SeedTime with Bob and Linda Lotich

Hey friend! I've devoured over 100 finance books in the last 15 years. But only 7 of them actually changed my life. In this episode, I'm ripping open my personal playbook and sharing the exact reads that transformed my mindset and bank account. And, that were critically important to us reaching our biggest giving goal. 🔎Here's what you're going to discover: The ONE book that trumps all others (Hint: It's probably already on your shelf) 5 wealth secrets most "gurus" don't want you to know How to retire before your parents (without winning the lottery) The psychological hack that turns pennies into millions Why your 401(k) might be leaving you broke (and what to do instead) Today's episode is full of real, actionable books that's stood the test of time. Some from Christian authors, some not. But all game-changers. P.S. Stick around till the end where I reveal the ONE book that rolls all these lessons into a simple, powerful package. Resources Mentioned: 5 Wealth Secrets by Craig Hill - https://amzn.to/3JA15Lt The Treasure Principle by Randy Alcorn - https://amzn.to/3CNeoV1 The Automatic Millionaire by David Bach - https://amzn.to/3Psn3ny True Riches by Greg Baumer and John Cortines - http://amazon.com/True-Riches-Jesus-Really-About/dp/1400208564/ Retire before Mom & Dad by Rob Berger - http://amazon.com/Retire-Before-Mom-Dad-Financial/dp/1733914501/ The Psychology of Money by Morgan Housel - https://amzn.to/3JWbilV Our Book: Simple Money, Rich Life - https://seedtime.com/smrl 14-Point Checklist to Give $1M by Age 40 - http://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 @seedtime. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-ZhVM95VvSw)! 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, I'm pulling back the curtain on the exact process I use to create a financial safety net that catches me no matter how far I fall. This isn't just another budgeting episode — it's about transforming your relationship with money and finding hope in the darkness of financial uncertainty. 🔎Here's what you're going to discover: The 10-minute exercise that can slash your expenses by 30% or more (without sacrificing what really matters) Why fear thrives in ambiguity — and how to shine a light on your worst-case scenario to make it less terrifying The surprising area where most people can save a ton of money (hint: it's not what you think) How I used this technique to stay afloat after a soul-crushing layoff in 2008 But here's the kicker: This isn't just about cutting costs. It's about finding HOPE when everything seems to be falling apart. It's about taking control when the world feels out of control. It's about transforming panic into peace of mind. Whether you're facing a financial crisis right now or want to bulletproof your finances for the future, this episode is your roadmap to financial resilience. Remember: Knowing your financial floor isn't about living there — it's about building the confidence to reach new heights. Let's dive in.🎧 Resources Mentioned: 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 @seedtime (https://www.instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vFw7TAGFIx4)! 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 dive into the science behind the actual cost of happiness and reveal why so many of us are spending our money on the wrong things. We share personal stories, explore fascinating research, and offer practical strategies for aligning your spending with your values to create a life of genuine joy and fulfillment. 🎯 Key Takeaways: We discuss the story of the Mexican Fisherman, which challenges conventional wisdom about success and happiness We share our own "joy lists" – the 10 things that bring us the most happiness, which we actually spend money on We explore the concept of hedonic adaptation and how it keeps us on the hedonic treadmill, always seeking the next big thing We share the powerful story of Don and Wendy, two college friends whose divergent paths reveal the incredible impact of small financial decisions over time We discuss the $75,000 happiness threshold and why more money won't necessarily make you happier beyond a certain point Resources Mentioned: The 4-Hour Work Week by Tim Ferriss (book) - https://amazon.com/4-Hour-Work-Week-Escape-Anywhere/dp/0091929113 Retire Before Mom and Dad by Rob Berger (book) - https://amazon.com/Retire-Before-Mom-and-Dad-audiobook/dp/B07XT6BZJS/ Topo Chico (sparkling mineral water) - https://coca-cola.com/us/en/brands/topo-chico/products/mineral-water Pie Town Tacos (local taco shop in our area) - https://pietowntacos.com 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m 🎧Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us! 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/LGtdftpt0yQ)! 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 overwhelmed by the clutter in your home? What if I told you that you could not only declutter your space but also make a significant amount of money in the process? In this episode, I share my personal story of how my wife, Linda, and I made over $2,000 in just 30 days by selling items we no longer needed or wanted. You'll learn the strategies we used and the surprising results we achieved. 🔍Discover: Why minimalism isn't about living with nothing, but about intentionally promoting the things you value most How decluttering your home can lead to greater mental clarity and increased enjoyment of your possessions The three key platforms I used to sell our items and maximize our earnings I break down the process I used for each platform, sharing insider tips and strategies to help you achieve similar results. I also explain how this challenge ties into our larger goal of giving away a million dollars, emphasizing the importance of stewardship and maximizing the effectiveness of what you have. 💫The Challenge: Think you can beat my record of making $2,145 in 30 days by selling your clutter? Take on the challenge and email me ([email protected]) with your results for a special surprise bonus! 🎯 Key Takeaways: Every dollar counts when working towards a significant financial goal, and small actions can add up to make a big impact. Decluttering your home can lead to greater mental clarity, increased enjoyment of your possessions, and even more financial freedom. By maximizing your resources and being a good steward of what you have, you can create opportunities to be more generous and make a positive impact on the world. Resources Mentioned: Blog post: "How I made 2k Decluttering" - https://seedtime.com/how-i-made-2k-decluttering How to use Bookscouter - https://youtu.be/FafS-c4YaRY?si=aXPp7197uyLizprn Joshua Becker: Minimalism Expert - https://instagram.com/joshua_becker Becoming Minimalist: Joshua Becker's blog - https://becomingminimalist.com The Minimalist Home: book by Joshua Becker - https://amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999 Clutter Free with Kids: book by Joshua Becker - https://amazon.com/Clutterfree-Kids-thinking-Discover-habits-ebook/dp/B00HYNJKCU BookScouter.com: website and app for selling books - https://BookScouter.com Facebook Marketplace: platform for selling items locally - https://facebook.com/marketplace eBay: global online marketplace - https://ebay.com 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 @seedtime. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/TVSjcd-rwg0)! 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 sharing a financial strategy so simple, so painless, and so powerful, it almost feels like cheating. After applying this habit in our own lives for over a decade, we can confidently say that the 1% Challenge is the closest thing we've found to a "set it and forget it" path to financial success. And the best part? It's not just about padding your bank account. The 1% Challenge also enables you to steadily scale your generosity and impact year after year, without ever stressing about the numbers. In today's episode, we'll walk you through the counterintuitive behavioral science that makes this strategy so absurdly effective, including: How the Goldilocks Rule can help you find the "just right" sweet spot for financial growth Why the Law of Marginal Gains is the secret weapon of peak performers (and how to apply it to your money) The little-known reason why small, incremental changes can actually be easier to stick with than massive, drastic overhauls We'll also share our dead-simple 3-step process for implementing the 1% Challenge in your own life, starting today. Fair warning: This episode could change your financial trajectory forever. So if you're ready to put your wealth-building on autopilot, skyrocket your impact, and still enjoy life along the way, you won't want to miss this one. Resources Mentioned: The life-changing "True Financial Freedom" online class: True Financial Freedom | Christian financial class for churches - https://seedtime.com/true 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 @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/8vq_t8agNe0)! 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, Linda and I dive into a game-changing strategy for staying motivated on your financial journey—celebrating small wins! If you've ever felt overwhelmed by the enormity of your financial goals or wondered how to keep the momentum going, this episode is for you. We'll unpack why these small victories are crucial and how they can transform your financial journey from a tedious marathon into an enjoyable adventure with God. 🔍 Key Highlights: The Power of Small Wins: Why celebrating small victories can significantly enhance motivation and enjoyment on your financial journey. Stay Motivated: If you're struggling to stay motivated on your financial journey, this episode will provide you with actionable strategies to keep your spirits high and your goals in sight. Strengthen Relationships: Learn how celebrating small wins can not only help you achieve financial success but also strengthen your relationship with your spouse by working towards shared goals. Biblical Encouragement: Receive encouragement and insights from the Bible that reinforce the importance of celebrating progress, no matter how small. Practical Tips: Get practical, step-by-step advice on how to set milestones, track your progress, and celebrate your achievements in a way that aligns with your financial goals. Resources Mentioned: Debt Snowball Sheet: Our customizable spreadsheet to help you list all your debts and prioritize which one to pay off next using the debt snowball method. - https://seedtime.com/snowball Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl Harvard Business School Study: Research by Teresa Amabile on the power of small wins and their impact on motivation. - https://hbr.org/2011/05/the-power-of-small-wins 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ 🎯Your Challenge: Identify Your Big Financial Goal: What is the significant financial milestone you're aiming for? Break It Down: Divide your goal into smaller, manageable milestones. Track Your Progress: Use our debt snowball sheet or another method to monitor your achievements. Plan Your Celebrations: Define how you'll celebrate each milestone. Make it something to look forward to! 💫Connect with Us: Leave a Review: If you enjoyed this episode, please leave us a review on iTunes, Spotify, or your favorite podcast platform. Join the Conversation: Share your thoughts and milestones with us on social media @SeedTime 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/i6DzhXea8ng)! 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 have Jamie Winship (author of Living Fearless) and his amazing wife Donna on! We go a lot of directions in this one, but summing it up I would say that if you want to END fear in your finances and be inspired in your faith you have to check out this episode. 🔍 Key Highlights: Discover how fear not only influences, but often controls, our financial decisions and what we can do to break free from its grip. Learn how understanding your true identity can transform your approach to finances and life. The impact of fear on financial decision-making and how it limits Christian generosity. Jamie's unique perspective as a "militant peacemaker" and his extensive experience in hostile environments. Practical steps and thought experiments on how the average Christian household can contribute more effectively to solving global challenges. A deep dive into how nonprofits operate and the challenges of collaboration in the face of abundant resources. The transformative power of understanding your identity in Christ and its direct impact on financial and personal freedom. Resources Mentioned: Jamie's Book: Living Fearless - https://amazon.com/Living-Fearless-Exchanging-World-Liberating/dp/0800740297 IdentityExchange.com their website offering numerous resources, including free courses and intensive cohort studies that can help listeners deepen their understanding of their identity in Christ. - https://identityexchange.com Free Course: "Finding Hope in Depression" – A new resource provided by Jamie and Donna, ideal for anyone seeking hope and guidance, especially relevant for Mental Health Awareness Month. - https://identityexchange.com/finding-hope-in-depression If you're ready to challenge your limiting beliefs and step into a life of increased freedom and generosity, this episode is a must-listen. Dive into the heart of what it means to live fearlessly in your finances and beyond. Let's get to it and may this conversation bless you as much as it has blessed me and Linda! 📢 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sIescTfM6DA)! 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 a powerful concept that might seem counterintuitive at first—focusing on what NOT to do to achieve financial success. This episode is packed with stories, biblical insights, and practical steps you can apply right away. 🔍 Key Highlights: The Power of What Not to Do: Discover how avoiding certain financial mistakes can be more impactful than any active financial strategy. From janitors to boxers, learn how individuals from all walks of life have succeeded or failed financially, often contrary to expectations. Linda and I share our personal journey and the realizations that led to our goal of giving away a million dollars by age 40. Practical Steps and Tools: We provide actionable advice and discuss tools to help manage and plan your finances more effectively. Resources Mentioned: RocketMoney: A tool for tracking and managing your spending. - https://rocketmoney.com Simple Money, Rich Life: Our book that delves deeper into the strategies discussed in the podcast. - https://seedtime.com/smrl True Financial Freedom Class: A six-week course offered in various churches and small groups to help individuals achieve financial freedom. - https://seedtime.com/tff 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 @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2VK8zxlYG34)! 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 the key to unlocking true financial freedom isn't found in getting a raise, the latest financial hacks, or paying off all your debt? What if, instead, the answer was simply learning how to pray over your financial life? Today, we are unpacking 10 areas of your finances (or prayer points) that should be on your prayer list. 🔍 Key Highlights: The importance of praying for your finances and why it's often neglected. Insights into our personal story of job loss and financial recovery through faith. How to pray effectively for your financial life. Discussion on biblical insights into money and financial decision-making. Resources Mentioned: Free PDF Guide on Financial Prayer: A step-by-step guide filled with scriptures and prayer points to help you begin praying strategically about your finances. - https://seedtime.com/prayers Bible Verses About Money: Explore over 250 Bible verses curated by Bob Lotich - https://seedtime.com/money-in-the-bible/ True Riches by Greg Balmer: A thought-provoking book on materialism in the American church - https://amazon.com/True-Riches-Jesus-Really-About/dp/140020853X 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ We hope this episode inspires you to integrate prayer into your financial life actively. Remember, when we invite God into our finances, we open doors to miraculous possibilities. Tune in, get inspired, and transform the way you handle your finances forever! 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/q5KY3VJItJU)!

In this episode, we dive deep into the world of budgeting—not just any budget, but a healthy budget that works for you. Whether you're a budget skeptic or a spreadsheet enthusiast, this episode has something for everyone. Here's what we're unpacking today: 🔍 Key Highlights: 8 Questions To Ask To Determine If You Have A Broken Budget Why Most Budgets Fail Within The First 30 Days (And The Simple Tweaks To Make Yours Stick) The Counterintuitive Reason Why Budgeting Often Doesn't Work (And What To Do Instead) Resources Mentioned: Our Book Simple Money, Rich Life: Dive into Chapter 7 for a simple guide on setting up a one-category budget to get you started. - https://seedtime.com/smrl Our Real Money Method course offers a fresh perspective on budgeting that has helped thousands of our students find success where other systems failed. - https://seedtime.com/realmoney 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 @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/g722RLd94LU)

Today's episode dives deep into the transformative understanding of the two crucial phases of financial progress. This isn't just about money—it's about changing your life perspective and aligning your financial actions with God's promises. 🔍 Key Highlights: Discover The Two Phases of Financial Progress That Can Make or Break Your Success How Understanding This Simple Truth Drastically Increased Our Chances of Reaching Our Million-Dollar Giving Goal The Surprising Key to Accelerating Your Financial Progress, Even When You Feel Like You're Going Nowhere The Vision Phase: We discuss how this initial phase is about setting sights on what could be, often feeling like you're not making progress despite your best efforts. It's tough but crucial for setting the groundwork. The Momentum Phase: Learn about the tipping point where efforts start paying off more than you put in, bringing a thrilling sense of acceleration towards your goals. Resources Mentioned: "Atomic Habits" by James Clear for understanding the impact of small consistent actions - https://amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ Connect with Us: Follow and DM us on Instagram - @SeedTime for personalized advice and to share your success stories. - http://instagram.com/seedtime 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/XX3ToY2ibxY)! 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.

This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one! 🔍 Key Highlights: How this little known app Can Put Hundreds Back in Your Bank Account Every Month How One Couple Discovered They Were Spending 4X More on Eating Out Than They Thought How to spend less without even trying (and take an 80/20 approach to financial tracking) Why Tracking Your Spending Is the Key to Financial Freedom (and How to Do It) Attention vs. Reality: The Shocking Truth About Where Your Money Is Really Going Resources Mentioned: Rocket Money App - A user-friendly app for tracking expenses (available in both free and premium versions). - https://rocketmoney.com Our Free Tutorial - How to use the Rocket Money tool effectively. - https://seedtime.com/cashflow Our Book "Simple Money, Rich Life" - Delve deeper into our philosophy and strategies by checking out Chapter 4, which covers the topics discussed in today's episode. - https://seedtime.com/smrl Unbudgeting Program - Explore our Real Money Method for a simpler, more effective approach to budgeting. - https://seedtime.com/realmoney 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ Community Engagement - Connect with us on Instagram @SeedTime (http://instagram.com/seedtime), or via email at: [email protected] 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/rrBxEuu7FSk)! 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! Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast. This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here: https://seedtime.samcart.com/products/10x-live-recording-april-2024/ And if you would like to get the discount on the 10x PLUS Investing course, you can grab that here: https://seedtime.com/join

Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down! 🔍 Key Highlights: How Limiting Beliefs About Money Are Holding You Back From Your God-Given Potential The Simple Mindset Shifts That Allowed Us to Go From Broke to 7-Figure Givers Why Your Biggest Financial Obstacle Might Be Your Own Beliefs (and How to Change Them) How We Overcame Poverty Thinking to Achieve True Financial Freedom Resources Mentioned: 14-Point Checklist to Give $1M by Age 40 - https://seedtime.com/give1m/ The Debt Snowball Method for effective debt payoff - https://seedtime.com/free-debt-snowball-calculator/ Our book: Simple Money, Rich Life - https://seedtime.com/smrl For more episodes and resources, visit us at https://SeedTime.com. Let's continue this journey together towards financial freedom and abundant giving! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2F-qeJ-grCE)! 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 embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God. Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals. Here's what we're diving into today: Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles. Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose. Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources. Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision. Get our FREE AUM worksheet at https://seedtime.com/AUM 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 @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2qi0jYXFzXE)! 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.

As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering. Our wild ride from the edge of financial despair to experiencing financial miracles. Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll share the game-changing moments that reshaped our view on money and led to abundance in ways we never expected. Dreaming of giving away a million dollars might sound out of reach, but what if I told you it's possible? Let's talk about what happens when your biggest dreams and divine inspiration collide. We've got a strategy for financial victory that goes beyond the numbers. It's about mindset shifts and making smart moves. Curious about the twists and turns on that road? We're sharing all. Generosity isn't just for those with overflowing bank accounts. We found that giving, no matter where you're at financially, has the power to transform not just the receiver's life but yours too. Let's explore how the joy of giving can be part of your life, regardless of your financial status. For us, financial freedom became a tool, not the ultimate goal. It's a means to live out our mission, not the mission itself. What could redefining financial freedom mean for your life and purpose? Sometimes, the key to a financial breakthrough is found where you least expect it. We discovered simple yet profound changes that turned everything around for us. I'm excited to share those with you. Our financial story is more than just our own personal victory. It's a ripple in a larger pond, a call to action for everyone. Let's delve into how your financial journey can impact not just your life but those around you, in ways you might not even imagine. Tune in to not just hear a story of financial transformation but to ignite a spark for your own journey towards a richer life in every sense of the word. Links: Our True Financial Freedom course: https://SeedTime.com/true 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 @seedtime (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/vgPh9xC3KfA)! 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 there, SeedTime family! It's Bob & Linda here, and we've just wrapped up a fantastic conversation on our latest episode, where we dive into some golden nuggets of wisdom shared by millionaires about managing money, life, and everything in between. 🌱💰 In this episode, we're peeling back the curtain on "Nine (Plus One) Best Pieces of Money Advice Ever Received by Millionaires"—and trust us, you won't want to miss our bonus insight! It's an episode packed with laughs, insights, and some surprising revelations. 🔍 Key Highlights: The Illusion of the Self-Made Millionaire: Discover why the journey to financial success is a team effort and how humility in acknowledging this can transform your perspective. Being Proactive vs. Reactive: Learn how shifting from a reactive to a proactive mindset can drastically change your financial trajectory. Diversifying Income Sources: Explore the biblical wisdom behind not relying on a single income stream and practical tips for applying this in your own life. The Power of Community: Understand the impact of surrounding yourself with successful people and how it can influence your growth and success. Lifelong Learning as a Key to Success: Dive into the importance of reading and continuous learning in achieving any kind of success. The Paradox of Fear and Action: Get inspired to take action despite fear, with real-life examples of how facing fears head-on can lead to breakthroughs. Why You Should Listen: This isn't just about money; it's about living a life aligned with God's purpose for you. Leveraging insights from those who've walked the path of financial wisdom. Having a heart open to giving more than receiving. Resources Mentioned: Our special book offer, Simple Money, Rich Life—get your copy for the cost of shipping only! - http://seedtime.com/smrl-brp 10X Investing Course: A simplified approach to investing that has transformed our finances and can do the same for you. - https://seedtime.com/10x/ Article Source: Yahoo Finance - "Self-Made Millionaires: 9 Best Pieces of Money Advice We've Ever Received" - https://finance.yahoo.com/news/self-made-millionaires-9-best-120018619.html Whether you're navigating the ups and downs of financial planning, looking for ways to increase your giving, or simply seeking encouragement in your walk with God, this episode is packed with valuable lessons and laughs along the way. 🌟Sharing is Caring: Found value in our conversation? Share this episode with a friend who could use a dose of SeedTime wisdom! And if you're ever in Franklin, Tennessee, let's connect—we'd love to meet you! Stay Blessed, Bob & Linda 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/_ZcopEGKDNY)! 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, it's Bob! I've got some incredible news to share with you. We're kicking off a 40-week series titled "Our 40-week checklist to giving $1 million". Join us as we unveil our strategic checklist over the rest of 2024, packed with actions to propel you forward. Let's do this together! Each week, we'll unpack a specific action step that we took (and that you should too) that helped us reach that goal of giving away $1 million. Let's walk the journey of faith together, anticipating God's miracles in our finances. Your part matters, and with each episode, we embark on a natural-meets-supernatural adventure. Get inspired with our episodes to fuel your financial journey ahead. Join us for 40 weeks of transformation, learning, and growth. Let's do this!! Links: 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 @seedtime (http://instagram.com/seedtime).

If you're curious about how millionaires build wealth, this episode is for you. 233 Millionaires were interviewed, and they did this ONE thing from the book of Genesis… 🔍 Key Highlights: Tom Corley's Study: We explore Tom Corley's fascinating study on millionaires, revealing surprising habits that led to their success. Biblical Insights: Drawing parallels between Corley's findings and biblical principles, we delve into uncovering timeless wisdom from Genesis 41. Financial Strategies: We break down practical steps to implement these principles in our modern lives, discussing strategies like the 1 percent challenge, the 50/50 rule for raises, and the importance of automating savings. Multiplication vs. Addition: Understanding the difference between saving and investing and why moving from addition to multiplication is crucial for long-term financial growth. Biblical Stewardship: Emphasizing the bigger picture of financial success as a means to advance God's kingdom and be a blessing to others. Resources Mentioned: Tom Corley's CNBC article: I spent 5 years interviewing 233 millionaires—here's the No. 1 career move that made them rich - https://www.cnbc.com/2022/07/31/i-spent-5-years-interviewing-225-millionaires-3-money-habits-that-helped-them-get-rich.html "Millionaire Next Door": A classic book confirming the correlation between savings, investing, and achieving millionaire status. - https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 SeedTime's True Financial Freedom: Interested in diving deeper into these topics with your small group or church? Check out SeedTime.com/true for a six-week journey of financial discovery. - http://seedtime.com/true 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 (http://instagram.com/seedtime). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/FzG3V30y_Mo)! 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're seeking a breakthrough in your finances and wondering what you might be overlooking, this episode is tailored just for you. We've uncovered a pattern, a biblical approach, that seems to unlock God's provision in ways that defy human logic. Why You Should Listen: Discover the often-overlooked biblical pattern behind financial miracles and how you can apply it to your own life. Learn about the delicate balance between taking action and trusting God for the outcome, with practical examples from the Bible and real-life scenarios. Understand why God's timing and obedience to His calling are crucial components in witnessing miracles in your finances and beyond. Get inspired by a compelling testimony of financial breakthrough that defies human logic, highlighting the power of divine intervention when we align our steps with God's direction. 🔍 Key Highlights: The consistent pattern observed in financial miracles, both biblically and in personal experiences. The significance of Joshua 1:8 in understanding God's formula for prosperity and success. The critical role of our participation in God's miracles, illustrated through stories of Jehoshaphat, the boy with loaves and fishes, and David with his five smooth stones. An encouraging testimony of a couple facing insurmountable medical debt and their miraculous journey to financial freedom as they stepped out in faith towards full-time mission work. The importance of waiting for God's timing and how it plays a crucial role in experiencing breakthroughs. Strategies for hearing from God and understanding His will for your financial life and beyond. Resources Mentioned: The True Financial Freedom class by SeedTime - https://seedtime.com/true The book Simple Money, Rich Life by Bob Lotich - https//seedtime.com/smrl The SeedTime Podcast episode: how to hear from God with your giving - https://youtu.be/eW4-80Fka9I Tune in now and don't forget to subscribe, rate, and review the show – your support means the world to us! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/SbE6wTNa2SI)! 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 dive deep with John Mark Comer, author of "Practicing the Way," exploring transformative insights that bridge the gap between our financial lives and our journey with Jesus. Why You Should Listen: Why "Christian" Doesn't Mean What You Thought & the Invitation Jesus is Really Offering This one thing heals wounds better than church, Bible study, and therapy The mistake most Christians make when praying Why following Jesus requires you to accept that you will have many unlived lives And a lot more... 🔍 Key Highlights: The Apprentice vs. the Christian: We unpack the powerful idea that the term "Christian" might not fully capture the depth of following Jesus. Instead, we explore the concept of being an apprentice to Jesus, embracing learning and growth in a way that transforms our entire life. The Misuse of the Word "Christian": John Mark Comer sheds light on how the term "Christian" has been diluted in modern Western culture, often disconnected from the disciple-making Jesus envisioned. The Power of God's Love: We discuss how meditating on God's love can profoundly change us, more than decades of striving to be more loving could ever achieve. The Role of Spiritual Practices: The conversation takes a dive into practical steps and spiritual practices that can help us access the grace and power of God in our lives, moving beyond knowledge to a lived experience of God's love. The Importance of Prayer: We challenge the common approach to prayer as a one-sided conversation, encouraging a deeper, contemplative engagement with God that transcends words. The Concept of Renunciation: A thought-provoking discussion on the necessity of renunciation in our lives, especially in the context of discipleship, vocation, and family, highlighting the need to live in alignment with our deepest values. Choosing the Way of Jesus: An exploration of how embracing the way of Jesus involves making tough choices about how we live, work, and relate to others, prioritizing what truly matters over societal expectations. Resources Mentioned "Practicing the Way" by John Mark Comer - https://amazon.com/Practicing-Way-Jesus-Become-like/dp/0593193822 "Praying Like Monks, Living Like Fools" by Tyler Staton - https://amazon.com/Praying-Like-Monks-Living-Fools/dp/031036535X/ "The Ruthless Elimination of Hurry" by John Mark Comer- https://amazon.com/Ruthless-Elimination-Hurry-Emotionally-Spiritually/dp/0525653090 💫Connect with Us: For more enriching discussions and resources on living a faith-filled life that honors God with your finances, visit https://SeedTime.com. Interested in connecting with our community or diving deeper with a small group or church? Visit https://SeedTime.com/true for more details on how we can support your journey. 🔊Let's Continue the Conversation: We'd love to hear from you! Reach out to us on Instagram https://instagram.com/seedtime, or send an email to [email protected]. Let's explore how we can continue to grow together in faith and financial stewardship. Thank you for tuning in to the SeedTime Money Podcast. If this episode has touched your heart or sparked curiosity, consider sharing it with a friend or leaving us a review. Your support helps us reach more people with the message of combining faith and finances in a way that honors God. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/iylvPgx9zUM)! 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, Linda and I dive deep into a topic that's been on our minds lately: our out-of-control grocery bill. If you've ever found yourself halfway through the month with an empty grocery budget, you're not alone. Here's a glimpse into our conversation and the strategies we're implementing to save $600 per month on groceries: 🔍 Key Topics Covered: Understanding the Root Cause: We reflect on recent events like our vacation to Hawaii and how they contributed to overspending on groceries. Inflation Woes: We discuss the staggering increase in food prices, with examples from our recent grocery trips. Taking Control with Data: We emphasize the importance of tracking expenses using tools like Personal Capital (now Empower Personal Dashboard) or RocketMoney to gain clarity on spending patterns. Snack Strategy: We share our plan to reduce spending on prepackaged snacks by opting for healthier, more cost-effective options like fruits and vegetables. Strategic Shopping: We explore the benefits of sticking to one primary grocery store, focusing on cost-effective options like Costco and leveraging sales and seasonal items to save money. Meal Planning Mastery: We discuss the value of meal planning to prevent impulse purchases and ensure cost-effective meals. Budget Evaluation: We highlight the importance of evaluating the cost of each meal and identifying areas where savings can be maximized. . Resources Mentioned: Personal Capital (Empower Personal Dashboard): A tool for tracking expenses and gaining insights into spending patterns. - https://seedtime.com/empower RocketMoney: An alternative tool for budget tracking and expense categorization. - https://www.rocketmoney.com/ Costco - (https://www.costco.com/), Trader Joe's - (https://www.traderjoes.com/home), Sprouts (https://www.sprouts.com/), Whole Foods (https://www.wholefo odsmarket.com/), Publix (https://www.publix.com/): Various grocery stores discussed for strategic shopping. My Interview with a grocery shopping expert: The best times to buy certain groceries. - https://www.youtube.com/watch?v=bGxw8p2vhtk 💫Connect with Us: If you enjoyed this episode and want to engage further, we'd love to hear from you! Reach out to us on Instagram https://instagram.com/seedtime, or via email at [email protected]. Plus, if you're interested in hosting a six-week session with your small group or church, visit https://seedtime.com/true for more details. Thanks for tuning in! Don't forget to subscribe, leave a review, and share this episode with friends who could benefit from budget-saving tips. We appreciate your support! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/z8ovGZlWqjA)! .

One of our listeners, Michael, is weighing the pros and cons of staying in a beloved ministry job that pays $45k or switching gears for a $90k corporate gig. He asked our advice, so here goes... 🔍 Key Highlights: The Big Decision: Michael's predicament and the universal challenge of choosing between financial security and fulfilling work. Asking the Right Questions: We discuss five crucial questions to help you (or someone you know) navigate similar crossroads with clarity and faith. God's Guidance vs. Financial Gain: How to align your career choices with your calling and ensure your work serves a higher purpose. Resources Mentioned: Real Money Method Course: A guide for those seeking practical steps to manage finances effectively. - https://seedtime.com/realmoney/ "Simple Money, Rich Life" Book: Dive into our philosophy on money, giving, and living a life aligned with God's calling. - https://seedtime.com/smrl/ 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://www.youtube.com/live/Um_uKpI2OHQ)! 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 chatting with Greg Baumer, co-author of "True Riches: What Jesus Really Said About Money and Your Heart" and "God and Money." This is a thought-provoking discussion as we explore the intersection of faith, finances, and finding true contentment in Christ. 🔍 Key Highlights: Greg Baumer's Journey: Discover how Greg and his co-author, John, navigated the world of wealth and business at Harvard and how this journey transformed their understanding of money and faith. Confronting Materialism: A candid look into how our culture is deeply entrenched in materialism and how this affects our spiritual lives. The 'Christian Halo' Over the American Dream: Challenging the common Christian financial narrative that focuses more on material success than spiritual wealth. Generosity vs. Coveting: Greg discusses the dangers of coveting and the powerful impact of true generosity in our lives. Financial Choices Reflecting Faith: How our spending, saving, and giving can be a testament to our faith and values. Identity and Possessions: A personal story from Greg about redefining identity in Christ, not in material possessions. Resources Mentioned: Book: "True Riches: What Jesus Really Said About Money and Your Heart" by Greg Baumer and John Cortines - https://amazon.com/True-Riches-Jesus-Really-About/dp/140020853X Book: "God and Money" by Greg Baumer and John Cortines- https://amazon.com/God-Money-Discovered-Business-Paperback/dp/1628624736 Generous Giving: An organization focused on spreading the message of biblical generosity and offering retreats like the Journey of Generosity- https://generousgiving.org/ Subscribe to the SeedTime Money Podcast for more episodes that empower you to live a financially free and purpose-driven life. Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/watch?v=3oVdGMuIWIU)! 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.

Back with part 2! And the 10 most common questions we get about adoption. 🔍 A few AI generated Key Highlights: Our Adoption Journey: Hear why we chose to adopt, the challenges we faced, and our biggest mistake – not fully understanding the difference between adoption and placement agencies. Adoption vs. Placement Agencies: Learn from our experience about the crucial differences between these two and why it matters in your adoption process. Costs and Legal Aspects: We delve into the financial and legal sides of adoption, providing real numbers and insights to help you prepare. Handling Social Worker Responsibilities: Discover the unexpected role Linda had to play in our first adoption and why having a social worker is vital. Emotional Preparation and Faith: We discuss the importance of prayer, trust in God, and emotional readiness for the adoption process. Adoption Agency Selection: Insights into choosing the right agency and how to make your profile stand out to potential birth mothers. Open vs. Closed Adoptions: Learn from our experiences of having two different types of adoptions and how they impacted us. Common Questions Answered: Eligibility Requirements: What you need to know about being eligible for adoption. Legal and Custody Issues: Our experience and advice on handling legalities. Can Birth Mothers Change Their Minds?: Understanding the legalities and emotional aspects. Adoption Process Duration: Insights into timelines and preparing yourself. Adoption Costs: Real numbers and tips for financial planning. Adopting with Biological Children: What you need to consider. Role of Birth Parents: How birth parents are involved in the process. Preparing Emotionally: The importance of prayer and an open heart. Matching Process: How agencies match children with families. Starting the Adoption Process: Practical first steps to take. Resources Mentioned: Adoption Agencies: American Adoptions (https://www.americanadoptions.com/) and Angel Adoptions (https://www.angeladoptioninc.com/) Financial Aid: MediShare (and government programs) - https://seedtime.com/medishare Scriptural Reference: James 1:27 (on caring for orphans) (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) 🌱 Connect with Us: Instagram: https://instagram.com/seedtime Email: [email protected] Visit https://seedtime.com/true for more details on joining us for a six-week small group or church session. Until next time, keep sowing your financial seeds and let's grow together in God's plan for our finances! 🌟 Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/live/b_wz-hbwTII)! 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.

Adoption. While it might not seem like a typical 'money' topic, trust us, it's significantly impacted our lives, both personally and financially. 💡Episode Highlights Our Adoption Story: We share our journey of adopting two of our children, including the emotional and spiritual revelations experienced along the way. God's Hand in Adoption: We discuss how adoption reflects God's love and our adoption into His kingdom, emphasizing the spiritual aspect of this journey. Challenges and Realizations: From emotional struggles to practical hurdles, we delve into the complexities of the adoption process. Debunking Myths: We challenge common misconceptions about adoption, emphasizing that it's not a 'plan B' but a beautiful, divinely-guided path. Birth Mothers' Perspectives: Understanding and respecting the birth mothers' experiences and decisions are crucial in the adoption journey. Listener Questions Answered: We address 10 frequently asked questions about adoption, offering insights from our personal experiences. 👋 Want More Bob and Linda? Join us for a 6-week journey with your small group or church. Visit https://seedtime.com/true or DM us on Instagram https://instagram.com/seedtime. 📝Join Us Next Time: Don't miss the next episode, where we reveal our biggest adoption mistake and delve deeper into your burning questions about adoption. Watch this episode on our SeedTime Money Podcast YouTube channel (https://www.youtube.com/live/b_wz-hbwTII)! 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 12 FREE flights on Southwest this year? It is far easier than you think, and in this episode we are breaking down how we are doing this and how you can too. Resources Mentioned: SeedTime's Free travel article: Dive deeper into our exact travel strategies. - https://seedtime.com/free-travel/ Southwest Companion Pass: Get all the details about this extremely RARE promotion - http://seedtime.com/sw Our Passive With Purpose workshop: https:SeedTime.com/pwp 🔍 Key Highlights: Our Journey with Free Travel: We're sharing our personal experiences and strategies for traveling for free. From flights to hotel stays, we've mastered the art of maximizing rewards. The 80/20 of Travel Hacking: We'll discuss how we focus on efficiency and simplicity rather than getting bogged down in complex travel hacking techniques. The Power of Points: Learn why not all points are created equal and how understanding the nuances can unlock incredible travel opportunities. Southwest Companion Pass Promotion: Discover how Southwest Airlines is offering a game-changing promotion that could land you a companion pass for a year. Credit Card Wisdom: While we're all about maximizing rewards, we'll also touch on the importance of responsible credit card use and share our three golden rules. As always, thanks for tuning in, and don't forget to share this episode with friends and family who could use some financial wisdom. Until next time, stay blessed and keep thriving! Watch this episode on our SeedTime Money Podcast YouTube channel 9https://youtube.com/live/wAVVjSdSNXM)! 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 excited to dive into the heart of why SeedTime exists and share our 40-year vision with you. 🔍 Key Topics & Questions Covered Clarifying the SeedTime Mission: Understanding the 'why' behind our brand and its evolving journey. Personal Reflections: How Bob and Linda's 18-year journey has shaped SeedTime's vision. The SeedTime Credo: A powerful statement reflecting our goal of inviting God into our finances. The Impact of Christian Generosity: Discussing the potential cultural and societal changes when Christians become the most generous faith group. Redefining Culture through Faith: The role of Christian values in influencing culture, with examples from Chip and Joanna Gaines. The Practical Side of Faith and Finances: How managing finances according to God's will can impact adoption, foster care, and personal decisions. The Personal Touch: Linda's insights on balancing material desires with spiritual commitments. Resources Mentioned: SeedTime Website: Visit https://seedtime.com for more resources and information. SeedTime Small Group Experience: Learn how you can bring this transformation to your small group or church at https://seedtime.com/true. 🤝 Connect and Contribute: Have a prayer request or want to join a conversation? Reach out to us on Instagram at https://instagram.com/seedtime. Your reviews help us grow and reach more people — please consider leaving one! 🌟 Special Offer: Interested in a 6-week group session with us? Visit https://seedtime.com/true for more details. 💬 Final Thoughts: This episode is not just about managing money; it's about shaping lives and communities through God-led generosity and wisdom. It's a call to action for every Christian to rethink their financial habits and its broader impact. This episode is a must-listen for anyone seeking to align their financial practices with their faith. 🌱 SeedTime Money Podcast — where faith meets finance, and where your money journey transforms not just your life, but the world around you. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/Sr3umhJEQlI)! 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.

Join me for a FREE passive income workshop on Feb 22 by enrolling here: https://SeedTime.com/pwp Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/X0k17Gfs10A)!

1. Today's story is a true testament to faith, trust, and the unexpected ways God works in our finances. 2. Pardon the 'iPhone in a bathroom' sound of the mic today LOL - we had an issue and should have it fixed going forward! A little of what we are talking about... A Surprising Email: Discover the story of a SeedTime listener who faced an unexpected financial dilemma—being overpaid by $20,000! A Test of Faith: Hear how this situation turned into a powerful test of faith and trust in God's provision. Deep Insights: Linda and I dive deep into what true financial freedom means and how it's more about heart condition than bank account balance. Real-Life Application: Learn how to handle financial surprises and tests with grace and trust in God. Resources Mentioned: SeedTime courses - https://seedtime.com/courses Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Grab a copy of our Assets Under Management (AUM) sheet - https://seedtime.com/smrl-aum 🌟 Connect with Us: Share your stories and questions: Email me at [email protected] or DM on Instagram @seedtime- https://instagram.com/seedtim e Join our community: Interested in diving deeper into these topics with your small group or church? Visit https://seedtime.com/true for details on how we can serve your group. Remember, this journey isn't just about becoming debt-free or accumulating wealth; it's about aligning our hearts and finances with God's purpose. This episode is a powerful reminder that our financial journey intertwines deeply with our spiritual walk. So, tune in, get inspired, and let's continue to grow together in faith and financial wisdom! Stay blessed and keep seeking God in all aspects of your life, including your finances! Exciting News: We're working on SeedTime merch! Have any T-shirt ideas or know a great designer? Let us know! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/HwJqj3MGVow)! 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, I'm thrilled to have my friend and teen money expert, Derek Kinney, join me for a deep dive into teaching teens about money management. Whether you're a parent to teens or just starting to educate your younger kids about finances, this episode is packed with insights, strategies, and real-life examples to guide you through this critical journey. 📢Here's what you'll discover: Earnings vs. Allowance: Derek shares his philosophy on this crucial aspect, emphasizing the need for teens to understand the value of earning and contributing to the family. Financial Mistakes as Learning Tools: We discuss the power of sharing our financial failings with our kids, making us more relatable and teaching important lessons. Wants vs. Needs: How to help teens distinguish between these, using relatable examples like brand preferences and consumer behavior. Credit Card Wisdom: We dive into the responsible use of credit cards, teaching teens to view them as tools rather than temptations. Preparing Teens for the Real World: Derek introduces his program, 'Simple Teen Success', a comprehensive guide to equip teens with essential life, business, and money skills. Personal Parenting Insights: We share our personal experiences and epiphanies in parenting teens, especially during their crucial senior year of high school. 🎧Compelling Reasons to Listen: Discover practical strategies to teach your teens about financial responsibility. Learn how to use your financial mistakes as powerful teaching tools. Get insights on preparing your teens for real-world challenges, beyond academic success. Understand how to guide your kids in using credit cards wisely. Hear about an innovative program designed to equip teens with essential life skills. 🎯Resources Mentioned: Simple Teen Success Program: A subscription-based resource offering courses and live streams on business, money, and life skills for teens. More details at https://simpleteensuccess.com. Free Downloadable Guide: "Five Strategies to Win in Life for Teens," available at https://simpleteensuccess.com. Final Thoughts: In this episode, we've uncovered valuable insights and tools not just for teens, but also for us as parents. It's about partnering in our children's financial education journey, using our experiences and the resources available to us. Join Derek and me in this engaging conversation, and let's empower the next generation together! Connect with Us: If this episode resonates with you, or you know someone who might find it helpful, please share it. You can reach out to us at [email protected] or via Instagram: https://instagram.com/seedtime Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MWuX4laIhdY)! 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.

Broadcasting from sunny Hawaii, we're diving into a story that beautifully illustrates God's creativity and provision. 🎯Resources Mentioned: SeedTime's Net Given Tracking Sheet: A tool to track your blessings and giving. Available at: https://seedtime.com/ng Our Book, "Simple Money, Rich Life" (https://seedtime.com/smrl: Discover more about financial freedom and giving in Chapter 26. True Financial Freedom Class: Our flagship class designed for individuals and groups, focusing on fulfilling your God-given purpose and breaking free from hidden money beliefs. Details at https://seedtime.com/TFF Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/qC4azFKNS7E)!

In this episode, we're diving into a thought-provoking topic: "If We Lost It All: The 7 Things We Would Do." In This Episode, We Discuss: The Power of a Favorite Sweatshirt: Discover why Linda's Aloha sweatshirt symbolizes more than just comfort. Responding to Financial Setbacks: We open up about how we would rebuild from scratch, sharing our personal strategies and mindsets. Practical Steps to Financial Recovery: From survival budgets to leveraging social media, learn actionable steps to regain financial stability. The Role of Faith in Finances: Explore how our faith shapes our approach to financial challenges and opportunities. Maximizing Resources and Opportunities: Tips on focusing efforts for greater impact in rebuilding. The Importance of Unity in Marriage: How working together as a couple can strengthen your financial and spiritual journey. 🎯Resources Mentioned: Better Life Podcast by Brandon Turner: A great source of inspiration aligning with our mission. - https://abetterlife.com/podcast/ Simple Money, Rich Life: Our book offering a comprehensive guide to managing finances God's way. - http://seedtime.com/smrl https://SeedTime.com/Prayer: Find our free PDF with prayer starters and financial verses. Write Useful Books: A recommended read for anyone interested in writing impactful books - https://writeusefulbooks.com/ Subscribe & Review: If this episode has helped you, please subscribe and leave a review on iTunes. Your feedback helps us reach more people and continue our mission! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/VqMHIMbpPCs)! 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 chatting with Jordan Raynor, as we dive deep into his new book, "The Sacredness of Secular Work," and explore how our everyday jobs impact eternity. I love our conversation (and think you will too) as it challenges the conventional view of work as just a means to an end and encourages us to find divine purpose in our professions. Key Topics Discussed 🔑 Redefining Work in God's Kingdom: Jordan discusses how every profession, from baristas to CPAs, holds eternal significance. This challenges the notion that only 'ministry' work is meaningful for Christians. Impactful Stories & Examples: Hear about individuals like Chassie, who found her calling as a hairstylist, and learn how embracing our God-given talents can lead to greater fulfillment and opportunities to witness. Debunking the Great Commission Misconception: Jordan addresses the modern church's narrow interpretation of the Great Commission and its impact on believers' view of their work. Eternal Rewards and their Importance: A fresh perspective on why Christians should eagerly pursue eternal rewards as instructed by Jesus. The Concept of the 'Anti-Bucket List': Jordan introduces the idea of focusing on eternal priorities over worldly experiences. Practical Application: How these revelations can profoundly affect our daily lives and work. Resources Mentioned 🎯 Book: "The Sacredness of Secular Work" by Jordan Raynor - https://www.amazon.com/Sacredness-Secular-Work-Matters-Eternity/dp/0593193091 Scriptural References: Extensive biblical insights provided, including Isaiah 65, Ephesians 6, and more. Where to Find the Book 📖 "The Sacredness of Secular Work" is available wherever books are sold or visit https://JordanRaynor.com for more information. Tune in now for this inspiring episode on the SeedTime Money Podcast and redefine how you view your work and its eternal significance! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ptCUNsrnNRc)! 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 friends! It's a Linda-only episode today. And I am excited to share something that I've had on my heart about this! 📢Here's what we'll cover: A Deep Dive into "The Knowledge of the Holy" by A.W. Tozer: I share my reflections on this impactful book that explores God's attributes in ways you might have never considered. It's a must-read for anyone looking to expand their understanding of the divine. God's Imagination vs. Ours: Discover how our creativity and imagination are actually reflections of God's own creative power, putting our capabilities into a humbling perspective. God's Attributes Beyond Our Understanding: Delving into the attributes of God that we, as humans, might not fully grasp due to our earthly limitations. Jehovah Jireh - Our Provider: A powerful discussion on how God provides for us in multifaceted ways, beyond our conventional understanding of provision. Practical Reflections on Finances: I share personal anecdotes about looking beyond financial challenges and recognizing God's provision in unexpected ways. A Reminder for the Holiday Season: As we navigate the pressures of spending and consumption, I encourage you to remember that our ultimate provider isn't the material world but God himself. 🎯Resources Mentioned: "The Knowledge of the Holy" by A.W. Tozer - https://www.amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906/ Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/2Pu7zZFcq94)! 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 there, SeedTime family! If you're a business owner, freelancer, or just curious about the tools that we use make our business thrive, this episode is for you! And if you have any tools or apps that you love in this area please send us a DM on Instagram https://instagram.com/seedtime 🎯Resources Mentioned: Gusto Payroll - $100 signup bonus - https://seedtime.com/gusto Relay Business Banking - $50 signup bonus - https://seedtime.com/relay/ Asana - https://asana.com Notion - https://www.notion.so/ Medi-Share- https://seedtime.com/2/medishare.php Slack- https://slack.com WP Engine - https://seedtime.com/2/wpengine.php Canva- https://canva.com Later- https://Later.com (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) Join our flagship class, True Financial Freedom, for more insights on aligning your finances with your God-given purpose. Check it out at https://seedtime.com/tff. 🌺 Mahalo and see you in the next episode! 🌺 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/hMUkSAK-DQs)! 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 friends, today I'm taking a deep dive into my personal journey, sharing heartfelt and sometimes humorous stories from my childhood about growing up in financially tight circumstances. This isn't just about the struggles, but about the invaluable lessons learned and the hope that shines through. 🔑 Key Takeaways: The Importance of Perspective: Recognizing that someone always has it worse and the power of counting your blessings. The Cost of Being Broke: Insight into how financial struggles can lead to further expenses and the cycle of poverty. Choosing Your Hard: Deciding between the difficulty of staying in financial hardship and the challenge of working your way out of it. The Power of Working Smart: Understanding that hard work is valuable, but directing efforts in the most effective way is crucial. Overcoming Financial Identity: How to avoid letting financial struggles become a defining part of your identity. Strength from Hardship: Recognizing that difficult experiences can lead to growth and resilience. 🎯 Resources Mentioned: Real Money Method Course: Our unique approach to managing finances effectively. - https://seedtime.com/realmoney Previous Podcast Episode Valley of Disillusionment - https://youtube.com/live/7Isf9aD9Cvo?si=3um2PzhiUWYhKl9C Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/MhIkjaP79nI)! 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 share a personal conversation with a reader who's grappling with this tough situation, and I offer some practical, heartfelt advice based on their specific circumstances. 📢Here's what you'll discover: The Reader's Dilemma: An in-depth look at a family facing bankruptcy, struggling with debt, and trying to make ends meet. Budget Breakdown: Tips on reducing expenses in various categories like groceries, transportation, and childcare. Income Generation Ideas: Creative solutions for increasing income through gig work, leveraging assets, and cutting back on non-essentials. Managing Debt and Bankruptcy: Insights into navigating Chapter 13 bankruptcy and planning for a financially stable future. 🎯Resources Mentioned: Get Upside app: Get cash back on everyday necessities - https://upside.com GasBuddy app: for saving on fuel- https://gasbuddy.com Consumer Reports: for buying reliable used cars- https://consumerreports.org "The Knowledge of the Holy" by A.W. Tozer - https://amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906/ Our book: Simple Money, Rich Life - https://seedtime.com/smrl Our class: True Financial Freedom class - https://seedtime.com/tff Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/7o5VQhAsGjA)! 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 dive deep into a topic that's been stirring up a lot of questions and curiosity: Cryptocurrency, especially Bitcoin, and its place in the world of Christian finance. With Bitcoin's price nearly doubling in the last 3 months, it inevitably gets people interested and I have been getting more questions like: Should Christians invest in Bitcoin? What does the Bible say about Cryptocurrency? Is crypto okay for Christians to invest in? And so I wanted to take a few minutes today to give my thoughts on it. 📢Here's what you'll discover: How it might be similar to an investment that Abraham had What the Bible says (or hints at) about crypto The fine line between gambling and investing, and how this distinction is critical here Whether or not it is the one-world currency the Bible speaks of in Revelation Why it is an especially bad idea for certain people What I am personally doing right now 🎧 Reasons to Listen: For Clarity and Direction: Whether you're a crypto-curious Christian, a skeptic, or somewhere in between, this episode offers a balanced, biblically-informed perspective on cryptocurrency. Educational and Empowering: Gain valuable insights from my extensive research and personal experiences in crypto investing, tailored for our Christian community. Practical Tips and Tools: Learn how to approach crypto investing wisely and in alignment with biblical principles. 🎯Resources Mentioned: I just published an article here unpacking my thoughts on this topic of whether or not Christians should be involved with Crypto.- https://seedtime.com/christians-and-crypto/ 10X Investing Course: A comprehensive guide to smart investing, from the basics to advanced strategies.- https://seedtime.com/10x Cryptocurrency Essentials Mini Course: A curated compilation of over 100 hours of crypto research, simplified for your understanding.- https://learn.seedtime.com/courses/crypto-essentials SeedTime Crypto Article: Crypto. The future? A hyped bubble? & a look at how I am investing in it- https://seedtime.com/crypto/ Article from Sharecast: Providing additional insights into the nature and future of Bitcoin.- https://sharecast.com/promoted/cryptocurrencies/is-bitcoin-fulfilling-a-biblical-prophecy.html Interested in these resources? Email me at [email protected] or DM: https://instagram.com/seedtime on Instagram. Invite your friends and family who are curious about crypto to listen to this episode and the one from January 21st, 2023, for a thorough understanding of cryptocurrency from a Christian perspective. Let's navigate these waters together, equipped with knowledge, wisdom, and faith! I think there are a lot of angles and a lot to explore here so I'd love to hear where you are on this in the comments section as well. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-tzAH_w_4Vw)! 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 want to explore an observation from a multi-billionaire about housing that we find to be fascinating. Hope you find this as interesting as we do!! 🎯Resources Mentioned: Our book, "Simple Money, Rich Life"- https://seedtime.com/smrl Podcast: Walk in Love by TJ and Brooke Mousetis - https://www.walkinlove.com/podcast Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/0tRffj5NonQ)! 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.

Even if you don't consider yourself to be a speaker, you probably are. Most of us all talk to people a LOT - from coworkers to friend groups to our families, and we can all grow in our ability to communicate. Christy Wright is an author, certified business coach, and world-class professional speaker. You might also know her from the decade or so she worked with Dave Ramsey's team. So whether you are a business leader, content creator, volunteer leader, or just a leader in your household, you could probably sharpen up your speaking skills, and this episode is going to help you do that. So earlier this year, Linda and I gave a 5-minute offering message at our church, sharing about a revelation we had about giving. In this episode, Christy is coaching us on how to make it better and improve our communication and speaking skills. This episode was EXTREMELY high value for us, so I pray that you will get the same benefit from it that we did! And when you are done listening, head over to Christy's website to grab her free PDF "The top 10 mistakes all speakers make" - https://christywright.com/speaking 🔑Key Topics Covered: The Importance of Effective Communication: We all communicate daily in different settings. Learn why honing this skill is crucial. Overcoming Communication Challenges: Insights into common hurdles and how to navigate them effectively. Practical Tips for Public Speaking: Christy breaks down strategies to improve public speaking, including body language and audience engagement. Applying Communication Skills in Everyday Life: How to use these skills in regular interactions with family, colleagues, and in ministry. Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/xHnA3Jf8j70)! 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, I'm diving deep into the world of business savings accounts and how you can make your money work harder for you and your faith. With interest rates climbing, I've scoured the market to find the best options for your business savings – and I can't wait to share these gems with you. Whether you're a seasoned business owner or just starting, this episode is packed with valuable insights and practical tips to enhance your financial stewardship. Key Topics and Questions: The State of Business Savings Accounts: How have rising interest rates affected the options available for business savings? I delve into the current landscape. Discovering High-Yield Options: I share my personal journey of finding business savings accounts that offer more than the standard 0.1% interest rate, including some that offer up to 4%. Bank Selection: Why did I choose Relay Bank for my primary business checking account, and what makes them stand out in the market? Top Business Savings Accounts: I discuss my top picks, including LiveOak Bank, Axis Bank, and the unique Wesleyan Investment Foundation. Balancing Returns and Risks: Understand the balance between high returns and the security of FDIC insurance. My Personal Finance Moves: Find why I chose the bank I did my business savings and why I didn't choose the other options. Resources Mentioned: Relay Bank: A standout option for business banking with a savings rate higher than most.- https://seedtime.com/relay/ NerdWallet Article: Provided crucial information in my research for high-yield savings accounts- https://nerdwallet.com/best/small-business/business-savings-accounts LiveOak Bank: Offering a 4% business savings account and a 6-month business CD with over 5% interest.- https://liveoakbank.com/business-banking/business-savings/ Axos Bank: A good choice for those with an existing personal account, offering a 4% business savings account with a $5,000 minimum deposit.- https://axosbank.com/Business/Small-Business-Banking Wesleyan Investment Foundation: A unique investment opportunity for Christians, offering up to 6% interest while supporting church loans.- https://wifonline.com/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/cBWL5T1XxpY)! 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.

With Mint.com closing its doors, many are left wondering, "What now?" Well, it turns out that there are a few alternatives that are actually FAR better than Mint and that is what we are sharing today. Here's a sneak peek of what we cover in this episode: The Limitations of https://Mint.com: We discuss how Mint.com, despite its popularity, fell short in helping users effectively budget due to a lack of built-in accountability. This lack of consequences for overspending makes it easier to deviate from your budgeting goals. Our Go-To Financial Tracking Tool: Discover the power of the Empower Personal Dashboard, our primary tool for the past decade. It's a free, comprehensive app that excels in financial tracking, overshadowing what Mint offered. Revolutionizing Budgeting with The Real Money Method: Learn about our unique approach to budgeting, which doesn't rely on traditional apps, envelopes, or spreadsheets. We share how this method promotes unity in finances and simplifies money management, making it quicker and more effective. Resources Mentioned: Empower Personal Dashboard: Our top recommendation for financial tracking.- https://seedtime.com/2/empower.php The Real Money Method: A budgeting approach that ditches complexity for simplicity and effectiveness.- https://seedtime.com/realmoney Check out the details and enroll here to transform your financial life. Get 20% off our Real Money Method Training Program with code MINT20.0 - https://seedtime.com/realmoneymethod (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) Don't miss out on this episode full of practical advice and real-life stories that will inspire you to take control of your finances in a way that aligns with your values and lifestyle. Tune in to find out how you can start writing your own success story today! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ZP7-VEEgQ-o)! 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 have been getting emails from a bunch of readers asking what I think about the Tranzact rewards debit card. If you haven't heard, basically it is a debit card that provides "Z-Bucks" that can be used to buy everyday items. In theory I love what Tranzact is doing, but in reality I will be really surprised if this is still around in a year… I have some friends who are using it and who are excited about it, but I always do my own due diligence and go with my intuition and I am not feeling good about it. These are the red flags and the reasons I am passing on Tranzact (and make sure you listen til the last one, because it is the nail in the coffin for me.)… 🎯Resources Mentioned: Tranzact Rewards Debit Card: An overview of the card, its features, and the claims made by the company - https://tranzactcard.com/ Our Courses: here at SeedTime - https://seedtime.com/courses/ Temu: online marketplace - https://temu.to/m/uzjjld5k7io Richard Smith charged with securities fraud in 2010 - http://www.kleinutah.com/wp-content/uploads/2009/11/Criminal-ProbCauseAff-Aug13101.pdf (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/KEEkZthci7E)! 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 Parable of the Talents and how it holds the keys to succeeding as a Christian—yes, even in your finances. So pull up a chair, grab your Bible, and let's get started. Are you struggling with managing not just your money but your time, relationships, and other God-given resources? Do you feel like you're holding back from multiplying your God-given talents out of fear? Want to discover how divine mandates can shift your perspective and align your life more closely with God's purposes? Here's What We're Covering: Intro to the Parable of the Talents Where to find it: Matthew 25:14-29 (New Living Translation for readability) The overlooked depth of this parable beyond just finances How this parable aligns with teachings on the end times The Characters and Their Significance The Master (God), The Servants (Believers), and The Talents (Resources) Delegating according to abilities: what does it mean for us? Key Themes You Can't Ignore Stewardship: Managing what you've been entrusted with Investment: The principle of growing your God-given talents Accountability: Yep, you will be held responsible Modern-Day Relevance Pushing back on today's "me, myself, and I" culture The immediate application for Christians today Fear vs. Faith Personal stories of how fear held me back Why stepping out in faith isn't the same as taking a risk Divine Mandates vs. Good Advice This is not just some good life advice; this is about aligning ourselves more closely with God's purposes. By the end of this episode, my hope is that you won't just think of this parable as a "money lesson" but see it as a guide on how to be more in tune with God's purposes in every aspect of your life, including your finances. Let's bust some myths and dig into the life-transforming wisdom that this parable holds. Resources Mentioned: YouVersion Bible App: Search for my plans under 'Bob Lotich' or 'SeedTime' to find our newly released devotional about the Parable of Talents. - https://www.youversion.com/ New Living Translation (NLT) Bible: The version I used for today's reading, which makes the text super accessible. - https://www.bible.com/versions/116-NLT-new-living-translation Hey, if this episode blesses you, it's going to bless others too. So share it with your friends, your family, and anyone else you think needs to hear it. Until next time, take care and God bless! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/1rFETI90xzA)! 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're diving deep into a topic that's both controversial and unavoidable: credit cards. Today, we just want to share our own take on credit cards. No fluff, no shaming—just our honest thoughts. What's in this episode for you? Listen to this episode if you want an open, authentic discussion on a topic many consider taboo but is nevertheless something we all have to deal with. Whether you love 'em or hate 'em, after this episode, you'll have a more nuanced perspective on credit cards. Trust us; you won't want to miss this one! Resources Mentioned: Our email list: The best deals, practical tips, and spiritual insights are all there. To join, head over to https://SeedTime.com/subscribe Bible Money Matters Blog: An old friend's financial blog that even got Dave Ramsey to comment once. - https://www.biblemoneymatters.com/ Our book: Simple Money, Rich Life - https://SeedTime.com/smrl Our article: Our 3 Simple Rules for Credit Cards - https://seedtime.com/credit-card-rules/ P.S. If you haven't already, don't forget to subscribe to the podcast so you won't miss out on any future episodes that will help you manage your God-given resources better! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/g-HCqZrthXw)! 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, I'm unpacking some of my personal money-saving hacks that can keep your wallet happy during the most wonderful (and expensive) time of the year. Resources Mentioned: 6 apps, tools, and ideas I have used to save thousands over the years!! Rakuten: $40 signup bonus, but you have to go through our link because they don't make it publicly available - https://seedtime.com/rakuten Honey: A browser extension that automatically finds and applies coupon codes at checkout for over 30,000 shopping sites - https://www.joinhoney.com/ CamelCamelCamel: Amazon price tracker that shows you the price history of items, so you know if you're getting a good deal - https://camelcamelcamel.com/ Slickdeals: A community-driven deals website where users share and vote on the best deals- https://slickdeals.net/ Our Real Money Method (un)budgeting course: this is the course where we go behind the scenes of how we actually manage our money month to month - and this method has kept us from NOT going into Christmas debt ever since we started using it - https://seedtime.com/realmoney/ Shopping during Black Friday window - this is generally when the best deals are, so focus your shopping around this time. 🎯Bonus Resource: Need some gift ideas for the person who has everything? Check this out: https://seedtime.com/the-top-10-christmas-gift-ideas/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/vergtgUg-Ug)! 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 today's episode, we had a super raw and real conversation about how to change who you will become in the next five years. The key? Taking a hard look at the inputs in our lives. Before we dive in, a HUGE shoutout and Happy Birthday to Linda! 🎉 🎙️ In this episode, we cover: The importance of growth and change in our journey with Jesus. The iconic quote about how we are the sum of our five closest friends and the books we read. But is that all there is to it? How we can think about "inputs" in our lives more broadly - from friends, to social media, to the shows we watch, and of course, our faith. Why merely thinking positive might not be enough. The surprising power of avoiding negativity. Our thoughts on TikTok and a fun theory we heard (no shade to the TikTok lovers out there!). Three actionable ways to become a better version of yourself in the next five years: Decide to make an intentional change. Eliminate the negative inputs that hold you back. Increase positive inputs and surround yourself with those who lift you up. A personal story about the challenge of finding the right friends and how being intentional about it can make a world of difference. The underrated value of books and why I'll forever advocate for them. 📚 A mindset shift about the timeframe of change and how our lives can be radically different in five years. Resources Mentioned: Jim Rohn - https://www.jimrohn.com/ Chris Farley's "Van Down by the River" SNL skit - https://www.nbc.com/saturday-night-live/video/motivational-speaker/n9691 Berkshire Hathaway annual meeting - https://www.berkshirehathaway.com/meet01/visguide2023.pdf 💡 Final thoughts: Growth requires effort, intentionality, and sometimes discomfort. But remember, God's got you through it all. Whether you're in a season of growth or you feel a bit stuck, I hope this episode inspires you to evaluate, change, and march toward the best version of yourself. Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/8v7ro8pzrEs)! 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.

This simple story from my devotional has been one of the most impactful stories I have heard. Join us as we dive deep into an inspiring story that challenges our perception of faith and God's provision. This episode is not just about money or finances but about life's unexpected challenges and the miraculous ways God intervenes when we trust Him. 🔑 Key Topics Covered: The incredible testimony of George Muller's faith in the midst of adversity. What true reliance on God looks like, even in the densest fogs of life. Why we often limit our perspective to options A and B when God has infinite solutions. The significance of prayer in our daily lives and decisions. How faith challenges our worldly thinking and the importance of trusting God over our own understanding. Learn how to surrender to God's solutions rather than relying solely on our limited human reasoning. Resources Mentioned: "Streams in the Desert" by L.B. Cowman - https://www.amazon.com/Streams-Desert-Daily-Devotional-Readings/dp/0310353688/ George Muller and his testimonies of faith - https://guideposts.org/inspiring-stories/the-inspiring-life-of-george-muller/ "The Knowledge of the Holy" by A.W. Tozer - https://www.amazon.com/Knowledge-Holy-W-Tozer/dp/1626309906 https://SeedTime.com/churches Tune in to this episode to be uplifted, inspired, and reminded of the infinite ways God can provide, even when the path seems unclear. Whether you're facing financial struggles or personal challenges, remember that God has endless solutions beyond our imagination. All it takes is trust, prayer, and a bit of faith. Let's embark on this journey together, challenge our perspectives, and grow in our faith! Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/NIIYFpnW4Ss)! 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 friends, I recently shared how God helped Linda and me pay off our mortgage in just 9 months, and while hundreds of commenters were thrilled at what God did, some questioned the intentions or priorities behind it. If you've ever wondered why God would answer "superficial" prayers over what might seem like more critical issues, this episode is a must-listen for you. 🎙 What We're Covering: Why Would God Help with "Selfish Prayers"? Addressing the doubts and concerns raised about why God would help someone pay off debt rather than solve world hunger or stop child abuse. Linda and I get it, guys. We've cried our eyes out over the injustice in the world. We share in your heartbreak, and I talk about that emotional conflict If you've ever wrestled with the morality of praying for personal financial blessings, this is your episode. We're all about authentic and real conversations here, so no beating around the bush. We tackle tough questions head-on. For those of you who want to increase your financial giving, get inspired to see how financial freedom can exponentially grow your impact. We're not just talking dollars and cents; we're talking about soul-stirring, life-changing stuff here. The kind that makes you rethink not just your finances but your whole life's purpose. Trust me; you don't want to miss this episode. It could very well be the paradigm shift you need to understand the intertwined beauty of financial stewardship and divine purpose. See you on the inside! 🎧 Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtube.com/live/uFJexJu16no)! 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. Note: As always, this podcast isn't just for informational purposes. It's an invitation to shift perspectives, to think a little deeper, and maybe, just maybe, get one step closer to fulfilling your God-given potential.