SeedTime with Bob and Linda Lotich

I sat down with Dr. Shane Enete—professor at Biola University, PhD in personal financial planning, total Jesus-loving money nerd, and author of Whole Heart Finances: A Jesus Centered Guide to Managing Money with Joy. We dug into a fascinating study of ultra-wealthy families (yes, $25M+ net worth) and uncovered a surprising truth. We talk about hedonic adaptation, generosity as a spiritual thermostat, and what your savings account might be saying about your heart. In this episode, you'll learn: The biological and spiritual reasons why wealth never satisfies How to spot when your heart is starting to trust money more than God Why generosity is the fastest way back to peace What $25M families regret (hint: it's not about the stock market) A brilliant money framework: acquisition, use, and management—and which one dominates your life Why savings isn't evil, but hoarding might be How to know when you've moved from stewardship into idolatry Mentioned Resources: Whole Heart Finances by Dr. Shane Enete - http://wholeheartfinances.com 2 Corinthians 9 – Biblical metaphor of seed (consume vs. plant) Dr. Eileen Gallo's Money Dimensions Framework: Acquisition, Use, Management Book: Communicating for a Change by Andy Stanley - http://amzn.to/3JF0L0R BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_iwhObTFD7I)! 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 900 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.

In this episode, we crack open something most believers have never even noticed: In Genesis 2:12, God says the gold of the land was "good." Wait, what? Before money was minted, before greed and shame twisted its meaning, God placed gold in Eden... and He called it good. That same word—"good"—used for trees, land, animals, and all creation. Money wasn't cursed. It was created by God and called "good". We dive into: The 8 times gold is mentioned in Genesis—and why that number matters. Why gold is incorruptible (literally) and what that symbolizes. How Abraham's wealth wasn't just allowed—it was celebrated. The surprising truth about opulence and what God really designed money for. Why your discomfort with money might not be holy… it might be unhealed. Resources Mentioned: 📖 Genesis 2:12 (where it all starts) 📺 Clip from Myron Golden – https://www.youtube.com/@MyronGolden 📚 The Bible (especially Genesis, 1 Peter) 🎙️ Subscribe to the show & leave us a review to keep this conversation going. 👉 Got questions or thoughts? Hit us up—we're always listening. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/zCvSDN8qKV4)! 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 800 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.

This episode is the one you've been waiting for. No more doom. No more dread. This is the episode where we talk about what to do next — how to prepare yourself (and your income) for the rise of AI. We share 5 reasons why learning AI is now the most important thing you can do to grow your earning potential over the next 3–5 years. AND we break down 5 practical ways to start (even if you've never touched ChatGPT in your life). What we cover: Why "AI fluency" already gets you paid 25–50% more How one mom built a $4k/month curriculum using AI tools The exact prompt you can copy/paste to find new income streams Why being "naïve" about this will cost you What the Bible says about staying ready, not scared We also talk about how this intersects with parenting, homeschooling, and staying grounded in a tech-driven world. This isn't just about learning a tool — this is about stewardship of opportunity. Resources Mentioned: Our book: Simple Money, Rich Life — http://seedtime.com/freebook ChatGPT: https://chat.openai.com Claude AI: https://claude.ai Try Bob's sample prompt: "I am a [insert job or role]. What are 3 repetitive tasks AI could help with, and how could that improve income or free time?" AI Series: AI and the Bible - Part 1: Is Artificial Intelligence Replacing Our Faith? https://seedtime.libsyn.com/ai-and-the-bible-part-1-is-artificial-intelligence-replacing-our-faith (or watch this episode on YouTube: https://youtu.be/BoYjvHvyzFA) AI and Money - Part 2: Why 40% of Jobs Might Be Gone in 10 Years — And What To Do About It https://seedtime.libsyn.com/ai-and-money-part-2-why-40-of-jobs-might-be-gone-in-10-years-and-what-to-do-about-it (or watch this episode on YouTube: https://youtu.be/pcsUkL2In9A) And if you're curious about how we're using AI in our biz or want a deep-dive on tools/workflows, shoot me an email: [email protected] Let's not sit back and get swept away by this wave. Let's learn to surf it — with God at the center. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/HA6T66ZTLdQ)! 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 800 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.

You ever watch the movie WALL-E and think, "No way that could be real"? Well... buckle up. This episode is PART TWO of our conversation about Artificial Intelligence — and it's probably the most important thing you'll hear all year. We dive deep into where AI is headed, how fast it's moving, and why this isn't just another tech shift... it's a total civilization shift. Here's what we talk about: The 3 groups emerging in the AI revolution (ownership, adapters, dependents) Why AI with a 180 IQ is already smarter than Einstein How 90% of jobs (yes, even lawyers and designers) are about to change The massive wealth opportunity coming... if you're ready And the real reason we don't need to fear any of it — because God is still God This isn't doom and gloom. It's preparation. And it's faith-forward. Let's run toward this like David ran toward Goliath. 💥 Resources Mentioned: Mike Dillard's AI email series (search his newsletter) Tesla, Google, Nvidia (publicly traded companies leading in AI/robotics) Our 10x Investing Course: http://seedtime.com/investing AI Part 1: Start here first (or watch the episode on YouTube) Email Bob: [email protected] Stay encouraged. Stay aware. And stay close to the One who holds it all together. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/pcsUkL2In9A)! 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 800 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.

In this episode, we ask a big, uncomfortable question: What does AI mean for our faith? I (Bob) have been obsessed with AI lately—not just how it works, but what it means. And Linda? Well, she's more on the "this-freaks-me-out" side of things. So this conversation got real… fast. We dive into: The theological implications of AI (yep, we went there). Why AI can reflect human creativity but will never have a soul. How idolatry sneaks in when we rely on AI more than God. Personal stories (like when our son was sick and we turned to AI first… before prayer). The Tower of Babel, the wisdom of God, and the crazy race toward immortality. Practical ways to steward technology without losing our soul. Whether you're a tech-savvy believer or a skeptical scroller, this episode will help you think deeply—and biblically—about the tech shaping our world. Mentioned in this episode: Bible app: http://youversion.com AI study tools like ChatGPT: http://openai.com/chatgpt Gutenberg Press reference: https://en.wikipedia.org/wiki/Printing_press Dolly the sheep cloning: https://en.wikipedia.org/wiki/Dolly_(sheep) Cryogenic freezing: https://en.wikipedia.org/wiki/Cryonics Got thoughts, questions, or helpful links? Email me at [email protected] — I'd love to hear from you. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/BoYjvHvyzFA)! 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 800 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.

Today we are walking through 5 of our most valuable resources (and some free) that will help you thrive financially this year. These are the exact tools and resources we've used in our own life—plus testimonies from thousands in the SeedTime community who've seen breakthrough with them as well! 📚Resources Mentioned: Simple Money, Rich Life (get it free – just cover shipping): http://seedtime.com/free The "233 Millionaires" Cheat Sheet: http://seedtime.com/233 Prayers for Finances free PDF: http://seedtime.com/prayer True Financial Freedom church + small group curriculum: http://seedtime.com/true Real Money Method (Limited time $1 trial): http://seedtime.com/realmoney Our interview on Cece Winans' show "Generations": http://seedtime.com/cece Need the homeschool curriculum for teens PDF? Email us: [email protected] We're praying this episode helps you walk into the kind of financial freedom that leaves a legacy. Let's thrive, not just survive. 👊 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/xwosAsFDhMs)!

Everyone's Freaking Out About Tariffs—But Here's the Side No One Talks About Let's be real—every headline out there is yelling about doom and gloom: "Trade war! Economic collapse! Inflation!" But what if there's another side? In this episode, we zoom way out and unpack the other perspective. The one you're not hearing. The one that doesn't sell fear, but maybe offers… a little bit of hope? We get into: What tariffs actually are (yes, we break it down plain and simple) Why reciprocal tariffs aren't necessarily "bullying" The surprising benefits most media outlets are ignoring How this could affect YOU: jobs, taxes, prices, and your kids' future And yes… we even touch on the real reason so many Americans are uncomfortable right now. This isn't about politics. This is about understanding the full picture—and getting equipped to respond with wisdom, peace, and practical steps. Resources Mentioned 🎥 Victor Davis Hanson clip: Find it here Other clip: Find it here. 📖 Bible Reference – 1 Timothy 2:1-2 (Praying for leaders): 📖 Isaiah 41:10 📖 Matthew 6 📈 Boston Fed economic data: https://www.bostonfed.org (search tariffs + inflation) BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 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 800 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.

You know that verse in Proverbs that says "the wealth of the wicked is stored up for the righteous"? Yeah… we need to talk about that. For years, I heard people quoting it like a divine scratch-off ticket. Sit back, wait long enough, and eventually, poof - someone else's riches end up in your account. But what if that's not what the Bible is saying at all? 💡 In this quick but powerful episode, we break down: What Proverbs 13:22 actually means (and why most people are getting it totally wrong) Why this isn't about spiritual favoritism, but financial behavior How meekness plays a hidden role in wealth-building The overlooked principle that made people thrive during the Great Depression Why debt is the opposite of biblical wisdom — and how to position yourself for peace, not panic This isn't about sitting around waiting for God to drop blessings from the sky. It's about living like Joseph in Egypt — wise, prepared, generous, and positioned for impact when the world starts shaking. We're not waiting for a miracle. We're becoming one. 📚 Mentioned Resources: The Five Wealth Secrets by Craig Hill → http://craighill.org/books Simple Money, Rich Life by Bob & Linda Lotich → Get a free copy: http://seedtime.com/free Vines Bible Dictionary → https://www.christianbook.com/vines-complete-expository-dictionary/vines/9780785250531/pd/50531 💬 If this episode challenged your thinking or helped shift your perspective — share it with a friend who needs to hear it. And if you haven't yet, a review on iTunes or Spotify goes a long way in helping us reach more listeners. 🙌 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/bdWUSFq3VQA)! 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 800 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.

Have you ever felt like no matter how hard you work, you're still not getting ahead financially? You're not lazy. You're not broken. You're just programmed. In this episode, we unpack 10 sneaky ways society wires us to stay broke—and most of us don't even realize it's happening. From how we're taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call. 💡 We break down: The mindset traps that make you fear risk but stay stuck in debt Why chasing comfort might be the most expensive decision you ever make The reason most people work hard but never build wealth How to deprogram yourself and step into true financial freedom 📚 Resources & Tools Mentioned: The Humble Penny post that inspired this episode: https://www.instagram.com/p/DHk6jvVqS-n/?igsh=MWF0bnczbnZrMDNtdA== BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/63aBPTZcGFA)! 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 800 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.

For nine straight years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward. 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? But what happened next changed everything. 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. If you're in a season where you're wondering if God is still moving in your life, this is for you. 💡 Resources Mentioned: Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free 🙌 If this episode encouraged you, send it to a friend who needs to hear it. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2kSwpTUjops)! 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 800 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.

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! 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? 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. 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. What You'll Learn in This Episode: Why money can be one of the biggest barriers to truly trusting God How Jamie Winship and his family lived for two years with zero income and saw God provide The sneaky ways financial security can shift our trust away from God The power of childlike faith when it comes to provision Why you can't out-risk or out-give God How to break free from the world's financial norms and live in God's economy Resources Mentioned: Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free Our previous episode with Jamie Winship where we discussed removing fear in our finances: https://youtu.be/sIescTfM6DA?si=8Kbs0rUiURv9cjCD Jamie Winship's Full Message: https://youtu.be/0r98ULww6ME?si=iuQrpJLXb0rZhrG2 Jamie Winship's Website: https://identityexchange.com/ George Müller's Story – A classic example of radical financial faith: https://georgemuller.org/devotional/a-famous-story-about-mullers-faith Join the Conversation: How has God provided for you in unexpected ways? Share your testimony with us in the comments or DM us on Instagram @Seedtime. We'd love to hear how He's been moving in your life! Don't forget to subscribe & leave a review! If this episode blessed you, share it with a friend who needs to hear it. 🙌 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Yl-3FQFH1FU)! 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 800 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.

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? 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. We dive deep into: The hidden meaning of "Jehovah Jireh" that changes how we see God's provision. Why God doesn't just see—He sees TO IT. The gut-wrenching story of Abraham and Isaac and why it makes no sense… until it does. How God's timing is never random—He provides in the exact moment we need Him. The personal struggles, modern-day tests of faith, and why surrender is the key to experiencing God's presence. If you've ever wondered: "Why would God ask me to give something up—especially something He gave me? Why does obedience feel so costly sometimes?" "How can I know if God will REALLY provide?" This episode will give you answers—and maybe even wreck you (in the best way). Resources Mentioned: Genesis 22 – The story of Abraham & Isaac Hebrews 11 – The faith chapter CeCe Winans – "Refiner" ( Highly recommend): https://open.spotify.com/track/4pduLDsqSxHd2eOMt8VHt3 Study on the Names of God BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/JBw37vd8AOE)! 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 800 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.

Does God actually care about your money? At first, it might seem like a purely earthly issue—like choosing the right toothpaste. But when you dig into scripture, you'll find that money is one of the most talked-about topics in the Bible. Why? Because it's deeply connected to our hearts, our trust, and our faith. In this episode, we unpack: Why God isn't obsessed with money—but cares deeply about YOU. How finances can be the #1 thing pulling your heart away from God (and how to guard against it). Why financial struggles can feel like punishment—but are often preparation. How to find TRUE financial freedom (Hint: It's not about Lambos or early retirement). The mindset shift that will transform how you view financial ups & downs. Powerful testimonies of God's provision when everything seemed lost. We also share personal stories, biblical wisdom, and practical encouragement for anyone wrestling with finances and faith. Whether you're in a tough spot right now or just want to align your financial life with God's heart, this episode is for you. Resources Mentioned: Galatians 6:9 – Don't grow weary in well-doing; your breakthrough is coming. Philippians 4:12-13 – The secret to contentment in all situations. Hebrews 12:7 – Viewing suffering as God's loving discipline. Matthew 6:26 – God provides for the birds—how much more will He care for you? Joseph's Story (Genesis 37-50) – 📲Follow us on Instagram for daily encouragement → Instagram @SeedTime - instagram.com/seedtime/ 📩Join our email list for exclusive content → Sign up link - seedtime.com/subscribe/ BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/xpW5xaVU83o)! 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 800 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.

Let's be honest—grocery prices are out of control. If you feel like you're spending WAY too much on food, you're not alone. In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love. 🚀Inside this episode, we cover: The BIGGEST grocery store mistake (and how to stop making it) How to meal plan like a pro (even if you hate meal planning) The secret grocery store timing trick that can save you 30%+ Why we stopped using Green Chef (and what we're doing instead) Costco vs. Aldi vs. Trader Joe's—what's ACTUALLY worth it? 📚Resources Mentioned: Article Mentioned - https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html Instacart – How we use it to avoid impulse purchases - https://www.instacart.com Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX How to Find Grocery Store Sales – A deep dive into the best times to buy. 💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected]. And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/c3UtEC54STA)! 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 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 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.

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process. 🔎We're talking about: The #1 mistake couples make with money (and how to fix it fast) How to plan your finances together without it turning into an argument The controversial topic of joint vs. separate accounts—what actually works? Why budgeting isn't just about numbers—it's about freedom and alignment The secret sauce that divorce-proofs your marriage (seriously, don't skip this one) 🎯One big takeaway? Money isn't just about dollars and cents—it's about unity, trust, and making sure you're working as a team. Whether you're newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it. 🎙️Listen now and start winning with money AND marriage! 📚Resources Mentioned: His and Her Money Podcast – Hosted by Talaat & Tai McNeely (hisandhermoney.com) Chuck Bentley – CEO of Crown Financial Ministries (crown.org) Crystal Paine – The Money-Saving Mom (moneysavingmom.com) Budgeting Tools – YNAB (youneedabudget.com) & EveryDollar (everydollar.com) Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21 👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this! 💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected]. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/b58UEKRjeKY)! 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 800 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.

How did we crush a 30-year mortgage in just 3 years? We're breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too. 🔎In this episode, we cover: The radical mindset shifts that changed everything. Why you should never let the bank dictate how much house you can afford. The power of prayer and giving (and how they impacted our finances). Tools and strategies we used to track every dollar (and why most budgets fail). How discovering and monetizing your God-given gifts could be the key to financial freedom. Plus, we're sharing personal stories, practical tips, and the scripture that guided us on this journey. 📚Resources Mentioned: Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free Empower Personal Dashboard: empower.com Rocket Money App: rocketmoney.com Real Money Method - Learn more on: SeedTime.com/realmoney 👉 Don't forget to leave a review—it helps more people hear this life-changing message! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected]. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/_K1ri6q_Kbo)! 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 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 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.

In this episode, we're diving deep into an astonishing truth about Heaven's streets of gold and what it teaches us about abundance, provision, and God's priorities. Spoiler: Heaven's economy makes Earth's GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God. 🔎Here's what you'll learn: The mind-blowing value of Heaven's streets (hint: 67 quintillion dollars worth of gold). Why God uses gold as pavement and what it tells us about His priorities. A.W. Tozer's insight on the most important thing about you. How understanding God's abundance can change your financial perspective. Practical encouragement for trusting God through financial struggles. 📚Resources Mentioned: Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl Bible References: Revelation 21, Matthew 6:26, Philippians 4:19. More about Heaven's streets of gold: Revelation 21 👉 If this episode encouraged you, share it with someone who needs hope today! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected]. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/GOmsHYD2fTw)! 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 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 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.

In this episode of the SeedTime Money Podcast, we're breaking down 6 game-changing money moves you can make with just $1,000. Whether you're hitting this financial milestone for the first time or you're ready to maximize your savings, these steps will help you make smarter decisions with your money today. 🔎 I'll Cover: A passive way to dip your toes into real estate investing with just $10 (yes, seriously). Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one). How investing in your financial education can literally change your life. A free tool to calculate when you'll be able to retire and stay on track. Why the right credit card can actually work in your favor. How to protect your money from fraud and hackers (don't skip this step!). 💡Resources Mentioned: Fundrise: A simple way to invest in real estate – https://seedtime.com/fundrise-1000 CIT Bank: High-yield savings account – https://seedtime.com/cit-1000 Motley Fool Investing Course: https://seedtime.com/motley-1000 SeedTime's 10X Investing Course - https://seedtime.com/10x Empower Retirement Planner: https://seedtime.com/pc-1000 Chase Sapphire Preferred Credit Card: https://seedtime.com/sapphire-1000 LifeLock Identity Protection: https://seedtime.com/lifelock-1000 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 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 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 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.

If you've ever thought, 'I've been through something life-changing—I need to share this,' then stop scrolling. This episode is for you. We're diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I've ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business. This isn't fluff. It's a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality. 🔎We'll Cover: Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model. The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational). Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus' example of going deep with 12 disciples. Why one type of person is WAY easier to sell to and how to create offers that provide massive value. The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care. Practical exercises to identify and overcome fears holding you back. How to discern if coaching is your God-given calling and whether it's the right time to start. 📚Resources Mentioned: Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob You'll get two free resources for scheduling! 'High-Ticket Offer' Template: A step-by-step guide to creating your first high-ticket coaching offer. How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you're bad at marketing. Bible Verses Mentioned: Proverbs 1–9: The importance of wisdom and choosing the right voice. James 1:5: "If you lack wisdom, ask God, and He will give it generously." Jeremiah 33:3: "Call to me, and I will answer you and tell you great and unsearchable things you do not know." 🎯Action Steps: Pray and ask God if coaching is the right step for you. Reflect on the transformation you've experienced in your life—this is the foundation of your coaching offer. Use the free tools provided in the episode to create your first offer and marketing plan. Take the first step: Schedule a free strategy session to refine your vision and start building your business. 👉 Listen now and start building your $10K/month coaching business today! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: [email protected]. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/UOdpcehveJU)! 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 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 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.

I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today's episode, we're diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank. If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you. Here's What We Cover: My frustrating 17-year journey with business banking (and how I finally found the solution). What makes Relay different: Fee-free accounts, multiple checking accounts, and built-in features designed for entrepreneurs. How Relay integrates with the "Profit First" method to simplify your finances and increase your profits. A sneak peek at Relay's game-changing features, like virtual cards, receipt capture, and ACH payments. Relay's upcoming innovations, including their new credit card and payment request feature launching soon. Resources Mentioned: Relay Bank: Open a free business account: https://seedtime.com/relay2 Profit First by Mike Michalowicz: https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X Real Money Method: https://seedtime.com/realmoney Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact. You'll discover: How Western Christians are sitting on a $100 billion opportunity for kingdom impact The shocking truth about what percentage of Christian giving actually reaches global missions Why being "rich toward God" looks different than most people think How a failed actor became an unlikely expert in kingdom investing The surprising joy that comes from radical generosity What George Mueller's legacy in China teaches us about strategic giving Key Stats That Will Challenge You: Only 2.5% - What Western Christians currently give Only 0.25% of Western Christian giving reaches outside the West $30,000/year puts you in the top 1% globally What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free God Calling Devotional Organizations Referenced: • Five Talents • Jesus.net • 500K in India SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lnBFd_cSYJQ)!

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right? In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month. In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs. You'll discover: Why God's best often looks like career suicide Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions What Peter teaches us about calculated risk-taking The Hidden Cost of Playing It Safe (and why doing nothing is still a decision) Our proven 3-part framework for evaluating major life decisions Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Fear Setting Worksheet: https://seedtime.com/fearsetting Tim Ferriss's Fear-Setting Exercise (Referenced) Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story) SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/FifSPa5hUlc)! 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 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 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.

I never thought changing ONE simple shopping habit could save us thousands... But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits. In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries. You'll discover: The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items The Costco Paradox: How spending more per trip actually saves thousands per year Our controversial take on grocery delivery services (and how we use them to SAVE money) The biblical principle behind smart grocery shopping that most people miss Why managing your grocery budget could be more spiritually significant than you think Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Instacart Gift Cards at Costco ($100 value for $80) Wild Pastures (Meat Delivery): https://wildpastures.com Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts Amazon Subscribe & Save SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Stats Worth Noting: Average American wastes $2,000+ per year on food Potential savings of $3,000/year just by changing where you shop Our findings align with research from leading data science firms about grocery store price variations Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KP9glzjHEbY)! 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 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 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.

We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How? In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses. Here's what you'll learn: Why certain side hustles scale (and others don't) The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job The exact mindset shift you need to transform a hobby into serious income Which platforms are goldmines for specific side hustles right now Why we believe side hustles aren't just about money (and what they're really about) Plus: We share our personal journey of how a simple blog turned into our main source of income and eventually helped us reach our goal of giving away $1 million by age 40. Key Insight: The most successful side hustles often align with what you're already passionate about. We share examples of people who turned their obsessions (from baby strollers to mattress reviews) into thriving businesses. 📚 Resources Mentioned: Books: Simple Money, Rich Life - Get your free copy (just cover shipping): https://seedtime.com/free Websites & Platforms: Upwork: https://www.upwork.com Fiverr: https://www.fiverr.com Etsy: https://www.etsy.com Rover (pet sitting): https://www.rover.com BookScouter: https://bookscouter.com Instacart: https://www.instacart.com Tools & Apps: Facebook Marketplace: https://www.facebook.com/marketplace Amazon FBA (Fulfillment by Amazon): https://sell.amazon.com/start/fba Link: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Want to start your own side hustle? We've been where you are. Whether you're looking to escape a job you don't love or simply want to build something on the side, there's never been a better time to start. P.S. Have you gotten value from our content? Consider writing a review or sharing this episode with someone who needs to hear it. Your support helps us continue creating content that changes lives. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 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 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 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.

Have you ever felt like your prayers for financial breakthrough were hitting a brick wall? Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time). What You'll Discover: Why feeling "stuck" might actually be God's preparation season The counter-intuitive truth about financial breakthrough that most Christians miss How to reframe waiting periods from punishment to preparation The exact scripture that changed everything for us during our hardest season Why maintaining spiritual disciplines is crucial when you feel like quitting The surprising connection between Joseph's prison season and your financial journey Key Takeaway: Your season of financial frustration isn't a punishment—it's preparation. Just like Joseph's time in prison and David's years running from Saul, God is doing something much bigger than what you can see right now. The Million-Dollar Truth: If it isn't good yet, then God isn't done yet. Your financial breakthrough might be just around the corner, but the key is learning how to stay faithful in the waiting. Scriptures Referenced: Galatians 6:9 - "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up." Ephesians 3:20 - "Now to him who is able to do immeasurably more than all we ask or imagine..." Revelation 12:11 - "They triumphed over him by the blood of the Lamb and by the word of their testimony" Philippians 4:19 - "And my God will meet all your needs according to the riches of his glory in Christ Jesus." Resources Mentioned: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel! 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 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 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.

Ever feel like your dreams are slipping away because you "can't afford them"? We're about to flip everything you think you know about affording what you love. In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial reality. Here's what you'll learn: The "Priority Stack" method for identifying which expenses are secretly holding you back Why creating "friction" in your spending could be the key to unlocking your dreams How we discovered we could afford to live at the beach (and why most people never realize what's possible) The uncomfortable truth about your Amazon app (and why deleting it might change your life) A revolutionary approach to evaluating expenses that goes beyond basic budgeting Plus, we share our personal revelation about Starbucks spending and how facing this truth led to better decisions - without guilt or shame. 📚 Resources Mentioned: Books: "Simple Money, Rich Life" by Bob and Linda Lotich Get your free copy (just pay shipping): https://www.simplemoney.com/free "Atomic Habits" by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Mentioned Names/Concepts: Ramit Sethi's "Money Dials" concept James Clear's environment design principles Link: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel! 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 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 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.

What if everything you've been taught about success is actually holding you back from what you were created to do? In this game-changing episode, we dive deep into why Einstein believed we've been measuring human potential all wrong—and how this massive misconception might be the very thing keeping you from discovering your true calling. Here's what you'll learn: Why traditional markers of success (SAT scores, job titles, net worth) are often misleading indicators of your true potential The profound truth about why some people make everything look effortless (while others struggle endlessly) How one Olympic athlete's controversial decision reveals the secret to finding your purpose The surprising reason why your "weaknesses" might actually be pointing to your calling Why the baker's story from George Mueller's orphanage changes everything about how we view purpose The critical difference between chasing money and chasing your calling (and why it matters) How to identify what you were actually created to do (including 3 powerful questions you can ask yourself today) Key Questions to Discover Your Calling: What comes easier to you than most? What feels like work to others but feels like fun to you? What are you wondering why most people aren't good at? Resources Mentioned: Book: "Simple Money, Rich Life" by Bob and Linda Lotich Get your FREE copy (just pay shipping): https://seedtime.com/free Movie: "Chariots of Fire" - The Eric Liddell Story Book: "The Art of Work" by Jeff Goins: https://www.amazon.com/Art-Work-Proven-Discovering-Meant/dp/0718022076 Bible Verses Referenced: Jeremiah 33 Colossians 3:23 Psalm 139:14 SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 🎯 Action Steps: Start experimenting with new things (like Tom's guitar-making story teaches us) Ask trusted friends/family what they see as your natural gifts Look for patterns in your journey so far Begin serving where you are while preparing for where you're called to be 🔗 Connect With Us: Website: https://seedtime.com Instagram: https://instagram.com/seedtime Get Our Free Book: https://seedtime.com/free Remember: You're not a second-rate creation. You were fearfully and wonderfully made for a specific purpose. If you're feeling like a fish trying to climb a tree, it's time to find your pond and start swimming. 💫 Share This Episode: If this message resonated with you, please share it with someone who needs to hear it. Together, we can help more people discover what they were created to do. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel! 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 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 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.

The most dangerous financial trap isn't overspending. It's comfortable compromise. After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice. In this episode, we share: The "50-50 Rule" that transformed our approach to raises and windfalls Why financial "peace" might actually be sabotaging your spiritual growth The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance) How we're implementing a radical month-long sabbatical for our entire team This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor. Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit. Resources Mentioned: "Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp "Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761 "The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442 SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/wcwEgUNKc0U)! 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 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 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.

Have you ever noticed that no matter how much money you make, it never seems to be enough? We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough. In this episode, we reveal: Why having "just a little more" never satisfies (and what to do instead) The shocking truth about how you're already richer than John Rockefeller in ways you've never considered How Instagram and social media are secretly destroying your financial contentment The counterintuitive "no muscle" technique that transforms your relationship with money A practical framework for giving that's helped us stay grounded while working toward giving away $1 million But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more – whether you make $30,000 or $3 million a year. We also dive deep into practical strategies like: Why deleting certain apps might be the key to financial peace How to set up "contentment benchmarks" that actually work The biblical wisdom behind avoiding both poverty and excess wealth A simple gratitude practice that rewires your brain's relationship with money Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10 Resources Mentioned: SeedTime "Count Your Blessings" Merch: https://shop.sdti.me Bible Verses Referenced: Ecclesiastes 5:10 Philippians 4:11-13 Proverbs 30:7-9 Frameworks Mentioned: The Christmas Gift Rule: Something you want, something you need, something to wear, something to read The Age-Based Giving Framework: Giving your age as a percentage of income Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary 🗒️This episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dNwT7BKykrA)! 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 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 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.

20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since. Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently. 🔎In this episode, we reveal: The powerful mindset shift that changed everything for us Why my millionaire mentor drove a 10-year-old car (while I had a brand new one) The truth about what really counts as a "luxury" The biblical wisdom behind building wealth slowly and strategically Why most people's "waiting to save" strategy never works The exact method we use to fund our biggest dreams (like our future beach house ministry) This isn't just about making money—it's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you. 📚 RESOURCES MENTIONED IN THIS EPISODE: Books: "Rich Dad, Poor Dad" by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194 "Die with Zero" by Bill Perkins - https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765 "Simple Money, Rich Life" by Bob & Linda Lotich - https://seedtime.com/free SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Scripture References: Proverbs 21:20 Proverbs 13:11 Proverbs 6:6 🗒️Note: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). 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 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 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.

The 2-Minute Money Hack That Will Transform Your Giving Forever Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account. 🔎In this episode, we reveal: The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!) The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!) Real-life examples of how we've used our Seed Account to bless others in unexpected ways Why this simple trick makes giving easier and more fun than you ever thought possible Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world? Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today! 📚Resources Mentioned: Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl Real Money Method - https://seedtime.com/realmoney Susie Larson's Show - https://faithradio.com/program/live-the-promise-with-susie-larson/ Bible Reference: 1 Corinthians 16 - https://www.biblegateway.com/passage/?search=1+Corinthians+16&version=NIV SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 🎯Ready to start your Seed Account? Here's your action plan: Open a new bank account (savings or checking) Decide on your monthly contribution amount Set up an automatic transfer Pray for guidance on how to use the funds BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/AlBsJ_J-0kM)! 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 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 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.

Hey friend! Today we are breaking down our "Almost-Free Everything" Method. 🔎Here's what you'll discover: The counterintuitive approach to buying luxury items that actually saves you money How we turned a $120 Brooks Brothers coat into a financial epiphany The three key principles that will transform your shopping habits forever Why buying cheap can actually cost you more in the long run How to leverage brand power to your advantage (even on a budget!) 🗒️We also dive into: How we're making a profit on everyday purchases (and how you can too!) The simple question that could save you thousands on your next purchase 📚Resources mentioned in this episode: eBay: https://www.ebay.com/ (Our go-to for buying and selling high-value items) Facebook Marketplace: https://www.facebook.com/marketplace/ (Perfect for local deals) Our book, "Simple Money, Rich Life": seedtime.com/smrl SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 🎬 Bonus Content: Don't miss our YouTube video on our 5-step strategy for buying used cars! Search for "SeedTime used car buying" on YouTube, or click here: https://www.youtube.com/watch?v=vBdoysHYoNg. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Nxkw_rOMCMc)! 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 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 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.

In this episode, we reveal one of the most significant practices that revolutionized our finances and took us from broke to being able to reach our million dollar giving goal: praying scripture over our finances. 🔎We dive deep into: The truth about why separating God from your finances is holding you back 5 reasons why praying scripture will transform your money (and your life) Our personal journey from financial stress to abundance through this powerful practice Practical steps to start seeing results in your own life TODAY Plus, we're giving you our secret weapon: a FREE resource packed with the exact verses, declarations, and prayer starters we used to transform our financial life. Don't miss this opportunity to revolutionize your relationship with money and invite God's supernatural intervention into your finances! 📚Resources mentioned: FREE Prayer & Scripture Resource: https://seedtime.com/prayer The Payoff 10K Plan course: https://seedtime.com/10k SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 📖Bible verses discussed: Philippians 4:19 Matthew 6:26 Psalm 37:25 2 Corinthians 9:8 Deuteronomy 31:6,8 Proverbs 16:3 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Eu30GlfLY6g)! 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 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 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.

Are you tired of feeling trapped by debt? What if I told you that the key to getting out of debt isn't just about making more money? In this episode, we're tackling the question that's keeping millions of Americans up at night: "Why am I still in debt despite my best efforts?" 🔎We're pulling back the curtain on: 5 hidden mistakes that are likely sabotaging your debt payoff journey The shocking truth about minimum payments (and why your credit card company loves them) A powerful strategy that helped one of our community members pay off $10,000 in just 6 months The counterintuitive approach that could transform your finances in the next 30 days Don't miss this chance to finally break free from the chains of debt and start building real wealth! 📚Resources mentioned: The Payoff 10K Plan course: https://seedtime.com/10k SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 📖Bible verses discussed: Proverbs 22:7 Ecclesiastes 4:4 Matthew 6:25-34 Don't let another day go by feeling trapped by debt. It's time to take action and transform your financial future! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/nlENoTAdbBI)! 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 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 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.

Today we sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer." 🔍 Here's what we uncovered: The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement this in your life) The counterintuitive link between prayer and stress reduction in high-pressure leadership roles How to create a "prayer culture" in your workplace (even if you're in a Fortune 100 company) The untold story of how a small act of obedience in Ukraine sparked a global movement But here's the kicker: This isn't just theory. We've implemented these strategies in our own organization, and the results have been nothing short of miraculous. If you're tired of feeling stuck, stressed, or simply not seeing the breakthrough you know God has for you, this episode is your wake-up call. It's time to stop relying on your own strength and tap into the ultimate source of wisdom, creativity, and power. Resources Mentioned: "Lead with Prayer" by Peter Greer - https://www.amazon.com/Lead-Prayer-Unlocking-Transformational-Leadership/dp/1540902293 Lead with Prayer website - https://www.leadwithprayer.com HOPE International - https://www.hopeinternational.org "Praying Like Fools" by Tyler Stanton - https://www.amazon.com/Praying-Like-Fools-Taking-Seriously/dp/0310363926 "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409989 "Poverty, Inc." documentary - https://www.povertyinc.org SeedTime website - https://seedtime.com Ready to revolutionize your prayer life and unlock your true potential as a leader? Grab your copy of "Lead with Prayer" now at https://www.leadwithprayer.com Remember: The world doesn't need more burnt-out leaders trying to change the world in their own strength. It needs leaders who know how to tap into the ultimate source of power, wisdom, and love. Let's pray like our lives—and the lives of those we lead—depend on it. Because they do. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (https://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Xgfi9ZcfUuE)! 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 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 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.

Ever wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development. In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary. 🔎Here's what we unpack: The shocking truth about becoming indispensable (hint: it's not what you think) The biblical hack for career success that most people miss How a comic strip creator cracked the code to an extraordinary career But we don't just talk theory. We give you actionable steps to identify and develop your own micro-skills, potentially 10x-ing your value in the marketplace. Whether you're a seasoned pro or just starting out, this episode is your roadmap to becoming the go-to person in your field. Don't miss out on this career-defining information! 📚Resources Mentioned: Comic: Dilbert by Scott Adams http://dilbert.com/ Bible Verses: Parable of the Talents (Matthew 25) Proverbs 22:29 Ephesians 2 (Prayer for enlightenment) SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Remember: Your homework is to identify 5-10 micro-skills you could develop. Start with one this week. Google it, YouTube it, read about it. Then watch as you start crushing it in your career! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/I9e6Nu3kA70)! 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 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 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.

Picture this: You're at the end of your life, reflecting on your financial journey. What's the metric that truly matters? Is it the size of your bank account—or the lives you've touched through your generosity? In today's episode, we're tackling a question that could reframe your entire perspective on money: What is your Net Given, and why is it the most important number you're probably not tracking? We explore the transformative power of tracking your Net Given—every act of generosity, big or small. It's not just about tithes or charitable donations; it's about every coffee you buy for a friend, every birthday gift, every meal you share. By shifting our focus from accumulating wealth to amplifying generosity, we discovered a path to a richer life and a lasting legacy. 🔎 In This Episode, You'll Learn: How redefining financial success can transform your life. The story behind our ambitious goal to give away a million dollars. Practical steps to start tracking your Net Given today. Why small acts of generosity add up to make a big impact. How focusing on giving can lead to true financial freedom. If you've ever felt that accumulating more isn't fulfilling, this episode is your invitation to flip the script. 📚 Resources Mentioned: Download our free Net Given Tracker Spreadsheet: http://seedtime.com/ng Our Book – Simple Money, Rich Life (Chapter 24 dives deeper into this concept): http://seedtime.com/smrl SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 🎯 Action Steps: Download the Net Given Tracker and start logging every act of generosity: http://seedtime.com/ng Reflect on your financial goals—are they aligned with the legacy you want to leave? Share this episode with someone who needs a new perspective on money. Remember: It's not about how much you can get; it's about how much you can give. Let's redefine financial success together. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/a9BrXZiOh00)! 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 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 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.

Today, we are discussing the paradoxical secret to financial success: working less. We dive deep into the biblical principle of Sabbath and reveal how this ancient practice is revolutionizing modern business and personal finance. 🔎You'll discover: Why top performers are embracing this idea and seeing exponential results The counter-intuitive connection between rest and wealth creation How we used Sabbath economics to reach our million-dollar giving goal The shocking story of a rookie real estate agent who defied industry norms and saw his business explode Why your vacations might be leaving you more exhausted (and how to fix it) Plus, we share our personal Sabbath strategies that have led to major financial breakthroughs and life-changing revelations. Whether you're a business owner, employee, or somewhere in between, this episode will challenge everything you thought you knew about productivity and success. Get ready to unlock a whole new level of financial abundance and personal fulfillment! 📚Resources Mentioned: Book: "The Rest of God" by Mark Buchanan - https://www.amazon.com/Rest-God-Restoring-Your-Sabbath/dp/0849918707 SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m Stay tuned for our upcoming merch release and studio makeover! Follow us on social media for sneak peeks and updates. Remember, sometimes the key to getting ahead is knowing when to stop and rest. Your future self (and your bank account) will thank you! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Lm8ivuzl4WI)! 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 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 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.

We all dream of living life on our own terms. But how many of us actually do it? In this game-changing episode, we sit down with Graham Cochran, author of the new book "Rebel: Find Yourself By Not Following the Crowd," to uncover the invisible force holding you back from your dreams—and how to break free. 🔍 We dive deep into: Why conformity is slowly killing your soul (and how to recognize it) The shocking truth about why your dreams keep dying How Graham went from food stamps to running two 7-figure businesses The "Identity Crisis Intersection" and how to navigate it Why dreaming big is the most rebellious thing you can do The 5 biggest mental scripts sabotaging your success If you've ever felt stuck in a job that doesn't fulfill you, struggled with a business that drains you, or simply lived a life that doesn't feel authentically yours, this episode is your wake-up call. It's time to rebel against the ordinary. It's time to find yourself. Resources Mentioned: "Rebel: Find Yourself By Not Following the Crowd" by Graham Cochran - https://www.amazon.com/Rebel-Find-Yourself-Following-Crowd/dp/1400333784 The Rebel Book website - https://www.therebelbook.com Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/m4OlSg8E7ss)! 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 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 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.

Hey friend! Today we are talking about: The dangerous lie about money that keeps 96% of people financially stagnant Why investing isn't just for the wealthy - it's a powerful tool for anyone who wants to make a difference The shocking experiment that shows what happens when you give 100 people $10,000 The simple math function that separates financial winners from losers How to shift your mindset from subtraction to multiplication The Biblical case for smart investing (hint: it's about more than just getting rich) Why the stock market isn't as risky as you might think - and how to approach it wisely The life-changing power of compound interest over time How to start multiplying your money today, even if you know nothing about investing Links and resources mentioned: Episode 17 of the podcast series (discussing investment risks) 10X Investing Course: https://seedtime.com/10x - and be sure to use coupon code: PODCAST20 (limited time discount) Plus, we share personal stories of how we overcame limiting beliefs about wealth and learned to see money as a tool for Kingdom impact. Whether you're a financial novice or looking to level up your strategy, this episode will challenge your assumptions and inspire you to become a multiplier.

Is your favorite hobby secretly sabotaging your financial future? Today, we dive deep into the hidden costs of our pastimes and reveal how strategic hobby selection can impact your financial progress and happiness. 🔎Here's what you'll learn: Why I gave up golf at 13 (and how it changed my financial trajectory) The shocking truth about identity-driven hobbies How to turn your shopping addiction into a money-making machine The "paddle sports secret" to living longer (and richer) Why your spouse might be nodding their head right now (and what to do about it) 💡But this isn't just about cutting costs. We'll show you how to: Transform your passions into profit centers Hack your happiness by redirecting your focus Unleash the power of "seasonal hobbies" for explosive growth Warning: This episode might make you rethink everything you thought you knew about work-life balance and personal finance. Are you ready to level up? Resources Mentioned: SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m Remember, where your treasure is, there your heart will be also. It's time to make your hobbies work for you, not against you. Ready to transform your free time into a wealth-building machine? Hit play now! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/f2nTLQBVVmg)! 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 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 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.

Hey friend, Linda and I sat down with Chris and Jenni Graebe, the dynamic duo behind the book: Rhythm of Home, and they've cracked the code on building a thriving family culture. Whether you're navigating the ups and downs of family life or looking for ways to be more intentional with your kids, this episode is packed with wisdom and practical advice. Why You Should Listen: Family Culture and Rite of Passage Ceremonies: Discover how Chris and Jenni use rite of passage ceremonies to mark significant moments in their kids' lives, helping to build a strong family identity and culture. Real Talk on Marriage and Parenting: We dive into how to keep the spark alive in your marriage, especially when life gets busy, and the importance of speaking life over your spouse and kids. Entrepreneurship and Family Finances: Chris and Jenni discuss how their entrepreneurial ventures have influenced their family's financial life, and how they teach their kids about money through hands-on experience. Creating Rhythms in Family Life: The Graebes break down their five key rhythms for a thriving family, focusing on how to bring peace and intentionality into the chaos of everyday life. Resources Mentioned: Book: Rhythm of Home by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Home-Intentional-Practices-Thriving/dp/1641582928 Book: The Rhythm of Us by Chris and Jenni Graebe - https://www.amazon.com/Rhythm-Us-Create-Thriving-Marriage/dp/164158288X Book: The Intentional Father by Jon Tyson - https://www.amazon.com/Intentional-Father-Practical-Courage-Character/dp/0801018684 Book: Value Creation Kid by Lee Benson - https://www.amazon.com/Value-Creation-Kid-Struggles-Children/dp/1636801463 The Crowd Investing Platform: Check out Chris's platform at https://www.crwd.co (to learn how you can invest in early-stage startups) John and Stasi Eldredge: Influences behind the Graebe's rite of passage ceremonies - https://wildatheart.org/ Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/QL5SWzuLjNQ)! 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 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 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.

Want to know the secret weapon of the wealthy? It's not what you think. Forget discipline. Forget willpower. Forget complex investment strategies. The real key? Automation. In this episode, we're pulling back the curtain on how the wealthy effortlessly grow their wealth and impact—and how you can too. Here's what you'll discover: The shocking truth about why discipline is overrated in finance How to make hundreds of good financial decisions with just one click The "set it and forget it" strategy that could skyrocket your savings by 56% Why emotional decision-making is costing you thousands (and how to stop it) The simple hack that saved us 130 hours a year on managing our money How we used automation to give away $1 million by age 40 Plus, we're sharing the exact steps you can take TODAY to start automating your finances like a pro. 🔗Resources mentioned in this episode: Book: "Automatic Millionaire" by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085 Real Money Method (UN)budgeting system - https://seedtime.com/realmoney 10X Investing course - https://seedtime.com/10x Charles Schwab study on 401(k) automation - https://www.schwab.com/resource-center/insights/content/why-your-401k-should-be-on-auto-pilot American Time Use Survey - https://www.bls.gov/tus/ Financial Engines study on unclaimed 401(k) matches - https://financialengines.com/education-center/401k-match-lost/ SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m Remember: The wealthy never depend on willpower. They automate their most important financial tasks. It's time for you to do the same. Ready to get started? Hit play now. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)! 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 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 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.

Ever wondered if your donations are actually making a difference? We've got news for you: Your next charitable gift could be 100 times more effective than your last. No, that's not a typo. 100 times. In this episode, we're peeling back the curtain on the world of effective giving. We're challenging common assumptions, diving into cutting-edge research, and handing you the keys to becoming a giving superhero. Here's what you're going to discover: The shocking truth about charity effectiveness (and why some of your donations might be going to waste) Our fail-proof framework for choosing where to give (hint: it involves both your head and your heart) The "Good Soil" principle that could multiply your impact exponentially Why some billionaires say giving money away is harder than earning it (and what you can learn from them) The hidden dangers of generosity (and how to avoid them) Whether you're dropping a few bucks in the collection plate or planning to give away millions, this episode is your roadmap to maximizing every dollar you donate. 🔗Resources mentioned in this episode: Book: "Simple Money, Rich Life" by Bob and Linda Lotich - https://www.seedtime.com/smrl Book: "When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409988 Documentary: "Poverty, Inc." (available on Netflix) - https://www.netflix.com/title/80097120 Organization: Charity Water - https://www.charitywater.org/ Bible passages: 2 Corinthians 9:7 (NIV) Mark 12:41-44 (The Widow's Offering) Matthew 25:14-30 (Parable of the Talents) Proverbs 11:25 SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1m Remember, it's not about giving more - it's about giving smarter. Let's make every dollar count. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/v1j2bdXELPg)! 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 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 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.

Today, we're diving deep into the counterintuitive math behind early retirement - the kind of stuff they don't teach you in school. You'll discover: Why your paycheck size matters less than you think (Sorry, LeBron!) The shocking truth about how a 1% change in your habits could dramatically accelerate your financial goals A biblical money hack that's been hiding in plain sight for thousands of years But here's the kicker: This isn't just theory. We break down real-world examples and show you exactly how to calculate your own number. By the end of this episode, you'll have a powerful new strategy to turbocharge your financial progress. Ready to transform your financial future? Let's dive in! 🔗 Resources mentioned: Book: "Simple Money, Rich Life" by Bob and Linda Lotich - Available at: https://seedtime.com/smrl Book: "Retired Before Mom and Dad" by Rob Berger - Available at: https://www.amazon.com/Retired-Before-Mom-Dad-Independence/dp/B0987ZBM2J FIRE (Financial Independence, Retire Early) Movement - Learn more at: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m Remember, small actions, repeated consistently, lead to extraordinary results. What 1% change will you make today? BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/yewQ7wOkwH8)! 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 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 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.

Ever feel like you're working harder but not getting ahead? You're not alone. Today, we're diving into a game-changing calculation that could revolutionize how you think about your job and your time. In this episode, we uncover: The shocking truth about your "real" hourly wage (spoiler: it's probably WAY lower than you think) How a 10-minute exercise could save you thousands of dollars and countless hours The secret expenses that are quietly eating away at your paycheck Why that "golden handcuffs" job might not be as valuable as you think We break down the revolutionary ideas from "Your Money or Your Life" by Vicki Robin and Joe Dominguez, showing you how to apply them in today's world. Whether you're dreaming of early retirement, considering staying home with the kids, or just want to make smarter career moves, this episode is your roadmap to financial clarity. 🔥 Resources Mentioned: "Your Money or Your Life" by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Our Free Newsletter: Sign up at https://seedtime.com for our best financial tips and strategies Bureau of Labor Statistics Consumer Expenditure Survey Check it out: https://www.bls.gov/cex/ 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m Remember, this isn't just about crunching numbers—it's about reclaiming your time and aligning your work with your values. After listening, take 10 minutes to do this calculation for yourself. You might be surprised at what you discover! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-diz2_qrymQ)! 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 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 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.

Ever been told that putting your money in the stock market is no different than taking it to Vegas? We're about to blow that myth wide open. In this episode, we reveal: Why smart investing could actually be LESS risky than stuffing cash under your mattress The mind-blowing power of compound interest (Einstein called it the "8th wonder of the world" for a reason) How we went from terrified first-time investors to confidently paying off our house with one investment The shocking truth about long-term market returns that will make you question everything This isn't just financial advice – it's a paradigm shift that could transform your entire future. Don't miss it! 🔗 Resources mentioned: Our 10x Investing Course: https://seedtime.com/10x Vanguard Study on Long-Term Investing: https://investor.vanguard.com/investor-resources-education/education/market-volatility 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-gmo9RLQyvY)! 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 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 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.

In this episode, we reveal the three golden rules that transformed our credit cards from debt traps into money-making machines. These aren't just tips—they're the exact strategies we used to: Save over $15,000 in interest Score more than $10,000 in free travel Turn our biggest financial burden into a powerful wealth-building tool But here's the kicker: We didn't have to become credit card gurus or spend hours each week "hacking the system." Our approach is so simple, anyone can do it. We break down: Why your credit score might be lying to you (and what to do about it) The "chainsaw approach" to credit cards (and why it works) How we funded our dream of giving away a million dollars using credit card strategies Plus, we share the shocking truth about store credit cards that will make you think twice before signing up for that 10% discount. Whether you're drowning in credit card debt or just want to maximize your rewards, this episode is your roadmap to financial freedom. Don't miss out on the credit card secrets that could change your financial future forever. 🔗 Resources Mentioned: Our Book: "Simple Money, Rich Life" - https://www.amazon.com/Simple-Money-Rich-Life-Impossibly/dp/0593193652 Free Travel Article - https://seedtime.com/free-travel Credit Card Recommendations - https://seedtime.com/cc 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dmCyLz-fRt4)! 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 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 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.

In this episode, we're pulling back the curtain on a financial hack so powerful, it could put an extra $2 million in your pocket. And it all starts with your next car purchase. 🔎Here's what you'll learn: The truth about new cars that dealerships don't want you to know Our 5-step formula for buying used cars that look and feel brand new How to break free from the paycheck-to-paycheck cycle using this one simple strategy The mind-blowing math behind turning car payments into a million-dollar retirement fund Why even millionaires choose used cars (hint: it's not about saving pennies) But we don't just throw theory at you. We break down our exact process. Warning: LOL - This episode might just revolutionize how you think about cars, wealth, and financial freedom forever. Resources Mentioned: Our book: "Simple Money, Rich Life" - https://seedtime.com/smrl-brp Our course: 10X Investing - https://seedtime.com/10x CarFax (for vehicle history reports) - https://www.carfax.com Kelley Blue Book (for car valuations) - https://www.kbb.com NADA Guides (for car valuations) - https://www.nadaguides.com 14-Point Checklist to Give $1M by Age 40 - http://seedtime.com/give1m/ Remember, your next car decision could be worth $2 million. Don't miss this ride. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MzyZadQKC2k)! 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 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 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.