SeedTime with Bob and Linda Lotich

Do Christians have to tithe? If you've searched for an answer, you've probably found people yelling at you from both sides: one camp says you're cursed if you don't give 10%, and the other says tithing was Old Testament law and you don't owe anything. I've spent 20 years studying this, and I want to walk you through where I've landed and why.

We get into the day I watched a guest preacher call two men to the altar for not tithing, the guilt Linda carried for ten years over a gift she felt God led her to give, what Abram, the Law of Moses, and the cross each tell us about the tithe, why I think about tithing the same way I think about the Sabbath, and the $75 garage sale laptop that changed how I see giving. If you've been burned by a sermon or you're just confused about whether any of this still applies to you, I think the way out is better than you think.

And if you want to keep growing in generosity, Linda and I wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. You can grab the checklist free here: https://seedtime.com/GIVE1M

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

If God is going to do what He wants anyway, why pray?

My guest today, Matt Smallbone, is a pastor in downtown Nashville, and for most of his thirty years as a Christian that question kept him from praying much at all. He'd read every book on prayer. He'd handed the whole thing back to God and called it theology.

Then he ran an experiment. The Lord's Prayer, all six parts, every day, for a year.

In this conversation we get into what that year taught him about God's sovereignty and unanswered prayer, why he believes most unanswered prayers go unanswered for one reason (and why he also believes God says yes to every prayer we would pray if we knew what He knows), what "give us this day our daily bread" meant when his family lived on $150 a week, why he says forgiveness has actually become easy, and how he and Linda kept praying through the loss of a baby.

If prayer has ever felt boring, awkward, or like it just isn't working, this conversation is for you.

If you enjoyed this conversation, definitely check out Matt's new book, The Prayer Experiment. The whole year-long experiment is in there: https://www.amazon.com/Prayer-Experiment-Realigns-Everything-Thoughts/dp/0310372739

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

Most of us measure our money by how the month feels, and that's a lot like trying to lose 20 pounds by checking how tight your sweatpants are. In this live workshop, Linda and I walk you through the one number that actually tells you whether you're getting ahead, why we stopped calling it net worth, and what Proverbs 27:23 has to do with it.

We get into why so many of us avoid looking at our finances, the two scoreboards that keep people anxious no matter how they're doing, our own first number (-$13,843) and where it was one year later, a 10-minute exercise to find your number, the four financial stages and what to do in each one, and your questions about money leaks, setting an enough number, giving when money is tight, and paying for kids in college.

Not sure which of the four stages you're in? Take our short stage quiz (10 questions, about two minutes) and you'll get next steps for right where you are: https://seedtime.com/stage

Timestamps

0:00 Cold open and intro

0:42 Seeing your whole financial picture on one page

1:47 Proverbs 27:23 and why God wants you to know your number

3:18 Why so many of us avoid looking

6:26 Step 1: Face the number

8:52 Visibility vs. discipline

10:50 Step 2: Swap the scoreboard

11:33 Your strength or God's strength

17:41 Why debt and net worth make bad scoreboards

20:30 Assets under management (AUM)

23:41 Step 3: Mark the starting line

24:28 Our first number: -$13,843

26:46 Where we were one year later

29:09 Find your number (live exercise)

36:55 The four financial stages

42:20 Stage 1: Surviving

45:50 Stage 2: Stable

49:21 Stage 3: Secure

51:35 Stage 4: Surplus

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

"I'll give more when I make more."

Most of us have prayed some version of that. My guest today is a business owner who realized he had been living it.

Colby Jenkins can easily afford to give. And one day he noticed he hadn't heard God prompt him to give in a very long time. What God told him about why almost made him cry.

In this conversation we get into the two money tests almost every Christian faces (the vision test when you have less, and the obedience test when you finally have more), why "one more layer of security first" is the prayer that keeps us stuck, what your bank statement already says about your real vision for money, why God can go silent about your finances and what that silence might mean, and the one question Colby asks himself to tell whether a plan is from God or just from him.

Nothing here is a formula. It's a conversation about obedience, and about what it looks like to become a conduit instead of a vault.

We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

You can be totally at peace with God, doing everything right, and still not get the thing you've been praying for.

That one hit me hard.

Annie F. Downs sat down with me and Linda to talk about her new book, Don't Let That Hold You Back.

She's the host of the That Sounds Fun podcast, and she just got engaged after decades of being single.

We talked about the idea that if you just get content enough, God will finally hand you what you want.

She says that's not how it works, not even close.

We got into what the Bible actually means by abundant life, and why the enemy's real target isn't your bank account, it's your dreams.

We talked about her "board of directors," the people she lets speak into her biggest decisions instead of just asking ChatGPT.

And we talked about why our company shuts down for three whole months every summer, fully paid, and what that has to do with a verse about letting a field rest.

This one covers faith, waiting, money, and what it looks like to stop letting fear make your decisions for you.

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.

Here's a little of what we cover in this episode:

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.

Most of us pray about money. Very few of us ask God what to do with it and then sit still long enough to hear an answer.

This is Part 2 of our conversation with our friend Bryan, a business owner and honestly a spiritual mentor in a lot of ways. In Part 1 he showed us how a money idol hides in a phrase you say every day. This time he shows us the other side: what it actually looks like to hear God about a money decision, and what God tends to deal with before He builds anything.

In this conversation we get into the exact ten-minute practice Bryan's whole team uses to ask God what to do (a timer, a notebook, and four things to write down), what came out of it the first time twelve people tried it, why he believes everyone in the room hears something, why "you need $250,000 to do this" is usually money holding you hostage, the stuff in the basement God insists on dealing with first, why you should not rush to be a teacher, the million-dollar cabin God told them to buy with money they did not have, and the question Bryan can't shake: how many spots have I not been in because I didn't listen?

Nothing here is a formula. It's a practice, it happens in community, and Bryan argues against his own decisions the whole way through.

If you want a place to start, Linda and I wrote 30 Days of Prayer for Your Finances for exactly this: one short prayer a day to start asking God about your money instead of just worrying about it. Grab it at: https://seedtime.com/30DOP

Timestamps

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

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 one shift exposed a money idol he never knew he had, and it changed how he makes every financial decision since.

In this conversation we get into how to tell whether money has become your idol (it usually hides in a phrase you say every day), the two kingdoms your money can run on, a definition of financial freedom that has nothing to do with a dollar amount, and what happened when Bryan and his wife prayed about spending their last $12,000 and believed God said yes.

To be clear, there is real wisdom in "cash is king." This is not a takedown. It's a conversation about what sits on the throne.

We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M

Timestamps

0:00 Cold open and intro

2:57 The three words Bryan built his financial life on

3:51 The shower moment that flipped "cash is king"

7:30 Where the idol got built (and why he never saw it)

10:50 Two kingdoms, two operating systems

20:45 Money wants to give you what only God can

21:50 The stronghold you can't see

23:45 A definition of financial freedom that isn't a dollar amount

26:33 Nearly $1 million in cash to negative $3,000

29:46 The truck, and their last $12,000

31:59 Jesus math

34:01 You gotta ask God

41:19 "I have enough"

What we cover:

Here's a little of what we cover in this episode:

Bible Verses Mentioned:

Resources Mentioned:

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.

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:

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

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

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

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

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.

Here's a little of what we cover in this episode:

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.

>>> 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 through five biblical investing secrets most Christians have completely missed: the verse Solomon wrote down 3,000 years before a man named Harry Markowitz won a Nobel Prize for the same idea, why God rebuked a servant in Matthew 25 for playing it too safe, the Bible verse that describes Warren Buffett's entire patient-compounding strategy, the move every wealth advisor still preaches that came straight from Joseph in Genesis 41, and the generational vision in Proverbs that reframes a lot of what most Americans get wrong about money and family.

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.

Here's a little of what we cover in this episode:

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.

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, this one about our mortgage. The answer came back in a way I never would have written. Ten months later the mortgage was gone.

In this episode Linda and I get into the four reasons most Christians do not pray about money (and why all four are wrong), the five categories of prayer most of us have never named, the moment Linda figured out she could unload on God the same way she unloads on me, the prayer Joshua prayed that should reframe how bold we are willing to be, and the comment one woman left on our Instagram about a 'lowercase g' God that I have not been able to shake.

Here's a little of what we cover in this episode:

BIBLE VERSES MENTIONED

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.

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.

In this episode, we finally do the conversation we've sidestepped for almost two decades. We get into the difference between condemnation and conviction, why we treat tithing the same way we treat Sabbath, and the moment we corrected our giving and got a raise the very next day that exactly covered the gap.

This is not a shame episode. It's not a license episode either. It's where we've actually landed.

And 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.

Here's a little of what we cover in this episode:

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.

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 through the John Wesley framework we based our whole book on (make all you can, save all you can, give all you can — and enjoy it), the one number that tells you whether you're moving forward or backward financially, why net worth is actually the wrong thing to track as a Christian, the "Never 100 Rule" that changed everything for us, the one-category budget that works when every other budget fails, and what happened when we started giving in a way that felt irresponsible but resulted in our mortgage being paid off in three years.

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.

Here's a little of what we cover in this episode:

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.

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 get into a question Matt says nobody has asked him: what he's actually watched wealth do to people up close. We talk about the upgrade cycle most Christian families never name (and the bigger house Matt and Lauren refused to buy because of it), why the finish line always moves no matter how much you make, the diagnostic he gives for whether money is serving you or you're serving it, and what bad stewardship really does to the peace in your home.

And for more rich teaching on how to become more like Jesus check out his new book Becoming Like Jesus -

Here's a little of what we cover in this episode:

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.

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 where any of it went. And I have sat with families bringing in 40,000 who quietly become millionaires. It is not income. It is not pinching pennies. There is one specific thing that decides which side of that line you end up on.

In this episode, I'm walking you through the exact system Linda and I built that helped us give away over a million dollars by my 40th birthday and pay off our mortgage in the process. We get into why most extra money disappears before you ever see it, why holding water in your hands is the picture of money without a system, the simple framework we use for budgeting, bills, and automated giving and investing, and why the system itself is what made the miracles possible.

I will show you what Joseph storing grain has to do with your 401k, why pinching pennies is what people try when they do not have a system, and what to put in place so when extra shows up it actually has somewhere to land.

Here's a little of what we cover in this episode:

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.

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.

In this episode we walk through the four stages of money (surviving, stable, secure, and surplus) and the one mistake almost everybody makes when they try to jump from one stage to the next. We get into why "boring" is the actual investing strategy, why we wish we wouldn't have taken the raise, the bank-manager story that explains why the system is rigged against people in stage one, and the moment we finally figured out that the move that got us from stage one to stage two was the exact same move keeping us stuck in stage two for years.

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.

Here's a little of what we cover in this episode:

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.

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 put in and the 12.4% it returned.

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.

Here's a little of what we cover in this episode:

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.

Most of us have quietly convinced ourselves that busy-ness is a badge of honor.

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.

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 Sabbath really means as more than a day, how walking is a deeply spiritual practice woven all through Scripture.

His book The Rest of God is what started our practice of monthly sabbaticals 13 years ago, and this conversation took us somewhere we didn't expect.

Here's a little of what we cover in this episode:

Mark Buchanan's Books:

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.

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.

What if the problem isn't discipline — but a type of spending leak that even the most careful budgeters almost never catch?

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.

We talk about value decay (purchases that made total sense once, but quietly stopped serving you), what the average American home's 300,000 items tells us about how we buy things, and how this all connects back to what it really means to steward what God has entrusted to you.

This is a workshop-style episode, so grab something to write with.

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.

Here's a little of what we cover in this episode:

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.

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.

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 also talk about what Linda walked through after her mom died last year, and why the moments when you feel least able are sometimes the moments God does his most visible work.

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.

Here's a little of what we cover in this episode:

Matthew 14:13

Matthew 14:14

Matthew 14:23

Matthew 14:25

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.

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.

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.

Alex shares how a 20-year eating disorder rooted in unforgiveness, a $23 last-dollar miracle when she and her husband gave everything to move to America, and a word from a stranger about a "tissue box" that just keeps refilling shaped her understanding of what it actually means to walk with the Holy Spirit.

We also talk about why Linda used to go shopping when things got tight financially — and what the Holy Spirit revealed was really going on underneath that.

Here's a little of what we cover in this episode:

Acts 1:8

Isaiah 1

John 14:16

Romans 8:28

1 Peter 5:7

Philippians 4:13

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.

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 -

Identify which test you're in right now - Are you struggling, experiencing surplus, or in a stable season? Create your modern "stack of stones" - Write down a timeline of how God has provided for you in the past Do a self-evaluation - How are you handling your current test? Ask God for wisdom - Is this a season to rest or a season to take action? Set up structures for surplus - Consider implementing the "50/50 rule" for future raises

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sMnrFh6o2Ls)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

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

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ls_6kLhS2rY)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

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 predicting the end of the dollar. It's about wisdom, stewardship, and preserving the value of what God has entrusted to us so we can live generously and faithfully over the long term. In this episode, we cover:

Go deeper:

If you want a deeper, step-by-step breakdown of how Bob thinks through gold, Bitcoin, and long-term investing from a Christian perspective, check out the 10x Investing Course mentioned at the end of the episode (https://seedtime.com/10x).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/euzv8IC40R0)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

When money is tight, a budget can feel like punishment. Like proof you messed up… or worse, proof your faith is weak. But what if that's backwards? In this episode, Bob and Linda flip the script and show why a budget isn't evidence of failure—it's evidence of faith in action. Drawing from Scripture, psychology, and real-life stories, they unpack why budgeting is actually a weapon God gives us in seasons of financial pressure. If you've ever thought, "If God would just fix this, why do I need a spreadsheet?"—this conversation is for you. In This Episode, You'll Learn:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/VW6BGb25wCk)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Get Your Spirit Back: Breaking Free from the Lies Holding You Back - with Pastor Earl McClellan What if the biggest thing holding you back isn't your circumstances… but the lies you've believed about yourself? In this powerful, deeply honest conversation, Bob & Linda sit down with Pastor Earl McClellan, lead pastor of Shoreline City Church and author of Get Your Spirit Back, to talk about negative self-talk, fear, calling, identity, and what it really looks like to walk by faith when you're scared. This isn't a hype-up, "just believe harder" episode. It's a grounded, biblical, and deeply human conversation about doing what God's calling you to do even when you don't feel qualified — and learning to see yourself the way God sees you, not the way others have labeled you. If you've ever felt stuck, hesitant, intimidated, or like you're living beneath your potential, this episode is for you. In This Episode, You'll Learn:

"Where am I really?" "Who told me this about myself?"

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Yahvsl-ry0I)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

A viral clip claims something shocking: any pastor who gets paid by a church will eventually be corrupted by money. It's a bold accusation — and honestly, harder to dismiss than you might think. In this episode, Bob and Linda watch the clip, slow it down, and wrestle with the real tension underneath the claim. Is the modern church system broken? Does money inevitably compromise spiritual leadership? Or is this another example of painting faithful people with too broad a brush? This conversation isn't defensive or dismissive. It's thoughtful, biblical, and honest — especially for anyone who's experienced church hurt, wrestled with money in ministry, or wondered how pastors are actually supposed to live. In this episode, we discuss:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lXTSQrNK9wE)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

What if obedience doesn't lead to the breakthrough you expected? Andy and Serena Ryan did "the right things." They took a biblical money course. They committed to tithing. They tried to steward their finances faithfully. And then everything fell apart. They lost income. Fell behind on rent. Needed food pantries and church assistance. And eventually—after months of praying for a miracle—they packed up their family and moved into an RV in someone else's backyard. This episode isn't a prosperity story. It's a surrender story. In one of the most vulnerable conversations we've ever had on the podcast, Andy and Serena share how their financial collapse became the very thing God used to reshape their hearts, heal their marriage, humble their pride, and prepare them to steward money in a way they never could before. Their turnaround didn't come from a check in the mail. It came when they stopped clinging to how they thought life had to go—and released it to God. In this episode, we talk about:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/JIdhLJ68Eoo)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Most Christians agree that materialism is bad… but few of us have ever connected the clutter in our garages to the condition of our hearts. In this episode, Bob sits down with Joshua Becker (author of Uncluttered Faith and founder of BecomingMinimalist.com) to explore a provocative idea: what if consumerism isn't just a money issue—but a spiritual one? Joshua makes the case that the things we own—and the things we want—may be quietly choking out our fruitfulness, distracting us from God's best, and stealing time, energy, and joy we didn't realize we were losing. And yes… we even ask the question: Is your Amazon cart spiritual warfare? In this conversation, you'll discover:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/257_beM66U8)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Is God Warning Us About AI? The Biblical Case for Preparing Now! Before every major disruption in Scripture—famine, flood, exile—God warned His people first. Those who listened didn't just survive… they thrived. So what if we're living in one of those moments right now? In this episode, Bob and Linda wrestle with a question many Christians are quietly asking: What does the rise of AI mean for our work, our finances, and our faith—and how should God's people respond? This isn't fear-based. It's faith-filled preparation. From Joseph storing grain before the famine, to Noah building the ark long before the rain, to Jesus warning His followers before Jerusalem fell—Scripture shows a consistent pattern: preparation is not a lack of faith; it's often the clearest expression of it. In this episode, we cover:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ZVRvsMDC8wc)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

What if wealth isn't about luck, connections, or hustle—but about how you think? In today's episode, we unpack a fascinating story of a 17-year-old dishwasher who spent a decade working inside a high-end country club alongside ultra-wealthy members. What he learned completely dismantled common assumptions about rich people—and surprisingly, many of his lessons line up directly with Scripture. Bob and Linda walk through 7 mindset shifts that separate people who grow wealth from those who stay stuck, and why renewing your mind around money may be the most biblical financial move you can make. This isn't about chasing money—it's about becoming the kind of person God can trust with more. Episode Highlights 1. Rich people aren't greedy—greed is the problem Money doesn't change your heart; it amplifies what's already there. When we believe "all rich people are greedy," we subconsciously sabotage our own growth. 2. Be cool (aka: be kind) True wealth shows up as humility and generosity toward those earlier on the path. Kindness is influence. 3. Wealthy kids inherit a mindset before they inherit money What did you inherit about money growing up? Limiting beliefs can be rewired—especially through God's Word. "For as he thinks in his heart, so is he." —Proverbs 23:7 (NLT) 4. You don't need school to be successful—but you do need wisdom Education matters, but obedience to God matters more. College doesn't guarantee provision—God does. 5. Stop chasing money; start creating value Money is a result, not a target. It's simply a reflection of the value you bring to others. 6. Money is a learnable skill You don't have to be "good at math" to be good with money. One book, one framework, one habit can radically change your financial future. 7. Focus on becoming who God created you to be Growth, wisdom, and Christlikeness compound over time—and so does stewardship. Key Scriptures Mentioned (NLT)

Identify one limiting belief you inherited about money. Find one biblical truth that directly contradicts it. Learn one practical thing about how money actually works (book, podcast, or Scripture).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ReosyCIO5zY)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

In this episode, Bob and Linda unpack spiritual habits found in Scripture that quietly shape financial outcomes—habits that have nothing to do with spreadsheets or hustle culture, but everything to do with becoming the kind of person money can be trusted with. These aren't the usual "Christian money tips." They're deeper. And once you see them, you can't unsee them. 🔑 What You'll Learn in This Episode Bob and Linda walk through 7 overlooked spiritual disciplines that directly affect how we earn, spend, save, and steward money:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lcpak8giDn4)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Spiritual abuse around money almost made us stop giving altogether. We've seen manipulation from the pulpit. We've witnessed leaders mishandle funds. We've felt the tension between honoring God and distrusting institutions. And yet… we still tithe. In this episode, Bob and Linda have an honest, nuanced conversation about why they chose not to let other people's failures steal something God wanted to use for their freedom. This is not a legalistic defense of tithing. It's a heart-level conversation about obedience, trust, healing, and separating God's command from human hypocrisy. If you've ever thought:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/0ECDgwsssrs)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

What if the clearest wisdom for living well only shows up at the end of life? After spending 15 years in hospice care, one nurse noticed a haunting pattern: when people are dying, the masks come off—and they all say remarkably similar things. Regrets. Realizations. Truths they wish they'd acted on sooner. In this episode, Bob & Linda unpack the 7 life lessons repeated again and again by people on their deathbeds—and how we can live differently now, without waiting for "someday." This isn't about morbid curiosity. It's about clarity. "Teach us to number our days, that we may gain a heart of wisdom." — Psalm 90:12 (NLT) What You'll Learn 1. "I should have loved more—and differently" Why winning arguments often costs us relationships—and how to choose kindness before it's too late. 2. Forgiveness brings freedom (even physical peace) Stories of people who couldn't let go… until their final moments—and why forgiveness may be more urgent than we think. 📖 Matthew 6:14–15 (NLT) 3. Presence is the greatest gift you can give Why distraction is the modern disease—and how being fully present matters more than anything you can buy. 4. "I saved my joy for later… and later never came" The trap of someday living, money, and the tension between saving wisely and actually enjoying life. 5. The best things in life were free Dying people didn't miss achievements or possessions—they missed ordinary moments they were too busy to notice. 6. Regret comes from what you never tried Why people don't regret failure—they regret playing it safe and never starting the thing. 7. Peace comes when you stop pretending What happens when image management finally falls away—and how to live with that freedom now.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/J43rtDyLzEs)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

In today's episode, Bob & Linda explore one of the most overlooked spiritual tests in the Christian life: how to stay dependent on God in the midst of blessings.

Drawing from Joshua 11, they unpack the strange moment where God tells Israel to hamstring the horses and burn the enemy's chariots—the ancient equivalent of destroying tanks after a battle. Why would God command that? Because victories can be just as spiritually dangerous as trials.

Through personal stories—from unexpected financial provision, to early blogging years, to painful seasons of health challenges—Bob & Linda reflect on how easy it is to place trust in the "chariots" of modern life: savings accounts, credit cards, systems, friendships, therapy, comfort, or even spiritual routines.

This episode is an invitation to ask the Holy Spirit: "What chariot in my life have I started to rely on more than God?"

It's a vulnerable, practical conversation about dependence, provision, and the subtle ways our security can shift from the Lord to the blessings He provides.

(Scripture from NLT.)

00:00 — The surprising test after a breakthrough

02:00 — Why did God tell Joshua to burn chariots?

04:15 — Dependence vs. self-reliance when life is going well

06:30 — Modern "chariots": money, comfort, systems, relationships

10:00 — A real inheritance story: when provision can become a trap

11:00 — Bob's personal story: the blog, losing his job, and losing their "income lifeline"

13:30 — How challenges can strengthen faith more than comfort

15:00 — Jesus' exhausting day: grief, ministry, storm

17:00 — Joshua vs. Solomon: a tale of two responses

20:00 — Is God asking you to lay something down?

25:00 — Guided prayer: "Lord, show me my chariots"

26:30 — Final verse + encouragement

Ask the Holy Spirit to reveal ONE "chariot" in your life—a place where you've subtly shifted trust from God to a tool, resource, or comfort.

Write it down and pray:

"Lord, show me how to surrender this and depend on You again."

If you want help building money systems that support your trust in God rather than replace it, visit our SeedTime Money Resources Page for our latest guides and tools.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/4bPH1z_soAs!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Jesus said, "Don't let your left hand know what your right hand is doing." But does that really mean Christians should never talk about giving? In this episode, Bob and Linda tackle one of the most misunderstood passages in the Bible—and why misreading it has quietly hurt generosity, discipleship, and spiritual growth in the church. Sparked by a viral clip referencing Matthew 6, they walk through what Jesus was actually addressing (motive, not visibility), why public generosity shows up all over Scripture, and how sharing testimonies—when done with the right heart—can inspire radical obedience in others. This isn't about bragging. It's about obedience, clarity, and letting God get the glory. What You'll Learn in This Episode

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/en12Gf9uDCU)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Most of us were taught that faith means "trying really hard to believe" — especially with our finances. But in the Bible-study-style episode, Bob & Linda unpack Hebrews 11, Romans 10:17, and Jesus' "abide" teaching to reveal a surprising truth:

👉 Biblical faith isn't mustered. It's received.

And once you see that, anxiety shrinks, striving stops, and finances shift.

Join Bob & Linda as they walk through their own misconceptions about faith, why effort-based Christianity wears us out, and how to let God grow real, evidence-bearing faith in your financial life. This one is equal parts devotional, Bible study, and super pracitical conversation.

Resource Mentioned 📘 Prayers for Finances (Free PDF) — Scripture-based declarations to build faith in your money life. Grab it at: SeedTime.com/prayer

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today, Bob & Linda open up about one of the hardest seasons of their marriage — a months-long battle over a life-altering decision that left them in tears, confusion, and deep disunity. What they learned in that painful stretch has become the backbone of how they help couples navigate money disagreements today… especially when one spouse feels called by God to give and the other isn't on board.

If you've ever wrestled with:"What do I do when I feel God nudging me to give — but my spouse isn't there?"…this episode will minister to you deeply.

Together, they unpack four biblical principles for staying unified, honoring God, and discerning His timing — without forcing agreement or abandoning conviction.

✔️ The Lowe's Parking Lot BreakdownBob shares the raw story of the only moment he thought their marriage might not make it — and how God used that season to refine both of their hearts.

✔️ Why the enemy always pushes "either/or" thinkingAnd how God always has a third option you haven't seen yet.

✔️ What to do when you feel called to give… and your spouse doesn't.A practical, grace-filled approach that protects unity and honors conviction.

✔️ The timing principle: when a word from God is real, but not for right now. A simple budgeting tool that can reduce giving conflicts instantly:Using individual "spending money" accounts without hiding money.

✔️ How to pray when you're frustrated, angry, or absolutely sure you're right.(With two real prayers Bob & Linda actually use.)

Set aside one night to pray.

If your spouse is not a believer or unwilling: Pray alone and gently reaffirm to them, "I'm not going to move forward without your blessing."

Then… go on a date. Restore friendship first.

Bob & Linda Lotich help Christians transform their finances through biblical wisdom, simple systems, and a heart for generosity. Follow for practical steps, honest stories, and hope-filled conversations about money & purpose.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Everyone online makes entrepreneurship look like the ultimate path to freedom—but the truth is far more complicated.

After 18 years of building SeedTime, Bob & Linda open up about what most people never say out loud: the failures, the mental load, the pivots, the spiritual battle, and why starting a business isn't automatically God's will for everyone.

If you're dreaming of quitting your job… or you already have a business and feel the weight of it… this honest, hope-filled conversation will help you discern your next step with wisdom, peace, and biblical grounding.

What We Cover

✓ The employee dreaming of quitting a job they hate ✓ The entrepreneur who feels tired, discouraged, or unseen ✓ The Christian wrestling with calling, purpose, or career direction ✓ Anyone wondering, "Is entrepreneurship really for me?"

Know someone wrestling with career decisions or dreaming about starting a business? Send this their way—they'll thank you later.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Pastor and bestselling author Mark Batterson joins Bob to unpack one of the most misunderstood principles of growth: the way breakthroughs actually happen—gradually, then suddenly.

From Warren Buffett's compounding to Jim Carrey's famed $10M check, to the long arc of ministry, writing, generosity, and family life, this conversation is a hopeful reset for anyone who feels "behind."

00:00 — Why get-rich-quick thinking never works

01:00 — Introducing Mark Batterson & the story behind Gradually, Then Suddenly

02:00 — What 95-year-olds regret most

04:00 — The "25-year time machine" for parenting and life

05:00 — Why we plan vacations better than our futures

07:00 — The power of long-range thinking (and why it's so rare)

08:00 — Why most people quit right before the breakthrough

10:00 — Bob's 10-year book launch strategy

12:00 — Early results vs. long obedience

14:00 — The myth of the fast start: Circle Maker sales + slow beginnings

16:00 — Teaching a generation to love "gradually"

19:00 — Mark's 29-year pastoral journey and miraculous property story

21:00 — Why NCC's venue generates $2M/year

24:00 — What church leaders can learn from marketplace strategy

28:00 — Jim Carrey's $10M check and the power of a grand gesture

29:00 — Bob's five-year giving goal that changed everything

32:00 — How giving goals open doors for God to move

34:00 — What to do with dreams that are taking too long

35:00 — Closing encouragement + where to get the book

Please leave a rating & review — it helps more people discover the show and live with biblical wisdom about money, purpose, and calling.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this tender, emotional episode, Bob and Linda open up about a simple idea that completely reframed how they parent: the "$50,000 Moment."

It started with a story Bob read — one so moving he couldn't finish it without crying — about a dad who imagined paying $50,000 to relive a single bedtime with his 10-year-old. That thought experiment changed him, and now it's changing the Lotich household too.

If you're a parent (or even if you aren't), this episode will recalibrate how you see the people in your life and remind you of the beauty tucked into ordinary days.

You won't realize the value of a moment until it's gone. Bob shares how he can no longer remember what his now-11-year-old sounded like as a six-year-old—and how that realization hit him like a ton of bricks. Future you would pay anything to get today back. The "time-machine thought experiment" reframes bedtime, routines, and interruptions as priceless opportunities. Presence is a form of love—and discipleship. Looking at the way Jesus interacted with people, we see an invitation to slow down and be with those around us. This isn't just about kids. Parents, friends, coworkers, church community members—none of us are guaranteed another moment together. You don't have to create regrets. You can create reminders. Bob calls them $50,000 moments—a cue to pause, breathe, and fully engage.

If you know a parent in the thick of it, or someone who needs a reminder to slow down and savor what matters—send this to them.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/NxkG0_o62-0)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Just a 4-minute little reminder today! What if one short, 29-word sentence from the Bible could shift the atmosphere in your home, change how you see your finances, and remind you that God Himself has placed His name on you?

In this episode, Bob & Linda dive into the Aaronic blessing from Numbers 6 — a prayer that God commanded to be spoken over His people. You've probably heard it before, maybe even sung it in church, but chances are you've never fully realized its power in your daily life

📖 Scripture highlight: "May the Lord bless you and protect you. May the Lord smile on you and be gracious to you. May the Lord show you His favor and give you His peace." (Numbers 6:24–26, NLT)

💡 This week's action step: Speak the Aaronic blessing out loud once a day—over yourself, your family, or your finances. Notice how it shifts your mindset and brings peace.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

In this episode, I sat down with PJ Vescovi — financial advisor, pastor, and author of The Great Money Reform — and this one's going to challenge you in the best way possible.

We dove deep into the 5 keys to being a truly good steward, not just in theory, but in daily decisions. PJ's insights are fire — especially his stories around radical generosity, godly work ethic, and the real reason you're not walking in financial freedom.

This isn't your average money conversation. This is faith, finance, and focus colliding in a way that'll leave you rethinking how you spend, give, invest, and even parent.

If you've ever asked:

"How do I know if I'm being obedient with my money?"

"Am I managing my finances with intentionality, or just winging it?"

"Why is God calling me to give something that doesn't make sense financially?"

Then this episode is your blueprint.

Resources & Links Mentioned:

PJ Vescovi's book: The Great Money Reform — https://amzn.to/4qOTuN0

Necessary Endings by Dr. Henry Cloud — http://amzn.to/3XMPfA0

Atomic Habits by James Clear — https://jamesclear.com/atomic-habits

Get our award-winning book Simple Money, Rich Life — http://seedtime.com/free

Let's be a generation that stewards well — not just for ourselves, but for the Kingdom.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/pCExM8e7A18)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

71% of Americans admit they're losing sleep over money—but Jesus already gave us the cure in the most famous sermon ever preached.

In this episode, Bob and Linda unpack the surprising connection between mammon, anxiety, and misplaced treasure—and share the one simple prayer that can break financial fear and open the door to God's peace and provision.

They walk through Matthew 6:19–34, revealing how birds and lilies understand something most believers forget: your value isn't in what you own—it's in who owns you.

What You'll Learn:

Scripture References (NLT):

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/BkqokuEOHM8)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if the greatest danger in our giving isn't how much we give—but why we give?

In this episode, Bob and Linda unpack one of the most shocking stories in Acts 5: the tale of Ananias and Sapphira.

Why did God respond so severely—and what does it reveal about our own struggles with wealth, legacy, and generosity? Together, we wrestle with the tension between leaving an inheritance (Proverbs 13:22) and practicing radical generosity (Acts 4, Matthew 6:33).

You'll hear how this tension has played out in our own finances, and we'll share a 4-part framework to help you align your money with God's priorities—without guilt, fear, or legalism.

What You'll Learn in This Episode:

Scripture Anchors (NLT):

Listen & Share:

If this conversation challenged you, would you share it with a friend? Let's normalize radical obedience and kingdom generosity in today's world.

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/_AonHZ0jWnk)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot.

Bob & Linda share how they're teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life.

You'll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between "nudging" kids toward giving vs. letting them choose it themselves.

By the end, you'll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them.

What You'll Learn in This Episode:

Key Scriptures Mentioned:

Resources & Links:

Action Step This Week:

If your teen has income—whether it's $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.

Subscribe & Review:

If you enjoyed today's episode, hit subscribe so you don't miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-3g3ym6JndI)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Over the last few weeks, there's been so much talk about the Charlie Kirk tragedy.

But as I've listened to all the commentary, I realized—no one's talking about this.

We didn't want to make another video about what happened.

We wanted to talk about what Jesus actually modeled when something unthinkable happens… and how that applies to us right now.

This episode honestly challenged both of us deeply. It's one of those conversations where you feel the tension between what feels fair… and what faith actually calls us to do.

We're not trying to debate headlines. We're just asking—what does it look like to follow Jesus when it really costs something?

It's easy to pray for victims. It's supernatural to pray for the ones who caused the pain. But that's exactly what Jesus modeled—and when we do, we invite heaven into places the world wants to keep dark.

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/-wbON8CU8gU)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

Most people think wealth is about earning more. The truth? It's about the patterns you repeat every day.

In this episode, we break down 10 specific patterns that predict whether you'll be broke or wealthy 10–20 years from now. These aren't obvious mistakes like "don't buy lattes." They're subtle, sneaky habits that quietly lock people into financial struggle… or quietly compound into freedom.

Here's what we cover:

This is the episode I wish every 20- and 30-something could hear. But truthfully, even people in their 40s and 50s are still making these mistakes.

Resources Mentioned:

👉 If you found this valuable, share it with a friend, drop a comment, and subscribe. Let's break the broke patterns together.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2gGSV37k5_w)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This episode hit me hard. We cracked open 2 Kings 4—the story of the widow, her debt, and the jars of oil—and I realized it's not just about a miracle… it's about God's system for provision.

Most of us pray for breakthrough but miss the order: 👉 Ask 👉 Obey 👉 Sell (work the miracle) 👉 Pay debt 👉 Then live on the overflow

The widow didn't just receive money from heaven. She started what might be the first side hustle in the Bible. And her story shows us exactly why so many of us feel like God's provision "isn't working."

Here's what we unpack in this conversation:

If you've ever wondered why God seems to bless others but not you, this episode may flip everything you believe about money and miracles upside down.

Resources & Mentions:

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sW8cBM0EmkI)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Money advice is everywhere. But not all of it sticks.

In this episode, Linda and I unpack seven pieces of financial wisdom a friend of mine shared that literally changed his life. Some came from mentors, some from experience, some from mistakes—but all of them can save you years of stress and struggle.

By the end of this episode, you'll walk away with practical steps and timeless wisdom to reframe how you see money—so you can stop stressing and start stewarding.

Resources & Mentions:

👉 Now it's your turn: what's the best piece of financial advice you've ever received? Drop it in the comments—we'd love to hear!

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KpOeTnM25fg)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Pride is sneaky.

It hides behind our success. It masks itself as "spiritual maturity." It even whispers, "Look at how humble you are."

And if we're not careful, pride will be the very thing that takes us out.

In this episode, Linda and I unpack a conversation with John Bevere that completely reframed how I see wealth, success, and following Jesus. We dive into the #1 thing that's quietly destroying successful Christians — and why humility isn't just a virtue, it's survival.

Here's what we cover:

If you've ever asked yourself: How do I grow in success without letting pride creep in? …this episode will shake you up in the best way possible.

Resources mentioned in this episode:

👉Whether you're already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/5QB0l85R-CE)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We thought our story was set. For 13 years, we gave our age as a percentage of our income. It became who we were. People knew us as that couple. Our mortgage was paid off in 10 months. We wrote books about it. We spoke on stages about it. We shared the miracle everywhere.

And then—God asked us to stop.

This episode is not about numbers. It's about obedience. About what happens when the thing God once asked you to do becomes an idol. About the courage it takes to release your identity and follow Him into a new season.

Here's what we cover:

This isn't a "how-to." It's an invitation. Ask God: What do you have for me now?

Resources mentioned in this episode:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/k_AjnAwFzl4)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This episode was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home.

Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it.

In this episode, we break down 10 money wasters that sneak into your life:

If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.

Resources Mentioned in this Episode:

We'd love to hear from you! Email us at bob@seedtime.com or linda@seedtime.com with the money wasters you've spotted in your own life.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/gxz9X4MuJSc)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if being "too good" at saving and stewarding money is actually holding you back from obedience to God?

In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would've called it foolish—but their "irresponsible obedience" led to one of the most important divine encounters of their lives.

We'll unpack:

If you've ever wrestled with the tension between "wise stewardship" and radical obedience, this conversation is for you.

Resources Mentioned:

👉Share this with someone who needs the reminder that obedience always outweighs "responsible" stewardship.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Z5pHkOGfcco)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We almost missed out on an $8,000 furniture set for just $1,000 — because of one dangerous mindset: "You get what you pay for."

This episode isn't really about chairs — it's about how this deeply ingrained belief system can keep us from receiving what God wants to lavish on us. Grace, provision, salvation — none of them came because we "paid enough." And if we don't learn to think differently, we may keep scrolling right past the blessings God has for us.

We dive into:

The Restoration Hardware deal that exposed this limiting belief

Why the Kingdom of God doesn't follow "earthly" formulas

How to discern between scams and supernatural provision

The mindset shift that could unlock the next level of your life

How curiosity (not fear) positions you to receive

And yes, we get real about marriage, furniture, and being shrewd with money — all while staying Kingdom-focused.

👇Resources we mentioned:

Our book: Simple Money, Rich Life — Get a free copy (just cover shipping): http://seedtime.com/free

Facebook Marketplace — Yes, really. This episode proves it's worth another look.

Bible reference about being "wise as serpents, innocent as doves" — Matthew 10:16

Join us as we tear down the limiting beliefs that hold back abundance — not just financial, but spiritual, emotional, and relational.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel(LINK NEEDED)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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's what we cover:

The exact prayer that broke a 9-year block (and how quickly God moved after)

Why your words matter more than you think — especially in areas like money, health, and family

How we unknowingly came into agreement with lies — and what the Bible says about this

Why asking God what you've agreed with might be the most important thing you do today

How this idea translates to your financial situation and mindset

Whether you're struggling with finances, waiting for a promise, or wondering why certain things never seem to break through — this episode is for you.

Try This: After listening, ask the Holy Spirit:

"Is there anything I've come into agreement with that I need to come out of?"

Mentioned Resources:

Our book: Simple Money, Rich Life — Get your free copy here: http://seedtime.com/free

Scripture References:

Proverbs 18:21

Mark 11:23

James 4:3

John 15:7

Romans 10:

Ezekiel 17

1 John 5:14-15

Philippians 4:6

Want to go deeper? Join our newsletter & get weekly encouragements on faith + finances: http://seedtime.com/newsletter

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/hBp9kr-ShPg)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 diagnosed with a tumor and went to heaven just four months after that.

And here's what I discovered - while you're focused on what's not happening, you're missing what God is actually doing in the situation. Because I used to think grief was just sadness, but it's actually more like a circle that never shrinks - your life just grows bigger around it.

So today I'm sharing five specific lessons that completely changed how I see God, community, prayer, and relationships. Because if you're walking through loss, struggling with finances, dealing with marriage issues, or facing any kind of difficulty, these insights could transform how you experience God's presence in the middle of it all.

This is one of the most personal, emotional episodes we've ever recorded. And if you're grieving, or have someone in your life who is, I hope this encourages you like only God can.

Resources Mentioned:

🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dOCvyYiKyMo)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if I told you the same ounce of gold that could buy 400 loaves of bread today… could've done the same 2,000 years ago? In this episode, we break down the ONE chart that completely shifted how I think about saving, inflation, and long-term wealth. I've spent over 17 years investing—and I pretty much ignored gold… until this blew my mind. You'll learn:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/DegCJN91unA)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 impossible.

We covered:

This conversation hit hard. Whether you're grieving, feeling stuck, or wondering how to walk through something that just broke your heart—you're not alone, and there's a way forward.

Resources Mentioned:

🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (LINKhttps://youtu.be/tMrM3xcg5MM)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 don't reflect the heart of God.

We break down 1 Timothy 6:17–19 and show how Paul gives us a framework for wealth that isn't about prosperity or poverty — it's about purpose.

In this episode, we cover:

🔍 This is for the Christian who's tired of hearing two bad takes on money — and is ready to discover what the Bible actually says.

—

📚 Resources Mentioned:

🛠️ Connect with us on socials:

🎯 Your challenge this week: Write a family wealth purpose statement. Ask yourself — what are we called to do with the money God has entrusted us with?

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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.

We break down:

This one gets real. Real personal, real biblical, and real practical.

🎁 Free Resource Mentioned:

👉 Get our book Simple Money, Rich Life FREE (just cover shipping): http://seedtime.com/free

💡 Resources Mentioned:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

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:

This isn't financial advice—it's soul-searching. If you've ever felt tension about having too much… or too little… this episode will give you clarity.

📚 Resources Mentioned:

📩 If this message stirred something in you, share it with a friend. The Church needs a better theology of money—and it starts with conversations like this.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

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:

Resources Mentioned:

👉 Subscribe, share, and don't miss the next episode in this series—we're going to talk about gold, the golden calf, and what it really means for how we use our money.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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:

What the Prosperity Gospel gets right—and dangerously wrong

How the Poverty Gospel subtly creeps in as "humility"

The parable that changed everything for us

The biblical third way no one talks about enough

How prayer can shift false teachers more than criticism ever could

Why stewardship (not ownership) is the core financial principle of Scripture

How even Mother Teresa modeled biblical abundance through simplicity

If you've ever struggled to reconcile your faith with your finances… this episode is for you.

Resources Mentioned:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 soft summer.

We get into the nitty gritty:

The custom GPT we built for flipping items on eBay

The podcast producer GPT that writes our show notes

How AI helps with planning RV trips and killing poison ivy

Why we believe AI may become humanity's greatest idol—and how to stay grounded in God's Word

Plus, Linda's surprisingly useful fashion hacks (involving NASCAR outfits)

We talk faith, tech, and real life with all its messiness and nuance. And yes, we still believe God's revelation always beats information.

If you've been wondering what does this actually look like in daily life?, this is the episode.

Resources Mentioned:

ChatGPT by OpenAI

Claude by Anthropic

Great AI debate between Christian leaders: https://overcast.fm/+ABHd1mRWhAI

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Ra0lk-nOt0g)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 thermostat, and what your savings account might be saying about your heart.

In this episode, you'll learn:

Mentioned Resources:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_iwhObTFD7I)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 "good".

We dive into:

Resources Mentioned:

👉 Got questions or thoughts? Hit us up—we're always listening.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/zCvSDN8qKV4)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 never touched ChatGPT in your life).

What we cover:

We also talk about how this intersects with parenting, homeschooling, and staying grounded in a tech-driven world.

This isn't just about learning a tool — this is about stewardship of opportunity.

Resources Mentioned:

"I am a [insert job or role]. What are 3 repetitive tasks AI could help with, and how could that improve income or free time?"

AI Series:

AI and the Bible - Part 1: Is Artificial Intelligence Replacing Our Faith? https://seedtime.libsyn.com/ai-and-the-bible-part-1-is-artificial-intelligence-replacing-our-faith (or watch this episode on YouTube: https://youtu.be/BoYjvHvyzFA)

AI and Money - Part 2: Why 40% of Jobs Might Be Gone in 10 Years — And What To Do About It https://seedtime.libsyn.com/ai-and-money-part-2-why-40-of-jobs-might-be-gone-in-10-years-and-what-to-do-about-it (or watch this episode on YouTube: https://youtu.be/pcsUkL2In9A)

And if you're curious about how we're using AI in our biz or want a deep-dive on tools/workflows, shoot me an email: bob@seedtime.com

Let's not sit back and get swept away by this wave. Let's learn to surf it — with God at the center.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/HA6T66ZTLdQ)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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.

Here's what we talk about:

This isn't doom and gloom. It's preparation. And it's faith-forward. Let's run toward this like David ran toward Goliath. 💥

Resources Mentioned:

Stay encouraged. Stay aware. And stay close to the One who holds it all together.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/pcsUkL2In9A)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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:

Whether you're a tech-savvy believer or a skeptical scroller, this episode will help you think deeply—and biblically—about the tech shaping our world.

Mentioned in this episode:

Got thoughts, questions, or helpful links? Email me at bob@seedtime.com — I'd love to hear from you.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/BoYjvHvyzFA)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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:

We're praying this episode helps you walk into the kind of financial freedom that leaves a legacy. Let's thrive, not just survive. 👊

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/xwosAsFDhMs)!

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?

In this episode, we zoom way out and unpack the other perspective. The one you're not hearing. The one that doesn't sell fear, but maybe offers… a little bit of hope?

We get into:

What tariffs actually are (yes, we break it down plain and simple)

Why reciprocal tariffs aren't necessarily "bullying"

The surprising benefits most media outlets are ignoring

How this could affect YOU: jobs, taxes, prices, and your kids' future

And yes… we even touch on the real reason so many Americans are uncomfortable right now.

This isn't about politics. This is about understanding the full picture—and getting equipped to respond with wisdom, peace, and practical steps.

Resources Mentioned 🎥 Victor Davis Hanson clip: Find it here Other clip: Find it here. 📖 Bible Reference – 1 Timothy 2:1-2 (Praying for leaders): 📖 Isaiah 41:10 📖 Matthew 6 📈 Boston Fed economic data: https://www.bostonfed.org (search tariffs + inflation)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 powerful episode, we break down:

This isn't about sitting around waiting for God to drop blessings from the sky. It's about living like Joseph in Egypt — wise, prepared, generous, and positioned for impact when the world starts shaking.

We're not waiting for a miracle. We're becoming one.

📚 Mentioned Resources:

💬 If this episode challenged your thinking or helped shift your perspective — share it with a friend who needs to hear it. And if you haven't yet, a review on iTunes or Spotify goes a long way in helping us reach more listeners. 🙌

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/bdWUSFq3VQA)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 of us don't even realize it's happening. From how we're taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call.

💡 We break down:

📚 Resources & Tools Mentioned:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/63aBPTZcGFA)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

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 take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in $11K. I share my raw, unfiltered journal entries from that time and the powerful realization that pulled me out of the pit.

If you're in a season where you're wondering if God is still moving in your life, this is for you.

💡 Resources Mentioned:

Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free

🙌 If this episode encouraged you, send it to a friend who needs to hear it.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2kSwpTUjops)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Jamie Winship is back. Kind of. We are sharing pieces of a talk he gave where he shared some powerful insights about how he thinks about money. We loved them so we wanted to share them with you! What happens when God takes away everything you thought you needed? What if the greatest financial lesson isn't about making more but trusting more?

In this episode, we explore how God provides in ways we could never predict—whether it's cash mysteriously appearing in a newspaper, a stranger covering a need at just the right moment, or learning the hard lesson that we can't out-give or out-risk God.

We also share our own financial journey—times of abundance, times of struggle, and the unexpected ways God has shown up through it all. If you've ever wrestled with financial insecurity, struggled with trusting God in your provision, or just want to hear some mind-blowing testimonies of faith in action, this episode is for you.

What You'll Learn in This Episode:

Why money can be one of the biggest barriers to truly trusting God

How Jamie Winship and his family lived for two years with zero income and saw God provide

The sneaky ways financial security can shift our trust away from God

The power of childlike faith when it comes to provision

Why you can't out-risk or out-give God

How to break free from the world's financial norms and live in God's economy

Resources Mentioned:

Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free

Jamie Winship's Full Message: https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2

Jamie Winship's Website: https://identityexchange.com/

George Müller's Story – A classic example of radical financial faith: https://georgemuller.org/devotional/a-famous-story-about-mullers-faith

Join the Conversation: How has God provided for you in unexpected ways? Share your testimony with us in the comments or DM us on Instagram @Seedtime. We'd love to hear how He's been moving in your life!

Don't forget to subscribe & leave a review! If this episode blessed you, share it with a friend who needs to hear it. 🙌

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Yl-3FQFH1FU)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Hey friend! It is Linda driving this one today! And most of us know Jehovah Jireh as "The Lord Who Provides"—but what if we've been missing something even deeper?

In this episode, I sit down with Shelly Griffin, a Biblical scholar and dear friend whose understanding of God's names will challenge everything you thought you knew about faith, surrender, and divine provision.

We dive deep into:

The hidden meaning of "Jehovah Jireh" that changes how we see God's provision.

Why God doesn't just see—He sees TO IT.

The gut-wrenching story of Abraham and Isaac and why it makes no sense… until it does.

How God's timing is never random—He provides in the exact moment we need Him.

The personal struggles, modern-day tests of faith, and why surrender is the key to experiencing God's presence.

If you've ever wondered:

"Why would God ask me to give something up—especially something He gave me?

Why does obedience feel so costly sometimes?"

"How can I know if God will REALLY provide?"

This episode will give you answers—and maybe even wreck you (in the best way).

Resources Mentioned:

Genesis 22 – The story of Abraham & Isaac

Hebrews 11 – The faith chapter

CeCe Winans – "Refiner" ( Highly recommend): https://open.spotify.com/track/4pduLDsqSxHd2eOMt8VHt3

Study on the Names of God

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/JBw37vd8AOE)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Does God actually care about your money? At first, it might seem like a purely earthly issue—like choosing the right toothpaste. But when you dig into scripture, you'll find that money is one of the most talked-about topics in the Bible.

Why? Because it's deeply connected to our hearts, our trust, and our faith.

In this episode, we unpack:

Why God isn't obsessed with money—but cares deeply about YOU.

How finances can be the #1 thing pulling your heart away from God (and how to guard against it).

Why financial struggles can feel like punishment—but are often preparation.

How to find TRUE financial freedom (Hint: It's not about Lambos or early retirement).

The mindset shift that will transform how you view financial ups & downs.

Powerful testimonies of God's provision when everything seemed lost.

We also share personal stories, biblical wisdom, and practical encouragement for anyone wrestling with finances and faith. Whether you're in a tough spot right now or just want to align your financial life with God's heart, this episode is for you.

Resources Mentioned:

Galatians 6:9 – Don't grow weary in well-doing; your breakthrough is coming.

Philippians 4:12-13 – The secret to contentment in all situations.

Hebrews 12:7 – Viewing suffering as God's loving discipline.

Matthew 6:26 – God provides for the birds—how much more will He care for you?

Joseph's Story (Genesis 37-50) –

📲Follow us on Instagram for daily encouragement → Instagram @SeedTime - instagram.com/seedtime/

📩Join our email list for exclusive content → Sign up link - seedtime.com/subscribe/

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/xpW5xaVU83o)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Let's be honest—grocery prices are out of control. If you feel like you're spending WAY too much on food, you're not alone.

In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love.

🚀Inside this episode, we cover:

The BIGGEST grocery store mistake (and how to stop making it)

How to meal plan like a pro (even if you hate meal planning)

The secret grocery store timing trick that can save you 30%+

Why we stopped using Green Chef (and what we're doing instead)

Costco vs. Aldi vs. Trader Joe's—what's ACTUALLY worth it?

📚Resources Mentioned:

Article Mentioned - https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html

Instacart – How we use it to avoid impulse purchases - https://www.instacart.com

Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com

Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking

My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX

How to Find Grocery Store Sales – A deep dive into the best times to buy.

💫Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com.

And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/c3UtEC54STA)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process.

🔎We're talking about:

The #1 mistake couples make with money (and how to fix it fast)

How to plan your finances together without it turning into an argument

The controversial topic of joint vs. separate accounts—what actually works?

Why budgeting isn't just about numbers—it's about freedom and alignment

The secret sauce that divorce-proofs your marriage (seriously, don't skip this one)

🎯One big takeaway?

Money isn't just about dollars and cents—it's about unity, trust, and making sure you're working as a team. Whether you're newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it.

🎙️Listen now and start winning with money AND marriage!

📚Resources Mentioned:

His and Her Money Podcast – Hosted by Talaat & Tai McNeely (hisandhermoney.com)

Chuck Bentley – CEO of Crown Financial Ministries (crown.org)

Crystal Paine – The Money-Saving Mom (moneysavingmom.com)

Budgeting Tools – YNAB (youneedabudget.com) & EveryDollar (everydollar.com)

Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21

👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this!

💫Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com.

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/b58UEKRjeKY)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

How did we crush a 30-year mortgage in just 3 years? We're breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too.

🔎In this episode, we cover:

The radical mindset shifts that changed everything.

Why you should never let the bank dictate how much house you can afford.

The power of prayer and giving (and how they impacted our finances).

Tools and strategies we used to track every dollar (and why most budgets fail).

How discovering and monetizing your God-given gifts could be the key to financial freedom.

Plus, we're sharing personal stories, practical tips, and the scripture that guided us on this journey.

📚Resources Mentioned:

Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free

Empower Personal Dashboard: empower.com

Rocket Money App: rocketmoney.com

Real Money Method - Learn more on: SeedTime.com/realmoney

👉 Don't forget to leave a review—it helps more people hear this life-changing message!

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com.

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_K1ri6q_Kbo)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we're diving deep into an astonishing truth about Heaven's streets of gold and what it teaches us about abundance, provision, and God's priorities.

Spoiler: Heaven's economy makes Earth's GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God.

🔎Here's what you'll learn:

The mind-blowing value of Heaven's streets (hint: 67 quintillion dollars worth of gold).

Why God uses gold as pavement and what it tells us about His priorities.

A.W. Tozer's insight on the most important thing about you.

How understanding God's abundance can change your financial perspective.

Practical encouragement for trusting God through financial struggles.

📚Resources Mentioned:

Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl

Bible References: Revelation 21, Matthew 6:26, Philippians 4:19.

More about Heaven's streets of gold: Revelation 21

👉 If this episode encouraged you, share it with someone who needs hope today!

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com.

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/GOmsHYD2fTw)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode of the SeedTime Money Podcast, we're breaking down 6 game-changing money moves you can make with just $1,000.

Whether you're hitting this financial milestone for the first time or you're ready to maximize your savings, these steps will help you make smarter decisions with your money today.

🔎 I'll Cover:

A passive way to dip your toes into real estate investing with just $10 (yes, seriously).

Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one).

How investing in your financial education can literally change your life.

A free tool to calculate when you'll be able to retire and stay on track.

Why the right credit card can actually work in your favor.

How to protect your money from fraud and hackers (don't skip this step!).

💡Resources Mentioned:

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

If you've ever thought, 'I've been through something life-changing—I need to share this,' then stop scrolling. This episode is for you.

We're diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I've ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business.

This isn't fluff. It's a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality.

🔎We'll Cover:

Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model.

The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational).

Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus' example of going deep with 12 disciples.

Why one type of person is WAY easier to sell to and how to create offers that provide massive value.

The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework

Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care.

Practical exercises to identify and overcome fears holding you back.

How to discern if coaching is your God-given calling and whether it's the right time to start.

📚Resources Mentioned:

Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob

You'll get two free resources for scheduling!

'High-Ticket Offer' Template: A step-by-step guide to creating your first high-ticket coaching offer.

How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you're bad at marketing.

Bible Verses Mentioned:

Proverbs 1–9: The importance of wisdom and choosing the right voice.

James 1:5: "If you lack wisdom, ask God, and He will give it generously."

Jeremiah 33:3: "Call to me, and I will answer you and tell you great and unsearchable things you do not know."

🎯Action Steps:

Pray and ask God if coaching is the right step for you.

Reflect on the transformation you've experienced in your life—this is the foundation of your coaching offer.

Use the free tools provided in the episode to create your first offer and marketing plan.

Take the first step: Schedule a free strategy session to refine your vision and start building your business.

👉 Listen now and start building your $10K/month coaching business today!

🎙️ Connect with us:

Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com.

If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/UOdpcehveJU)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today's episode, we're diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank.

If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you.

Here's What We Cover:

My frustrating 17-year journey with business banking (and how I finally found the solution).

What makes Relay different: Fee-free accounts, multiple checking accounts, and built-in features designed for entrepreneurs.

How Relay integrates with the "Profit First" method to simplify your finances and increase your profits.

A sneak peek at Relay's game-changing features, like virtual cards, receipt capture, and ACH payments.

Relay's upcoming innovations, including their new credit card and payment request feature launching soon.

Resources Mentioned:

Relay Bank: Open a free business account: https://seedtime.com/relay2

Profit First by Mike Michalowicz: https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X

Real Money Method: https://seedtime.com/realmoney

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact.

You'll discover:

How Western Christians are sitting on a $100 billion opportunity for kingdom impact

The shocking truth about what percentage of Christian giving actually reaches global missions

Why being "rich toward God" looks different than most people think

How a failed actor became an unlikely expert in kingdom investing

The surprising joy that comes from radical generosity

What George Mueller's legacy in China teaches us about strategic giving

Key Stats That Will Challenge You:

Only 2.5% - What Western Christians currently give

Only 0.25% of Western Christian giving reaches outside the West

$30,000/year puts you in the top 1% globally

What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations

Resources Mentioned:

Simple Money, Rich Life (Our Book): https://seedtime.com/free

God Calling Devotional

Organizations Referenced: • Five Talents • Jesus.net • 500K in India

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lnBFd_cSYJQ)!

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right?

In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month.

In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs.

You'll discover:

Why God's best often looks like career suicide

Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions

What Peter teaches us about calculated risk-taking

The Hidden Cost of Playing It Safe (and why doing nothing is still a decision)

Our proven 3-part framework for evaluating major life decisions

Resources Mentioned:

Simple Money, Rich Life (Our Book): https://seedtime.com/free

Fear Setting Worksheet: https://seedtime.com/fearsetting

Tim Ferriss's Fear-Setting Exercise (Referenced)

Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story)

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/FifSPa5hUlc)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

I never thought changing ONE simple shopping habit could save us thousands...

But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits.

In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries.

You'll discover:

The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items

The Costco Paradox: How spending more per trip actually saves thousands per year

Our controversial take on grocery delivery services (and how we use them to SAVE money)

The biblical principle behind smart grocery shopping that most people miss

Why managing your grocery budget could be more spiritually significant than you think

Resources Mentioned:

Simple Money, Rich Life (Our Book): https://seedtime.com/free

Instacart Gift Cards at Costco ($100 value for $80)

Wild Pastures (Meat Delivery): https://wildpastures.com

Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts

Amazon Subscribe & Save

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Stats Worth Noting:

Average American wastes $2,000+ per year on food

Potential savings of $3,000/year just by changing where you shop

Our findings align with research from leading data science firms about grocery store price variations

Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KP9glzjHEbY)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How?

In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses.

Here's what you'll learn:

Why certain side hustles scale (and others don't)

The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job

The exact mindset shift you need to transform a hobby into serious income

Which platforms are goldmines for specific side hustles right now

Why we believe side hustles aren't just about money (and what they're really about)

Plus: We share our personal journey of how a simple blog turned into our main source of income and eventually helped us reach our goal of giving away $1 million by age 40.

Key Insight: The most successful side hustles often align with what you're already passionate about. We share examples of people who turned their obsessions (from baby strollers to mattress reviews) into thriving businesses.

📚 Resources Mentioned:

Books:

Simple Money, Rich Life - Get your free copy (just cover shipping): https://seedtime.com/free

Websites & Platforms:

Upwork: https://www.upwork.com

Fiverr: https://www.fiverr.com

Etsy: https://www.etsy.com

Rover (pet sitting): https://www.rover.com

BookScouter: https://bookscouter.com

Instacart: https://www.instacart.com

Tools & Apps:

Facebook Marketplace: https://www.facebook.com/marketplace

Amazon FBA (Fulfillment by Amazon): https://sell.amazon.com/start/fba

Link:

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

Want to start your own side hustle? We've been where you are. Whether you're looking to escape a job you don't love or simply want to build something on the side, there's never been a better time to start.

P.S. Have you gotten value from our content? Consider writing a review or sharing this episode with someone who needs to hear it. Your support helps us continue creating content that changes lives.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Have you ever felt like your prayers for financial breakthrough were hitting a brick wall?

Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time).

What You'll Discover:

Why feeling "stuck" might actually be God's preparation season

The counter-intuitive truth about financial breakthrough that most Christians miss

How to reframe waiting periods from punishment to preparation

The exact scripture that changed everything for us during our hardest season

Why maintaining spiritual disciplines is crucial when you feel like quitting

The surprising connection between Joseph's prison season and your financial journey

Key Takeaway:

Your season of financial frustration isn't a punishment—it's preparation. Just like Joseph's time in prison and David's years running from Saul, God is doing something much bigger than what you can see right now.

The Million-Dollar Truth:

If it isn't good yet, then God isn't done yet. Your financial breakthrough might be just around the corner, but the key is learning how to stay faithful in the waiting.

Scriptures Referenced:

Galatians 6:9 - "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up."

Ephesians 3:20 - "Now to him who is able to do immeasurably more than all we ask or imagine..."

Revelation 12:11 - "They triumphed over him by the blood of the Lamb and by the word of their testimony"

Philippians 4:19 - "And my God will meet all your needs according to the riches of his glory in Christ Jesus."

Resources Mentioned:

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Ever feel like your dreams are slipping away because you "can't afford them"?

We're about to flip everything you think you know about affording what you love.

In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial reality.

Here's what you'll learn:

The "Priority Stack" method for identifying which expenses are secretly holding you back

Why creating "friction" in your spending could be the key to unlocking your dreams

How we discovered we could afford to live at the beach (and why most people never realize what's possible)

The uncomfortable truth about your Amazon app (and why deleting it might change your life)

A revolutionary approach to evaluating expenses that goes beyond basic budgeting

Plus, we share our personal revelation about Starbucks spending and how facing this truth led to better decisions - without guilt or shame.

📚 Resources Mentioned:

Books:

"Simple Money, Rich Life" by Bob and Linda Lotich Get your free copy (just pay shipping): https://www.simplemoney.com/free

"Atomic Habits" by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299

Mentioned Names/Concepts:

Ramit Sethi's "Money Dials" concept

James Clear's environment design principles

Link:

SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.