Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact
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- Type：Epub+TxT+PDF+Mobi
- Create Date：2022-04-27 10:21:36
- Update Date：2025-09-08
- Status：finish
- Author：Bob Lotich
- ISBN：0593193652
- Environment：PC/Android/iPhone/iPad/Kindle
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Summary
A hope-filled money guide to increase savings， earnings， and giving and
actually
enjoy it all while designing a life of freedom and eternal impact， from the founder of SeedTime Money。
Broken down and stranded 1，000 miles from home with only $7 left in his bank account， Bob Lotich had reached his breaking point。 He was stuck in a dead-end job， living paycheck-to-paycheck， and overwhelmed by debt。 Bob had been following the world's advice with money and this was the fruit of it。 In desperation， he cried out to God for wisdom， for a different way。 The answer was a simple four-part formula， one based on timeless biblical principles， and， most important， it worked。
After applying this simple formula， Bob discovered that his financial stress melted away and he finally felt fully in control of his money。 As he continued to follow the four steps， he paid off over $400，000 in debt， reached a personal goal of giving $1 million by age 40， and achieved a level of financial freedom he never dreamed possible。
In his casual and approachable style， Bob （along with his fun-loving wife， Linda） shares everything he learned about achieving true financial freedom， including:
- How to create a money system so you can spend less time and get better results
- The One-Category Budget: get 80% of the results with 20% of the work
- The four keys to earning more in the digital era
- How to automate your way to financial success in less than 10 minutes
- The secrets of a six-figure giver
- Three credit card rules that banks don't want you to know
- How to save $100s each month while still buying what you love
- And much more！
Whether you are doing "fine" or are in a financial crisis， the included 21-day kick-start will leave you with specific action items to guide you to success。 You can have financial security， peace， significance， and eternal impact。 Let Bob show you how to reimagine money as it was meant to be: simple。
Broken down and stranded 1，000 miles from home with only $7 left in his bank account， Bob Lotich had reached his breaking point。 He was stuck in a dead-end job， living paycheck-to-paycheck， and overwhelmed by debt。 Bob had been following the world's advice with money and this was the fruit of it。 In desperation， he cried out to God for wisdom， for a different way。 The answer was a simple four-part formula， one based on timeless biblical principles， and， most important， it worked。
After applying this simple formula， Bob discovered that his financial stress melted away and he finally felt fully in control of his money。 As he continued to follow the four steps， he paid off over $400，000 in debt， reached a personal goal of giving $1 million by age 40， and achieved a level of financial freedom he never dreamed possible。
In his casual and approachable style， Bob （along with his fun-loving wife， Linda） shares everything he learned about achieving true financial freedom， including:
- How to create a money system so you can spend less time and get better results
- The One-Category Budget: get 80% of the results with 20% of the work
- The four keys to earning more in the digital era
- How to automate your way to financial success in less than 10 minutes
- The secrets of a six-figure giver
- Three credit card rules that banks don't want you to know
- How to save $100s each month while still buying what you love
- And much more！
Whether you are doing "fine" or are in a financial crisis， the included 21-day kick-start will leave you with specific action items to guide you to success。 You can have financial security， peace， significance， and eternal impact。 Let Bob show you how to reimagine money as it was meant to be: simple。
Reviews
Carl Gurley
，
When everyone clamors for your attention with their latest "get rich and win the money against war"， Bob and Linda Lotich present a well-grounded and sensible format on learning the value of money， and how to manage it instead of it managing you。 A very clear approach to make strides in managing and not being a slave to the money pit of life。 When everyone clamors for your attention with their latest "get rich and win the money against war"， Bob and Linda Lotich present a well-grounded and sensible format on learning the value of money， and how to manage it instead of it managing you。 A very clear approach to make strides in managing and not being a slave to the money pit of life。 。。。more
Randy
，
What a great book！ It is well written， focused， to the point， and delivers exactly what it promises。 I found it to be wonderfully practical and full of Biblical wisdom。 Bob and Linda will not only teach you how to achieve abundance， but will also teach you WHY which is far more important。 No matter how much experience you have with money （Im a Chartered Financial Consultant with 43 years in the financial industry！）， it is highly likely you will find something here that causes you to stretch and What a great book！ It is well written， focused， to the point， and delivers exactly what it promises。 I found it to be wonderfully practical and full of Biblical wisdom。 Bob and Linda will not only teach you how to achieve abundance， but will also teach you WHY which is far more important。 No matter how much experience you have with money （Im a Chartered Financial Consultant with 43 years in the financial industry！）， it is highly likely you will find something here that causes you to stretch and motivates you to go beyond where you have been so far in your journey with money， stewardship， and giving。 I certainly did and I have six pages of notes to prove it！ I have already ordered multiple copies so I have plenty to give away。 Don’t miss this one。 It is well worth your time。 。。。more
Tammie Allen
，
This book is awesome！ I was drawn in from the very beginning！ I love the AUM， Assets under Management， as a way to track your "net worth"。 It was eye-opening because we are all worth so much more than mere numbers to God。 Bob and Linda show practical ways to manage assets entrusted to us based on Biblical principles。 I had so many "ah hah" moments throughout these chapters。 The read was fun and engaging; like sitting and having a real conversation with Bob and Linda。 I highly recommend you purch This book is awesome！ I was drawn in from the very beginning！ I love the AUM， Assets under Management， as a way to track your "net worth"。 It was eye-opening because we are all worth so much more than mere numbers to God。 Bob and Linda show practical ways to manage assets entrusted to us based on Biblical principles。 I had so many "ah hah" moments throughout these chapters。 The read was fun and engaging; like sitting and having a real conversation with Bob and Linda。 I highly recommend you purchase this book！ 。。。more
Sharon Rose Brown
，
There is so much financial advice available online these days but this book is second to none。 One of the things that adds the greatest value to the principles laid out here is Bob & Linda practice what they preach。 If you are someone who has been in substantial debt， they've been there， too， and are incredibly transparent while steering away from guilt and shame over poor decisions。 Bob gives practical， biblical wisdom while Linda's voice adds humor and relatable experiences to the narrative。 T There is so much financial advice available online these days but this book is second to none。 One of the things that adds the greatest value to the principles laid out here is Bob & Linda practice what they preach。 If you are someone who has been in substantial debt， they've been there， too， and are incredibly transparent while steering away from guilt and shame over poor decisions。 Bob gives practical， biblical wisdom while Linda's voice adds humor and relatable experiences to the narrative。 This is a book you'll want to get for yourself as well as copies for family， friends， and co-workers。 。。。more
Andrew C
，
I am thoroughly enjoying reading this book。 Bob caught my attention early in the book when he introduced his version of a net worth tracker， which he calls AUM - Assets Under Management。 That alone is enough reason for me to give my time in reading what Bob has written in this book; it shows that he striving to maintain a focus on the spiritual responsibility we have as stewards of what belongs to God as he approaches the subjects of money， wealth and finances。
Aaron Allcorn
，
I read quite a bit， and this is probably the most important and valuable book I've read this year。 The conversational style in which it is written keeps it interesting and engaging。 There are a lot of great tips on reducing your expenses and growing your wealth as well as strategies to enable you to do more of the things you love most。 The section on calling and purpose was really well done and helps keep the focus on honoring God through our finances。 I've already ordered extra copies to give a I read quite a bit， and this is probably the most important and valuable book I've read this year。 The conversational style in which it is written keeps it interesting and engaging。 There are a lot of great tips on reducing your expenses and growing your wealth as well as strategies to enable you to do more of the things you love most。 The section on calling and purpose was really well done and helps keep the focus on honoring God through our finances。 I've already ordered extra copies to give as gifts。 。。。more
Josh
，
This book is going to be a life changing read。 Forget what you have learned about money。 Forget about eating rice and beans to pay down your debt。 With the biblical and financial teachings from Bob and Linda’s fun insights and comments this book is an enjoyable read。 It has simple practical steps and easy advice to follow。
Darleene
，
I have been a huge fan & follower of Bob Lotich， and his lovely & lively wife Linda！ I’m so glad Bob decided to compile his thoughts and strategies in an easy-to-understand and implement format。 Prosperity， financial freedom and peace are God’s will for our lives and it is totally attainable。 I am a huge proponent of financial literacy and creating generation wealth， especially for my kids！ However， I am not always the best teacher and I do not profess to know it all。 Not only is this book a goo I have been a huge fan & follower of Bob Lotich， and his lovely & lively wife Linda！ I’m so glad Bob decided to compile his thoughts and strategies in an easy-to-understand and implement format。 Prosperity， financial freedom and peace are God’s will for our lives and it is totally attainable。 I am a huge proponent of financial literacy and creating generation wealth， especially for my kids！ However， I am not always the best teacher and I do not profess to know it all。 Not only is this book a good roadmap for me to follow for my own benefit， I plan for my children （and grandchildren whenever they arrive！） to reap the benefits of my financial stewardship and wisdom。 Financial hurdles often seem insurmountable but Bob helps you figure some ways out so that you can chip away at your debt while building your legacy。 It will take patience， consistency， discipline， and accountability but this book is such an incredible resource that you will find yourself reading it over and over again， and hopefully implementing the strategies！ This book would make a great graduation gift， wedding gift， financial literacy group study， family study， book club， or just sharing knowledge and inspiration with friends。 Bob also puts his own spin on a few traditional financial strategies that may be easier to implement。 This book is a must-have for your financial library！ 。。。more
Tony Slate
，
I have been following Bob Lotich's blogs and teachings for a while now。 Was very excited to start reading his book！ Very practical。 Also super encouraging！ It seems like there are several books that I have read that I felt like I missed the boat financially。 This book has encouraged me that I am not too late。 I can start now and can have a Kingdom perspective on my finances。 I have ordered a second copy to give to a friend。 And I am hoping to share with my church as well。 Thank you so much！ I have been following Bob Lotich's blogs and teachings for a while now。 Was very excited to start reading his book！ Very practical。 Also super encouraging！ It seems like there are several books that I have read that I felt like I missed the boat financially。 This book has encouraged me that I am not too late。 I can start now and can have a Kingdom perspective on my finances。 I have ordered a second copy to give to a friend。 And I am hoping to share with my church as well。 Thank you so much！ 。。。more
Michael D Keen
，
This book is very inspiring。 I can relate to where the author was financially when he started on this process of managing God's money in God's way。 I have hope now that God can help me know how to manage what God has given me。 I highly recommend this book。 This book is very inspiring。 I can relate to where the author was financially when he started on this process of managing God's money in God's way。 I have hope now that God can help me know how to manage what God has given me。 I highly recommend this book。 。。。more
Carol
，
I loved this book and highly recommend it。 Wherever you are in your financial journey， there is something for you。 The author has a great story， great faith， much wisdom and great strategies to share。 I am so happy that I ordered 3 extra copies for friends！ Carol
Aracely Avila
，
This book has changed they way I look at money。 It gives simple strategies that anyone can apply in order to save and make more money。 There is so much wisdom in these pages！ I feel more at peace knowing that I can manage my money using simple steps that I can understand and see results。 Most importantly， they tie all this to Biblical truth。 I am so thankful for this insight and for Bob and Laura's obedience。 This book has changed they way I look at money。 It gives simple strategies that anyone can apply in order to save and make more money。 There is so much wisdom in these pages！ I feel more at peace knowing that I can manage my money using simple steps that I can understand and see results。 Most importantly， they tie all this to Biblical truth。 I am so thankful for this insight and for Bob and Laura's obedience。 。。。more
Margaret Radigan
，
I have been following the Lotichs for a couple of years and they have helped me in multiple ways， especially by demystifying financial strategies so that I can increase my financial competence in order to be more confident and successful。 I have begun to use their Straight-A strategies （Attention， Automate， Adjust， and Accountability） to gradually become more observant and in control of my spending。 In addition， learning how to "automate" （e。g。 contributing to my Roth IRA） has been a game change I have been following the Lotichs for a couple of years and they have helped me in multiple ways， especially by demystifying financial strategies so that I can increase my financial competence in order to be more confident and successful。 I have begun to use their Straight-A strategies （Attention， Automate， Adjust， and Accountability） to gradually become more observant and in control of my spending。 In addition， learning how to "automate" （e。g。 contributing to my Roth IRA） has been a game changer for me。 In their book， they lay it out beautifully: "Smart spending doesn't mean deprivation and penny-pinching。 Rather， smart spending gives you the freedom to pursue a rich life by focusing on what you love most。 What if you could spend guilt-free on the things you love？ What would you be willing to give up so you could make it happen？" This theory encouraged me to write down the life-giving activities/etc that energize me， so that I can focus my energy and money more on those items/events and less on random Amazon purchases。 I highly recommend this book！！ 。。。more
Joanne M
，
An awesome financial book， that is biblically based。 It gives actionable steps that are relevant to anyone no matter their income level。 It has given me practical steps to help me achieve my financial dreams， with encouragement and hope。 It is life changing， and a must-read！
Grant Huggins
，
Bob （and Linda） have provided an encouraging personal finance course in this book。 Their style is refreshing in the personal finance space， as it is a fun read！ More importantly， it is obvious that they love Jesus more than they love money。 Their humble approach is based on their study of scripture first， and what has worked for them second。 They focus on tips that work for normal people in normal life。
Lee
，
Reading this book after several years of following the blog Seedtime。com gives me such a thrill。 Bob and Linda Lotich bring such a personal， friendly touch to the field of finance。 The book highlights their mission in life， to help others in practical ways to get control of their money， so they are free to follow their God-given purpose。 I've enjoyed reading Bob and Linda's stories， which start from the very beginning of their journey and lead into how to get out of debt/bondage。 Bob going from Reading this book after several years of following the blog Seedtime。com gives me such a thrill。 Bob and Linda Lotich bring such a personal， friendly touch to the field of finance。 The book highlights their mission in life， to help others in practical ways to get control of their money， so they are free to follow their God-given purpose。 I've enjoyed reading Bob and Linda's stories， which start from the very beginning of their journey and lead into how to get out of debt/bondage。 Bob going from a job he hates to one he loves， is a story that stands out to me。 The book shows how to get to a place of giving that I think every person should aspire to。 I appreciate the practical steps， as well as the personal wisdom within this book， Simple Money， Rich Life， and I highly recommend it。 。。。more
Sherri Stauffer
，
I've been following Bob for several years and am excited about his new book。 He takes what can be a scary subject and helps you face where you are and then gives a plan for how to get on a path of financial health that works for you。 His approach to start where you are and make small changes is simple to follow even when it's not the easiest。 Having Linda chime in is fun & refreshing。 She has walked this out and lived it first-hand right by his side。 There's no condemnation， just encouragement t I've been following Bob for several years and am excited about his new book。 He takes what can be a scary subject and helps you face where you are and then gives a plan for how to get on a path of financial health that works for you。 His approach to start where you are and make small changes is simple to follow even when it's not the easiest。 Having Linda chime in is fun & refreshing。 She has walked this out and lived it first-hand right by his side。 There's no condemnation， just encouragement that you can manage your finances well。 。。。more
Henry Iveson
，
Honest and forthright advice written in a very easy to read and understand format。 Timeless principles that really work。 A holistic approach to God， your life， your money and how it all is intertwined and comes together。 This is a fantastic book to help you no matter where you are in your life。 Whether you're broke or struggling or thriving。 Bob & Linda have shown us what is possible and they’re living it every day。 For about the price of a Chipotle lunch this book can open doors to wonders that Honest and forthright advice written in a very easy to read and understand format。 Timeless principles that really work。 A holistic approach to God， your life， your money and how it all is intertwined and comes together。 This is a fantastic book to help you no matter where you are in your life。 Whether you're broke or struggling or thriving。 Bob & Linda have shown us what is possible and they’re living it every day。 For about the price of a Chipotle lunch this book can open doors to wonders that may have seemed impossible。 Truly a life changing read and very highly recommended。 。。。more
Stacey
，
Financial wisdom （Bob） paired with a personal cheerleader （Linda）。 Bob and Linda share simple yet effective tools and techniques （sprinkled with encouragement） for taking control of your money so that you can live the life God created you to live。 This is now my FAVORITE financial book yet， and I’ve read many books on money management。 Each chapter is short and concise， focusing on a particular concept or strategy。 None of the strategies are overly complicated even though they can create life-ch Financial wisdom （Bob） paired with a personal cheerleader （Linda）。 Bob and Linda share simple yet effective tools and techniques （sprinkled with encouragement） for taking control of your money so that you can live the life God created you to live。 This is now my FAVORITE financial book yet， and I’ve read many books on money management。 Each chapter is short and concise， focusing on a particular concept or strategy。 None of the strategies are overly complicated even though they can create life-changing financial breakthroughs。 I am ordering an additional copy now for my son， a junior in college。 Thank you Bob & Linda！ 。。。more
Uriah
，
Bob and Linda are the real deal。 They keep it raw and honest in this book， letting all of us know that God can do the extraordinary in our finances through our ordinary efforts。 Their lives and content have rekindled the excitement of giving—that our wealth is measured by how much we give， not get。 This book， paired with their True Financial Freedom course， was an absolute God-send， and we believe it will be the foundation for a financial future only God could dream up！
Mark
，
At 65， Simple Money， Rich Life is encouraging me to plan another adventure。 I am reading it through first， then I’ll go back through and do the home work。 Because of the encouragement I’ve found in it， I’ve shared about it with nearly a dozen friends and family members。 I love the “AUM” as an alternative way of looking at stewardship overall。 I'm enjoying the podcasts， especially on sabbaticals！ At 65， Simple Money， Rich Life is encouraging me to plan another adventure。 I am reading it through first， then I’ll go back through and do the home work。 Because of the encouragement I’ve found in it， I’ve shared about it with nearly a dozen friends and family members。 I love the “AUM” as an alternative way of looking at stewardship overall。 I'm enjoying the podcasts， especially on sabbaticals！ 。。。more
Kelly Carey
，
This book is a must-read！ Whether you are younger or older， Bob and Linda Lotich offer encouragement and instill confidence by providing a roadmap to help you gain control of your finances and make the most of your financial future starting today using sound， financial strategies such as the One-Category Budget and the Straight-A Strategy。 This book offers short chapters complete with actionable advice for managing your finances with intentionality。
Natalie
，
It's not often that a financial book gets my attention。 Bookstores are filled with 'experts' pandering their system for financial success and I am a bit fatigued from it all。 However， I must admit Simple Money， Rich Life is a refreshing read。 Lotich's approach to financial freedom is biblically based and PRACTICAL and I'm here for it！ Finally， financial advice that I can share with my teen in college and my parents。 No matter your age or stage， this system can be integrated and implemented in mo It's not often that a financial book gets my attention。 Bookstores are filled with 'experts' pandering their system for financial success and I am a bit fatigued from it all。 However， I must admit Simple Money， Rich Life is a refreshing read。 Lotich's approach to financial freedom is biblically based and PRACTICAL and I'm here for it！ Finally， financial advice that I can share with my teen in college and my parents。 No matter your age or stage， this system can be integrated and implemented in most circumstances。 I am looking forward to reading the rest of the book and incorporating the suggestions。 I especially like the emphasis on giving。 In a culture that is fixated on acquiring material things， it's easy to lose sight of the fact that we can't take any of those things with us when we die。 It truly is more blessed to give than to receive。 。。。more
Marianne
，
A wonderful guide to getting ahead， no matter the starting point！ I have ordered a book for each of my children who are in various stages of adulting。 No matter how much I tell them to watch their money， don't spend on frivolous things， save， save and save more， learn by my mistakes， they don't always listen to me。 And， yes， I was one of those kids myself and have learned the hard way。 I love the real world examples of life happening， that placing your faith in someone higher than self， you can A wonderful guide to getting ahead， no matter the starting point！ I have ordered a book for each of my children who are in various stages of adulting。 No matter how much I tell them to watch their money， don't spend on frivolous things， save， save and save more， learn by my mistakes， they don't always listen to me。 And， yes， I was one of those kids myself and have learned the hard way。 I love the real world examples of life happening， that placing your faith in someone higher than self， you can achieve on your own and not run to the parents for help。 I wish someone had handed me a simple to read book on these financial life lessons when I was younger。 I would have changed my path quickly。 As they say though， it is never too late to learn。 Truly an inspirational read and guide to lifelong financial success and one that can be referenced frequently。 Thank you， Bob and Linda， for sharing your insights and lessons and making all of us the richer for it。 I can't wait to get my hard copy！ 。。。more
Timberley Gray
，
Literally in tears reading the first three chapters。 I have always enjoyed reading financial books， specifically financial books with biblical principles at that。 And this book right here captured my attention because of the practical and biblical advice given。 They were suggestions I hadn't heard before and made perfect sense。 I cannot wait to learn more- this is truly a divine intervention of information my husband and I need in this season of our life。 Literally in tears reading the first three chapters。 I have always enjoyed reading financial books， specifically financial books with biblical principles at that。 And this book right here captured my attention because of the practical and biblical advice given。 They were suggestions I hadn't heard before and made perfect sense。 I cannot wait to learn more- this is truly a divine intervention of information my husband and I need in this season of our life。 。。。more
Peggy Pedroza
，
The practical information in this book is phenomenal！ It's not a one-time read but a resource I will be referring back to continually。 The practical information in this book is phenomenal！ It's not a one-time read but a resource I will be referring back to continually。 。。。more
Ashley
，
Seven chapters in and eager to turn the page。 Linda’s comments sprinkled in each chapter are so relatable I find myself nodding in agreement。 I highly recommend this book to anyone interested in a biblical perspective on personal finance。 This book is a shame-free approach to enjoying your life （with all the guilty pleasures） while creating healthy money habits， giving， and building wealth on ANY amount of income。
ERIC MCPHERSON
，
Awesome book！ Bob， and his wife Linda， have written a wonderful book on how we should view our finances from a Biblical perspective。 Once we learn the money we have isn't truly our money， but God's， we become better stewards of what God has entrusted was with。 Awesome book！ Bob， and his wife Linda， have written a wonderful book on how we should view our finances from a Biblical perspective。 Once we learn the money we have isn't truly our money， but God's， we become better stewards of what God has entrusted was with。 。。。more
Anela
，
This is not just any other personal finance book。 It’s not just about budgeting， getting out of debt or increasing your income， although that’s always part of the equation。 Bob （along with his wife， Linda） go deeper into how you can reach TRUE financial freedom。 They’ve been in the trenches before and they share examples of how they’ve got out of it， not only by the things they’ve done， but how God came through。 This is the first book that I’ve read that genuinely seeks to fully know and apply w This is not just any other personal finance book。 It’s not just about budgeting， getting out of debt or increasing your income， although that’s always part of the equation。 Bob （along with his wife， Linda） go deeper into how you can reach TRUE financial freedom。 They’ve been in the trenches before and they share examples of how they’ve got out of it， not only by the things they’ve done， but how God came through。 This is the first book that I’ve read that genuinely seeks to fully know and apply what God teaches about money， stewardship AND how to realistically apply that to my life。 The chapters and action steps are easy to follow and you can start to make changes in your financial life today。 。。。more
Cynthia Robbins
，