THIS is how we gave $1 Million

THIS is how we gave $1 Million

Author: Bob Lotich, Linda Lotich May 21, 2026 Duration: 10:59

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.


What does it look like to manage money well when your faith is the foundation of your life? That’s the central question explored in SeedTime with Bob and Linda Lotich. This isn't just another financial advice show; it's a conversation about integrating biblical principles with the practical realities of budgeting, investing, and building a secure future. Bob and Linda approach finances from a unique perspective, one that challenges conventional wisdom by framing stewardship as a spiritual practice. Their discussions move beyond spreadsheets to consider how financial health directly impacts your marriage, your sense of purpose, and your ability to live generously. Each episode aims to provide actionable steps to simplify your finances, eliminate debt, and cultivate a sense of peace and control over the resources you've been given. The goal is to shift your focus from anxiety about money towards freedom, allowing you to invest your time and energy into what truly matters. If you've ever felt that typical money advice misses the heart of the matter, this podcast offers a different path-one where faith and finances are seamlessly connected. Tune in for honest conversations that blend personal experience with practical strategy, all centered on building a life of purpose and provision.
Author: Language: English Episodes: 50

SeedTime with Bob and Linda Lotich
Podcast Episodes
God Is Warning Us About AI (And Most Christians Aren't Listening) [not-audio_url] [/not-audio_url]

Duration: 50:29
Is God Warning Us About AI? The Biblical Case for Preparing Now! Before every major disruption in Scripture—famine, flood, exile—God warned His people first. Those who listened didn't just survive… they thrived. So what…
The Bible's Hidden Habits for Financial Success [not-audio_url] [/not-audio_url]

Duration: 22:28
In this episode, Bob and Linda unpack spiritual habits found in Scripture that quietly shape financial outcomes—habits that have nothing to do with spreadsheets or hustle culture, but everything to do with becoming the k…
Even after spiritual abuse, THIS is why I still tithe [not-audio_url] [/not-audio_url]

Duration: 41:55
Spiritual abuse around money almost made us stop giving altogether. We've seen manipulation from the pulpit. We've witnessed leaders mishandle funds. We've felt the tension between honoring God and distrusting institutio…
Why God's blessings can be dangerous (so burn the chariots!) [not-audio_url] [/not-audio_url]

Duration: 27:09
In today's episode, Bob & Linda explore one of the most overlooked spiritual tests in the Christian life: how to stay dependent on God in the midst of blessings. Drawing from Joshua 11, they unpack the strange moment whe…
Faith isn't what you think it is (Bible Study) [not-audio_url] [/not-audio_url]

Duration: 31:05
Most of us were taught that faith means "trying really hard to believe" — especially with our finances. But in the Bible-study-style episode, Bob & Linda unpack Hebrews 11, Romans 10:17, and Jesus' "abide" teaching to re…
The Hidden Costs of Entrepreneurship No One Talks About [not-audio_url] [/not-audio_url]

Duration: 28:29
Everyone online makes entrepreneurship look like the ultimate path to freedom—but the truth is far more complicated. After 18 years of building SeedTime, Bob & Linda open up about what most people never say out loud: the…