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SeedTime with Bob and Linda Lotich

SeedTime with Bob and Linda Lotich

By: 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) Christianity Economics Personal Finance Spirituality
Episodes
  • The 3 Money Tests God Gives Every Christian (And Why Most of Us Are Failing)

    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 mins
  • The One Verse God Said to Remember (That Everyone Forgot)

    The One Verse God Said to Remember (That Everyone Forgot)
    Mar 27 2026
    In all of Scripture, there are only a handful of times when God explicitly tells us to "remember" something. Each time, it's attached to something vital—communion, Christ's resurrection, where we've fallen. But there's one verse where God commands us to remember a principle that much of the church seems to have forgotten entirely. In this episode, Bob and Linda explore 2 Corinthians 9:6: "Remember this—a farmer who plants only a few seeds will get a small crop, but the one who plants generously will get a generous crop." Key Topics Discussed: Why This Verse Matters How God uses the word "remember" throughout Scripture for critical truths The context of 2 Corinthians 8-9 and its focus on generous giving Why this principle of sowing and reaping has been pushed aside by many believers The Enemy's Strategy How biblical principles get twisted and weaponized The 1980s prosperity gospel backlash and its lasting impact Two ditches to avoid: manipulation on one side, scarcity mindset on the other Getting Your Heart Right The crucial difference between giving to people versus giving to the Lord How to avoid being manipulated while still embracing biblical generosity Why you can love your church and still have questions The Multiplication Principle From Genesis to today: God's design for abundance The apple seed illustration that proves God's multiplication DNA How one butterfly's wings can literally change the world Why quiet faithfulness often shapes culture more than loud voices What Happens When We Forget Generosity becomes optional instead of formative Fear replaces faith We settle for what we can maintain in our own strength Our expectations of God begin to shrink Quotable Moments: "God doesn't command that we remember something that is trivial." "When you give to the Lord, that's when you can see the harvest. When you are giving to a person, they can't give you a harvest." "It's easy to be a voice... but there are so many people quietly shaping the culture of their nation." "The butterfly can flap its wings here in Tennessee and literally over in Australia there can be a hurricane—that is how God created things." Challenge: Don't let the enemy's twisting of Scripture cause you to forget what God told you to remember. Sowing and reaping isn't just about farming or fundraising—it's about how God designed His entire creation to multiply. Every smile at the coffee shop, every dollar given in faith, every child raised in love has exponential Kingdom impact. The question isn't whether God's multiplication principle is real. The question is: are you partnering with it or have you forgotten it entirely? Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ls_6kLhS2rY)! 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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    27 mins
  • Why I think God hates our money system (and what to do about it)

    Why I think God hates our money system (and what to do about it)
    Mar 20 2026
    Is our money system actually working against faithful stewardship? In this episode, Bob and Linda tackle a conversation almost no one in the church is having—but one every Christian steward needs to understand. Bob opens with a shocking reality: $100 in 1971 now buys about $12 worth of stuff. Same number. Far less value. So what happened? From there, the conversation zooms out to explore inflation, fiat currency, and why Scripture repeatedly condemns unequal weights and measures. Is our modern money system quietly violating biblical principles—and if so, what should believers do about it? This isn't about fear, conspiracy theories, or predicting the end of the dollar. It's about wisdom, stewardship, and preserving the value of what God has entrusted to us so we can live generously and faithfully over the long term. In this episode, we cover: Why saving money can feel like running on a treadmill What changed in 1971—and why it matters to your everyday life The biblical problem with "unequal weights and measures" (Proverbs & Amos) Why fiat currency quietly erodes purchasing power over time How money worked in the Bible: weight, scarcity, and real value Why Bob views gold as a store of value, not an "investment" How Bitcoin compares to gold (and why Bob separates it from other crypto) The hidden danger of keeping all your savings in cash How volatility differs from slow, invisible loss Why this conversation is ultimately about generosity and kingdom impact Key Scriptures (NLT): Proverbs 11:1 – "The Lord detests the use of dishonest scales…" Proverbs 20:10 – "False weights and unequal measures… are detestable to the Lord." Amos 8:5–6 – God rebukes those who manipulate money for gain Genesis 23:16 – Abraham pays with weighted silver Exodus 30:13 – Money measured by the sanctuary shekel Genesis 2:11–12 – Gold appears early in creation—and God calls it good Go deeper: If you want a deeper, step-by-step breakdown of how Bob thinks through gold, Bitcoin, and long-term investing from a Christian perspective, check out the 10x Investing Course mentioned at the end of the episode (https://seedtime.com/10x). The heart of this episode This isn't about gold or Bitcoin being a "savior." God is our provider—always. But wisdom matters. If money quietly loses value every year, that affects families, retirees, and our ability to give generously. As Bob explains, better stewardship today can mean greater generosity tomorrow. Action step for the week: Take 30 minutes to review where your savings are currently stored. Pray for wisdom (James 1:5), and ask this simple question: "Is all of our money sitting in something that loses value over time?" No pressure to act—just awareness, prayer, and learning. Important note: This episode is for education and biblical reflection—not personalized financial advice. Always pray and seek wise counsel before making financial decisions. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/euzv8IC40R0)! 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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    30 mins
All stars
Most relevant
I’ve been blessed but not just this podcast, but also Bob’s book which was plugged in the Podcast. I plan to make use of the course that is referred to in both the book and podcast soon aswell. I have a completely new outlook on finances and believe God has used Bob & Linda - and will continue to do so - to set many others free financially. God bless you both

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