The SeedTime Money Podcast

What if the reason you're stuck isn't physical... but verbal?

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 reversing them
? 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?”

?? Resources Mentioned: ??
? 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 10:9
Ezekiel 37
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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

13 1

When my mom went to heaven, I thought I had faith. But in those next four months… everything changed.

In this episode, I share 5 powerful lessons I learned through the most painful, sacred, and surprising season of my life. If you’ve ever walked through grief or watched someone you love suffer, you already know—there are no easy answers. But there are holy moments, if we look for them.


?? We Talk About: ??
? What it’s like to see God still working when it doesn’t look like it
? The kind of community that actually shows up
? The humbling realization that you don’t know everything
? How I finally realized: Heaven is the goal
? And why prayer—real prayer—is more powerful than I ever imagined


You’ll hear stories about the meals we’ll never forget, the laminated prayer list my dad found in my mom’s journal, and the one question that changed how I see eternity.

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://levilusko.com
? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

5 4

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) - https://onegold.com/
? Simple Money, Rich Life – Free Copy: https://seedtime.com/smrl
? 10X Investing Course - https://seedtime.com/10x
? Mission Driven Millionaire - https://seedtime.com/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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

6 2

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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

13 2

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 (hi ?)

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

Simple Money, Rich Life (our book)

Google Eric Schmidt quote on AI hype

11 6

Today’s conversation might just reset your financial GPS.

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. What we unpacked about money, joy, and faith absolutely rocked me.

We dug into a fascinating study of ultra-wealthy families (yes, $25M+ net worth) and uncovered the surprising truth: more money doesn’t solve the soul-level ache. Shane breaks down why—even with generational wealth—so many people feel unsatisfied, anxious, and disconnected.

But here’s the good news: there’s another way. A better way. A Jesus-centered way.

We talk about hedonic adaptation, generosity as a spiritual thermostat, and what your savings account might be saying about your heart. Shane drops wisdom bombs using metaphors of barns, water reservoirs, and farming that totally reframed how I see savings, giving, and the purpose of money in the Kingdom.


?? 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
? Book: The Book of Giving (Try search: “The Book of Giving by John Ortberg” or similar spiritual generosity titles)
? 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
? Riverside.fm – remote podcast recording tool - https://riverside.fm
? Descript – podcast/video editing software - https://www.descript.com



?? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

11 1

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.” And some powerful insights from @MyronGolden .

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. Wealth wasn’t cursed. It was created.


?? 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 wealth for.
? Why your discomfort with money might not be holy… it might be unhealed.


?? Mentioned in this episode: ??
? ? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

22 5

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 1/3: 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 2/3: 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)
? AI Skills - Part 3/3: Why simply learning how to use AI can increase your income by 50% - https://seedtime.libsyn.com/website/ai-skills-part-33-why-simply-learning-how-to-use-ai-can-increase-your-income-by-50 (or watch this episode on YouTube: https://youtu.be/HA6T66ZTLdQ)

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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

25 1

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): https://mikedillard.com/
? Tesla, Google, Nvidia (publicly traded companies leading in AI/robotics)
? Our 10x Investing Course: http://seedtime.com/investing
? AI Part 1 (start here first): https://seedtime.libsyn.com/ai-and-the-bible-part-1-is-artificial-intelligence-replacing-our-faith (podcast) OR https://youtu.be/BoYjvHvyzFA (YouTube video)
? Email Bob: [email protected]



?? AI Series: ??
? AI and the Bible - Part 1/3: 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 2/3: 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)
? AI Skills - Part 3/3: Why simply learning how to use AI can increase your income by 50% - https://seedtime.libsyn.com/website/ai-skills-part-33-why-simply-learning-how-to-use-ai-can-increase-your-income-by-50 (or watch this episode on YouTube: https://youtu.be/HA6T66ZTLdQ)


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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

11 1

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


?? AI Series: ??
? AI and the Bible - Part 1/3: 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 2/3: 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)
? AI Skills - Part 3/3: Why simply learning how to use AI can increase your income by 50% - https://seedtime.libsyn.com/website/ai-skills-part-33-why-simply-learning-how-to-use-ai-can-increase-your-income-by-50 (or watch this episode on YouTube: https://youtu.be/HA6T66ZTLdQ)


? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

14 2

This might be our most practical episode yet. If you’ve ever said:
? “We can’t afford that”
? “Budgeting just doesn’t work for us”
? “Where is all our money going??”

Then you're in the right place.

We walk through 5 powerful (and mostly free) ways we can help you actually thrive financially this year. These are the exact tools, prayers, and mindset shifts we’ve used in our own life—plus testimonies from thousands in the SeedTime community who’ve seen breakthrough.


?? Here's what we cover: ??
? The Biblical millionaire habit you’re probably missing
? How to get our book Simple Money, Rich Life for free
? The Prayers for Finances guide that helped us go from broke to blessed
? Our small group program that’s changing churches across the country
? A $1 budgeting method that’s saving families thousands (seriously)

We even share the incredible story of Ashley—a mom of 3 living on $100 a week—who turned everything around using just one of these tools.


?? Resources Mentioned: ??
? Simple Money, Rich Life (get it free – just cover shipping): http://seedtime.com/freebook
? 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 (get the $1 trial): http://seedtime.com/realmoney
? Our interview on Cece Winans’ show "Generations": http://seedtime.com/cece
? Need the homeschool curriculum or Bible study 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. ?



?? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

18 1

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.


?? Mentioned Resources: ??
? Victor Davis Hanson clip: https://youtu.be/JrTBU7Nsdus?si=uWXPxEepGlG8nElk
? Other clip: https://substack.com/@brandonrichey/note/c-105898998
? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

10 9

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 (spoiler: it’s not what you think)
? 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


?? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

39 8

Have you ever felt like no matter how hard you work, you're still not getting ahead financially?

You're not lazy. You're not broken.

You're just programmed.

In this episode, I unpack 10 sneaky ways society wires us to stay broke—and most of us don’t even realize it’s happening. From how we’re taught about money in school, to why hustle culture keeps us exhausted but not wealthy, to the dangerous comfort that robs us of growth—this one is a wake-up call.


?? I break down: ??
? The mindset traps that make you fear risk but stay stuck in debt
? Why chasing comfort might be the most expensive decision you ever make
? The reason most people work hard but never build wealth
? How to deprogram yourself and step into true financial freedom

This isn’t a rant. It’s a roadmap.

If you’re ready to get out of survival mode and start building a life of abundance, this episode is for 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

32 2

We hit an all-time low.

For nine years, my business grew consistently. More revenue. More traffic. More impact. Then, suddenly, everything started going backward.

I had no clue what to do. I felt helpless. The numbers were bad—worse than I realized. And I remember thinking: God, did you bring me here just to let it all fall apart?

But what happened next changed everything.

In this episode, I take you behind the scenes of the hardest season of my business—when we were spending $20K a month but only bringing in $11K. I share my raw, unfiltered journal entries from that time and the powerful realization that pulled me out of the pit.

If you're in a season where you're wondering if God is still moving in your life, this is for you.



?? Listen in as we cover: ??
? The hidden danger of success (and how it blinds you)
? Why hitting rock bottom might be the best thing for you
? The surprising power of journaling for tracking God's faithfulness
? A game-changing Bible verse that helped me keep going
? The ONE mindset shift that turned everything around


?? Resources Mentioned: ??
? Book: Simple Money, Rich Life – Get a FREE copy (just cover shipping): https://seedtime.com/free


?If this episode encouraged you, send it to a friend who needs to hear it.


?? 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.


?? Simple Money, Rich Life ??
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.


? Find out more at https://seedtime.com/

? Get exclusive tips we only share with email subscribers: https://seedtime.com/subscribe
? DM us on Instagram http://instagram.com/seedtime
?? Podcast: listen to the SeedTime Money podcast for exclusive content: https://seedtime.com/podcast


DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Additionally, this video and description may contain affiliate links, which means we may earn a commission and that you can support the channel by clicking those links (at no additional cost to you). This allows us to continue to eat and live indoors, so thank you for your support!!

37 5