We Let a Church Ask Us Anything About Money (Here's What They Actually Wanted to Know)
SeedTime with Bob and Linda Lotich
Release Date: 06/05/2026
How to Know If Money Has Become Your Idol (Jesus is King with Bryan Harris - Part 1)
SeedTime with Bob and Linda Lotich
You can do everything right with money and still not feel free. Budget in place. Debt gone. Emergency fund full. And underneath it, the same low hum of anxiety and comparison that was there before. Our friend Bryan built his entire financial life on three words he'd heard a thousand times: cash is king. He's a Dave Ramsey superfan. He did the debt-free scream. Then one day in the shower it hit him. Cash isn't king. Jesus is. That 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...
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The Biblical formula for paying off debt miraculously fast
SeedTime with Bob and Linda Lotich
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: Name your need. Take inventory of your house. Gather your jars. Shut your door. And pour your flask. We also tell our...
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Does Financial Struggle Mean God Is Displeased? (The Honest Answer)
SeedTime with Bob and Linda Lotich
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...
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Jesus Warned About Saving Money the Wrong Way
SeedTime with Bob and Linda Lotich
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...
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How to Keep Trusting God When the Answer Doesn't Come (w/ Susie Larson)
SeedTime with Bob and Linda Lotich
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...
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Why You Never Feel Like You Have Enough (and How to Fix It)
SeedTime with Bob and Linda Lotich
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...
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Why You Can't Stick to a Budget (10 Real Reasons)
SeedTime with Bob and Linda Lotich
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...
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Simple Money, Rich Life Just Hit 100k (Here's the Story We've Never Told)
SeedTime with Bob and Linda Lotich
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....
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Should Christians Invest in Evil Companies?
SeedTime with Bob and Linda Lotich
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...
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7 Biblical money principles most Christians never hear (but should)
SeedTime with Bob and Linda Lotich
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...
info_outlineMike 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.
WHAT WE COVER IN THIS EPISODE
Here's a little of what we cover in this episode:
- Why "net worth" is actually the wrong metric for Christians — and what to track instead
- The one number that tells you whether you're moving forward or backward financially right now
- The Never 100 Rule: the single rule that makes all the difference between building wealth and staying stuck
- Why Mike Tyson went broke (and what it has to do with your budget)
- The one-category budget — why it gets 80% of the results of full budgeting with 20% of the effort
- Why willpower-based budgeting always fails — and what to do instead
- The giving account that made generosity actually fun (instead of a guilt trip)
- What Bob and Linda would tell their 19-year-old selves about money
- How to handle money differently when you and your spouse are total opposites
BIBLE VERSES MENTIONED
- 2 Corinthians 9:6-7
- 2 Corinthians 8-9
- Proverbs (referenced as a daily reading practice — one chapter per day)
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.