In this episode,we share a personal conversation with a reader who's grappling with this tough situation, and I offer some practical, heartfelt advice based on their specific circumstances. 

[Budget breakdown] our advice to a reader facing bankruptcy with 3 little kids

We have a different take on money than most financial experts. Kind of like if Chip and Joanna talked about money. You know, down-to-earth, approachable, easy to understand, and even fun. 

We aren’t going to judge you for your past mistakes and we haven’t forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn’t the goal, but is simply a tool that can be used to fulfill what God has called us to do. 

Success with money. Success in Marriage. Success as a Christian. That’s what we’re after. If you want that too, then you’ll love the show.

We help you spend less time thinking about money while getting better results. 

The SeedTime Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to:

- paying off $400k of debt
- eliminating all guilt and shame with money
- building multiple streams of passive income
- honoring God with our finances
- learning how to save & invest wisely
- having financial unity in our marriage
- giving $1 million by age 40

Occasionally, we interview guests like Mark Batterson, Annie F. Downs, Joshua Becker, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our personal finances.

And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book ‘Simple Money, Rich Life’ or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'.  

Get a FREE preview at https://seedtime.com/scoreboard

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This free app is going to be a game-changer for a lot of you listening. Some of you are nerdy and already do this, but a lot of you don't. And if you don't this might just be the easiest way to save hundreds this next month - so don't miss this one!   

Hey friend!  Yesterday we hosted an investing workshop and it was really well received, so I thought I would share it with you on the podcast.   This workshop is actually day 5 of a series that we did and if you'd like to get lifetime access to the entire 5-day series you can get that here:  https://seedtime.samcart.com/products... And if you would like to get the discount on the 10x PLUS Investing course, you can grab that here: https://seedtime.com/join  

5 common investing mistakes almost all new investors make (and what to do instead)

Today we're diving deep into the mindsets that may be holding you back from your financial potential. There are invisible chains can significantly hinder our financial progress and spiritual growth and today we are going to begin tearing some down!   

Today, we're embarking on a journey to unlock the first of two crucial numbers every Christian should track to lead a thriving financial life that honors God.  Whether you're aiming to be debt-free or dream of being more generous without living like a pauper, this episode is your first step towards realizing those goals. Here's what we're diving into today:   Understanding Assets Under Management (AUM): Why is AUM the second most important number for Christians to track? We'll explore how rethinking 'net worth' as 'assets under management' can change your perspective on stewardship and align your financial management with Biblical principles.   Practical Steps to Calculate Your AUM: Learn how to quickly and easily calculate your AUM with tools you already have at home. This isn't just about knowing your financial status—it's about managing God's gifts wisely and with purpose.   Real-Life Impact of Knowing Your AUM: We'll share personal stories and insights on how understanding and managing our AUM has profoundly affected our financial decisions and spiritual life. Discover how this approach can lead to greater financial peace and a more focused pursuit of God's plan for your resources.   Encouragement for Your Financial Journey: Whether your AUM is positive or negative, this number represents a starting point, not a final judgment. We discuss how every financial state presents an opportunity for growth and a deeper understanding of God's provision.   Get our FREE AUM worksheet at https://seedtime.com/AUM    

        As we get started with this new series "Our 40-week checklist to giving $1 million", today we are starting with the story of what God has done the last few years. Here's a little of what we are covering.   Our wild ride from the edge of financial despair to experiencing financial miracles. Have you ever considered that your financial situation might just be the perfect setup for a miracle? I'll share the game-changing moments that reshaped our view on money and led to abundance in ways we never expected.  Dreaming of giving away a million dollars might sound out of reach, but what if I told you it's possible? Let's talk about what happens when your biggest dreams and divine inspiration collide. We've got a strategy for financial victory that goes beyond the numbers. It's about mindset shifts and making smart moves. Curious about the twists and turns on that road? We're sharing all. Generosity isn't just for those with overflowing bank accounts. We found that giving, no matter where you're at financially, has the power to transform not just the receiver's life but yours too. Let's explore how the joy of giving can be part of your life, regardless of your financial status. For us, financial freedom became a tool, not the ultimate goal. It's a means to live out our mission, not the mission itself. What could redefining financial freedom mean for your life and purpose? Sometimes, the key to a financial breakthrough is found where you least expect it. We discovered simple yet profound changes that turned everything around for us. I'm excited to share those with you. Our financial story is more than just our own personal victory. It's a ripple in a larger pond, a call to action for everyone. Let's delve into how your financial journey can impact not just your life but those around you, in ways you might not even imagine.  Tune in to not just hear a story of financial transformation but to ignite a spark for your own journey towards a richer life in every sense of the word.      Links:  SeedTime.com/true                            

[Budget breakdown] our advice to a reader facing bankruptcy with 3 little kids

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