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Managing Money

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 retire in 10-15 years (the exact math)

written by Bob Lotich, CEPF® | Career & Work, Managing Money

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) In this article we’re talking about how to retire in 10 years, 15 years, or even 5 years. Now this is not easy. I’m going to say that up front. But I’m going to give you […]

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 […]

The Meaning Of Stewardship

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

The Meaning Of Stewardship

(The following is a transcription from a video I recorded with Marcus Hall. Please excuse any typos or errors.) Today I’m talking with Marcus Hall who wrote the book called Spiritual Wealth. It’s a guide to help you become a better manager of God’s gifts. I like how he said there’s a 40 day journey […]

How This Couple Paid Off $52k In 7 Months

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

How This Couple Paid Off 52k In 7 Months

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today Linda and I are talking with some friends of ours (Chris and Andrea Petrie), whom we met last October, and they have a really cool story that we want to share with you. They paid off […]

9 Millionaire Success Habits

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

9 Millionaire Success Habits

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) We are talking about nine millionaire success habits that hopefully will inspire you. If you are curious as to what habits you need to develop to start building wealth a little bit faster than you currently are, stay tuned […]

You’re Budgeting WRONG If You Do Any Of These 5 Things

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

You're Budgeting WRONG If You Do Any Of These 5 Things

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) For most people, budgeting is a scary word. If you feel that way about budgeting, you might be doing one of these five things wrong (or maybe all of them). When you’re doing any one of […]

Do You Spend Like A Millennial?

written by Bob Lotich, CEPF® | Managing Money

Do You Spend Like a Millennial

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Do you spend like a millennial? I found this study, and it talks about how millennials spend money compared to all other generations. Linda and I technically are millennials. We got in by the skin of […]

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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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