SeedTime with Bob and Linda Lotich

You can do everything right with money and still not feel free.
Budget in place. Debt gone. Emergency fund full. And underneath it, the same low hum of anxiety and comparison that was there before.
Our friend Bryan built his entire financial life on three words he'd heard a thousand times: cash is king. He's a Dave Ramsey superfan. He did the debt-free scream. Then one day in the shower it hit him. Cash isn't king. Jesus is.
That one shift exposed a money idol he never knew he had, and it changed how he makes every financial decision since.
In this conversation we get into how to tell whether money has become your idol (it usually hides in a phrase you say every day), the two kingdoms your money can run on, a definition of financial freedom that has nothing to do with a dollar amount, and what happened when Bryan and his wife prayed about spending their last $12,000 and believed God said yes.
To be clear, there is real wisdom in "cash is king." This is not a takedown. It's a conversation about what sits on the throne.
We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M
 
Timestamps
0:00 Cold open and intro
2:57 The three words Bryan built his financial life on
3:51 The shower moment that flipped "cash is king"
7:30 Where the idol got built (and why he never saw it)
10:50 Two kingdoms, two operating systems
20:45 Money wants to give you what only God can
21:50 The stronghold you can't see
23:45 A definition of financial freedom that isn't a dollar amount
26:33 Nearly $1 million in cash to negative $3,000
29:46 The truck, and their last $12,000
31:59 Jesus math
34:01 You gotta ask God
41:19 "I have enough"
 
What we cover:
Here's a little of what we cover in this episode:
The phrase you have heard a thousand times that might be a lie
The two operating systems your money can run on
Why financial freedom can't be a number in an account
The last $12,000 decision that made no financial sense
Why "you have not because you ask not" still challenges Bryan
The first time Bryan ever thought "I have enough"
 
Bible Verses Mentioned:
Genesis 3
Genesis 41
Deuteronomy 27-28
Joshua 6
1 Kings 17
Proverbs 9
Proverbs 21: 20
Matthew 6: 26
Matthew 6: 33
Matthew 17: 27
Romans 1-3
James 4: 2
 
Resources Mentioned:
Growth Tools
 
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.

What if you don't need more money to pay off your debt?
What if you just need to see what's already in your house?
That's the pattern hiding inside a story in 2 Kings 4.
A widow. A dead husband. A creditor at the door.
And one small flask of olive oil that God multiplied until her debt was gone.
This episode was recorded live from one of our workshops.
Linda and I walk through the whole story, verse by verse.
Then we pull five simple steps out of it for paying off debt fast:
Name your need.
Take inventory of your house.
Gather your jars.
Shut your door.
And pour your flask.
We also tell our own debt payoff story, starting with a blog that made $100 a month.
And why students in our Mission Driven Millionaire coaching program have paid off $17,000, $25,000, even $65,000 of debt in a matter of months…
This isn't a budgeting lecture.
It isn't a "just have more faith" pep talk either.
It's a biblical formula for getting in step with how God works.
And it might change how you see your debt for good.
So grab a notebook. You're going to want to write this one down.
If you enjoyed this, we'd love to invite you to apply for our Mission Driven Millionaire cohort starting soon - can you learn more at: https://seedtime.com/apply
 
What We Cover
Here's a little of what we cover in this episode:
The 5-step biblical pattern we found hiding in a story most people skim past
Why the widow almost missed her own miracle (and how we almost missed ours)
The one line in this story that changes what "faith" actually means for your money
A simple way to tell if an idea is from God or just your own anxiety talking
The real story behind how we paid off all our debt, starting with a blog making $100 a month
Why "getting out of debt" was never supposed to be the finish line
What happened when one of our own financial mentors told us we were making a huge mistake
 
Bible Verses Mentioned
2 Kings 4:1-7
Proverbs 3:9-10
Proverbs 11:14
2 Chronicles 7:14
Ephesians 3:20
 
Resources Mentioned
Simple Money, Rich Life
Mission Driven Millionaire program
True Financial Freedom course
 
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.

When money is tight, a sneaky thought creeps in.
If God was really pleased with me, wouldn't this be easier?
I have wrestled with that question myself more times than I can count.
So in this episode, Linda and I get honest about whether financial struggle means God is displeased with you.
We talk about what blessed actually means, and why comparing your finances to everyone's highlight reel is a trap.
We share seasons where we did everything right and money was still hard.
And we look at why adversity might actually mean you're on the right path.
This is for anyone quietly asking, am I doing something wrong?
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
Here's a little of what we cover in this episode:
The question almost every Christian asks about money but never says out loud
Why your definition of blessed might be working against you
The surprising salary that puts you in the top 1% of the world
What seed time and harvest reveals about seasons that feel stuck
Why adversity is not a sign that God is withholding blessing
The advice I come back to every time I don't know what to do next

Bible Verses Mentioned
Galatians 6:9
Romans 8:28
 
Resources Mentioned
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.

I used to hate everything about our finances.
Then one thing changed and paying bills actually became fun.
That thing is margin.
Margin is the gap between what you earn and what you spend.
It might look small, but that gap is where the freedom lives.
In this session from our Mission Driven Millionaire cohort, Linda and I dig into why building margin might be one of the most spiritual things you ever do with your money.
We look at Joseph in Genesis 41 and how he made a plan before the famine came.
We look at the ant in Proverbs 6 and what it teaches us about saving.
And we talk about the two ditches: living paycheck to paycheck with no margin, and building bigger barns out of fear.
Plus how the Real Money Method helps you create margin so you can say yes when God says go.
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
Here's a little of what we cover in this episode:
The money habit I now believe is one of the most spiritual things you can build
Why the gap between what you earn and what you spend is where freedom lives
What Joseph knew about abundance that most of us completely miss
The two ditches almost everyone falls into with saving money
The heartbreaking reason one man had to turn down his calling
What the ant can teach you about your bank account
The prayer Linda and I prayed the night before this session
 
Bible Verses Mentioned
Genesis 41
Proverbs 6:6-8
 
Resources Mentioned
Mission Driven Millionaire program
Real Money Method course
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.

Three different doctors told her she should be dead.
She is still here, and still hosting live radio.
For over three decades, Susie Larson fought Lyme disease and mold toxicity.
It left seven areas of brain damage.
She lost words on the air and forgot how to spell.
At her lowest, IV bags filled the fridge where the groceries should have been.
Her family had no money for food while their friends bought second homes.
But something grew in the middle of all that pain.
She learned how to trust God when the breakthrough was nowhere in sight.
In this episode, Susie joins Linda and me to talk about her new book, More Than You Can Imagine.
We dig into the real difference between faith and "name it and claim it."
We talk about speaking God's Word over your money, your health, and your family.
I also share the story of declaring life over our newborn son when he would not breathe.
This one is about money, faith, healing, and what God actually does when you keep trusting Him.
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.
 
Timestamps
0:51 Why this conversation felt like a divine appointment
3:14 Three decades of Lyme disease, mold, and losing words on live radio
4:23 The wandering lamb and the two ways we drift from God
12:50 The bold stranger who told Susie not to quit, then vanished
16:04 Broke and sick, learning to say "let the weak say I am strong"
21:38 The longest 90 seconds: declaring life over a baby who would not breathe
24:15 Why telling a hurting person to "just say it" can backfire
32:41 Who Susie wrote More Than You Can Imagine for
 
What We Cover
Here's a little of what we cover in this episode:
What three decades of chronic illness taught Susie about trusting God
The real difference between faith and the "name it and claim it" trap
Why some Christians end up making an idol out of their pain
The strange encounter that stopped Susie from walking away from her calling
What being broke and sick at the same time taught her about God as provider
The prayer I prayed over our son when the room went silent
What God does when you keep trusting Him with no results in sight
 
Bible Verses Mentioned
Ephesians 3:20-21
Joel 3:10
John 7:38
John 13:3-5
Romans 4:17
2 Corinthians 4:13
Hebrews 11:38
Mark 11:23
 
Resources Mentioned
Free book offer
More Than You Can Imagine by Susie Larson
Susie Larson Live (her radio show and podcast)
SusieLarson.com
 
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.