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 [email protected] or [email protected] 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.

What if I told you that nothing you own is actually yours—and that this truth could radically change how you think about money, stress less, and give more?

In this episode, we dig into one of the most transformational shifts in our Christian financial journey: moving from ownership to stewardship. This isn’t just a spiritual concept—it’s the antidote to both the prosperity gospel and the poverty gospel.

We break down:

• Why guilt fades when you realize you're a steward
• The 3 principles Jesus taught that flip your finances upside-down
• How estate sales (yes, really) shook us into reevaluating our relationship with stuff
• Why multiplication is God’s agenda, not just accumulation
• What “assets under management” means—and why it beats calculating net worth
• The parable of the talents, fast fashion, and what bike shorts taught us about ethics and obedience

This one gets real. Real personal, real biblical, and real practical.

🎁 Free Resource Mentioned:

👉 Get our book Simple Money, Rich Life FREE (just cover shipping): http://seedtime.com/free

💡 Resources Mentioned:

• Simple Money, Rich Life
• The Real Money Method Course
• Jamie Winship on Embracing the Mystery
• Randy Alcorn on Eternal Rewards
• Bible References:
  • 2 Corinthians 9:6-11
  • Luke 16:10
  • Parable of the Talents – Matthew 25

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).

 

In this episode, we’re going deep on a topic the Church either glamorizes or demonizes—but rarely handles biblically: money.

We’re unpacking Exodus, Jesus, and even Tesla stock (yep)—to wrestle through a question that’s been tripping up believers for decades: “Is wealth inherently evil… or is it just a tool?” 

Here’s what we found:

• Why the Israelites’ gold became both a golden calf and a golden lampstand
• What Jesus really meant when He said, “Where your treasure is, there your heart will be also”
• The shocking contrast between how the Old and New Testament describe wealthy people
• The heart posture that turns a blessing into an idol
• And why generosity, not guilt, is the actual fruit of spiritual maturity

This isn’t financial advice—it’s soul-searching. If you've ever felt tension about having too much… or too little… this episode will give you clarity. 

📚 Resources Mentioned:

• Exodus 12:35–36 – Israelites plundering Egypt’s wealth
• Exodus 32 – The golden calf
• Exodus 35 – The Tabernacle offerings
• Matthew 6:21 – “Where your treasure is…”
• Philippians 4 – Learning to abound and abase
• Galatians 5:22-23 – Fruit of the Spirit (including “goodness” = generosity)
• Our book: Simple Money, Rich Life (Get a free copy—just cover shipping!) 🔗 Grab your free book here: http://seedtime.com/free

📩 If this message stirred something in you, share it with a friend. The Church needs a better theology of money—and it starts with conversations like this.

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).