there) is closing its doors at the end of the year. While it was originally designed to track your spending, many users began to use it as a budgeting app as well. I never really found it to be very effective at budgeting because there isn’t […]

What Growing Up Broke Taught me about money

written by Bob Lotich, CEPF® | Managing Money

One of my distinct childhood memories is riding with my Dad as I sat in the passenger seat of our old Ford Escort. It was a hot summer day but we had the windows down because the A/C didn’t work. We were on a busy road, and as my dad pulled up to a stoplight, […]

The 5 Best-Rated Credit Card Companies

written by Bob Lotich, CEPF® | Managing Money

The 5 top rated credit card companies

I am always cautious when writing about credit cards because I know some people get themselves in loads of trouble with their credit cards. But I trust that you are not one of those people and that you are smart enough to know that carrying a balance on a credit card is a no-no! Repeat […]

11 Financial Questions You Must Ask Before Getting Married (Free Download)

written by Bob Lotich, CEPF® | Managing Money

pre-marital questions about money you need to discuss with your fiancee

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) We are going to take you through 11 financial questions that you must ask before getting married. Ask these questions, have this conversation if you are engaged. And definitely before you get married. And I will tell […]

  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Interim pages omitted …
  • Go to page 18
  • 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
  • Churches
  • Press
  • Shop
  • 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)