SeedTime with Bob and Linda Lotich

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.     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.

We thought our story was set. For 13 years, we gave our age as a percentage of our income. It became who we were. People knew us as that couple. Our mortgage was paid off in 10 months. We wrote books about it. We spoke on stages about it. We shared the miracle everywhere. And then—God asked us to stop. This episode is not about numbers. It's about obedience. About what happens when the thing God once asked you to do becomes an idol. About the courage it takes to release your identity and follow Him into a new season. Here's what we cover: The story of giving our age, and the miracles we saw. Why it was harder to stop than to start. How God shifted us from radical giving to radical saving. The danger of clinging to formulas instead of clinging to God. The system we built from this new season (and why it might change the way you think about money forever). This isn't a "how-to." It's an invitation. Ask God: What do you have for me now?   Resources mentioned in this episode: Simple Money, Rich Life (our book): Simple Money, Rich Life (The Book) True Financial Freedom Program: True Financial Freedom | Christian financial class for churches Mission Driven Millionaire Program: Mission Driven Millionaire 2 Corinthians 8–9 (Generosity passages, NIV): Bible Gateway passage: 2 Corinthians 8-9 - New International Version   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/k_AjnAwFzl4)!     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 was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home. Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it.  In this episode, we break down 10 money wasters that sneak into your life: If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.   Resources Mentioned in this Episode: Simple Money, Rich Life (Free Copy Offer): https://seedtime.com/free Visible Wireless (cell phone savings vs. Verizon): https://www.visible.com eBay (find quality used items): https://www.ebay.com Facebook Marketplace: https://www.facebook.com/marketplace HSA & FSA info (IRS guide): https://www.irs.gov/publications/p969   We'd love to hear from you! Email us at bob@seedtime.com or linda@seedtime.com with the money wasters you've spotted in your own life.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/gxz9X4MuJSc)!   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 being "too good" at saving and stewarding money is actually holding you back from obedience to God? In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would've called it foolish—but their "irresponsible obedience" led to one of the most important divine encounters of their lives. We'll unpack: Why sometimes God asks us to spend more instead of saving more How to know the difference between your desires and the Spirit's leading Why true stewardship is less about your wisdom and more about your obedience Three practical questions to ask when you sense God nudging you to spend beyond reason If you've ever wrestled with the tension between "wise stewardship" and radical obedience, this conversation is for you.   Resources Mentioned: Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free) NeeDoh Stress Cubes (yes, our new team obsession 😂) → https://www.schylling.com/brand/needoh/ SeedTime Courses & Community   👉Share this with someone who needs the reminder that obedience always outweighs "responsible" stewardship.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Z5pHkOGfcco)!   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.  

We almost missed out on an $8,000 furniture set for just $1,000 — because of one dangerous mindset: "You get what you pay for." This episode isn't really about chairs — it's about how this deeply ingrained belief system can keep us from receiving what God wants to lavish on us. Grace, provision, salvation — none of them came because we "paid enough." And if we don't learn to think differently, we may keep scrolling right past the blessings God has for us. We dive into: The Restoration Hardware deal that exposed this limiting belief Why the Kingdom of God doesn't follow "earthly" formulas How to discern between scams and supernatural provision The mindset shift that could unlock the next level of your life How curiosity (not fear) positions you to receive   And yes, we get real about marriage, furniture, and being shrewd with money — all while staying Kingdom-focused.   👇Resources we mentioned: Our book: Simple Money, Rich Life — Get a free copy (just cover shipping): http://seedtime.com/free Facebook Marketplace — Yes, really. This episode proves it's worth another look. Bible reference about being "wise as serpents, innocent as doves" — Matthew 10:16   Join us as we tear down the limiting beliefs that hold back abundance — not just financial, but spiritual, emotional, and relational.   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(LINK NEEDED)!   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, we're telling the full, raw, and unfiltered story of how one joking sentence I said over a decade ago blocked something we'd been praying, fasting, and believing for: a child. After 9 years of waiting, trying, and wondering, the Holy Spirit revealed something that shifted everything — not only for our family, but also for how we see our words, faith, and even finances. Here's what we cover: The exact prayer that broke a 9-year block (and how quickly God moved after) Why your words matter more than you think — especially in areas like money, health, and family How we unknowingly came into agreement with lies — and what the Bible says about this Why asking God what you've agreed with might be the most important thing you do today How this idea translates to your financial situation and mindset Whether you're struggling with finances, waiting for a promise, or wondering why certain things never seem to break through — this episode is for you.   Try This: After listening, ask the Holy Spirit: "Is there anything I've come into agreement with that I need to come out of?" Mentioned Resources: Our book: Simple Money, Rich Life — Get your free copy here: http://seedtime.com/free Scripture References: Proverbs 18:21 Mark 11:23 James 4:3 John 15:7 Romans 10: Ezekiel 17 1 John 5:14-15 Philippians 4:6   Want to go deeper? Join our newsletter & get weekly encouragements on faith + finances: http://seedtime.com/newsletter    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/hBp9kr-ShPg)!   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 hardest thing you're walking through right now is actually where God is working the most - even when you can't see it? A few months ago everything was normal in our family. Linda's mom cooked a full Thanksgiving dinner, we all gathered around the table, and life felt predictable. But two weeks later everything changed forever when she got diagnosed with a tumor and went to heaven just four months after that. And here's what I discovered - while you're focused on what's not happening, you're missing what God is actually doing in the situation. Because I used to think grief was just sadness, but it's actually more like a circle that never shrinks - your life just grows bigger around it. So today I'm sharing five specific lessons that completely changed how I see God, community, prayer, and relationships. Because if you're walking through loss, struggling with finances, dealing with marriage issues, or facing any kind of difficulty, these insights could transform how you experience God's presence in the middle of it all. This is one of the most personal, emotional episodes we've ever recorded. And if you're grieving, or have someone in your life who is, I hope this encourages you like only God can.    Resources Mentioned: Psalm 91 (read it and pray it daily): https://www.biblegateway.com/passage/?search=Psalm+91 Levi Lusko on grief and gratitude: https://youtu.be/tMrM3xcg5MM Get our book for free (just cover shipping): http://seedtime.com/free Linda Lotich on TikTok (because yeah, she's amazing): https://www.tiktok.com/@linda.lotich    🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.   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/dOCvyYiKyMo)!   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.

What if I told you the same ounce of gold that could buy 400 loaves of bread today… could've done the same 2,000 years ago?   In this episode, we break down the ONE chart that completely shifted how I think about saving, inflation, and long-term wealth. I've spent over 17 years investing—and I pretty much ignored gold… until this blew my mind.   You'll learn: Why I now see gold as a defensive asset in our portfolio How inflation has quietly destroyed the purchasing power of your dollars The story of bread, gold, and a century of financial erosion My favorite tool to buy gold automatically with as little as $10 Why I think gold might be the most biblical investment on earth What we're doing to protect our family's future If you're sitting on too much cash or wondering how to hedge against chaos—you'll want to hear this.   Resources Mentioned: OneGold App (Automated Gold Investing)  Simple Money, Rich Life – Free Copy 10X Investing Course  Mission Driven Millionaire    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/DegCJN91unA)!   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.  

What do you do when life punches you so hard, you don't think you'll ever get up? That's what we talked about in this raw, holy, and surprisingly hope-filled conversation with pastor and author Levi Lusko. After losing his 5-year-old daughter and recently his father, Levi brings more than theology—he brings lived truth. This episode is a deep dive into what it actually means to move forward when it feels impossible. We covered: What Levi learned from the Statue of David that changed the way he views grief forever Why "spiraling" might not be the enemy—it might be the invitation The difference between being angry at God and angry with God How to manage a panic attack when everything feels like too much What most people get wrong about success, wealth, and midlife This conversation hit hard. Whether you're grieving, feeling stuck, or wondering how to walk through something that just broke your heart—you're not alone, and there's a way forward.  Resources Mentioned: Levi's book: Blessed Are the Spiraling – https://amzn.to/3WYTqDW Levi's church: Fresh Life Church – https://freshlife.church/ Levi's Instagram – https://www.instagram.com/levilusko/ Jamie Winship (mentioned by Linda): https://www.jamiewinship.com/ Our financial discipleship class: https://seedtime.com/programs Our book: Simple Money, Rich Life – https://amzn.to/3VCYBxz   🎧 Subscribe + share with someone walking through loss. You never know how deeply it might hit them.   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 (LINKhttps://youtu.be/tMrM3xcg5MM)!   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.  

In this final episode of our "Prosperity Gospel, Poverty Gospel, and The Gospel" series, we're diving into the forgotten commands of scripture that every Christian should know when it comes to money. We're not just talking about how to make more or give more — we're talking about how to think biblically about money, handle it with eternity in mind, and why most believers are stuck in financial cycles that don't reflect the heart of God. We break down 1 Timothy 6:17–19 and show how Paul gives us a framework for wealth that isn't about prosperity or poverty — it's about purpose. In this episode, we cover: Why God wants you to enjoy what He's given — but not worship it The #1 thing Paul told the rich (and it's not what you think) How to track your "Net Given" (instead of your net worth) The difference between seed and bread in 2 Corinthians 9 Why your money is meant to flow through you, not just to you How to write a personal "Wealth Purpose Statement" with your family Why generosity now is connected to eternal treasures later 🔍 This is for the Christian who's tired of hearing two bad takes on money — and is ready to discover what the Bible actually says. — 📚 Resources Mentioned: SeedTime Book: https://seedtime.com/free True Financial Freedom Class: https://seedtime.com/tff Bible verses discussed: 1 Timothy 6:17-19 2 Corinthians 9:6-11 Deuteronomy 8:18 Psalm 24:1 Books: The Treasure Principle by Randy Alcorn: https://amzn.to/3KXYZ4d Heaven by Randy Alcorn: https://amzn.to/3XNJrsQ Join our community + newsletter: https://seedtime.com/ 🛠️ Connect with us on socials: IG: https://instagram.com/seedtime YouTube: https://youtube.com/seedtime   🎯 Your challenge this week: Write a family wealth purpose statement. Ask yourself — what are we called to do with the money God has entrusted us with?   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 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.