SeedTime with Bob and Linda Lotich

Hosted by Bob Lotich, Linda Lotich

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400

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Aug 2026

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About the show

Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. 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. 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. 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, Levi Lusko, 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 real lives. 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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September 4, 20261 hr 13 min

The Biblical formula for paying off debt miraculously fast

What if you don't need more money to pay off your debt? What if you just need to see what's already in your house? That's the pattern hiding inside a story in 2 Kings 4. A widow. A dead husband. A creditor at the door. And one small flask of olive oil that God multiplied until her debt was gone. This episode was recorded live from one of our workshops. Linda and I walk through the whole story, verse by verse. Then we pull five simple steps out of it for paying off debt fast: Name your need. Take inventory of your house. Gather your jars. Shut your door. And pour your flask. We also tell our own debt payoff story, starting with a blog that made $100 a month. And why students in our Mission Driven Millionaire coaching program have paid off $17,000, $25,000, even $65,000 of debt in a matter of months… This isn't a budgeting lecture. It isn't a "just have more faith" pep talk either. It's a biblical formula for getting in step with how God works. And it might change how you see your debt for good. So grab a notebook. You're going to want to write this one down. If you enjoyed this, we'd love to invite you to apply for our Mission Driven Millionaire cohort starting soon - can you learn more at: https://seedtime.com/apply What We Cover Here's a little of what we cover in this episode: The 5-step biblical pattern we found hiding in a story most people skim past Why the widow almost missed her own miracle (and how we almost missed ours) The one line in this story that changes what "faith" actually means for your money A simple way to tell if an idea is from God or just your own anxiety talking The real story behind how we paid off all our debt, starting with a blog making $100 a month Why "getting out of debt" was never supposed to be the finish line What happened when one of our own financial mentors told us we were making a huge mistake Bible Verses Mentioned 2 Kings 4:1-7 Proverbs 3:9-10 Proverbs 11:14 2 Chronicles 7:14 Ephesians 3:20 Resources Mentioned Simple Money, Rich Life Mission Driven Millionaire program True Financial Freedom course Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

August 28, 202616 min

Does Financial Struggle Mean God Is Displeased? (The Honest Answer)

When money is tight, a sneaky thought creeps in. If God was really pleased with me, wouldn't this be easier? I have wrestled with that question myself more times than I can count. So in this episode, Linda and I get honest about whether financial struggle means God is displeased with you. We talk about what blessed actually means, and why comparing your finances to everyone's highlight reel is a trap. We share seasons where we did everything right and money was still hard. And we look at why adversity might actually mean you're on the right path. This is for anyone quietly asking, am I doing something wrong? If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The question almost every Christian asks about money but never says out loud Why your definition of blessed might be working against you The surprising salary that puts you in the top 1% of the world What seed time and harvest reveals about seasons that feel stuck Why adversity is not a sign that God is withholding blessing The advice I come back to every time I don't know what to do next Bible Verses Mentioned Galatians 6:9 Romans 8:28 Resources Mentioned Simple Money, Rich Life (the book) Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

August 21, 202612 min

Jesus Warned About Saving Money the Wrong Way

I used to hate everything about our finances. Then one thing changed and paying bills actually became fun. That thing is margin. Margin is the gap between what you earn and what you spend. It might look small, but that gap is where the freedom lives. In this session from our Mission Driven Millionaire cohort, Linda and I dig into why building margin might be one of the most spiritual things you ever do with your money. We look at Joseph in Genesis 41 and how he made a plan before the famine came. We look at the ant in Proverbs 6 and what it teaches us about saving. And we talk about the two ditches: living paycheck to paycheck with no margin, and building bigger barns out of fear. Plus how the Real Money Method helps you create margin so you can say yes when God says go. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The money habit I now believe is one of the most spiritual things you can build Why the gap between what you earn and what you spend is where freedom lives What Joseph knew about abundance that most of us completely miss The two ditches almost everyone falls into with saving money The heartbreaking reason one man had to turn down his calling What the ant can teach you about your bank account The prayer Linda and I prayed the night before this session Bible Verses Mentioned Genesis 41 Proverbs 6:6-8 Resources Mentioned Mission Driven Millionaire program Real Money Method course Simple Money, Rich Life (the book) Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

August 14, 202636 min

How to Keep Trusting God When the Answer Doesn't Come (w/ Susie Larson)

Three different doctors told her she should be dead. She is still here, and still hosting live radio. For over three decades, Susie Larson fought Lyme disease and mold toxicity. It left seven areas of brain damage. She lost words on the air and forgot how to spell. At her lowest, IV bags filled the fridge where the groceries should have been. Her family had no money for food while their friends bought second homes. But something grew in the middle of all that pain. She learned how to trust God when the breakthrough was nowhere in sight. In this episode, Susie joins Linda and me to talk about her new book, More Than You Can Imagine. We dig into the real difference between faith and "name it and claim it." We talk about speaking God's Word over your money, your health, and your family. I also share the story of declaring life over our newborn son when he would not breathe. This one is about money, faith, healing, and what God actually does when you keep trusting Him. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free . Timestamps 0:51 Why this conversation felt like a divine appointment 3:14 Three decades of Lyme disease, mold, and losing words on live radio 4:23 The wandering lamb and the two ways we drift from God 12:50 The bold stranger who told Susie not to quit, then vanished 16:04 Broke and sick, learning to say "let the weak say I am strong" 21:38 The longest 90 seconds: declaring life over a baby who would not breathe 24:15 Why telling a hurting person to "just say it" can backfire 32:41 Who Susie wrote More Than You Can Imagine for What We Cover Here's a little of what we cover in this episode: What three decades of chronic illness taught Susie about trusting God The real difference between faith and the "name it and claim it" trap Why some Christians end up making an idol out of their pain The strange encounter that stopped Susie from walking away from her calling What being broke and sick at the same time taught her about God as provider The prayer I prayed over our son when the room went silent What God does when you keep trusting Him with no results in sight Bible Verses Mentioned Ephesians 3:20-21 Joel 3:10 John 7:38 John 13:3-5 Romans 4:17 2 Corinthians 4:13 Hebrews 11:38 Mark 11:23 Resources Mentioned Free book offer More Than You Can Imagine by Susie Larson Susie Larson Live (her radio show and podcast) SusieLarson.com Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

August 7, 202621 min

Why You Never Feel Like You Have Enough (and How to Fix It)

Almost nobody actually feels like they have enough. Not really. We chase more money, more space, more results, and the finish line keeps moving. So why does that happen? And how do you actually fix it? In this episode Linda and I dig into contentment and the real reasons so many of us feel like we never have enough. We talk about the secret Paul learned while sitting in prison. We break down three quiet causes: comparison, focusing on what you don't have, and never defining what "enough" even means. Then we get practical with steps like starting a gratitude practice, giving when you feel like you can't, building a survival budget, and letting go of money's grip on your heart. This one is about finding peace with what God has already put in your hands. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: Why "eternity in our hearts" leaves us always wanting more The one habit that lets comparison in the door How focusing on what's missing only makes it grow The moving goalpost that keeps you from ever feeling set The season Bob now calls one of the best things that ever happened to him A simple gratitude exercise you can start today Why giving breaks a scarcity mindset What "you cannot serve God and money" looks like in real life Bible Verses Mentioned Philippians 4:11-13 Ecclesiastes 3:11 2 Corinthians 10:12 1 Corinthians 12 2 Corinthians 3:18 Ephesians 1:18 James 1:4 Genesis 32 Philippians 4:8 Romans 8:5 2 Corinthians 10:5 Mark 9:35 Matthew 6:24 Matthew 6:25-34 Colossians 3:3 1 John 1:9 Resources Mentioned Simple Money, Rich Life True Financial Freedom Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

July 31, 202627 min

Why You Can't Stick to a Budget (10 Real Reasons)

If your budget keeps falling apart after two weeks, it's probably not your fault. I used to think I was just bad with money. Then I realized the budget itself was the problem, not me. In this episode, Linda and I walk through 10 reasons budgets break and what to do instead. We cover zero-based budgeting, unrealistic numbers, tracking expenses, and the credit card mistake almost everyone makes. We also share why building fun into your budget is one of the biggest secrets to actually sticking with it. And you'll hear how one person cut their spending in half by doing one simple thing. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The real reason 80% of budgets fail (it's not discipline) Why most people who say they budget actually don't The one habit that helped someone cut spending by 50% without changing anything else The credit card rule Linda and I follow that keeps us out of trouble The "gotta have it now" tax you're probably paying every month Why a miserable budget is a broken budget The Amazon cart trick I use to stop impulse buys Resources Mentioned Real Money Method course True Financial Freedom course Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

July 24, 202636 min

Simple Money, Rich Life Just Hit 100k (Here's the Story We've Never Told)

We just sold the 100,000th copy of a book I almost didn't write. Back in school, English was my worst subject. Teachers basically told me writing wasn't for me. So when I felt God nudging me to write Simple Money, Rich Life, I pushed back hard. I even hired someone else to write it for me. But God kept saying, "You need to write this." What came next was four years of prayer, a COVID curveball, a publisher who scrapped our whole concept, and an editing process that nearly wrecked us. Sales started slow. Then the ad budget got pulled. I walked around a lake 100 times asking God if it was over. Then things slowly started to turn. This is the behind the scenes story of how a book about biblical money, giving, and stewardship reached 100,000 copies sold. It is really the story of 100,000 answered prayers. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The reader message that brought us to tears Why I almost let someone else write the whole book The prayer habit we started before any of this made sense The publisher demand that felt like losing an arm What Mark Batterson told me that changed how I measure success The lowest moment, and the lake I walked around 100 times The simple thing we started doing with every book we shipped What 100,000 copies really represents Bible Verses Mentioned Hebrews 11:1 Exodus 4:10 1 Corinthians 1:27 Acts 19:11-12 Matthew 25:21 Resources Mentioned Simple Money, Rich Life True Financial Freedom Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

July 17, 202614 min

Should Christians Invest in Evil Companies?

Most of us have no idea what our retirement money is actually funding. A few years ago I started wondering if some of mine was supporting things I would never support on purpose. So in this episode, I answer a question I get all the time. Should Christians invest in companies that conflict with their faith? I walk through the two main approaches: biblically responsible investing and buying in to influence a company from the inside. I share the question I ask before buying any individual stock. And I reveal the spending blind spot that might matter even more than your portfolio. Strong believers land on both sides of this one, so we're not going to pretend it's simple. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The uncomfortable question I finally had to ask about my own investments Two completely opposite approaches Christians take (both from strong believers) The one question I ask before buying any individual stock Why boycotting a stock might matter less than you think The everyday habit that funds companies far more than any shareholder does The story behind the shirt I'm wearing and the 50 cent wage that inspired it Bible Verses Mentioned Romans 3:23 Resources Mentioned 10x Investing course Real Money Method course Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

July 10, 202635 min

7 Biblical money principles most Christians never hear (but should)

Most Christians have heard the money advice about tithing and getting out of debt. But there are money principles in the Bible almost nobody teaches. And often times they are the ones that change everything for us!!! So in this episode Linda and I walk through 7 biblical money principles most Christians never hear. They come straight out of Scripture, a lot of it from Proverbs. Just so we are clear, these are not just financial tips. This is an architecture for a financially strong life that honors God. If you enjoyed this episode, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free . What We Cover Here's a little of what we cover in this episode: The garden lesson behind first fruits giving Why willpower fails and automation wins The one thing almost nobody actually tracks What "the borrower is slave to the lender" really means for you The Bible verse that called for diversification thousands of years ago Why margin might be the unsung hero of your finances The parable that explains why God starts you small How to be content and ambitious at the same time Bible Verses Mentioned Proverbs 3:9 Proverbs 6:6-8 Proverbs 22:7 Proverbs 27:23 Ecclesiastes 11:2 Luke 14:28 Matthew 25:14-30 Luke 19:11-27 Luke 12:16-21 Genesis 13:2 Genesis 41 Deuteronomy 15 Haggai 1:9 Isaiah 55:9 James 1:22 Hebrews 4:15 2 Corinthians 8:9 Acts 2:44-45 Resources Mentioned Real Money Method True Financial Freedom Simple Money, Rich Life Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

July 3, 202654 min

Lisa Bevere on Marriage, Money, and Why Men and Women Were Never Meant to Be Enemies

She paid cash to deliver two of her babies. She had no insurance and almost no money. So Lisa Bevere did it using the stock market. That is just one of the wild stories she told us. Today, Lisa and her husband John have given away more than 60 million books in over 150 languages. But they started out broke, praying about whether they could afford a fax machine. In this episode, Lisa sits down with Linda and me to talk about marriage, money, and faith. She shares the moment in the shower that changed her marriage forever. We talk about why men and women were never meant to be enemies. She explains the kind of "giving" message that makes her walk out of the room. And she tells us about the million-dollar gift that fell through, and the surprise that showed up instead. This one is about biblical stewardship, generosity, marriage, and trusting God as your real source. Timestamps 0:00 Why they'd rather give their money to their kids than the bank 15:12 The shower moment that turned John from a boy into a man 24:56 The "erase the whiteboard" trick that ends their money fights 35:25 How Lisa paid cash to deliver her babies with no insurance 37:09 The kind of "giving" message that makes Lisa walk out 49:05 The million-dollar pledge that vanished, and what came instead 1:13:50 How they raised four sons who love God and handle money well 1:20:59 The one message Lisa wants you to take from her book What We Cover Here's a little of what we cover in this episode: How Lisa paid cash to deliver her babies with no insurance The shower moment that changed her marriage Why she says men and women were never meant to be enemies The kind of "give to get" message that makes her walk out of the room What happened when a million-dollar pledge fell through How they give away more books than they sell and still aren't broke What they did to protect their marriage after watching a pastor fall How they raised four sons who love God and handle money well Bible Verses Mentioned Ephesians 3:20 Ephesians 6:12 Deuteronomy 8:18 Malachi 2:14-15 Malachi 3:16 Proverbs 21:9 Proverbs 31:16 Genesis 26:12 Matthew 6:26 2 Corinthians 9:7 John 17:21 1 Corinthians 15:37-38 Hebrews 4:15 Matthew 25:14-30 Revelation 12:17 Revelation 21:8 Psalm 51:7 Psalm 51:13 Resources Mentioned Lisa Bevere's new book The Fight for Female Messenger International (John and Lisa Bevere's ministry) The Awe of God by John Bevere Introduction to the Holy Spirit by John Bevere Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.