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Featured Articles

My Morning Checklist

written by Bob Lotich, CEPF® | Productivity

My morning routine is something that I have been developing over the last couple years and is influenced by countless books, articles, friends, and more. My goal with it is to create as many good habits that will set me up for success in areas of my life as possible. I know from experience that if I don’t create a daily habit out of something (reading the Word, exercising, etc) my frequency of doing it goes WAY down. I suspect it is like this for most others too, but it definitely is for me. “You will never change your life until you change something you do daily.” ”• John C. Maxwell

I’ve had a few readers ask about my morning routine and I thought now would be as good a time as any to share my routine and checklist that I follow each morning. My morning routine is something that I have been developing over the last couple years and is influenced by countless books, articles, […]

Why I Think You Should Set A Goal Today

written by Bob Lotich, CEPF® | Biblical Personal Finance, Career & Work, Debt Help

He said rather bluntly, "So, what do you want?". I had thought about a lot of things I didn't want in life. A low-paying job, a job I hated, a dead-end career path were all at the top of my list, but I hadn't really spent much time thinking about things I wanted. He made me. Once I was able to decide on specific things that I wanted in life (particularly in the next 5 years), he had me write them down. This list is what became my 5-year goals

Have you ever wondered how setting a goal and following God’s will can co-exist? After all, what is the point setting a goal that isn’t what God is wanting for us?

Best Financial Books for under $1

written by Bob Lotich, CEPF® | Saving Money

The best financial books that you can get for under a $1

In the case of this article, I picked out five of the best personal finance books out there that you can get for less than a buck. I wouldn’t say that these are necessarily the five best financial books written, but they are all very popular and have proved themselves to be worth something – even if it is only a buck! 😉

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.

The $6 tip that made me rethink my approach

written by Bob Lotich, CEPF® | Biblical Personal Finance

The $6 tip that made me rethink my approach to giving and generosity

Last weekend I decided to take Linda on a mother’s day trip to Nashville for the weekend. She has proved to be an awesome mother to our baby boy for the last 15 months and she deserved a little trip away. On the morning we were set to come back home, we began packing up. […]

The one thing I would teach a recent college Grad

written by Bob Lotich, CEPF® | Investing, Saving Money

The one thing I would teach a recent college grad

You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt.

How to Successfully Raise Money for Mission Trips

written by Carol | Saving Money

How to successfully raise money for mission trips

Previously, I discussed raising the money to fund personal financial goals such as these that are not covered by your budget or your savings. But let’s say your financial need is for a community service project or a mission trip and you know that others would like to help you reach your goal. Then there are other, more public ways, to raise the money.

24 Bible Verses For Business Owners

written by Bob Lotich, CEPF® | Biblical Personal Finance

I did some digging to find some scriptures about business, because I want to do business the right way. So whether you are a business owner, an employee of a business, or just buy stuff from businesses (that covers just about all of us — right?) there is some wisdom to be received from these scriptures.

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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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