{"podcast":{"title":"SeedTime with Bob and Linda Lotich","slug":"seedtime-with-bob-and-linda-lotich-65777","podcast_index_feed_id":65777,"rss_url":"https://seedtime.libsyn.com/rss","website_url":"https://seedtime.com","image_url":"https://static.libsyn.com/p/assets/f/d/4/7/fd47b6295167ded1d959afa2a1bf1c87/2026_Podcast_cover_SeedTime_Money.jpg","author":"Bob Lotich, Certified Educator in Personal Finance","episode_count":400,"summary":"Success as a Christian. Success in Marriage. Success as a manager of the money God's entrusted to you. That's what we're after. If you want that too, then you'll love the show. Learn to simplify, automate, multiply & get full control of the money God's entrusted you with. So you can quit stressing about it, pay off debt & get on with your God-given purpose. Oh and we have a different take on money than most financial experts. We aren't going to judge you for your past mistakes and we haven't forgotten the pain of being broke so we can relate. We believe simple always beats complicated. And we believe money isn't the goal, but is simply a tool that can be used to fulfill what God has called us to do. We help you spend less time thinking about money while getting better results. The Seed Time Money podcast is where we (Bob & Linda Lotich) share the mindsets, beliefs and strategies we used to go from being debt-ridden and broke to: - paying off $400k of debt - eliminating all guilt and shame with money - building multiple streams of passive income - honoring God with our finances - learning how to save & invest wisely - having financial unity in our marriage - giving $1 million by ag…","last_synced_at":"2026-07-17T18:22:14.174059+00:00","page_url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777"},"episode":{"title":"The 4 Stages of Money (And Why Most People Get Stuck in Stage 2)","slug":"the-4-stages-of-money-and-why-most-people-get-stuck-in-stage-2","published_at":"2026-05-15T12:00:00+00:00","page_url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777/the-4-stages-of-money-and-why-most-people-get-stuck-in-stage-2","show_page_url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777","url":"https://seedtime.libsyn.com/the-4-stages-of-money-and-why-most-people-get-stuck-in-stage-2","audio_url":"https://traffic.libsyn.com/secure/seedtime/The_4_Stages_of_Money_And_Why_Most_People_Get_Stuck_in_Stage_2.mp3?dest-id=691991","summary":"37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost nothing to do with how much we make. Linda and I have coached people pulling in $250k who are dead broke. We've watched a $20,000 raise get absorbed by lifestyle inside six months and leave them exactly where they started. The problem isn't income. The problem is that most of us are working hard on the wrong math problem. In this episode we walk through the four stages of money (surviving, stable, secure, and surplus) and the one mistake almost everybody makes when they try to jump from one stage to the next. We get into why \"boring\" is the actual investing strategy, why we wish we wouldn't have taken the raise, the bank-manager story that explains why the system is rigged against people in stage one, and the moment we finally figured out that the move that got us from stage one to stage two was the exact same move keeping us stuck in stage two for 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 this episode: The stat that proves your financial stage has almost nothing to do with your income The 4 stages of money and how to know which one you're actually in The one mistake almost everybody makes trying to jump from one stage to the next Why a $20k raise can leave you with the same $0 left at the end of the month The bank manager story that exposes how the system is rigged against people in stage one Why \"boring\" is actually the right investing strategy at stage three The Elon-Musk-doesn't-mow-his-own-lawn principle most people get b…","meta_description":"37% of people making $250,000 a year are living paycheck to paycheck right now. Which means the thing keeping most of us stuck financially has almost noth…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1241,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/seedtime-with-bob-and-linda-lotich-65777/episodes/the-4-stages-of-money-and-why-most-people-get-stuck-in-stage-2/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777/the-4-stages-of-money-and-why-most-people-get-stuck-in-stage-2.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}