SeedTime with Bob and Linda Lotich

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  How to Know If Money Has Become Your Idol (Jesus is King with Bryan Harris - Part 1) 11.09.2026 42мин

  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.
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  The Biblical formula for paying off debt miraculously fast 04.09.2026 1ч 13мин

  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.
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  Does Financial Struggle Mean God Is Displeased? (The Honest Answer) 28.08.2026 16мин

  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.
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  Jesus Warned About Saving Money the Wrong Way 21.08.2026 12мин

  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.
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  How to Keep Trusting God When the Answer Doesn't Come (w/ Susie Larson) 14.08.2026 36мин

  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.
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  Why You Never Feel Like You Have Enough (and How to Fix It) 07.08.2026 21мин

  Almost nobody actually feels like they have enough. Not really. We chase more money, more space, more results, and the finish line keeps moving. So why does that happen? And how do you actually fix it? In this episode Linda and I dig into contentment and the real reasons so many of us feel like we never have enough. We talk about the secret Paul learned while sitting in prison. We break down three quiet causes: comparison, focusing on what you don't have, and never defining what "enough" even means. Then we get practical with steps like starting a gratitude practice, giving when you feel like you can't, building a survival budget, and letting go of money's grip on your heart. This one is about finding peace with what God has already put in your hands. 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: Why "eternity in our hearts" leaves us always wanting more The one habit that lets comparison in the door How focusing on what's missing only makes it grow The moving goalpost that keeps you from ever feeling set The season Bob now calls one of the best things that ever happened to him A simple gratitude exercise you can start today Why giving breaks a scarcity mindset What "you cannot serve God and money" looks like in real life   Bible Verses Mentioned Philippians 4:11-13 Ecclesiastes 3:11 2 Corinthians 10:12 1 Corinthians 12 2 Corinthians 3:18 Ephesians 1:18 James 1:4 Genesis 32 Philippians 4:8 Romans 8:5 2 Corinthians 10:5 Mark 9:35 Matthew 6:24 Matthew 6:25-34 Colossians 3:3 1 John 1:9   Resources Mentioned Simple Money, Rich Life True Financial Freedom   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.
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  Why You Can't Stick to a Budget (10 Real Reasons) 31.07.2026 27мин

  If your budget keeps falling apart after two weeks, it's probably not your fault. I used to think I was just bad with money. Then I realized the budget itself was the problem, not me. In this episode, Linda and I walk through 10 reasons budgets break and what to do instead. We cover zero-based budgeting, unrealistic numbers, tracking expenses, and the credit card mistake almost everyone makes. We also share why building fun into your budget is one of the biggest secrets to actually sticking with it. And you'll hear how one person cut their spending in half by doing one simple thing. 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 real reason 80% of budgets fail (it's not discipline) Why most people who say they budget actually don't The one habit that helped someone cut spending by 50% without changing anything else The credit card rule Linda and I follow that keeps us out of trouble The "gotta have it now" tax you're probably paying every month Why a miserable budget is a broken budget The Amazon cart trick I use to stop impulse buys   Resources Mentioned Real Money Method course 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.
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  Simple Money, Rich Life Just Hit 100k (Here's the Story We've Never Told) 24.07.2026 36мин

  We just sold the 100,000th copy of a book I almost didn't write. Back in school, English was my worst subject. Teachers basically told me writing wasn't for me. So when I felt God nudging me to write Simple Money, Rich Life, I pushed back hard. I even hired someone else to write it for me. But God kept saying, "You need to write this." What came next was four years of prayer, a COVID curveball, a publisher who scrapped our whole concept, and an editing process that nearly wrecked us. Sales started slow. Then the ad budget got pulled. I walked around a lake 100 times asking God if it was over. Then things slowly started to turn. This is the behind the scenes story of how a book about biblical money, giving, and stewardship reached 100,000 copies sold. It is really the story of 100,000 answered prayers. 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 reader message that brought us to tears Why I almost let someone else write the whole book The prayer habit we started before any of this made sense The publisher demand that felt like losing an arm What Mark Batterson told me that changed how I measure success The lowest moment, and the lake I walked around 100 times The simple thing we started doing with every book we shipped What 100,000 copies really represents   Bible Verses Mentioned Hebrews 11:1 Exodus 4:10 1 Corinthians 1:27 Acts 19:11-12 Matthew 25:21   Resources Mentioned Simple Money, Rich Life True Financial Freedom   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.
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  Should Christians Invest in Evil Companies? 17.07.2026 14мин

  Most of us have no idea what our retirement money is actually funding. A few years ago I started wondering if some of mine was supporting things I would never support on purpose. So in this episode, I answer a question I get all the time. Should Christians invest in companies that conflict with their faith? I walk through the two main approaches: biblically responsible investing and buying in to influence a company from the inside. I share the question I ask before buying any individual stock. And I reveal the spending blind spot that might matter even more than your portfolio. Strong believers land on both sides of this one, so we're not going to pretend it's simple. 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 uncomfortable question I finally had to ask about my own investments Two completely opposite approaches Christians take (both from strong believers) The one question I ask before buying any individual stock Why boycotting a stock might matter less than you think The everyday habit that funds companies far more than any shareholder does The story behind the shirt I'm wearing and the 50 cent wage that inspired it   Bible Verses Mentioned Romans 3:23   Resources Mentioned 10x Investing course Real Money Method 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.
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  7 Biblical money principles most Christians never hear (but should) 10.07.2026 35мин

  Most Christians have heard the money advice about tithing and getting out of debt. But there are money principles in the Bible almost nobody teaches. And often times they are the ones that change everything for us!!! So in this episode Linda and I walk through 7 biblical money principles most Christians never hear. They come straight out of Scripture, a lot of it from Proverbs. Just so we are clear, these are not just financial tips. This is an architecture for a financially strong life that honors God. If you enjoyed this episode, 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 garden lesson behind first fruits giving Why willpower fails and automation wins The one thing almost nobody actually tracks What "the borrower is slave to the lender" really means for you The Bible verse that called for diversification thousands of years ago Why margin might be the unsung hero of your finances The parable that explains why God starts you small How to be content and ambitious at the same time   Bible Verses Mentioned Proverbs 3:9 Proverbs 6:6-8 Proverbs 22:7 Proverbs 27:23 Ecclesiastes 11:2 Luke 14:28 Matthew 25:14-30 Luke 19:11-27 Luke 12:16-21 Genesis 13:2 Genesis 41 Deuteronomy 15 Haggai 1:9 Isaiah 55:9 James 1:22 Hebrews 4:15 2 Corinthians 8:9 Acts 2:44-45   Resources Mentioned Real Money Method True Financial Freedom Simple Money, Rich Life   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.
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  Lisa Bevere on Marriage, Money, and Why Men and Women Were Never Meant to Be Enemies 03.07.2026 54мин

  She paid cash to deliver two of her babies. She had no insurance and almost no money. So Lisa Bevere did it using the stock market. That is just one of the wild stories she told us. Today, Lisa and her husband John have given away more than 60 million books in over 150 languages. But they started out broke, praying about whether they could afford a fax machine. In this episode, Lisa sits down with Linda and me to talk about marriage, money, and faith. She shares the moment in the shower that changed her marriage forever. We talk about why men and women were never meant to be enemies. She explains the kind of "giving" message that makes her walk out of the room. And she tells us about the million-dollar gift that fell through, and the surprise that showed up instead. This one is about biblical stewardship, generosity, marriage, and trusting God as your real source.   Timestamps 0:00 Why they'd rather give their money to their kids than the bank 15:12 The shower moment that turned John from a boy into a man 24:56 The "erase the whiteboard" trick that ends their money fights 35:25 How Lisa paid cash to deliver her babies with no insurance 37:09 The kind of "giving" message that makes Lisa walk out 49:05 The million-dollar pledge that vanished, and what came instead 1:13:50 How they raised four sons who love God and handle money well 1:20:59 The one message Lisa wants you to take from her book   What We Cover Here's a little of what we cover in this episode: How Lisa paid cash to deliver her babies with no insurance The shower moment that changed her marriage Why she says men and women were never meant to be enemies The kind of "give to get" message that makes her walk out of the room What happened when a million-dollar pledge fell through How they give away more books than they sell and still aren't broke What they did to protect their marriage after watching a pastor fall How they raised four sons who love God and handle money well   Bible Verses Mentioned Ephesians 3:20 Ephesians 6:12 Deuteronomy 8:18 Malachi 2:14-15 Malachi 3:16 Proverbs 21:9 Proverbs 31:16 Genesis 26:12 Matthew 6:26 2 Corinthians 9:7 John 17:21 1 Corinthians 15:37-38 Hebrews 4:15 Matthew 25:14-30 Revelation 12:17 Revelation 21:8 Psalm 51:7 Psalm 51:13   Resources Mentioned Lisa Bevere's new book The Fight for Female Messenger International (John and Lisa Bevere's ministry) The Awe of God by John Bevere Introduction to the Holy Spirit by John Bevere   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.
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  5 Biblical Investing Secrets Most Christians Have Completely Missed 26.06.2026 30мин

  >>> First, grab the guide I told you about in this episode: How to become a millionaire even on an average salary A few years ago we sold off some Tesla stock to pay off our second house. If you run the math on what that stock would be worth now, the result is honestly brutal. But I felt the Lord tell me clearly to do it. And looking back, I think I see exactly why He said what He said. In this episode Linda and I walk through five biblical investing secrets most Christians have completely missed: the verse Solomon wrote down 3,000 years before a man named Harry Markowitz won a Nobel Prize for the same idea, why God rebuked a servant in Matthew 25 for playing it too safe, the Bible verse that describes Warren Buffett's entire patient-compounding strategy, the move every wealth advisor still preaches that came straight from Joseph in Genesis 41, and the generational vision in Proverbs that reframes a lot of what most Americans get wrong about money and family. 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 God rebuked a servant in the Bible for NOT investing (and most Christians have missed it) The investing principle Solomon wrote down 3,000 years before Wall Street figured it out Why "boring" is the actual investing strategy (and the lottery winner stat that proves it) The Bible verse that describes Warren Buffett's entire investing strategy The Joseph blueprint that every wealth advisor still preaches today The "vitamin K on day 8" principle that shows how specific God's instructions really are The Tesla stock decision Bob can't undo (and why he is at peace with it anyway) Why generational wealth without character is dangerous (and how to do it the other way)   BIBLE VERSES MENTIONED Matthew 25 (Parable of the Talents) Luke 19:23 Ecclesiastes 11:2 Proverbs 13:11 Genesis 41 (Joseph and the seven years) Proverbs 13:22   RESOURCES MENTIONED 10x Investing (use code PODCAST for a discount) Grab the guide I told you about in this episode: (How to become a millionaire even on an average salary)   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.
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  The Prayer That Paid Off Our Mortgage 19.06.2026 31мин

  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.
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  What We Actually Believe About Tithing (After 15 Years of Avoiding This) 12.06.2026 44мин

  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.
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  We Let a Church Ask Us Anything About Money (Here's What They Actually Wanted to Know) 05.06.2026 36мин

  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.
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  Matt Chandler: I Won't Even Let Billionaires Bless Me (Here's Why) 29.05.2026 22мин

  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.  
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  THIS is how we gave $1 Million 21.05.2026 10мин

  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.
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  The 4 Stages of Money (And Why Most People Get Stuck in Stage 2) 15.05.2026 20мин

  37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost nothing to do with how much we make. Linda and I have coached people pulling in $250k who are dead broke. We've watched a $20,000 raise get absorbed by lifestyle inside six months and leave them exactly where they started. The problem isn't income. The problem is that most of us are working hard on the wrong math problem. In this episode we walk through the four stages of money (surviving, stable, secure, and surplus) and the one mistake almost everybody makes when they try to jump from one stage to the next. We get into why "boring" is the actual investing strategy, why we wish we wouldn't have taken the raise, the bank-manager story that explains why the system is rigged against people in stage one, and the moment we finally figured out that the move that got us from stage one to stage two was the exact same move keeping us stuck in stage two for 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: The stat that proves your financial stage has almost nothing to do with your income The 4 stages of money and how to know which one you're actually in The one mistake almost everybody makes trying to jump from one stage to the next Why a $20k raise can leave you with the same $0 left at the end of the month The bank manager story that exposes how the system is rigged against people in stage one Why "boring" is actually the right investing strategy at stage three The Elon-Musk-doesn't-mow-his-own-lawn principle most people get backwards Why willpower-based budgeting always fails (and what to do instead)   BIBLE VERSES MENTIONED Matthew 14:13-21 (referenced. The five loaves and two fish. "You bring it to me and I'll multiply it.")   RESOURCES MENTIONED Mission-Driven Millionaire cohort Simple Money, Rich Life (the book) Free book offer   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.  
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  The 17 Investments I Actually Own (Full Portfolio Reveal) 08.05.2026 30мин

  In this episode I walk through our entire 2026 investment portfolio: every account, every position, and exactly what I'm doing with our money. That includes a full update on gold (which has nearly doubled but I genuinely don't care), where we stand with Bitcoin at $65k, why I moved Linda's Roth IRA into a fixed indexed annuity after spending my whole career skeptical of them, our real estate split between Fundrise and Roots, the Tesla concentration problem in our stock portfolio, and what happened when I ran an app that automatically copies Nancy Pelosi's trades for 8 months — including the $1,500 I put in and the 12.4% it returned. 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 Christian fund I've held for a year that's down 3% while the S&P is up 17% — and why I'm not selling The app that automatically mirrors Nancy Pelosi's stock trades (Trump mentioned her record in the State of the Union) Why gold has nearly doubled — and why I genuinely don't care The Tesla concentration problem in our stock portfolio that every rebalancing strategy says to fix (but I won't) Why I spent my whole career skeptical of annuities — then moved Linda's Roth IRA into one What we're actually putting in crypto right now, and why 80% of it is in one coin Why I want as few US dollars as possible right now — and what I'm holding instead   BIBLE REFERENCES Parable of the Talents (Matthew 25)   RESOURCES MENTIONED Sound Mind Investing (FCTE / Full Cycle Trading Fund) Roots Fundrise Innovation Fund Alto IRA OneGold Autopilot app Webull   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.
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  He Burned Out as a Pastor (Then Discovered this…) w/Mark Buchanan 01.05.2026 56мин

  Most of us have quietly convinced ourselves that busy-ness is a badge of honor. Mark Buchanan believed the same thing — until it almost cost him his health, his marriage, and his connection with God. And what he found on the other side of that is something the modern church has almost entirely stopped talking about. In this conversation, Linda and I sit down with Mark Buchanan — author of The Rest of God, God Walk, and his new historical fiction novel What Is Left of the Night — to talk about why busyness kills the heart, what Sabbath really means as more than a day, how walking is a deeply spiritual practice woven all through Scripture. His book The Rest of God is what started our practice of monthly sabbaticals 13 years ago, and this conversation took us somewhere we didn't expect.   WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: Why Mark nearly burned out as a pastor — and how discovering Sabbath saved his marriage and his ministry Why Sabbath isn't just about a day of the week — it's an attitude and a way of seeing everything The phrase "busyness kills the heart" and what it actually looks like in your everyday life How Bob and Linda's 13-year practice of monthly sabbaticals grew out of one book — and led to a full year off The spiritual practice of walking, and the surprising number of times it shows up in Scripture Mark's new historical fiction novel about a French village that protected 2,500 Jews during WWII with zero casualties What connects Sabbath, walking, and a village that simply refused to live by the world's rules   RESOURCES MENTIONED Mark Buchanan's Books: The Rest of God God Walk What Is Left of the Night   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.