SeedTime with Bob and Linda Lotich

Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances
The first time I prayed a prayer I thought might be selfish, I was 20 years old and brand new in my faith. God said yes. I spent the next seven months refusing to accept the answer because I could not believe He had actually said it. Years later I prayed a different prayer, this one about our mortgage. The answer came back in a way I never would have written. Ten months later the mortgage was gone.
In this episode Linda and I get into the four reasons most Christians do not pray about money (and why all four are wrong), the five categories of prayer most of us have never named, the moment Linda figured out she could unload on God the same way she unloads on me, the prayer Joshua prayed that should reframe how bold we are willing to be, and the comment one woman left on our Instagram about a 'lowercase g' God that I have not been able to shake.
 
WHAT WE COVER IN THIS EPISODE
Here's a little of what we cover in this episode:
The four reasons Christians don't pray about money (and why all four are wrong)
The selfish-feeling prayer Bob fought against for seven months before accepting God's yes
The five categories of prayer most of us have never named for our finances
What Joshua's prayer in the Bible has to do with how boldly we should pray
The Instagram comment about a 'lowercase g' God that has stuck with us
Why God redirected the mortgage prayer toward tripling our giving instead
What letting your kids barge into your office reveals about how we are meant to approach God
The one-sentence prayer challenge to take this week
 
BIBLE VERSES MENTIONED
Philippians 4:6
James 4:2-3
Joshua 10 (referenced — Joshua praying for the sun to stand still)
1 Thessalonians 5:17
Matthew 6:11
James 1:5
James 3:17
1 Thessalonians 5:18
Matthew 6:24
Psalm 24:1
 
RESOURCES MENTIONED
30 Days of Prayer for your Finances
Simple Money, Rich Life (the book)
 
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.

The first time I ever heard the word tithing, I watched a guest preacher publicly shame two guys at the altar of a small Florida church for not doing it consistently. They walked back to their seats with their heads down. I never forgot it. Linda has a different shame story — quiet, private, ten years long, all over a single tithe she felt led to give to friends going on a mission trip instead of her local church. Two completely different shame stories, same root system. Both deadly to generosity.
In this episode, we finally do the conversation we've sidestepped for almost two decades. We get into the difference between condemnation and conviction, why we treat tithing the same way we treat Sabbath, and the moment we corrected our giving and got a raise the very next day that exactly covered the gap.
This is not a shame episode. It's not a license episode either. It's where we've actually landed.
And 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 altar-shaming Bob watched as a brand-new Christian (and what it did to his view of giving)
The 10-year guilt cycle Linda carried over a single tithe she gave to the "wrong" place
Why condemnation comes from the enemy and conviction comes from God (and how to tell which is which)
The Sabbath analogy that finally helped us land somewhere honest
Why both shame and license are wrong (and what 2 Corinthians 9:7 actually says)
Where to start if 10% feels impossible right now
 
BIBLE VERSES MENTIONED
Matthew 7 (referenced — "if your eye causes you to sin")
Genesis 14 (Abraham and Melchizedek, referenced)
Genesis 22 (Abraham, "God will provide" / Jehovah Jireh)
2 Corinthians 8-9 (referenced as a giving framework)
2 Corinthians 9:7
Galatians 3:13 (referenced — "redeemed from the curse of the law")
John 8 (the woman caught in adultery, referenced)
Luke 19 (Zacchaeus, referenced)
Hebrews (Jesus as high priest in the order of Melchizedek, referenced)
 
RESOURCES MENTIONED
True Financial Freedom (church curriculum) → seedtime.com/true
 
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.

Mike Tyson made $400 million and ended up $23 million in debt. A janitor named Ronald Reed made minimum wage his whole career and left $8 million to charity. The difference had nothing to do with income — and everything to do with one rule. That's where this conversation starts.
Linda and I were guests at a church for their "Money Talks" series and the questions were so good we wanted to bring this to the podcast. We walk through the John Wesley framework we based our whole book on (make all you can, save all you can, give all you can — and enjoy it), the one number that tells you whether you're moving forward or backward financially, why net worth is actually the wrong thing to track as a Christian, the "Never 100 Rule" that changed everything for us, the one-category budget that works when every other budget fails, and what happened when we started giving in a way that felt irresponsible but resulted in our mortgage being paid off in three 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:
Why "net worth" is actually the wrong metric for Christians — and what to track instead
The one number that tells you whether you're moving forward or backward financially right now
The Never 100 Rule: the single rule that makes all the difference between building wealth and staying stuck
Why Mike Tyson went broke (and what it has to do with your budget)
The one-category budget — why it gets 80% of the results of full budgeting with 20% of the effort
Why willpower-based budgeting always fails — and what to do instead
The giving account that made generosity actually fun (instead of a guilt trip)
What Bob and Linda would tell their 19-year-old selves about money
How to handle money differently when you and your spouse are total opposites
 
BIBLE VERSES MENTIONED
2 Corinthians 9:6-7
2 Corinthians 8-9
Proverbs (referenced as a daily reading practice — one chapter per day)
 
RESOURCES MENTIONED
Simple Money, Rich Life (the book)
Assets Under Management free resource
 
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.

Matt Chandler has been in the room with actual billionaires on multiple occasions — and the way he describes what happens to people who have everything almost everyone else is chasing isn't what most of us would expect. He told us he won't even let some of them bless him. And after 23 years pastoring one of the most affluent suburbs in America, he's seen exactly what the chase actually does to families.
In this conversation, we get into a question Matt says nobody has asked him: what he's actually watched wealth do to people up close. We talk about the upgrade cycle most Christian families never name (and the bigger house Matt and Lauren refused to buy because of it), why the finish line always moves no matter how much you make, the diagnostic he gives for whether money is serving you or you're serving it, and what bad stewardship really does to the peace in your home.
And for more rich teaching on how to become more like Jesus check out his new book Becoming Like Jesus -
 
WHAT WE COVER IN THIS EPISODE
Here's a little of what we cover in this episode:
What Matt has watched wealth do to families over 23 years in Dallas
The room full of billionaires moment most pastors never talk about
The bigger house Matt and Lauren almost bought (and the math that decided it)
"The finish line always moves" — the trap most Christians never name
The diagnostic Matt uses to spot whether money is serving you
What bad stewardship actually does to the peace in a home
How Matt and Lauren built radical generosity into their budget when he made $12,000 a year
Why budgeting is a spiritual discipline, not a numbers nerd thing
 
BIBLE VERSES MENTIONED
1 Corinthians 16:2
 
RESOURCES MENTIONED
Matt Chandler's Book: Becoming Like Jesus
 
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.

We are opening up our Mission Driven Millionaire Cohort to 15 people and we are enrolling now until spots fill up. Get details and apply here: https://seedtime.com/cohort
Also, this is an episode you might just want to watch (you know, with your eyeballs lol) for it to make the most sense. And you can do that here if you want.
I have coached people pulling in 250,000 a year who are completely broke. No margin, no savings, no clue where any of it went. And I have sat with families bringing in 40,000 who quietly become millionaires. It is not income. It is not pinching pennies. There is one specific thing that decides which side of that line you end up on.
In this episode, I'm walking you through the exact system Linda and I built that helped us give away over a million dollars by my 40th birthday and pay off our mortgage in the process. We get into why most extra money disappears before you ever see it, why holding water in your hands is the picture of money without a system, the simple framework we use for budgeting, bills, and automated giving and investing, and why the system itself is what made the miracles possible.
I will show you what Joseph storing grain has to do with your 401k, why pinching pennies is what people try when they do not have a system, and what to put in place so when extra shows up it actually has somewhere to land.
 
What We Cover
Here's a little of what we cover in this episode:
Why most extra money disappears within a month of showing up
The one decision Linda and I made before money landed that changed everything
How to hold water without spilling it (the analogy that finally made this click for me)
Why income alone never fixes the problem (we have coached 250,000-a-year families who are dead broke)
The exact flow of how money moves through our system, from paycheck to giving to investing
Why pinching pennies is a sign you do not have a system yet
The Joseph principle that links faith and structure, and why miracles ride on top of it
The slow leak that drains every raise, bonus, and tax refund you have ever received
 
Bible Verses Mentioned
Matthew 6:33
1 Corinthians 16:2
 
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.