Bob Lotich

Bob Lotich is a high-performance financial coach, Certified Educator in Personal Finance (CEPF®) and has been named a top-20 influencer in personal finance. His award-winning website, and SeedTime Money Podcast have reached over 50 million people in the past decade.

His writing and advice has been featured in Men’s Health Magazine, Forbes, Yahoo Finance, Inc., Beliefnet, Time, and many others.

He loves unearthing timeless financial wisdom from the Bible as well as sharing his results of experimenting with everything from budgeting hacks, money-saving apps, to big things like radical giving, and year-long sabbaticals.

He and his wife Linda personally struggled with budgeting for over 10 years as he tested nearly every budgeting method out there and found nothing that worked well. After re-imagining what budgeting could look like, in 2019 he created the ‘Real Money Method’: an easier, quicker, and more effective alternative to traditional budgeting.

His weekly newsletter (at helps readers optimize their financial lives and is sent to over 100,000 readers each week.

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