SeedTime with Bob and Linda Lotich
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...
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The Prayer That Paid Off Our Mortgage
<p>Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances</p> <p>The first time I prayed a prayer I thought might be selfish, I was 20 years old and brand new in my faith. God said yes. I spent the next seven months refusing to accept the answer because I could not believe He had actually said it. Years later I prayed a different prayer, this one about our mortgage. The answer came back in a way I never would have written. Ten months later the mortgage was gone.</p> <p>In this episode Linda and...
What We Actually Believe About Tithing (After 15 Years of Avoiding This)
<p>The first time I ever heard the word tithing, I watched a guest preacher publicly shame two guys at the altar of a small Florida church for not doing it consistently. They walked back to their seats with their heads down. I never forgot it. Linda has a different shame story — quiet, private, ten years long, all over a single tithe she felt led to give to friends going on a mission trip instead of her local church. Two completely different shame stories, same root system. Both deadly to generosity.</p> <p>In this episode, we finally do the co...
We Let a Church Ask Us Anything About Money (Here's What They Actually Wanted to Know)
<p>Mike Tyson made $400 million and ended up $23 million in debt. A janitor named Ronald Reed made minimum wage his whole career and left $8 million to charity. The difference had nothing to do with income — and everything to do with one rule. That's where this conversation starts.</p> <p>Linda and I were guests at a church for their "Money Talks" series and the questions were so good we wanted to bring this to the podcast. We walk through the John Wesley framework we based our whole book on (make all you can, save all you can, give all you ca...
Matt Chandler: I Won't Even Let Billionaires Bless Me (Here's Why)
<p>Matt Chandler has been in the room with actual billionaires on multiple occasions — and the way he describes what happens to people who have everything almost everyone else is chasing isn't what most of us would expect. He told us he won't even let some of them bless him. And after 23 years pastoring one of the most affluent suburbs in America, he's seen exactly what the chase actually does to families.</p> <p>In this conversation, we get into a question Matt says nobody has asked him: what he's actually watched wealth do to people up close. We talk ab...
THIS is how we gave $1 Million
<p>We are opening up our Mission Driven Millionaire Cohort to 15 people and we are enrolling now until spots fill up. Get details and apply here: https://seedtime.com/cohort</p> <p>Also, this is an episode you might just want to watch (you know, with your eyeballs lol) for it to make the most sense. And you can do that here if you want.</p> <p>I have coached people pulling in 250,000 a year who are completely broke. No margin, no savings, no clue where any of it went. And I have sat with families bringing in 40,000 who quietly...
The 4 Stages of Money (And Why Most People Get Stuck in Stage 2)
<p>37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost nothing to do with how much we make. Linda and I have coached people pulling in $250k who are dead broke. We've watched a $20,000 raise get absorbed by lifestyle inside six months and leave them exactly where they started. The problem isn't income. The problem is that most of us are working hard on the wrong math problem.</p> <p>In this episode we walk through the four stages of money (surviving, stable, secure, and...
The 17 Investments I Actually Own (Full Portfolio Reveal)
<p>In this episode I walk through our entire 2026 investment portfolio: every account, every position, and exactly what I'm doing with our money. That includes a full update on gold (which has nearly doubled but I genuinely don't care), where we stand with Bitcoin at $65k, why I moved Linda's Roth IRA into a fixed indexed annuity after spending my whole career skeptical of them, our real estate split between Fundrise and Roots, the Tesla concentration problem in our stock portfolio, and what happened when I ran an app that automatically copies Nancy Pelosi's trades for 8 months — including the $1,500 I pu...
He Burned Out as a Pastor (Then Discovered this…) w/Mark Buchanan
<p>Most of us have quietly convinced ourselves that busy-ness is a badge of honor.</p> <p>Mark Buchanan believed the same thing — until it almost cost him his health, his marriage, and his connection with God. And what he found on the other side of that is something the modern church has almost entirely stopped talking about.</p> <p>In this conversation, Linda and I sit down with Mark Buchanan — author of The Rest of God, God Walk, and his new historical fiction novel What Is Left of the Night — to talk about why busyness kills the heart, what Sabbat...
You're Not Broke — You Have a Leak. Here's the Framework That Finds It.
<p>You're not careless with money. You try to be intentional. But somehow at the end of the month, there's still less than there should be — and you can't quite figure out where it went.</p> <p>What if the problem isn't discipline — but a type of spending leak that even the most careful budgeters almost never catch?</p> <p>In this episode, I walk through the Cost vs. Frequency Matrix — a simple framework for identifying three invisible drains that quietly bleed most middle-class budgets dry.</p> <p>We talk about value decay (purchases that made total sense once, but quietl...
Why When You Feel Least Qualified Is When God Does His Best Work
<p>The day Jesus fed five thousand people from almost nothing — he was also grieving the violent death of his best friend and cousin. He'd tried to get away to be alone. The crowds followed him anyway. And instead of sending them home, the Bible says "he had compassion on them." Out of his grief. Out of his exhaustion.</p> <p>In this episode, Linda and I walk through Matthew 14 and what was actually happening to Jesus during this wild 24-hour stretch — the grief, the exhaustion, the interrupted attempt at solitude, and the back-to-back miracles that came out of it. We a...
