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SeedTime with Bob and Linda Lotich

SeedTime with Bob and Linda Lotich

De: Bob Lotich Linda Lotich
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Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. 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. 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. 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, Levi Lusko, 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 real lives. 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/© SeedTime Money (SeedTime.com) Cristianismo Economía Espiritualidad Finanzas Personales Ministerio y Evangelismo
Episodios
  • Why When You Feel Least Qualified Is When God Does His Best Work
    Apr 17 2026

    The day Jesus fed five thousand people from almost nothing — he was also grieving the violent death of his best friend and cousin. He'd tried to get away to be alone. The crowds followed him anyway. And instead of sending them home, the Bible says "he had compassion on them." Out of his grief. Out of his exhaustion.

    In this episode, Linda and I walk through Matthew 14 and what was actually happening to Jesus during this wild 24-hour stretch — the grief, the exhaustion, the interrupted attempt at solitude, and the back-to-back miracles that came out of it. We also talk about what Linda walked through after her mom died last year, and why the moments when you feel least able are sometimes the moments God does his most visible work.

    If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free.

    WHAT WE COVER IN THIS EPISODE

    Here's a little of what we cover in this episode:

    • Why the feeding of the 5,000 hits completely differently when you know what Jesus was going through that day
    • What it means that Jesus "had compassion on them" right after learning his cousin was killed
    • How grief and exhaustion didn't disqualify Jesus from doing miracles — they may have been the condition for them
    • What Linda experienced leading and speaking through the grief of losing her mom last year
    • Why your weakest moments might be the ones where God gets the most visible credit
    • What it actually looks like when you show up empty and God shows up anyway
    • The three o'clock in the morning detail — and why the story doesn't end after the feeding
    BIBLE VERSES MENTIONED

    Matthew 14:13

    Matthew 14:14

    Matthew 14:23

    Matthew 14:25

    DISCLAIMER

    Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting.

    Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions.

    Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

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    35 m
  • How to Hear the Holy Spirit About Your Finances (with Alex Seeley)
    Apr 10 2026

    She prayed for seven years for a breakthrough. The more she prayed, the worse things got. And she ended up on the bathroom floor saying she didn't want to be alive anymore. What the Holy Spirit showed her in that moment — about control, about fear disguised as faith, about the difference between begging and believing — is something I haven't been able to stop thinking about.

    In this episode, Linda and I sit down with Alex Seeley — author of The Divine Counselor — for one of the most honest conversations we've had on this show.

    Alex shares how a 20-year eating disorder rooted in unforgiveness, a $23 last-dollar miracle when she and her husband gave everything to move to America, and a word from a stranger about a "tissue box" that just keeps refilling shaped her understanding of what it actually means to walk with the Holy Spirit.

    We also talk about why Linda used to go shopping when things got tight financially — and what the Holy Spirit revealed was really going on underneath that.

    WHAT WE COVER IN THIS EPISODE

    Here's a little of what we cover in this episode:

    • The difference between praying from fear and praying from faith (they can look identical from the outside)
    • How a 20-year eating disorder rooted in unforgiveness was never going to "just work itself out"
    • Why there's a 24/7 counselor available to you right now who's better than any therapist you could book an appointment with
    • The $23 miracle: what happened when Alex and Henry gave their last dollars before moving to America
    • Linda's confession about going shopping whenever money was tight — and what the Holy Spirit revealed about why
    • The difference between conviction and condemnation (this reframes a lot)
    • What it looks like when your seed goes into the next season — not just into an offering bucket
    BIBLE VERSES MENTIONED

    Acts 1:8

    Isaiah 1

    John 14:16

    Romans 8:28

    1 Peter 5:7

    Philippians 4:13

    DISCLAIMER

    Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting.

    Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions.

    Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

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    57 m
  • The 3 Money Tests God Gives Every Christian (And Why Most of Us Are Failing)
    Apr 3 2026
    Have you ever wondered why financial breakthrough feels so close yet so far? Bob and Linda Lotich reveal that God is constantly testing us with money—and most of us don't even realize it's happening. In this eye-opening conversation, they break down the three distinct money tests every believer faces, how to identify which one you're in right now, and what God is trying to teach you through it. What You'll Learn: The Three Tests - The Struggling Test - When you have less than you think you need The Surplus Test - When extra money comes your way The Stable Test - When nothing has changed for years Key Insights: Why the habits you build in struggle carry you into surplus The George Mueller story that will transform how you pray about provision How to know if you're in a "rest season" or need to take action Why stability might be the sneakiest test of all The practical "50/50 rule" for handling raises and windfalls How to create your own "stack of stones" to remember God's faithfulness Powerful Quotes: "The habits that we build in the struggle are the habits that carry us into the surplus time." - Bob "We've just been through this too many times." - Bob (during a financial crisis moment) "What do I need to do the job that God's asked me to do? And then the rest of it can just go." - Linda "It's an open book test and you have the teacher who wants to give you the answers." - Bob Biblical Foundations: Parable of the Talents (Matthew 25:14-30) The Rich Fool (Luke 12) George Mueller's radical faith Israelites and the manna James 1:2-5 on trials and wisdom Action Steps: Identify which test you're in right now - Are you struggling, experiencing surplus, or in a stable season? Create your modern "stack of stones" - Write down a timeline of how God has provided for you in the past Do a self-evaluation - How are you handling your current test? Ask God for wisdom - Is this a season to rest or a season to take action? Set up structures for surplus - Consider implementing the "50/50 rule" for future raises The Bottom Line: You don't have to pass these tests perfectly—none of us do. But God is using money to teach you to trust Him more deeply, steward more faithfully, and expand your belief in what He can do. The question isn't whether you're being tested. The question is: Do you recognize the test? Scripture References: Matthew 25:14-30 (Parable of the Talents) Luke 12 (The Rich Fool) James 1:2-5 (Consider it all joy) Proverbs (multiple references to saving and wisdom) Genesis 8:22 (Seedtime and harvest) Resources Mentioned: Simple Money, Rich Life by Bob Lotich - seedtime.com/smrl George Mueller's autobiography - https://www.georgemuller.org/uploads/4/8/6/5/48652749/the-autobiography-of-george-muller.pdf True Financial Freedom course - seedtime.com/tff Mission-Driven Millionaire program - seedtime.com/mdm Ready to grow what God's given you? Get your free copy of Simple Money, Rich Life at seedtime.com/podcast Have a question about which test you're in? Share it in the comments below or email us at hello@seedtime.com Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sMnrFh6o2Ls)! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
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    34 m
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Thank you for always sharing your knowledge and faith!! I've been following you for over a year and completed the RMM class online.

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