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By Bob Lotich, Linda Lotich
4.9
205205 ratings
The podcast currently has 372 episodes available.
Have you ever noticed that no matter how much money you make, it never seems to be enough?
We're tackling the most stubborn financial habit we've ever encountered: discontentment. Even John Rockefeller, one of history's wealthiest individuals, famously said he needed "just a little bit more" when asked how much money was enough.
In this episode, we reveal:
Why having "just a little more" never satisfies (and what to do instead)
The shocking truth about how you're already richer than John Rockefeller in ways you've never considered
How Instagram and social media are secretly destroying your financial contentment
The counterintuitive "no muscle" technique that transforms your relationship with money
A practical framework for giving that's helped us stay grounded while working toward giving away $1 million
But here's what makes this episode different: Instead of just telling you to "be more grateful," we're sharing the exact systems we've used to break free from the endless cycle of wanting more ā whether you make $30,000 or $3 million a year.
We also dive deep into practical strategies like:
Why deleting certain apps might be the key to financial peace
How to set up "contentment benchmarks" that actually work
The biblical wisdom behind avoiding both poverty and excess wealth
A simple gratitude practice that rewires your brain's relationship with money
Key Quote: "Whoever loves money never has enough, whoever loves wealth is never satisfied with their income." - Ecclesiastes 5:10
Resources Mentioned:
SeedTime "Count Your Blessings" Merch: https://shop.sdti.me
Bible Verses Referenced:
Ecclesiastes 5:10
Philippians 4:11-13
Proverbs 30:7-9
Frameworks Mentioned:
The Christmas Gift Rule: Something you want, something you need, something to wear, something to read
The Age-Based Giving Framework: Giving your age as a percentage of income
Billy Graham's Salary Cap Framework: Never taking more than $100,000 salary
Ā
šļøThis episode is part of our 40-week series sharing the exact strategies we used to go from paycheck-to-paycheck living to giving away $1 million. If you're tired of the endless cycle of wanting more, this episode could transform your relationship with money forever. SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dNwT7BKykrA)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
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.
20 years ago, I read a single book that transformed how I think about money forever. Inside was a 2-word phrase that has driven nearly every financial decision I've made since.
Here's the truth: Most people make financial decisions based on immediate gratification. They buy new cars, upgrade their gadgets, and focus on short-term pleasure while neglecting long-term wealth building. But the wealthy think differently.
šIn this episode, we reveal:
The powerful mindset shift that changed everything for us
Why my millionaire mentor drove a 10-year-old car (while I had a brand new one)
The truth about what really counts as a "luxury"
The biblical wisdom behind building wealth slowly and strategically
Why most people's "waiting to save" strategy never works
The exact method we use to fund our biggest dreams (like our future beach house ministry)
This isn't just about making moneyāit's about building a foundation for Kingdom impact. If you're tired of living paycheck to paycheck and ready to think differently about wealth, this episode is for you.
Ā
š RESOURCES MENTIONED IN THIS EPISODE:
Books:
"Rich Dad, Poor Dad" by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194
"Die with Zero" by Bill Perkins - https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765
"Simple Money, Rich Life" by Bob & Linda Lotich - https://seedtime.com/free
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Ā
Scripture References:
Proverbs 21:20
Proverbs 13:11
Proverbs 6:6
Ā
šļøNote: This episode is part of our 40-week series sharing the exact strategies we used to go from broke to true financial freedom. Join us each week as we reveal another piece of the puzzle!
Ā
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 havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
The 2-Minute Money Hack That Will Transform Your Giving Forever
Ever felt the sting of wanting to be generous but being held back by your budget? We've been there. That's why we're sharing the game-changing strategy that revolutionized our giving: The Seed Account.
šIn this episode, we reveal:
The Biblical foundation for this radical giving approach (hint: it's in 1 Corinthians 16!)
The exact 4-step process to set up your own Seed Account (it takes less than 20 minutes!)
Real-life examples of how we've used our Seed Account to bless others in unexpected ways
Why this simple trick makes giving easier and more fun than you ever thought possible
Ā Imagine if every Christian adopted this strategy. How would it change our communities, our churches, and our world?
Don't miss out on this opportunity to transform your financial life and supercharge your generosity. Listen now and discover how you can start your own Seed Account today!
Ā
šResources Mentioned:
Our Book: "Simple Money, Rich Life" - https://seedtime.com/smrl
Real Money Method - https://seedtime.com/realmoney
Susie Larson's Show - https://faithradio.com/program/live-the-promise-with-susie-larson/
Bible Reference: 1 Corinthians 16 - https://www.biblegateway.com/passage/?search=1+Corinthians+16&version=NIV
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Ā
šÆReady to start your Seed Account? Here's your action plan:
Open a new bank account (savings or checking)
Decide on your monthly contribution amount
Set up an automatic transfer
Pray for guidance on how to use the funds
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/AlBsJ_J-0kM)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
Hey friend! Today we are breaking down our "Almost-Free Everything" Method.
Ā
šHere's what you'll discover:
The counterintuitive approach to buying luxury items that actually saves you money
How we turned a $120 Brooks Brothers coat into a financial epiphany
The three key principles that will transform your shopping habits forever
Why buying cheap can actually cost you more in the long run
How to leverage brand power to your advantage (even on a budget!)
Ā
šļøWe also dive into:
How we're making a profit on everyday purchases (and how you can too!)
The simple question that could save you thousands on your next purchase
Ā
šResources mentioned in this episode:
eBay: https://www.ebay.com/ (Our go-to for buying and selling high-value items)
Facebook Marketplace: https://www.facebook.com/marketplace/ (Perfect for local deals)
Our book, "Simple Money, Rich Life": seedtime.com/smrl
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Ā
š¬ Bonus Content: Don't miss our YouTube video on our 5-step strategy for buying used cars! Search for "SeedTime used car buying" on YouTube, or click here: https://www.youtube.com/watch?v=vBdoysHYoNg.
Ā
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Nxkw_rOMCMc)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
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.
Ā
In this episode, we reveal one of the most significant practices that revolutionized our finances and took us from broke to being able to reach our million dollar giving goal: praying scripture over our finances.
Ā
šWe dive deep into:
The truth about why separating God from your finances is holding you back
5 reasons why praying scripture will transform your money (and your life)
Our personal journey from financial stress to abundance through this powerful practice
Practical steps to start seeing results in your own life TODAY
Plus, we're giving you our secret weapon: a FREE resource packed with the exact verses, declarations, and prayer starters we used to transform our financial life.
Don't miss this opportunity to revolutionize your relationship with money and invite God's supernatural intervention into your finances!
Ā
šResources mentioned:
FREE Prayer & Scripture Resource: https://seedtime.com/prayer
The Payoff 10K Plan course: https://seedtime.com/10k
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Ā
šBible verses discussed:
Philippians 4:19
Matthew 6:26
Psalm 37:25
2 Corinthians 9:8
Deuteronomy 31:6,8
Proverbs 16:3
Ā
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Eu30GlfLY6g)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
Are you tired of feeling trapped by debt? What if I told you that the key to getting out of debt isn't just about making more money?
In this episode, we're tackling the question that's keeping millions of Americans up at night: "Why am I still in debt despite my best efforts?"
Ā
šWe're pulling back the curtain on:
5 hidden mistakes that are likely sabotaging your debt payoff journey
The shocking truth about minimum payments (and why your credit card company loves them)
A powerful strategy that helped one of our community members pay off $10,000 in just 6 months
The counterintuitive approach that could transform your finances in the next 30 days
Don't miss this chance to finally break free from the chains of debt and start building real wealth!
Ā
šResources mentioned:
The Payoff 10K Plan course: https://seedtime.com/10k
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Ā
šBible verses discussed:
Proverbs 22:7
Ecclesiastes 4:4
Matthew 6:25-34
Ā
Don't let another day go by feeling trapped by debt. It's time to take action and transform your financial future!
Ā
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/nlENoTAdbBI)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
Today we sit down with Peter Greer, President and CEO of HOPE International, to unpack the revolutionary insights from his new book, "Lead with Prayer."
š Here's what we uncovered:
The eye-opening prayer habits of Francis Chan, Mark Batterson, and other Christian powerhouses
Why 15 minutes of prayer trumps 10 hours of strategy (and how to implement this in your life)
The counterintuitive link between prayer and stress reduction in high-pressure leadership roles
How to create a "prayer culture" in your workplace (even if you're in a Fortune 100 company)
The untold story of how a small act of obedience in Ukraine sparked a global movement
But here's the kicker: This isn't just theory. We've implemented these strategies in our own organization, and the results have been nothing short of miraculous.
If you're tired of feeling stuck, stressed, or simply not seeing the breakthrough you know God has for you, this episode is your wake-up call.
It's time to stop relying on your own strength and tap into the ultimate source of wisdom, creativity, and power.
Ā
Resources Mentioned:
"Lead with Prayer" by Peter Greer - https://www.amazon.com/Lead-Prayer-Unlocking-Transformational-Leadership/dp/1540902293
Lead with Prayer website - https://www.leadwithprayer.com
HOPE International - https://www.hopeinternational.org
"Praying Like Fools" by Tyler Stanton - https://www.amazon.com/Praying-Like-Fools-Taking-Seriously/dp/0310363926
"When Helping Hurts" by Steve Corbett and Brian Fikkert - https://www.amazon.com/When-Helping-Hurts-Alleviate-Yourself/dp/0802409989
"Poverty, Inc." documentary - https://www.povertyinc.org
SeedTime website - https://seedtime.com
Ā
Ready to revolutionize your prayer life and unlock your true potential as a leader? Grab your copy of "Lead with Prayer" now at https://www.leadwithprayer.com
Remember: The world doesn't need more burnt-out leaders trying to change the world in their own strength. It needs leaders who know how to tap into the ultimate source of power, wisdom, and love.
Let's pray like our livesāand the lives of those we leadādepend on it. Because they do.
Ā
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 (https://instagram.com/seedtime).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Xgfi9ZcfUuE)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon and is best described as āa money book for people who donāt read money books.āĀ
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.
Ever wonder why some people seem to effortlessly climb the career ladder while others stay stuck? We're about to blow the lid off the biggest secret in professional development.
In this episode, we dive deep into the game-changing concept of micro-skills - the hidden superpower that can catapult you from average to extraordinary.
šHere's what we unpack:
The shocking truth about becoming indispensable (hint: it's not what you think)
The biblical hack for career success that most people miss
How a comic strip creator cracked the code to an extraordinary career
But we don't just talk theory. We give you actionable steps to identify and develop your own micro-skills, potentially 10x-ing your value in the marketplace.
Whether you're a seasoned pro or just starting out, this episode is your roadmap to becoming the go-to person in your field. Don't miss out on this career-defining information!
Ā
šResources Mentioned:
Comic: Dilbert by Scott Adams http://dilbert.com/
Bible Verses:
Parable of the Talents (Matthew 25)
Proverbs 22:29
Ephesians 2 (Prayer for enlightenment)
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m
Remember: Your homework is to identify 5-10 micro-skills you could develop. Start with one this week. Google it, YouTube it, read about it. Then watch as you start crushing it in your career!
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/I9e6Nu3kA70)!
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
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.
Picture this: You're at the end of your life, reflecting on your financial journey. What's the metric that truly matters? Is it the size of your bank accountāor the lives you've touched through your generosity?
In today's episode, we're tackling a question that could reframe your entire perspective on money: What is your Net Given, and why is it the most important number you're probably not tracking?
We explore the transformative power of tracking your Net Givenāevery act of generosity, big or small. It's not just about tithes or charitable donations; it's about every coffee you buy for a friend, every birthday gift, every meal you share. By shifting our focus from accumulating wealth to amplifying generosity, we discovered a path to a richer life and a lasting legacy.
Ā
š In This Episode, You'll Learn:
How redefining financial success can transform your life.
The story behind our ambitious goal to give away a million dollars.
Practical steps to start tracking your Net Given today.
Why small acts of generosity add up to make a big impact.
How focusing on giving can lead to true financial freedom.
Ā
If you've ever felt that accumulating more isn't fulfilling, this episode is your invitation to flip the script.
Ā
š Resources Mentioned:
Download our free Net Given Tracker Spreadsheet: http://seedtime.com/ng
Our Book ā Simple Money, Rich Life (Chapter 24 dives deeper into this concept): http://seedtime.com/smrl
Ā
šÆ Action Steps:
Download the Net Given Tracker and start logging every act of generosity: http://seedtime.com/ng
Reflect on your financial goalsāare they aligned with the legacy you want to leave?
Share this episode with someone who needs a new perspective on money.
Ā
Remember: It's not about how much you can get; it's about how much you can give. Let's redefine financial success together.
Ā
BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head toĀ https://seedtime.com/trueĀ for details or shoot us a DM on Instagram (http://instagram.com/seedtime).
Ā
Watch this episode on ourĀ SeedTime Money Podcast YouTube channel (https://youtu.be/a9BrXZiOh00)!
Ā
If you havenāt checked out our best-selling bookĀ Simple Money, Rich LifeĀ (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
You can take it for a test drive for FREE atĀ https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.
Today, we are discussing the paradoxical secret to financial success: working less.
We dive deep into the biblical principle of Sabbath and reveal how this ancient practice is revolutionizing modern business and personal finance.Ā
Ā
šYou'll discover:
Why top performers are embracing this idea and seeing exponential results
The counter-intuitive connection between rest and wealth creation
How we used Sabbath economics to reach our million-dollar giving goal
The shocking story of a rookie real estate agent who defied industry norms and saw his business explode
Why your vacations might be leaving you more exhausted (and how to fix it)
Ā
Plus, we share our personal Sabbath strategies that have led to major financial breakthroughs and life-changing revelations.
Whether you're a business owner, employee, or somewhere in between, this episode will challenge everything you thought you knew about productivity and success. Get ready to unlock a whole new level of financial abundance and personal fulfillment!
Ā
šResources Mentioned:
Book: "The Rest of God" by Mark Buchanan -Ā https://www.amazon.com/Rest-God-Restoring-Your-Sabbath/dp/0849918707
SeedTime Money 40-week checklist (mentioned as part of our ongoing series) - https://seedtime.com/give1mĀ Ā Ā
Ā
Stay tuned for our upcoming merch release and studio makeover! Follow us on social media for sneak peeks and updates.
Remember, sometimes the key to getting ahead is knowing when to stop and rest. Your future self (and your bank account) will thank you!
Ā
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).
Ā
Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Lm8ivuzl4WI)!
Ā
If you havenāt checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think youāll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as āa money book for people who donāt read money books.āĀ
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.
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