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John D. Rockefeller Quote on tithing

written by Bob Lotich, CEPF® | Biblical Personal Finance

john d rockefeller on tithing

“I never would have been able to tithe the first million dollars I ever made if I had not tithed my first salary, which was $1.50 per week.” ”” John D. Rockefeller

Prosperity Gospel, Poverty Gospel, and the Gospel

written by Bob Lotich, CEPF® | Biblical Personal Finance

Yesterday an article was published on TheSimpleDollar where Trent shared his opinions about the “Prosperity Gospel”. I read the article, read the comments, and had some thoughts that I wanted to write about – so here we are. In the article Trent made clear all of his misgivings with the Prosperity Gospel and at the […]

Being owed money & striving to pass the test

written by Bob Lotich, CEPF® | Biblical Personal Finance, Simplify

being owed money and striving to pass the test

I once heard someone say, “challenges are just wonderfully disguised opportunities for growth.” I really do believe it to be true. Just like a strong physical body requires exercises that push it beyond what is comfortable, so a strong character requires challenges that aren’t comfortable. My newest challenge is that an advertiser owes me a […]

Is asking for a discount appropriate?

written by Bob Lotich, CEPF® | Simplify

I was hanging out with some of my family this weekend and an interesting & frustrating discussion came up about the appropriateness of asking for a discount from fellow Christians. The discussion started because of this story: A hard-working painter (Joe) we all knew from church went over to give an estimate to another church-member […]

Why spending money wisely is a life-skill

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

It is incredibly important to start spending money wisely…

Open your mind (Part 2)

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

Getting out of Debt Part 2…I have found that when I am challenged by something, I either open my mind to the possibility of it or I don’t. If I do open my mind to it, then I have to count the cost to decide if I want to do it. If so, the last and often easiest step is to just do it.

Primerica Review: the good and bad

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

I have been to quite a few multi-level marketing recruiting meetings over the years. I consider myself to be an open-minded person, so I don't mind meeting with the recruiters and really learning what the company is all about. It helps that I don't have much desire to follow the crowd and don't have a problem saying no or leaving when I realize it is not what I was interested in. I met with someone from Primerica a few months back, and just got a call from a different recruiter a few days ago. Since they seem to be growing, I figured I would share my thoughts and see what everyone else thinks.

Is Primerica a legit company? Here are the pros and cons of Primerica from my perspective… I have been to quite a few multi-level marketing recruiting meetings over the years and I don’t mind meeting with the recruiters and really learning what the company is all about.

Would Jesus have an emergency fund?

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

Would Jesus have an emergency fund?

I talk a lot about the importance of having an emergency fund and how it is a necessary ingredient to a sound financial plan. But, I thought we should step back and ask the necessary question, “Would Jesus have an emergency fund?”

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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.

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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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