SeedTime with Bob and Linda Lotich

You can do everything right with money and still not feel free.

Budget in place. Debt gone. Emergency fund full. And underneath it, the same low hum of anxiety and comparison that was there before.

Our friend Bryan built his entire financial life on three words he'd heard a thousand times: cash is king. He's a Dave Ramsey superfan. He did the debt-free scream. Then one day in the shower it hit him. Cash isn't king. Jesus is.

That o...

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 simp...

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 ...

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 J...

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 gr...

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...

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 yo...

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 co...

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.

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 tip...

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 marriag...

>>> First, grab the guide I told you about in this episode: How to become a millionaire even on an average salary

A few years ago we sold off some Tesla stock to pay off our second house. If you run the math on what that stock would be worth now, the result is honestly brutal. But I felt the Lord tell me clearly to do it. And looking back, I think I see exactly why He said what He said.

In this episode Linda and I walk thr...

Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances

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, t...

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 complet...

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.

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 thr...

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.

In this conversation, ...

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

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.

I have coached people pulling in 250,000 a year who are completely broke. No margin, no savings, no clue w...

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 w...

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 Te...