SeedTime with Bob and Linda Lotich

This is from truly impactful section from a workshop we did a couple months ago. We helped our attendees create a 30-day financial plan, enabling them to kickstart their budget and save money for the best 2023 ever! During the workshop, we covered 5 common limiting beliefs that many people experience when it comes to building a budget or a spending plan. The insights we shared resonated with so many participants that I knew I had to share it with you. My hope is that by addressing and breaking down these limiting beliefs, you can overcome any hurdles holding you back from taking control of your financial life. Throughout the episode, you'll hear us discuss the following limiting beliefs: "I don't make enough money to budget." "It's too hard and time-consuming." "I'm not good with numbers." "I don't want to face my financial reality." "I don't want to stop spending on things I love." We want to inspire you to tackle these beliefs head-on and discover what God might be trying to tell you in this area of your life. Our goal is to make budgeting and managing your finances easy and accessible, no matter your current situation. So, if you're ready to take control of your finances and break free from the limiting beliefs that might be holding you back, tune into this episode. We'll be your hype team, cheering you on every step of the way. And remember, you can access the full workshop in our Real Money Method Plus package for even more invaluable insights. Links: Our Real Money Method Plus Package - https://SeedTime.com/rmm Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/LwgiwId9Bvs) If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this episode, we're talking about the second most important financial metric to track, which we call Assets Under Management (AUM). Everything that you do, whether good or bad, affects your AUM. And it's a great number to track because it's a way to measure your financial progress, and if you're moving forward financially. Links: Get your FREE AUM spreadsheet - ​​https://seedtime.com/smrl-aum/ Our Book: Simple Money, Rich Life - ​​https://seedtime.com/smrl/ Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/oinQjX87kL4) These are a few of the topics we cover: Everyone should know their AUM (no matter their financial class) Why we don't like the term "Net Worth" Why AUM reframes your thinking into true stewardship Why you should track your AUM How to determine your assets How much debt do you have? How to calculate your AUM How often should you check your AUM? Good managers know what they are managing See improvement with your AUM by just making a few tweaks God is waiting for you to take that first step in faith and trust Him Find more in Chapter 2 of our book: Simple Money, Rich Life 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.

A few days ago President Biden initiated a new federal rule could raise the monthly mortgage payments of buyers with good credit scores (680+) by over $60 a month… And when I first saw this I thought for a minute it was a Babylon Bee headline. Turns out it isn't, but is from Newsweek. I then shared it with our Instagram family(https://www.instagram.com/seedtime/) and the response was insane. I probably had 50 DMs in less than 24 hours about it - some outraged, some confused, some with questions. And so today we are going to be doing our weekly LIVE podcast and discussing this and answering as many questions as we can about it. Here are a few of the questions we will be answering: How this new fee affects homebuyers with a credit score of 680 and above 2 What credit score ranges will be getting a discount from current rates How 2/3 of the population is negatively affected by the new mortgage calculation adjustments What you might expect to pay if your credit score is around 680 under the new rules If you already have a mortgage, will these new adjustments apply to you And more… Links for further reading: LLPA Matrix: https://singlefamily.fanniemae.com/media/9391/display LLPA changes: https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes 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.

When I was 13 years old, I spent every dollar I earned on golf. I would play two or three times a week and became a pretty good golfer for my age. While I liked golf, it was never really my favorite sport. But my identity had become wrapped up in it, so I kept playing. It was what I and others had come to expect. As I got older, it dawned on me that spending all my money on a hobby just because I had an aptitude for it or because it was what I was known for didn't make much sense. So, even though it wasn't easy, I laid down that part of my identity. Additionally, over the years, I began better aligning my hobbies with my goals by asking these questions: What if I chose hobbies that weren't inherently expensive? What if I chose hobbies that could make me healthier? What if I chose hobbies that would generate income? When I started asking these questions, I began to see hobbies in a different light. Instead of paying $50 a round to play golf, I could play tennis for free, spend less on equipment, and get better exercise. So our discussion today isn't to try to get you to lay down hobbies you love, but instead to evaluate them from time to time to make sure they are still serving you well. Links: Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/a2FbtalbLnU) 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.

A lot of people want to know how they compare, how they stack up to other people. And in this episode we're talking about 5 signs that you're doing better financially than the average American. Now this isn't to feel good at someone else's expense, but to get a healthy perspective about where you stand financially. So regardless of where you stand, let's let this be an encouragement - deal? Links: MSN Article mentioned: https://www.msn.com/en-us/money/personalfinance/5-signs-you-re-doing-better-financially-than-the-average-american/ss-AA15DnvL#image=1 (AUM) The 2nd most important financial metric to track - https://youtu.be/oinQjX87kL4 Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/wFLuUAeXoOw These are a few of the topics we cover: Getting a healthy dose of where you actually stand financially Finding direction in where you want to be with your finances Falling into the parenting trap of comparing your kids to other kids How much do you have in savings currently? Do you need to increase your savings? How does your surroundings affect your finances (season of life, where you live, etc.) Getting creative when you're in a financial emergency The housing market and rise of home values Student loans and the rise of interest rates 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 often get asked "how did you know it was God?" after we share some of our giving stories that God has led us through. While we don't have all the answers and we don't believe there is only one way to hear from God, in this episode we are sharing what we have learned about hearing from God with our giving (and really any other areas of our lives). In this episode we share: The exact process we follow when we are trying to identify if we are hearing from God or not. A specific miracle money story and example that just happened a couple days ago. How hearing from God is something we ALL can do and isn't reserved for the "super-Christians" LOL And a lot more... Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/eW4-80Fka9I)! 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 talking about the single highest earning investment you can make now (and that you should ASAP). And no it isn't Crypto, Forex, or any other stock pick. It is actually something far easier and more accessible for all of us. Oh and this is our first ever LIVE podcast episode. As in, we live-streamed it on our SeedTime Money podcast channel here: https://www.youtube.com/channel/UCREfMgyUzMp5UAI0ALjCnSw For the remainder of April we are going to be live-streaming episodes each Thursday at 1p CST / 2p EST if you'd like to join us! 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 studying countless wealthy people I have discovered there is one thing that they NEVER do. They never depend on their willpower to succeed. They find a way to create a system that will automatically lead them to the success they are after. In today's episode, we are looking at how you and I can steal their secret and apply it to our lives. Links: Automatic Millionaire book by David Bach - https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085 Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/kZAYXJWlWck These are a few of the topics we cover: Why you should not rely upon willpower You can become a millionaire by automating a few things The secret of financially successful people How we pay income taxes has changed over the years How to not think about things you don't want to think about How to become a more consistent giver Have you been saving for your retirement? What are the areas in your life that you can automate? 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 am going to break down the Fundrise innovation fund - I'll share what I like about it, my 2 biggest concerns, how risky of an investment this is and who should definitely NOT invest in it. And then I'll give you my verdict on if I am going to be investing in it. I keep getting people asking me about this so I decided it was time to talk about it… so without any further delay, here are my thoughts on the Fundrise Innovation Fund. Links: Get the Fundrise $10 signup bonus: https://seedtime.com/2/fundrise.php Fundrise Innovation Fund: https://fundrise.com/offerings/26/view Our 10X Investing Course: https://seedtime.com/10X Send me a DM on Instagram (@seedtime) - https://instagram.com/seedtime Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/WsxDU2IhwNI (Please note: links mentioned may be affiliate links which add to our giveaway fund - for you! Thanks for your support!) These are a few of the topics we cover: What I like about Fundrise Innovation Fund The five interesting sectors that are included in this new investment opportunity What you should know about IPOs when investing My 2 biggest investing concerns that you should also be concerned about Why good management matters Who should definitely NOT invest in this investment What is your risk tolerance? How risky of an investment is the Fundrise Innovation Fund? How you can learn more about investing in our 10X investing course My verdict on if I am going to be investing the Innovation Fund 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 on the podcast, we're talking about paying attention and how it can improve our performance. The idea is based on Pearson's Law, which states that "when performance is measured, performance improves." This applies to everything from driving on the highway when we see a cop with a radar gun, to weight loss, and to our finances. When we measure our performance, it improves. So if you're looking to make better decisions with your money, try using one of the methods we discuss to track your spending (aka measure your performance). Instructions on how to use Personal Capital to track spending - https://SeedTime.com/cashflow Links: Our Book: Simple Money, Rich Life - ​​https://SeedTime.com/smrl Our True Financial Freedom class- https://SeedTime.com/tff Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/fQ0KFEtS3xM These are a few of the topics we cover: What do you do when driving down the road and you see a cop car? How important is it to pay attention? An effective way to improve weight loss How to benefit from implementing Pearson's Law If someone were to pay you to track your spending, would you? The tool you can use to see where you've been spending your money How often you should evaluate your spending What 98% of our listeners will likely NOT do 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

Well, it's time to get up close and personal. Today we are going to drop you in on a recording where we show our exact budget, exact categories, and why we do what we do. Hope you find it helpful! For more on the method we use check out https://seedtime.com/realmoney You can watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/ebX3yJmDM1M These are a few of the topics we cover: If you think how you spend your money is weird, it's ok… we're all weird! Our budgeting categories reflect what is important to us and your categories should reflect what is important to you Our budget case study - how we specifically break down our budget How you can avoid money fights in your marriage through a budget The benefit of budgeting and having the ability to pay off your house and not carry loans An overview on how our Real Money Method budget system works 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 am sharing exactly how I went about opening a crypto Roth IRA so that I can get some of my crypto investments inside of the wonderful Roth IRA. This one will probably be better to watch on Youtube than listen and you can do that here... https://youtu.be/Y8RX_VWXb00 Links: Our 10X Investing course (and crypto essentials mini course) - https://seedtime.com/10x Alto CryptoIRA ($50 bonus) - https://seedtime.com/2/altoira.php Directed IRA - https://directedira.com/ Bitcoin IRA - https://bitcoinira.com/ Rocket Dollar Self-directed IRA - https://rocketdollar.com/accounts/self-directed-ira ITrust Capital IRA - https://itrustcapital.com/how-it-works These are a few of the topics we cover: The thinking I have when it comes to crypto investing How to get crypto into a Roth IRA What you should know about Alto's Crypto IRA What I didn't like about other Crypto IRA options My choice for investing a Roth IRA with crypto The risks you should consider with investing with crypto for IRAs The outlook of investing with crypto for IRAs The process in setting up a crypto Roth IRA A look into my crypto Roth IRA profile The easiest trading aspect when it comes to Roth IRA investing 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.

So many people think the key to financial success is just in depriving yourself of everything you enjoy in life. We are NOT those people. We believe that you can actually spend MORE on what you love all while improving your financial life. In this episode we talk about exactly how to do that. And for more, check out Chapter 8 of our book Simple Money, Rich Life: https://seedtime.com/smrl How to cancel unused subscriptions: Apple: https://support.apple.com/en-us/HT202039 Amazon: https://www.amazon.com/yourmembershipsandsubscriptions Google store: https://support.google.com/googleplay/answer/7018481?hl=en&co=GENIE.Platform%3DAndroid Links: Our Real Money Method Course - https://seedtime.com/rmm Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/IbhrxPm0WHM These are a few of the topics we cover: Do you feel guilty when spending money? A better way to be intentional with your money Are you spending money on things you don't need, or that's not important to you? Are you spending money on things that you don't know you're spending money on? Do you have the boldness to defy what everyone else is doing and what all the experts are saying to "do you" and instead, be who God made you to be? Have you ever thought about how God is working through you when you're spending money? You need to look for the opportunities that God has given you, as He works through you! If you're married, don't forget that you are in a partnership and that you need to consider what is important to your spouse as well The key we found to be the most helpful when it comes to marriage and finances How to stop fighting about money with your partner When you get your financial life in order, it doesn't have to be one or the other…you can do it all! The blessings that come from not only obeying God, but partnering with Him 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 lesson we are talking about the Roth IRA: a LEGAL tax loophole that is "too-good-to-last" according to a millionaire mentor of mine. If you have heard about the Roth IRA and are curious, this will help give you some inspiration to take advantage of this awesome tool the US Government has given us. Links: Our 10x Investing course will show you (down to what buttons to press) how to open one AND teach you how to make wise investments inside of your Roth IRA - https://SeedTime.com/10x Our True Financial Freedom class will teach you how to master all aspects of the money in a God-honoring way - https://SeedTime.com/tff Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/u98na2GI3uQ Here is just a little bit of what we cover in this episode: Why I think almost everyone should have a ROTH IRA How it could save you hundreds of thousands in taxes How much can I contribute to a Roth IRA? Who is eligible to open a Roth IRA? What types of investments can I hold in a Roth IRA? When can I withdraw money from a Roth IRA? Can I withdraw contributions from a Roth IRA tax-free? Are there any penalties for early withdrawals from a Roth IRA? What is the difference between a Roth IRA and a traditional IRA? Are there any other fees associated with a Roth IRA? How do I open a Roth IRA? 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 parents, we all want our kids to grow up and be successful adults right?. And, in this episode we're talking about an article I read that is full of wisdom for all parents on this topic. The article consists of some phrases that were never said by 70 parents of highly successful adults. Links: Article mentioned: https://www.cnbc.com/amp/2022/08/20/i-talked-to-70-parents-of-highly-successful-adults-here-are-phrases-they-never-said-when-their-kids-were-young.html Send us a DM on Instagram @seedtime - https://instagram.com/seedtime Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/e_ogtP6FpRY These are a few of the topics we cover: It's not only okay to get things wrong, but it's good! The success that you see comes with many failures that are not seen Teaching your children how to walk with God through difficulties There is real value in having to work for what you want Why character is built by going through the hard stuff Why you should never let school get in the way of an education Why it's ok if your child has a subject in school that they are not good at Putting your energy into finding what you're good at Laying down your plans and aspirations for your kids How to move your children forward in their gifts Do your kids earn an allowance? Money is not just something you buy stuff with, it's a tool Do you want money, or do you want what you think money is going to give you? How to have your kids grow up with a sense of purpose and wanting to make a difference in the world. 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 the recent banks collapsing (Silicon Valley Bank, Signature Bank, & Silvergate Bank) a lot of people are wondering if their money is safe in their bank. And the answer is MAYBE. In this episode we are discussing the 2 things you need to do right now to protect your assets in your bank (as well as your investments). Share this with someone who needs it! 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 talking about part 2 of the 10 Golden Rules of Becoming a Millionaire that we are pulling from an article we found. There is lots of good stuff in here, so definitely check this out! If you haven't checked out part 1 yet, listen to that first!! Links: Our Podcast episode: "The 10 golden rules of becoming a millionaire" (Part 1) - https://seedtime.libsyn.com/the-10-golden-rules-of-becoming-a-millionaire-part-1 Article "10 Golden Rules of Becoming a Millionaire" - https://moneytalksnews.com/slideshows/the-10-golden-rules-of-becoming-a-millionaire/ Lessons I learned from my millionaire mentor: https://seedtime.com/investing-lessons/ Our 10X Investing course - https://seedtime.com/10x These are a few of the topics we cover: The balance of YOLO and saving for tomorrow How do you want to spend your retirement? The only 6 ways to get rich The best ways to build wealth Would you fare better working for a business or starting your own business? The riskiest thing that you can do Your well being is no one else's responsibility Are you depending on the government, or depending upon God? Why less is more… even when it comes to information The healthiest strategy when it comes to investing in the stock market Why time is not money… money is time! 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 talking about The 10 Golden Rules of Becoming a Millionaire that we are pulling from an article we found. There is lots of good stuff in here, so definitely check this out! And then stay tuned for part 2! Links: Article "10 Golden Rules of Becoming a Millionaire" - https://moneytalksnews.com/slideshows/the-10-golden-rules-of-becoming-a-millionaire/ Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Chris & Andrea Peach Podcast Episode: How this couple paid off $52k in 7 months (12/14/2020)- https://directory.libsyn.com/episode/index/id/17132114 Our 10X Investing course - https://seedtime.com/10x These are a few of the topics we cover: Our journey and motivation for making money The secret to being content Have you involved God and prayed about your finances? We hope you're not spending your money like this… Why there is no "neutral" ground in personal finance How much you make doesn't matter as much as THIS does The best time to buy stocks and the best time to sell The risk/payoff ratio when it comes to investing Warren Buffet's golden rule on investing The difference between looking rich and actually being rich Having an eternal perspective when it comes to your finances Money is an amplifier to your character 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.

Your WORTH in the marketplace is tied to CONTEXT. This is incredibly important to understand when you are wanting to earn more from the work you do. So in this episode we discuss how to position yourself to get paid MORE for the work you do. Links: Glassdoor: https://glassdoor.com Our Book: Simple Money, Rich Life - ​​https://seedtime.com/smrl/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/kD7ltT-H-is These are a few of the topics we cover: How to determine your worth and your value in the marketplace The value of something depends upon the context (The Joshua Bell story and lesson) How to get yourself in the position where you're valued the most How to operate within your giftings How to discover what your gifts are How the Enneagram fits in Why you have to continue to learn and hone the skills God has given you How to identify where you need to be 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 2009 - yes 14 years ago - I began writing random articles to generate passive income on a site called Hubpages. I haven't written a thing for the site in over a decade and I am still getting checks from them each and every month. And so in this episode I want to give an update on how this passive income experiment with Hubpages has worked out for me and a recent experience from a reader in the SeedTime community as well. Links: SeedTime blog post - "Make money writing for Hubpages" - https://seedtime.com/make-money-writing-for-hubpages Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/4ofk-oiExJ8 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 sharing 4 different ways that I've been using a new AI tool called Chat GPT for Bible study. It's a really fascinating tool and I'm excited to share with you to see how it can help you out in your Bible study. Chat GPT is a free AI tool that that has infinite possibilities, but today we are talking specifically about how we can use it to help us quickly search for Bible verses, generate summaries or outlines of Bible passages and even answer questions about what was going on in the world when a specific book of the Bible was written. It's been a great tool to help me in my Bible study and you might find it helpful as well. The first way I've been using it is to ask, "What does the Bible say about blank?" This has been really helpful to quickly search for different Bible verses on a specific topic. All you have to do is type in the topic and it will spit out different Bible verses that relate to it. The second way I've been using Chat GPT is to ask, "Are there any Bible verses that support this "blank"?" I can paste in a section of text I wrote and it will provide me with Bible verses that can help support my point. This has been really helpful because sometimes there are verses that I can't remember but this tool can help me out. The third way I've been using Chat GPT is to generate summaries or outlines of specific Bible passages. For example, I asked it "What's the meaning of the parable of the talents?" and it provided me with a great summary of the parable and the lesson it teaches us. If you wanna try it out, you just need to go to chat.openai.com and create a free account. I'd love to hear your thoughts on this tool and how you're using it in your Bible study. Let me know by sending me a DM on Instagram. Thanks for joining me on today's episode and I'll see you in the next one! Links: ChatGPT - https://chat.openai.com Send a DM on Instagram - https://www.instagram.com/seedtime Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/8Y1ubYiIxkI 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.

Whether you are in a financial crisis or doing fine, you can bet that you have had (or will have) financial battles to face. This episode goes over the Biblical approach to face them head-on and to see God show up and do the miraculous in your situation. Read 2 Chronicles 20 to get the full story. Links: Our Book - Simple Money, Rich Life: ​​https://seedtime.com/smrl/ How we paid off our mortgage in 3 years - https://seedtime.com/paid-off-house/ Giving our age as percentage - https://seedtime.com/giving-our-age/ Prayers for finances PDF - https://seedtime.com/prayers Our True Financial Freedom Class - https://seedtime.com/tff Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/E-eDI0poyqs These are a few of the topics we cover: One of the coolest miracles of the Bible The power of prayer in numbers Even when it seems impossible, do this Blessings and protections received when obeying God Do this when you are facing a battle in your finances How to do what you can in the natural, so you can experience what God can do in the supernatural The unfair advantage we have as Believers 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 sitting down with Carlos Whittaker and discussing everything from how he has used Instagram to give away over $2 mil to random people, to how social media algorithms are tearing us apart, to his brand new book called How to Human. Carlos is a great writer, storyteller, and communicator and this book is more important than ever as we live in such a divided society. This book shows how to do it right, so grab a copy here: https://amzn.to/3XVCOot. And while you are at it, follow Carlos on Instagram: @loswhit - https://www.instagram.com/loswhit/ You can watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/FuV6_SEut3Q These are a few of the topics we cover: What social media sites are you following? Who are you listening to? How screen time affects your brain How can we be healthy when it comes to technology Are you generous? How do you define generosity? Can you be addicted to giving? What Christians should be doing that the government is currently doing How to know where you should give Jesus was always gave like this You don't have to wait to have a lot of money to give People are desperate to be seen… by us! Giving is not only biblical, but spiritual 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 first paid off our house at age 31 and then after moving to Tennessee, we took out a mortgage and then paid it off again using the simple investing strategy that we talk about in this podcast. Links: Book: Rich Dad, Poor Dad by Robert Kiyosaki - https://amzn.to/3WU6jFT Our 10X Investing Course - https://seedtime.com/10X Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/t6F-LiidyHo These are a few of the topics we cover: The most impactful investing lesson that I've ever learned What items are you currently spending money on that are decreasing in value? What can you be buying that will increase in value with time? How to be strategic when buying individual stocks The benefits of passive investing How you can win a $25 Amazon gift card from us 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.

Some Christians seem to think investing is morally wrong because it means that you are serving mammon rather than God. Well, we not only disagree, but we actually feel that we have a moral obligation to invest our money. Here is why... Links: Our True Financial Freedom Course - https://seedtime.com/tff Get 20% off our 10x Investing Course until Feb 16, 2023 using code WINTER23 - https://seedtime.com/10x Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/L-V5djYvgKU These are a few of the topics we cover: The consistent connection with our hearts and money How to know if you are putting your trust in money, or in God Why investing is part of being a good steward The trap not-for-profits get stuck in God didn't create us to just be mediocre Why we need safe boundaries in place when it comes to our finances Believing God for beyond what you can do in the natural How we behave with our money reveals our heart The secret of being content What is true financial freedom? How to grow your money so that you can give more 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 I was updating our 10X Investing Course, I came across a lesson that I wanted to share with you! It's my life-long investing plan. This lesson is broken up into four key stages and I'll take you through each one of them. If you want to learn more, we are currently running a special on our 10X Investing Course that you can sign up for in the links below. Links: Get 20% off our 10X Investing Course until Feb 16th, 2023 using code WINTER23 - https://seedtime.com/10X Send me a DM on Instagram (@seedtime) - https://instagram.com/seedtime Send me an email: [email protected] Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/82WAM5incbQ These are a few of the topics we cover: The 10X stages of investing and my life-long investing plan Anti-investments and why they need to be eliminated How to begin laying a foundation when it comes to investing How to see the power of your money working for you The critically important thing you need to do to break out of the rat race How to build significant wealth over time Investing risks vs rewards The biggest yield I've experienced in my investments Cryptocurrency and its risk When to start investing in riskier investments The problem with an investment that is too safe My long-term goal for retirement when it comes to investing 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 is a look at the top 7 actions Americans took to build wealth in 2022. Which of these are you doing? Links: Article mentioned - https://cnbc.com/amp/2022/12/13/top-action-americans-took-in-2022-to-increase-personal-wealth.html Get 20% off our our 10x investing course until Feb 16th with code WINTER23 https://seedtime.com/10x/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/M0G0i5h5m0U These are a few of the topics we cover: Inflation and interest rates, have they affected how you're building wealth? Can you make more money with a different job? Or by starting a business? What is an iBond? And should you have them? How to negotiate a raise What makes you valuable in the workplace? What hobbies do you have that you can turn into income? The best time to invest in the stock market How not to trade your hours for dollars The best way for you to invest in the long term What is your purpose in building wealth? 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 we are just chatting about some fun and exciting things happening and if you are part of this little SeedTime community, you have likely been part of them - so thank you! Oh and there might just be a mention of a $2k giveaway coming soon?!?! If you want more information about using our True Financial Freedom class (https://seedtime.com/tff) in your church, shoot me an email [email protected] and I can get you all the details! Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/d7ErDN3tvX4)! 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.

Famed basketball legend, Larry Bird, was apparently mocked by his teammates because he didn't spend his earnings recklessly (like so many NBA players). There are some lessons here for us all to take... Links: Original article: https://basketballnetwork.net/.amp/off-the-court/larry-bird-remembers-when-players-that-later-went-bankrupt-made-fun-of-him-for-saving-his-money MSNBC article: https://msnbc.com/msnbc/one-six-retired-nfl-players-go-bankrupt-study-finds-msna574311 Our Book - Simple Money, Rich Life: ​​https://seedtime.com/smrl/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/bW-DbPnWx9E (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Think being a multi-millionaire athlete guarantees financial security for life? Think again! Are you making smart decisions with your money? Unlock the secret to wise money management Avoid emotional pitfalls and make sound financial choices How your giving can make a lasting impact on eternity Are you in control of your financial situation? Imagine the life you want to live and start planning for it today What are your current savings goals? And are you on track to achieve them? 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 decided to dig into what C.S. Lewis, the great theologian, had written about money over his years of writing. And I was fascinated by what I found. One of the most striking things was that in all his studies of the Word, he boiled all his thoughts and beliefs about Biblical giving and generosity down to one simple rule that we all can follow. Links Mentioned: Our YouVersion Bible Reading Plan "C.S. Lewis' 1 Rule About Giving - https://www.bible.com/reading-plans/34377-cs-lewis-one-rule-for-giving-generosity God Runs My Business: The Story of R.G. LeTourneau - https://www.amazon.com/God-Runs-My-Business-LeTourneau/dp/B0007DQGS0 Podcast Episode: Our favorite Biblical hack to make giving easier and fun - https://directory.libsyn.com/episode/index/id/25241292 Financial Verses about Prayer - https://seedtime.com/financial-verses-prayers/ Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/01Zob_8cjm0 (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: The Apostle Paul's financial wisdom Does poverty frighten you? What your money says about your heart Are you depending upon money, or upon God? What does true financial freedom mean to you? How do you handle the storms in your life? When God gives you a vision, He will also provide the provision What can you say no to, so that you can say yes to giving? How to store up treasure in heaven Why you should pray for your finances 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 want to do something a little bit different. I'm talking about Bitcoin and Cryptocurrency on a 101 level. Regardless of whether you have any interest in crypto, i'd love for you to understand this so you don't fall into the 2 most common crypto camps: those who thing it is a ticke to get rich quick and those who say it is ALL a scam. THIS is the message that I want everyone to hear and understand about cryptocurrency... Links: Sound Mind Investing Newsletter sign up - https://soundmindinvesting.com (use code SEEDTIMESMI to get 25% off) Our 10x Investing course - https://seedtime.com/10x Watch this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/47RQfvTHLrI (Please note: links mentioned may be affiliate links that help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why you should know about cryptocurrency (at least a little) Understanding cryptocurrency (i.e. blockchain, Bitcoin, Ethereum, tokens, etc.) Why is crypto investing so volatile? What is the safest crypto investing option? Why we should think of blockchains like the journey of the iPhone What to know about decentralized finance And a lot more... 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.

So many financial experts do this and I've had this happen to me so many times over the years. So please don't ever say THIS to us... Links Mentioned: True Financial Freedom Course - https://seedtime.com/tff Simple Money, Rich Life - https://seedtime.com/smrl These are a few of the topics we cover: Worrying about what others think of your purchases Feeling judged for your financial situation Are you relying on external sources in finding your identity? How to find true financial freedom You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/o-7ZxI4qxvo)! 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.

When Linda and I tied the knot, we set a goal for ourselves: to give away as much money as possible. We knew that with God's help, anything is possible. Even though we didn't have much to begin with, by His grace we managed to give away a $1 million by the time we hit 40. None of this would have been possible without God's grace. And the only way we were able to keep track of our progress was by monitoring what we call our 'Net Given' - it's a number that's crucial to keep an eye on. Check out this episode for more on all of this! And this episode is pulled from a YouTube video we shot, so if you want to watch you can do so here: https://youtu.be/xW-Sh8z0uR4 Links: Our Book: Simple Money, Rich Life - https://seedtime.com/smrl Net Given spreadsheet download - https://seedtime.com/ng/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why you should invite God on your giving journey The importance of writing down your goals Do you think eternally as a Christian? What you should track instead of your Net Worth Does your budget include a giving category? Have you challenged yourself to give more? 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.

So what is the thing that Dave Ramsey and Suze Orman actually agree on? And that we agree with them as well? You will just have to listen to find out!! Links: PolicyGenius: https://seedtime.com/PG (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) A few topics we cover... Something no one wants to talk about, but you should! Will your loved ones be taken care of when you pass away? What happens if you die unexpectedly, will you be prepared? Have you taken stock of your situation lately? The best source to find the right life insurance for you! The need to re-evaluate all existing insurance policies Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/6dGbZeCFkpo)! 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.

Calling all Medi-Share users! There's a secret I want to share with you. They offer a little known program that is saving us $780 that most members miss out on. Oh and it only took my 5 minutes to get it. This is pulled from a YouTube video where I explained how you can take advantage of this… If you want to see the screen check it out here: https://www.youtube.com/watch?v=TLddbBs4J_s Links Mentioned: Blood pressure monitor: https://amzn.to/3PJP7AR Curious about joining Medishare? See what it would cost for your family on Medi-Share: http://seedtime.com/2/medishare.php and if you join tell them we sent you and we will send you a $100 Amazon gift card. Just email me at [email protected] to let me know! (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: What is Medi-Share? How you can save hundreds, or even thousands, with this little known secret How to be healthier and save money at the same time 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 begin a new year, Linda and I are making 2023 the "Year of Wisdom." Because now feels like a great time to begin growing in wisdom…and we need it more than ever. Links Mentioned: DM us on Instagram - @SeedTime- https://instagram.com/seedtime These are a few of the topics we cover: How to invite God into finding your focus How to change how others perceive you What you can do daily to unlock the treasures of true knowledge Why Larry Bird was mocked by his teammates Why the Bible is known as the Living Bible The beneficial byproduct of seeking after wisdom It doesn't matter how wise you are right now, you can always get more wisdom 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.

Thursday, January 12th at 7:30p CST / 8:30p EST we are hosting a LIVE workshop to help you make 2023 your best financial year ever! Just visit https://seedtime.com/workshop to get enrolled INSIDE I'LL SHOW YOU HOW TO: Identify your biggest money savings opportunities to save $1k or more this year. Create your 2023 budget/savings plan And break it down into a simple, step-by-step 30-day checklist SO YOU CAN: Make progress towards your big financial goals in the next 30 days… In just 30 mins to an hour each day… And make 2023 your best financial year yet! And if you want to check out our New Years financial course bundle sale at 52% off you can find it here: https://seedtime.samcart.com/products/real-money---new-years-bundle We hope to see you there! And feel free to share this with any friends who should be there with us! 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.

So we are doing something we have never done before. We created a bundle of some key products in order to help you have the best financial year you have ever had in 2023. Oh and it is 52% off until Dec 11th! Check this link to see everything that is included: https://seedtime.samcart.com/products/real-money---new-years-bundle And if you are interested in having a financial audit done with me and having me build out a custom money saving plan for you to save at least $5k over the next year, please fill out this form: https://docs.google.com/forms/d/1_urF_E6C2Fe9FxfD4FhvckWSzMTY8czCRESpeKxAHdg/edit We are only opening 10 spots in January, so they will be first come first served. If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

The mindset between a business owner and an employee is very different. Both have pros and both have cons. Having been both (and now being a business owner) I've discovered that by tapping into my employee mindset, I can get focused on some things in a way that I hadn't thought of. Hopefully, this helps you! Links Mentioned: Simple Money, Rich Life -https://seedtime.com/smrl SeedTime's Bible reading plans on YouVersion - https://seedtime.com/youversion These are a few of the topics we cover: The problem with wearing "too many hats" The difference between owning a business vs being an employee How to know what is most important to focus on What if a stay-at-home mom was paid per job? The power of not having to live paycheck-to-paycheck How to "hire yourself" to accomplish your tasks You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/_9UleEtWeyo 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.

You probably think you know how much you earn per hour, but almost everyone is wrong. In this episode, we are walking through a simple exercise that'll show you what your REAL hourly wage is and I'll bet it is nowhere close to what you think it is. Armed with this info, you might just find that it'd be cheaper to stay home with the kids than it is to send them to daycare, or maybe you can retire sooner than you thought, or any number of other things. This was originally recorded as a video so you might find it more helpful to watch the video here: https://youtu.be/Votlrg_fcSU Links Mentioned: Your Money or Your Life by Joe Dominguez and Vicki Robin - https://amzn.to/3WmjFeh How to save money on car depreciation - seedtime.com/save-money-on-car-depreciation/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: How much time do you spend "working" without pay, outside of working hours? How much does it cost you to work (i.e. your car, gasoline expenses, wardrobe, etc.)? Are there expenses that you are paying others to do, that if you had more time, you would perform yourself? Are there foods you buy because you are too tired to cook dinner? Do you have escape entertainment or vacations you take part in that you wouldn't if you didn't have a stressful job? Are there childcare expenses that could be avoided without your job? What are the benefits and perks of staying at your job? Where is God leading you when it comes to where to work? You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/qBEOrOWtltI If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Are you facing a huge challenge right now? I happened to grab the classic devotional "Streams in the Desert" (https://amzn.to/3Nvg36x) off my shelf and was reading October 29th's entry. This short entry blessed me immensely. Just knowing that there is a purpose in the struggle is incredibly encouraging. It is comforting knowing that in the midst of the heat, and even when it feels unbearable, God is sitting right there with us. And that He is carefully making sure that the heat is removing the impurities and allowing us to be made pure and holy so that we better reflect His glory. If you are in the heat right now, know that God hasn't left you, but that He is nearby and doing a work that will leave you stronger and more precious. Links Mentioned: Streams in the Desert devotional - https://amzn.to/3Nvg36x PDF Prayer for Finances - https://seedtime.com/prayers-for-finances/ DM us on Instagram - @SeedTime - https://instagram.com/seedtime These are a few of the topics we cover: The purpose in pain How to draw nearer to God through your struggle What are you using as a distraction from turning to God in desperate situations? Fighting battles in the financial arena You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/LNCOiyJe34Y 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 are going to take you through 11 financial questions that you must ask BEFORE getting married. And even if you are already married, this would be a great episode to go through with your spouse. But 100%, without a doubt, if you know anyone engaged or wanting to be engaged, make sure to send this to them! Links Mentioned: Download the PDF with the 11 financial questions you must ask: https://seedtime.com/engaged Article from Market Watch - https://www.marketwatch.com/story/this-common-behavior-is-the-no-1-predictor-of-whether-youll-get-divorced-2018-01-10 Article from Ramsey Solutions - https://www.ramseysolutions.com/company/newsroom/releases/money-ruining-marriages-in-america 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 found this clip of Grant Cardone saying that "no one should ever own a home." And, I found some of what he was saying eye-opening. Also, if you need a few ideas to help you get your house paid off quicker - check out a blog post we put together a while ago with 4 tips to help you get it paid off faster... https://seedtime.com/pay-off-your-mortgage-early/ Links Mentioned: Grant Cardone clip - instagram.com/reel/CkBMryapXhi/ Crystal Paine (aka Money Saving Mom) Podcast Episode - https://.libsyn.com/episode/index/id/19038101 Free recession survival guide PDF - https://seedtime.com/recession/ Simple Money, Rich Life - https://seedtime.com/smrl These are a few of the topics we cover: Have homeowners been "fooled" by banks? How much are you REALLY paying for your home? Where did this idea that we all should own homes come from? Owning a home can be a great hedge against inflation The goal you should accomplish ASAP as a homeowner You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/AZSSCgGp-3A 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 episode is based off of a simple but powerful article we read by Paul Graham, where he argues that we are all missing out on so much potential because we have the wrong thoughts at the top of our mind. I read this and was convicted to re-calibrate my thinking to do this right. We hope you find this as helpful as we did! Links Mentioned: Article mentioned: The top idea in your mind by Paul Graham - https://[aulgraham.com/top.html Our Podcast episode on secondary tasks: htttps://seedtime.com/devo-grow-your-business-ministry-etc-with-this-biblical-secret/ These are a few of the topics we cover: When your mind wanders, it's problem solving Your attention goes to what you're focusing on How to get rid of the insignificant to focus on the priority The unfair advantage that believers have What is at the top of your mind? Finding your solutions in God and from the Bible Knowing your role, and what is not your role Why you never want too much focus on money Why It's not the position that matters, it's the function You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/B5wgPo-ok4g 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 talking about the one simple life hack that we extracted from the Bible regarding giving. Being completely honest with you I (Bob) used to hate giving and never did it cheerfully, but this simple hack has helped me fall in love with giving. It's been a game-changer for us and we know it will be for you too! Links Mentioned: Simple Money, Rich Life - https://seedtime.com/smrl These are a few of the topics we cover: How to decide the amount you should give Navigating your feelings around giving The Apostle Paul's money lessons to the church Why you need a separate giving account Why we need to error on the side of giving more Jesus' prescription for the love of money You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/W78EmOTSNdU 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 marriage experts Dave and Ashley Willis (hosts of the Naked Marriage podcast). And todaywe are discussing the 2 hardest topics in marriage to talk about: Sex and Money. Links Mentioned: The Naked Marriage Podcast - https://xomarriage.com/podcasts/the-naked-marriage/ The Ministry, XO Marriage - https://xomarriage.com/ Their Instagram - @davidashleywillis https://www.instagram.com/daveandashleywillis/ The Naked Marriage Book - https://amzn.to/3Ba0YC3 These are a few of the topics we cover: Is it easier to talk about sex or about money in marriage? Why the church should be a go to source in learning about sex and money How to overcome money tensions in marriage Living beyond your means Being smart with your finances Communication in marriage Find out more at https://seedtime.com 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 is a brag on God and one of our students' moments where God just did something so cool in this woman's life that we just had to share. If you have a bunch of debt or know anyone who does, you have to listen to this one or share it. Let this be an encouragement and inspiration to you on your journey! Links Mentioned: True Financial Freedom class - https://seedtime.com/tff Simple Money Rich Life - https://seedtime.com/smrl (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why everyone should take our True Financial Freedom Class How to invite God into your financial situation What you can do to improve your finances How to handle debt, no matter the amount Why you should set a Net Given goal How to see God show up in your life Why we should be inspired by others victories Find out more at https://seedtime.com You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/QxV5ZvorsLY 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 just logged into my Fundrise account to see how much I was down now that we are unarguably in a recession, and I was blown away to see that even in the recession the Fundrise returns are WAY better than the S&P 500 this year. And then when you look at the Fundrise vs Reit returns you see the same thing - Fundrise is just crushing it right now. Links Mentioned Get started with Fundrise with as little as $10: https://seedtime.com/2/fundrise.php Get entered into our $1,000 giveaway: https://seedtime.com/1k 🚨 Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich's results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence. Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support! 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, Author Jay Fantom shares insights and lessons from 4 near-death experiences as well as his CAP method, which is a simple process to help overcome significant challenges that anyone can follow. Be sure to check out Jay's new book: "the path of an eagle" for more from him. Links Mentioned: ● Jay's book: "The Path of an Eagle" - https://amzn.to/3hPgUmz (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: ● Jays CAP method for overcoming challenges and adversity ● How Near-death experiences cause you to see the world differently ● How to learn to rely upon and trust God ● The fragility of life and cherishing every moment ● How to be encouraged when you are struggling ● How to begin replacing the negative with the positive ● Why pain is inevitable but suffering is optional ● Common traits of those who are better at overcoming difficulty ● Why you should see challenges as blessings Find out more at https://seedtime.com/ 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 looking at a Biblical 4-part framework you can use today to begin casting your financial cares (or really any cares) on the Lord. We need to remember that the Lord is our strength and he cares for us. So if you need encouragement, especially in your financial situation, you've come to the right place! Links Mentioned: ● Simple Money Rich Life - https://seedtime.com/smrl ● Secrets to Powerful Prayer by Lynne Hammond and Patsy Camenteti - https://www.amazon.com/Secrets-Powerful-Prayer-HAMMOND-LYNNE/dp/157399300X/ (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: ● The one thing I would never see Linda do ● My hack for a great co-working space ● Secrets to Powerful Prayer ● Prayer is not about getting what you want when you want it ● Casting your cares upon the Lord ● Asking God for what you want and being specific in prayer ● Thanking God for listening and caring for us ● Meditating on Scripture ● God is our provider and He cares for us ● Setting aside a time and place for God ● Handling your aggressions ● The one thing Linda would never see me do Find out more at https://seedtime.com You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel - https://youtu.be/Q1Dgdd6OvGU 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.