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Money Mistakes

The 4 red flags of the Tranzact debit card

written by Bob Lotich, CEPF® | Managing Money

I have been getting emails from a bunch of readers asking for us to do a Tranzact debit card review wanting to know what I think about the Tranzact rewards card. If you haven’t heard, basically, it is a debit card with a positive social impact that provides “Z-Bucks” that can be used to buy […]

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 […]

You’re Burning Your Hard-Earned Money If You Do These 8 Things

written by Bob Lotich, CEPF® | Money Mistakes

You're Burning Your Hard-Earned Money If You Do These 8 Things

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) You’re burning your hard earned money if you do these eight things often. Are you doing these eight things? I hope not. So, we just found this article and haven’t read through it to know what these […]

Want to Get Rich Quick? The Bible has something to say about that

written by Adam Simon | Career & Work, Money Mistakes

Lottery Ticket

Go ahead, admit it. You’ve thought about playing the lottery before. Maybe you’ve even played it during one of those $300+ million jackpot frenzies. Or perhaps you are a regular customer of the game . . . .

What Does the Bible Say about Gambling?

written by Adam Faughn | Biblical Personal Finance, Money Mistakes

what does the bible say about gambling

Obviously, Americans spend an enormous amount of money gambling, yet the issue is always controversial. Whenever a new jurisdiction seeks to add gambling, there is always a controversy. Christians are often the most vocal opponents of these measures, which usually pass anyway . . . .

5 Reasons Why People Don’t Save For Retirement

written by Kevin Mercadante | Managing Money, Money Mistakes

reasons why people don't save for retirement

Have you ever wondered why you don’t save more for retirement? Or why others who you know don’t? If saving for retirement is so important, why don’t we do more of it, or even do it at all? I’ve come up with a handful of reasons, and all have to do with either personal attitude and preferences, or with life circumstances. Sometimes we just have to overcome ourselves, and other times we face circumstances that limit our efforts.

Money Mistake #1 – Paying too much for a car

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

It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…

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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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