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Saving Money

75 gas saving tips (for cars, trucks, etc)

written by Bob Lotich, CEPF® | Saving Money

Remember the good ‘ol days when you could fill up your gas tank for about $10? Well, since those prices don’t seem to be ever coming back again, we might as well figure out how to not use as much! To give you a little head start, I scoured the internet looking for the best […]

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 […]

6 Graduation Gift Ideas (That Make a Financial Impact on Your Grad)

written by Bob Lotich, CEPF® | Saving Money

Grad Gift Ideas

It’s that time of year that everyone is getting the invites to graduation parties. And, of course, what happens next is that you are on the lookout for graduation gift ideas that add value (and if you are like me) ones that have a lasting financial effect. After all, there are only so many inspirational […]

What to do when your investments are losing money

written by Bob Lotich, CEPF® | Saving Money

This is written for students of our 10x Investing course who are following the strategies we teach to pick solid investments. But regardless, if you have picked solid investments and are wondering what to do when they are losing value, this will help. Over the last few days I have been fielding a lot of […]

How are SeedTime and Dave Ramsey different?

written by Bob Lotich, CEPF® | Saving Money

How is SeedTime different than Dave Ramsey? We get this question all the time. Specifically, how our True Financial Freedom class for churches is different than Dave’s Financial Peace University class. Well we have the same haircut and live in the same town, so… But seriously, like millions of others, we have been greatly influenced […]

Upside App review (to save money on gas)

written by Bob Lotich, CEPF® | Saving Money

Ok so we all know gas prices are insane and so everyone is trying to save money on gas by doing any number of crazy things. Well, every once in a while I come across an app that is so helpful that I just have to share it with you, and today is one of […]

Free state income tax filing (5 ways to file free)

written by Bob Lotich, CEPF® | Saving Money

5 free ways to file your STATE taxes for FREE. It is pretty easy to find a free FEDERAL option, but filing state taxes for free can be tough to find.

It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. Here’s what I found . . . .

Crypto. The future? A hyped bubble? & a look at how I am investing in it

written by Bob Lotich, CEPF® | Saving Money

I recently sent out an email to our subscribers sharing a new investing strategy I am testing out and like usual when a new/unfamiliar idea is presented there are some naysayers… And this wasn’t really an email that I thought was controversial in the least. It was basically an email explaining that I view my […]

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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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