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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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Daniel and Christina Im
about us

Daniel and Christina Im

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.

Instagram

Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
•
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Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. Much Love, Daniel and Christina #PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
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Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/

#parenting #disciplemaking #discipleship #christcenteredhome
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In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on. Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/ #parenting #disciplemaking #discipleship #christcenteredhome
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Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. 

We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. 

Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
•
Follow
The Role of Numbing Behaviors 🤔🫨 Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
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In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. 

Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 

Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/

#MentalHealth #Overstimulation #Parenting
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Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/ #MentalHealth #Overstimulation #Parenting
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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/
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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!
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!
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@imbetweenshow

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Hello Instagram

Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. 

Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. 

We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. 

Much Love,
Daniel and Christina 

#PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong  #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
•
Follow
Some #spotify wins for the IMbetween podcast this past year. Thanks to all of our listeners and Podcast Family for journeying with us and trusting us with your time. Our podcast started out as a dream to help build strong marriages and families because when we were hurting the most (that 7 year struggle is real!) and couldn’t afford therapy, we didn’t know where to turn. We didn’t want anyone else to feel the same way, so we created a place and space where people could listen and learn in a safe environment. We have learned and grown so much since that first episode drop 7 years ago. In many ways, we’ve grown up together and watched our kids grow up too. It has been a blessing to walk this road together. Cheers to 2026 and all that it brings. Much Love, Daniel and Christina #PodcastFamily #PodcastCommunity #ThankYouListeners #GratefulHeart #SevenYearsStrong #GrowingTogether #christianmarriage #marriagepodcast #spotifywrapped #marriagehelp #imbetweenpodcast #PodcastWins #PodcastMilestones #PodcastersOfInstagram #PodcastersUnite #SpotifyPodcasts
5 days ago
View on Instagram |
1/5
In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on.

Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/

#parenting #disciplemaking #discipleship #christcenteredhome
•
Follow
In a compelling analogy from Episode 198 of our IMbetween Podcast, our guest @davidsunde describes parents as “tour guides” rather than “travel agents” in their children’s faith journeys. Unlike travel agents who arrange logistics from afar, tour guides walk with their children through every high and low. This metaphor highlights the importance of presence and shared experiences in nurturing faith. By being there for the everyday moments, parents can provide authentic guidance and support, much like God’s nature as Emmanuel—“God with us.” It’s an insightful shift in perspective that’s worth reflecting on. Listen to Episode 198 wherever you get your podcasts, or here https://imbetween.org/episode198/ #parenting #disciplemaking #discipleship #christcenteredhome
2 weeks ago
View on Instagram |
2/5
The Role of Numbing Behaviors 🤔🫨

Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. 

We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. 

Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
•
Follow
The Role of Numbing Behaviors 🤔🫨 Ever wonder why we turn to quick fixes when we’re stressed or exhausted? In Episode 197 of the IMbetween Podcast, @chris3janssen explains that numbing behaviors like reaching for sugary treats or alcohol provide immediate relief but often at a significant cost. We discuss a powerful exercise from her book, “Grace Yourself,” that helps individuals evaluate these numbing patterns and consider healthier alternatives. It’s about gaining awareness and making intentional choices to support our well-being. Tune in wherever you listen to your podcasts, or here @ https://imbetween.org/episode197
1 month ago
View on Instagram |
3/5
Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? 

In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. 

Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 

Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/

#MentalHealth #Overstimulation #Parenting
•
Follow
Did you know that despite growing awareness of mental health, anxiety and depression rates in children and adolescents have sharply risen? In episode 196 of the @imbetweenshow podcast, @sarahboyd, author of Turn Down the Noise, discusses how overstimulation in our environment could be a key factor. Just like a garden needs the right conditions to thrive, so do our minds. It’s about adjusting our surroundings to create supportive spaces for everyone, especially our kids. 🌱📘 Listen wherever you get your podcasts, or by going to https://imbetween.org/episode196/ #MentalHealth #Overstimulation #Parenting
2 months ago
View on Instagram |
4/5
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/
3 months ago
View on Instagram |
5/5
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