{"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":"You're Not Broke — You Have a Leak. Here's the Framework That Finds It.","slug":"you-re-not-broke-you-have-a-leak-here-s-the-framework-that-finds-it","published_at":"2026-04-24T12:00:00+00:00","page_url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777/you-re-not-broke-you-have-a-leak-here-s-the-framework-that-finds-it","show_page_url":"https://stenobird.com/podcast/seedtime-with-bob-and-linda-lotich-65777","url":"https://seedtime.libsyn.com/youre-not-broke-you-have-a-leak-heres-the-framework-that-finds-it","audio_url":"https://traffic.libsyn.com/secure/seedtime/Youre_Not_Broke__You_Have_a_Leak._Heres_the_Framework_That_Finds_It_.mp3?dest-id=691991","summary":"You're not careless with money. You try to be intentional. But somehow at the end of the month, there's still less than there should be — and you can't quite figure out where it went. What if the problem isn't discipline — but a type of spending leak that even the most careful budgeters almost never catch? In this episode, I walk through the Cost vs. Frequency Matrix — a simple framework for identifying three invisible drains that quietly bleed most middle-class budgets dry. We talk about value decay (purchases that made total sense once, but quietly stopped serving you), what the average American home's 300,000 items tells us about how we buy things, and how this all connects back to what it really means to steward what God has entrusted to you. This is a workshop-style episode, so grab something to write with. 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: Why the average American home has 300,000 items — and what that tells us about how we actually spend money The three types of invisible \"drains\" that bleed most middle-class budgets without anyone noticing What \"value decay\" is and how to spot purchases that quietly stopped making sense in your life How to use the Cost vs. Frequency Matrix as a practical tool in about 10 minutes Why even the most disciplined budgeters often miss this category of spending What it means to manage money as a steward — and how that single mindset shift changes every decision The surprising connection between clutter, housework, and how much money is quietly walking out the door RESOURCES MENTIONED Real Money Method course Mission Driven…","meta_description":"You're not careless with money. You try to be intentional. But somehow at the end of the month, there's still less than there should be — and you can't qu…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2523,"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/you-re-not-broke-you-have-a-leak-here-s-the-framework-that-finds-it/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/you-re-not-broke-you-have-a-leak-here-s-the-framework-that-finds-it.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}