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Episodes / Finances / Interviews / Marriage / Personal Growth

156: Finances Are Killing My Marriage. What Do I Do? with Bob and Linda Lotich

April 11, 2022

With the rising costs of gas, groceries, and pretty much everything in life, are you feeling the financial strain like we are? In Episode 156, we’re so thankful to be talking with the founders of SeedTime money, Bob and Linda Lotich. They answer the tough question, “Finances are killing my marriage. What do I do?”

Book | Podcast | Website

Book Giveaway:

Are you ready to create a money system to spend less time and get better results? Do you want to learn how to earn significantly more (without getting a side hustle)? Are you wondering how to save $100s each month while still buying what you love? We are giving away THREE copies of the Simple Money, Rich Life book where you can learn all this and more from Bob and Linda Lotich. To enter the giveaway, check out the details on our Instagram page,

In this Episode, You’ll Hear About:

  • What happens when you apply Biblical wisdom and ask God for help with your finances.
  • How you can be generous with your money, even if you are experiencing financial strain.
  • The importance of being on the same page financially as your spouse.
  • Learn to respect how your spouse spends and uses money.
  • View money as a tool instead of a goal.
  • The importance of knowing where you are spending your money.
  • Consider having a pre-conversation about how you and your spouse are going to talk about finances.

Resources Mentioned In This Episode:

  • Bob and Linda’s Website, SeedTime Money
  • Check out Bob and Linda’s new book, Simple Money, Rich Life: Achieve True Financial Freedom and Design A Life Of Eternal Impact
  • Bob and Linda’s Podcast, SeedTime Money Podcast
  • Listen to our previous episodes about marriage and finances:
    • Money Advice Married Couples Should Not Ignore with Rachel Cruze
    • The 5 Money Personalities and Why They Matter
  • Mint.com

Quotes and Tweets:

  • It is not embarassing if you’ve never had any education about a subject to learn about it as an adult. But, why do we feel like that about money? We just need to learn more about money, so we can manage it properly. – Linda Lotich
  • We tell our money where it’s going to go, instead of it telling us what we’re going to do. – Linda Lotich
  • God put you and your spouse together for a reason. They are different on purpose, including how they spend and use money. – Bob Lotich
  • Fight for unity. Look for opportunities to have conversations about money with your spouse. – Bob Lotich
  • Money is ultimately His [God’s] assets under our management. – Bob Lotich
  • View money as a tool instead of a goal. Money is a tool to get things done. – Linda Lotich
  • When we see money as a tool to fulfill our purpose, that will change how we spend it. – Linda Lotich
  • If we are going to be good managers of our money, we have to know what is going on with our finances. We need to know how much we are spending. – Bob Lotich
  • Have a pre-conversation about how you and your spouse are going to talk about money. – Linda Lotich

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Meet Bob and Linda Lotich:

Bob and Linda Lotich have spent the last 15 years helping millions discover true financial freedom with their award-winning blog SeedTime.com and SeedTime Money podcast.

Unlike most financial experts, they lead with grace over judgement and focus on creating hope while washing away the shame so many carry with money.

In their new book Simple Money, Rich Life they share practical steps to save and earn more money in order to fund your God-given purpose and dreams.

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We’re Daniel and Christina Im. Our heart’s desire and mission is to give you the tools to build a strong, connected, and joy-filled marriage and family.

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Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it.

Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
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Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it. Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
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Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
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V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
•
Follow
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂 Luna was sad to be home all alone after a summer full of cuddles from the kids.
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Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
•
Follow
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey. 8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
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One significant takeaway from our latest episode with @shannonbrinkwriter is the power of empathy in relationships, especially when one partner is enduring prolonged suffering. Shannon emphasizes that genuine empathy, rather than superficial reassurances, is crucial. This approach helps foster an environment where both partners feel heard and understood, navigating their struggles together. It’s a reminder of how important it is to be truly present with our loved ones in their times of need. Tune into Episode 193 of the IMbetween Podcast wherever you listen to your podcasts!
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@imbetweenshow

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Hello Instagram

Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it.

Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
•
Follow
Ever feel like an imposter in your own life? @cassandralspeer shares her struggles with imposter syndrome. On episode 195 of the IMbetween Podcast, we delved into how these feelings of inadequacy can actually highlight our humility and dependence on God. It’s a poignant reminder that feeling unqualified doesn’t disqualify us from our purpose—it can be a step towards it. Listen wherever you get your podcasts or at https://imbetween.org/epsiode195/
2 weeks ago
View on Instagram |
1/5
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
•
Follow
Happy birthday to my bestest friend @danielsangi and the person who makes me laugh harder and louder than anyone else in this world. Life with you is more beautiful, whimsical, adventurous, full, and fun than I ever imagined. Today, we celebrate you and the gift your presence is to us. Love you forever!
3 weeks ago
View on Instagram |
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This three-step method helps parents navigate their emotions effectively. By understanding and validating our feelings, we can respond more thoughtfully to our children’s needs. Tune in to Episode 194 of the IMbetween Podcast (wherever you listen to your podcasts or at https://imbetween.org/episode194) for relatable stories and actionable advice on managing emotions in parenting.
•
Follow
🌟 Parenting Tip Alert! Ever find yourself overwhelmed by bursts of anger or frustration with your kids? You’re not alone. In our latest podcast episode, @aliciamichellecoach shares the ADD framework: Acknowledge, Discern, Decide. This three-step method helps parents navigate their emotions effectively. By understanding and validating our feelings, we can respond more thoughtfully to our children’s needs. Tune in to Episode 194 of the IMbetween Podcast (wherever you listen to your podcasts or at https://imbetween.org/episode194) for relatable stories and actionable advice on managing emotions in parenting.
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View on Instagram |
3/5
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂

Luna was sad to be home all alone after a summer full of cuddles from the kids.
•
Follow
V started high school today, A entered her last year of middle school, and M began his last year of elementary. Not sure how we have kids this old @danielsangi 😂 Luna was sad to be home all alone after a summer full of cuddles from the kids.
1 month ago
View on Instagram |
4/5
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. 

My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey.

8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. 

I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. 

Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
•
Follow
Thanks to everyone who wished me a happy birthday. You all represent different times and aspects of my life made all the more meaningful and brighter because of your presence. My 40s started off with me doing some pretty deep healing, learning to dream again, learning my limits, learning how to say no, learning to ask for what I needed, and learning to listen to my body. It has been a bumpy and beautiful journey. 8 weeks ago, I felt my body start to crave running again. Since my concussion 6 years ago, I haven’t been able to run without it resulting in a massive migraine. Running was not only something I no longer enjoyed, it was an activity that caused me deep pain. I was quite surprised when I felt this urge to run, but I’ve learned to listen to my body. I also knew it had been a LONG time since my feet had hit the pavement in a speed faster than a walk, so I needed to take it slow. I also needed to re-learn how to run. I started the Peloton run outdoors program. My first run outdoors was a bit chaotic and quite humorous; I felt completely out of my element and could only run 2 minutes without needing to walk. But, what I would have previously labelled “embarrassing” (which would have led me to quit), felt more like I was honouring what my body was signalling to me. I did not have a headache and it felt good. Fast forward 2 months and I finished my Peloton running outdoors program today where I ran 30 minutes straight without walking or stopping…a huge accomplishment as compared to day one. I think I will always be learning how to love and accept my body, but today, I rejoice that I am one step closer.
2 months ago
View on Instagram |
5/5
@imbetweenshow
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