SeedTime: Personal Finance & Online Business

Mastering money using Biblical principles

The SeedTime Mission

We are a community of believers who don’t think that God put us on this earth to spend money like we are in a rap video, but to use it wisely, enjoy it, and to communicate His love via giving.

To give more money, you obviously have to have money.

This is where we come in.

SeedTime is your go-to resource for practical tips to earn more, save more, and Biblical wisdom about how to better manage your money!

It all begins with a seed.

“As long as the earth endures, seedtime and harvest … will never cease.”  –Genesis 8:22

I’ve always been fascinated by the potential of even the smallest seed.

We seem to take it for granted, but let me remind you that a Sequoia tree (the largest living thing on earth) grows to be hundreds of feet tall and starts with a tiny little seed.

I still remember, like you probably do, being in first-grade planting seeds in a dixie cup and watching the miracle of growth and change.

How have we lost the wonder of something coming to life from something dead and lifeless?

And once sprouted, the amazing simplicity of soil, water, and sun causing growth for decades, centuries, or in the case of the Sequoia, millennia.

Our role is merely to take small & consistent actions to nurture the seed.

What if we could apply this principle to our money?


I remember being on a 7-month sabbatical when I was 20 years old and living in a city where I didn’t know anyone. I was on a spiritual journey that would ultimately lead me to some very practical changes.

I had no savings. I had no money left in my checking account, and my credit card was $264 from being maxed out.

My rent was due that day, and I was worried about needing to buy gas to pick up a couple of friends from the airport who would be staying with me that weekend.

At the worst possible time, my car broke down in front of a minor league ballpark about 30 minutes before game time as hundreds were driving by staring.

I found myself pushing my car to the side of the road as hundreds pulled into the ballpark.

The embarrassment was the last thing on my mind, because I didn’t know how I was going to pay my rent, much less fix my now broken down car with my $264 remaining available credit with Visa.

As I finished pushing my car to the side of the road to get out of the flow of traffic, I climbed in, put my head in my hands and I committed with every ounce of my being to get control of my money.

Looking back, this was when the seed of financial success was planted.

Even though I was terrified and clueless…

about how to get out of the financial mess I found myself in, at least the seed was planted – and by the help and grace of God I was determined to nurture it for as long as it took.

I began reading articles about how to get control of my money and began eliminating foolish money habits I had developed.

And just like the 1st grader with the dixie cup, I began looking for signs of progress the next day only to find nothing.

Just wet dirt.

And the next day – still just wet dirt.

But I bought books, read magazines, watched videos – anything I could to continue nurturing the seed – all while seeing no visible signs of progress.

And to be honest, it took months before I saw the first signs of progress.

That first sign of life for me was…

that I was able to pay my monthly expenses without using a credit card.  I can’t even tell you how excited I was realizing that it might just work.

I kept at it – making as few stupid money decisions as possible.

Side note: financial success is a lot more about minimizing stupid decisions than making really good ones.

And over the months my seed grew from a sprout to a seedling – I watched my net worth go from negative $13K to $0, which was a huge cause for celebration for me.

During the following years we (my wife was now in the picture) paid off over $46K of credit cards, car loans, etc. and have been able to financially support many of our favorite charities like we always dreamed of doing.

And it all started with a tiny seed being planted.

“Do not despise these small beginnings”

-Zechariah 4:10 NLT

Now what?

I’ve spent the last 10 years of my life helping people climb out of messes like I was in and I would love to have the opportunity to help you on your journey.

You can join the 225,000 other email subscribers and get started with our FREE email course that will help you better manage your money, pay off debt, save more, and have more to give!

Get the first lesson now just tapping the button below:

About Bob Lotich


I remember wanting to have millions of dollars, so I could spend it all on myself.

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card.

I remember sitting in a broken down car, 1,000 miles from home, with no money, and no one to call for help.

I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes.

I remember being so frustrated when I realized my soon-to-be-wife and I needed to rent an apartment instead of buying a house because we couldn’t afford to buy a house.

I remember getting married and looking at our $47,000 of debt and wondering how in the world we would ever pay it off.

I remember laughing at the idea that I could give away a million dollars.

I remember meditating on and clinging to Phillippians 4:19 with all I had.

I remember making sacrifices – like spending no more than $45/week to feed my wife and I – so that we could scrape together just a few bucks to try to pay down debt.

I remember the ironic observation that money doesn’t solve money problems.

I remember calculating our net worth for the first time to discover that it was NEGATIVE $13,843.84

I remember reassuring my wife that all the sacrifices would be worth it eventually – even when I was wondering the same thing myself.

I remember listening to Dave Ramsey and thinking to myself, “I can do this!”

I remember not being able to buy gifts that I longed to and felt social pressure to buy, because we didn’t have the money.

I remember when I had to step out in faith and give beyond my means.

I remember the excitement of paying off my first credit card. We jumped, danced, and shouted for joy at our minuscule first step of progress.

I remember how thrilled I was when I realized that we finally had a positive net worth! A total of $746.07

I remember the day it dawned on me that this Debt Snowball thing really works.

I remember the awkwardness of not being able to go somewhere with all my friends because we couldn’t afford it.

I remember struggling for months to get a budget set up and how I felt on top of the world when I finally got the budget working.

I remember only being able to pump a gallon of gas into the car, because that was all we had until the next paycheck.

I remember praying to God and watching Him do the impossible in our lives.

I remember going out to eat with friends, but not ordering anything because we didn’t have the money in the budget.

I remember paying off our car and receiving the title from the bank and the joy of officially “owning” our car.

I remember starting a home-based business to help us get out of debt faster.

I remember having our transmission go out and trying to figure out how we were going to survive with one car.

I remember seeing my boss break into tears as he told me my department was no longer needed, and being very thankful that I had started an emergency fund.

I remember how comforted I felt by having our financial life in order.

I remember going out to dinner with Linda (an extremely rare occasion) as a celebration for paying off our last credit card.

I remember the thrill of having enough money budgeted to afford Christmas gifts for everyone.

I remember the sweet satisfaction of moving into our house after living in a one-bedroom apartment for 5 years and being able to plop down a 15% down payment on the house.

I remember having my car break down and it NOT being a life-altering problem like it would have been a couple years earlier.

I remember the moment I realized that maybe God could use someone as simple as me to give away millions of dollars over my lifetime.

I remember the day we finally paid off my $17,000 student loan – our last remaining non-mortgage debt.

I remember dreaming of a day like today – debt free, happily married, and living with purpose – and I am thankful that I didn’t stop fighting for it.


How I have learned so far

I started working in the banking industry during college and worked there for 3 years before moving to a financial services firm when I was 21. Spending 5+ years in various capacities at the financial services firm taught me quite a bit about the brokerage industry – good and bad.

I have a bachelors in Business Administration, and I have a learned a good chunk from my working background. But, like most people who are eager to learn, the bulk of what I have learned thus far is from reading books, blogs, magazines, podcasts, or whatever else I can get my hands on about personal finance, investing, business, personal development, and time management.

Since I am not a financial professional see the Disclaimer for legal information.

A few promises you have from me:

  • I will write about my financial successes and failures. There have been a lot of mistakes over the years, so I should always have some stuff to write about!
  • I will write my honest opinions and offer advice to you like you were my friend or little sister.
  • I will tell you what I have done that has worked and what hasn’t.
  • I promise to keep things as simple as possible, making them easy for beginners to digest.
  • I will continue to learn! I fully realize that I have merely scratched the surface with learning about personal finance or even about God. I am passionate about both topics and particularly about how they work together. I really value the opinions of others and love to hear what others have learned. So, always feel free to say hi!

What I believe

  • I believe that the Bible is God’s Word and applicable to our everyday lives.
  • I believe that anyone can improve their financial situation.
  • I believe that building a solid financial foundation takes time.
  • I believe that it really is a simple process, but the hardest part is just consistently doing the things we know we should do.
  • I believe when you ask God for wisdom, He really does give it.
  • I believe we reap what we sow.
  • I believe giving is one of the best uses of our time, energy, and money.
  • I believe trying to get rich quick is a waste of time.
  • I believe being in debt is not fun and being out of it is liberating!
  • I believe the best purpose for our money is to build God’s Kingdom and help others.
  • I believe that Jesus is Lord and our lives are infinitely better submitted to His will for our lives.


Are you on social media?
Yes! You can find us here:
Can I Get The New Articles Via Email?
Yes, you can have each new article sent to your email inbox. Just visit our subscribe page to get signed up.
Can I Submit A Guest Post?
These days we are no longer accepting guest posts.  But if things change in the future, we will let you know.
How Can I Help Support SeedTime?
  • Pray for us. Our heart’s desire to use what God has entrusted us with to help people. Prayer works, and we could always use more!
  • The next most helpful thing you can do is share our site with friends and family who could be helped by it.
  • If you want to help us financially, you can support us by buying our books or other products and giving them away!
  • Some readers have requested the ability to donate, so we made that available on this support page.

Regardless of how you help, we are forever grateful!!

I Am A Mess Financially – Where Should I Start?

I Am A Mess Financially – Where Should I Start?

I suggest taking our Getting Started Course, printing off my financial checklist, and Dave Ramsey’s Total Money Makeover.

How can I find out more about Bob?
For more about Bob – probably more than you want to know, check out this page.
What Is Your Policy On Advertising?
SeedTime has grown over the years and now employs 5-7 part-time contractors and me (Bob) full-time. We use advertisements to offset those costs. That said, I always have and will continue to only personally recommend or endorse something if I feel that it would be of value to some of the readers. If I find a product or service that has helped in my financial life, I will let you know about it. If a product or tool isn’t worth it, I will tell you that as well. The purpose of endorsing a product or service is for your benefit, not mine. I will tell you about the best products and services that I find regardless of whether I see any benefit from it. Find out more here.

We try to monitor the ads that run on the site. Some are from ad networks where we don’t control which ads are shown. We can, however, remove them from the rotation if we are aware of them. If you happen to see any that conflict with what you think should be on the site, please let us know so we can have the network exclude them.

Can I interview you?
Maybe. Unfortunately, I can not accept all interview requests, but when we feel that the interview will reach the right audience I will do my best to make it work.

Find out more details on our Press page.

Can I reprint some SeedTime articles?
If you are interested in using any of the articles for your publication, please contact us, and we can likely work something out.