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Dave Ramsey

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 […]

The 5 best Dave Ramsey quotes

written by Bob Lotich, CEPF® | Saving Money

best dave ramsey quotes

I live in the same hometown as Dave Ramsey, and it seems like every other person I meet here works for Ramsey Solutions. But my admiration goes beyond my proximity to his home office. I’ve read his books, watched several of his videos, and even gone through his transformative course, Financial Peace University. Dave has […]

15 Timeless Financial Quotes Worth Reading

written by Joe | Managing Money

15 timeless financial and money quotes

Some people have the ability to squeeze a lot of meaning into a few words … words that anchor themselves in our minds and guide us, often when we are not expecting it. These meaningful snippets, over time, become oft quoted sayings. In this post, I will quote — and comment on — some very common and some not so common financial sayings.

10 ways to become poor

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

10 ways to become poor

These are some simple ways to become poor… 1. Spend more than you make – Actually if you only do #1, you won’t have to worry about the other 9. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.

My Interview with a millionaire

written by Bob Lotich, CEPF® | Investing

My interview with a millionaire and the crucial things I learned

So, if you want to learn how to build a chair, you should go ask a chair-maker how he does it. If you want to learn how to become a millionaire, you should ask a millionaire how they did it.

How Much Should I Save For Retirement?

written by Craig Ford | Investing

how much should you save for retirement

Everyone wants to retire with an adequate amount of retirement savings. However, there are so many factors that cannot be predicted that people often feel overwhelmed when they try to figure out how much they should be saving for retirement. Due to simplicity, it is recommended that you try and establish a set percentage of…

The Shortest Investment Book Ever – Review

written by Bob Lotich, CEPF® | Investing

I just finished James O’Donnell’s book called The Shortest Investment Book Ever: Wall Street Secrets for Making Every Dollar Count. Long title isn’t it? Like the title suggests it is short – about 140 pages and it is smaller in size as well.

Dave Ramsey critics

written by Bob Lotich, CEPF® | Debt Help

dave ramsey critics

Dave Ramsey seems to attract quite a few critics these days. I have heard him being criticized for everything from being over-simplified to allowing people to use debit cards to buy his products.

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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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