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Debt

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 […]

Why I am not ANTI credit cards

written by Bob Lotich, CEPF® | Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) Everybody knows that Dave Ramsey hates credit cards. And it’s funny, because people just assume that I feel the same way. However, we don’t share the same credit card philosophy. I’m not ANTI credit cards, just […]

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 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 […]

Should you tithe while paying off debt?

written by Bob Lotich, CEPF® | Biblical Personal Finance

Should you tithe while paying off debt

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) One of the questions I get a lot is, “Should I tithe while I’m paying off my debt?” This is a great question that is not easy to answer. In help with answering this, I want to bring in […]

10 Money Tips For Graduates

written by Craig Ford | Biblical Personal Finance, Debt Help, Managing Money

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

Should You Invest When You’re in Debt?

written by Bob Lotich, CEPF® | Saving Money

This question came from a reader the other day. He said: “I just watched your recent investing videos. What are your thoughts about investing while in debt? We’ve been going crazy paying off our debt, which has been great, but then I see other things that make me wonder if I’m missing out on some […]

My strategy for giving away millions

written by Bob Lotich, CEPF® | Biblical Personal Finance

giving away millions

What if we could create millions of dollars only to give it away? How many missionaries could be supported? How many evangelistic outreaches could be funded? How many God glorifying books could be published? How many hungry could be fed? How many lost could be reached? I believe there are lots of people who God […]

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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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