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：2022-07-25 06:53:23
- Update Date：2025-09-06
- 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
Katerina Molchanova
，
Overall， it's a very kind book。 There are some original thoughts。 But it's a little bit too much religious explanations for me。。。 Though it provokes thought， I'm not sure I'm ready to fully accept the explanations。 Overall， it's a very kind book。 There are some original thoughts。 But it's a little bit too much religious explanations for me。。。 Though it provokes thought， I'm not sure I'm ready to fully accept the explanations。 。。。more
Maria Bowie
，
Packed with Wisdom and EncouragementI enjoyed reading this book。 It is full of practical， applicable wise information。 I learned so much that I am excited to apply in my life。 I am inspired by the authors' personal testimonies。 They walk the talk and boldly encourage and challenge others to build and use their wealth to advance the Kingdom of God。 After all， it is God who gives us the ability to earn wealth。 Thank you， Bob and Linda， for this awesome work。 To God be the glory。 May He continue to Packed with Wisdom and EncouragementI enjoyed reading this book。 It is full of practical， applicable wise information。 I learned so much that I am excited to apply in my life。 I am inspired by the authors' personal testimonies。 They walk the talk and boldly encourage and challenge others to build and use their wealth to advance the Kingdom of God。 After all， it is God who gives us the ability to earn wealth。 Thank you， Bob and Linda， for this awesome work。 To God be the glory。 May He continue to bless the work of your hands and establish you。 。。。more
Tony Barlow
，
Really helpful book for how to approach money in a Christian way。 Lots of helpful nuggets and easy to implement strategies that make a difference。
Haneke Louw
，
life changingI love the Lord。 I believe that all I have is a gift from Him。 I am only the manager of my life and all my resources。 Everything belongs to Him。 This book gave me such an awesome practical plan to use from now on。
ArynTheLibraryan
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This 21 Day Kickstart to Stress Free Money Management is fascinating。 It actually achieves the goal of being readable， relatable， and useful。 If you don't like talking about finances， or thinking about them， but you know you really should。 then start here！The way the author explains things， and relates them to non-money concepts and situations is wonderful。 I read through the book in far less time than I normally read nonfiction， and am about to start again， this time doing the homework。 He has This 21 Day Kickstart to Stress Free Money Management is fascinating。 It actually achieves the goal of being readable， relatable， and useful。 If you don't like talking about finances， or thinking about them， but you know you really should。 then start here！The way the author explains things， and relates them to non-money concepts and situations is wonderful。 I read through the book in far less time than I normally read nonfiction， and am about to start again， this time doing the homework。 He has a slightly different perspective than the others I've read， and actually makes sense to me， in practical ways to be good stewards， and manage our money， （Saving， Earning， and Giving） a better way。I really appreciate the way the author takes a stressful subject and shows us ways to make it way less stressful， and even find some fun in it。 I received a copy of the book from the author， and chose to review it here。 All thoughts are my own。 。。。more
Julianna Curtis
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I recently changed to working part-time after an 11 year career in IT， to be able to focus more on ministry。 And though I've been a long-time subscriber to Bob Lotich and SeedTime （and have taken some of his online courses）， this book has been such a help！ I am needing to budget very carefully now， but also want to continue focusing on giving and being generous。 Simple Money is helping me do just that！ I love that book has good theology about money， but also very practical tips and challenges an I recently changed to working part-time after an 11 year career in IT， to be able to focus more on ministry。 And though I've been a long-time subscriber to Bob Lotich and SeedTime （and have taken some of his online courses）， this book has been such a help！ I am needing to budget very carefully now， but also want to continue focusing on giving and being generous。 Simple Money is helping me do just that！ I love that book has good theology about money， but also very practical tips and challenges and I have already completed many of them。 No matter where you are in your financial journey， you will benefit from this book！ Highly recommended :） 。。。more
The Modern Bookzilla
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This book was everything I needed and more。 It not only fed me mentally with the overflowing amounts of knowledge and wisdom shared but also fed me spiritually by referencing facts with the truth of the word of God。 If you are reading reviews trying to figure out if you should get this book， GET THIS BOOK！ You will not be disappointed。 It will be a resource you can use and pass on from generation to generation。
Literary Reviewer
，
Bob Lotich shares his story of strength， hope， and faith。 Going through this book， readers will respect the author’s work and the lessons that he shares。 Bob Lotich lays bare his journey with finances and， in a free-flowing manner， gives direction on how to achieve financial freedom with the resources you have。I respect that the author does not sell a fantasy tale about money-making。 Instead， shares his secrets to success and what has worked for him， giving real-life examples of people who have Bob Lotich shares his story of strength， hope， and faith。 Going through this book， readers will respect the author’s work and the lessons that he shares。 Bob Lotich lays bare his journey with finances and， in a free-flowing manner， gives direction on how to achieve financial freedom with the resources you have。I respect that the author does not sell a fantasy tale about money-making。 Instead， shares his secrets to success and what has worked for him， giving real-life examples of people who have made it without being given a head start。 The primary lesson you get from this book is that you do not have to come from money to be wealthy。 Instead， money attracts those that are hungry enough for it。Simple Money， Rich Life is the book you did not know you needed until you read it。 Bob Lotich writes about finances， making money， and how the path you take affects your financial outcome and eventually your lifestyle。In his book， Bob Lotich starts by discussing his relationship with God。 The first chapter is titled ‘The Battle is His， But You Have to Show Up。’ A befitting title for the content inside the chapter。 In this chapter， you learn how crucial money is in every setting， how draining having a debt can be， and its impact on your life。 I love that the author introduced the religious aspect of things， as it gives readers faith and hopes to trust in God。 Reading Bob Lotich’s book gives readers a sense of realization。 His relationship with God is amazing， and his perspective of life is fascinating。 Lotich’s words are intriguing and inspire one to take the straight path。 Throughout the book， you see the importance of religion as it has been a pillar to the author and his wife and helped him get back up。 By the end of the reading， you feel fulfilled spiritually， financially， and socially。Bob Lotich’s book will enable you to mold yourself to the best version。 The author’s gentle words， courteous phrases， and valuable advice are worthwhile。 The five critical pieces of advice I have taken from the book are budgeting and having a solid spending structure， debt management， your relationship with God， the significance of family， and making the best financial decisions。 I like that the author extensively writes about saving and expounds on how you can save and still enjoy the good things in life。 Bob Lotich is pragmatic， making his work stand out; he does not sell illusions。Simple Money， Rich Life is a financial self-help book for those that want to approach financial security through faith and evidence-based methods。 Readers will walk away from this educational book with renewed faith and a feeling that they， too， can reach a stable financial life。 。。。more
Tegan V
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After successfully using the Real Money Method system by Bob and Linda， I was pumped to read this book。 It read quickly and easily and honestly was entertaining and not dry like other financial books。 There are so many golden nuggets of info in this book that I can’t wait to share with others and buy them a copy too！！
Mike C
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Read several chapters and found it to be different good on how to build wealth and enjoy life while doing so。 Highly recommend to anyone who wants to save and invest but also have fun at same time
Evie Albert
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Great book。 I was glad to see the emphasis on giving。 It's good to know that Bob and his wife aren't just obsessed with collecting more money and more stuff。 They care about making eternal impact with what they have。 Great book。 I was glad to see the emphasis on giving。 It's good to know that Bob and his wife aren't just obsessed with collecting more money and more stuff。 They care about making eternal impact with what they have。 。。。more
Jennifer Ocampo
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This book is fantastic and a motivator if you have reached that point of wanting to either simply get out of debt or take it further and get your financial house in order。 I love how Bob and Linda consistently point us to the Bible and what God tells us about who we are and that we are really managing and using what He has put before us。 Bob and Linda are also authentic in sharing their own struggles and how God has used them and brought them to where they are today。 Truly an encouragement。
Vera
，
A must read！ Bob and Linda are so genuinely caring to share their financial successes with us who struggled to crawl out of our financial pits（self imposed or not）！I greatly appreciate how they do not forget who it was that brought them out of their pits。 They always give God his props for their successful turnaround and to never forget that we are stewards of HIS money！
D。 Albrecht
，
This is great book filled with personal testimonies of the simple and effective methods of becoming a wiser steward of your finances。It is a great complimentary resource to SeedTime’s Real Money Method course， also highly recommended。The structure of the book makes it easy to read and I loved the little snippets of information throughout the book that Linda shared from a little different perspective。This book will add to your financial insight and be a real asset in your journey to financial wel This is great book filled with personal testimonies of the simple and effective methods of becoming a wiser steward of your finances。It is a great complimentary resource to SeedTime’s Real Money Method course， also highly recommended。The structure of the book makes it easy to read and I loved the little snippets of information throughout the book that Linda shared from a little different perspective。This book will add to your financial insight and be a real asset in your journey to financial well-being。 。。。more
Donald Brandon
，
This book is a must read if you want to get your mindset right about money。 I have learned so much in reading it and God has been talking to me through it as I can see parallels in my own life。 I couldn't believe it when I read the excerpt about 2 Chronicles 20 and they next day I picked up my Bible for my daily read and what was the next chapter in my reading lineup？ You guessed it， 2 Chronicles 20！ Was such a blessing。 This book is a must read if you want to get your mindset right about money。 I have learned so much in reading it and God has been talking to me through it as I can see parallels in my own life。 I couldn't believe it when I read the excerpt about 2 Chronicles 20 and they next day I picked up my Bible for my daily read and what was the next chapter in my reading lineup？ You guessed it， 2 Chronicles 20！ Was such a blessing。 。。。more
Caleb Geuns
，
So far， halfway through， this common sense approach to saving， and in turn giving， has me riveted。 Such simple and small steps add up to be monumental for your households budget。 I am flipping pages fast and cant wait to implement as much as possible。
Caylee （caylee。reads）
，
I am so glad I read this book！ There are so many great takeaways and helpful tips in Simple Money， Rich Life。 Bob Lotich has years of financial experience and breaks it down in a way the reader can easily understand。 Bob goes over how to be a good steward of the money God has blessed us with。 Bob Lotich changed the way I view giving。 He states that there aren't any rules in giving and you can give as much as you feel called。 There is no perfect amount to give and it is different for everyone。 Yo I am so glad I read this book！ There are so many great takeaways and helpful tips in Simple Money， Rich Life。 Bob Lotich has years of financial experience and breaks it down in a way the reader can easily understand。 Bob goes over how to be a good steward of the money God has blessed us with。 Bob Lotich changed the way I view giving。 He states that there aren't any rules in giving and you can give as much as you feel called。 There is no perfect amount to give and it is different for everyone。 You're not limited to give 10%。 I feel better about my financial future and feel motivated to earn， save， give， and enjoy money。 I feel less stressed about money overall and am more grateful for what the Lord has blessed me with。 。。。more
Adam Simon
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Save all you can。 Earn all you can。 Give all you can。 Enjoy it all。 This is exactly what I’ve needed and it was as if Bob and Linda peered into our checkbook （and hearts） and knew the road ahead us， paving the way。 If you are looking for a practical， biblical， immediately applicable ， no-nonsense， miraculous approach to financial freedom and Godly living， this is your book！！
Michelle
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I greatly admire and appreciate the God-centered approach that Bob Lotich and his wife， Linda， bring to the financial table。 His approach to viewing money as a way to glorify the Lord is inspiring。 This book is full of spiritual applications to financial life AS WELL AS highly effective AND doable steps to achieve a truly rich life。 My husband and I have done his budgeting course and can attest to the realistic simplicity of his theories and teachings。 Within the first few chapters， this book ha I greatly admire and appreciate the God-centered approach that Bob Lotich and his wife， Linda， bring to the financial table。 His approach to viewing money as a way to glorify the Lord is inspiring。 This book is full of spiritual applications to financial life AS WELL AS highly effective AND doable steps to achieve a truly rich life。 My husband and I have done his budgeting course and can attest to the realistic simplicity of his theories and teachings。 Within the first few chapters， this book had me ready to re-evaluate our money management （even though we've done his course and are financially stable！） so that we can save and give even more。 Bob and Linda blend the physical with the spiritual in a remarkable way。 I can't recommend following their blog， podcast， and now reading this book， highly enough！ 。。。more
Lyanna
，
Bob and Linda give practical and biblical lessons in managing finances in their new book “Simple Money， Rich Life。” I love the down to earth way Bob approaches money and I love that Linda chimes in throughout the book with helping us remember to keep it fun！ I highly recommend this read if you want to live the good life God’s way！
Walter
，
This is a wonderful resource that will help anyone。 Whether you know nearly nothing about finances， or consider yourself an expert， there is something here for you。 A very encouraging read for those struggling financially， too。 Thank you Bob for writing this great gift to the church。
Tim
，
This book is an easy read， yet the principles are timeless for anyone in any financial situation。 Don't despair， but take control thru what you learn in "Simple Money， Rich Life"。 This book is an easy read， yet the principles are timeless for anyone in any financial situation。 Don't despair， but take control thru what you learn in "Simple Money， Rich Life"。 。。。more
Linda Eggerth
，
I love how this book combines practical， easy-to-understand financial helps with principles from the Bible。 It’s great being reminded that we don’t have to deprive ourselves of things we love。 Rather， “smart spending gives you the freedom to pursue a rich life by focusing on what you love most” （from Chapter 8， How to spend more on what you love）。 No matter your stage in life， this book will help。
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
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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
，