God’s put a dream on your heart. Don’t let money get in the way.
Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.
Oh and we have a different take on money than most financial experts. We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do.
Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.
We help you spend less time thinking about money while getting better results.
The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:
- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40
Occasionally, we interview guests like John Mark Comer, Mark Batterson, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.
And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book ‘Simple Money, Rich Life’ or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.
Find out more at https://seedtime.com/
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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:
Why sometimes God asks us to spend more instead of saving more
How to know the difference between your desires and the Spirit’s leading
Why true stewardship is less about your wisdom and more about your obedience
Three practical questions to ask when you sense God nudging you to spend beyond reason
If you’ve ever wrestled with the tension between “wise stewardship” and radical obedience, this conversation is for you.
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.
The $8,000 Lie: Why 'You Get What You Pay For' Contradicts Kingdom Living
samedi 16 août 2025 • Durée 25:19
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 ().
THIS kept us from getting pregnant for 9 years (& how it affects your money)
samedi 9 août 2025 • Durée 49:56
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?”
My mom just went to heaven 🥺 (5 things I learned that might help you)
samedi 2 août 2025 • Durée 34:36
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.
🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.
Why I am starting to buy more gold (the 1 chart that changed my mind)
samedi 26 juillet 2025 • Durée 17:49
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:
Why I now see gold as a defensive asset in our portfolio
How inflation has quietly destroyed the purchasing power of your dollars
The story of bread, gold, and a century of financial erosion
My favorite tool to buy gold automatically with as little as $10
Why I think gold might be the most biblical investment on earth
What we’re doing to protect our family’s future
If you're sitting on too much cash or wondering how to hedge against chaos—you’ll want to hear this. Resources Mentioned:
Levi Lusko and The Secret to Moving Forward After Loss (Even When It Feels Impossible)
samedi 19 juillet 2025 • Durée 44:11
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:
What Levi learned from the Statue of David that changed the way he views grief forever
Why “spiraling” might not be the enemy—it might be the invitation
The difference between being angry at God and angry with God
How to manage a panic attack when everything feels like too much
What most people get wrong about success, wealth, and midlife
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.
(5/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: God's Forgotten Commands for your money
samedi 12 juillet 2025 • Durée 50:23
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:
Why God wants you to enjoy what He’s given — but not worship it
The #1 thing Paul told the rich (and it’s not what you think)
How to track your “Net Given” (instead of your net worth)
The difference between seed and bread in 2 Corinthians 9
Why your money is meant to flow through you, not just to you
How to write a personal “Wealth Purpose Statement” with your family
Why generosity now is connected to eternal treasures later
🔍 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.
(4/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: Why Nothing You Have Actually Belongs to You
samedi 5 juillet 2025 • Durée 42:09
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:
Why guilt fades when you realize you're a steward
The 3 principles Jesus taught that flip your finances upside-down
How estate sales (yes, really) shook us into reevaluating our relationship with stuff
Why multiplication is God’s agenda, not just accumulation
What “assets under management” means—and why it beats calculating net worth
The parable of the talents, fast fashion, and what bike shorts taught us about ethics and obedience
This one gets real. Real personal, real biblical, and real practical.
(3/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: Golden Calves and Golden Lampstands
samedi 28 juin 2025 • Durée 31:28
In this episode, we’re going deep on a topic the Church either glamorizes or demonizes—but rarely handles biblically: money.
We’re unpacking Exodus, Jesus, and even Tesla stock (yep)—to wrestle through a question that’s been tripping up believers for decades: “Is wealth inherently evil… or is it just a tool?”
Here’s what we found:
Why the Israelites’ gold became both a golden calf and a golden lampstand
What Jesus really meant when He said, “Where your treasure is, there your heart will be also”
The shocking contrast between how the Old and New Testament describe wealthy people
The heart posture that turns a blessing into an idol
And why generosity, not guilt, is the actual fruit of spiritual maturity
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.
Galatians 5:22-23 – Fruit of the Spirit (including “goodness” = generosity)
Our book: Simple Money, Rich Life (Get a free copy—just cover shipping!) 🔗 Grab your free book here:http://seedtime.com/free
📩 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.
: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to for details or shoot us a DM on Instagram ().
(2/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: What Jesus actually said about money
samedi 21 juin 2025 • Durée 25:49
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:
Why Jesus told the rich young ruler to sell everything—and why He didn’t tell Zacchaeus the same thing.
The real reason wealth can be dangerous (it’s not what you think).
Why Joseph of Arimathea, Nicodemus, and a group of wealthy women were never asked to give everything away.
The parable that proves Jesus wasn’t against being wealthy—but was deeply concerned about our heart posture.
Why abundance is meant to be shared—and how shopping, gardening, or even buying sunglasses can become worship.
A fresh, biblical perspective that helps you steward what God has given you without shame, guilt, or greed.
👉 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.
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 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 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.
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.
🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.
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.
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.
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.
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