This might be the most important conversation we’ve had about money, faith, and the Bible.

For years, we've wrestled with it. One side says God wants you rich. The other says being poor makes you holy. But neither seemed to fully line up with Scripture. What if both extremes missed the point?

In this episode, we kick off a 5-part series where we break down:

• What the Prosperity Gospel gets right—and dangerously wrong

• How the Poverty Gospel subtly creeps in as "humility"

• The parable that changed everything for us 

• The biblical third way no one talks about enough

• How prayer can shift false teachers more than criticism ever could

• Why stewardship (not ownership) is the core financial principle of Scripture

• How even Mother Teresa modeled biblical abundance through simplicity

If you’ve ever struggled to reconcile your faith with your finances… this episode is for you.

Resources Mentioned:

• 📖 Simple Money, Rich Life by Bob Lotich – Get your free copy: http://seedtime.com/free
• 📘 Business Secrets from the Bible by Rabbi Daniel Lapin
• 📖 Bible verses mentioned:
  • Genesis 2:12
  • Genesis 13:2
  • Psalm 24:1
  • Matthew 25 (Parable of the Talents)
  • 1 Timothy 6:9-10 (Amplified Version)
  • Proverbs 4:23

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.

In this episode, we answer YOUR questions about how we’re using AI—personally, spiritually, and professionally.

We’re not here to debate whether AI is “good” or “evil.” We’re here to share how we're using it practically—as a business tool, a parenting helper, a writing assistant, a garden coach, and even a wardrobe consultant. And yep, Linda's officially a soft summer.

We get into the nitty gritty:

• The custom GPT we built for flipping items on eBay

• The podcast producer GPT that writes our show notes 

• How AI helps with planning RV trips and killing poison ivy

• Why we believe AI may become humanity’s greatest idol—and how to stay grounded in God’s Word

• Plus, Linda’s surprisingly useful fashion hacks (involving NASCAR outfits)

We talk faith, tech, and real life with all its messiness and nuance. And yes, we still believe God’s revelation always beats information.

If you’ve been wondering what does this actually look like in daily life?, this is the episode.

Resources Mentioned:

• ChatGPT by OpenAI

• Claude by Anthropic

• Great AI debate between Christian leaders: https://overcast.fm/+ABHd1mRWhAI

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/Ra0lk-nOt0g)!

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.

I sat down with Dr. Shane Enete—professor at Biola University, PhD in personal financial planning, total Jesus-loving money nerd, and author of Whole Heart Finances: A Jesus Centered Guide to Managing Money with Joy. 

We dug into a fascinating study of ultra-wealthy families (yes, $25M+ net worth) and uncovered a surprising truth. 

We talk about hedonic adaptation, generosity as a spiritual thermostat, and what your savings account might be saying about your heart. 

In this episode, you’ll learn:

• The biological and spiritual reasons why wealth never satisfies
• How to spot when your heart is starting to trust money more than God
• Why generosity is the fastest way back to peace
• What $25M families regret (hint: it’s not about the stock market)
• A brilliant money framework: acquisition, use, and management—and which one dominates your life
• Why savings isn’t evil, but hoarding might be
• How to know when you’ve moved from stewardship into idolatry

Mentioned Resources:

• Whole Heart Finances by Dr. Shane Enete - http://wholeheartfinances.com
• 2 Corinthians 9 – Biblical metaphor of seed (consume vs. plant)
• Dr. Eileen Gallo’s Money Dimensions Framework: Acquisition, Use, Management
• Book: Communicating for a Change by Andy Stanley - http://amzn.to/3JF0L0R

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/_iwhObTFD7I)!

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 episode, we crack open something most believers have never even noticed: In Genesis 2:12, God says the gold of the land was “good.”

Wait, what?

Before money was minted, before greed and shame twisted its meaning, God placed gold in Eden... and He called it good. That same word—“good”—used for trees, land, animals, and all creation. Money wasn’t cursed. It was created by God and called "good".

We dive into:

• The 8 times gold is mentioned in Genesis—and why that number matters.
• Why gold is incorruptible (literally) and what that symbolizes.
• How Abraham’s wealth wasn’t just allowed—it was celebrated.
• The surprising truth about opulence and what God really designed money for.
• Why your discomfort with money might not be holy… it might be unhealed.

Resources Mentioned:

• 📖 Genesis 2:12 (where it all starts)
• 📺 Clip from Myron Golden – https://www.youtube.com/@MyronGolden
• 📚 The Bible (especially Genesis, 1 Peter)
• 🎙️ Subscribe to the show & leave us a review to keep this conversation going.

👉 Got questions or thoughts? Hit us up—we’re always listening.

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/zCvSDN8qKV4)!

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 800 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 is the one you’ve been waiting for.

No more doom. No more dread. This is the episode where we talk about what to do next — how to prepare yourself (and your income) for the rise of AI.

We share 5 reasons why learning AI is now the most important thing you can do to grow your earning potential over the next 3–5 years. AND we break down 5 practical ways to start (even if you’ve never touched ChatGPT in your life).

What we cover:

• Why “AI fluency” already gets you paid 25–50% more
• How one mom built a $4k/month curriculum using AI tools
• The exact prompt you can copy/paste to find new income streams
• Why being “naïve” about this will cost you
• What the Bible says about staying ready, not scared

We also talk about how this intersects with parenting, homeschooling, and staying grounded in a tech-driven world.

This isn’t just about learning a tool — this is about stewardship of opportunity.

Resources Mentioned:

• Our book: Simple Money, Rich Life — http://seedtime.com/freebook
• ChatGPT: https://chat.openai.com
• Claude AI: https://claude.ai
• Try Bob’s sample prompt: 

“I am a [insert job or role]. What are 3 repetitive tasks AI could help with, and how could that improve income or free time?”

AI Series:

• AI and the Bible - Part 1: Is Artificial Intelligence Replacing Our Faith? https://seedtime.libsyn.com/ai-and-the-bible-part-1-is-artificial-intelligence-replacing-our-faith  (or watch this episode on YouTube: https://youtu.be/BoYjvHvyzFA)

• AI and Money - Part 2: Why 40% of Jobs Might Be Gone in 10 Years  — And What To Do About It https://seedtime.libsyn.com/ai-and-money-part-2-why-40-of-jobs-might-be-gone-in-10-years-and-what-to-do-about-it (or watch this episode on YouTube: https://youtu.be/pcsUkL2In9A)

And if you're curious about how we’re using AI in our biz or want a deep-dive on tools/workflows, shoot me an email: [email protected]

Let’s not sit back and get swept away by this wave. Let’s learn to surf it — with God at the center.

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/HA6T66ZTLdQ)!

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 800 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.

You ever watch the movie WALL-E and think, “No way that could be real”?

Well... buckle up.

This episode is PART TWO of our conversation about Artificial Intelligence — and it’s probably the most important thing you’ll hear all year. We dive deep into where AI is headed, how fast it’s moving, and why this isn’t just another tech shift... it's a total civilization shift.

Here’s what we talk about:

• The 3 groups emerging in the AI revolution (ownership, adapters, dependents)
• Why AI with a 180 IQ is already smarter than Einstein
• How 90% of jobs (yes, even lawyers and designers) are about to change
• The massive wealth opportunity coming... if you’re ready
• And the real reason we don’t need to fear any of it — because God is still God

This isn’t doom and gloom. It’s preparation. And it’s faith-forward. Let’s run toward this like David ran toward Goliath. 💥

Resources Mentioned:

• Mike Dillard’s AI email series (search his newsletter)
• Tesla, Google, Nvidia (publicly traded companies leading in AI/robotics)
• Our 10x Investing Course: http://seedtime.com/investing
• AI Part 1: Start here first (or watch the episode on YouTube)
• Email Bob: [email protected]

Stay encouraged. Stay aware. And stay close to the One who holds it all together.

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/pcsUkL2In9A)!

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 800 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 episode, we ask a big, uncomfortable question: What does AI mean for our faith?

I (Bob) have been obsessed with AI lately—not just how it works, but what it means. And Linda? Well, she’s more on the “this-freaks-me-out” side of things.

So this conversation got real… fast.

We dive into:

• The theological implications of AI (yep, we went there).
• Why AI can reflect human creativity but will never have a soul.
• How idolatry sneaks in when we rely on AI more than God.
• Personal stories (like when our son was sick and we turned to AI first… before prayer).
• The Tower of Babel, the wisdom of God, and the crazy race toward immortality.
• Practical ways to steward technology without losing our soul.

Whether you're a tech-savvy believer or a skeptical scroller, this episode will help you think deeply—and biblically—about the tech shaping our world.

Mentioned in this episode:

• Bible app: http://youversion.com 
• AI study tools like ChatGPT: http://openai.com/chatgpt 
• Gutenberg Press reference: https://en.wikipedia.org/wiki/Printing_press 
• Dolly the sheep cloning: https://en.wikipedia.org/wiki/Dolly_(sheep) 
• Cryogenic freezing: https://en.wikipedia.org/wiki/Cryonics 

Got thoughts, questions, or helpful links? Email me at [email protected] — I’d love to hear from you.

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/BoYjvHvyzFA)!

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 800 5-star reviews on Amazon, and is best described as “a money book for people who don’t read money books.” 

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Today we are walking through 5 of our most valuable resources (and some free) that will help you thrive financially this year.

These are the exact tools and resources we’ve used in our own life—plus testimonies from thousands in the SeedTime community who’ve seen breakthrough with them as well!

📚Resources Mentioned:

• Simple Money, Rich Life (get it free – just cover shipping): http://seedtime.com/free
• The “233 Millionaires” Cheat Sheet: http://seedtime.com/233
• Prayers for Finances free PDF: http://seedtime.com/prayer
• True Financial Freedom church + small group curriculum: http://seedtime.com/true
• Real Money Method (Limited time $1 trial): http://seedtime.com/realmoney
• Our interview on Cece Winans’ show "Generations": http://seedtime.com/cece
• Need the homeschool curriculum for teens PDF? Email us: [email protected]

We’re praying this episode helps you walk into the kind of financial freedom that leaves a legacy. Let’s thrive, not just survive. 👊 

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/xwosAsFDhMs)!

Everyone’s Freaking Out About Tariffs—But Here’s the Side No One Talks About

Let’s be real—every headline out there is yelling about doom and gloom: “Trade war! Economic collapse! Inflation!”

But what if there’s another side?

In this episode, we zoom way out and unpack the other perspective. The one you’re not hearing. The one that doesn’t sell fear, but maybe offers… a little bit of hope?

We get into:

• What tariffs actually are (yes, we break it down plain and simple)

• Why reciprocal tariffs aren’t necessarily “bullying”

• The surprising benefits most media outlets are ignoring

• How this could affect YOU: jobs, taxes, prices, and your kids' future

• And yes… we even touch on the real reason so many Americans are uncomfortable right now.

This isn’t about politics. This is about understanding the full picture—and getting equipped to respond with wisdom, peace, and practical steps.

Resources Mentioned 🎥 Victor Davis Hanson clip: Find it here Other clip: Find it here. 📖 Bible Reference – 1 Timothy 2:1-2 (Praying for leaders): 📖 Isaiah 41:10  📖 Matthew 6  📈 Boston Fed economic data: https://www.bostonfed.org (search tariffs + inflation)

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 800 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.

You know that verse in Proverbs that says “the wealth of the wicked is stored up for the righteous”?

Yeah… we need to talk about that.

For years, I heard people quoting it like a divine scratch-off ticket. Sit back, wait long enough, and eventually, poof - someone else’s riches end up in your account. But what if that’s not what the Bible is saying at all?

💡 In this quick but powerful episode, we break down:

• What Proverbs 13:22 actually means (and why most people are getting it totally wrong)
• Why this isn't about spiritual favoritism, but financial behavior
• How meekness plays a hidden role in wealth-building 
• The overlooked principle that made people thrive during the Great Depression
• Why debt is the opposite of biblical wisdom — and how to position yourself for peace, not panic

This isn't about sitting around waiting for God to drop blessings from the sky. It’s about living like Joseph in Egypt — wise, prepared, generous, and positioned for impact when the world starts shaking.

We’re not waiting for a miracle. We’re becoming one.

📚 Mentioned Resources:

• The Five Wealth Secrets by Craig Hill → http://craighill.org/books
• Simple Money, Rich Life by Bob & Linda Lotich → Get a free copy: http://seedtime.com/free
• Vines Bible Dictionary → https://www.christianbook.com/vines-complete-expository-dictionary/vines/9780785250531/pd/50531

💬 If this episode challenged your thinking or helped shift your perspective — share it with a friend who needs to hear it. And if you haven’t yet, a review on iTunes or Spotify goes a long way in helping us reach more listeners. 🙌

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/bdWUSFq3VQA)!

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 800 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.