Seed Time Money (Christian living & Personal Finances)
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 SeedTime 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 Mark Batterson, Annie F. Downs, Joshua Becker, 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'. Get a FREE preview at https://seedtime.com/scoreboard
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(💸03/40) 5 Money Lies We Believed That Nearly Sabotaged Our Financial Future
04/22/2024
(💸03/40) 5 Money Lies We Believed That Nearly Sabotaged Our Financial Future
Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down! 🔍 Key Highlights: How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential The Simple Mindset Shifts That Allowed Us to Go From Broke to 7-Figure Givers Why Your Biggest Financial Obstacle Might Be Your Own Beliefs (and How to Change Them) How We Overcame Poverty Thinking to Achieve True Financial Freedom Resources Mentioned: for effective debt payoff Our book: For more episodes and resources, visit us at . Let’s continue this journey together towards financial freedom and abundant giving! 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 . Let’s get into it! 🎧 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.
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(💸02/40) Find your starting point by calculating your “Assets Under Management”
04/14/2024
(💸02/40) Find your starting point by calculating your “Assets Under Management”
Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God. Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals. Here's what we're diving into today: Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles. Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose. Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources. Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision. Get our FREE AUM worksheet at
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(💸01/40) how we went from stranded with $7 to giving $1 million (the full story)
04/08/2024
(💸01/40) how we went from stranded with $7 to giving $1 million (the full story)
As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering. Our wild ride from the edge of financial despair to experiencing financial miracles. Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll share the game-changing moments that reshaped our view on money and led to abundance in ways we never expected. Dreaming of giving away a million dollars might sound out of reach, but what if I told you it's possible? Let's talk about what happens when your biggest dreams and divine inspiration collide. We've got a strategy for financial victory that goes beyond the numbers. It's about mindset shifts and making smart moves. Curious about the twists and turns on that road? We're sharing all. Generosity isn't just for those with overflowing bank accounts. We found that giving, no matter where you're at financially, has the power to transform not just the receiver's life but yours too. Let's explore how the joy of giving can be part of your life, regardless of your financial status. For us, financial freedom became a tool, not the ultimate goal. It's a means to live out our mission, not the mission itself. What could redefining financial freedom mean for your life and purpose? Sometimes, the key to a financial breakthrough is found where you least expect it. We discovered simple yet profound changes that turned everything around for us. I'm excited to share those with you. Our financial story is more than just our own personal victory. It's a ripple in a larger pond, a call to action for everyone. Let's delve into how your financial journey can impact not just your life but those around you, in ways you might not even imagine. Tune in to not just hear a story of financial transformation but to ignite a spark for your own journey towards a richer life in every sense of the word. Links:
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(💸0/40) Big announcement!
03/30/2024
(💸0/40) Big announcement!
Hey, it's Bob! I've got some incredible news to share with you. We're kicking off a 40-week series titled "Our 40-week checklist to giving $1 million". Join us as we unveil our strategic checklist over the rest of 2024, packed with actions to propel you forward. Let's do this together! Each week, we'll unpack a specific action step that we took (and that you should too) that helped us reach that goal of giving away $1 million. Let's walk the journey of faith together, anticipating God's miracles in our finances. Your part matters, and with each episode, we embark on a natural-meets-supernatural adventure. Get inspired with our episodes to fuel your financial journey ahead. Join us for 40 weeks of transformation, learning, and growth. Let's do this!! 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 @seedtime.
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He interviewed 233 millionaires, and they do this ONE thing from the book of Genesis
03/29/2024
He interviewed 233 millionaires, and they do this ONE thing from the book of Genesis
If you’re curious about how millionaires build wealth, this episode is for you. 233 Millionaires were interviewed, and they did this ONE thing from the book of Genesis… 🔍 Key Highlights: Tom Corley's Study: We explore Tom Corley's fascinating study on millionaires, revealing surprising habits that led to their success. Biblical Insights: Drawing parallels between Corley's findings and biblical principles, we delve into uncovering timeless wisdom from Genesis 41. Financial Strategies: We break down practical steps to implement these principles in our modern lives, discussing strategies like the 1 percent challenge, the 50/50 rule for raises, and the importance of automating savings. Multiplication vs. Addition: Understanding the difference between saving and investing and why moving from addition to multiplication is crucial for long-term financial growth. Biblical Stewardship: Emphasizing the bigger picture of financial success as a means to advance God's kingdom and be a blessing to others. Resources Mentioned: : I spent 5 years interviewing 233 millionaires—here’s the No. 1 career move that made them rich "": A classic book confirming the correlation between savings, investing, and achieving millionaire status. : Interested in diving deeper into these topics with your small group or church? Check out SeedTime.com/true for a six-week journey of financial discovery. 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.
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The Biblical secret to financial miracles that most Christians miss
03/27/2024
The Biblical secret to financial miracles that most Christians miss
If you're seeking a breakthrough in your finances and wondering what you might be overlooking, this episode is tailored just for you. We've uncovered a pattern, a biblical approach, that seems to unlock God's provision in ways that defy human logic. Why You Should Listen: Discover the often-overlooked biblical pattern behind financial miracles and how you can apply it to your own life. Learn about the delicate balance between taking action and trusting God for the outcome, with practical examples from the Bible and real-life scenarios. Understand why God's timing and obedience to His calling are crucial components in witnessing miracles in your finances and beyond. Get inspired by a compelling testimony of financial breakthrough that defies human logic, highlighting the power of divine intervention when we align our steps with God's direction. 🔍 Key Highlights: The consistent pattern observed in financial miracles, both biblically and in personal experiences. The significance of Joshua 1:8 in understanding God's formula for prosperity and success. The critical role of our participation in God's miracles, illustrated through stories of Jehoshaphat, the boy with loaves and fishes, and David with his five smooth stones. An encouraging testimony of a couple facing insurmountable medical debt and their miraculous journey to financial freedom as they stepped out in faith towards full-time mission work. The importance of waiting for God's timing and how it plays a crucial role in experiencing breakthroughs. Strategies for hearing from God and understanding His will for your financial life and beyond. Resources Mentioned: The True class by SeedTime The book by Bob Lotich The : how to hear from God with your giving Tune in, be encouraged, and discover the biblical secret to financial miracles that could change your life. 🌟Don't forget, if this episode speaks to you, or you know someone who could benefit from it, share the love. And for more engaging and transformative content, follow us on Instagram or reach out for more personalized advice or prayer requests. We're here to serve you on your journey towards true financial freedom in God's way. 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.
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John Mark Comer on why "Christian" doesn't mean what you thought and the one thing you must do to truly follow Jesus
03/23/2024
John Mark Comer on why "Christian" doesn't mean what you thought and the one thing you must do to truly follow Jesus
Today we dive deep with John Mark Comer, author of "Practicing the Way," exploring transformative insights that bridge the gap between our financial lives and our journey with Jesus. Why You Should Listen: Why “Christian” Doesn’t Mean What You Thought & the Invitation Jesus is Really Offering This one thing heals wounds better than church, Bible study, and therapy The mistake most Christians make when praying Why following Jesus requires you to accept that you will have many unlived lives And a lot more... 🔍 Key Highlights: The Apprentice vs. the Christian: We unpack the powerful idea that the term "Christian" might not fully capture the depth of following Jesus. Instead, we explore the concept of being an apprentice to Jesus, embracing learning and growth in a way that transforms our entire life. The Misuse of the Word "Christian": John Mark Comer sheds light on how the term "Christian" has been diluted in modern Western culture, often disconnected from the disciple-making Jesus envisioned. The Power of God's Love: We discuss how meditating on God's love can profoundly change us, more than decades of striving to be more loving could ever achieve. The Role of Spiritual Practices: The conversation takes a dive into practical steps and spiritual practices that can help us access the grace and power of God in our lives, moving beyond knowledge to a lived experience of God's love. The Importance of Prayer: We challenge the common approach to prayer as a one-sided conversation, encouraging a deeper, contemplative engagement with God that transcends words. The Concept of Renunciation: A thought-provoking discussion on the necessity of renunciation in our lives, especially in the context of discipleship, vocation, and family, highlighting the need to live in alignment with our deepest values. Choosing the Way of Jesus: An exploration of how embracing the way of Jesus involves making tough choices about how we live, work, and relate to others, prioritizing what truly matters over societal expectations. Resources Mentioned "" by John Mark Comer "" by Tyler Staton "" by John Mark Comer 💫Connect with Us: For more enriching discussions and resources on living a faith-filled life that honors God with your finances, visit . Interested in connecting with our community or diving deeper with a small group or church? Visit for more details on how we can support your journey. 🔊Let's Continue the Conversation: We'd love to hear from you! Reach out to us on Instagram , or send an email to [email protected]. Let's explore how we can continue to grow together in faith and financial stewardship. Thank you for tuning in to the SeedTime Money Podcast. If this episode has touched your heart or sparked curiosity, consider sharing it with a friend or leaving us a review. Your support helps us reach more people with the message of combining faith and finances in a way that honors God. 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.
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This is how we are fixing our OUT OF CONTROL grocery budget (to save $600/m)
03/21/2024
This is how we are fixing our OUT OF CONTROL grocery budget (to save $600/m)
Today, Linda and I dive deep into a topic that's been on our minds lately: our out-of-control grocery bill. If you've ever found yourself halfway through the month with an empty grocery budget, you're not alone. Here's a glimpse into our conversation and the strategies we're implementing to save $600 per month on groceries: 🔍 Key Topics Covered: Understanding the Root Cause: We reflect on recent events like our vacation to Hawaii and how they contributed to overspending on groceries. Inflation Woes: We discuss the staggering increase in food prices, with examples from our recent grocery trips. Taking Control with Data: We emphasize the importance of tracking expenses using tools like Personal Capital (now Empower Personal Dashboard) or RocketMoney to gain clarity on spending patterns. Snack Strategy: We share our plan to reduce spending on prepackaged snacks by opting for healthier, more cost-effective options like fruits and vegetables. Strategic Shopping: We explore the benefits of sticking to one primary grocery store, focusing on cost-effective options like Costco and leveraging sales and seasonal items to save money. Meal Planning Mastery: We discuss the value of meal planning to prevent impulse purchases and ensure cost-effective meals. Budget Evaluation: We highlight the importance of evaluating the cost of each meal and identifying areas where savings can be maximized. . Resources Mentioned: : A tool for tracking expenses and gaining insights into spending patterns. : An alternative tool for budget tracking and expense categorization. , , , , : Various grocery stores discussed for strategic shopping. : The best times to buy certain groceries. 💫Connect with Us: If you enjoyed this episode and want to engage further, we'd love to hear from you! Reach out to us on Instagram , or via email at [email protected]. Plus, if you're interested in hosting a six-week session with your small group or church, visit for more details. Thanks for tuning in! Don't forget to subscribe, leave a review, and share this episode with friends who could benefit from budget-saving tips. We appreciate your support! Watch this episode on our ! .
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Deciding between a $90k job offer or a $45k ministry job [5 questions to help bring clarity]
03/09/2024
Deciding between a $90k job offer or a $45k ministry job [5 questions to help bring clarity]
One of our listeners, Michael, is weighing the pros and cons of staying in a beloved ministry job that pays $45k or switching gears for a $90k corporate gig. He asked our advice, so here goes... 🔍 Key Highlights: The Big Decision: Michael's predicament and the universal challenge of choosing between financial security and fulfilling work. Asking the Right Questions: We discuss five crucial questions to help you (or someone you know) navigate similar crossroads with clarity and faith. God's Guidance vs. Financial Gain: How to align your career choices with your calling and ensure your work serves a higher purpose. Resources Mentioned: : A guide for those seeking practical steps to manage finances effectively. : Dive into our philosophy on money, giving, and living a life aligned with God's calling. Looking for more Bob and Linda? Connect with us for a 6-week journey with your small group or church. Find out more at or hit us up on Instagram . Let's bring faith, finances, and fun into closer alignment in your life! 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.
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Why asking how much you should give is the wrong question (and the 1 question every Christian making more than $50k/yr should be asking)
03/06/2024
Why asking how much you should give is the wrong question (and the 1 question every Christian making more than $50k/yr should be asking)
Today, we're chatting with Greg Baumer, co-author of "True Riches: What Jesus Really Said About Money and Your Heart" and "God and Money." This is a thought-provoking discussion as we explore the intersection of faith, finances, and finding true contentment in Christ. 🔍 Key Highlights: Greg Baumer's Journey: Discover how Greg and his co-author, John, navigated the world of wealth and business at Harvard and how this journey transformed their understanding of money and faith. Confronting Materialism: A candid look into how our culture is deeply entrenched in materialism and how this affects our spiritual lives. The 'Christian Halo' Over the American Dream: Challenging the common Christian financial narrative that focuses more on material success than spiritual wealth. Generosity vs. Coveting: Greg discusses the dangers of coveting and the powerful impact of true generosity in our lives. Financial Choices Reflecting Faith: How our spending, saving, and giving can be a testament to our faith and values. Identity and Possessions: A personal story from Greg about redefining identity in Christ, not in material possessions. Resources Mentioned: Book: "" by Greg Baumer and John Cortines Book: "" by Greg Baumer and John Cortines : An organization focused on spreading the message of biblical generosity and offering retreats like the Journey of Generosity Subscribe to the SeedTime Money Podcast for more episodes that empower you to live a financially free and purpose-driven life. 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.
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[Pt 2] Why we decided to adopt & our biggest mistake (and the 10 most common questions we get)
03/02/2024
[Pt 2] Why we decided to adopt & our biggest mistake (and the 10 most common questions we get)
Back with part 2! And the 10 most common questions we get about adoption. 🔍 A few AI generated Key Highlights: Our Adoption Journey: Hear why we chose to adopt, the challenges we faced, and our biggest mistake – not fully understanding the difference between adoption and placement agencies. Adoption vs. Placement Agencies: Learn from our experience about the crucial differences between these two and why it matters in your adoption process. Costs and Legal Aspects: We delve into the financial and legal sides of adoption, providing real numbers and insights to help you prepare. Handling Social Worker Responsibilities: Discover the unexpected role Linda had to play in our first adoption and why having a social worker is vital. Emotional Preparation and Faith: We discuss the importance of prayer, trust in God, and emotional readiness for the adoption process. Adoption Agency Selection: Insights into choosing the right agency and how to make your profile stand out to potential birth mothers. Open vs. Closed Adoptions: Learn from our experiences of having two different types of adoptions and how they impacted us. Common Questions Answered: Eligibility Requirements: What you need to know about being eligible for adoption. Legal and Custody Issues: Our experience and advice on handling legalities. Can Birth Mothers Change Their Minds?: Understanding the legalities and emotional aspects. Adoption Process Duration: Insights into timelines and preparing yourself. Adoption Costs: Real numbers and tips for financial planning. Adopting with Biological Children: What you need to consider. Role of Birth Parents: How birth parents are involved in the process. Preparing Emotionally: The importance of prayer and an open heart. Matching Process: How agencies match children with families. Starting the Adoption Process: Practical first steps to take. Resources Mentioned: Adoption Agencies: and Financial Aid: (and government programs) Scriptural Reference: James 1:27 (on caring for orphans) (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) 🌱 Connect with Us: Instagram: @seedtime Email: [email protected] Visit for more details on joining us for a six-week small group or church session. Until next time, keep sowing your financial seeds and let’s grow together in God’s plan for our finances! 🌟 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.
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[Pt 1] Why we decided to adopt & our biggest mistake (and the 10 most common questions we get)
02/28/2024
[Pt 1] Why we decided to adopt & our biggest mistake (and the 10 most common questions we get)
Adoption. While it might not seem like a typical 'money' topic, trust us, it's significantly impacted our lives, both personally and financially. 💡Episode Highlights Our Adoption Story: We share our journey of adopting two of our children, including the emotional and spiritual revelations experienced along the way. God's Hand in Adoption: We discuss how adoption reflects God's love and our adoption into His kingdom, emphasizing the spiritual aspect of this journey. Challenges and Realizations: From emotional struggles to practical hurdles, we delve into the complexities of the adoption process. Debunking Myths: We challenge common misconceptions about adoption, emphasizing that it's not a 'plan B' but a beautiful, divinely-guided path. Birth Mothers' Perspectives: Understanding and respecting the birth mothers' experiences and decisions are crucial in the adoption journey. Listener Questions Answered: We address 10 frequently asked questions about adoption, offering insights from our personal experiences. 👋 Want More Bob and Linda? Join us for a 6-week journey with your small group or church. Visit seedtime.com/true or DM us on Instagram @seedtime. 📝Join Us Next Time: Don't miss the next episode, where we reveal our biggest adoption mistake and delve deeper into your burning questions about adoption. 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.
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✈️ How we're getting 12 flights FREE this year (and how you can too)
02/24/2024
✈️ How we're getting 12 flights FREE this year (and how you can too)
Want 12 FREE flights on Southwest this year? It is far easier than you think, and in this episode we are breaking down how we are doing this and how you can too. Resources Mentioned: : Dive deeper into our exact travel strategies. : Get all the details about this extremely RARE promotion Our Passive With Purpose workshop: 🔍 Key Highlights: Our Journey with Free Travel: We're sharing our personal experiences and strategies for traveling for free. From flights to hotel stays, we've mastered the art of maximizing rewards. The 80/20 of Travel Hacking: We'll discuss how we focus on efficiency and simplicity rather than getting bogged down in complex travel hacking techniques. The Power of Points: Learn why not all points are created equal and how understanding the nuances can unlock incredible travel opportunities. Southwest Companion Pass Promotion: Discover how Southwest Airlines is offering a game-changing promotion that could land you a companion pass for a year. Credit Card Wisdom: While we're all about maximizing rewards, we'll also touch on the importance of responsible credit card use and share our three golden rules. As always, thanks for tuning in, and don't forget to share this episode with friends and family who could use some financial wisdom. Until next time, stay blessed and keep thriving! 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.
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This is why SeedTime exists (and our 40 year goal)
02/21/2024
This is why SeedTime exists (and our 40 year goal)
Today we're excited to dive into the heart of why SeedTime exists and share our 40-year vision with you. 🔍 Key Topics & Questions Covered Clarifying the SeedTime Mission: Understanding the 'why' behind our brand and its evolving journey. Personal Reflections: How Bob and Linda's 18-year journey has shaped SeedTime's vision. The SeedTime Credo: A powerful statement reflecting our goal of inviting God into our finances. The Impact of Christian Generosity: Discussing the potential cultural and societal changes when Christians become the most generous faith group. Redefining Culture through Faith: The role of Christian values in influencing culture, with examples from Chip and Joanna Gaines. The Practical Side of Faith and Finances: How managing finances according to God's will can impact adoption, foster care, and personal decisions. The Personal Touch: Linda's insights on balancing material desires with spiritual commitments. Resources Mentioned: SeedTime Website: Visit for more resources and information. SeedTime Small Group Experience: Learn how you can bring this transformation to your small group or church at . 🤝 Connect and Contribute: Have a prayer request or want to join a conversation? Reach out to us on Instagram at . Your reviews help us grow and reach more people — please consider leaving one! 🌟 Special Offer: Interested in a 6-week group session with us? Visit seedtime.com/true for more details. 💬 Final Thoughts: This episode is not just about managing money; it's about shaping lives and communities through God-led generosity and wisdom. It's a call to action for every Christian to rethink their financial habits and its broader impact. This episode is a must-listen for anyone seeking to align their financial practices with their faith. 🌱 SeedTime Money Podcast — where faith meets finance, and where your money journey transforms not just your life, but the world around you. 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.
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7 Biblical reasons to earn more (and a special invite)
02/16/2024
7 Biblical reasons to earn more (and a special invite)
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She Was Paid Over $20K in Error—What She Did Next Blew us away
02/14/2024
She Was Paid Over $20K in Error—What She Did Next Blew us away
1. Today's story is a true testament to faith, trust, and the unexpected ways God works in our finances. 2. Pardon the 'iPhone in a bathroom' sound of the mic today LOL - we had an issue and should have it fixed going forward! A little of what we are talking about... A Surprising Email: Discover the story of a SeedTime listener who faced an unexpected financial dilemma—being overpaid by $20,000! A Test of Faith: Hear how this situation turned into a powerful test of faith and trust in God's provision. Deep Insights: Linda and I dive deep into what true financial freedom means and how it's more about heart condition than bank account balance. Real-Life Application: Learn how to handle financial surprises and tests with grace and trust in God. Resources Mentioned: SeedTime courses - Our Book: Simple Money, Rich Life - Grab a copy of our Assets Under Management (AUM) sheet - 🌟 Connect with Us: Share your stories and questions: Email me at [email protected] or DM on Instagram Join our community: Interested in diving deeper into these topics with your small group or church? Visit for details on how we can serve your group. Remember, this journey isn't just about becoming debt-free or accumulating wealth; it's about aligning our hearts and finances with God's purpose. This episode is a powerful reminder that our financial journey intertwines deeply with our spiritual walk. So, tune in, get inspired, and let's continue to grow together in faith and financial wisdom! Stay blessed and keep seeking God in all aspects of your life, including your finances! Exciting News: We're working on SeedTime merch! Have any T-shirt ideas or know a great designer? Let us know! 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 400 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.
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3 things your teen needs to know about money
02/10/2024
3 things your teen needs to know about money
In this episode, I'm thrilled to have my friend and teen money expert, Derek Kinney, join me for a deep dive into teaching teens about money management. Whether you're a parent to teens or just starting to educate your younger kids about finances, this episode is packed with insights, strategies, and real-life examples to guide you through this critical journey. 📢Here's what you'll discover: Earnings vs. Allowance: Derek shares his philosophy on this crucial aspect, emphasizing the need for teens to understand the value of earning and contributing to the family. Financial Mistakes as Learning Tools: We discuss the power of sharing our financial failings with our kids, making us more relatable and teaching important lessons. Wants vs. Needs: How to help teens distinguish between these, using relatable examples like brand preferences and consumer behavior. Credit Card Wisdom: We dive into the responsible use of credit cards, teaching teens to view them as tools rather than temptations. Preparing Teens for the Real World: Derek introduces his program, 'Simple Teen Success', a comprehensive guide to equip teens with essential life, business, and money skills. Personal Parenting Insights: We share our personal experiences and epiphanies in parenting teens, especially during their crucial senior year of high school. 🎧Compelling Reasons to Listen: Discover practical strategies to teach your teens about financial responsibility. Learn how to use your financial mistakes as powerful teaching tools. Get insights on preparing your teens for real-world challenges, beyond academic success. Understand how to guide your kids in using credit cards wisely. Hear about an innovative program designed to equip teens with essential life skills. 🎯Resources Mentioned: Simple Teen Success Program: A subscription-based resource offering courses and live streams on business, money, and life skills for teens. More details at . Free Downloadable Guide: "Five Strategies to Win in Life for Teens," available at . Final Thoughts: In this episode, we've uncovered valuable insights and tools not just for teens, but also for us as parents. It's about partnering in our children's financial education journey, using our experiences and the resources available to us. Join Derek and me in this engaging conversation, and let’s empower the next generation together! Connect with Us: If this episode resonates with you, or you know someone who might find it helpful, please share it. You can reach out to us at [email protected] or via 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 Book of the Year by ICFH and has over 500 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.
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We gave her $2k and this happened…
02/07/2024
We gave her $2k and this happened…
Broadcasting from sunny Hawaii, we're diving into a story that beautifully illustrates God's creativity and provision. 🎯Resources Mentioned: SeedTime's Net Given Tracking Sheet: A tool to track your blessings and giving. Available at: Our Book, "": Discover more about financial freedom and giving in Chapter 26. True Financial Freedom Class: Our flagship class designed for individuals and groups, focusing on fulfilling your God-given purpose and breaking free from hidden money beliefs. Details at Watch this episode on our !
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If we lost it all, these are the 7 things we would do...
02/03/2024
If we lost it all, these are the 7 things we would do...
In this episode, we're diving into a thought-provoking topic: "If We Lost It All: The 7 Things We Would Do." In This Episode, We Discuss: The Power of a Favorite Sweatshirt: Discover why Linda's Aloha sweatshirt symbolizes more than just comfort. Responding to Financial Setbacks: We open up about how we would rebuild from scratch, sharing our personal strategies and mindsets. Practical Steps to Financial Recovery: From survival budgets to leveraging social media, learn actionable steps to regain financial stability. The Role of Faith in Finances: Explore how our faith shapes our approach to financial challenges and opportunities. Maximizing Resources and Opportunities: Tips on focusing efforts for greater impact in rebuilding. The Importance of Unity in Marriage: How working together as a couple can strengthen your financial and spiritual journey. 🎯Resources Mentioned: : A great source of inspiration aligning with our mission. : Our book offering a comprehensive guide to managing finances God's way. Find our free PDF with prayer starters and financial verses. : A recommended read for anyone interested in writing impactful books. Subscribe & Review: If this episode has helped you, please subscribe and leave a review on iTunes. Your feedback helps us reach more people and continue our mission! 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 500 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.
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How your work directly impacts what happens when you get to heaven (with Jordan Raynor)
01/27/2024
How your work directly impacts what happens when you get to heaven (with Jordan Raynor)
Today we are chatting with Jordan Raynor, as we dive deep into his new book, "The Sacredness of Secular Work," and explore how our everyday jobs impact eternity. I love our conversation (and think you will too) as it challenges the conventional view of work as just a means to an end and encourages us to find divine purpose in our professions. Key Topics Discussed 🔑 Redefining Work in God's Kingdom: Jordan discusses how every profession, from baristas to CPAs, holds eternal significance. This challenges the notion that only 'ministry' work is meaningful for Christians. Impactful Stories & Examples: Hear about individuals like Chassie, who found her calling as a hairstylist, and learn how embracing our God-given talents can lead to greater fulfillment and opportunities to witness. Debunking the Great Commission Misconception: Jordan addresses the modern church's narrow interpretation of the Great Commission and its impact on believers' view of their work. Eternal Rewards and their Importance: A fresh perspective on why Christians should eagerly pursue eternal rewards as instructed by Jesus. The Concept of the 'Anti-Bucket List': Jordan introduces the idea of focusing on eternal priorities over worldly experiences. Practical Application: How these revelations can profoundly affect our daily lives and work. Resources Mentioned 🎯 Book: " Scriptural References: Extensive biblical insights provided, including Isaiah 65, Ephesians 6, and more. Where to Find the Book 📖 "The Sacredness of Secular Work" is available wherever books are sold or visit for more information. Tune in now for this inspiring episode on the SeedTime Money Podcast and redefine how you view your work and its eternal significance! 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 Book of the Year by IFCFH and has over 500 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.
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Never forget! God is your provider!
01/20/2024
Never forget! God is your provider!
Hey friends! It's a Linda-only episode today. And I am excited to share something that I've had on my heart about this! 📢Here's what we'll cover: A Deep Dive into "The Knowledge of the Holy" by A.W. Tozer: I share my reflections on this impactful book that explores God's attributes in ways you might have never considered. It's a must-read for anyone looking to expand their understanding of the divine. God's Imagination vs. Ours: Discover how our creativity and imagination are actually reflections of God’s own creative power, putting our capabilities into a humbling perspective. God's Attributes Beyond Our Understanding: Delving into the attributes of God that we, as humans, might not fully grasp due to our earthly limitations. Jehovah Jireh - Our Provider: A powerful discussion on how God provides for us in multifaceted ways, beyond our conventional understanding of provision. Practical Reflections on Finances: I share personal anecdotes about looking beyond financial challenges and recognizing God's provision in unexpected ways. A Reminder for the Holiday Season: As we navigate the pressures of spending and consumption, I encourage you to remember that our ultimate provider isn’t the material world but God himself. 🎯Resources Mentioned: "" by A.W. Tozer 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 500 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.
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Our top 5 essential tools for running our business
01/13/2024
Our top 5 essential tools for running our business
Hey there, SeedTime family! If you're a business owner, freelancer, or just curious about the tools that we use make our business thrive, this episode is for you! And if you have any tools or apps that you love in this area please send us a DM on Instagram @seedtime 🎯Resources Mentioned: Join our flagship class, True Financial Freedom, for more insights on aligning your finances with your God-given purpose. Check it out at . 🌺 Mahalo and see you in the next episode! 🌺 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 400 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.
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What growing up broke taught me about money
01/06/2024
What growing up broke taught me about money
Hey friends, today I'm taking a deep dive into my personal journey, sharing heartfelt and sometimes humorous stories from my childhood about growing up in financially tight circumstances. This isn't just about the struggles, but about the invaluable lessons learned and the hope that shines through. 🔑 Key Takeaways: The Importance of Perspective: Recognizing that someone always has it worse and the power of counting your blessings. The Cost of Being Broke: Insight into how financial struggles can lead to further expenses and the cycle of poverty. Choosing Your Hard: Deciding between the difficulty of staying in financial hardship and the challenge of working your way out of it. The Power of Working Smart: Understanding that hard work is valuable, but directing efforts in the most effective way is crucial. Overcoming Financial Identity: How to avoid letting financial struggles become a defining part of your identity. Strength from Hardship: Recognizing that difficult experiences can lead to growth and resilience. 🎯 Resources Mentioned: : Our unique approach to managing finances effectively. 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 400 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.
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[Budget breakdown] our advice to a reader facing bankruptcy with 3 little kids
12/30/2023
[Budget breakdown] our advice to a reader facing bankruptcy with 3 little kids
In this episode,we share a personal conversation with a reader who's grappling with this tough situation, and I offer some practical, heartfelt advice based on their specific circumstances. 📢Here's what you'll discover: The Reader's Dilemma: An in-depth look at a family facing bankruptcy, struggling with debt, and trying to make ends meet. Budget Breakdown: Tips on reducing expenses in various categories like groceries, transportation, and childcare. Income Generation Ideas: Creative solutions for increasing income through gig work, leveraging assets, and cutting back on non-essentials. Managing Debt and Bankruptcy: Insights into navigating Chapter 13 bankruptcy and planning for a financially stable future. 🎯Resources Mentioned: : Get cash back on everyday necessities : for saving on fuel : for buying reliable used cars "" by A.W. Tozer Our book - Our class - . 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 500 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.
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Should Christians 'invest' in crypto? What does the Bible say?
12/27/2023
Should Christians 'invest' in crypto? What does the Bible say?
Today we dive deep into a topic that's been stirring up a lot of questions and curiosity: Cryptocurrency, especially Bitcoin, and its place in the world of Christian finance. With Bitcoin's price nearly doubling in the last 3 months, it inevitably gets people interested and I have been getting more questions like: Should Christians invest in Bitcoin? What does the Bible say about Cryptocurrency? Is crypto okay for Christians to invest in? And so I wanted to take a few minutes today to give my thoughts on it. 📢Here's what you'll discover: How it might be similar to an investment that Abraham had What the Bible says (or hints at) about crypto The fine line between gambling and investing, and how this distinction is critical here Whether or not it is the one-world currency the Bible speaks of in Revelation Why it is an especially bad idea for certain people What I am personally doing right now 🎧 Reasons to Listen: For Clarity and Direction: Whether you're a crypto-curious Christian, a skeptic, or somewhere in between, this episode offers a balanced, biblically-informed perspective on cryptocurrency. Educational and Empowering: Gain valuable insights from my extensive research and personal experiences in crypto investing, tailored for our Christian community. Practical Tips and Tools: Learn how to approach crypto investing wisely and in alignment with biblical principles. 🎯Resources Mentioned: I just . : A comprehensive guide to smart investing, from the basics to advanced strategies. : A curated compilation of over 100 hours of crypto research, simplified for your understanding. : Crypto. The future? A hyped bubble? & a look at how I am investing in it : Providing additional insights into the nature and future of Bitcoin. Interested in these resources? Email me at [email protected] or DM-: on Instagram. Invite your friends and family who are curious about crypto to listen to this episode and the one from January 21st, 2023, for a thorough understanding of cryptocurrency from a Christian perspective. Let's navigate these waters together, equipped with knowledge, wisdom, and faith! I think there are a lot of angles and a lot to explore here so I’d love to hear where you are on this in the comments section as well. 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 500 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.
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This type of house is guaranteed to make you unhappy
12/22/2023
This type of house is guaranteed to make you unhappy
Today we want to explore an observation from a multi-billionaire about housing that we find to be fascinating. Hope you find this as interesting as we do!! 🎯Resources Mentioned: Our book, "" Podcast: by TJ and Brooke Mousetis 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 500 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.
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Watch us get speaking coaching from veteran Pro-speaker Christy Wright
12/16/2023
Watch us get speaking coaching from veteran Pro-speaker Christy Wright
Even if you don't consider yourself to be a speaker, you probably are. Most of us all talk to people a LOT - from coworkers to friend groups to our families, and we can all grow in our ability to communicate. Christy Wright is an author, certified business coach, and world-class professional speaker. You might also know her from the decade or so she worked with Dave Ramsey's team. So whether you are a business leader, content creator, volunteer leader, or just a leader in your household, you could probably sharpen up your speaking skills, and this episode is going to help you do that. So earlier this year, Linda and I gave a 5-minute offering message at our church, sharing about a revelation we had about giving. In this episode, Christy is coaching us on how to make it better and improve our communication and speaking skills. This episode was EXTREMELY high value for us, so I pray that you will get the same benefit from it that we did! And when you are done listening, head over to Christy's website to grab her free PDF "The top 10 mistakes all speakers make" - 🔑Key Topics Covered: The Importance of Effective Communication: We all communicate daily in different settings. Learn why honing this skill is crucial. Overcoming Communication Challenges: Insights into common hurdles and how to navigate them effectively. Practical Tips for Public Speaking: Christy breaks down strategies to improve public speaking, including body language and audience engagement. Applying Communication Skills in Everyday Life: How to use these skills in regular interactions with family, colleagues, and in ministry. 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 500 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.
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Business savings accounts I found paying 4% or more...
12/09/2023
Business savings accounts I found paying 4% or more...
Today, I'm diving deep into the world of business savings accounts and how you can make your money work harder for you and your faith. With interest rates climbing, I've scoured the market to find the best options for your business savings – and I can't wait to share these gems with you. Whether you're a seasoned business owner or just starting, this episode is packed with valuable insights and practical tips to enhance your financial stewardship. Key Topics and Questions: The State of Business Savings Accounts: How have rising interest rates affected the options available for business savings? I delve into the current landscape. Discovering High-Yield Options: I share my personal journey of finding business savings accounts that offer more than the standard 0.1% interest rate, including some that offer up to 4%. Bank Selection: Why did I choose Relay Bank for my primary business checking account, and what makes them stand out in the market? Top Business Savings Accounts: I discuss my top picks, including LiveOak Bank, Axis Bank, and the unique Wesleyan Investment Foundation. Balancing Returns and Risks: Understand the balance between high returns and the security of FDIC insurance. My Personal Finance Moves: Find why I chose the bank I did my business savings and why I didn't choose the other options. Resources Mentioned: : A standout option for business banking with a savings rate higher than most. : Provided crucial information in my research for high-yield savings accounts. : Offering a 4% business savings account and a 6-month business CD with over 5% interest. : A good choice for those with an existing personal account, offering a 4% business savings account with a $5,000 minimum deposit. : A unique investment opportunity for Christians, offering up to 6% interest while supporting church loans. 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 500 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.
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Mint.com is shutting down... (our 2 favorite alternatives)
12/02/2023
Mint.com is shutting down... (our 2 favorite alternatives)
With Mint.com closing its doors, many are left wondering, "What now?" Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today. Here's a sneak peek of what we cover in this episode: The Limitations of Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a lack of built-in accountability. This lack of consequences for overspending makes it easier to deviate from your budgeting goals. Our Go-To Financial Tracking Tool: Discover the power of the Empower Personal Dashboard, our primary tool for the past decade. It's a free, comprehensive app that excels in financial tracking, overshadowing what Mint offered. Revolutionizing Budgeting with The Real Money Method: Learn about our unique approach to budgeting, which doesn't rely on traditional apps, envelopes, or spreadsheets. We share how this method promotes unity in finances and simplifies money management, making it quicker and more effective. Resources Mentioned: : Our top recommendation for financial tracking. : A budgeting approach that ditches complexity for simplicity and effectiveness. Check out the details and enroll here to transform your financial life. Get 20% off our with code MINT20. Don't miss out on this episode full of practical advice and real-life stories that will inspire you to take control of your finances in a way that aligns with your values and lifestyle. Tune in to find out how you can start writing your own success story today! 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 400 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.
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The 4 red flags of the Tranzact card (why I am saying NO to the Tranzact card…)
11/28/2023
The 4 red flags of the Tranzact card (why I am saying NO to the Tranzact card…)
I have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven’t heard, basically it is a debit card that provides “Z-Bucks” that can be used to buy everyday items. In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year… I have some friends who are using it and who are excited about it, but I always do my own due diligence and go with my intuition and I am not feeling good about it. These are the red flags and the reasons I am passing on Tranzact (and make sure you listen til the last one, because it is the nail in the coffin for me.)… 🎯Resources Mentioned: : An overview of the card, its features, and the claims made by the company. : here at SeedTime : online marketplace. Richard Smith in 2010 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 400 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.
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