SeedTime with Bob and Linda Lotich

"I'll give more when I make more."
Most of us have prayed some version of that. My guest today is a business owner who realized he had been living it.
Colby Jenkins can easily afford to give. And one day he noticed he hadn't heard God prompt him to give in a very long time. What God told him about why almost made him cry.
In this conversation we get into the two money tests almost every Christian faces (the vision test when you have less, and the obedience test when you finally have more), why "one more layer of security first" is the prayer that keeps us stuck, what your bank statement already says about your real vision for money, why God can go silent about your finances and what that silence might mean, and the one question Colby asks himself to tell whether a plan is from God or just from him.
Nothing here is a formula. It's a conversation about obedience, and about what it looks like to become a conduit instead of a vault.
We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M
 
Here's a little of what we cover in this episode:
The two tests almost every Christian faces with money, and why most of us only pass one
Why "I'll give more when I have more" rarely turns out to be true
What happens in your heart the moment money starts to feel safe
The line from a late night conversation with ChatGPT that Colby ended up preaching from
Why hearing God's voice about money can get harder, not easier, once you have more of it
The real gap in most churches when it comes to discipling people who have real wealth
The story behind the first paycheck Colby and his wife decided to give away, no matter who was watching
 
Bible Verses Mentioned:

Matthew 6:19-20
Proverbs 29:18
Deuteronomy 8:18
Romans 1
2 Chronicles 16:9
Psalm 51:11
 
Resources Mentioned:
Simple Money, Rich Life 
 
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.

You can be totally at peace with God, doing everything right, and still not get the thing you've been praying for.
That one hit me hard.
Annie F. Downs sat down with me and Linda to talk about her new book, Don't Let That Hold You Back.
She's the host of the That Sounds Fun podcast, and she just got engaged after decades of being single.
We talked about the idea that if you just get content enough, God will finally hand you what you want.
She says that's not how it works, not even close.
We got into what the Bible actually means by abundant life, and why the enemy's real target isn't your bank account, it's your dreams.
We talked about her "board of directors," the people she lets speak into her biggest decisions instead of just asking ChatGPT.
And we talked about why our company shuts down for three whole months every summer, fully paid, and what that has to do with a verse about letting a field rest.
This one covers faith, waiting, money, and what it looks like to stop letting fear make your decisions for you.
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
Here's a little of what we cover in this episode:
Why Annie says the church stole something from every single person sitting in the pews
The oddly specific bedding advice she gives every single woman (and why it matters more than you'd think)
Why she thinks ChatGPT is a bad replacement for your own "board of directors"
The difference between something that's stolen, killed, and destroyed, and why it changes how you should pray about it
Why our company takes a fully paid, three month break every single summer
The three step process Annie uses to test whether a dream is actually from God
Why "just get content" is terrible advice if you actually want something to change
 
Bible Verses Mentioned
John 10:10
Matthew 7:7
Exodus 23 or Leviticus 25 (sabbath year)
John 16:33
Ecclesiastes 3:11
Proverbs 14:4
Proverbs 11 or 15 (multitude of counselors)
2 Corinthians 2:15
 
Resources Mentioned
Don't Let That Hold You Back by Annie F. Downs
 
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.

Most of us pray about money. Very few of us ask God what to do with it and then sit still long enough to hear an answer.
This is Part 2 of our conversation with our friend Bryan, a business owner and honestly a spiritual mentor in a lot of ways. In Part 1 he showed us how a money idol hides in a phrase you say every day. This time he shows us the other side: what it actually looks like to hear God about a money decision, and what God tends to deal with before He builds anything.
In this conversation we get into the exact ten-minute practice Bryan's whole team uses to ask God what to do (a timer, a notebook, and four things to write down), what came out of it the first time twelve people tried it, why he believes everyone in the room hears something, why "you need $250,000 to do this" is usually money holding you hostage, the stuff in the basement God insists on dealing with first, why you should not rush to be a teacher, the million-dollar cabin God told them to buy with money they did not have, and the question Bryan can't shake: how many spots have I not been in because I didn't listen?
Nothing here is a formula. It's a practice, it happens in community, and Bryan argues against his own decisions the whole way through.
If you want a place to start, Linda and I wrote 30 Days of Prayer for Your Finances for exactly this: one short prayer a day to start asking God about your money instead of just worrying about it. Grab it at: https://seedtime.com/30DOP
 
Timestamps
0:00 Cold open and intro
0:48 Stop stealing God's problem (the easy yoke)
2:44 The ministry friend who thought he needed $250,000
5:41 The ten-minute practice: a timer, a notebook, four things to write down
8:00 Thirteen years of work, one ten-minute prayer
9:54 Ask, seek, knock (and what God deals with first)
12:35 Don't rush to be a teacher
14:57 "Show me the man of lawlessness in me"
16:28 The million-dollar cabin
18:05 How many spots have I not been in?
18:47 Closing prayer
 
Here's a little of what we cover in this episode:
The ten-minute practice Bryan's team uses to ask God what to do
The four things to write down while you listen
Why the number you think you need is usually the thing holding you hostage
What God deals with in your basement before He builds anything
Why Bryan tells new pastors to spend three years getting humbled
The million-dollar cabin, and the guardrail Bryan puts around that story
How many spots have I not been in because I didn't listen?
 
Bible Verses Mentioned:
Matthew 5: 5
Matthew 7: 7-8
Matthew 11: 28-30
Luke 11: 9-10
Nehemiah 6: 15
1 Corinthians 3: 12-15
1 Thessalonians 4: 11
2 Thessalonians 2: 3-8
James 3: 1
Acts 8:2 6-39
Acts 9: 1-19
 
Resources Mentioned:

Growth Tools 
 
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.

You can do everything right with money and still not feel free.
Budget in place. Debt gone. Emergency fund full. And underneath it, the same low hum of anxiety and comparison that was there before.
Our friend Bryan built his entire financial life on three words he'd heard a thousand times: cash is king. He's a Dave Ramsey superfan. He did the debt-free scream. Then one day in the shower it hit him. Cash isn't king. Jesus is.
That one shift exposed a money idol he never knew he had, and it changed how he makes every financial decision since.
In this conversation we get into how to tell whether money has become your idol (it usually hides in a phrase you say every day), the two kingdoms your money can run on, a definition of financial freedom that has nothing to do with a dollar amount, and what happened when Bryan and his wife prayed about spending their last $12,000 and believed God said yes.
To be clear, there is real wisdom in "cash is king." This is not a takedown. It's a conversation about what sits on the throne.
We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M
 
Timestamps
0:00 Cold open and intro
2:57 The three words Bryan built his financial life on
3:51 The shower moment that flipped "cash is king"
7:30 Where the idol got built (and why he never saw it)
10:50 Two kingdoms, two operating systems
20:45 Money wants to give you what only God can
21:50 The stronghold you can't see
23:45 A definition of financial freedom that isn't a dollar amount
26:33 Nearly $1 million in cash to negative $3,000
29:46 The truck, and their last $12,000
31:59 Jesus math
34:01 You gotta ask God
41:19 "I have enough"
 
What we cover:
Here's a little of what we cover in this episode:
The phrase you have heard a thousand times that might be a lie
The two operating systems your money can run on
Why financial freedom can't be a number in an account
The last $12,000 decision that made no financial sense
Why "you have not because you ask not" still challenges Bryan
The first time Bryan ever thought "I have enough"
 
Bible Verses Mentioned:
Genesis 3
Genesis 41
Deuteronomy 27-28
Joshua 6
1 Kings 17
Proverbs 9
Proverbs 21: 20
Matthew 6: 26
Matthew 6: 33
Matthew 17: 27
Romans 1-3
James 4: 2
 
Resources Mentioned:
Growth Tools
 
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 if you don't need more money to pay off your debt?
What if you just need to see what's already in your house?
That's the pattern hiding inside a story in 2 Kings 4.
A widow. A dead husband. A creditor at the door.
And one small flask of olive oil that God multiplied until her debt was gone.
This episode was recorded live from one of our workshops.
Linda and I walk through the whole story, verse by verse.
Then we pull five simple steps out of it for paying off debt fast:
Name your need.
Take inventory of your house.
Gather your jars.
Shut your door.
And pour your flask.
We also tell our own debt payoff story, starting with a blog that made $100 a month.
And why students in our Mission Driven Millionaire coaching program have paid off $17,000, $25,000, even $65,000 of debt in a matter of months…
This isn't a budgeting lecture.
It isn't a "just have more faith" pep talk either.
It's a biblical formula for getting in step with how God works.
And it might change how you see your debt for good.
So grab a notebook. You're going to want to write this one down.
If you enjoyed this, we'd love to invite you to apply for our Mission Driven Millionaire cohort starting soon - can you learn more at: https://seedtime.com/apply
 
What We Cover
Here's a little of what we cover in this episode:
The 5-step biblical pattern we found hiding in a story most people skim past
Why the widow almost missed her own miracle (and how we almost missed ours)
The one line in this story that changes what "faith" actually means for your money
A simple way to tell if an idea is from God or just your own anxiety talking
The real story behind how we paid off all our debt, starting with a blog making $100 a month
Why "getting out of debt" was never supposed to be the finish line
What happened when one of our own financial mentors told us we were making a huge mistake
 
Bible Verses Mentioned
2 Kings 4:1-7
Proverbs 3:9-10
Proverbs 11:14
2 Chronicles 7:14
Ephesians 3:20
 
Resources Mentioned
Simple Money, Rich Life
Mission Driven Millionaire program
True Financial Freedom course
 
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.