(💸33/40)The 50/50 Rule: How To Turn Every Raise Into Both Wealth and Impact Without Feeling the Pinch

SeedTime Money (Christian living & Personal Finances)

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Kandungan disediakan oleh Bob Lotich, Certified Educator in Personal Finance, Bob Lotich, and Linda Lotich. Semua kandungan podcast termasuk episod, grafik dan perihalan podcast dimuat naik dan disediakan terus oleh Bob Lotich, Certified Educator in Personal Finance, Bob Lotich, and Linda Lotich atau rakan kongsi platform podcast mereka. Jika anda percaya seseorang menggunakan karya berhak cipta anda tanpa kebenaran anda, anda boleh mengikuti proses yang digariskan di sini https://ms.player.fm/legal.

TechSurge: Deep Tech VC Podcast

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Understanding the Elegant Math Behind Modern Machine Learning 1:14:43

2 days ago1:14:43

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Senarai

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1:14:43

Artificial intelligence is evolving at an unprecedented pace—what does that mean for the future of technology, venture capital, business, and even our understanding of ourselves? Award-winning journalist and writer Anil Ananthaswamy joins us for our latest episode to discuss his latest book Why Machines Learn: The Elegant Math Behind Modern AI . Anil helps us explore the journey and many breakthroughs that have propelled machine learning from simple perceptrons to the sophisticated algorithms shaping today’s AI revolution, powering GPT and other models. The discussion aims to demystify some of the underlying math that powers modern machine learning to help everyone grasp this technology impacting our lives, even if your last math class was in high school. Anil walks us through the power of scaling laws, the shift from training to inference optimization, and the debate among AI’s pioneers about the road to AGI—should we be concerned, or are we still missing key pieces of the puzzle? The conversation also delves into AI’s philosophical implications—could understanding how machines learn help us better understand ourselves? And what challenges remain before AI systems can truly operate with agency? If you enjoy this episode, please subscribe and leave us a review on your favorite podcast platform. Sign up for our newsletter at techsurgepodcast.com for exclusive insights and updates on upcoming TechSurge Live Summits. Links: Read Why Machines Learn, Anil’s latest book on the math behind AI https://www.amazon.com/Why-Machines-Learn-Elegant-Behind/dp/0593185749 Learn more about Anil Ananthaswamy’s work and writing https://anilananthaswamy.com/ Watch Anil Ananthaswamy’s TED Talk on AI and intelligence https://www.ted.com/speakers/anil_ananthaswamy Discover the MIT Knight Science Journalism Fellowship that shaped Anil’s AI research https://ksj.mit.edu/ Understand the Perceptron, the foundation of neural networks https://en.wikipedia.org/wiki/Perceptron Read about the Perceptron Convergence Theorem and its significance https://www.nature.com/articles/323533a0…

about a year ago 25:24

MP3•Laman utama episod

The most dangerous financial trap isn't overspending. It's comfortable compromise.

After years of telling ourselves "I'll give more when I get my next raise," we discovered a profound truth: Without a system, good intentions evaporate into lifestyle inflation. But through this simple rule, we found a way to increase both our giving AND our financial freedom—without feeling the sacrifice.

In this episode, we share:

The "50-50 Rule" that transformed our approach to raises and windfalls
Why financial "peace" might actually be sabotaging your spiritual growth
The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance)
How we're implementing a radical month-long sabbatical for our entire team

This isn't just another money management strategy. It's a practical framework for breaking free from the gravitational pull of cultural norms around wealth—while still enjoying the fruits of your labor.

Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit.

Resources Mentioned:

"Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp
"Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761
"The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/wcwEgUNKc0U)!

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 600 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.

330 episod

#Religion #Christianity #Business #Daveramsey #Finance #Lotich #Money #Personalfinance #Rachelcruze #Seed #Trading #Bob Lotich, Certified Educator in Personal Finance #Bob Lotich #Linda Lotich #SeedTime #Once Upon a Time

(💸33/40)The 50/50 Rule: How To Turn Every Raise Into Both Wealth and Impact Without Feeling the Pinch

SeedTime Money (Christian living & Personal Finances)

published about a year ago

Kongsi

MP3•Laman utama episod

The most dangerous financial trap isn't overspending. It's comfortable compromise.

In this episode, we share:

The "50-50 Rule" that transformed our approach to raises and windfalls
Why financial "peace" might actually be sabotaging your spiritual growth
The fascinating story of 3rd century Christians who fled to the woods when they got wealthy (and what it teaches us about modern abundance)
How we're implementing a radical month-long sabbatical for our entire team

Whether you're living paycheck-to-paycheck or already practicing generosity, this simple rule could be the key to unlocking both greater impact and personal benefit.

Resources Mentioned:

"Simple Money, Rich Life" by Bob and Linda Lotich - https://seedtime.com/smrl-brp
"Ancient Paths" by Corey Russell - https://www.amazon.com/Ancient-Paths-Corey-Russell/dp/0768442761
"The Opposite Life" by Alex Seeley - https://www.amazon.com/Opposite-Life-Breaking-Through-Living/dp/0785235442
SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/wcwEgUNKc0U)!

330 episod

Semua episod

SeedTime Money (Christian living & Personal Finances)

1
I’m a Financial Expert: Here are 10 Ways I Save on Groceries Every Month 20:19

7 days ago20:19

20:19

Let’s be honest—grocery prices are out of control. If you feel like you’re spending WAY too much on food, you’re not alone. In this episode, we break down 10 practical, no-nonsense ways to slash your grocery bill—without sacrificing the food you love. 🚀Inside this episode, we cover: The BIGGEST grocery store mistake (and how to stop making it) How to meal plan like a pro (even if you hate meal planning) The secret grocery store timing trick that can save you 30%+ Why we stopped using Green Chef (and what we’re doing instead) Costco vs. Aldi vs. Trader Joe’s—what’s ACTUALLY worth it? 📚Resources Mentioned: Article Mentioned - https://finance.yahoo.com/news/m-financial-expert-10-ways-210010177.html Instacart – How we use it to avoid impulse purchases - https://www.instacart.com Green Chef – The meal service we tested (and ditched) - https://www.greenchef.com Gordon Ramsay MasterClass – How Bob leveled up his home cooking - https://www.masterclass.com/classes/gordon-ramsay-teaches-cooking My interview with a Grocery Saving Expert - https://youtu.be/bGxw8p2vhtk?si=GwIqq7u0n3dJjgTX How to Find Grocery Store Sales – A deep dive into the best times to buy. 💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. And, if you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/c3UtEC54STA )! 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 600 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 Money (Christian living & Personal Finances)

1
5 tips for Money and Marriage 32:21

14 days ago32:21

32:21

Money and marriage—two things that can either bring you closer together or create some serious tension. In this episode, we break down 5 key tips to help you and your spouse get on the same financial page, stop the money fights, and build a stronger marriage in the process. 🔎We’re talking about: The #1 mistake couples make with money (and how to fix it fast) How to plan your finances together without it turning into an argument The controversial topic of joint vs. separate accounts—what actually works? Why budgeting isn’t just about numbers—it’s about freedom and alignment The secret sauce that divorce-proofs your marriage (seriously, don’t skip this one) 🎯One big takeaway? Money isn’t just about dollars and cents—it’s about unity, trust, and making sure you’re working as a team. Whether you’re newlyweds or decades into marriage, these tips will help you build a financial plan that strengthens your relationship instead of straining it. 🎙️Listen now and start winning with money AND marriage! 📚Resources Mentioned: His and Her Money Podcast – Hosted by Talaat & Tai McNeely ( hisandhermoney.com ) Chuck Bentley – CEO of Crown Financial Ministries ( crown.org ) Crystal Paine – The Money-Saving Mom ( moneysavingmom.com ) Budgeting Tools – YNAB ( youneedabudget.com ) & EveryDollar ( everydollar.com ) Bible Verses on Money & Marriage – Colossians 2:13-15, Proverbs 3:9-10, Matthew 6:21 👉 Enjoyed this episode? Leave us a review and share it with a friend who needs to hear this! 💫Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/b58UEKRjeKY )! 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 800 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 Money (Christian living & Personal Finances)

1
We Paid Off Our House at 31 (5 Unconventional Money Moves That Made It Happen) 33:47

21 days ago33:47

33:47

How did we crush a 30-year mortgage in just 3 years? We’re breaking down the five unconventional money moves that made this dream a reality—and they might work for you, too. 🔎In this episode, we cover: The radical mindset shifts that changed everything. Why you should never let the bank dictate how much house you can afford. The power of prayer and giving (and how they impacted our finances). Tools and strategies we used to track every dollar (and why most budgets fail). How discovering and monetizing your God-given gifts could be the key to financial freedom. Plus, we’re sharing personal stories, practical tips, and the scripture that guided us on this journey. 📚Resources Mentioned: Simple Money, Rich Life by Bob Lotich: Get a free copy at seedtime.com/free Empower Personal Dashboard: empower.com Rocket Money App: rocketmoney.com Real Money Method - Learn more on: SeedTime.com/realmoney 👉 Don’t forget to leave a review—it helps more people hear this life-changing message! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/_K1ri6q_Kbo )! 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 600 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 Money (Christian living & Personal Finances)

1
Why Heaven Uses Gold As Pavement & What It Means For Your Money Today 10:38

28 days ago10:38

10:38

In this episode, we’re diving deep into an astonishing truth about Heaven’s streets of gold and what it teaches us about abundance, provision, and God’s priorities. Spoiler: Heaven’s economy makes Earth’s GDP look like pocket change. But more importantly, it reshapes how we view money, trust, and the infinite resources of God. 🔎Here’s what you’ll learn: The mind-blowing value of Heaven’s streets (hint: 67 quintillion dollars worth of gold). Why God uses gold as pavement and what it tells us about His priorities. A.W. Tozer’s insight on the most important thing about you. How understanding God’s abundance can change your financial perspective. Practical encouragement for trusting God through financial struggles. 📚Resources Mentioned: Simple Money, Rich Life (Get your free copy!): seedtime.com/smrl Bible References: Revelation 21, Matthew 6:26, Philippians 4:19. More about Heaven’s streets of gold: Revelation 21 👉 If this episode encouraged you, share it with someone who needs hope today! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/GOmsHYD2fTw )! 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 600 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 Money (Christian living & Personal Finances)

1
If you have more than $1k in your bank account, make these 6 moves 16:56

5 weeks ago16:56

16:56

In this episode of the SeedTime Money Podcast, we’re breaking down 6 game-changing money moves you can make with just $1,000. Whether you’re hitting this financial milestone for the first time or you’re ready to maximize your savings, these steps will help you make smarter decisions with your money today. 🔎 I’ll Cover: A passive way to dip your toes into real estate investing with just $10 (yes, seriously). Why keeping your money in a high-yield savings account is a no-brainer (and how to pick the best one). How investing in your financial education can literally change your life. A free tool to calculate when you’ll be able to retire and stay on track. Why the right credit card can actually work in your favor. How to protect your money from fraud and hackers (don’t skip this step!). 💡Resources Mentioned: Fundrise: A simple way to invest in real estate – https://seedtime.com/fundrise-1000 CIT Bank: High-yield savings account – https://seedtime.com/cit-1000 Motley Fool Investing Course: https://seedtime.com/motley-1000 SeedTime's 10X Investing Course - https://seedtime.com/10x Empower Retirement Planner: https://seedtime.com/pc-1000 Chase Sapphire Preferred Credit Card: https://seedtime.com/sapphire-1000 LifeLock Identity Protection: https://seedtime.com/lifelock-1000 BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). 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 600 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 Money (Christian living & Personal Finances)

1
How to start a $10K/month coaching business in 2025 1:02:10

6 weeks ago1:02:10

1:02:10

If you’ve ever thought, ‘I’ve been through something life-changing—I need to share this,’ then stop scrolling. This episode is for you. We’re diving into an exclusive workshop with Bryan Harris, one of the sharpest entrepreneurs I’ve ever met, who has built a blueprint for turning your personal transformation into a $10,000/month coaching business. This isn’t fluff. It’s a proven process built on real-world experience and a decade of helping others succeed. Get ready for mindset shifts, strategies that actually work, and a step-by-step guide to turning your vision into reality. 🔎We’ll Cover: Why high-ticket coaching is simpler and more impactful than the traditional low-ticket model. The two distinct business models: Low ticket (mass market) vs. high ticket (intimate, transformational). Biblical principles for success in coaching and business, including wisdom from Proverbs and Jesus’ example of going deep with 12 disciples. Why one type of person is WAY easier to sell to and how to create offers that provide massive value. The TAP framework: How to turn your experience into a high-ticket coaching offer with this simple framework Real-life success stories from unconventional coaching industries, like board game creation, ballroom swing dancing, and natural veterinary care. Practical exercises to identify and overcome fears holding you back. How to discern if coaching is your God-given calling and whether it’s the right time to start. 📚Resources Mentioned: Free Strategy Session: Schedule a one-on-one coaching session with Bryan's team to clarify your vision and create a personalized plan - GrowthTools.com/Bob You’ll get two free resources for scheduling! ‘High-Ticket Offer’ Template: A step-by-step guide to creating your first high-ticket coaching offer. How to Get $10K Clients Cheat Sheet: Proven marketing strategies to attract high-ticket clients—even if you’re bad at marketing. Bible Verses Mentioned: Proverbs 1–9: The importance of wisdom and choosing the right voice. James 1:5: “If you lack wisdom, ask God, and He will give it generously.” Jeremiah 33:3: “Call to me, and I will answer you and tell you great and unsearchable things you do not know.” 🎯Action Steps: Pray and ask God if coaching is the right step for you. Reflect on the transformation you’ve experienced in your life—this is the foundation of your coaching offer. Use the free tools provided in the episode to create your first offer and marketing plan. Take the first step: Schedule a free strategy session to refine your vision and start building your business. 👉 Listen now and start building your $10K/month coaching business today! 🎙️ Connect with us: Have ideas or tips of your own? Send us a DM on Instagram @SeedTime or email me at: bob@seedtime.com. If you enjoyed this episode, make sure to subscribe and share it with a friend who needs to hear this! BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/UOdpcehveJU )! 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 600 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 Money (Christian living & Personal Finances)

1
Why Your Business Bank Account Is Holding You Back (and how to fix it with Relay) 27:54

7 weeks ago27:54

27:54

I get asked all the time by listeners like you "Hey Bob, what business bank account do you use?" Well, in today’s episode, we’re diving into the banking solution that was a life-saver for me and that I believe every business owner should know about: Relay Bank. If you've been struggling with fees, bad customer service, or outdated systems at your current bank, this episode is for you. Here’s What We Cover: My frustrating 17-year journey with business banking (and how I finally found the solution). What makes Relay different: Fee-free accounts, multiple checking accounts, and built-in features designed for entrepreneurs. How Relay integrates with the "Profit First" method to simplify your finances and increase your profits. A sneak peek at Relay’s game-changing features, like virtual cards, receipt capture, and ACH payments. Relay’s upcoming innovations, including their new credit card and payment request feature launching soon. Resources Mentioned: Relay Bank: Open a free business account : https://seedtime.com/relay2 Profit First by Mike Michalowicz: https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X Real Money Method: https://seedtime.com/realmoney Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ).…

SeedTime Money (Christian living & Personal Finances)

1
(💸40/40) A Dying Man's Last Money Lesson: A Sobering Message from a Dying Financial Advisor That's Waking Up the Western Church 30:29

8 weeks ago30:29

30:29

What would you say if you knew you were dying? In this powerful final episode of our 40-week series, we share an extraordinary message from Richard, a British financial advisor facing terminal cancer, who reveals game-changing insights about money, giving, and eternal impact. You'll discover: How Western Christians are sitting on a $100 billion opportunity for kingdom impact The shocking truth about what percentage of Christian giving actually reaches global missions Why being "rich toward God" looks different than most people think How a failed actor became an unlikely expert in kingdom investing The surprising joy that comes from radical generosity What George Mueller's legacy in China teaches us about strategic giving Key Stats That Will Challenge You: Only 2.5% - What Western Christians currently give Only 0.25% of Western Christian giving reaches outside the West $30,000/year puts you in the top 1% globally What $1 million strategically invested can accomplish: • Fund 500 evangelists for 3 years • Plant 1,000-1,500 churches • Help 10,000 women out of poverty • Translate the Bible for 20 million people • Share the gospel 100 million times in unreached nations Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free God Calling Devotional Organizations Referenced: • Five Talents • Jesus.net • 500K in India SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/lnBFd_cSYJQ )!…

SeedTime Money (Christian living & Personal Finances)

1
(💸39/40) The Fear-Setting Framework: How to Turn Your Scariest Financial Decisions Into Your Biggest Breakthroughs 28:23

9 weeks ago28:23

28:23

What happens when you face a decision that seems completely illogical on paper, but something in your spirit knows it's right? In 2008, I faced exactly that: I turned down a dream job offering DOUBLE my previous salary... to pursue a blog making only $100/month. In this episode, we're breaking down the exact framework that turned our scariest financial decisions into our biggest breakthroughs. You'll discover: Why God's best often looks like career suicide Is Your "Safe Choice" Actually an Ishmael? The hidden danger of logical decisions What Peter teaches us about calculated risk-taking The Hidden Cost of Playing It Safe (and why doing nothing is still a decision) Our proven 3-part framework for evaluating major life decisions Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Fear Setting Worksheet: https://seedtime.com/fearsetting Tim Ferriss's Fear-Setting Exercise (Referenced) Referenced Scripture: • Ephesians 3:20 • Matthew 14:22-33 (Peter walking on water) • Genesis 16 (Ishmael story) SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/FifSPa5hUlc )! 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 600 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 Money (Christian living & Personal Finances)

1
(💸38/40) I Saved $3k By Breaking This One Grocery Shopping Rule (+ 4 Game-Changing Food Budget Hacks) 29:22

10 weeks ago29:22

29:22

I never thought changing ONE simple shopping habit could save us thousands... But after running an experiment with our family of 5, our grocery bill hit its lowest point in 2 years. And the crazy part? We didn't have to clip a single coupon or sacrifice our healthy eating habits. In this episode, we break down the exact strategy that led to this breakthrough, plus 4 other game-changing tactics that could save your family $700-$1,200 every single month on groceries. You'll discover: The "$7 Lemon Strategy" that exposed how we were overpaying by 500% on certain items The Costco Paradox: How spending more per trip actually saves thousands per year Our controversial take on grocery delivery services (and how we use them to SAVE money) The biblical principle behind smart grocery shopping that most people miss Why managing your grocery budget could be more spiritually significant than you think Resources Mentioned: Simple Money, Rich Life (Our Book): https://seedtime.com/free Instacart Gift Cards at Costco ($100 value for $80) Wild Pastures (Meat Delivery): https://wildpastures.com Stores Discussed: • Trader Joe's • Costco • Aldi • Whole Foods • Publix • Sprouts Amazon Subscribe & Save SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Stats Worth Noting: Average American wastes $2,000+ per year on food Potential savings of $3,000/year just by changing where you shop Our findings align with research from leading data science firms about grocery store price variations Remember: Smart shopping isn't just about saving money—it's about stewarding resources wisely. Every dollar saved is a dollar that can be used for greater purpose. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ( https://youtu.be/KP9glzjHEbY )! 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 600 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 Money (Christian living & Personal Finances)

1
(💸37/40) The 10 best side-hustle ideas of 2025 to turn wasted time into income 46:25

11 weeks ago46:25

46:25

We've seen it happen over and over: A side hustle that starts as a small experiment becomes more profitable than a full-time job. How? In today's episode, we break down the 10 most lucrative side hustles for 2025, including real examples of people who turned their "experiments" into 7-figure businesses. Here's what you'll learn: Why certain side hustles scale (and others don't) The surprising truth about how a Silicon Valley engineer built TWO 7-figure businesses while keeping his day job The exact mindset shift you need to transform a hobby into serious income Which platforms are goldmines for specific side hustles right now Why we believe side hustles aren't just about money (and what they're really about) Plus: We share our personal journey of how a simple blog turned into our main source of income and eventually helped us reach our goal of giving away $1 million by age 40. Key Insight: The most successful side hustles often align with what you're already passionate about. We share examples of people who turned their obsessions (from baby strollers to mattress reviews) into thriving businesses. 📚 Resources Mentioned: Books: Simple Money, Rich Life - Get your free copy (just cover shipping): https://seedtime.com/free Websites & Platforms: Upwork: https://www.upwork.com Fiverr: https://www.fiverr.com Etsy: https://www.etsy.com Rover (pet sitting): https://www.rover.com BookScouter: https://bookscouter.com Instacart: https://www.instacart.com Tools & Apps: Facebook Marketplace: https://www.facebook.com/marketplace Amazon FBA (Fulfillment by Amazon): https://sell.amazon.com/start/fba Link: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m Want to start your own side hustle? We've been where you are. Whether you're looking to escape a job you don't love or simply want to build something on the side, there's never been a better time to start. P.S. Have you gotten value from our content? Consider writing a review or sharing this episode with someone who needs to hear it. Your support helps us continue creating content that changes lives. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). 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 600 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 Money (Christian living & Personal Finances)

1
(💸36/40) The Spiritual Secret Behind Every Major Financial Breakthrough (That Nobody Talks About) 30:28

12 weeks ago30:28

30:28

Have you ever felt like your prayers for financial breakthrough were hitting a brick wall? Here's the truth: That season of feeling stuck might actually be the key to everything God has planned for your future. In this raw and honest episode, we pull back the curtain on one of the most challenging seasons of our financial journey—a season that would eventually lead to giving away our first million dollars (though we had absolutely no idea at the time). What You'll Discover: Why feeling "stuck" might actually be God's preparation season The counter-intuitive truth about financial breakthrough that most Christians miss How to reframe waiting periods from punishment to preparation The exact scripture that changed everything for us during our hardest season Why maintaining spiritual disciplines is crucial when you feel like quitting The surprising connection between Joseph's prison season and your financial journey Key Takeaway: Your season of financial frustration isn't a punishment—it's preparation. Just like Joseph's time in prison and David's years running from Saul, God is doing something much bigger than what you can see right now. The Million-Dollar Truth: If it isn't good yet, then God isn't done yet. Your financial breakthrough might be just around the corner, but the key is learning how to stay faithful in the waiting. Scriptures Referenced: Galatians 6:9 - "Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up." Ephesians 3:20 - "Now to him who is able to do immeasurably more than all we ask or imagine..." Revelation 12:11 - "They triumphed over him by the blood of the Lamb and by the word of their testimony" Philippians 4:19 - "And my God will meet all your needs according to the riches of his glory in Christ Jesus." Resources Mentioned: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ! 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 600 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 Money (Christian living & Personal Finances)

1
(💸35/40) The Hidden Money Hack: How to Afford Your Dreams By Spending Less on Things You Don't Actually Care About 18:38

13 weeks ago18:38

18:38

Ever feel like your dreams are slipping away because you "can't afford them"? We're about to flip everything you think you know about affording what you love. In this episode, we reveal the counter-intuitive truth about funding your passion projects and bucket list goals - without earning a single dollar more than you do right now. You'll discover how a wannabe pilot unlocked his childhood dream through one simple spending shift, and how you can use the same principle to transform your financial reality. Here's what you'll learn: The "Priority Stack" method for identifying which expenses are secretly holding you back Why creating "friction" in your spending could be the key to unlocking your dreams How we discovered we could afford to live at the beach (and why most people never realize what's possible) The uncomfortable truth about your Amazon app (and why deleting it might change your life) A revolutionary approach to evaluating expenses that goes beyond basic budgeting Plus, we share our personal revelation about Starbucks spending and how facing this truth led to better decisions - without guilt or shame. 📚 Resources Mentioned: Books: "Simple Money, Rich Life" by Bob and Linda Lotich Get your free copy (just pay shipping): https://www.simplemoney.com/free "Atomic Habits" by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Mentioned Names/Concepts: Ramit Sethi's "Money Dials" concept James Clear's environment design principles Link: SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ! 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 600 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 Money (Christian living & Personal Finances)

1
(💸34/40) Stop Climbing Trees If You Were Born to Swim: A Revolutionary Approach to Discovering Your True Calling 28:12

14 weeks ago28:12

28:12

What if everything you've been taught about success is actually holding you back from what you were created to do? In this game-changing episode, we dive deep into why Einstein believed we've been measuring human potential all wrong—and how this massive misconception might be the very thing keeping you from discovering your true calling. Here's what you'll learn: Why traditional markers of success (SAT scores, job titles, net worth) are often misleading indicators of your true potential The profound truth about why some people make everything look effortless (while others struggle endlessly) How one Olympic athlete's controversial decision reveals the secret to finding your purpose The surprising reason why your "weaknesses" might actually be pointing to your calling Why the baker's story from George Mueller's orphanage changes everything about how we view purpose The critical difference between chasing money and chasing your calling (and why it matters) How to identify what you were actually created to do (including 3 powerful questions you can ask yourself today) Key Questions to Discover Your Calling: What comes easier to you than most? What feels like work to others but feels like fun to you? What are you wondering why most people aren't good at? Resources Mentioned: Book: "Simple Money, Rich Life" by Bob and Linda Lotich Get your FREE copy (just pay shipping): https://seedtime.com/free Movie: "Chariots of Fire" - The Eric Liddell Story Book: "The Art of Work" by Jeff Goins: https://www.amazon.com/Art-Work-Proven-Discovering-Meant/dp/0718022076 Bible Verses Referenced: Jeremiah 33 Colossians 3:23 Psalm 139:14 SeedTime Money 40-week checklist (mentioned as part of our ongoing series): https://seedtime.com/give1m 🎯 Action Steps: Start experimenting with new things (like Tom's guitar-making story teaches us) Ask trusted friends/family what they see as your natural gifts Look for patterns in your journey so far Begin serving where you are while preparing for where you're called to be 🔗 Connect With Us: Website: https://seedtime.com Instagram: https://instagram.com/seedtime Get Our Free Book: https://seedtime.com/free Remember: You're not a second-rate creation. You were fearfully and wonderfully made for a specific purpose. If you're feeling like a fish trying to climb a tree, it's time to find your pond and start swimming. 💫 Share This Episode: If this message resonated with you, please share it with someone who needs to hear it. Together, we can help more people discover what they were created to do. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram ( http://instagram.com/seedtime ). Watch this episode on our SeedTime Money Podcast YouTube channel ! 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 600 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 Money (Christian living & Personal Finances)

1
[Join us LIVE] How to become a millionaire (and why it matters) 3:22

14 weeks ago3:22

3:22

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