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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 […]

Does God answer ‘selfish prayers’ like paying off debt rather than helping sick kids?

written by Bob Lotich, CEPF® | Biblical Personal Finance

I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while most of you were incredibly supportive, some questioned the intentions or priorities behind it. If you’ve ever wondered why God would answer selfish and “superficial” prayers over what might seem like more critical issues, this is […]

The Parable of the Talents (The Hidden Meanings)

written by Bob Lotich, CEPF® | Biblical Personal Finance

lessons learned from the parable of the talents

This famous parable that Jesus used has a lot to teach us about stewardship of many things in our lives (including money) if we let it. 

The Parable of the Talent’s is one of Jesus’ most famous parables. Yet hidden in the 17 verses in Matthew 25 are some of the most important keys to succeeding as a Christian.

These lessons aren’t just good advice—they’re divine mandates that can help believers be more in line with God’s purposes, not just in their finances but in every facet of their lives.

How to use credit cards responsibly (Our 3 simple rules)

written by Bob Lotich, CEPF® | Saving Money

How to use credit cards responsibly

When I was in my early 20’s I had no idea how to properly use a credit card – and I definitely didn’t know how to use it responsibly. And as a result my financial life was a mess. Sure, I could blame Visa and Mastercard, but the truth was that it was my fault. […]

How to Send Money Anonymously (5 Easy Ways)

written by Adam Faughn | Saving Money

Bible verses about God's love

One of my favorite ways to give is to send money (or gifts) anonymously.

I love the thrill of sneaking around like James Bond, without the threat of getting shot or going to prison if you get caught.

29 Scriptures on Finances (from Financial Experts)

written by Bob Lotich, CEPF® | Biblical Personal Finance

29 scriptures on finances

I asked some of the smartest Christian financial experts that I know two questions: What Bible verse has impacted your finances the most? And why? I wanted to see what scriptures have had the biggest impact in their lives and give them an opportunity to share the reason as well. My prayer is that the […]

20 REAL Companies That Want To Hire You For Work From Home Jobs

written by John Frainee | Making Money

You don’t have to own a business to work from home. Although there are plenty legitimate home-based businesses you can start, existing companies will pay you to help them from the comfort of your own home. So get your home office set up, here are 20 real companies that will pay you to work in your slippers. Comfy!

Free Debt Snowball Spreadsheet

written by Bob Lotich, CEPF® | Debt Help

free debt snowball worksheet and calculator

Creating a debt snowball is my preferred method of getting out of debt.  When Linda and I were paying off $46k of debt, we actually didn’t use a debt snowball spreadsheet or worksheet, but looking back I think it really could have helped us.  If you are wanting to pay off debt on your own, […]

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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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