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I decided to dig into what C.S. Lewis, the great theologian, had written about money over his years of writing. And I was fascinated by what I found. One of the most striking things was that in all his studies of the Word, he boiled all his thoughts and beliefs about Biblical giving and generosity down to one simple rule that we all can follow.   Links Mentioned: Our YouVersion Bible Reading Plan "C.S. Lewis' 1 Rule About Giving - https://www.bible.com/reading-plans/34377-cs-lewis-one-rule-for-giving-generosity  God Runs My Business: The Story of R.G. LeTourneau - https://www.amazon.com/God-Runs-My-Business-LeTourneau/dp/B0007DQGS0 Podcast Episode: Our favorite Biblical hack to make giving easier and fun - https://directory.libsyn.com/episode/index/id/25241292   Financial Verses about Prayer - https://seedtime.com/financial-verses-prayers/  Watch this episode on our SeedTime Money Podcast YouTube channel (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)   These are a few of the topics we cover: The Apostle Paul's financial wisdom Does poverty frighten you? What your money says about your heart Are you depending upon money, or upon God? What does true financial freedom mean to you? How do you handle the storms in your life? When God gives you a vision, He will also provide the provision What can you say no to, so that you can say yes to giving? How to store up treasure in heaven Why you should pray for your finances   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

Today I want to do something a little bit different. I’m talking about Bitcoin and Cryptocurrency on a 101 level. Regardless of whether you have any interest in crypto, i'd love for you to understand this so you don't fall into the 2 most common crypto camps: those who thing it is a ticke to get rich quick and those who say it is ALL a scam. THIS is the message that I want everyone to hear and understand about cryptocurrency... Links: Sound Mind Investing Newsletter sign up - soundmindinvesting.com (use code SEEDTIMESMI to get 25% off) Our 10x Investing course - seedtime.com/10x Watch this episode on our SeedTime Money Podcast YouTube channel (Please note: links mentioned may be affiliate links that help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: Why you should know about cryptocurrency (at least a little) Understanding cryptocurrency (i.e. blockchain, Bitcoin, Ethereum, tokens, etc.) Why is crypto investing so volatile? What is the safest crypto investing option? Why we should think of blockchains like the journey of the iPhone What to know about decentralized finance And a lot more... If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

So many financial experts do this and I've had this happen to me so many times over the years. So please don't ever say THIS to us... Links Mentioned: True Financial Freedom Course - seedtime.com/tff Simple Money, Rich Life - seedtime.com/smrl These are a few of the topics we cover: Worrying about what others think of your purchases Feeling judged for your financial situation Are you relying on external sources in finding your identity? How to find true financial freedom   You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

When Linda and I tied the knot, we set a goal for ourselves: to give away as much money as possible. We knew that with God's help, anything is possible. Even though we didn't have much to begin with, by His grace we managed to give away a $1 million by the time we hit 40. None of this would have been possible without God's grace. And the only way we were able to keep track of our progress was by monitoring what we call our 'Net Given' - it's a number that's crucial to keep an eye on. Check out this episode for more on all of this! And this episode is pulled from a YouTube video we shot, so if you want to watch you can do so here: https://youtu.be/xW-Sh8z0uR4 Links: Our Book: Simple Money, Rich Life - https://seedtime.com/smrl  Net Given spreadsheet download - https://seedtime.com/ng/  (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)   These are a few of the topics we cover: Why you should invite God on your giving journey The importance of writing down your goals Do you think eternally as a Christian? What you should track instead of your Net Worth Does your budget include a giving category? Have you challenged yourself to give more?   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

So what is the thing that Dave Ramsey and Suze Orman actually agree on? And that we agree with them as well? You will just have to listen to find out!! Links: PolicyGenius: https://seedtime.com/PG

Calling all Medi-Share users! There’s a secret I want to share with you. They offer a little known program that is saving us $780 that most members miss out on. Oh and it only took my 5 minutes to get it. This is pulled from a YouTube video where I explained how you can take advantage of this… If you want to see the screen check it out here: https://www.youtube.com/watch?v=TLddbBs4J_s  Links Mentioned: Blood pressure monitor: https://amzn.to/3PJP7AR Curious about joining Medishare? See what it would cost for your family on Medi-Share: http://seedtime.com/2/medishare.php and if you join tell them we sent you and we will send you a $100 Amazon gift card. Just email me at bob@seedtime.com to let me know! (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)   These are a few of the topics we cover: What is Medi-Share? How you can save hundreds, or even thousands, with this little known secret How to be healthier and save money at the same time   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

As we begin a new year, Linda and I are making 2023 the “Year of Wisdom.” Because now feels like a great time to begin growing in wisdom…and we need it more than ever.  Links Mentioned: DM us on Instagram - @SeedTime These are a few of the topics we cover: How to invite God into finding your focus How to change how others perceive you What you can do daily to unlock the treasures of true knowledge Why Larry Bird was mocked by his teammates Why the Bible is known as the Living Bible The beneficial byproduct of seeking after wisdom It doesn't matter how wise you are right now, you can always get more wisdom   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

Thursday, January 12th at 7:30p CST / 8:30p EST we are hosting a LIVE workshop to help you make 2023 your best financial year ever! Just visit https://seedtime.com/workshop to get enrolled INSIDE I’LL SHOW YOU HOW TO: Identify your biggest money savings opportunities to save $1k or more this year. Create your 2023 budget/savings plan And break it down into a simple, step-by-step 30-day checklist SO YOU CAN: Make progress towards your big financial goals in the next 30 days… In just 30 mins to an hour each day… And make 2023 your best financial year yet! And if you want to check out our New Years financial course bundle sale at 52% off you can find it here: https://seedtime.samcart.com/products/real-money---new-years-bundle We hope to see you there!  And feel free to share this with any friends who should be there with us!   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

So we are doing something we have never done before. We created a bundle of some key products in order to help you have the best financial year you have ever had in 2023. Oh and it is 52% off until Dec 11th! Check this link to see everything that is included: https://seedtime.samcart.com/products/real-money---new-years-bundle And if you are interested in having a financial audit done with me and having me build out a custom money saving plan for you to save at least $5k over the next year, please fill out this form: https://docs.google.com/forms/d/1_urF_E6C2Fe9FxfD4FhvckWSzMTY8czCRESpeKxAHdg/edit We are only opening 10 spots in January, so they will be first come first served.   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

The mindset between a business owner and an employee is very different. Both have pros and both have cons. Having been both (and now being a business owner) I’ve discovered that by tapping into my employee mindset, I can get focused on some things in a way that I hadn’t thought of. Hopefully, this helps you! Links Mentioned: Simple Money, Rich Life -seedtime.com/smrl SeedTime’s Bible reading plans on YouVersion - seedtime.com/youversion  These are a few of the topics we cover: The problem with wearing “too many hats” The difference between owning a business vs being an employee How to know what is most important to focus on What if a stay-at-home mom was paid per job? The power of not having to live paycheck-to-paycheck How to "hire yourself" to accomplish your tasks   You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

You probably think you know how much you earn per hour, but almost everyone is wrong. In this episode, we are walking through a simple exercise that’ll show you what your REAL hourly wage is and I'll bet it is nowhere close to what you think it is. Armed with this info, you might just find that it’d be cheaper to stay home with the kids than it is to send them to daycare, or maybe you can retire sooner than you thought, or any number of other things. This was originally recorded as a video so you might find it more helpful to watch the video here: https://youtu.be/Votlrg_fcSU Links Mentioned: Your Money or Your Life by Joe Dominguez and Vicki Robin - https://amzn.to/3WmjFeh How to save money on car depreciation - seedtime.com/save-money-on-car-depreciation/ These are a few of the topics we cover: How much time do you spend "working" without pay, outside of working hours? How much does it cost you to work (i.e. your car, gasoline expenses, wardrobe, etc.)? Are there expenses that you are paying others to do, that if you had more time, you would perform yourself? Are there foods you buy because you are too tired to cook dinner? Do you have escape entertainment or vacations you take part in that you wouldn’t if you didn’t have a stressful job? Are there childcare expenses that could be avoided without your job? What are the benefits and perks of staying at your job? Where is God leading you when it comes to where to work?   You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

Are you facing a huge challenge right now? I happened to grab the classic devotional “Streams in the Desert” off my shelf and was reading October 29th’s entry. This short entry blessed me immensely.   Just knowing that there is a purpose in the struggle is incredibly encouraging. It is comforting knowing that in the midst of the heat, and even when it feels unbearable, God is sitting right there with us. And that He is carefully making sure that the heat is removing the impurities and allowing us to be made pure and holy so that we better reflect His glory.  If you are in the heat right now, know that God hasn’t left you, but that He is nearby and doing a work that will leave you stronger and more precious. Links Mentioned: Streams in the Desert devotional  PDF Prayer for Finances  DM us on Instagram - @SeedTime These are a few of the topics we cover: The purpose in pain How to draw nearer to God through your struggle What are you using as a distraction from turning to God in desperate situations? Fighting battles in the financial arena You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

We are going to take you through 11 financial questions that you must ask BEFORE getting married. And even if you are already married, this would be a great episode to go through with your spouse. But 100%, without a doubt, if you know anyone engaged or wanting to be engaged, make sure to send this to them!  Links Mentioned: Download the PDF with the 11 financial questions you must ask:  https://seedtime.com/engaged Article from Market Watch - https://www.marketwatch.com/story/this-common-behavior-is-the-no-1-predictor-of-whether-youll-get-divorced-2018-01-10 Article from Ramsey Solutions - https://www.ramseysolutions.com/company/newsroom/releases/money-ruining-marriages-in-america   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

I found this clip of Grant Cardone saying that “no one should ever own a home.” And, I found some of what he was saying eye-opening.  Also, if you need a few ideas to help you get your house paid off quicker - check out a blog post we put together a while ago with 4 tips to help you get it paid off faster... https://seedtime.com/pay-off-your-mortgage-early/ Links Mentioned: Grant Cardone clip - instagram.com/reel/CkBMryapXhi/ Crystal Paine (aka Money Saving Mom) Podcast Episode - directory.libsyn.com/episode/index/id/19038101 Free recession survival guide PDF - seedtime.com/recession/ Simple Money, Rich Life - seedtime.com/smrl   These are a few of the topics we cover: Have homeowners been "fooled" by banks? How much are you REALLY paying for your home? Where did this idea that we all should own homes come from? Owning a home can be a great hedge against inflation The goal you should accomplish ASAP as a homeowner   You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

This episode is based off of a simple but powerful article we read by Paul Graham, where he argues that we are all missing out on so much potential because we have the wrong thoughts at the top of our mind. I read this and was convicted to re-calibrate my thinking to do this right. We hope you find this as helpful as we did! Links Mentioned: Article mentioned: The top idea in your mind by Paul Graham - paulgraham.com/top.html Our Podcast episode on secondary tasks: seedtime.com/devo-grow-your-business-ministry-etc-with-this-biblical-secret/ These are a few of the topics we cover: When your mind wanders, it's problem solving Your attention goes to what you’re focusing on How to get rid of the insignificant to focus on the priority The unfair advantage that believers have What is at the top of your mind? Finding your solutions in God and from the Bible Knowing your role, and what is not your role Why you never want too much focus on money Why It’s not the position that matters, it’s the function   You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

Today we are talking about the one simple life hack that we extracted from the Bible regarding giving. Being completely honest with you I (Bob) used to hate giving and never did it cheerfully, but this simple hack has helped me fall in love with giving. It’s been a game-changer for us and we know it will be for you too!   Links Mentioned: Simple Money, Rich Life - https://seedtime.com/smrl   These are a few of the topics we cover: How to decide the amount you should give Navigating your feelings around giving The Apostle Paul's money lessons to the church Why you need a separate giving account Why we need to error on the side of giving more Jesus' prescription for the love of money You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

Today we are chatting with marriage experts Dave and Ashley Willis (hosts of the Naked Marriage podcast). And todaywe are discussing the 2 hardest topics in marriage to talk about: Sex and Money. Links Mentioned: The Naked Marriage Podcast - xomarriage.com/podcasts/the-naked-marriage/ The Ministry, XO Marriage - xomarriage.com/ Their Instagram - @davidashleywillis The Naked Marriage Book - amzn.to/3Ba0YC3   These are a few of the topics we cover: Is it easier to talk about sex or about money in marriage? Why the church should be a go to source in learning about sex and money How to overcome money tensions in marriage Living beyond your means Being smart with your finances Communication in marriage   Find out more at seedtime.com   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

This is a brag on God and one of our students' moments where God just did something so cool in this woman’s life that we just had to share. If you have a bunch of debt or know anyone who does, you have to listen to this one or share it. Let this be an encouragement and inspiration to you on your journey! Links Mentioned: True Financial Freedom class - seedtime.com/tff Simple Money Rich Life - seedtime.com/smrl (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!)   These are a few of the topics we cover: Why everyone should take our True Financial Freedom Class How to invite God into your financial situation What you can do to improve your finances How to handle debt, no matter the amount Why you should set a Net Given goal How to see God show up in your life Why we should be inspired by others victories Find out more at seedtime.com You can watch the recording of this episode on our SeedTime Money Podcast YouTube channel   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

I just logged into my Fundrise account to see how much I was down now that we are unarguably in a recession, and I was blown away to see that even in the recession the Fundrise returns are WAY better than the S&P 500 this year. And then when you look at the Fundrise vs Reit returns you see the same thing - Fundrise is just crushing it right now.  Links Mentioned  Get started with Fundrise with as little as $10: seedtime.com/2/fundrise.php Get entered into our $1,000 giveaway: seedtime.com/1k 🚨 Get exclusive tips we only share with email subscribers: seedtime.com/subscribe 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!   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.

In this episode, Author Jay Fantom shares insights and lessons from 4 near-death experiences as well as his CAP method, which is a simple process to help overcome significant challenges that anyone can follow. Be sure to check out Jay’s new book: “the path of an eagle” for more from him. Links Mentioned: ● Jay’s book: “The Path of an Eagle” - https://amzn.to/3hPgUmz (Please note: links mentioned may be affiliate links which help us support our podcast and website. Thanks for your support!) These are a few of the topics we cover: ● Jays CAP method for overcoming challenges and adversity ● How Near-death experiences cause you to see the world differently ● How to learn to rely upon and trust God ● The fragility of life and cherishing every moment ● How to be encouraged when you are struggling ● How to begin replacing the negative with the positive ● Why pain is inevitable but suffering is optional ● Common traits of those who are better at overcoming difficulty ● Why you should see challenges as blessings Find out more at seedtime.com/   If you haven’t checked out our best-selling book Simple Money, Rich Life we think you’ll love it. It was named the 2022 Book of the Year by ICFH and has over 275 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 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.