SeedTime Money (Christian living & Personal Finances)

• ChatGPT says these 10 money wasters are keeping you broke

  This episode was eye-opening. I asked ChatGPT what keeps everyday Americans broke—and some of the answers hit way too close to home. Linda and I went through the list together and realized that many of us are quietly wasting thousands of dollars every single year without even realizing it.  In this episode, we break down 10 money wasters that sneak into your life: If you take just one or two of these seriously, you could literally save hundreds of thousands of dollars over the next decade.   Resources Mentioned in this Episode: Simple Money, Rich Life (Free Copy Offer): https://seedtime.com/free Visible Wireless (cell phone savings vs. Verizon): https://www.visible.com eBay (find quality used items): https://www.ebay.com Facebook Marketplace: https://www.facebook.com/marketplace HSA & FSA info (IRS guide): https://www.irs.gov/publications/p969   We’d love to hear from you! Email us at [email protected] or [email protected] with the money wasters you’ve spotted in your own life.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/gxz9X4MuJSc)!   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 1,000 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.

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• When God tells you to SPEND more

  What if being “too good” at saving and stewarding money is actually holding you back from obedience to God? In this episode, we share the story of friends who, in their leanest financial season, felt God ask them to spend way beyond what made sense. Every financial expert would’ve called it foolish—but their “irresponsible obedience” led to one of the most important divine encounters of their lives. We’ll unpack: Why sometimes God asks us to spend more instead of saving more How to know the difference between your desires and the Spirit’s leading Why true stewardship is less about your wisdom and more about your obedience Three practical questions to ask when you sense God nudging you to spend beyond reason If you’ve ever wrestled with the tension between “wise stewardship” and radical obedience, this conversation is for you.   Resources Mentioned: Simple Money, Rich Life (our book — get a free copy here: http://seedtime.com/free) NeeDoh Stress Cubes (yes, our new team obsession 😂) → https://www.schylling.com/brand/needoh/ SeedTime Courses & Community   👉Share this with someone who needs the reminder that obedience always outweighs “responsible” stewardship.   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Z5pHkOGfcco)!   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 1,000 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.  

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• The $8,000 Lie: Why 'You Get What You Pay For' Contradicts Kingdom Living

  We almost missed out on an $8,000 furniture set for just $1,000 — because of one dangerous mindset: “You get what you pay for.” This episode isn’t really about chairs — it’s about how this deeply ingrained belief system can keep us from receiving what God wants to lavish on us. Grace, provision, salvation — none of them came because we “paid enough.” And if we don’t learn to think differently, we may keep scrolling right past the blessings God has for us. We dive into: The Restoration Hardware deal that exposed this limiting belief Why the Kingdom of God doesn’t follow “earthly” formulas How to discern between scams and supernatural provision The mindset shift that could unlock the next level of your life How curiosity (not fear) positions you to receive   And yes, we get real about marriage, furniture, and being shrewd with money — all while staying Kingdom-focused.   👇Resources we mentioned: Our book: Simple Money, Rich Life — Get a free copy (just cover shipping): http://seedtime.com/free Facebook Marketplace — Yes, really. This episode proves it’s worth another look. Bible reference about being “wise as serpents, innocent as doves” — Matthew 10:16   Join us as we tear down the limiting beliefs that hold back abundance — not just financial, but spiritual, emotional, and relational.   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(LINK NEEDED)!   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 1,000 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.

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• THIS kept us from getting pregnant for 9 years (& how it affects your money)

  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 this 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?” Mentioned Resources: 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: Ezekiel 17 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). Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/hBp9kr-ShPg)!   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 1,000 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.

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• My mom just went to heaven 🥺 (5 things I learned that might help you)

  What if the hardest thing you're walking through right now is actually where God is working the most - even when you can't see it? A few months ago everything was normal in our family. Linda's mom cooked a full Thanksgiving dinner, we all gathered around the table, and life felt predictable. But two weeks later everything changed forever when she got diagnosed with a tumor and went to heaven just four months after that. And here's what I discovered - while you're focused on what's not happening, you're missing what God is actually doing in the situation. Because I used to think grief was just sadness, but it's actually more like a circle that never shrinks - your life just grows bigger around it. So today I'm sharing five specific lessons that completely changed how I see God, community, prayer, and relationships. Because if you're walking through loss, struggling with finances, dealing with marriage issues, or facing any kind of difficulty, these insights could transform how you experience God's presence in the middle of it all. 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://youtu.be/tMrM3xcg5MM 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).   Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/dOCvyYiKyMo)!   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.

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