SeedTime Money (Christian living & Personal Finances) - podcast cover

SeedTime Money (Christian living & Personal Finances)

Bob Lotich, Linda Lotichseedtime.com
God’s put a dream on your heart. Don’t let money get in the way. Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose. Oh and we have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun. We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do. Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show. We help you spend less time thinking about money while getting better results. The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to: - paying off $400k of debt - eliminating all guilt and shame with money - building multiple streams of passive income - honoring God with our finances - learning how to save & invest wisely - having financial unity in our marriage - giving $1 million by age 40 Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances. And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book ‘Simple Money, Rich Life’ or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'. Find out more at https://seedtime.com/
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Episodes

(3/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: Golden Calves and Golden Lampstands

In this episode, we’re going deep on a topic the Church either glamorizes or demonizes—but rarely handles biblically: money . We’re unpacking Exodus, Jesus, and even Tesla stock (yep)—to wrestle through a question that’s been tripping up believers for decades: “Is wealth inherently evil… or is it just a tool?” Here’s what we found: Why the Israelites’ gold became both a golden calf and a golden lampstand What Jesus really meant when He said, “Where your treasure is, there your heart will be also...

Jun 28, 202531 min

(2/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: What Jesus actually said about money

In Part 2 of our “The prosperity gospel, the poverty gospel, and the truth most Christians miss” series, we dive into some of Jesus’ most controversial teachings on wealth. You’ve heard “sell everything,” “camel through the eye of a needle,” and “blessed are the poor,” but what if we’ve been misunderstanding who He was talking to and why? In this episode, we unpack: Why Jesus told the rich young ruler to sell everything—and why He didn’t tell Zacchaeus the same thing. The real reason wealth can ...

Jun 21, 202526 min

(1/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: The Dangerous Lie Dividing Christians

This might be the most important conversation we’ve had about money, faith, and the Bible. For years, we've wrestled with it. One side says God wants you rich. The other says being poor makes you holy. But neither seemed to fully line up with Scripture. What if both extremes missed the point? In this episode, we kick off a 5-part series where we break down: What the Prosperity Gospel gets right—and dangerously wrong How the Poverty Gospel subtly creeps in as "humility" The parable that changed e...

Jun 14, 202542 min

🤖 33 Ways We're Actually Using AI in Real Life (Not Just Theory)

In this episode, we answer YOUR questions about how we’re using AI—personally, spiritually, and professionally. We’re not here to debate whether AI is “good” or “evil.” We’re here to share how we're using it practically—as a business tool, a parenting helper, a writing assistant, a garden coach, and even a wardrobe consultant. And yep, Linda's officially a soft summer . We get into the nitty gritty: The custom GPT we built for flipping items on eBay The podcast producer GPT that writes our show ...

Jun 07, 202545 min

This Study of $25M+ Families Will Make You Rethink Your Financial Goals with Dr. Shane Enete

I sat down with Dr. Shane Enete—professor at Biola University, PhD in personal financial planning, total Jesus-loving money nerd, and author of Whole Heart Finances: A Jesus Centered Guide to Managing Money with Joy . We dug into a fascinating study of ultra-wealthy families (yes, $25M+ net worth) and uncovered a surprising truth. We talk about hedonic adaptation, generosity as a spiritual thermostat, and what your savings account might be saying about your heart. In this episode, you’ll learn: ...

May 31, 202533 min

God Called Gold GOOD & Why That Forever Changed How I View Money (with Myron Golden)

In this episode, we crack open something most believers have never even noticed: In Genesis 2:12, God says the gold of the land was “good.” Wait, what? Before money was minted, before greed and shame twisted its meaning, God placed gold in Eden... and He called it good. That same word—“good”—used for trees, land, animals, and all creation. Money wasn’t cursed. It was created by God and called "good". We dive into: The 8 times gold is mentioned in Genesis—and why that number matters. Why gold is ...

May 24, 202518 min

AI Skills (Part 3/3): Why simply learning how to use AI can increase your income by 50%

This episode is the one you’ve been waiting for. No more doom. No more dread. This is the episode where we talk about what to do next — how to prepare yourself (and your income) for the rise of AI. We share 5 reasons why learning AI is now the most important thing you can do to grow your earning potential over the next 3–5 years. AND we break down 5 practical ways to start (even if you’ve never touched ChatGPT in your life). What we cover: Why “AI fluency” already gets you paid 25–50% more How o...

May 17, 202526 min

AI and Money (Part 2/3): Why 40% of Jobs Might Be Gone in 10 Years — And What To Do About It

You ever watch the movie WALL-E and think, “No way that could be real”? Well... buckle up. This episode is PART TWO of our conversation about Artificial Intelligence — and it’s probably the most important thing you’ll hear all year. We dive deep into where AI is headed, how fast it’s moving, and why this isn’t just another tech shift... it's a total civilization shift. Here’s what we talk about: The 3 groups emerging in the AI revolution (ownership, adapters, dependents) Why AI with a 180 IQ is ...

May 10, 202526 min

AI and the Bible (Part 1/3): Is Artificial Intelligence Replacing Our Faith?

In this episode, we ask a big, uncomfortable question: What does AI mean for our faith? I (Bob) have been obsessed with AI lately—not just how it works, but what it means. And Linda? Well, she’s more on the “this-freaks-me-out” side of things. So this conversation got real… fast. We dive into: The theological implications of AI (yep, we went there). Why AI can reflect human creativity but will never have a soul. How idolatry sneaks in when we rely on AI more than God. Personal stories (like when...

May 03, 202527 min

5 ways we can help you thrive financially this year

Today we are walking through 5 of our most valuable resources (and some free) that will help you thrive financially this year. These are the exact tools and resources we’ve used in our own life—plus testimonies from thousands in the SeedTime community who’ve seen breakthrough with them as well! 📚 Resources Mentioned: Simple Money, Rich Life (get it free – just cover shipping): http://seedtime.com/free The “233 Millionaires” Cheat Sheet: http://seedtime.com/233 Prayers for Finances free PDF: htt...

Apr 26, 202533 min

Tariffs!!! How they will affect your wallet and 2 reasons I am optimistic about them

Everyone’s Freaking Out About Tariffs—But Here’s the Side No One Talks About Let’s be real—every headline out there is yelling about doom and gloom: “Trade war! Economic collapse! Inflation!” But what if there’s another side? In this episode, we zoom way out and unpack the other perspective . The one you’re not hearing. The one that doesn’t sell fear, but maybe offers… a little bit of hope? We get into: What tariffs actually are (yes, we break it down plain and simple) Why reciprocal tariffs are...

Apr 22, 202531 min

The biblical 'wealth transfer' myth debunked in 10 minutes

You know that verse in Proverbs that says “the wealth of the wicked is stored up for the righteous”? Yeah… we need to talk about that. For years, I heard people quoting it like a divine scratch-off ticket. Sit back, wait long enough, and eventually, poof - someone else’s riches end up in your account. But what if that’s not what the Bible is saying at all? 💡 In this quick but powerful episode, we break down: What Proverbs 13:22 actually means (and why most people are getting it totally wrong) W...

Apr 12, 202510 min

10 ways society programs us to stay broke (and how to break out)

Have you ever felt like no matter how hard you work, you're still not getting ahead financially? You're not lazy. You're not broken. You're just programmed. In this episode, we unpack 10 sneaky ways society wires us to stay broke—and most of us don’t even realize it’s happening. From how we’re taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call. 💡 We break down: The mindset traps that ...

Mar 29, 202530 min

Our business hit an all-time LOW...

For nine straight years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward. I had no clue what to do. I felt helpless. The numbers were bad—worse than I realized. And I remember thinking: God, did you bring me here just to let it all fall apart? But what happened next changed everything. In this episode, I take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in ...

Mar 22, 20258 min

The Day We Spent Our Last $55 (with Jamie Winship)

Jamie Winship is back. Kind of. We are sharing pieces of a talk he gave where he shared some powerful insights about how he thinks about money. We loved them so we wanted to share them with you! What happens when God takes away everything you thought you needed? What if the greatest financial lesson isn’t about making more but trusting more? In this episode, we explore how God provides in ways we could never predict—whether it’s cash mysteriously appearing in a newspaper, a stranger covering a n...

Mar 15, 202537 min

The God Who Sees (And Sees To It): Understanding Jehovah Jireh (with Shelly Griffin)

Hey friend! It is Linda driving this one today! And most of us know Jehovah Jireh as "The Lord Who Provides"—but what if we’ve been missing something even deeper? In this episode, I sit down with Shelly Griffin, a Biblical scholar and dear friend whose understanding of God's names will challenge everything you thought you knew about faith, surrender, and divine provision. We dive deep into: The hidden meaning of "Jehovah Jireh" that changes how we see God's provision. Why God doesn't just see—He...

Mar 08, 202535 min

Does God Care about your finances?

Does God actually care about your money? At first, it might seem like a purely earthly issue—like choosing the right toothpaste. But when you dig into scripture, you’ll find that money is one of the most talked-about topics in the Bible. Why? Because it’s deeply connected to our hearts, our trust, and our faith. In this episode, we unpack: Why God isn’t obsessed with money—but cares deeply about YOU. How finances can be the #1 thing pulling your heart away from God (and how to guard against it)....

Mar 01, 202520 min

I’m a Financial Expert: Here are 10 Ways I Save on Groceries Every Month

Let’s be honest—grocery prices are out of control. If you feel like you’re spending WAY too much on food, you’re not alone. In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love. 🚀Inside this episode, we cover: The BIGGEST grocery store mistake (and how to stop making it) How to meal plan like a pro (even if you hate meal planning) The secret grocery store timing trick that can save you 30%+ Why we stopped using Green Chef...

Feb 22, 202520 min

5 tips for Money and Marriage

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process. 🔎We’re talking about: The #1 mistake couples make with money (and how to fix it fast) How to plan your finances together without it turning into an argument The controversial topic of joint vs. separate accounts—what actuall...

Feb 15, 202532 min

We Paid Off Our House at 31 (5 Unconventional Money Moves That Made It Happen)

How did we crush a 30-year mortgage in just 3 years? We’re breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too. 🔎In this episode, we cover: The radical mindset shifts that changed everything. Why you should never let the bank dictate how much house you can afford. The power of prayer and giving (and how they impacted our finances). Tools and strategies we used to track every dollar (and why most budgets fail). How discovering and mon...

Feb 08, 202534 min

Why Heaven Uses Gold As Pavement & What It Means For Your Money Today

In this episode, we’re diving deep into an astonishing truth about Heaven’s streets of gold and what it teaches us about abundance, provision, and God’s priorities. Spoiler: Heaven’s economy makes Earth’s GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God. 🔎Here’s what you’ll learn: The mind-blowing value of Heaven’s streets (hint: 67 quintillion dollars worth of gold). Why God uses gold as pavement and what it tells us abo...

Feb 01, 202511 min

If you have more than $1k in your bank account, make these 6 moves

In this episode of the SeedTime Money Podcast, we’re breaking down 6 game-changing money moves you can make with just $1,000. Whether you’re hitting this financial milestone for the first time or you’re ready to maximize your savings, these steps will help you make smarter decisions with your money today. 🔎 I’ll Cover: A passive way to dip your toes into real estate investing with just $10 (yes, seriously). Why keeping your money in a high-yield savings account is a no-brainer (and how to pick ...

Jan 25, 202517 min

How to start a $10K/month coaching business in 2025

If you’ve ever thought, ‘I’ve been through something life-changing—I need to share this,’ then stop scrolling. This episode is for you. We’re diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I’ve ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business. This isn’t fluff. It’s a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategi...

Jan 18, 20251 hr 2 min

Why Your Business Bank Account Is Holding You Back (and how to fix it with Relay)

I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today’s episode, we’re diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank. If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you. Here’s What We Cover: My frustrating 17-year journey with business banking (and how I finally found the solution...

Jan 11, 202528 min

(💸40/40) A Dying Man's Last Money Lesson: A Sobering Message from a Dying Financial Advisor That's Waking Up the Western Church

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact. You'll discover: How Western Christians are sitting on a $100 billion opportunity for kingdom impact The shocking truth about what percentage of Christian giving actually reaches global missions Why being "rich toward God" ...

Jan 04, 202530 minSeason 1Ep. 40

(💸39/40) The Fear-Setting Framework: How to Turn Your Scariest Financial Decisions Into Your Biggest Breakthroughs

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right? In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month. In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs. You'll discover: Why God's best often looks like career suicide Is Your "Safe Choice" Actually an Ishma...

Dec 28, 202428 minSeason 1Ep. 39

(💸38/40) I Saved $3k By Breaking This One Grocery Shopping Rule (+ 4 Game-Changing Food Budget Hacks)

I never thought changing ONE simple shopping habit could save us thousands... But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits. In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries. You'll discover: The "$7 Lemon...

Dec 21, 202429 minSeason 1Ep. 38

(💸37/40) The 10 best side-hustle ideas of 2025 to turn wasted time into income

We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How? In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses. Here's what you'll learn: Why certain side hustles scale (and others don't) The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job The ex...

Dec 14, 202446 minSeason 1Ep. 37

(💸36/40) The Spiritual Secret Behind Every Major Financial Breakthrough (That Nobody Talks About)

Have you ever felt like your prayers for financial breakthrough were hitting a brick wall? Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time). What You'll Discover: Why feeling "stuck" m...

Dec 07, 202430 minSeason 1Ep. 36

(💸35/40) The Hidden Money Hack: How to Afford Your Dreams By Spending Less on Things You Don't Actually Care About

Ever feel like your dreams are slipping away because you "can't afford them"? We're about to flip everything you think you know about affording what you love. In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial...

Nov 30, 202419 minSeason 1Ep. 35
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