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SeedTime with Bob and Linda Lotich

Bob Lotich, Linda Lotich
SeedTime with Bob and Linda Lotich
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  • SeedTime with Bob and Linda Lotich

    The One Verse God Said to Remember (That Everyone Forgot)

    27/03/2026 | 27 mins.
    In all of Scripture, there are only a handful of times when God explicitly tells us to "remember" something. Each time, it's attached to something vital—communion, Christ's resurrection, where we've fallen. But there's one verse where God commands us to remember a principle that much of the church seems to have forgotten entirely.
     
    In this episode, Bob and Linda explore 2 Corinthians 9:6: "Remember this—a farmer who plants only a few seeds will get a small crop, but the one who plants generously will get a generous crop."
     
     
     
    Key Topics Discussed:
    Why This Verse Matters
    How God uses the word "remember" throughout Scripture for critical truths

    The context of 2 Corinthians 8-9 and its focus on generous giving

    Why this principle of sowing and reaping has been pushed aside by many believers

     
    The Enemy's Strategy
    How biblical principles get twisted and weaponized

    The 1980s prosperity gospel backlash and its lasting impact

    Two ditches to avoid: manipulation on one side, scarcity mindset on the other

     
    Getting Your Heart Right
    The crucial difference between giving to people versus giving to the Lord

    How to avoid being manipulated while still embracing biblical generosity

    Why you can love your church and still have questions

     
    The Multiplication Principle
    From Genesis to today: God's design for abundance

    The apple seed illustration that proves God's multiplication DNA

    How one butterfly's wings can literally change the world

    Why quiet faithfulness often shapes culture more than loud voices

     
    What Happens When We Forget
    Generosity becomes optional instead of formative

    Fear replaces faith

    We settle for what we can maintain in our own strength

    Our expectations of God begin to shrink

     
    Quotable Moments:
    "God doesn't command that we remember something that is trivial."
    "When you give to the Lord, that's when you can see the harvest. When you are giving to a person, they can't give you a harvest."
    "It's easy to be a voice... but there are so many people quietly shaping the culture of their nation."
    "The butterfly can flap its wings here in Tennessee and literally over in Australia there can be a hurricane—that is how God created things."
     
     
    Challenge:
    Don't let the enemy's twisting of Scripture cause you to forget what God told you to remember. Sowing and reaping isn't just about farming or fundraising—it's about how God designed His entire creation to multiply. Every smile at the coffee shop, every dollar given in faith, every child raised in love has exponential Kingdom impact.
     
     
    The question isn't whether God's multiplication principle is real. The question is: are you partnering with it or have you forgotten it entirely?
     
     
     
    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/ls_6kLhS2rY)!
     
    If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.
  • SeedTime with Bob and Linda Lotich

    Why I think God hates our money system (and what to do about it)

    20/03/2026 | 29 mins.
    Is our money system actually working against faithful stewardship?
     
    In this episode, Bob and Linda tackle a conversation almost no one in the church is having—but one every Christian steward needs to understand.
     
    Bob opens with a shocking reality: $100 in 1971 now buys about $12 worth of stuff. Same number. Far less value. So what happened?
     
    From there, the conversation zooms out to explore inflation, fiat currency, and why Scripture repeatedly condemns unequal weights and measures. Is our modern money system quietly violating biblical principles—and if so, what should believers do about it?
     
    This isn't about fear, conspiracy theories, or predicting the end of the dollar. It's about wisdom, stewardship, and preserving the value of what God has entrusted to us so we can live generously and faithfully over the long term.
     
     
    In this episode, we cover:
    Why saving money can feel like running on a treadmill

    What changed in 1971—and why it matters to your everyday life

    The biblical problem with "unequal weights and measures" (Proverbs & Amos)

    Why fiat currency quietly erodes purchasing power over time

    How money worked in the Bible: weight, scarcity, and real value

    Why Bob views gold as a store of value, not an "investment"

    How Bitcoin compares to gold (and why Bob separates it from other crypto)

    The hidden danger of keeping all your savings in cash

    How volatility differs from slow, invisible loss

    Why this conversation is ultimately about generosity and kingdom impact

     
    Key Scriptures (NLT):
    Proverbs 11:1 – "The Lord detests the use of dishonest scales…"

    Proverbs 20:10 – "False weights and unequal measures… are detestable to the Lord."

    Amos 8:5–6 – God rebukes those who manipulate money for gain

    Genesis 23:16 – Abraham pays with weighted silver

    Exodus 30:13 – Money measured by the sanctuary shekel

    Genesis 2:11–12 – Gold appears early in creation—and God calls it good

     
    Go deeper:
    If you want a deeper, step-by-step breakdown of how Bob thinks through gold, Bitcoin, and long-term investing from a Christian perspective, check out the 10x Investing Course mentioned at the end of the episode (https://seedtime.com/10x).
     
    The heart of this episode
    This isn't about gold or Bitcoin being a "savior." God is our provider—always. But wisdom matters. If money quietly loses value every year, that affects families, retirees, and our ability to give generously.
     
    As Bob explains, better stewardship today can mean greater generosity tomorrow.
    Action step for the week:
    Take 30 minutes to review where your savings are currently stored. Pray for wisdom (James 1:5), and ask this simple question:
     
    "Is all of our money sitting in something that loses value over time?"
     
     
    No pressure to act—just awareness, prayer, and learning.
    Important note: This episode is for education and biblical reflection—not personalized financial advice. Always pray and seek wise counsel before making financial decisions.
     
     
     
     
    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/euzv8IC40R0)!
     
    If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.
  • SeedTime with Bob and Linda Lotich

    Your Budget Is Not a Jail Cell—It's a Spiritual Warfare Plan

    13/03/2026 | 32 mins.
    When money is tight, a budget can feel like punishment. Like proof you messed up… or worse, proof your faith is weak.
     
    But what if that's backwards?
     
    In this episode, Bob and Linda flip the script and show why a budget isn't evidence of failure—it's evidence of faith in action. Drawing from Scripture, psychology, and real-life stories, they unpack why budgeting is actually a weapon God gives us in seasons of financial pressure.
     
    If you've ever thought, "If God would just fix this, why do I need a spreadsheet?"—this conversation is for you.
     
     
    In This Episode, You'll Learn:
    Why tight money seasons are normal, not a sign God has forgotten you

    How financial stress literally reduces your brain's capacity—and why structure matters

    The overlooked budgeting lesson hidden in 2 Kings 4 (the widow, the oil, and God's plan)

    Why God's miracles often create margin, but structure makes it meaningful

    How a budget pushes back against chaos, anxiety, and decision fatigue

    What Scripture really says about money, worry, and priorities (Matthew 6, Haggai 1, Philippians 4)

    Why a budget can act as a mirror, revealing where money is leaking

    How real people saw fast wins—even without making more money

     
    Key Scriptures Mentioned (NLT):
    2 Kings 4:1–7 – God's miracle + human participation

    Matthew 6:24–34 – You cannot serve God and money; the cure for anxiety

    Haggai 1:5–7 – Wages put into purses with holes (misaligned priorities)

    Philippians 4:11–13 – Learning contentment in plenty and in need

     
    Big Idea:
    A budget isn't about restriction—it's about alignment.
    It's not a punishment used against you, but a tool placed in your hands.
    When money is tight, God doesn't just say "have more faith."
    He often gives a plan.
     
     
    Action Step for This Week:
    Take inventory.
    Just like the widow in 2 Kings, start by asking: "What do I actually have?"
    Write it down. No judgment—just clarity.
     
     
    Helpful Resources Mentioned:
    Simple Money, Rich Life – The "One Category Budget" (best on-ramp if you've never budgeted) https://seedtime.com/smrl 

    The Real Money Method (UNB budgeting approach) https://seedtime.com/realmoney 
    Visit seedtime.com to learn more.

     
     
    Encouragement If You're Struggling:
    You're not broken.
    You're not behind.
    You're not alone.
    Tight seasons are part of the training—not proof of failure. And a budget might be one of the most practical acts of worship you can make right now.
     
     
     
    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/VW6BGb25wCk)!
     
    If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.
  • SeedTime with Bob and Linda Lotich

    You're Meaner to Yourself Than God Is to You (w/ Earl McClellan)

    06/03/2026 | 57 mins.
    Get Your Spirit Back: Breaking Free from the Lies Holding You Back - with Pastor Earl McClellan
    What if the biggest thing holding you back isn't your circumstances… but the lies you've believed about yourself?
     
    In this powerful, deeply honest conversation, Bob & Linda sit down with Pastor Earl McClellan, lead pastor of Shoreline City Church and author of Get Your Spirit Back, to talk about negative self-talk, fear, calling, identity, and what it really looks like to walk by faith when you're scared.
     
    This isn't a hype-up, "just believe harder" episode. It's a grounded, biblical, and deeply human conversation about doing what God's calling you to do even when you don't feel qualified — and learning to see yourself the way God sees you, not the way others have labeled you.
    If you've ever felt stuck, hesitant, intimidated, or like you're living beneath your potential, this episode is for you.
     
     
    In This Episode, You'll Learn:
    The two powerful questions God asks repeatedly in Scripture — and why they change everything

    How negative self-talk creates "self-made prisons" (and how to walk out of them)

    Why Gideon's story resonates so deeply with fear, insecurity, and calling

    What it means to do the hard thing scared — and why that's often real faith

    How other people's words (teachers, parents, leaders) quietly shape our identity

    Why community is essential for spiritual growth — and why "just me and God" isn't enough

    How to handle criticism, misunderstanding, and being judged for your motives

    The difference between humility and shrinking back from what God has asked you to do

    A powerful picture of laying down both criticism and praise before God

     
    Key Moments & Themes:
    "Who told you?" — Identifying the source of the lies you're believing

    Earl's upbringing with a single mom and how God used unlikely environments to shape his calling

    The freedom that comes from realizing you cannot control how others perceive you

    Why tearing down old "altars" from your past is part of stepping into your future

    The danger of listening to voices that don't have authority in your life

    Learning to accept God-given responsibility without turning it into pride

     
    A Quote You'll Want to Sit With:
    "The pride isn't stepping forward — the pride is refusing to step into what God has asked you to do."
     
    Action Step for This Week:
    Ask God — honestly and quietly — these two questions:
    "Where am I really?"

    "Who told me this about myself?"

    Then, share what comes up with one trusted, godly person in your life. Don't process it alone.
     
     
    Resources Mentioned:
    Get Your Spirit Back by Earl McClellan - https://www.amazon.com/Get-Your-Spirit-Back-Self-Talk/dp/0593445643

    The story of Gideon (Judges 6–7, NLT)

    Revelation 4 (the elders laying down their crowns)

     
    Final Encouragement:
    You don't have to feel ready.
    You don't have to feel confident.
    You just have to be willing.
     
    God isn't asking you to be fearless — He's asking you to be faithful.
     
     
    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/Yahvsl-ry0I)!
    If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.
  • SeedTime with Bob and Linda Lotich

    Does a Church Salary Always Corrupt Pastors? (This Guy Says Yes)

    27/02/2026 | 57 mins.
    A viral clip claims something shocking: any pastor who gets paid by a church will eventually be corrupted by money.
     
    It's a bold accusation — and honestly, harder to dismiss than you might think.
     
    In this episode, Bob and Linda watch the clip, slow it down, and wrestle with the real tension underneath the claim. Is the modern church system broken? Does money inevitably compromise spiritual leadership? Or is this another example of painting faithful people with too broad a brush?
     
    This conversation isn't defensive or dismissive. It's thoughtful, biblical, and honest — especially for anyone who's experienced church hurt, wrestled with money in ministry, or wondered how pastors are actually supposed to live.
     
     
    In this episode, we discuss:
    The viral argument that "no pastor escapes being corrupted by church money"

    Why temptation does not equal sin — for pastors or anyone else

    How this logic breaks down when applied to everyday work and income

    Why most pastors are not in ministry for the money (and the real stats behind pastor burnout)

    The unseen pressures pastors carry — isolation, expectations, and spiritual attack

    What the Bible actually says about paying those who preach the Gospel

    Paul's tent-making example — and what it does (and doesn't) prove

    Why rest, Sabbath, and sabbaticals may be more of the solution than changing pay structures

    How church hurt can quietly turn into distrust of God if we're not careful

    What it looks like to give pastors grace without excusing real abuse

     
    Key Scriptures referenced (NLT):
    "The Lord has commanded that those who preach the Good News should be supported by those who benefit from it." — 1 Corinthians 9:14

    "Teach those who are rich in this world not to be proud and not to trust in their money." — 1 Timothy 6:17

    "You cannot serve both God and money." — Matthew 6:24

     
    A key takeaway:
    Money creates tension — but tension doesn't automatically lead to corruption. The real danger comes from isolation, burnout, lack of accountability, and forgetting how deeply human our pastors actually are.
     
    If you've ever wondered whether the church can handle money faithfully — or whether pastors can be trusted at all — this episode offers a more hopeful, biblically grounded way forward.
     
     
    If this episode encouraged or challenged you, share it with someone who loves the Church but struggles with trust.
     
    And if you're a pastor listening: you are not alone, you are not invisible, and you are not wrong for receiving support as you serve God's people.
     
     
    Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/lXTSQrNK9wE)!
    If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 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 https://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.

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About SeedTime with Bob and Linda Lotich

Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. Learn to simplify, automate, multiply & get full control of the money God's entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose. Oh and we have a different take on money than most financial experts. We aren't going to judge you for your past mistakes and we haven't forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn't the goal, but is simply a tool that can be used to fulfill what God has called us to do. We help you spend less time thinking about money while getting better results. The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to: - paying off $400k of debt - eliminating all guilt and shame with money - building multiple streams of passive income - honoring God with our finances - learning how to save & invest wisely - having financial unity in our marriage - giving $1 million by age 40 Occasionally, we interview guests like John Mark Comer, Mark Batterson, Levi Lusko, Annie F. Downs, Joshua Becker, Jamie Winship, Carlos Whittaker, Crystal Paine, Jordan Raynor, and other Biblically-minded Christian thought leaders as we seek to connect our faith with our real lives. And if you like what you hear on the podcast, consider diving deeper with us by grabbing our award-winning book 'Simple Money, Rich Life' or take your spouse or church small group through our 6-week on-demand workshop 'True Financial Freedom'. Find out more at https://seedtime.com/
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