SeedTime with Bob and Linda Lotich

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.

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.

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.

>>> 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.

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.