Trust Over Balance Sheets — Bob & Linda Lotich on Finding True Financial Freedom

This is StRest! In this episode, Kerstin Lindquist welcomes Bob and Linda Lotich—authors of Simple Money, Rich Life, hosts of the SeedTime Money Podcast, and creators of church‑based money courses. The Lotichs share candid stories of crushing debt, radical generosity (giving Bob’s age as a percentage of income), paying off their mortgage in nine months, and taking month‑long sabbaticals while their business grew. They unpack why “true financial freedom” is peace in any circumstance, not a magic dollar figure, and how listening prayer plus practical action can break money stress. From the “Never 100 Rule” (never spend 100 % of income) to separate “fun money” accounts that stop marital fights, Bob and Linda deliver Bible‑rooted tactics that align wallets with faith. If anxiety flares every payday—or you feel guilty talking numbers with your spouse—this conversation resets money as a tool for purpose, rest, and joyful impact. Major Themes & Concepts  ✅ True freedom = peace, not portfolio size  ✅ Pray → Listen → Obey (even when math disagrees)  ✅ Radical, obedient giving unlocks provision  ✅ The “Never 100” spending rule  ✅ Annual sabbaticals: God works while you rest  ✅ Separate personal‑spend accounts for marriage harmony  ✅ Seed‑time & harvest: generosity as “planting”  ✅ Save, Earn, Give, Enjoy (John Wesley framework)  ✅ Taming control: money as servant, never master Chapter Breakdown  00:00 – Introducing Bob & Linda and money as top stressor  03:01 – Why wealth doesn’t erase worry  07:25 – First step in a money crisis: pray, listen, act  10:49 – Widow’s oil & loaves: God multiplies “not enough”  16:21 – Giving 31 % income → mortgage paid in 9 months  23:00 – Discerning God’s voice vs. bad math or fear  24:40 – $100 blog becomes full‑time income after layoff  28:15 – Tithing, first‑fruits, and giving on expected income  37:02 – Save • Earn • Give • Enjoy framework explained  39:55 – One‑month sabbaticals: rest as spiritual warfare  43:30 – Finding joy amid financial hardship & suffering  50:40 – Emergency funds, but why trust > formulas  52:56 – “Fun‑money” allowances that end purchase fights  1:02:56 – Track every dollar (Rocket Money / spending journal)  1:04:45 – Final tips & Kerstin’s teaser on tithing deep‑dive Work with Kerstin ⁠⁠Workshops & Events⁠⁠ – Join upcoming events & retreats. ⁠⁠Health Coaching with Kerstin⁠⁠ – 1:1 coaching for stress reduction & wellness. Resources & Recommendations ⁠⁠Dr. Denese Skincare ⁠⁠–   Use code STREST Partner Links & Discounts ⁠⁠Dr. Tabatha - Hormone test & HRT⁠ ⁠⁠⁠Apollo Neuro⁠⁠ – Discount Code: KERSTINLINDQUISTLLC ⁠⁠Lumen⁠⁠ – Discount Code: CoachKL ⁠⁠Ultrahuman⁠⁠ – Discount Code: KERSTIN10 Connect with Bob & Linda Lotich Website: https://seedtime.com Podcast: SeedTime Money Podcast Instagram: @seedtime Free 6‑Week Church Course More about Kerstin Website:⁠⁠ ⁠⁠⁠⁠kerstin-lindquist.com⁠⁠ Instagram:⁠⁠ @kerstin.lindquist⁠⁠ Facebook:⁠⁠ Kerstin Lindquist⁠⁠ YouTube:⁠⁠ @Kerstin.lindquist⁠⁠ TikTok:⁠⁠ @kerstin.lindquist⁠⁠ Production, Distribution, and Marketing By Massif Studio & Production & The Tallawah Group Website: ⁠⁠www.massifsp.com⁠⁠ LinkedIn:⁠⁠ Massif Studio & Production⁠⁠ Website:⁠⁠ www.TallawahWorldwide.com⁠⁠ LinkedIn:⁠⁠ The Tallawah Group⁠⁠ For inquiries about sponsoring the podcast, email [email protected]. Learn more about your ad choices. Visit megaphone.fm/adchoices