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 failures, the mental load, the pivots, the spiritual battle, and why starting a business isn't automatically God's will for everyone.

If you're dreaming of quitting your job… or you already have a business and feel the weight of it… this honest, hope-filled conversation will help you discern your next step with wisdom, peace, and biblical grounding.

What We Cover

• Why 95% of their entrepreneurial attempts failed (and why that's normal)
• The truth behind "being your own boss" (spoiler: you still have bosses)
• The 87% mental-health struggle rate among founders
• How social media romanticizes entrepreneurship—and how Christians should see it differently
• When hating your job doesn't mean God is calling you to start a business
• What Scripture actually teaches about work, calling, and servanthood
• How prayer sustained SeedTime (including years of praying daily over the book)
• Why purpose—not profit—is the only sustainable fuel for entrepreneurs
• The friend who lost everything building a business… only to discover God's better plan in a "regular job"
• The role of humility, long checklists, and constant pivots in real-life entrepreneurship

Scripture Mentioned (NLT)

• Colossians 3:23 — Work willingly as though working for the Lord.
• Mark 10:44 — "Whoever wants to be first must be the servant of all."

Who This Episode Is For

✓ The employee dreaming of quitting a job they hate
✓ The entrepreneur who feels tired, discouraged, or unseen
✓ The Christian wrestling with calling, purpose, or career direction
✓ Anyone wondering, "Is entrepreneurship really for me?"

Share This Episode

Know someone wrestling with career decisions or dreaming about starting a business?
Send this their way—they'll thank you later.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

In this tender, emotional episode, Bob and Linda open up about a simple idea that completely reframed how they parent: the "$50,000 Moment."

It started with a story Bob read — one so moving he couldn't finish it without crying — about a dad who imagined paying $50,000 to relive a single bedtime with his 10-year-old. That thought experiment changed him, and now it's changing the Lotich household too.

If you're a parent (or even if you aren't), this episode will recalibrate how you see the people in your life and remind you of the beauty tucked into ordinary days.

In This Episode:

• The story that made Bob stop checking the clock at bedtime
• Why we forget the voices of our kids at different ages
• The biblical wisdom behind remembering the brevity of life
• How to recognize "$50,000 moments" in real time
• Why presence is a discipleship practice—not a personality trait
• What Jesus and Mr. Rogers both modeled about "holy slowness"
• How this principle applies to more than kids
• A tender story about Bob's uncle and what it taught him about presence

Scripture Mentioned (NLT):

• Psalm 90:12 — "Teach us to realize the brevity of life, so that we may grow in wisdom."
  
  

Key Takeaways:

1. You won't realize the value of a moment until it's gone.
   
   Bob shares how he can no longer remember what his now-11-year-old sounded like as a six-year-old—and how that realization hit him like a ton of bricks.
   
   
2. Future you would pay anything to get today back.
   
   The "time-machine thought experiment" reframes bedtime, routines, and interruptions as priceless opportunities.
   
   
3. Presence is a form of love—and discipleship.
   
   Looking at the way Jesus interacted with people, we see an invitation to slow down and be with those around us.
   
   
4. This isn't just about kids.
   
   Parents, friends, coworkers, church community members—none of us are guaranteed another moment together.
   
   
5. You don't have to create regrets. You can create reminders.
   
   Bob calls them $50,000 moments—a cue to pause, breathe, and fully engage.

Practical Ways to Apply This:

• Ask yourself during ordinary moments:
  "If I had to pay to relive this, how much would I spend?"
• During bedtime or stressful transitions, picture your 80-year-old self watching.
• Treat others—kids, friends, the barista, the bus driver—as people God placed in your path today.
• Practice the "Fred Rogers pause": give full attention to whoever is in front of you.

Links & Mentions:

• Gradually, Then Suddenly by Mark Batterson
• Let's Retire Retirement by Derek Coburn

Share This Episode

If you know a parent in the thick of it, or someone who needs a reminder to slow down and savor what matters—send this to them.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

Just a 4-minute little reminder today! What if one short, 29-word sentence from the Bible could shift the atmosphere in your home, change how you see your finances, and remind you that God Himself has placed His name on you?

In this episode, Bob & Linda dive into the Aaronic blessing from Numbers 6 — a prayer that God commanded to be spoken over His people. You've probably heard it before, maybe even sung it in church, but chances are you've never fully realized its power in your daily life

📖 Scripture highlight: "May the Lord bless you and protect you. May the Lord smile on you and be gracious to you. May the Lord show you His favor and give you His peace." (Numbers 6:24–26, NLT)

💡 This week's action step: Speak the Aaronic blessing out loud once a day—over yourself, your family, or your finances. Notice how it shifts your mindset and brings peace.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

In this episode, I sat down with PJ Vescovi — financial advisor, pastor, and author of The Great Money Reform — and this one's going to challenge you in the best way possible.

We dove deep into the 5 keys to being a truly good steward, not just in theory, but in daily decisions. PJ's insights are fire — especially his stories around radical generosity, godly work ethic, and the real reason you're not walking in financial freedom.

This isn't your average money conversation. This is faith, finance, and focus colliding in a way that'll leave you rethinking how you spend, give, invest, and even parent.

If you've ever asked:

• "How do I know if I'm being obedient with my money?"

• "Am I managing my finances with intentionality, or just winging it?"

• "Why is God calling me to give something that doesn't make sense financially?"

Then this episode is your blueprint.

Resources & Links Mentioned:

• PJ Vescovi's book: The Great Money Reform — https://amzn.to/4qOTuN0

• Necessary Endings by Dr. Henry Cloud — http://amzn.to/3XMPfA0

• Atomic Habits by James Clear — https://jamesclear.com/atomic-habits

• Get our award-winning book Simple Money, Rich Life — http://seedtime.com/free

Let's be a generation that stewards well — not just for ourselves, but for the Kingdom.

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

Watch this episode on our SeedTime Money Podcast YouTube channel
(https://youtu.be/pCExM8e7A18)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 900 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

71% of Americans admit they're losing sleep over money—but Jesus already gave us the cure in the most famous sermon ever preached.

In this episode, Bob and Linda unpack the surprising connection between mammon, anxiety, and misplaced treasure—and share the one simple prayer that can break financial fear and open the door to God's peace and provision.

They walk through Matthew 6:19–34, revealing how birds and lilies understand something most believers forget: your value isn't in what you own—it's in who owns you.

What You'll Learn:

• The hidden link between serving mammon and constant money stress
• Why Jesus' words in Matthew 6 are a direct cure for financial anxiety
• The "treasure principle" that keeps peace and provision flowing
• How comparison steals your provision (and how to stop)
• A practical, Biblical step you can take today to renounce financial fear

Scripture References (NLT):

• Matthew 6:19–34 — "You cannot serve both God and money."
• Philippians 4:6–7 — "Don't worry about anything; pray about everything."
• Genesis 8:22 — "Seedtime and harvest will never cease."

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/BkqokuEOHM8)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

What if the greatest danger in our giving isn't how much we give—but why we give?

In this episode, Bob and Linda unpack one of the most shocking stories in Acts 5: the tale of Ananias and Sapphira.

Why did God respond so severely—and what does it reveal about our own struggles with wealth, legacy, and generosity? Together, we wrestle with the tension between leaving an inheritance (Proverbs 13:22) and practicing radical generosity (Acts 4, Matthew 6:33).

You'll hear how this tension has played out in our own finances, and we'll share a 4-part framework to help you align your money with God's priorities—without guilt, fear, or legalism.

What You'll Learn in This Episode:

• Why the story of Ananias & Sapphira still convicts believers today.
• The hidden danger of looking generous versus being generous.
• How Barnabas modeled the right heart posture in giving.
• 4-part biblical framework for wealth + generosity: Provide, Preserve, Prioritize, Pivot.
• Practical questions to evaluate your heart when it comes to money

Scripture Anchors (NLT):

• Acts 5:1–11 — The sobering story of Ananias & Sapphira.
• Proverbs 13:22 — "Good people leave an inheritance to their grandchildren…"
• Matthew 6:33 — "Seek the Kingdom of God above all else…"
• 1 Timothy 5:8 — "Those who won't care for their relatives… have denied the true faith."

Listen & Share:

If this conversation challenged you, would you share it with a friend? Let's normalize radical obedience and kingdom generosity in today's world.

Watch this episode on our SeedTime Money Podcast YouTube channel! (https://youtu.be/_AonHZ0jWnk)

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

If your teen is starting to earn money—or even just asking bigger financial questions—this episode will give you the tools to start them off on the right foot.

Bob & Linda share how they're teaching their own kids about money, why the Real Money Method works even for high schoolers, and how to weave generosity, saving, and wise spending into everyday life.

You'll also hear how apps like Greenlight can help, why starting investing early pays off, and the tension Christian parents face between "nudging" kids toward giving vs. letting them choose it themselves.

By the end, you'll have a practical, biblical framework for setting your teen up for financial confidence—without overwhelming them.

What You'll Learn in This Episode:

• Why teens are often afraid to "launch" financially—and how to help
• A simple way to adapt the Real Money Method for high schoolers
• How to teach kids to give, save, and spend wisely (10/10/80 rule)
• Practical tools: using Greenlight cards and starter investment accounts
• The debate: should we require kids to tithe, or let them choose?
• How just a few early investing years can radically change retirement

Key Scriptures Mentioned:

• "The borrower is servant to the lender." (Proverbs 22:7, NLT)
• "Wherever your treasure is, there the desires of your heart will also be." (Matthew 6:21, NLT)
• "The generous will prosper; those who refresh others will themselves be refreshed." (Proverbs 11:25, NLT)

Resources & Links:

• Learn more about the Real Money Method → seedtime.com/realmoney
• Explore Greenlight debit cards for kids → seedtime.com/2/greenlight.php
• Our 10x Investing Course for teens & adults → seedtime.com/investing

Action Step This Week:

If your teen has income—whether it's $10 or $100—help them set up 3 simple buckets: Give, Save, Spend. Start small, but keep it consistent.

Subscribe & Review:

If you enjoyed today's episode, hit subscribe so you don't miss the next one! And if you found it helpful, would you take 30 seconds to leave us a review? It helps more families discover this show.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/-3g3ym6JndI)!

BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.