by Bob Lotich, Linda Lotich
God’s put a dream on your heart. Don’t let money get in the way. Learn to simplify, automate, multiply & get full control of the money God’s entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose. Oh and we have a different take on money than most financial experts. 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/
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Publishing Since
4/2/2018
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March 22, 2025
<p dir="ltr">For nine straight years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward.</p> <p dir="ltr">I had no clue what to do. I felt helpless. The numbers were bad—worse than I realized. And I remember thinking: God, did you bring me here just to let it all fall apart?</p> <p dir="ltr">But what happened next changed everything.</p> <p dir="ltr">In this episode, I take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in $11K. I share my raw, unfiltered journal entries from that time and the powerful realization that pulled me out of the pit.</p> <p dir="ltr">If you're in a season where you're wondering if God is still moving in your life, this is for you.</p> <p dir="ltr" role="presentation"> </p> <p dir="ltr"> </p> <p dir="ltr">💡 Resources Mentioned:</p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): <a href= "https://seedtime.com/free">https://seedtime.com/free</a> </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">🙌 If this episode encouraged you, send it to a friend who needs to hear it.</p> <p> </p> <p dir="ltr">BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to <a href= "https://seedtime.com/true">https://seedtime.com/true</a> for details or shoot us a DM on Instagram (<a href= "http://instagram.com/seedtime">http://instagram.com/seedtime</a>).</p> <p><strong> </strong></p> <p dir="ltr">Watch this episode on our <a href= "https://www.youtube.com/@seedtimepodcast">SeedTime Money Podcast YouTube channel</a> (<a href= "https://youtu.be/2kSwpTUjops">https://youtu.be/2kSwpTUjops</a>)!</p> <p><strong> </strong></p> <p dir="ltr">If you haven’t checked out our best-selling book <a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a> (<a href= "https://seedtime.com/smrl/">https://seedtime.com/smrl/</a>), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href= "https://seedtime.com/sample">https://SeedTime.com/sample</a> 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.</p> <p><strong id= "docs-internal-guid-4f15630b-7fff-c255-3d6f-d2261f48d6fb"><br /> <br /></strong></p>
March 15, 2025
<p dir="ltr">Jamie Winship is back. Kind of. We are sharing pieces of a talk he gave where he shared some powerful insights about how he thinks about money. We loved them so we wanted to share them with you!<br /> <br /> What happens when God takes away everything you thought you needed? What if the greatest financial lesson isn’t about making more but trusting more?</p> <p dir="ltr">In this episode, we explore how God provides in ways we could never predict—whether it’s cash mysteriously appearing in a newspaper, a stranger covering a need at just the right moment, or learning the hard lesson that we can’t out-give or out-risk God.</p> <p dir="ltr">We also share our own financial journey—times of abundance, times of struggle, and the unexpected ways God has shown up through it all. If you've ever wrestled with financial insecurity, struggled with trusting God in your provision, or just want to hear some mind-blowing testimonies of faith in action, this episode is for you.</p> <p dir="ltr"> </p> <p dir="ltr"><strong>What You'll Learn in This Episode:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why money can be one of the biggest barriers to truly trusting God</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How Jamie Winship and his family lived for two years with zero income and saw God provide</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The sneaky ways financial security can shift our trust away from God</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The power of childlike faith when it comes to provision</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why you can't out-risk or out-give God</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How to break free from the world’s financial norms and live in God’s economy</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr"><strong>Resources Mentioned:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): <a href= "https://seedtime.com/free">https://seedtime.com/free</a></p> </li> <li dir="ltr" aria-level="1">Our previous episode with Jamie Winship where we discussed removing fear in our finances: <a href= "https://youtu.be/sIescTfM6DA?si=8Kbs0rUiURv9cjCD" target="_blank" rel= "noopener">https://youtu.be/sIescTfM6DA?si=8Kbs0rUiURv9cjCD</a></li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Jamie Winship’s Full Message: <a href= "https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2">https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2</a></p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Jamie Winship’s Website: <a href= "https://www.identityexchange.com/">https://identityexchange.com/</a> </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">George Müller’s Story – A classic example of radical financial faith: <a href= "https://www.georgemuller.org/devotional/a-famous-story-about-mullers-faith"> https://georgemuller.org/devotional/a-famous-story-about-mullers-faith</a></p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr"><strong>Join the Conversation:</strong><br /> How has God provided for you in unexpected ways? Share your testimony with us in the comments or DM us on Instagram <a href= "http://instagram.com/seedtime">@Seedtime</a>. We’d love to hear how He’s been moving in your life!</p> <p dir="ltr"> </p> <p dir="ltr">Don’t forget to subscribe & leave a review! If this episode blessed you, share it with a friend who needs to hear it. 🙌</p> <p><strong> </strong></p> <p dir="ltr">BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to <a href= "https://seedtime.com/true">https://seedtime.com/true</a> for details or shoot us a DM on Instagram (<a href= "http://instagram.com/seedtime">http://instagram.com/seedtime</a>).</p> <p><strong> </strong></p> <p dir="ltr">Watch this episode on our <a href= "https://www.youtube.com/@seedtimepodcast">SeedTime Money Podcast YouTube channel</a> (<a href= "https://youtu.be/Yl-3FQFH1FU">https://youtu.be/Yl-3FQFH1FU</a>)!</p> <p><strong> </strong></p> <p dir="ltr">If you haven’t checked out our best-selling book <a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a> (<a href= "https://seedtime.com/smrl/">https://seedtime.com/smrl/</a>), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p>You can take it for a test drive for FREE at <a href= "https://seedtime.com/sample">https://SeedTime.com/sample</a> 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.</p>
March 8, 2025
<p dir="ltr">Hey friend! It is Linda driving this one today! And most of us know Jehovah Jireh as "The Lord Who Provides"—but what if we’ve been missing something even deeper?</p> <p dir="ltr">In this episode, I sit down with Shelly Griffin, a Biblical scholar and dear friend whose understanding of God's names will challenge everything you thought you knew about faith, surrender, and divine provision.</p> <p><strong> </strong></p> <p dir="ltr"><strong>We dive deep into:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The hidden meaning of "Jehovah Jireh" that changes how we see God's provision.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why God doesn't just see—He sees TO IT.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The gut-wrenching story of Abraham and Isaac and why it makes no sense… until it does.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How God’s timing is never random—He provides in the exact moment we need Him.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The personal struggles, modern-day tests of faith, and why surrender is the key to experiencing God's presence.</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr"><strong>If you've ever wondered:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">"Why would God ask me to give something up—especially something He gave me?</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Why does obedience feel so costly sometimes?"</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">"How can I know if God will REALLY provide?"</p> </li> </ul> <p dir="ltr">This episode will give you answers—and maybe even wreck you (in the best way).</p> <p dir="ltr"> </p> <p dir="ltr"><strong>Resources Mentioned:</strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Genesis 22 – The story of Abraham & Isaac</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Hebrews 11 – The faith chapter</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">CeCe Winans – “Refiner” ( Highly recommend): <a href= "https://open.spotify.com/track/4pduLDsqSxHd2eOMt8VHt3">https://open.spotify.com/track/4pduLDsqSxHd2eOMt8VHt3</a></p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Study on the Names of God</p> </li> </ul> <p dir="ltr"> </p> <p> </p> <p dir="ltr">BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to <a href= "https://seedtime.com/true">https://seedtime.com/true</a> for details or shoot us a DM on Instagram (<a href= "http://instagram.com/seedtime">http://instagram.com/seedtime</a>).</p> <p><strong> </strong></p> <p dir="ltr">Watch this episode on our <a href= "https://www.youtube.com/@seedtimepodcast">SeedTime Money Podcast YouTube channel</a> (<a href= "https://youtu.be/JBw37vd8AOE">https://youtu.be/JBw37vd8AOE</a>)!</p> <p><strong> </strong></p> <p dir="ltr">If you haven’t checked out our best-selling book <a href="https://seedtime.com/smrl/">Simple Money, Rich Life</a> (<a href= "https://seedtime.com/smrl/">https://seedtime.com/smrl/</a>), we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 800 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” </p> <p dir="ltr">You can take it for a test drive for FREE at <a href= "https://seedtime.com/sample">https://SeedTime.com/sample</a> 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.</p>
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