This is StRest! In this episode, Kerstin Lindquist welcomes Bob and Linda Lotich—authors of Simple Money, Rich Life, hosts of the SeedTime Money Podcast, and creators of church‑based money courses. The Lotichs share candid stories of crushing debt, radical generosity (giving Bob’s age as a percentage of income), paying off their mortgage in nine months, and taking month‑long sabbaticals while their business grew. They unpack why “true financial freedom” is peace in any circumstance, not a magic dollar figure, and how listening prayer plus practical action can break money stress.

From the “Never 100 Rule” (never spend 100 % of income) to separate “fun money” accounts that stop marital fights, Bob and Linda deliver Bible‑rooted tactics that align wallets with faith. If anxiety flares every payday—or you feel guilty talking numbers with your spouse—this conversation resets money as a tool for purpose, rest, and joyful impact.

Major Themes & Concepts

 ✅ True freedom = peace, not portfolio size

 ✅ Pray → Listen → Obey (even when math disagrees)

 ✅ Radical, obedient giving unlocks provision

 ✅ The “Never 100” spending rule

 ✅ Annual sabbaticals: God works while you rest

 ✅ Separate personal‑spend accounts for marriage harmony

 ✅ Seed‑time & harvest: generosity as “planting”

 ✅ Save, Earn, Give, Enjoy (John Wesley framework)

 ✅ Taming control: money as servant, never master

Chapter Breakdown

 00:00 – Introducing Bob & Linda and money as top stressor

 03:01 – Why wealth doesn’t erase worry

 07:25 – First step in a money crisis: pray, listen, act

 10:49 – Widow’s oil & loaves: God multiplies “not enough”

 16:21 – Giving 31 % income → mortgage paid in 9 months

 23:00 – Discerning God’s voice vs. bad math or fear

 24:40 – $100 blog becomes full‑time income after layoff

 28:15 – Tithing, first‑fruits, and giving on expected income

 37:02 – Save • Earn • Give • Enjoy framework explained

 39:55 – One‑month sabbaticals: rest as spiritual warfare

 43:30 – Finding joy amid financial hardship & suffering

 50:40 – Emergency funds, but why trust > formulas

 52:56 – “Fun‑money” allowances that end purchase fights

 1:02:56 – Track every dollar (Rocket Money / spending journal)

 1:04:45 – Final tips & Kerstin’s teaser on tithing deep‑dive

Work with Kerstin

⁠⁠Workshops & Events⁠⁠ – Join upcoming events & retreats.

⁠⁠Health Coaching with Kerstin⁠⁠ – 1:1 coaching for stress reduction & wellness.

Resources & Recommendations

⁠⁠Dr. Denese Skincare ⁠⁠–   Use code STREST

Partner Links & Discounts

⁠⁠Dr. Tabatha - Hormone test & HRT⁠

⁠⁠⁠Apollo Neuro⁠⁠ – Discount Code: KERSTINLINDQUISTLLC

⁠⁠Lumen⁠⁠ – Discount Code: CoachKL

⁠⁠Ultrahuman⁠⁠ – Discount Code: KERSTIN10

Connect with Bob & Linda Lotich

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