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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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...
How to Hear the Holy Spirit About Your Finances (with Alex Seeley)
<p>She prayed for seven years for a breakthrough. The more she prayed, the worse things got. And she ended up on the bathroom floor saying she didn't want to be alive anymore. What the Holy Spirit showed her in that moment — about control, about fear disguised as faith, about the difference between begging and believing — is something I haven't been able to stop thinking about.</p> <p>In this episode, Linda and I sit down with Alex Seeley — author of The Divine Counselor — for one of the most honest conversations we've had on this show.</p> <p>Alex shares how a 20...
The 3 Money Tests God Gives Every Christian (And Why Most of Us Are Failing)
Have you ever wondered why financial breakthrough feels so close yet so far? Bob and Linda Lotich reveal that God is constantly testing us with money—and most of us don't even realize it's happening. In this eye-opening conversation, they break down the three distinct money tests every believer faces, how to identify which one you're in right now, and what God is trying to teach you through it. What You'll Learn: The Three Tests - The Struggling Test - When you have less than you think you need The Surplus Test - When extra money comes your way The St...
The One Verse God Said to Remember (That Everyone Forgot)
In all of Scripture, there are only a handful of times when God explicitly tells us to "remember" something. Each time, it's attached to something vital—communion, Christ's resurrection, where we've fallen. But there's one verse where God commands us to remember a principle that much of the church seems to have forgotten entirely. In this episode, Bob and Linda explore 2 Corinthians 9:6: "Remember this—a farmer who plants only a few seeds will get a small crop, but the one who plants generously will get a generous crop." Key Topics Discussed: Why This Verse Matters How God uses the word "remember...
Why I think God hates our money system (and what to do about it)
Is our money system actually working against faithful stewardship? In this episode, Bob and Linda tackle a conversation almost no one in the church is having—but one every Christian steward needs to understand. Bob opens with a shocking reality: $100 in 1971 now buys about $12 worth of stuff. Same number. Far less value. So what happened? From there, the conversation zooms out to explore inflation, fiat currency, and why Scripture repeatedly condemns unequal weights and measures. Is our modern money system quietly violating biblical principles—and if so, what should believers do about it? This isn't about fear, conspiracy theories, or pred...
