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financial goals

My Checklist To Financial Freedom (PDF)

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

my checklist to financial freedom

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

How to retire in 10-15 years (the exact math)

written by Bob Lotich, CEPF® | Career & Work, Managing Money

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) In this article we’re talking about how to retire in 10 years, 15 years, or even 5 years. Now this is not easy. I’m going to say that up front. But I’m going to give you […]

Ready To Split With Your Spouse? [read this first]

written by Bob Lotich, CEPF® | Biblical Personal Finance, Managing Money, Money Mistakes

(The following is a transcription from a video I recorded with Toni Nieuwhof. Please excuse any typos or errors.) In this article I’m sharing my interview with Toni Nieuwhof. We chatted about the new book that she wrote. She’s a family law mediator and a former divorce attorney. So, she has a lot of insight […]

What to do when all your hard work gets wrecked by unexpected financial challenges

written by Bob Lotich, CEPF® | Money Mistakes

What to do when all your hard work gets wrecked by unexpected financial challenges

An email came in asking a question on a very important topic: handling the disasters that hit when you’re in the process of getting your financial situation under better control, but haven’t yet reached paydirt. Donna asks: ‘… what about those times when I’m doing everything right – created the budget and staying on it, […]

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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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