Seed Time Money (Christian living & Personal Finances)

Bob & Linda Lotich | Christian Financial Coaches

  • 32 minutes 26 seconds
    (💸24/40) Sabbath Economics: How Resting One Day Can 10x Your Financial Success

    Today, we are discussing the paradoxical secret to financial success: working less.

    We dive deep into the biblical principle of Sabbath and reveal how this ancient practice is revolutionizing modern business and personal finance. 

     

    🔎You'll discover:

    • Why top performers are embracing this idea and seeing exponential results

    • The counter-intuitive connection between rest and wealth creation

    • How we used Sabbath economics to reach our million-dollar giving goal

    • The shocking story of a rookie real estate agent who defied industry norms and saw his business explode

    • Why your vacations might be leaving you more exhausted (and how to fix it)

     

    Plus, we share our personal Sabbath strategies that have led to major financial breakthroughs and life-changing revelations.

    Whether you're a business owner, employee, or somewhere in between, this episode will challenge everything you thought you knew about productivity and success. Get ready to unlock a whole new level of financial abundance and personal fulfillment!

     

    📚Resources Mentioned:

     

    Stay tuned for our upcoming merch release and studio makeover! Follow us on social media for sneak peeks and updates.

    Remember, sometimes the key to getting ahead is knowing when to stop and rest. Your future self (and your bank account) will thank you!

     

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Lm8ivuzl4WI)!

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    14 September 2024, 12:00 pm
  • 34 minutes 1 second
    [Case study] From food stamps to a 7-figure business owner. Graham Cochrane’s best tips and keys to massive life change

    We all dream of living life on our own terms.

    But how many of us actually do it?

    In this game-changing episode, we sit down with Graham Cochran, author of the new book "Rebel: Find Yourself By Not Following the Crowd," to uncover the invisible force holding you back from your dreams—and how to break free.

     

    🔍 We dive deep into:

    1. Why conformity is slowly killing your soul (and how to recognize it)

    2. The shocking truth about why your dreams keep dying

    3. How Graham went from food stamps to running two 7-figure businesses

    4. The "Identity Crisis Intersection" and how to navigate it

    5. Why dreaming big is the most rebellious thing you can do

    6. The 5 biggest mental scripts sabotaging your success

     

    If you've ever felt stuck in a job that doesn't fulfill you, struggled with a business that drains you, or simply lived a life that doesn't feel authentically yours, this episode is your wake-up call.

    It's time to rebel against the ordinary. It's time to find yourself.

     

    Resources Mentioned:

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/m4OlSg8E7ss)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    9 September 2024, 12:00 pm
  • 33 minutes 48 seconds
    (💸23/40) The truth about money that 96% of Christians don't know (and how it's costing you BIG)

    Hey friend! Today we are talking about:

    • The dangerous lie about money that keeps 96% of people financially stagnant
    • Why investing isn't just for the wealthy - it's a powerful tool for anyone who wants to make a difference
    • The shocking experiment that shows what happens when you give 100 people $10,000
    • The simple math function that separates financial winners from losers
    • How to shift your mindset from subtraction to multiplication
    • The Biblical case for smart investing (hint: it's about more than just getting rich)
    • Why the stock market isn't as risky as you might think - and how to approach it wisely
    • The life-changing power of compound interest over time
    • How to start multiplying your money today, even if you know nothing about investing

    Links and resources mentioned:

    • Episode 17 of the podcast series (discussing investment risks)
    • 10X Investing Course: https://seedtime.com/10x  - and be sure to use coupon code: PODCAST20 (limited time discount)

    Plus, we share personal stories of how we overcame limiting beliefs about wealth and learned to see money as a tool for Kingdom impact. Whether you're a financial novice or looking to level up your strategy, this episode will challenge your assumptions and inspire you to become a multiplier.

    7 September 2024, 12:00 pm
  • 31 minutes 44 seconds
    (💸22/40) Hobby Hacking: The Counterintuitive Way to Boost Your Bank Account While Having More Fun

    Is your favorite hobby secretly sabotaging your financial future?

    Today, we dive deep into the hidden costs of our pastimes and reveal how strategic hobby selection can impact your financial progress and happiness.

     

    🔎Here's what you'll learn:

    • Why I gave up golf at 13 (and how it changed my financial trajectory)

    • The shocking truth about identity-driven hobbies

    • How to turn your shopping addiction into a money-making machine

    • The "paddle sports secret" to living longer (and richer)

    • Why your spouse might be nodding their head right now (and what to do about it)

     

    💡But this isn't just about cutting costs. We'll show you how to:

    • Transform your passions into profit centers

    • Hack your happiness by redirecting your focus

    • Unleash the power of "seasonal hobbies" for explosive growth

     

    Warning: This episode might make you rethink everything you thought you knew about work-life balance and personal finance. Are you ready to level up?

     

     Resources Mentioned:

    • SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m 

     

    Remember, where your treasure is, there your heart will be also. It's time to make your hobbies work for you, not against you.

    Ready to transform your free time into a wealth-building machine? Hit play now! 

     

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/f2nTLQBVVmg)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    2 September 2024, 6:58 pm
  • 45 minutes 19 seconds
    5 Family Rhythms That Will Transform Your Home (And Your Finances)

    Hey friend,  Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture.

    Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice.

     

    Why You Should Listen:

    • Family Culture and Rite of Passage Ceremonies: Discover how Chris and Jenni use rite of passage ceremonies to mark significant moments in their kids’ lives, helping to build a strong family identity and culture.

    • Real Talk on Marriage and Parenting: We dive into how to keep the spark alive in your marriage, especially when life gets busy, and the importance of speaking life over your spouse and kids.

    • Entrepreneurship and Family Finances: Chris and Jenni discuss how their entrepreneurial ventures have influenced their family’s financial life, and how they teach their kids about money through hands-on experience.

    • Creating Rhythms in Family Life: The Graebes break down their five key rhythms for a thriving family, focusing on how to bring peace and intentionality into the chaos of everyday life.

     

    Resources Mentioned:

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/QL5SWzuLjNQ)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    31 August 2024, 12:00 pm
  • 26 minutes 56 seconds
    (💸21/40) 5 Reasons Why the Wealthy Automate Their Money (And Why You're Falling Behind If You Don't)

    Want to know the secret weapon of the wealthy?

    It's not what you think.

    Forget discipline. Forget willpower. Forget complex investment strategies.

    The real key? Automation.

    In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too.

     

    Here's what you'll discover:

    1. The shocking truth about why discipline is overrated in finance

    2. How to make hundreds of good financial decisions with just one click

    3. The "set it and forget it" strategy that could skyrocket your savings by 56%

    4. Why emotional decision-making is costing you thousands (and how to stop it)

    5. The simple hack that saved us 130 hours a year on managing our money

    6. How we used automation to give away $1 million by age 40

    Plus, we're sharing the exact steps you can take TODAY to start automating your finances like a pro.

     

    🔗Resources mentioned in this episode:

    1. Book: "Automatic Millionaire" by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085

    2. Real Money Method (UN)budgeting system - https://seedtime.com/realmoney

    3. 10X Investing course - https://seedtime.com/10x

    4. Charles Schwab study on 401(k) automation - https://www.schwab.com/resource-center/insights/content/why-your-401k-should-be-on-auto-pilot

    5. American Time Use Survey - https://www.bls.gov/tus/

    6. Financial Engines study on unclaimed 401(k) matches - https://financialengines.com/education-center/401k-match-lost/ 

    7. SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m 

    Remember: The wealthy never depend on willpower. They automate their most important financial tasks. It's time for you to do the same.

    Ready to get started? Hit play now.

     

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    24 August 2024, 12:00 pm
  • 40 minutes 54 seconds
    (💸20/40)The 100X Giving Secret & Why Giving Away Money is Harder Than Making It

    Ever wondered if your donations are actually making a difference? We've got news for you:

    Your next charitable gift could be 100 times more effective than your last.

    No, that's not a typo. 100 times.

    In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving superhero.

     

    Here's what you're going to discover:

    1. The shocking truth about charity effectiveness (and why some of your donations might be going to waste)

    2. Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart)

    3. The "Good Soil" principle that could multiply your impact exponentially

    4. Why some billionaires say giving money away is harder than earning it (and what you can learn from them)

    5. The hidden dangers of generosity (and how to avoid them)

    Whether you're dropping a few bucks in the collection plate or planning to give away millions, this episode is your roadmap to maximizing every dollar you donate.

     

    🔗Resources mentioned in this episode:

    1. Book: "Simple Money, Rich Life" by Bob and Linda Lotich - https://www.seedtime.com/smrl 

    2. Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409988

    3. Documentary: "Poverty, Inc." (available on Netflix) - https://www.netflix.com/title/80097120

    4. Organization: Charity Water - https://www.charitywater.org/

    5. Bible passages:

      1. 2 Corinthians 9:7 (NIV)

      2. Mark 12:41-44 (The Widow's Offering)

      3. Matthew 25:14-30 (Parable of the Talents)

      4. Proverbs 11:25

    6. SeedTime Money 40-week checklist (mentioned as part of our ongoing series)  - https://seedtime.com/give1m 

    Remember, it's not about giving more - it's about giving smarter. Let's make every dollar count.

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    17 August 2024, 12:00 pm
  • 27 minutes 36 seconds
    (💸19/40) The Counterintuitive Math Behind Early Retirement That Schools Don't Teach

    Today, we're diving deep into the counterintuitive math behind early retirement - the kind of stuff they don't teach you in school.

    You'll discover:

    1. Why your paycheck size matters less than you think (Sorry, LeBron!)

    2. The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals

    3. A biblical money hack that's been hiding in plain sight for thousands of years

    But here's the kicker: This isn't just theory. We break down real-world examples and show you exactly how to calculate your own number. By the end of this episode, you'll have a powerful new strategy to turbocharge your financial progress.

    Ready to transform your financial future? Let's dive in!

    🔗 Resources mentioned:

    1. Book: "Simple Money, Rich Life" by Bob and Linda Lotich - Available at: https://seedtime.com/smrl

    2. Book: "Retired Before Mom and Dad" by Rob Berger - Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2J

    3. FIRE (Financial Independence, Retire Early) Movement - Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp

    4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

     

    Remember, small actions, repeated consistently, lead to extraordinary results. What 1% change will you make today?

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yewQ7wOkwH8)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    10 August 2024, 12:00 pm
  • 24 minutes 41 seconds
    (💸18/40) Discover Your REAL Hourly Wage: The Shocking Truth Your Paycheck Doesn't Show

    Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time. 

    In this episode, we uncover:

    • The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think)

    • How a 10-minute exercise could save you thousands of dollars and countless hours

    • The secret expenses that are quietly eating away at your paycheck

    • Why that "golden handcuffs" job might not be as valuable as you think

     We break down the revolutionary ideas from "Your Money or Your Life" by Vicki Robin and Joe Dominguez, showing you how to apply them in today's world. Whether you're dreaming of early retirement, considering staying home with the kids, or just want to make smarter career moves, this episode is your roadmap to financial clarity.

     

    🔥 Resources Mentioned:

    1. "Your Money or Your Life" by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766

    2. Our Free Newsletter: Sign up at https://seedtime.com for our best financial tips and strategies

    3. Bureau of Labor Statistics Consumer Expenditure Survey Check it out: https://www.bls.gov/cex/

    4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 

     

    Remember, this isn't just about crunching numbers—it's about reclaiming your time and aligning your work with your values. After listening, take 10 minutes to do this calculation for yourself. You might be surprised at what you discover!

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-diz2_qrymQ)!

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    3 August 2024, 12:00 pm
  • 29 minutes 41 seconds
    (💸17/40) Investing Isn't Gambling: The Mind-Blowing Truth About Investing They Don’t Want You to Know

    Ever been told that putting your money in the stock market is no different than taking it to Vegas? We're about to blow that myth wide open.

    In this episode, we reveal:

    1. Why smart investing could actually be LESS risky than stuffing cash under your mattress

    2. The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason)

    3. How we went from terrified first-time investors to confidently paying off our house with one investment

    4. The shocking truth about long-term market returns that will make you question everything

    This isn't just financial advice – it's a paradigm shift that could transform your entire future. Don't miss it!

     

    🔗 Resources mentioned:

    1. Our 10x Investing Course: https://seedtime.com/10x

    2. Vanguard Study on Long-Term Investing: https://investor.vanguard.com/investor-resources-education/education/market-volatility

    3. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

     

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

     

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-gmo9RLQyvY)!

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    27 July 2024, 12:00 pm
  • 36 minutes 4 seconds
    (💸16/40) The 3 Credit Card Rules That Saved Us $15,000 (And How They Can Work for You Too)

    In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to:

    1. Save over $15,000 in interest

    2. Score more than $10,000 in free travel

    3. Turn our biggest financial burden into a powerful wealth-building tool

     

    But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it.

     

    We break down:

    1. Why your credit score might be lying to you (and what to do about it)

    2. The "chainsaw approach" to credit cards (and why it works)

    3. How we funded our dream of giving away a million dollars using credit card strategies

     

    Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount.

    Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom.

    Don't miss out on the credit card secrets that could change your financial future forever.

     

    🔗 Resources Mentioned:

    1. Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652

    2. Free Travel Article - https://seedtime.com/free-travel

    3. Credit Card Recommendations - https://seedtime.com/cc

    4. 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m

     

    BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 

    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dmCyLz-fRt4)!

     

    If you haven’t checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

    You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

    20 July 2024, 12:00 pm
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