About this episode

Bob and Linda Lotich discuss key financial principles and insights shared during a church's 'Money Talks' series, emphasizing the importance of tracking the right metrics for financial health.

Mike Tyson made $400 million and ended up $23 million in debt. A janitor named Ronald Reed made minimum wage his whole career and left $8 million to charity. The difference had nothing to do with income — and everything to do with one rule. That's where this conversation starts. Linda and I were guests at a church for their "Money Talks" series and the questions were so good we wanted to bring this to the podcast. We walk through the John Wesley framework we based our whole book on (make all you can, save all you can, give all you can — and enjoy it), the one number that tells you whether you're moving forward or backward financially, why net worth is actually the wrong thing to track as a Christian, the "Never 100 Rule" that changed everything for us, the one-category budget that works when every other budget fails, and what happened when we started giving in a way that felt irresponsible but resulted in our mortgage being paid off in three years. If you enjoyed this, we'd love to send you a free copy of our book — you just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at seedtime.com/free . WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in…

People in this episode

Hosts: Linda Lotich, Bob Lotich

Topics covered

• money management
• financial principles
• Christian finance
• wealth building
• budgeting strategies
• charitable giving

Keywords

• net worth
• financial health
• Never 100 Rule
• budgeting
• charity
• wealth building
• money management

Mentioned in this episode

Organizations: John Wesley, Amazon, SeedTime

More episodes of SeedTime with Bob and Linda Lotich

• Should Christians Invest in Evil Companies? · July 17, 2026 · 14 min
• 7 Biblical money principles most Christians never hear (but should) · July 10, 2026 · 36 min
• Lisa Bevere on Marriage, Money, and Why Men and Women Were Never Meant to Be Enemies · July 3, 2026 · 55 min
• 5 Biblical Investing Secrets Most Christians Have Completely Missed · June 26, 2026 · 31 min
• The Prayer That Paid Off Our Mortgage · June 19, 2026 · 31 min
• What We Actually Believe About Tithing (After 15 Years of Avoiding This) · June 12, 2026 · 44 min

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