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Wealth Secrets

37x your finances in minutes per day

written by Dylan | Wealth Secrets

Here’s something that could make a massive difference in your finances in just a few minutes per day: Best-selling author and habit-building expert James Clear found that improving by just 1% each day makes you 37 times better over a year. In financial terms, even doubling your AUM (or net worth) would be just a 2x improvement. So 37x? […]

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 […]

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 […]

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 […]

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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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