
The 3 Money Tests God Gives Every Christian (And Why Most of Us Are Failing)
From SeedTime with Bob and Linda Lotich by Bob Lotich, Linda Lotich
April 3, 2026 · 34 min
About this episode
Bob and Linda Lotich discuss the three money tests that God gives every Christian and how to recognize and learn from them.
Have you ever wondered why financial breakthrough feels so close yet so far? Bob and Linda Lotich reveal that God is constantly testing us with money—and most of us don't even realize it's happening. In this eye-opening conversation, they break down the three distinct money tests every believer faces, how to identify which one you're in right now, and what God is trying to teach you through it. What You'll Learn: The Three Tests - The Struggling Test - When you have less than you think you need The Surplus Test - When extra money comes your way The Stable Test - When nothing has changed for years Key Insights: Why the habits you build in struggle carry you into surplus The George Mueller story that will transform how you pray about provision How to know if you're in a "rest season" or need to take action Why stability might be the sneakiest test of all The practical "50/50 rule" for handling raises and windfalls How to create your own "stack of stones" to remember God's faithfulness Powerful Quotes: "The habits that we build in the struggle are the habits that carry us into the surplus time." - Bob "We've just been through this too many times." - Bob (during a financial crisis…
People in this episode
Hosts: Bob Lotich, Linda Lotich
Topics covered
- money tests
- financial breakthrough
- Christian faith
- spiritual growth
- money management
Keywords
- money tests
- financial struggle
- surplus
- stable finances
- Christianity
Mentioned in this episode
Books & works: Parable of the Talents, The Rich Fool
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