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SeedTime with Bob and Linda Lotich: Daily Summaries Delivered
by Bob Lotich, Linda Lotich
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- 4 days ago20 min
The 4 Stages of Money (And Why Most People Get Stuck in Stage 2)
37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost nothing to do with how much we make. Linda and I have coached people pulling in $250k who are dead broke. We've watched a $20,000 raise get absorbed by lifestyle inside six months and leave them exactly where they started. The problem isn't income. The problem is that most of us are working hard on the wrong math problem. In this episode we walk through the four stages of money (surviving, stable, secure, and surplus) and the one mistake almost everybody makes when they try to jump from one stage to the next. We get into why "boring" is the actual investing strategy, why we wish we wouldn't have taken the raise, the bank-manager story that explains why the system is rigged against people in stage one, and the moment we finally figured out that the move that got us from stage one to stage two was the exact same move keeping us stuck in stage two for years. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: The stat that proves your financial stage has almost nothing to do with your income The 4 stages of money and how to know which one you're actually in The one mistake almost everybody makes trying to jump from one stage to the next Why a $20k raise can leave you with the same $0 left at the end of the month The bank manager story that exposes how the system is rigged against people in stage one Why "boring" is actually the right investing strategy at stage three The Elon-Musk-doesn't-mow-his-own-lawn principle most people get backwards Why willpower-based budgeting always fails (and what to do instead) BIBLE VERSES MENTIONED Matthew 14:13-21 (referenced. The five loaves and two fish. "You bring it to me and I'll multiply it.") RESOURCES MENTIONED Mission-Driven Millionaire cohort Simple Money, Rich Life (the book) Free book offer DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- 1 weeks ago30 min
The 17 Investments I Actually Own (Full Portfolio Reveal)
In this episode I walk through our entire 2026 investment portfolio: every account, every position, and exactly what I'm doing with our money. That includes a full update on gold (which has nearly doubled but I genuinely don't care), where we stand with Bitcoin at $65k, why I moved Linda's Roth IRA into a fixed indexed annuity after spending my whole career skeptical of them, our real estate split between Fundrise and Roots, the Tesla concentration problem in our stock portfolio, and what happened when I ran an app that automatically copies Nancy Pelosi's trades for 8 months — including the $1,500 I put in and the 12.4% it returned. If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: The Christian fund I've held for a year that's down 3% while the S&P is up 17% — and why I'm not selling The app that automatically mirrors Nancy Pelosi's stock trades (Trump mentioned her record in the State of the Union) Why gold has nearly doubled — and why I genuinely don't care The Tesla concentration problem in our stock portfolio that every rebalancing strategy says to fix (but I won't) Why I spent my whole career skeptical of annuities — then moved Linda's Roth IRA into one What we're actually putting in crypto right now, and why 80% of it is in one coin Why I want as few US dollars as possible right now — and what I'm holding instead BIBLE REFERENCES Parable of the Talents (Matthew 25) RESOURCES MENTIONED Sound Mind Investing (FCTE / Full Cycle Trading Fund) Roots Fundrise Innovation Fund Alto IRA OneGold Autopilot app Webull DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- 2 weeks ago56 min
He Burned Out as a Pastor (Then Discovered this…) w/Mark Buchanan
Most of us have quietly convinced ourselves that busy-ness is a badge of honor. Mark Buchanan believed the same thing — until it almost cost him his health, his marriage, and his connection with God. And what he found on the other side of that is something the modern church has almost entirely stopped talking about. In this conversation, Linda and I sit down with Mark Buchanan — author of The Rest of God, God Walk, and his new historical fiction novel What Is Left of the Night — to talk about why busyness kills the heart, what Sabbath really means as more than a day, how walking is a deeply spiritual practice woven all through Scripture. His book The Rest of God is what started our practice of monthly sabbaticals 13 years ago, and this conversation took us somewhere we didn't expect. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: Why Mark nearly burned out as a pastor — and how discovering Sabbath saved his marriage and his ministry Why Sabbath isn't just about a day of the week — it's an attitude and a way of seeing everything The phrase "busyness kills the heart" and what it actually looks like in your everyday life How Bob and Linda's 13-year practice of monthly sabbaticals grew out of one book — and led to a full year off The spiritual practice of walking, and the surprising number of times it shows up in Scripture Mark's new historical fiction novel about a French village that protected 2,500 Jews during WWII with zero casualties What connects Sabbath, walking, and a village that simply refused to live by the world's rules RESOURCES MENTIONED Mark Buchanan's Books: The Rest of God God Walk What Is Left of the Night DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- 3 weeks ago42 min
You're Not Broke — You Have a Leak. Here's the Framework That Finds It.
You're not careless with money. You try to be intentional. But somehow at the end of the month, there's still less than there should be — and you can't quite figure out where it went. What if the problem isn't discipline — but a type of spending leak that even the most careful budgeters almost never catch? In this episode, I walk through the Cost vs. Frequency Matrix — a simple framework for identifying three invisible drains that quietly bleed most middle-class budgets dry. We talk about value decay (purchases that made total sense once, but quietly stopped serving you), what the average American home's 300,000 items tells us about how we buy things, and how this all connects back to what it really means to steward what God has entrusted to you. This is a workshop-style episode, so grab something to write with. If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: Why the average American home has 300,000 items — and what that tells us about how we actually spend money The three types of invisible "drains" that bleed most middle-class budgets without anyone noticing What "value decay" is and how to spot purchases that quietly stopped making sense in your life How to use the Cost vs. Frequency Matrix as a practical tool in about 10 minutes Why even the most disciplined budgeters often miss this category of spending What it means to manage money as a steward — and how that single mindset shift changes every decision The surprising connection between clutter, housework, and how much money is quietly walking out the door RESOURCES MENTIONED Real Money Method course Mission Driven Millionaire program DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- Apr 17, 202634 min
Why When You Feel Least Qualified Is When God Does His Best Work
The day Jesus fed five thousand people from almost nothing — he was also grieving the violent death of his best friend and cousin. He'd tried to get away to be alone. The crowds followed him anyway. And instead of sending them home, the Bible says "he had compassion on them." Out of his grief. Out of his exhaustion. In this episode, Linda and I walk through Matthew 14 and what was actually happening to Jesus during this wild 24-hour stretch — the grief, the exhaustion, the interrupted attempt at solitude, and the back-to-back miracles that came out of it. We also talk about what Linda walked through after her mom died last year, and why the moments when you feel least able are sometimes the moments God does his most visible work. If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: Why the feeding of the 5,000 hits completely differently when you know what Jesus was going through that day What it means that Jesus "had compassion on them" right after learning his cousin was killed How grief and exhaustion didn't disqualify Jesus from doing miracles — they may have been the condition for them What Linda experienced leading and speaking through the grief of losing her mom last year Why your weakest moments might be the ones where God gets the most visible credit What it actually looks like when you show up empty and God shows up anyway The three o'clock in the morning detail — and why the story doesn't end after the feeding BIBLE VERSES MENTIONED Matthew 14:13 Matthew 14:14 Matthew 14:23 Matthew 14:25 DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- Apr 10, 202657 min
How to Hear the Holy Spirit About Your Finances (with Alex Seeley)
She prayed for seven years for a breakthrough. The more she prayed, the worse things got. And she ended up on the bathroom floor saying she didn't want to be alive anymore. What the Holy Spirit showed her in that moment — about control, about fear disguised as faith, about the difference between begging and believing — is something I haven't been able to stop thinking about. In this episode, Linda and I sit down with Alex Seeley — author of The Divine Counselor — for one of the most honest conversations we've had on this show. Alex shares how a 20-year eating disorder rooted in unforgiveness, a $23 last-dollar miracle when she and her husband gave everything to move to America, and a word from a stranger about a "tissue box" that just keeps refilling shaped her understanding of what it actually means to walk with the Holy Spirit. We also talk about why Linda used to go shopping when things got tight financially — and what the Holy Spirit revealed was really going on underneath that. WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: The difference between praying from fear and praying from faith (they can look identical from the outside) How a 20-year eating disorder rooted in unforgiveness was never going to "just work itself out" Why there's a 24/7 counselor available to you right now who's better than any therapist you could book an appointment with The $23 miracle: what happened when Alex and Henry gave their last dollars before moving to America Linda's confession about going shopping whenever money was tight — and what the Holy Spirit revealed about why The difference between conviction and condemnation (this reframes a lot) What it looks like when your seed goes into the next season — not just into an offering bucket BIBLE VERSES MENTIONED Acts 1:8 Isaiah 1 John 14:16 Romans 8:28 1 Peter 5:7 Philippians 4:13 DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.
- Apr 3, 202634 min
The 3 Money Tests God Gives Every Christian (And Why Most of Us Are Failing)
Have you ever wondered why financial breakthrough feels so close yet so far? Bob and Linda Lotich reveal that God is constantly testing us with money—and most of us don't even realize it's happening. In this eye-opening conversation, they break down the three distinct money tests every believer faces, how to identify which one you're in right now, and what God is trying to teach you through it. What You'll Learn: The Three Tests - The Struggling Test - When you have less than you think you need The Surplus Test - When extra money comes your way The Stable Test - When nothing has changed for years Key Insights: Why the habits you build in struggle carry you into surplus The George Mueller story that will transform how you pray about provision How to know if you're in a "rest season" or need to take action Why stability might be the sneakiest test of all The practical "50/50 rule" for handling raises and windfalls How to create your own "stack of stones" to remember God's faithfulness Powerful Quotes:
- Mar 27, 202627 min
The One Verse God Said to Remember (That Everyone Forgot)
In all of Scripture, there are only a handful of times when God explicitly tells us to "remember" something. Each time, it's attached to something vital—communion, Christ's resurrection, where we've fallen. But there's one verse where God commands us to remember a principle that much of the church seems to have forgotten entirely. In this episode, Bob and Linda explore 2 Corinthians 9:6: "Remember this—a farmer who plants only a few seeds will get a small crop, but the one who plants generously will get a generous crop." Key Topics Discussed: Why This Verse Matters How God uses the word "remember" throughout Scripture for critical truths The context of 2 Corinthians 8-9 and its focus on generous giving Why this principle of sowing and reaping has been pushed aside by many believers The Enemy's Strategy How biblical principles get twisted and weaponized The 1980s prosperity gospel backlash and its lasting impact Two ditches to avoid: manipulation on one side, scarcity mindset on the other Getting Your Heart Right The crucial difference between giving to people versus giving to the Lord <div class= "TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph H
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About SeedTime with Bob and Linda Lotich
Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show.Learn to simplify, automate, multiply & get full control of the money God's entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose.Oh and we have a different take on money than most financial experts. 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. We help you spend less time thinking about money while getting better results. The Seed Time 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
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