Godâs put a dream on your heart. Donât let money get in the way.
Learn to simplify, automate, multiply & get full control of the money Godâs 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 arenât going to judge you for your past mistakes and we havenât forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isnât 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. Thatâs what weâre after. If you want that too, then youâll 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 âSimple Money, Rich Lifeâ 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/
Site
RSS
Apple
Data updated on 04/07/2026
Recent rankings
Latest chart positions across Apple Podcasts and Spotify rankings.
Shared links between episodes and podcasts
Links found in episode descriptions and other podcasts that share them.
What if being âtoo goodâ 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 wouldâve called it foolishâbut their âirresponsible obedienceâ led to one of the most important divine encounters of their lives.
Weâll unpack:
Why sometimes God asks us to spend more instead of saving more
How to know the difference between your desires and the Spiritâs 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 youâve ever wrestled with the tension between âwise stewardshipâ and radical obedience, this conversation is for you.
If you havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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.
Â
The $8,000 Lie: Why 'You Get What You Pay For' Contradicts Kingdom Living
Saturday, August 16, 2025 ⢠Duration 25:19
We almost missed out on an $8,000 furniture set for just $1,000 â because of one dangerous mindset: âYou get what you pay for.â
This episode isnât really about chairs â itâs about how this deeply ingrained belief system can keep us from receiving what God wants to lavish on us. Grace, provision, salvation â none of them came because we âpaid enough.â And if we donât 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 doesnât follow âearthlyâ 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
Â
And yes, we get real about marriage, furniture, and being shrewd with money â all while staying Kingdom-focused.
Â
đResources we mentioned:
Our book: Simple Money, Rich Life â Get a free copy (just cover shipping): http://seedtime.com/free
Facebook Marketplace â Yes, really. This episode proves itâs worth another look.
Bible reference about being âwise as serpents, innocent as dovesâ â Matthew 10:16
Â
Join us as we tear down the limiting beliefs that hold back abundance â not just financial, but spiritual, emotional, and relational.
Â
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)
Saturday, August 9, 2025 ⢠Duration 49:56
In todayâs episode, weâre 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 â not only for our family, but also for how we see our words, faith, and even finances.
Hereâs 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 â especially in areas like money, health, and family
How we unknowingly came into agreement with lies â 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 youâre struggling with finances, waiting for a promise, or wondering why certain things never seem to break through â this episode is for you.
Â
Try This: After listening, ask the Holy Spirit:
âIs there anything Iâve come into agreement with that I need to come out of?â
My mom just went to heaven 𼺠(5 things I learned that might help you)
Saturday, August 2, 2025 ⢠Duration 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 weâve ever recorded. And if youâre grieving, or have someone in your life who is, I hope this encourages you like only God can.Â
đ§ 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)
Saturday, July 26, 2025 ⢠Duration 17:49
What if I told you the same ounce of gold that could buy 400 loaves of bread today⌠couldâve 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. Iâve spent over 17 years investingâand I pretty much ignored gold⌠until this blew my mind.  Youâll 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 weâre doing to protect our familyâs future
If you're sitting on too much cash or wondering how to hedge against chaosâyouâll want to hear this. Â Resources Mentioned:
Levi Lusko and The Secret to Moving Forward After Loss (Even When It Feels Impossible)
Saturday, July 19, 2025 ⢠Duration 44:11
What do you do when life punches you so hard, you donât think youâll ever get up?
Thatâs 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 theologyâhe 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 âspiralingâ might not be the enemyâit 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 youâre grieving, feeling stuck, or wondering how to walk through something that just broke your heartâyouâre not alone, and thereâs a way forward.Â
(5/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: God's Forgotten Commands for your money
Saturday, July 12, 2025 ⢠Duration 50:23
In this final episode of our âProsperity Gospel, Poverty Gospel, and The Gospelâ series, weâre diving into the forgotten commands of scripture that every Christian should know when it comes to money.
Weâre not just talking about how to make more or give more â weâre talking about how to think biblically about money, handle it with eternity in mind, and why most believers are stuck in financial cycles that donât reflect the heart of God.
We break down 1 Timothy 6:17â19 and show how Paul gives us a framework for wealth that isnât about prosperity or poverty â itâs about purpose.
In this episode, we cover:
Why God wants you to enjoy what Heâs given â but not worship it
The #1 thing Paul told the rich (and itâs not what you think)
How to track your âNet Givenâ (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 âWealth Purpose Statementâ with your family
Why generosity now is connected to eternal treasures later
đ This is for the Christian whoâs tired of hearing two bad takes on money â 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
Saturday, July 5, 2025 ⢠Duration 42:09
What if I told you that nothing you own is actually yoursâand 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 isnât just a spiritual conceptâitâs 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 Godâs agenda, not just accumulation
What âassets under managementâ meansâand 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
Saturday, June 28, 2025 ⢠Duration 31:28
In this episode, weâre going deep on a topic the Church either glamorizes or demonizesâbut rarely handles biblically: money.
Weâre unpacking Exodus, Jesus, and even Tesla stock (yep)âto wrestle through a question thatâs been tripping up believers for decades: âIs wealth inherently evil⌠or is it just a tool?âÂ
Hereâs what we found:
Why the Israelitesâ gold became both a golden calf and a golden lampstand
What Jesus really meant when He said, âWhere your treasure is, there your heart will be alsoâ
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 isnât financial adviceâitâs soul-searching. If you've ever felt tension about having too much⌠or too little⌠this episode will give you clarity.Â
Galatians 5:22-23 â Fruit of the Spirit (including âgoodnessâ = generosity)
Our book: Simple Money, Rich Life (Get a free copyâjust cover shipping!) đ Grab your free book here:http://seedtime.com/free
đŠ If this message stirred something in you, share it with a friend. The Church needs a better theology of moneyâand it starts with conversations like this.
(2/5) The prosperity gospel, the poverty gospel, and the truth most Christians miss: What Jesus actually said about money
Saturday, June 21, 2025 ⢠Duration 25:49
In Part 2 of our âThe prosperity gospel, the poverty gospel, and the truth most Christians missâ series, we dive into some of Jesusâ most controversial teachings on wealth. Youâve heard âsell everything,â âcamel through the eye of a needle,â and âblessed are the poor,â but what if weâve been misunderstanding who He was talking to and why?Â
In this episode, we unpack:
Why Jesus told the rich young ruler to sell everythingâand why He didnât tell Zacchaeus the same thing.
The real reason wealth can be dangerous (itâs 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 wasnât against being wealthyâbut was deeply concerned about our heart posture.
Why abundance is meant to be sharedâand 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.
đ Subscribe, share, and donât miss the next episode in this seriesâweâre going to talk about gold, the golden calf, and what it really means for how we use our money.
If you havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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 havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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 havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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.
Â
If you havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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.
Â
Â
đ§ Subscribe + share with someone walking through loss. You never know how deeply it might hit them.
If you havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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.
đŻ Your challenge this week: Write a family wealth purpose statement. Ask yourself â what are we called to do with the money God has entrusted us with?
If you havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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 havenât checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youâll 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 âa money book for people who donât read money books.âÂ
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.
Â
Related Shows Based on Content Similarities
Discover shows related to SeedTime Money (Christian living & Personal Finances), based on actual content similarities. Explore podcasts with similar topics, themes, and formats, backed by real data.
