SeedTime Money (Christian living & Personal Finances)
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. 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/
Episodes
In today’s episode, we’re telling the full, raw, and unfiltered story of how one joking sentence I said over a decade ago blocked something we'd been praying, fasting, and believing for: a child.
After 9 years of waiting, trying, and wondering, the Holy Spirit revealed something that shifted everything — not only for our family, but also for how we see our words, faith, and even finances.
Here...
What if the hardest thing you're walking through right now is actually where God is working the most - even when you can't see it?
A few months ago everything was normal in our family. Linda's mom cooked a full Thanksgiving dinner, we all gathered around the table, and life felt predictable. But two weeks later everything changed forever when she got ...
What do you do when life punches you so hard, you don’t think you’ll ever get up?
That’s what we talked about in this raw, holy, and surprisingly hope-filled conversation with pastor and author Levi Lusko. After losing his 5-year-old daughter and recently his father, Levi brings more than theology—he brings lived truth. This episode is a deep dive into what it actually means to move forward when it feels i...
In this final episode of our “Prosperity Gospel, Poverty Gospel, and The Gospel” series, we’re diving into the forgotten commands of scripture that every Christian should know when it comes to money.
We’re not just talking about how to make more or give more — we’re talking about how to think biblically about money, handle it with eternity in mind, and why most believers are stuck in financial cycles that ...
What if I told you that nothing you own is actually yours—and that this truth could radically change how you think about money, stress less, and give more?
In this episode, we dig into one of the most transformational shifts in our Christian financial journey: moving from ownership to stewardship. This isn’t just a spiritual concept—it’s the antidote to both the prosperity gospel and the poverty gospel.
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’ gol...
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:
- ...
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:
- Read more
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
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 th...
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 ...
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 neve...
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.
Read more
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 ...
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:
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?
...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 pow...
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...
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 tak...
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