SeedTime with Bob and Linda Lotich

In this episode, Bob and Linda unpack spiritual habits found in Scripture that quietly shape financial outcomes—habits that have nothing to do with spreadsheets or hustle culture, but everything to do with becoming the kind of person money can be trusted with.   These aren't the usual "Christian money tips." They're deeper.   And once you see them, you can't unsee them.     🔑 What You'll Learn in This Episode Bob and Linda walk through 7 overlooked spiritual disciplines that directly affect how we earn, spend, save, and steward money: Why fasting trains your "no muscle"—and why self-control matters more than budgeting How integrity in the small things (the ones no one sees) protects your finances long-term The quiet power of choosing the right friends—and how the wrong voices shape your future Why wasting time eventually leads to wasting money (Ephesians 5:16) How rest, not grinding, invites God's provision (and why Chick-fil-A is a case study) Why gratitude shifts you from scarcity to abundance (1 Thessalonians 5:18) The biblical formula for prosperity and success most people skip (Joshua 1:8) Along the way, they share personal stories—from fasting and spending fasts, to integrity decisions that cost them in the moment but paid off long-term—and explain why God's math often looks different than ours.   📖 Scriptures Referenced (NLT) Matthew 6 2 Corinthians 9 Proverbs 13:20 Ephesians 5:16 1 Thessalonians 5:18 Joshua 1:8   📣 Share This Episode Know someone who's frustrated with their finances and feels stuck? Send them this episode—it might reframe everything.   Educational content only. This episode is not individualized financial advice.     Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lcpak8giDn4)! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Spiritual abuse around money almost made us stop giving altogether.   We've seen manipulation from the pulpit. We've witnessed leaders mishandle funds. We've felt the tension between honoring God and distrusting institutions.   And yet… we still tithe.   In this episode, Bob and Linda have an honest, nuanced conversation about why they chose not to let other people's failures steal something God wanted to use for their freedom. This is not a legalistic defense of tithing.   It's a heart-level conversation about obedience, trust, healing, and separating God's command from human hypocrisy.   If you've ever thought: "I don't trust where the money goes" "I've seen too much abuse" "Is tithing even for today?" "I want to honor God, but I'm conflicted" This episode is for you.   Key Scriptures (NLT) Proverbs 3:9–10 — Honor the Lord with your wealth Deuteronomy 8:18 — God gives the power to create wealth Matthew 6:33 — Seek first the Kingdom Luke 6:38 — Give, and it will be given to you 2 Corinthians 9 — Sowing and reaping with the right heart Matthew 23:23 — Jesus affirms tithing without legalism   Action Item for This Week Take 10 quiet minutes and pray this simple prayer: "God, what does generosity look like for me right now?" Write down what comes to mind. Don't rush it. Don't rationalize it. Just ask… and listen.   Don't let someone else's disobedience steal your opportunity to trust God. 👉If this episode helped you, share it with someone who's wrestling with giving—or spiritual hurt around money.   Gentle Disclaimer This episode is for biblical and educational purposes only and is not personalized financial advice. Pray, seek wise counsel, and follow the Holy Spirit's leading in your own giving decisions.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/0ECDgwsssrs)! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if the clearest wisdom for living well only shows up at the end of life?   After spending 15 years in hospice care, one nurse noticed a haunting pattern: when people are dying, the masks come off—and they all say remarkably similar things. Regrets.    Realizations. Truths they wish they'd acted on sooner.   In this episode, Bob & Linda unpack the 7 life lessons repeated again and again by people on their deathbeds—and how we can live differently now, without waiting for "someday." This isn't about morbid curiosity. It's about clarity.   "Teach us to number our days, that we may gain a heart of wisdom." — Psalm 90:12 (NLT)   What You'll Learn 1. "I should have loved more—and differently" Why winning arguments often costs us relationships—and how to choose kindness before it's too late. 2. Forgiveness brings freedom (even physical peace) Stories of people who couldn't let go… until their final moments—and why forgiveness may be more urgent than we think. 📖 Matthew 6:14–15 (NLT) 3. Presence is the greatest gift you can give Why distraction is the modern disease—and how being fully present matters more than anything you can buy. 4. "I saved my joy for later… and later never came" The trap of someday living, money, and the tension between saving wisely and actually enjoying life. 5. The best things in life were free Dying people didn't miss achievements or possessions—they missed ordinary moments they were too busy to notice. 6. Regret comes from what you never tried Why people don't regret failure—they regret playing it safe and never starting the thing. 7. Peace comes when you stop pretending What happens when image management finally falls away—and how to live with that freedom now.   "Don't wait until your last breath to live free—start today." 👉 If this episode helped you, share it with someone you love and leave a review—it helps more people find the show.   Educational Disclaimer This episode is for biblical encouragement and general financial education—not personalized financial advice. Always seek wise counsel for your specific situation.     Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/J43rtDyLzEs)! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In today's episode, Bob & Linda explore one of the most overlooked spiritual tests in the Christian life: how to stay dependent on God in the midst of blessings. Drawing from Joshua 11, they unpack the strange moment where God tells Israel to hamstring the horses and burn the enemy's chariots—the ancient equivalent of destroying tanks after a battle. Why would God command that? Because victories can be just as spiritually dangerous as trials. Through personal stories—from unexpected financial provision, to early blogging years, to painful seasons of health challenges—Bob & Linda reflect on how easy it is to place trust in the "chariots" of modern life: savings accounts, credit cards, systems, friendships, therapy, comfort, or even spiritual routines. This episode is an invitation to ask the Holy Spirit: "What chariot in my life have I started to rely on more than God?" It's a vulnerable, practical conversation about dependence, provision, and the subtle ways our security can shift from the Lord to the blessings He provides. (Scripture from NLT.)   Big Takeaways God sometimes blesses us with success—but the real test comes after the victory. "Chariots" today can be anything we lean on before we lean on God—money, strategies, credit cards, relationships, even good systems. Joshua's obedience protected Israel's dependence; Solomon's disobedience eroded his. Trusting God doesn't mean rejecting tools—it means refusing to let tools replace Him. Obedience may feel costly, but it leaves room for God's provision to be unmistakable.   Key Scriptures (NLT) Joshua 11 — God commands Israel to cripple the horses and burn the chariots. Psalm 20:7 — "Some nations boast of their chariots and horses, but we boast in the name of the Lord our God." Deuteronomy 17:16 — Instruction to future kings not to store up horses. Matthew 14 (referenced) — Jesus' exhausting day of grief, ministry, feeding the 5,000, walking on water, and praying through the night.   Highlighted Quotes from the Episode "Getting the blessing is one thing—keeping God at the center is another." "Some victories make you feel strong. God wants you to stay dependent." "You can have a blessed life and still miss what God is trying to form in you." "You're not called to trust the tool—only the One who provides it." "Ask the Holy Spirit: What chariot am I still holding onto?"   Timestamps 00:00 — The surprising test after a breakthrough 02:00 — Why did God tell Joshua to burn chariots? 04:15 — Dependence vs. self-reliance when life is going well 06:30 — Modern "chariots": money, comfort, systems, relationships 10:00 — A real inheritance story: when provision can become a trap 11:00 — Bob's personal story: the blog, losing his job, and losing their "income lifeline" 13:30 — How challenges can strengthen faith more than comfort 15:00 — Jesus' exhausting day: grief, ministry, storm 17:00 — Joshua vs. Solomon: a tale of two responses 20:00 — Is God asking you to lay something down? 25:00 — Guided prayer: "Lord, show me my chariots" 26:30 — Final verse + encouragement   Weekly Action Item Ask the Holy Spirit to reveal ONE "chariot" in your life—a place where you've subtly shifted trust from God to a tool, resource, or comfort. Write it down and pray: "Lord, show me how to surrender this and depend on You again."   CTA If you want help building money systems that support your trust in God rather than replace it, visit our SeedTime Money Resources Page for our latest guides and tools.     BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/4bPH1z_soAs! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Jesus said, "Don't let your left hand know what your right hand is doing."   But does that really mean Christians should never talk about giving?   In this episode, Bob and Linda tackle one of the most misunderstood passages in the Bible—and why misreading it has quietly hurt generosity, discipleship, and spiritual growth in the church.   Sparked by a viral clip referencing Matthew 6, they walk through what Jesus was actually addressing (motive, not visibility), why public generosity shows up all over Scripture, and how sharing testimonies—when done with the right heart—can inspire radical obedience in others. This isn't about bragging.   It's about obedience, clarity, and letting God get the glory.       What You'll Learn in This Episode Why Matthew 6 is about motive, not secrecy How applying "give in secret" consistently would silence prayer and testimony too The difference between generosity that inspires vs generosity that performs Why public generosity is everywhere in Scripture (Barnabas, the Macedonian church, Zacchaeus, the widow's mite, Mary anointing Jesus) How generosity becomes contagious when stories are shared Practical ways to check your heart before sharing a testimony When God says "share it" — and when He says "keep it quiet"   Key Scriptures Mentioned (NLT) Matthew 6:1–4 — Giving with the right motive Acts 4–5 — Barnabas vs. Ananias & Sapphira Luke 19:8–9 — Zacchaeus' public repentance and generosity 2 Corinthians 8–9 — The Macedonian church & contagious generosity   A Key Takeaway God isn't after secrecy for secrecy's sake. He's after hearts that give for His glory, not human applause. Some generosity should be quiet. Some testimonies are meant to be shared. The wisdom is knowing the difference—and having the courage to obey either way.     Action Item for This Week Ask God one simple question in prayer: "Is there a generosity story You want me to share—or one You want me to keep private?" Then obey, even if it feels uncomfortable.     Generosity isn't about being seen—it's about letting God be seen. 👉 If this episode helped clarify something you've wrestled with, share it with a friend who needs this conversation.     Disclaimer: This content is for educational and spiritual encouragement only and is not individualized financial advice. Always pray and seek wise counsel as you apply biblical principles to your own life.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/en12Gf9uDCU)! If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Most of us were taught that faith means "trying really hard to believe" — especially with our finances. But in the Bible-study-style episode, Bob & Linda unpack Hebrews 11, Romans 10:17, and Jesus' "abide" teaching to reveal a surprising truth: 👉  Biblical faith isn't mustered. It's received. And once you see that, anxiety shrinks, striving stops, and finances shift. Join Bob & Linda as they walk through their own misconceptions about faith, why effort-based Christianity wears us out, and how to let God grow real, evidence-bearing faith in your financial life. This one is equal parts devotional, Bible study, and super pracitical conversation. What We Cover Why "trying harder to have faith" never works What Hebrews 11 actually teaches about faith as "evidence" Linda's family devotions and how teaching Scripture unlocks new revelation The surprising connection between faith, abiding, and legal authority in Scripture How faith grows (and why it's not through willpower) Why community + hearing the Word matters What Noah, Sarah, and Abraham teach us about doing hard things "by faith" How to apply faith to money without resorting to wishful thinking Why budgeting, paying bills, and taking small obedient steps are acts of faith How to pray Scripture over your finances when you feel uncertain   Key Scriptures (NLT) Hebrews 11:1 — "Faith shows the reality of what we hope for…" Romans 10:17 — "Faith comes from hearing, that is, hearing the Good News…" Psalm 46:10 — "Be still and know that I am God." John 15 — Jesus' teaching on abiding James 1:22 — "Be doers of the word, not hearers only."   Memorable Moments "If faith is evidence, it can't originate from me." "Abiding produces fruit — not effort." "Sometimes the faith God gives you feels like hope… but with legs." "Faith without works is dead — but striving isn't a fruit of the Spirit."   Practical Takeaways Immerse yourself in Scripture and let God give you faith rather than trying to manufacture it Look for the "tiny mustard seed" God is already giving you Identify one Scripture that keeps getting highlighted — that may be where God wants you to act Don't avoid financial decisions out of fear; small steps are how faith grows Teach what you're learning (to kids, friends, spouse) — it expands revelation    Resource Mentioned   📘 Prayers for Finances (Free PDF) — Scripture-based declarations to build faith in your money life. Grab it at: SeedTime.com/prayer   Episode Takeaway You don't need more willpower — you need to abide, hear the Word, and act on what God gives you. Faith grows where striving stops. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).     If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Today, Bob & Linda open up about one of the hardest seasons of their marriage — a months-long battle over a life-altering decision that left them in tears, confusion, and deep disunity. What they learned in that painful stretch has become the backbone of how they help couples navigate money disagreements today… especially when one spouse feels called by God to give and the other isn't on board. If you've ever wrestled with:"What do I do when I feel God nudging me to give — but my spouse isn't there?"…this episode will minister to you deeply. Together, they unpack four biblical principles for staying unified, honoring God, and discerning His timing — without forcing agreement or abandoning conviction.   KEY TOPICS COVERED ✔️ The Lowe's Parking Lot BreakdownBob shares the raw story of the only moment he thought their marriage might not make it — and how God used that season to refine both of their hearts. ✔️ Why the enemy always pushes "either/or" thinkingAnd how God always has a third option you haven't seen yet. ✔️ What to do when you feel called to give… and your spouse doesn't.A practical, grace-filled approach that protects unity and honors conviction. ✔️ The timing principle: when a word from God is real, but not for right now. A simple budgeting tool that can reduce giving conflicts instantly:Using individual "spending money" accounts without hiding money. ✔️ How to pray when you're frustrated, angry, or absolutely sure you're right.(With two real prayers Bob & Linda actually use.)   SCRIPTURES MENTIONED (NLT) James 1:2–5 — Endurance, wisdom, and the refinement of trials. Romans 8:28 — God working all things for good. Ephesians 5 — Mutual love and honor in marriage. 1 Peter 5:7 — Cast your cares on Him. THIS WEEK'S ACTION STEP Set aside one night to pray. Don't solve the issue. Don't debate it. Simply pray for unity, wisdom, and softened hearts — together if possible. If your spouse is not a believer or unwilling: Pray alone and gently reaffirm to them, "I'm not going to move forward without your blessing." Then… go on a date. Restore friendship first.     ABOUT SEEDTIME MONEY Bob & Linda Lotich help Christians transform their finances through biblical wisdom, simple systems, and a heart for generosity. Follow for practical steps, honest stories, and hope-filled conversations about money & purpose. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Everyone online makes entrepreneurship look like the ultimate path to freedom—but the truth is far more complicated. After 18 years of building SeedTime, Bob & Linda open up about what most people never say out loud: the failures, the mental load, the pivots, the spiritual battle, and why starting a business isn't automatically God's will for everyone. If you're dreaming of quitting your job… or you already have a business and feel the weight of it… this honest, hope-filled conversation will help you discern your next step with wisdom, peace, and biblical grounding. What We Cover Why 95% of their entrepreneurial attempts failed (and why that's normal) The truth behind "being your own boss" (spoiler: you still have bosses) The 87% mental-health struggle rate among founders How social media romanticizes entrepreneurship—and how Christians should see it differently When hating your job doesn't mean God is calling you to start a business What Scripture actually teaches about work, calling, and servanthood How prayer sustained SeedTime (including years of praying daily over the book) Why purpose—not profit—is the only sustainable fuel for entrepreneurs The friend who lost everything building a business… only to discover God's better plan in a "regular job" The role of humility, long checklists, and constant pivots in real-life entrepreneurship   Scripture Mentioned (NLT) Colossians 3:23 — Work willingly as though working for the Lord. Mark 10:44 — "Whoever wants to be first must be the servant of all."   Who This Episode Is For ✓ The employee dreaming of quitting a job they hate ✓ The entrepreneur who feels tired, discouraged, or unseen ✓ The Christian wrestling with calling, purpose, or career direction ✓ Anyone wondering, "Is entrepreneurship really for me?"     Share This Episode Know someone wrestling with career decisions or dreaming about starting a business? Send this their way—they'll thank you later. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide. 

Pastor and bestselling author Mark Batterson joins Bob to unpack one of the most misunderstood principles of growth: the way breakthroughs actually happen—gradually, then suddenly. From Warren Buffett's compounding to Jim Carrey's famed $10M check, to the long arc of ministry, writing, generosity, and family life, this conversation is a hopeful reset for anyone who feels "behind."   In This Episode Why most "overnight success" stories take decades What 95-year-olds say they would do differently (and how it should change our lives today) The "25-year time machine" mindset that makes ordinary moments priceless Why young adults often underestimate what God can do in 10–20 years How Mark pastors a church with seven properties and zero debt — and the long-term mindset behind it Turning your church "inside out": how NCC generates $2M/year through marketplace engagement The hidden power of giving goals (and the difference between getting vs. giving goals) The surprising truth about Buffett's wealth: it's not returns… it's time Mark's take on grand gestures, faith steps, and why God honors long obedience Bob's story of writing a 5-year giving goal that seemed impossible—and what God did What to do when your dream is taking way longer than you thought   Key Quotes "You'll overestimate what you can do in two years and underestimate what God can do in ten." —Mark Batterson "Faith is taking the first step before God reveals the second." —Mark Batterson "The greatest risk is taking no risks." —Mark Batterson "We decided to do a ten-year book launch. Let's give it a decade and see if it's any good." —Bob Lotich Timestamps 00:00 — Why get-rich-quick thinking never works 01:00 — Introducing Mark Batterson & the story behind Gradually, Then Suddenly 02:00 — What 95-year-olds regret most 04:00 — The "25-year time machine" for parenting and life 05:00 — Why we plan vacations better than our futures 07:00 — The power of long-range thinking (and why it's so rare) 08:00 — Why most people quit right before the breakthrough 10:00 — Bob's 10-year book launch strategy 12:00 — Early results vs. long obedience 14:00 — The myth of the fast start: Circle Maker sales + slow beginnings 16:00 — Teaching a generation to love "gradually" 19:00 — Mark's 29-year pastoral journey and miraculous property story 21:00 — Why NCC's venue generates $2M/year 24:00 — What church leaders can learn from marketplace strategy 28:00 — Jim Carrey's $10M check and the power of a grand gesture 29:00 — Bob's five-year giving goal that changed everything 32:00 — How giving goals open doors for God to move 34:00 — What to do with dreams that are taking too long 35:00 — Closing encouragement + where to get the book   Resources & Links Mark Batterson's new book: Gradually, Then Suddenly The Circle Maker by Mark Batterson Psychology of Money by Morgan Housel Perennial Seller by Ryan Holiday   If You Enjoyed This Episode Please leave a rating & review — it helps more people discover the show and live with biblical wisdom about money, purpose, and calling. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this tender, emotional episode, Bob and Linda open up about a simple idea that completely reframed how they parent: the "$50,000 Moment." It started with a story Bob read — one so moving he couldn't finish it without crying — about a dad who imagined paying $50,000 to relive a single bedtime with his 10-year-old. That thought experiment changed him, and now it's changing the Lotich household too. If you're a parent (or even if you aren't), this episode will recalibrate how you see the people in your life and remind you of the beauty tucked into ordinary days.   In This Episode: The story that made Bob stop checking the clock at bedtime Why we forget the voices of our kids at different ages The biblical wisdom behind remembering the brevity of life How to recognize "$50,000 moments" in real time Why presence is a discipleship practice—not a personality trait What Jesus and Mr. Rogers both modeled about "holy slowness" How this principle applies to more than kids A tender story about Bob's uncle and what it taught him about presence Scripture Mentioned (NLT): Psalm 90:12 — "Teach us to realize the brevity of life, so that we may grow in wisdom." Key Takeaways: You won't realize the value of a moment until it's gone. Bob shares how he can no longer remember what his now-11-year-old sounded like as a six-year-old—and how that realization hit him like a ton of bricks. Future you would pay anything to get today back. The "time-machine thought experiment" reframes bedtime, routines, and interruptions as priceless opportunities. Presence is a form of love—and discipleship. Looking at the way Jesus interacted with people, we see an invitation to slow down and be with those around us. This isn't just about kids. Parents, friends, coworkers, church community members—none of us are guaranteed another moment together. You don't have to create regrets. You can create reminders. Bob calls them $50,000 moments—a cue to pause, breathe, and fully engage.   Practical Ways to Apply This: Ask yourself during ordinary moments: "If I had to pay to relive this, how much would I spend?" During bedtime or stressful transitions, picture your 80-year-old self watching. Treat others—kids, friends, the barista, the bus driver—as people God placed in your path today. Practice the "Fred Rogers pause": give full attention to whoever is in front of you.   Links & Mentions: Gradually, Then Suddenly by Mark Batterson Let's Retire Retirement by Derek Coburn   Share This Episode If you know a parent in the thick of it, or someone who needs a reminder to slow down and savor what matters—send this to them.     Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/NxkG0_o62-0)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Just a 4-minute little reminder today! What if one short, 29-word sentence from the Bible could shift the atmosphere in your home, change how you see your finances, and remind you that God Himself has placed His name on you? In this episode, Bob & Linda dive into the Aaronic blessing from Numbers 6 — a prayer that God commanded to be spoken over His people. You've probably heard it before, maybe even sung it in church, but chances are you've never fully realized its power in your daily life 📖 Scripture highlight: "May the Lord bless you and protect you. May the Lord smile on you and be gracious to you. May the Lord show you His favor and give you His peace." (Numbers 6:24–26, NLT) 💡 This week's action step: Speak the Aaronic blessing out loud once a day—over yourself, your family, or your finances. Notice how it shifts your mindset and brings peace.   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."     

In this episode, I sat down with PJ Vescovi — financial advisor, pastor, and author of The Great Money Reform — and this one's going to challenge you in the best way possible. We dove deep into the 5 keys to being a truly good steward, not just in theory, but in daily decisions. PJ's insights are fire — especially his stories around radical generosity, godly work ethic, and the real reason you're not walking in financial freedom.  This isn't your average money conversation. This is faith, finance, and focus colliding in a way that'll leave you rethinking how you spend, give, invest, and even parent.   If you've ever asked: "How do I know if I'm being obedient with my money?" "Am I managing my finances with intentionality, or just winging it?" "Why is God calling me to give something that doesn't make sense financially?" Then this episode is your blueprint.  Resources & Links Mentioned: PJ Vescovi's book: The Great Money Reform — https://amzn.to/4qOTuN0 Necessary Endings by Dr. Henry Cloud — http://amzn.to/3XMPfA0 Atomic Habits by James Clear — https://jamesclear.com/atomic-habits Get our award-winning book Simple Money, Rich Life — http://seedtime.com/free     Let's be a generation that stewards well — not just for ourselves, but for the Kingdom.   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/pCExM8e7A18)!   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

71% of Americans admit they're losing sleep over money—but Jesus already gave us the cure in the most famous sermon ever preached. In this episode, Bob and Linda unpack the surprising connection between mammon, anxiety, and misplaced treasure—and share the one simple prayer that can break financial fear and open the door to God's peace and provision. They walk through Matthew 6:19–34, revealing how birds and lilies understand something most believers forget: your value isn't in what you own—it's in who owns you. What You'll Learn: The hidden link between serving mammon and constant money stress Why Jesus' words in Matthew 6 are a direct cure for financial anxiety The "treasure principle" that keeps peace and provision flowing How comparison steals your provision (and how to stop) A practical, Biblical step you can take today to renounce financial fear Scripture References (NLT): Matthew 6:19–34 — "You cannot serve both God and money." Philippians 4:6–7 — "Don't worry about anything; pray about everything." Genesis 8:22 — "Seedtime and harvest will never cease."   Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/BkqokuEOHM8)   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.   

What if the greatest danger in our giving isn't how much we give—but why we give? In this episode, Bob and Linda unpack one of the most shocking stories in Acts 5: the tale of Ananias and Sapphira. Why did God respond so severely—and what does it reveal about our own struggles with wealth, legacy, and generosity? Together, we wrestle with the tension between leaving an inheritance (Proverbs 13:22) and practicing radical generosity (Acts 4, Matthew 6:33). You'll hear how this tension has played out in our own finances, and we'll share a 4-part framework to help you align your money with God's priorities—without guilt, fear, or legalism.   What You'll Learn in This Episode: Why the story of Ananias & Sapphira still convicts believers today. The hidden danger of looking generous versus being generous. How Barnabas modeled the right heart posture in giving. 4-part biblical framework for wealth + generosity: Provide, Preserve, Prioritize, Pivot. Practical questions to evaluate your heart when it comes to money   Scripture Anchors (NLT): Acts 5:1–11 — The sobering story of Ananias & Sapphira. Proverbs 13:22 — "Good people leave an inheritance to their grandchildren…" Matthew 6:33 — "Seek the Kingdom of God above all else…" 1 Timothy 5:8 — "Those who won't care for their relatives… have denied the true faith."   Listen & Share: If this conversation challenged you, would you share it with a friend? Let's normalize radical obedience and kingdom generosity in today's world. Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/_AonHZ0jWnk)   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot. Bob & Linda share how they're teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life. You'll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between "nudging" kids toward giving vs. letting them choose it themselves. By the end, you'll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them. What You'll Learn in This Episode: Why teens are often afraid to "launch" financially—and how to help A simple way to adapt the Real Money Method for high schoolers How to teach kids to give, save, and spend wisely (10/10/80 rule) Practical tools: using Greenlight cards and starter investment accounts The debate: should we require kids to tithe, or let them choose? How just a few early investing years can radically change retirement Key Scriptures Mentioned: "The borrower is servant to the lender." (Proverbs 22:7, NLT) "Wherever your treasure is, there the desires of your heart will also be." (Matthew 6:21, NLT) "The generous will prosper; those who refresh others will themselves be refreshed." (Proverbs 11:25, NLT) Resources & Links: Learn more about the Real Money Method → seedtime.com/realmoney  Explore Greenlight debit cards for kids → seedtime.com/2/greenlight.php Our 10x Investing Course for teens & adults → seedtime.com/investing    Action Step This Week: If your teen has income—whether it's $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.   Subscribe & Review: If you enjoyed today's episode, hit subscribe so you don't miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-3g3ym6JndI)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Over the last few weeks, there's been so much talk about the Charlie Kirk tragedy. But as I've listened to all the commentary, I realized—no one's talking about this. We didn't want to make another video about what happened. We wanted to talk about what Jesus actually modeled when something unthinkable happens… and how that applies to us right now. This episode honestly challenged both of us deeply. It's one of those conversations where you feel the tension between what feels fair… and what faith actually calls us to do. We're not trying to debate headlines. We're just asking—what does it look like to follow Jesus when it really costs something? Episode Takeaway: It's easy to pray for victims. It's supernatural to pray for the ones who caused the pain. But that's exactly what Jesus modeled—and when we do, we invite heaven into places the world wants to keep dark. Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/-wbON8CU8gU)   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." 

Most people think wealth is about earning more. The truth? It's about the patterns you repeat every day. In this episode, we break down 10 specific patterns that predict whether you'll be broke or wealthy 10–20 years from now. These aren't obvious mistakes like "don't buy lattes." They're subtle, sneaky habits that quietly lock people into financial struggle… or quietly compound into freedom. Here's what we cover: Why overspending on status is a trap (and what to do instead). How shopping without a list bleeds your bank account. The single most profitable investment you'll ever make (and it's not the stock market). Why living in the wrong location costs more than you think. The mistake of copying successful people at the wrong season of their life. This is the episode I wish every 20- and 30-something could hear. But truthfully, even people in their 40s and 50s are still making these mistakes. Resources Mentioned: Mission-Driven Millionaire Program (our coaching) → https://seedtime.com/mission-driven-millionaire/  VidAngel (content filtering platform) 1 Month FREE trial → https://seedtime.com/vidangel 👉 If you found this valuable, share it with a friend, drop a comment, and subscribe. Let's break the broke patterns together.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/2gGSV37k5_w)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This episode hit me hard. We cracked open 2 Kings 4—the story of the widow, her debt, and the jars of oil—and I realized it's not just about a miracle… it's about God's system for provision. Most of us pray for breakthrough but miss the order: 👉 Ask 👉 Obey 👉 Sell (work the miracle) 👉 Pay debt 👉 Then live on the overflow The widow didn't just receive money from heaven. She started what might be the first side hustle in the Bible. And her story shows us exactly why so many of us feel like God's provision "isn't working." Here's what we unpack in this conversation: The hidden business model inside the miracle of the oil jars Why saying "I have nothing" blinds you to God's multiplication The danger of skipping God's order for provision How our own story of business + debt mirrors the widow's The mindset shift that turns small resources into abundance If you've ever wondered why God seems to bless others but not you, this episode may flip everything you believe about money and miracles upside down.   Resources & Mentions: Bible passage: 2 Kings 4:1-7 Book reference: Communicating for a Change by Andy Stanley → http://tinyurl.com/comm-for-a-change Our debt freedom story & resources → https://seedtime.com More episodes on biblical finance → https://seedtime.com/podcast   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/sW8cBM0EmkI)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.  

Money advice is everywhere. But not all of it sticks. In this episode, Linda and I unpack seven pieces of financial wisdom a friend of mine shared that literally changed his life. Some came from mentors, some from experience, some from mistakes—but all of them can save you years of stress and struggle. By the end of this episode, you'll walk away with practical steps and timeless wisdom to reframe how you see money—so you can stop stressing and start stewarding.   Resources & Mentions: Joshua Becker's blog: https://www.becomingminimalist.com The Real Money Method course: https://seedtime.com/rmm Mission Driven Millionaire program (for students): https://seedtime.com/mission-driven-millionaire 👉 Now it's your turn: what's the best piece of financial advice you've ever received? Drop it in the comments—we'd love to hear!   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/KpOeTnM25fg)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Pride is sneaky. It hides behind our success. It masks itself as "spiritual maturity." It even whispers, "Look at how humble you are." And if we're not careful, pride will be the very thing that takes us out. In this episode, Linda and I unpack a conversation with John Bevere that completely reframed how I see wealth, success, and following Jesus. We dive into the #1 thing that's quietly destroying successful Christians — and why humility isn't just a virtue, it's survival.   Here's what we cover: Why King Uzziah's downfall in the Old Testament still matters for every Christian leader today. How pride and religion work together to blind us spiritually. The surprising way the Apostle Paul grew more humble the more successful he became. My personal story of making more money than ever in 2015 — and how pride almost derailed me. 3 red flags that tell you success might be leading you away from God instead of toward Him. The one prayer I now pray regularly to keep my heart in check as we pursue wealth for kingdom impact.   If you've ever asked yourself: How do I grow in success without letting pride creep in? …this episode will shake you up in the best way possible.   Resources mentioned in this episode: John Bevere – Author, speaker, co-founder of Messenger International → http://messengerinternational.org  Conversation with Lecrae + John Bevere (referenced in this episode) → https://www.youtube.com/@johnbevere  The Bible – Isaiah 6, 2 Chronicles 26, Philippians 2–3, Matthew 5:16 Andy Stanley's "Communicating for a Change" (referenced framework for clarity) → https://amzn.to/3BzOLgS  Quote: "You can't serve God and money. But you can serve God with money." Bob's teaching on Mission-Driven Millionaires → https://seedtime.com    👉Whether you're already leading at a high level or just beginning your wealth-building journey, this episode is a sober reminder: success without humility is a setup for destruction.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/5QB0l85R-CE)!   BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime). If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.