Trust Over Balance Sheets — Bob & Linda Lotich On Finding True Financial Freedom StRest With Kerstin Lindquist podcast

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

16d ago 1:09:53

Content provided by Kerstin Lindquist and The Frequency Network: The Wave. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Kerstin Lindquist and The Frequency Network: The Wave or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

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

More about Kerstin

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

40 episodes