SeedTime Money (Christian living & Personal Finances)

👉 Want to be debt-free this year? Want to stop counting the days til payday? Want to have the money available to do all the dreams God has put on your heart? Well, for the rest of 2024, we are running a 40-week series where we share our 40-week checklist to eliminate debt, build wealth, and give $1 million. Each week, we share specific action steps we took to go from maxed-out credit cards with debt collectors calling to being 100% debt-free and reaching our biggest financial goal of giving away $1 million. Each week is going to leave you with a specific step you can take to reach your financial goals way faster than you thought! We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun. 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/

(💸34/40) Stop Climbing Trees If You Were Born to Swim: A Revolutionary Approach to Discovering Your True Calling 11/23/2024

(💸34/40) Stop Climbing Trees If You Were Born to Swim: A Revolutionary Approach to Discovering Your True Calling What if everything you've been taught about success is actually holding you back from what you were created to do? In this game-changing episode, we dive deep into why Einstein believed we've been measuring human potential all wrong—and how this massive misconception might be the very thing keeping you from discovering your true calling. Here's what you'll learn: Why traditional markers of success (SAT scores, job titles, net worth) are often misleading indicators of your true potential The profound truth about why some people make everything look effortless (while others struggle endlessly) How one Olympic athlete's controversial decision reveals the secret to finding your purpose The surprising reason why your "weaknesses" might actually be pointing to your calling Why the baker's story from George Mueller's orphanage changes everything about how we view purpose The critical difference between chasing money and chasing your calling (and why it matters) How to identify what you were actually created to do (including 3 powerful questions you can ask yourself today) Key Questions to Discover Your Calling: What comes easier to you than most? What feels like work to others but feels like fun to you? What are you wondering why most people aren't good at? Resources Mentioned: Book: "Simple Money, Rich Life" by Bob and Linda Lotich Get your FREE copy (just pay shipping): Movie: "Chariots of Fire" - The Eric Liddell Story Book: "The Art of Work" by Jeff Goins: Bible Verses Referenced: Jeremiah 33 Colossians 3:23 Psalm 139:14 SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 🎯 Action Steps: Start experimenting with new things (like Tom's guitar-making story teaches us) Ask trusted friends/family what they see as your natural gifts Look for patterns in your journey so far Begin serving where you are while preparing for where you're called to be 🔗 Connect With Us: Website: Instagram: Get Our Free Book: Remember: You're not a second-rate creation. You were fearfully and wonderfully made for a specific purpose. If you're feeling like a fish trying to climb a tree, it's time to find your pond and start swimming. 💫 Share This Episode: If this message resonated with you, please share it with someone who needs to hear it. Together, we can help more people discover what they were created to do. BONUS: 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 (). Watch this episode on our ! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/34098891

[Join us LIVE] How to become a millionaire (and why it matters) 11/19/2024

(💸33/40)The 50/50 Rule: How To Turn Every Raise Into Both Wealth and Impact Without Feeling the Pinch 11/16/2024

(💸33/40)The 50/50 Rule: How To Turn Every Raise Into Both Wealth and Impact Without Feeling the Pinch The most dangerous financial trap isn't overspending. It's comfortable compromise. After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice. In this episode, we share: The "50-50 Rule" that transformed our approach to raises and windfalls Why financial "peace" might actually be sabotaging your spiritual growth The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance) How we're implementing a radical month-long sabbatical for our entire team This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor. Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit. Resources Mentioned: "Simple Money, Rich Life" by Bob and Linda Lotich - "Ancient Paths" by Corey Russell - "The Opposite Life" by Alex Seeley - SeedTime Money 40-week checklist (mentioned as part of our ongoing series): BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33946172

(💸32/40) How Even The Richest Man In History Couldn't Escape This One Financial Trap 11/09/2024

(💸32/40) How Even The Richest Man In History Couldn't Escape This One Financial Trap Have you ever noticed that no matter how much money you make, it never seems to be enough? We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough. In this episode, we reveal: Why having "just a little more" never satisfies (and what to do instead) The shocking truth about how you're already richer than John Rockefeller in ways you've never considered How Instagram and social media are secretly destroying your financial contentment The counterintuitive "no muscle" technique that transforms your relationship with money A practical framework for giving that's helped us stay grounded while working toward giving away $1 million But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more – whether you make $30,000 or $3 million a year. We also dive deep into practical strategies like: Why deleting certain apps might be the key to financial peace How to set up "contentment benchmarks" that actually work The biblical wisdom behind avoiding both poverty and excess wealth A simple gratitude practice that rewires your brain's relationship with money Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10 Resources Mentioned: SeedTime "Count Your Blessings" Merch: Bible Verses Referenced: Ecclesiastes 5:10 Philippians 4:11-13 Proverbs 30:7-9 Frameworks Mentioned: The Christmas Gift Rule: Something you want, something you need, something to wear, something to read The Age-Based Giving Framework: Giving your age as a percentage of income Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary 🗒️This episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33817674

(💸31/40) The 2-Word Money Secret Wealthy People Know (That Took Me 20 Years to Learn) 11/02/2024

(💸31/40) The 2-Word Money Secret Wealthy People Know (That Took Me 20 Years to Learn) 20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since. Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently. 🔎In this episode, we reveal: The powerful mindset shift that changed everything for us Why my millionaire mentor drove a 10-year-old car (while I had a brand new one) The truth about what really counts as a "luxury" The biblical wisdom behind building wealth slowly and strategically Why most people's "waiting to save" strategy never works The exact method we use to fund our biggest dreams (like our future beach house ministry) This isn't just about making money—it's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you. 📚 RESOURCES MENTIONED IN THIS EPISODE: Books: "Rich Dad, Poor Dad" by Robert Kiyosaki - "Die with Zero" by Bill Perkins - "Simple Money, Rich Life" by Bob & Linda Lotich - SeedTime Money 40-week checklist (mentioned as part of our ongoing series): Scripture References: Proverbs 21:20 Proverbs 13:11 Proverbs 6:6 🗒️Note: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle! BONUS: 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 (). If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33744622

(💸30/40) Why 99% of Christians Are Giving Wrong (And How to Fix It in 20 Minutes) 10/26/2024

(💸30/40) Why 99% of Christians Are Giving Wrong (And How to Fix It in 20 Minutes) The 2-Minute Money Hack That Will Transform Your Giving Forever Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account. 🔎In this episode, we reveal: The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!) The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!) Real-life examples of how we've used our Seed Account to bless others in unexpected ways Why this simple trick makes giving easier and more fun than you ever thought possible Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world? Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today! 📚Resources Mentioned: Our Book: "Simple Money, Rich Life" - Real Money Method - Susie Larson's Show - Bible Reference: 1 Corinthians 16 - SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 🎯Ready to start your Seed Account? Here's your action plan: Open a new bank account (savings or checking) Decide on your monthly contribution amount Set up an automatic transfer Pray for guidance on how to use the funds BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33472512

(💸29/40) The 'Almost-Free Everything' Method: The Hidden Art of Profiting from Your Purchases 10/19/2024

(💸28/40) The Hidden Power of Prayer: How Speaking Scripture Unlocked Financial Freedom (FREE DOWNLOAD) 10/12/2024

(💸27/40) 5 Hidden Money Traps Keeping You in Debt (And How to Escape Them) 10/05/2024

How 15 Minutes of Prayer Outperforms 10 Hours of Strategy and the exact prayer habits of the top Christian leaders with Peter Greer 10/02/2024

How 15 Minutes of Prayer Outperforms 10 Hours of Strategy and the exact prayer habits of the top Christian leaders with Peter Greer Today we sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer." 🔍 Here's what we uncovered: The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement this in your life) The counterintuitive link between prayer and stress reduction in high-pressure leadership roles How to create a "prayer culture" in your workplace (even if you're in a Fortune 100 company) The untold story of how a small act of obedience in Ukraine sparked a global movement But here's the kicker: This isn't just theory. We've implemented these strategies in our own organization, and the results have been nothing short of miraculous. If you're tired of feeling stuck, stressed, or simply not seeing the breakthrough you know God has for you, this episode is your wake-up call. It's time to stop relying on your own strength and tap into the ultimate source of wisdom, creativity, and power. Resources Mentioned: "Lead with Prayer" by Peter Greer - Lead with Prayer website - HOPE International - "Praying Like Fools" by Tyler Stanton - "When Helping Hurts" by Steve Corbett and Brian Fikkert - "Poverty, Inc." documentary - SeedTime website - Ready to revolutionize your prayer life and unlock your true potential as a leader? Grab your copy of "Lead with Prayer" now at Remember: The world doesn't need more burnt-out leaders trying to change the world in their own strength. It needs leaders who know how to tap into the ultimate source of power, wisdom, and love. Let's pray like our lives—and the lives of those we lead—depend on it. Because they do. BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33079547

(💸26/40)The Dilbert Effect: How Combining 3 'MicroSkills' Can Make You Extraordinary 09/28/2024

(💸26/40)The Dilbert Effect: How Combining 3 'MicroSkills' Can Make You Extraordinary Ever wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development. In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary. 🔎Here's what we unpack: The shocking truth about becoming indispensable (hint: it's not what you think) The biblical hack for career success that most people miss How a comic strip creator cracked the code to an extraordinary career But we don't just talk theory. We give you actionable steps to identify and develop your own micro-skills, potentially 10x-ing your value in the marketplace. Whether you're a seasoned pro or just starting out, this episode is your roadmap to becoming the go-to person in your field. Don't miss out on this career-defining information! 📚Resources Mentioned: Comic: Dilbert by Scott Adams Bible Verses: Parable of the Talents (Matthew 25) Proverbs 22:29 Ephesians 2 (Prayer for enlightenment) SeedTime Money 40-week checklist (mentioned as part of our ongoing series): Remember: Your homework is to identify 5-10 micro-skills you could develop. Start with one this week. Google it, YouTube it, read about it. Then watch as you start crushing it in your career! BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33171452

(💸25/40) The One Financial Metric You're Not Tracking That's More Important Than Your Bank Balance 09/21/2024

(💸25/40) The One Financial Metric You're Not Tracking That's More Important Than Your Bank Balance Picture this: You're at the end of your life, reflecting on your financial journey. What's the metric that truly matters? Is it the size of your bank account—or the lives you've touched through your generosity? In today's episode, we're tackling a question that could reframe your entire perspective on money: What is your Net Given, and why is it the most important number you're probably not tracking? We explore the transformative power of tracking your Net Given—every act of generosity, big or small. It's not just about tithes or charitable donations; it's about every coffee you buy for a friend, every birthday gift, every meal you share. By shifting our focus from accumulating wealth to amplifying generosity, we discovered a path to a richer life and a lasting legacy. 🔎 In This Episode, You'll Learn: How redefining financial success can transform your life. The story behind our ambitious goal to give away a million dollars. Practical steps to start tracking your Net Given today. Why small acts of generosity add up to make a big impact. How focusing on giving can lead to true financial freedom. If you've ever felt that accumulating more isn't fulfilling, this episode is your invitation to flip the script. 📚 Resources Mentioned: Download our free Net Given Tracker Spreadsheet: Our Book – Simple Money, Rich Life (Chapter 24 dives deeper into this concept): SeedTime Money 40-week checklist (mentioned as part of our ongoing series): 🎯 Action Steps: Download the Net Given Tracker and start logging every act of generosity: Reflect on your financial goals—are they aligned with the legacy you want to leave? Share this episode with someone who needs a new perspective on money. Remember: It's not about how much you can get; it's about how much you can give. Let's redefine financial success together. BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33114722

(💸24/40) Sabbath Economics: How Resting One Day Can 10x Your Financial Success 09/14/2024

(💸24/40) Sabbath Economics: How Resting One Day Can 10x Your Financial Success Today, we are discussing the paradoxical secret to financial success: working less. We dive deep into the biblical principle of Sabbath and reveal how this ancient practice is revolutionizing modern business and personal finance. 🔎You'll discover: Why top performers are embracing this idea and seeing exponential results The counter-intuitive connection between rest and wealth creation How we used Sabbath economics to reach our million-dollar giving goal The shocking story of a rookie real estate agent who defied industry norms and saw his business explode Why your vacations might be leaving you more exhausted (and how to fix it) Plus, we share our personal Sabbath strategies that have led to major financial breakthroughs and life-changing revelations. Whether you're a business owner, employee, or somewhere in between, this episode will challenge everything you thought you knew about productivity and success. Get ready to unlock a whole new level of financial abundance and personal fulfillment! 📚Resources Mentioned: Book: "The Rest of God" by Mark Buchanan - SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - Stay tuned for our upcoming merch release and studio makeover! Follow us on social media for sneak peeks and updates. Remember, sometimes the key to getting ahead is knowing when to stop and rest. Your future self (and your bank account) will thank you! BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/33023482

[Case study] From food stamps to a 7-figure business owner. Graham Cochrane’s best tips and keys to massive life change 09/09/2024

(💸23/40) The truth about money that 96% of Christians don't know (and how it's costing you BIG) 09/07/2024

(💸22/40) Hobby Hacking: The Counterintuitive Way to Boost Your Bank Account While Having More Fun 09/02/2024

(💸22/40) Hobby Hacking: The Counterintuitive Way to Boost Your Bank Account While Having More Fun Is your favorite hobby secretly sabotaging your financial future? Today, we dive deep into the hidden costs of our pastimes and reveal how strategic hobby selection can impact your financial progress and happiness. 🔎Here's what you'll learn: Why I gave up golf at 13 (and how it changed my financial trajectory) The shocking truth about identity-driven hobbies How to turn your shopping addiction into a money-making machine The "paddle sports secret" to living longer (and richer) Why your spouse might be nodding their head right now (and what to do about it) 💡But this isn't just about cutting costs. We'll show you how to: Transform your passions into profit centers Hack your happiness by redirecting your focus Unleash the power of "seasonal hobbies" for explosive growth Warning: This episode might make you rethink everything you thought you knew about work-life balance and personal finance. Are you ready to level up? Resources Mentioned: SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m Remember, where your treasure is, there your heart will be also. It's time to make your hobbies work for you, not against you. Ready to transform your free time into a wealth-building machine? Hit play now! BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32866297

5 Family Rhythms That Will Transform Your Home (And Your Finances) 08/31/2024

5 Family Rhythms That Will Transform Your Home (And Your Finances) Hey friend, Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture. Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice. Why You Should Listen: Family Culture and Rite of Passage Ceremonies: Discover how Chris and Jenni use rite of passage ceremonies to mark significant moments in their kids’ lives, helping to build a strong family identity and culture. Real Talk on Marriage and Parenting: We dive into how to keep the spark alive in your marriage, especially when life gets busy, and the importance of speaking life over your spouse and kids. Entrepreneurship and Family Finances: Chris and Jenni discuss how their entrepreneurial ventures have influenced their family’s financial life, and how they teach their kids about money through hands-on experience. Creating Rhythms in Family Life: The Graebes break down their five key rhythms for a thriving family, focusing on how to bring peace and intentionality into the chaos of everyday life. Resources Mentioned: Book: Rhythm of Home by Chris and Jenni Graebe - Book: The Rhythm of Us by Chris and Jenni Graebe - Book: The Intentional Father by Jon Tyson - Book: Value Creation Kid by Lee Benson - The Crowd Investing Platform: Check out Chris's platform at (to learn how you can invest in early-stage startups) John and Stasi Eldredge: Influences behind the Graebe’s rite of passage ceremonies - Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32694277

(💸21/40) 5 Reasons Why the Wealthy Automate Their Money (And Why You're Falling Behind If You Don't) 08/24/2024

(💸21/40) 5 Reasons Why the Wealthy Automate Their Money (And Why You're Falling Behind If You Don't) Want to know the secret weapon of the wealthy? It's not what you think. Forget discipline. Forget willpower. Forget complex investment strategies. The real key? Automation. In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too. Here's what you'll discover: The shocking truth about why discipline is overrated in finance How to make hundreds of good financial decisions with just one click The "set it and forget it" strategy that could skyrocket your savings by 56% Why emotional decision-making is costing you thousands (and how to stop it) The simple hack that saved us 130 hours a year on managing our money How we used automation to give away $1 million by age 40 Plus, we're sharing the exact steps you can take TODAY to start automating your finances like a pro. 🔗Resources mentioned in this episode: Book: "Automatic Millionaire" by David Bach - Real Money Method (UN)budgeting system - seedtime.com/realmoney 10X Investing course - Charles Schwab study on 401(k) automation - American Time Use Survey - Financial Engines study on unclaimed 401(k) matches - SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - Remember: The wealthy never depend on willpower. They automate their most important financial tasks. It's time for you to do the same. Ready to get started? Hit play now. BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32595302

(💸20/40)The 100X Giving Secret & Why Giving Away Money is Harder Than Making It 08/17/2024

(💸20/40)The 100X Giving Secret & Why Giving Away Money is Harder Than Making It Ever wondered if your donations are actually making a difference? We've got news for you: Your next charitable gift could be 100 times more effective than your last. No, that's not a typo. 100 times. In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving superhero. Here's what you're going to discover: The shocking truth about charity effectiveness (and why some of your donations might be going to waste) Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart) The "Good Soil" principle that could multiply your impact exponentially Why some billionaires say giving money away is harder than earning it (and what you can learn from them) The hidden dangers of generosity (and how to avoid them) Whether you're dropping a few bucks in the collection plate or planning to give away millions, this episode is your roadmap to maximizing every dollar you donate. 🔗Resources mentioned in this episode: Book: "Simple Money, Rich Life" by Bob and Linda Lotich - Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert Documentary: "Poverty, Inc." (available on Netflix) Organization: Charity Water - Bible passages: 2 Corinthians 9:7 (NIV) Mark 12:41-44 (The Widow's Offering) Matthew 25:14-30 (Parable of the Talents) Proverbs 11:25 SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - Remember, it's not about giving more - it's about giving smarter. Let's make every dollar count. Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32559707

(💸19/40) The Counterintuitive Math Behind Early Retirement That Schools Don't Teach 08/10/2024

(💸18/40) Discover Your REAL Hourly Wage: The Shocking Truth Your Paycheck Doesn't Show 08/03/2024

(💸18/40) Discover Your REAL Hourly Wage: The Shocking Truth Your Paycheck Doesn't Show Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time. In this episode, we uncover: The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think) How a 10-minute exercise could save you thousands of dollars and countless hours The secret expenses that are quietly eating away at your paycheck Why that "golden handcuffs" job might not be as valuable as you think We break down the revolutionary ideas from "Your Money or Your Life" by Vicki Robin and Joe Dominguez, showing you how to apply them in today's world. Whether you're dreaming of early retirement, considering staying home with the kids, or just want to make smarter career moves, this episode is your roadmap to financial clarity. 🔥 Resources Mentioned: "Your Money or Your Life" by Vicki Robin and Joe Dominguez: Our Free Newsletter: Sign up at for our best financial tips and strategies Bureau of Labor Statistics Consumer Expenditure Survey Check it out: 14-Point Checklist to Give $1M by Age 40 - Remember, this isn't just about crunching numbers—it's about reclaiming your time and aligning your work with your values. After listening, take 10 minutes to do this calculation for yourself. You might be surprised at what you discover! BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32353667

(💸17/40) Investing Isn't Gambling: The Mind-Blowing Truth About Investing They Don’t Want You to Know 07/27/2024

(💸16/40) The 3 Credit Card Rules That Saved Us $15,000 (And How They Can Work for You Too) 07/20/2024

(💸16/40) The 3 Credit Card Rules That Saved Us $15,000 (And How They Can Work for You Too) In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to: Save over $15,000 in interest Score more than $10,000 in free travel Turn our biggest financial burden into a powerful wealth-building tool But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it. We break down: Why your credit score might be lying to you (and what to do about it) The "chainsaw approach" to credit cards (and why it works) How we funded our dream of giving away a million dollars using credit card strategies Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount. Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom. Don't miss out on the credit card secrets that could change your financial future forever. 🔗 Resources Mentioned: Our Book: "Simple Money, Rich Life" - Free Travel Article - Credit Card Recommendations - 14-Point Checklist to Give $1M by Age 40 - BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/32184487

(💸15/40) The $2 Million Car Hack: Why Smart Money Buys Used Cars (& our 5-step process for buying great ones) 07/13/2024

(💸14/40) Begin thinking like the financially free by reading these 7 books 07/06/2024

(💸14/40) Begin thinking like the financially free by reading these 7 books Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life. In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal. 🔎Here's what you're going to discover: The ONE book that trumps all others (Hint: It's probably already on your shelf) 5 wealth secrets most "gurus" don't want you to know How to retire before your parents (without winning the lottery) The psychological hack that turns pennies into millions Why your 401(k) might be leaving you broke (and what to do instead) Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers. P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package. Resources Mentioned: by Craig Hill - https://amzn.to/3JA15Lt by Randy Alcorn - https://amzn.to/3CNeoV1 by David Bach - https://amzn.to/3Psn3ny by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/ by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/ by Morgan Housel - https://amzn.to/3JWbilV Our Book: https://seedtime.com/smrl - http://seedtime.com/give1m/ BONUS: 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 . Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31996847

(💸13/40) How a 10-min 'Survival Budget' Can Transform Your Finances and Bring Peace 06/29/2024

(💸13/40) How a 10-min 'Survival Budget' Can Transform Your Finances and Bring Peace In this episode, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty. 🔎Here's what you're going to discover: The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters) Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying The surprising area where most people can save a ton of money (hint: it's not what you think) How I used this technique to stay afloat after a soul-crushing layoff in 2008 But here's the kicker: This isn't just about cutting costs. It's about finding HOPE when everything seems to be falling apart. It's about taking control when the world feels out of control. It's about transforming panic into peace of mind. Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience. Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights. Let's dive in.🎧 Resources Mentioned: - BONUS: 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 (. Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31871997

(💸12/40) The Shocking Truth About Money and Happiness: Why Most of Us Have It All Wrong 06/22/2024

(💸12/40) The Shocking Truth About Money and Happiness: Why Most of Us Have It All Wrong In this episode, we dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things. We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment. 🎯 Key Takeaways: We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point Resources Mentioned: by Tim Ferriss (book) - by Rob Berger (book) - (sparkling mineral water) - (local taco shop in our area) - - 🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us! BONUS: 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 . Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31788587

(💸11/40) How I Made $2,145 in 30 Days Selling My Clutter (and How You Can Too) 06/15/2024

(💸11/40) How I Made $2,145 in 30 Days Selling My Clutter (and How You Can Too) Have you ever felt overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process? In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results we achieved. 🔍Discover: Why minimalism isn't about living with nothing, but about intentionally promoting the things you value most How decluttering your home can lead to greater mental clarity and increased enjoyment of your possessions The three key platforms I used to sell our items and maximize our earnings I break down the process I used for each platform, sharing insider tips and strategies to help you achieve similar results. I also explain how this challenge ties into our larger goal of giving away a million dollars, emphasizing the importance of stewardship and maximizing the effectiveness of what you have. 💫The Challenge: Think you can beat my record of making $2,145 in 30 days by selling your clutter? Take on the challenge and email me ([email protected]) with your results for a special surprise bonus! 🎯 Key Takeaways: Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact. Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom. By maximizing your resources and being a good steward of what you have, you can create opportunities to be more generous and make a positive impact on the world. Resources Mentioned: Blog post: “” - How to use - : Minimalism Expert - : Joshua Becker's blog - : book by Joshua Becker - : book by Joshua Becker - : website and app for selling books - : platform for selling items locally - : global online marketplace - - BONUS: 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 . Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31652932

(💸10/40) The 1% Challenge: The Absurdly Simple Habit That Can Transform Your Financial Life Forever 06/08/2024

(💸10/40) The 1% Challenge: The Absurdly Simple Habit That Can Transform Your Financial Life Forever Today we're sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating. After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success. And the best part? It's not just about padding your bank account. The 1% Challenge also enables you to steadily scale your generosity and impact year after year, without ever stressing about the numbers. In today's episode, we'll walk you through the counterintuitive behavioral science that makes this strategy so absurdly effective, including: How the Goldilocks Rule can help you find the "just right" sweet spot for financial growth Why the Law of Marginal Gains is the secret weapon of peak performers (and how to apply it to your money) The little-known reason why small, incremental changes can actually be easier to stick with than massive, drastic overhauls We'll also share our dead-simple 3-step process for implementing the 1% Challenge in your own life, starting today. Fair warning: This episode could change your financial trajectory forever. So if you're ready to put your wealth-building on autopilot, skyrocket your impact, and still enjoy life along the way, you won't want to miss this one. Resources Mentioned: The life-changing "True Financial Freedom" online class: - - BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31632482

(💸09/40) The Surprising Science Behind Celebrating Small Wins (and How It Can Make Your Financial Dreams a Reality) 06/01/2024

(💸09/40) The Surprising Science Behind Celebrating Small Wins (and How It Can Make Your Financial Dreams a Reality) Today, Linda and I dive into a game-changing strategy for staying motivated on your financial journey—celebrating small wins! If you've ever felt overwhelmed by the enormity of your financial goals or wondered how to keep the momentum going, this episode is for you. We'll unpack why these small victories are crucial and how they can transform your financial journey from a tedious marathon into an enjoyable adventure with God. 🔍 Key Highlights: The Power of Small Wins: Why celebrating small victories can significantly enhance motivation and enjoyment on your financial journey. Stay Motivated: If you're struggling to stay motivated on your financial journey, this episode will provide you with actionable strategies to keep your spirits high and your goals in sight. Strengthen Relationships: Learn how celebrating small wins can not only help you achieve financial success but also strengthen your relationship with your spouse by working towards shared goals. Biblical Encouragement: Receive encouragement and insights from the Bible that reinforce the importance of celebrating progress, no matter how small. Practical Tips: Get practical, step-by-step advice on how to set milestones, track your progress, and celebrate your achievements in a way that aligns with your financial goals. Resources Mentioned: : Our customizable spreadsheet to help you list all your debts and prioritize which one to pay off next using the debt snowball method. - : "Simple Money, Rich Life" - : Research by Teresa Amabile on the power of small wins and their impact on motivation. - - 🎯Your Challenge: Identify Your Big Financial Goal: What is the significant financial milestone you're aiming for? Break It Down: Divide your goal into smaller, manageable milestones. Track Your Progress: Use our debt snowball sheet or another method to monitor your achievements. Plan Your Celebrations: Define how you’ll celebrate each milestone. Make it something to look forward to! 💫Connect with Us: Leave a Review: If you enjoyed this episode, please leave us a review on iTunes, Spotify, or your favorite podcast platform. Join the Conversation: Share your thoughts and milestones with us on social media @SeedTime BONUS: 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 (). Watch this episode on our ()! If you haven’t checked out our best-selling book (), 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 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. /episode/index/show/seedtime/id/31498652

SeedTime Money (Christian living & Personal Finances)

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