• Tamra Andress

$7 to 7-Figures: Seedtime, and Harvest

You are going to be amazed by what seed time means to Bob and Linda Lotich, and how they are living a Simple Money Rich Life concept Bob wrote a book about. They live it, and they're also breathing it with their 21 day Kickstart to Stress-Free Money Management, They also have a podcast, Seedtime Money that you've gotta tune in and more importantly.

I love their testimony, and it took the entire show for them to share it because I kept interjecting with questions. Imagine that - me talking - no way! But really Bob and Linda are incredible. You're going to be so blessed in receiving as you listen. And I pray that you have a way to apply their incredible wisdom, even after today's show.

About Bob and Linda:

Bob Lotich found himself at his breaking point in his early 20’s overwhelmed by debt and stranded 1,000 miles from home with only $7 to his name. After crying out to God for wisdom and discovering a simpler (and far more effective) approach to money he reached a level of financial freedom he never dreamed possible: having a paid off house by age 31 and even reaching a personal goal of giving $1 million by age 40.

For the last 15 years he’s shared his best lessons with over 52 million readers and listeners on his award-winning blog, and SeedTime Money Podcast.

Linda has spent a lifetime of perfecting the art of avoiding boring conversations. Though her financial life was a mess (carrying guilt for making bad decisions, and so much shame she didn’t even know how to ask for help) she just prayed it would all work out. And one day she met the man of her dreams (named Bob), and he had no problem taking her mess and creating all the pie charts and spreadsheets.

But as time went on, she began realizing how investing a little time in something she typically found boring, could actually open up the adventure of a lifetime with God!

Pair that with a snack or two and Bob’s simple approach to a typically complicated subject and all-about-fun-Linda became the girl who is ready to talk finances…in a fun way, obviously.

Where to Find Bob and Linda:

Where to Find Tamra:

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TEXT Me (yes, it's really me!) at 📱757-906-3734

Show Notes: $7 to 7-Figures: Seedtime and Harvest

Oh, wow. You all are in for a treat. Not just because you've got a three for one special today. Yeah. I said three for one, we've got two podcast guests on today. They are a lovely, married couple who is making an impact in the world with their money and with their mission, which their mission might be money, but really their mission is expansion.

And. And love and collaboration. And so many other things you guys are going to be amazed by what seed time means to them and how they are living simple money, rich life, they're living by it. And they're also breathing it with their 21 day kickstart to stress free money management, their. They also have a podcast, see time, money, you've gotta tune in and more importantly, their heart.

I love their testimony. It took the entire show for them to share it because I kept interjecting the questions. Imagine that me talking no way, but really Bob and Linda are incredible. You're going to be just in such a treasure state of receiving as you listen. And I pray that you have a way to apply their incredible wisdom, even after today's show.

I believe in applicable podcast, not just things to listen to. And so tune in, feel the holy spirit convictions and say, yes, I know I am Bob and Linda. I love you. Thanks for hanging with me. Okay, stop. If you're a creator or a founder, an innovator or trailblazer, which you obviously are, cuz you're listening to the fit in phase podcast and you're created in his image.

So you're a naturally a creative, you better be using CAMBA pro. Literally this tool is where me and my creative designer hang out all day every day. If you really wanna tell the truth and it's a need for your business, we were utilizing the non-pro version for quite a while. One, because we didn't even know that pro existed, but two, we didn't know how inexpensive it was and how much of an asset it would be to our business.

This is for real making video creation. All of our intros for the podcasts are done in here. It's a secret. She might be mad. I'm telling you, but you've got to get involved. Get your pro account today. The link is in the show notes. Don't miss out. Be an upgraded creator.

Welcome to the fit and faith podcast fit is an acronym representing founders, innovators, and trailblazers who are looking to live a life holy, fully, authentically, and truly fit a space for us to connect on the raw real stories of mind, body, and soul alignment of entrepreneurs in kingdom leaders. I'm your host, Tamara Andres and this podcast, isn't like the cookie cutter interview experience.

I've been coined the entrepreneurial rabbi. And so we do go there unscripted, no matter how far wide, deep or high the, there is. My desire is to see people rise from the inside, out, into their greatest calling, by sharing their truest stories, talents and tips as a purpose activator and brand builder. I believe our successes and failures are derived from who and whose we are not what we do, but strategy and vision are equally as important to the mission.

So let's cut to the chase together and get fit in faith.

All right. All right. We are in the house with a beautiful couple who, if you're watching live, you did not see the better half, actually. I don't think in better halfs or worse house, but Linda and Bob lox are in the house and we are so excited to just get to hear from you today from your wisdom. And I'm just grateful.

Are you guys excited to get into some of the goods of your testimony? We sure. We're excited. We're excited. Thanks for having us. Yeah, that's awesome. We're so pumped you guys. If you didn't already know about who these people are and I honestly didn't and I'm like, holy cow, what is wrong with me? I've been hiding under a rock because they are.

They are alongside some people who, hi, I have their books on my shelf and they are bestselling authors to themselves. But Bob is actually recognized as number 15 in the leader realm of financial guru status. Right. And I, I love in any genre of guru because I think we know how important expertise in knowledge is, but it takes a while to get that.

Right. I wanna hear about that, that point in understanding that you had a lot of work to do, and it wasn't from a place of, you know, birthright, but it is at the same time and you are in a place of having $7 and feeling completely broke. And I also wanna know, because I think Linda's story is so uniquely connected in the shame element of money.

Mm-hmm I talk about oblating shame a lot. And so I wanna dive right into the shame elements of your story and how you've come to the other side. Yeah. All right. Well, yeah, I'll start. So I was, uh, In a town about a thousand miles away from where I lived at that point. And this is about age, age 20. It was the day before my 21st birthday and the previous day or that day, I would've told you this is a fantastic day.

Cause it was Friday. I had just gotten paid. My friends were coming down the next day to pick 'em up from the airport, um, to celebrate my 21st birthday sun was shin. I was in a beach town, like everything. Yeah, this was epic. Yeah. It was great. Like I was living Instagram or Lee dream before Instagram. Like it was just great.

So that's, everything's going good. And I'm on the way. Picked up my paycheck on the way to the bank to cash it. Cuz I have to pay my rent. That's due that's day. and as I'm driving my car breaks down in the middle of the road. Okay. It breaks down so fast. I couldn't even pull over. There's a minor league ball game going on right next to where I was, uh, driving by.

And so all these cars are coming by. Everybody's staring at me. And so as I'm sitting in the car, I keep turning the key and it's not starting. And I don't know the much about cars. So I'm like, I have no idea what's going on here. and as I was starting to think through like, what are my next steps? What am I gonna do?

Uh, I started to realize like, this isn't a little problem. This is becoming a really, really, really big problem. Very fast because I realized, okay, I have to now figure out how to get this car tow. and fixed and over working again, to get back to the bank and then back to my landlord all within the next three hours.

And if I don't do that, then my landlord's gonna attack on a $50 late fee. And the problem is, is that my paycheck is so small. I don't have the $50 late fee. I don't have the money to do it. And then my friends are come. I got pick 'em up from the airport, 45 minutes away. And like, all this stuff is going on and I'm not even thinking about a week or a month down the road.

Like, I'm like, I'm just like starting to realize, like, everything's kind of crumbling. I built this kind of house of cards and thought like, everything was fine, but it just all kind of came crumbling down. Is anyone else stressed out yet? For real, I'm sweating. I need to more deodorant but it does crazy thing is, is like, I actually can like put myself back in my own elements of that story.

And while it's not the same, I remember having like the red line in my, those feelings I've overdrafted or, I mean, what am I gonna do? Mm-hmm . Yeah. And, and I think a lot of us have had those feelings mm-hmm in this leads to a whole nother thing. Why didn't we learn more about money in school from our parents, like whatever.

And so we're all like trying to figure it out now as we get older. But anyway, so from that moment, uh, you know, I remember like grabbing the steering wheel and with tears coming down my face, like crying out to God, like I am clueless. I don't know what to do. I need help that my plan is not working. Cuz I thought I knew everything about money.

like, I thought I had it all figured out. Clearly I didn't cuz this is the fruit of, you know, my actions and my decisions. Uh, and so that was where my journey began, like where it all started and where I had that turning point moment and started moving forward. Um, and when things really began to change for.

Yeah. You mentioned briefly like the whole concept of financial literacy associated to that. Yeah. And, and we can definitely get into that conversation here in a minute, but I wanna, I wanna hear from Linda too, because there was at that point, no, Linda in the story. Right. And so I, I mean, I don't know about you.

I definitely dated my fair share of like they were broke. Right. And, and probably not the greatest, but for marriage status, I was looking for some more stability. And so I was excited to hear how your story and then the timing of Winnet collided together. Yeah. Yeah. I mean, I was in as big of a mess as Bob, honestly, like I was living in my parents' home.

I had a full-time job. I had what, a car payment and a cell phone bill. And I had debt collectors calling me. And it's the same thing. Like your heart is racing. Your face is hot. You need more deodorant. And you're like, what am I gonna do? And not only that, but they called my parents' house. And I was like, were a thing, the landline, which they still have, which is hilarious.

It's you can still call their landline. But, um, you know, I, I just was, I was a huge mess. And I remember like the one thing that my parents taught me was that debt is bad, but that was the only thing they gave me. Like, I didn't have any tools of how to stay out of debt. And my natural inclination is a spender.

Like I love to spend money . So having that com like in combination with not knowing how to actually handle money, like how to manage it. Well, I just was in a mess, like so fast before I even moved out of my parents' house, which is so embarrassing, you know? Yeah. And it's interesting because I, I look back to my childhood and I think about like my mom balancing the checkbook.

Right. I just remember her doing that. And yet that wasn't something that I was necessarily taught. I just saw it and then I never had to apply it because I didn't have a checkbook. Right. And so it it's like, I think that there was elements of they wanted to get it right. They wanted us to be in a space of debt free.

I remember even signing loans and fast, the things for college. And I had no idea what that even meant. I was just like, great. I get to go to school for four years for free, you know? No, no, no, didn't work like that. But I thought it did. And it felt really great. Basically. I just put my whole college tuition on a credit card that I didn't have to pay off for a while, but it was propelling interests.

Right. Oh. And so I started my life out of college, like hundreds of thousands of dollars in debt. No clue. Wow. No idea. And my parents, I was a first generation college student, so they didn't know any better. They thought it was the best case scenario for me to get my college education. And that's how people did it.

Right. You signed FAFSA. So I'm I'm so in this with you guys now, now what? Yeah. Yeah. So now what, so we fast forward, like what, a couple, few years later, right? We meet, so Bob has this revelation of like, I've gotta pray. Like I, he prayed and he was like, all right, I am not gonna stay like this. I would pray prayers like Jesus, Jesus, Jesus, Jesus, Jesus.

right. I was thinking about how noble that was. I didn't know how to like move forward from there. Also keep in mind, like I'm the type of person that. If I add numbers up on a calculator, three times I'll get three different numbers. for sure. OK. So I'm glad I'm the only one I thought or something. So my biggest prayer at this time was like, God, please help me marry someone.

Who's good at math, because I was like, if we can get the numbers, right, like I can help stay organized. I just, for some reason it's not working for me. so good. So luckily enter Bob my night shining armor. So yeah, so we get together and I'm, I mean, it's literally like the blind leading the blind, but maybe I'm starting to see fuzzy shapes.

Like I I'm like one tiny step ahead of her. Well, and you had a determination too. Yeah. I mean, I, I, I was determined to get us out of the situation. Yes. And part of that was like, we're getting married. I really feel like I'm gonna start taking this seriously. Sure. And so I was trying to lead us in that direction.

Mm-hmm uh, and so I was doing slightly. Less dumb things with money at that point. But, and I was like, great, here you go. Here's the mess. Just let me know what I need to do. See you later. Totally. Yeah, yeah, yeah. You're gonna protect me. Right. You're gonna figure it out. Great. Exactly. Yeah. And which, you know, I, I was kind of excited about the challenge, but, you know yeah.

So we had all the, all, what do we do now? Cause she was spending 150% of your income at her mom's house to when we get married. And now we both have low paying jobs. We're trying to survive actually paying bills. And so you're spending money dropped by 95% overnight. So which led to some tears, tears. I mean, I was, but you were a trooper, but she was a trooper and like got on board.

And so we, you know, did some of the things we had to do in order to start climbing out of our mess, you know, mm-hmm. Well, I just think of like the sacrifices in that, on so many elements. You're like not only sacrificing your own sanity in that you're like trying to support and, and create sanity for her in this trusting relationship.

And yet you're like, I'm literally going into this blind, but come on, babe. , I'll take us somewhere. We're going somewhere. There's a shape over there. Let's go after it. Yeah. And I think like about my own relationship and coming out of, you know, college and having all of that debt and having signed that little dotted line and never having, I never paid for a bill, I never had a rent check come to me.

Everything came out of that, like student loan fund. And so I never saw anything. Oh, wow. And so I went into a relat. With my now husband and he was older than me. So of course he paid for the rent. He paid for his gas, he paid for his car. He paid for all these things that I had never paid for. And so I kind of fell into this relationship under the guys that I don't have to figure it out.

He's he's got it. Right. And so if I'm like completely honest, it wasn't until I started my own businesses that I was like, holy cow, life is really expensive. How am I gonna make this work? And then I spent our life savings on businesses. So we can talk about that later, but I wanna hear how, yeah, well, I wanna hear about like the growth element and when did the fuzziness kind of start going.

Yeah. Uh, I think for me it was the moment that we paid off our car, like our first car, uh, cuz we both brought two pretty car, pretty old cars into the marriage and I had grown up and I think we both might have grown up just believing this thing that like you just always have a car payment. Yeah. Like you're just middle class.

You're always gonna have a car payment. Just get used to it soon as you pay it off, then it's about to blow up. So you need to go buy a new, another brand new car and just another do that every five years. Yeah, for sure. And so that was just a mindset that I had and somewhere in this process, I, I started thinking what if that's not true?

What if it doesn't have to be that way? Like what if there was a way out of that? And, and so paying off that first car and not immediately taking it to a dealer to buy a new one, like, it was just like a defiance of these lies that I had believed mm-hmm and felt like that's the way it has to be. And so there was something about that moment, the joy, the freedom, that weight off of our shoulders mm-hmm , uh, we owned this car.

The bank could not take it from, it was like, it felt so, so good. So empowering. And it, yeah, something about that mindset, that was, it was like confirmation of this new belief that it didn't have to be that way. That was so empowering. And that was just like throwing fuel, like throwing jet fuel on our fire to just keep going to keep moving forward.

Yeah, for me, it took a little bit longer. Like that moment for me was when I started seeing shapes. Yeah, sure. That was when I was like, oh, okay. Like there is something to this, like let's keep going. It was motivation to keep going. And even though I was already doing it because I loved Bob and I knew this was super important to him.

um, and I was happy to not have to deal with it. Once we did that, I started seeing shapes, but then a few years later, we, um, we took a financial class together and that, I mean, I walked out of that and I was like, why haven't we done this? Why haven't we done that? He's like, whoa, whoa, whoa. Like this for like five years.

No, it's like, you pulling me on a skateboard. Right. Like I wasn't complete resistance, but I was definitely adding some resistance to the, you know, process. Yeah. And after that it was like I was behind him and I was like, shoving him forward. Like, let's go, let's go. Which was huge for our marriage. Because once you get on the same page with something.

Honestly, like the enemy has no chance and the world better look out cuz you are like ready to go. Not just for ourselves, but for the Lord. You know? So that was, I mean, I think that was a real exciting yeah. Moment for us. Yeah. For both of us, for sure. And I think like I love that the element we we've kind of like talked around it, danced around it, but everyone who listens to the fit and faith podcast knows that like faith is the foundation mm-hmm and we can, we can try to put him to the side.

We can try and put our faith to the side and let that be a pie chart or it can literally be how we stand up every single day, how we breathe into every single opportunity. And I, I know that. God is so in control of our finances when we surrender them to him. Mm-hmm and the element of going from seven figures to having anything paid off feels so freeing and a lot of society never experiences that mm-hmm

And so I'm curious, like in that process, was there consistent, like conversations around stewardship? Were you tithing at that point? Were you doing like a biblical understanding of money or was it a Dave Ramsey class? Like I don't, I don't get it. Tell me more. Yeah. So I think we like, she, you had, tith your whole life.

I tied my whole life. Yeah. Yeah. And I started tithing, um, short, shortly after my kind of freak out moment in the car. I think that's kind of where it started for me. Uh, yeah. And, and so I, I think we were talking a little bit about stewardship, but I think so much of our focus was just on. We're just a mess.

And like, I, you know, so, well you had been reading Proverbs and you were like, oh, Proverbs actually talks a lot about money. Yeah. Like I was in a cycle for years of reading a proverb a day. And just going through which, you know, Proverbs talks so much about money in business. Like there's a lot there and, uh, And it, it was one of those things where I looking back, I see how it was affecting me at the time.

I didn't see how it was affecting my thinking. And I think so much of the Bible is like this, and that's why it's so important to read the word because yeah, it affects renew your mind thinking when you don't even realize that it is, you know, mm-hmm, so true. And so I think it was just, you know, affecting how I was thinking and how I was operating.

And I, so I think that was a big part of it. Well, and that honestly is what started the business. Yeah. In the first place. Yeah. As he was reading Proverbs and realizing, it says all this stuff about money, he's kind of like, there there's something here more than that, what I've been told all my life. Yeah.

So he was reading, you know, books, whatev whatever books, like all the famous finance books. Sure. You know? Sure. Yep. Thinking grow rich and yeah. Right. Totally. And, um, you know, doing that, but then he was reading Proverbs and going. What like the Bible is talking about money and the, you know, some of the things line up with what it's telling me in these other books and some of it doesn't and how do we reconcile this?

That kinda led to me starting a blog. And so in 2007, I start this blog talking about money, talking about the Bible in this intersection and everything that I was finding, which was interesting, cuz it was, you know, kind of cathartic for me to just kinda share. What I was going through is I was climbing outta my mess.

Mm-hmm and, um, God ended up using that, ended up becoming our business, you know, uh, which we've been able to help a whole bunch of people. Yeah. So it's been really crazy how it's all worked. It's amazing to me that it, it feels very synchronous to kind of the discoveries that I was having around business as, as an entirety.

And I'm honestly seeing this revelation, not even without force, just like across the faith, across Christians who are like being woked to the fact that like I've been taught something, that's like traditionalized and marginalized, my freedom and money being a huge element to that and business like passion and purpose, and this idea of calling and all of these things.

Mm-hmm . . I don't remember anyone when I was little being like, what's your calling Tamara. They're like, what are you gonna do when you grow up? Right. And that then led to, well, how much that doesn't make a lot of money, are you sure that's what you wanna do? Yeah. And so everything was, you do this based on money, not you do this out of calling, you do this out of purpose, you do this outta gifting or talent, or you do this out a revelation.

Right. And so as you continued to like start teaching this to other people, because you were never taught, was it just so invigorating to see the ahas and the light bulbs going off in people's lives and changing them in the process? Yeah, definitely. I mean, I think that that was a lot of my fuel that kept me going for so long.

Um, yeah. Was just having, just seeing exactly what you're saying. Seeing other people who are getting things and who it's clicking with and whose lives are being impacted by me, just sharing my story of something I went through or. I just figured out this way to do this thing and this worked for me and, you know, so I've always gotten so much joy out of that.

And, um, and it's just continued over the years as we've created courses and gone deeper in some of these topics. And, um, and I think we're like getting to deeper and deeper layers of life changing impact. And it's really fun. Yeah. Cuz I mean like it really, when, when you think about a business, the best way to have a business is to serve other people.

Yeah. Because it's not just like, you know, self sacrificial, it actually is fueling. The business to do better and to keep going and to find more ways to help people and find, uh, more ways to find more people that need to be helped. You know, and what's exciting about that is that the Bible actually says that the greatest of the kingdom is a servant of all.

And I just think that it's so interesting how he would tell us that and that it wouldn't actually just be for someone else's benefit that it would actually benefit us as well in doing that. I mean, it's incredibly like reciprocal on, on all fronts. Yeah. And, and there's also elements associated to that.

That could be locked in shame of like I've had people you're making money off of your testimony. I'm like, mm isn't. That kind of what the point is, right? Like, I, you learn something, you crash and burn and you then have empathetic eyes to not let other people do the exact same thing. Like, oh, there's a fire over there.

There's a fire over there. There's a fire over there. Or. If they're about to walk through the fire, like, why would you do that? You would say, there's a fire. Don't go that way. Right? Right. Like, let me teach you the way out. Let me teach you the way through if you have to go through. Right. And so I just think that there's so much nobility to that.

And it is a sacrificial, like for the masses, when you're bringing it to things like a podcast, which you guys had, that's amazing. You guys also have a book. And so we mentioned paying off the car, but we haven't gone to the entirety of, of the debt process. The, the, the snowball effect, the element of service and how much sacrifice in not taking for yourselves.

You could always, people can take that money and do it play with the, whatever it they want. They can go back to that shopping addiction. They can, you know, do these things. I wanna know, like where did it come or unlocked for you guys to say, we're gonna actually go beyond the 10% we're gonna go to I'm 31 years old.

And, and I love this part of your story. Yeah. So, yeah, it's, uh, I'm 31 years old and we had paid off our credit cards at that point, gotten all those paid off hall, those awesome. We had paid off both of our car loans at that point, which was great. We had paid off our student loans. Um, I think that was all the kind of debt we had at that point.

So we were debt free except for our mortgage. We had a house that we had bought and I wanted to get that house paid off. You know, I was super thankful that we paid the other stuff off and it freed up a whole bunch of extra cash that we were just funneling towards our mortgage and just paying off as fast as we can.

And so I remember at that point, I went out in our neighborhood, there was a field up on a hill and I went to this field and prayed once in a while. And so I went there and I was praying and I was asking, God, God, can we get this mortgage paid off faster? so I I'm the numbers guy. And I had this spreadsheet and it was gonna take three and a half years to get it paid off, like with my current plan of putting all the extra money towards the house each month.

And so I'm like, God, I wanna do it faster. I'm an American I, I wanna faster. Yeah, yeah, yeah. Of course microwave go. So I, I don't, you know, I'll never forget this. It was one of the clearest things he's ever spoken to me said, if you really wanna see me move on your finances, I want you to begin given your age as a percentage of your income, your age as a percentage of your income.

So 31 at the time we were previously giving about 11%. So this was a really big jump. And I remember, um, standing there looking up to the sky and like scratching my head and being like, who does this? Like, where did this even come from? Like, you know, and just how you knew it, wasn't you? Yeah. Like you're looking around, like, you're not talking to me.

Right. You're talking to the other guy. Like I don't have to tell it an empty field. Yes. Here is it so nuts? But like the, the thing that I distinctly remember. You know, I think, especially when people are asking about this, I think it's important to mention is that I didn't at all feel like God was saying, you have to do this or that you better do this, or else I'm gonna get you.

Like, it was like an invitation to step out and do an adventure with him. And, and it was like, it reminded me of like Peter stepping outta the boat and Jesus being on the water. It's like, you don't have to come, but if you wanna walk on the water, if you want that story that no one else has, like the invitation is here.

Wow. And, and so anyway, so I, I remember that feeling and I remember like trying to do the math in my head and like, I don't even know if we're gonna be able to do this and pay the bills, buy groceries. Like, I don't know how this is gonna work. If it's gonna work. I don't know any of that stuff. And so I'm like, all right, well, I need to go talk to Linda.

So I go back down the hill, go talk to Linda and she gets right on board. Like, she's just awesome. and that's awesome. And you know, Well, you can go ahead. Yeah. I mean, there, there is a reason why I was able to get on board because first of all, like my advantage, see, this is, this is, what's so exciting about having different personalities into the marriage where this is the spreadsheet guy.

My advantage is that I'm not looking at the numbers. And so I could very easily go, okay. First of all, God's taken us through things like this before. And if he's asking us to do this now, there's something really cool on the other side, because we've already done this, right? So like let's trust him, like, go look at the numbers, go do the whole thing, but let's like, Do what we can to get there.

Like if we can't make it 31% this month and let's make it 20. Yeah. Let's do something as a step of faith to say, we want to get there, help us get there, you know? Yeah. So good. Well, and I think about the capability, you know, differentiation in where you were, you know, tearful in a broken down car, uh, with $7 to your name in juxtaposition to now you had your cars paid off.

So at least you knew. There was this like element of, of cushion this element of trust. And I think whenever God has like sharpened me or called me higher, because I've been in relationship with him and I've seen his blessing and I've seen his gifting in other areas, it's like, I'm gonna take you higher, but you know that you're safe right here.

And so even if you fall, I've got you right here. Mm-hmm and right here is pretty dang comfortable. Right? Yeah. And so there's this level of comfortability that you would reach. And I think when we think about comfort and complacency and that being almost a dying zone, and I think a lot of people exist in that I pay the bills I make just enough, like we're content.

And that is actually an element of complacency because there's something more for you. Yeah. And it's gonna take you going a little higher stepping out of the boat, all the analogies that you could think of, biblically for God to reveal himself in that new layer, that then becomes your new sense of normalcy.

And he's gonna call you higher. That's just literally what he does. Yeah. No, and that's so good. I mean, I'll tie back into that in a second, but you know, coming back to the story, so that month we decided, all right, we're gonna go for this. And we started giving 31% of her and come that month. So, uh, . Any, any way you slice it or dice it like this in the natural was the absolute worst way to pay off your mortgage faster.

like we're giving away all of our extra money. We were paying toward our mortgage. We're now giving it away. And so my new spreadsheet now says, it's gonna be like 10 years. I was gonna ask the three and half had to go to something different. Okay. Yeah. So it's like 10 years, but it's like, I just, it was a sacrifice I'm like, all right, Lord, I don't know.

And understand, but I'm going to lay down my goals and I'm going to obey this thing that you're asking and invite us to do. And the, this is the mind blowing thing. And this is the, I mean, forever shake my faith in such a good way thing is that 10 months later that mortgage was paid off. Like, it makes absolutely no sense.

Like we can't explain it. It was just a loaves and fishes things where money was coming in, the business was going up, like all kinds of things were coming together where God was just orchestrating this miracle right before our eyes. Yeah. And is the business, the active business, the same business that you now have?

Yeah, it was just in the, in the baby. Exactly serving people, teaching people about this. Holy moly. Like that just makes me so excited. One thing as you were talking about it, when I read the site in your bio and I saw that number 31, I, I had what I call quarter life crisis at 29. And I often refer to the Jesus years like that, 30 to 33 years.

Mm-hmm I have so many friends whose testimonies that I can now count you all as friends. I can now count you in this testimony that within those years, God revealed himself in such a magnificent way that it's the foundation of their faith. So I want you, you as exploring with people and telling the story, like what, what were you doing at 31?

What were you doing at 32? How was God revealing himself to, because it's been paramount in, in my faith, in so many. Huh. I've never heard that before. That's really interesting. Yeah. Yeah. I love that. I should write, I should write a book about it, cuz honestly you should. I could literally, I'm thinking of all my friends right now that I can't wait to share this podcast with just about that alone is, is magnificent to me.

I mean, we could end the podcast and we're not going to yet, so stay tuned, but we could end it and I would be like, wow, God, like there's something that you're doing that you're just so eager to just get to know us and reveal yourself. And it was the Jesus years. And so I was, I'm amazed by this. So you guys get to the place 10 months now you're a mortgage is paid.

So you have zero debt to your name. Yeah. And not that you know, people say that mortgage is an okay debt. Right. I don't really know what the difference of that is. I don't want that over my name, but still now you you've fast forwarded your business is doing amazing. And you have another milestone that you've hit in the giving.

Yeah. Talk, talk us through that. So you're 31 now you're 32. Yeah, so we, uh, just continued, we've continued that age of percentage thing up to we're now 41. And so we've continued that and by his grace, he sustained us. And, uh, and it's just been a really good thing for us, uh, because, uh, the, the business has been up and down.

It's entrepreneurship. It's like, there's, it's a roller coaster. There's good years and bad years and tough years. And, but within all of it, it's just been a healthy amount of tension for us because previously, or, or after that whole 31 thing, like we, we were having a really big year, like in the business was doing really good.

And we had a couple really good years where we just had a little bit more, we had more than we needed, you know, but with that, what I found myself doing was, um, getting apathetic in terms of not saying no to myself ever. And I think if you find yourself financially weird, never have to say no to yourself.

I think it can lead to. Just lead to you getting weird, weird things. I think I, the very interesting, it's good to have some walls in place. Mm-hmm things to bump up against. It's just like child celebrities, like who hear yes. Every single time, like people aren't, we need to have something to submit to and to yield to, you know?

Yep. So anyway, that's the side note, but the point is, is that I, out of that abundance, you know, God kind of led us to this thing and that put in just a healthy amount of tension. So that, I mean, we're still incredibly blessed, you know, like fantastically blessed and super thankful for that, but it also stretched us and never had us in this position where we had so much money.

They're like, ah, we don't need to trust God anymore. You know, it kept us in that position of dependency on him, which I think is interesting because like we are teaching people how to manage their finances. And so. By the world's definition of this, we should just be sitting on piles and piles of cash.

Right. We should be, what is that guy? Uncle Scrooge McDuck or whatever, jumping into like your swimming pool of gold. But I just, I mean, I think that it's so like the Lord to, to keep us in a position of submitting to him, you know what I mean? Like, I, I think this is where some people can go wrong a little bit if there's not, if they don't keep that submission to the Lord.

And I'm so grateful for it. Cuz even though, let me tell you, there's so much stuff I'd like to buy. Even just the other day I told my friend, I just really want a thousand dollars to buy clothes. yeah. Like, yeah, just, could I just get a thousand dollars just real quick? Yeah. And of course Bob's like, he just laughs at me at this point he knows, but like, it's just easy to just want, like the eyes of man are never satisfied.

There is not enough money for me to have that. I would have all the things that I want. Yeah. There's no amount. It's so true. Doesn't matter how much it is. Yeah. Yeah. So, but when I'm in this place, I can continually go to the Lord and say, what is in my heart that I need to get rid of because clearly I'm searching for it in other places.

Yeah. And I think the other part of this too, is that you can continue to trust God for the things rather than just looking to our bank account. Yep. Which is easy when you start doing well financially, right. To trust in your bank account rather than going to God for. Um, and so that was a really powerful thing.

But anyway, coming back to your original question, isn't long term. No, I have so many things I wanna say, but I wanna hear like the finale of like, there's more, go ahead, go ahead. Back.

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So processing as you guys are speaking, I, we haven't even mentioned by the way that they, they do have children. So there was element of like kiddos coming into play and like, oh my gosh, we have to pay for another mouth and another belly. And, and now school and all these things are happening. And so I think it's important for people to recognize as they're sharing this.

They're, they're not doing life different than you. Like, I, I know that a majority of the household is, you know, two, two family income, two and a half kids, right. Or one and a half, I think it's now because of dogs and, and less children. But I, I believe we're coming back into plethora of family and abundance.

Yeah. Um, but I just, I think it's important for people to know, and also for people to see that it doesn't have to be that you're, this question keeps getting popped into my head to what. To what end do you want your money? To what end do you wanna be financially free? Or what is free even mean to you?

Because going out to eat with your family is great, but do you really need to go out to eat with your family six nights a week? Right? And so there's these conversations that start to happen and unfold and, and I'm even personally being convicted as you're sharing. And I think that's one of the reasons I honestly do this show is like, God, sharpen.

And he brings incredible people to sharpen us, even in conversations like this. And so for people to truly be listening and not just listening for the sake of listening, but listening for what the spirit is, speaking to you right now over your own finances. Cause none of us have it figured out no matter where you are, what your bank account number says little or not.

Yeah. I mean, that's what we always tell people. It's like, we have suggestions, but you really need the holy spirit to kind of fill in those gaps because like your lifestyle is different from ours. The things that are important to you are different than what's important to us. And the other thing is your calling is different than ours.

Yeah. So like these are all things that have to factor into your decision. Cuz maybe eating dinner six nights a week is eating out six nights a week is what you have to do to survive till you can get to whatever the next thing is, you know what I mean? Like that might actually be the answer for some people.

it has been our answer at some points in our life, maybe last year we were eating out a whole lot more, but because our brains were so taken up by other things that it was like, we can't, we just can't focus on dinner. Yeah. We just need something quick and easy to feed ourselves. I get that. I totally get that.

Right. But then there's this other element of, we ha we've made sure that we have the funds to do that. Right. Right. And that's a tricky one. Well, I mean, and the truth is, is that most people need to hear, you should eat out less. you're not anymore Starbucks people, but I think the point in all of this is that we, we view personal finance.

It's it's personal. And so it's different for everyone's situation. There is no one size fits all thing. And, um, and I think that's kind of what makes our approach a little bit different is that we understand that. And. And I think when you do this as a believer, when you invite God into the equation, like it makes perfect sense.

And he fills in the gaps. Like he fills in the specific things that each one of us need to do. Mm-hmm and back to what you're talking about, calling, like, we all have unique, uh, things that we are designed and put on earth to do. And so I believe that our stewardship and what he entrusts us with has something to do with our calling, you know?

So the money that we're entrusted with, like we are, he wants us to use that, to advance the thing that he's put in our hand to do, you know, mm-hmm yeah. And. So it's really important, you know? Yeah. Because if we are running out and just buying Louis Vutton bags, instead of using that to start the business that he's called us to do, it's like, we're missing it, you know?

Right. Mm-hmm, , where's the priority. Right? And, and I think that that's a hard thing to do because we're in a commercialized society and everything is you have to have this to look this or appear this or to make you happy. And we know that that's not true. And I think it, your same premise here as we're talking applies to business, right?

So many people are looking to the blueprint of somebody else's business to say, I just need to do it that way. And then I'll have it all figured out. And when, whenever I have a client who comes and they're like, I wanna do, I wanna be a speaker like you wanna be to writer, like you wanna be a podcast. I wanna host retreats, all these things.

I'm like, cool. We're gonna make a totally different business plan. It's gonna happen. Totally different than mine. I can tell you my testimony, but God has you positioned where you. With your unique gifts and talents and it's going to happen totally different. Yeah. And it's kinda like shock. They're like, no, no, no.

I paid you to tell me what you did. right. And I'm like, mm-hmm no, it doesn't work like that. My situation is totally different than yours. Yeah. And so I find freedom and, and honesty, and I see the spirit in how it is that you guys operate and show up. And that's so much harder to do than to just give a blueprint.

Right. Yeah. It's so much harder to, to be entrusting with the fact that when you are teaching someone, the holy Spirit's gonna show up and show them the way not you. Yeah. Like that's not your role. That's not your job. Mm-hmm . Yeah. And that's so good, like cuz yeah, cuz my story was similar. Like I, in 2007 I got laid off from the financial services company.

I was working. I started looking for another job. And God said, no, I want you to become a full time blogger in 2008. No, that doesn't make sense. No, one's where blog is like, no, one's making money from blogs, like, and he calls me to do this. And I, I mean, I had one mentor after another. Tell me it was a terrible idea.

Well, you had someone offer you a job that you were like, this is it. Thanks Lord. Somebody offered me a job making two times as much the old job I had just gotten laid off from. And God's like, Nope, I want you to go do this thing. That makes absolutely no sense. Everyone says it's gonna fail that, you know, all the stuff, but like, to your point, it's like, you just have to follow God in that.

And there, there was no formula for me to follow, you know, and, but God had a path and he made a way and the journey is so much more exciting and so much better of an adventure than I could have ever created for myself. Um, so yeah, I love that. You're preaching that cuz that's so powerful. Mm-hmm really, really, I think it's necessary for us to have it and it's gotta come from every angle.

So here you are listening to the fit and faith podcast, getting it from every angle, but there's more, there's more to the story. We haven't even gone to some of the, what I think is an amazing milestone. Yeah. When you hit 40 and I, I think my biggest question, cuz I haven't dived into all of your teaching and you guys have to get your hands on their book.

It's called simple money. Rich life. Yes. Please, right. Hold on. I'm gonna say it again. Simple money, rich life. Like that's the goal, right? Yeah. Achieve true financial freedom and design a life of eternal impact and you guys are making an eternal impact. And so my question to you, in addition to you sharing this element of your testimony, um, as kind of the mic drop is, is where do you put your money?

Because I think we think to tithing and a lot of people specifically just go right to church and that might be what you do, incredible if that's the case, but my husband and I view tithing in a lot of different ways and it's not just to a church. And so I'm curious what that looks like for you all. All right.

So we'll start with the finishing, wrapping up the story. Yes. Uh, so, so we had just continued doing this ages percentage thing over the really the last 10 years we've been doing that, which. You know, as you can imagine this yields to, or this leads to being able to give away a lot of money. Okay. Um, because we have a lot of disposable income that you're now delegating forgiving.

One other thing that we did, and we talk about this in the book, um, is we started tracking our net given. Okay. And so essentially there's a spin off of net worth where rather than focusing on how much we could accumulate in making that our measure of financial success, we decided we're gonna make our measure of financial success, how much we can give.

And so, because that's our measure of financial success, the, the thing that we're heading towards, we started tracking it. So we created this sheet where we just kind of write down everything that we've given, and we've been doing this for 15 years now. And so if we give to church or charity, we put it on there.

But also if we take someone out to dinner, if we host a party at our house and it costs a couple hundred dollars, like all of that gets added to this list and it's been so fun to be able to kind of look back and it gets us celebrating. Um, this number on this sheet now has some real significance.

Because it's not just a number on a net worth sheet where it's like, it's just a number, but this a hundred thousand dollars or whatever the number is on a net given sheet now means this is a hundred thousand dollars worth of lives impacted mm-hmm . And we can look back on the sheet and see, I remember that story when we gave that widow a thousand dollars here, I remember when this person was struggling and we helped them here.

And like, we can look back on all that and celebrate that, that what God has allowed us and helped us to do. Mm-hmm so it's such a meaningful exercise and it helped us really stay focused on what was most important to us, which was giving. So within that, we've been continuing that. And I had a giving goal of, I wanna be able to give away million dollars by age 40 and age 39 in about eight months, we crossed that line and had reached this milestone of being able to give away a million dollars.

Um, and. It's like, it's just a number. Like, I don't wanna make a bigger deal out of it than it is, but for us, again, back to the importance and significance of it, like what it represents for what God was able to do through mm-hmm, very unlikely characters like Linda and I like where we come from, this doesn't happen, you know?

Well, and I could have easily spent all that money, you know? I mean, we both cut it. We both cut. Like I can spend too, like, trust me. I can spend I get it. I get it. And I think what's so cool about it. It, it really isn't the number for, even for me, I'm just thinking about the magnitude. And I think about if it's not going to one place and as you're sharing and you're talking about all the people that it gets to go to that it's not even just to that one, recipient it's to that one recipient's connection points.

Mm-hmm and each individual human is connected to so many lives. Yeah. And so the story that you're now sharing is also however many people are on that list. Let's say, let's say a thousand people to thousand people's stories, that's connected to another thousand people. So it's, to me, I'm looking at a million dollars as a million people, and I'm looking to humanity and that if we, as, as net givers, right.

If we focus on our net giving rather than our net worth the impact that that could have on the kingdom. Yeah. And the display of Christlike behavior, unlike what we often see, even sometimes. And I, I hate sometimes when I'm sharing, I don't mean church. I mean, church as the box, not church as the foundation to what God intended for it to be, but, you know, megachurch or, or things like that, they can go into a place of they're giving, forgiving, not giving sake, they're giving for numbers sake.

And I want them to know like how important there is an element that net giving is, is more crucial than, than all the numbers of the butts they've gotten to see every Sunday. Yeah. I mean, I remember like, I think what, it's helpful to look at it like this. I remember. Um, okay. So I, right after I had given birth to my last son, I was, I was sitting in the bed.

I gave birth at home. I know we can talk about that later. but um, I was sitting in so many of my mamas, my crunchy mamas are gonna be jumping for joy right now. Okay, good, good, good. Um, and I, I remember I was holding the baby and someone was spoonfeeding me and I was like, this is so weird having someone else feed me, but in the moment, like I really needed someone to feed me.

Do you know what I mean? Oh yeah. And I think as the body of Christ, there are times when you're the one that needs to be fed. There are times when you need to be the one feeding. And I think that's, what's exciting to us about doing this is because there are times when people have reached out and given to us a lot of times, and we were like, you don't know how bad we needed this.

You know what I mean? Like it was so meaningful. And then there's other times when we are in the position where we see that on the other side, where it's like, you don't know how bad we needed this, this is an answer to prayer. And it, it's interesting being able to partner with God. In doing something rather than just being like, oh yeah, we just give away all this money.

You know, that, that is not at all. What we're interested in. We're interested in the piece that partners with God to be the hands and feet of Jesus on the earth, cuz Jesus isn't here anymore. He can't do the things that he was doing, but he is inside of all of us Christians and we can go out and do the things that he was, you know, trying to do while he was on the earth on a, in a grander scale.

And so that gets us really excited about this and also just brings it to a practical level of sometimes we need to be the ones receiving and also we need to be the ones giving. Yeah. And I think people who are even processing depending on the, the layer of their faith or the, the understanding of their faith and like how God speaks to us all individually is like, there's promptings that happen where they are.

Probably, I had no idea. This person just came to my mind. Should we give it to them? Yeah. Or somebody reaches out and is like, is there any way that you could potentially support in this way or this way or this way, and God positions himself right in front of you. Yeah. And the ones who need it are the ones that get to be revealed in the process.

And that is that partnering, that partnering piece, just like literally God who, who is before us, who needs us right now? Who needs you? Mm-hmm mm-hmm . And that's one of our favorite things about giving to people is the recognition that it is possible. I have one final question and it's, it's personalized, so it's not kind of selfish, but I hope that it serves other people too.

Have you ever been in a scenario that you were giving that you discovered you were actually enabling. Hmm. Uh,

I mean, yeah, yeah, sure. Short answer is yes. Yeah. I'm trying to think of like a really good example for a story. And I don't know if I have a great idea. Yeah, sure. It will. There's sometimes personalized situations. Yeah. Yeah. There have been plenty of times where I've realized that. I mean, you know, cuz it's like, yeah.

And the thing is so interesting to me is so much of the world just gets giving completely wrong and it's just not the way that God intended. And unfortunately, a lot of that has crept into the church. And so this idea of having strings attached this idea of, oh, I give a bunch of money to my church. And so therefore I should be able to call the pastor whenever I want and they should listen to me cause I'm important.

I'm special or any number of other things, you know, given from obligation is something that I think so many of us have that guilt giving thing. And I feel pressure. I feel like I have to and. I just don't think that's authentic biblical giving. So, you know, that's being pressured, that's being coerced.

Mm-hmm like you read second Corinthians nine, like has something to say about that. Yeah. Give with a joyful heart. Yeah. Like, so there's something, uh, here and anyway, and so long story short. Yes. We've definitely seen some of that. Um, and it's, it's unfortunate, you know? Yeah. It's unfortunate. I mean, there there's been times where it's like, , we, you know, we went out to, I went out to lunch this one time and this person spent the entire time talking about how much money they spend.

And I mean, it was almost really weird, like how well, I just can't not have da da, da, da, da. And when they got their bill, their credit card was declined and they looked around the table and was like, can anybody help me? And I was like, mm. Yep. Yep. I can help you. I got you. Yep. put it all. Add to the giving board.

yeah, I know. And it was, it was like, yeah, it felt like gross because like what they were telling me, they were buying themselves was like all these like luxuries and what they were telling me in the process was I refuse to, um, be responsible for my, the stewardship component of my finances. Yeah. Yeah.

It's true. And that's when it was just kind of like, this feels gross, but also I can take that to the Lord and go, that felt really gross, but I'm just gonna pray that this all happened for a reason and that you're gonna work on their heart and bring them to a position of knowing what to do. Cuz I clearly can't help them.

Like you're gonna have to do it. So sometimes I think we're in those positions and the Lord trusts us enough to be in those positions to realize that that's, that person's prayer request card, even though it's ugly. Ooh that's and they're not handing to you a nice folded piece of paper, but that's actually them saying, please pray for me.

I really, really need it, you know? Yeah. That, that's actually a phenomenal way to look at that. And once again, Bob, Linda just took the winner over here. Like that literally I'm like, yes, Linda for the win. No, it was, it was really good. And, and I I'm just honestly grateful, I think the biggest thing, and even before we jumped on here and I was just like simmering with the two of you being on the show together, marriage.

So incredibly important to me and it, it's hard. It's also hard. Like I I'm about to celebrate 10 years next year, next 20. Awesome. Yeah, we're getting, we're doing renewal of our vows and it's just like so exciting and so special. And I actually know what my vows mean at this point. and, and simultaneous to that, I just think about when people, two people can come together with a shared vision and that doesn't mean you have to start a business together.

Don't get me wrong when I say that, but just a shared vision of how you want to live this life and how you wanna showcase. God's love through your marriage. This is an incredible example of that. And so do you have any like marital advice as coexisting in a business together and also co-parenting and, and all the other elements that God has given you, any marriage advice for the listeners?

You wanna go, go ahead. Uh, I think, listen to your spouse. Like I. It seems really obvious maybe, but I think it's really hard to put into practice. So, um, like I said, I had no, uh, I have no giftings towards math at all. And Bob does so for a long time, I assumed that he had all the wisdom to share and I didn't have any, and it took a long time for the Lord to reveal to me and for me to actually get it that I do have a lot to offer and a lot to share, but I mean, vice versa, there's things that I kind of put that same thing on Bob for of like, well, I've been doing this for so long and he doesn't, but that's actually wrong.

Like as soon as I open myself up to what he has to say, I can see. How good, what he has to offer in this situation that maybe he doesn't know anything about, but he actually knows a lot about right. And that I need to hear, you know, and I think sometimes with that there's elements of like, remembering that, that, um, that childlike belief towards something and that, or that childlike knowledge towards something is the exact thing that you needed to hear.

Yes. And you're like, they might not have that girlfriend issue, but they do have wisdom in this friendship situation. And man, it's been so supportive. Mm-hmm for me to, to listen well, to my husband. That's a really good one. Yeah. How about you? About one of the thing that I wanna add to that, like for anybody listening right now, who you're like, I can't even talk to my spouse with about money cuz we get in a fight every single time it comes up.

Yeah. And so we just avoid the conversation. So anyone in that situation, this for any topic really for real, yeah. Like the, the best way that we have found to do this, to handle this is to have a conversation about the conversation. Okay. So don't talk about money, but have a conversation about how you're going to talk about money, right?

Because it's different and you can, you can have that conversation and, and it can, it can work out and you can be like, all right, listen, we can both acknowledge that every time money comes up, we fight. Um, so how do you have any ideas and how we can work through this to have a conversation where we don't fight, you know?

And so start there. That's right. And it's amazing, but like, just flipping that and just because we all have these triggers and it just inevitably get pressed and then the fight starts, like it blows up, you know? And so. It's like having like a, a PLA plastic case over the button where it's like, we can, we can talk about it with that plastic case on it before we take the plastic case off, you know, , that's good.

Do that. There's a lot of, there's a lot of patience and self control that happens with that. Cuz generally speaking, you wanna jump right in and you wanna find out what happens if you press the button. Yeah. Sometimes in spite of your spouse, right? Yeah. Like you're just like, oh, I'm so frustrated at you.

Boom. And they're like, what has happened? Why would you do that? Right. And so I love that idea. It's uh, not something, I don't think it is common practice for people. And so I I'm gonna have to, again, another conviction point I'm like, Ooh, I'm gonna have to do that one. So thank you for, yeah. It really helps advice.

Yeah. So I wanna give you any final like mic drop moments, any final things that you're like, we didn't talk about this thing, Tamara. And we always talk about this thing on a show. Oh, what is it? I don't. What do you think , she's listening. He's listening. You look right on air . I don't have a mic drop, but I, the thing that I think just is really important that I.

that I want everyone listening to understand, like I spent so many years cuz the world wants to tell us that money should be the goal. This is the thing we should just be chasing after, above all us, everyone just hustle and grind your way to having as much money as possible. And I think as believers, we have to understand that it's not a goal for us, like for the world that might be because that's where they have to put their trust.

That's where they have to get their security from. But for us it is a tool mm-hmm , it is a different thing. Like it is a tool that we can use to F uh, facilitate and usher in the things that God has for us to do and to advance his kingdom to impact eternity. Like it's a tool, it's a tool, it's a tool. And when you remember that and you, you understand that we're managers for God that were stewards of the money that he's entrusted with, it's all his, and it's a tool that we get to use.

Like it, it changes your perspective and it helps your decision making and it ultimately just provides so much more peace with money. Yeah. And the thing that I would add to that is that you are smart enough and capable enough to figure it out. Yes, that's, it's not rocket science. That's thing that the world wants us to believe is that you are not smart enough to do the right things with money.

And it's just not true. And I mean, that's what one of my big roles in this book was to make sure that I could understand what Bob was saying. Cuz he can get super heady and spread Sheety and all the other stuff, because he's really excited about it. But to me I'm like, if I can't understand it, then other people won't be able to understand it.

And like that's what we have to do is make it like that's what we tried to do is make it as simple as possible so that the. You know, more easily distracted people like me could get in there and figure it out so that we can move on with what God has us to do, you know? Yeah. Like it's not all, not everyone is supposed to do what we're doing with money.

Right. But everybody needs to get, to be able to figure it out so that they can do what God has for them to do. Yeah. Right. And I love that element. I think it's the it's, you're smart enough. You're worthy enough to not just manage it, but also to make. And I, that's a huge conversation that we have with our children who are only seven and nine at this point who are already little mini entrepreneurs, is like, I want them to understand that they can make money.

It that's not the problem. There shouldn't be a limiting belief that I can't do this thing, but what happens right after they get that money is the conversation about management. And they so desperately wanna go to the arcade and they so desperately wanna hit up the target section. Uh, that's now $3 and not a dollar by the way.

And you know, I have to teach them. They're like, but it's my money. I'm like, I get that. But is that really how you wanna spend it? Let's talk about stewardship. And so it's been, I learn about money all the time just by teaching money to my children. Yeah. So I can't imagine how many, like aha moments you guys have had.

Expanding the kingdom in this way, by teaching it to people. Yeah. And hearing their problems or their wins and how you can do the same thing too, from a reciprocal, you know, listening process. So yeah, I, I'm so excited to get my hands on this book. Your, your agent actually reach out to me and she's like, I forgot to send the book before I'm gonna send it.

I'm like, yay. That's a bonus. The conversation's been amazing. You guys are incredible. And I am so grateful to continue to just partner with you as a fellow believer, not only in prayer, um, but just in petitioning that you continue to see this expansion. And I can't wait till you're 60 and donating 60% and it's gonna be bad.

So good. I love you guys. Thank you for being here. You guys. Thank you for having the time. Yeah. Get in touch with Bob and Linda. You guys hang out on a specific social platform. I know you've got your PA your podcast as. Yeah. So podcast is seed time, money, like seed, like you plant in the ground. Um, we're Instagram at seed time over there.

Mm-hmm and then we have a website with a whole bunch of free tools and free guides. It's seed Yep. All the links are below y'all. We thank you so much for tuning in you guys are incredible. Have a beautiful day.

Hey, y'all it's me again. Before you go, let's solidify the flame that was ignited within you today by sharing the spark with your own community, whether it's mentally, physically, emotionally, relationally, or spiritually, I would love for you to take the step right now by declaring your takeaway snap APIC of the episode and share it on your stories or.

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That is of your choice. I'm going to be featuring your thoughts in fact, and this is gonna be so fun an upcoming episode. So you'll not only hear your name on the show, but maybe even your passion project or whatever, big shout out you want me to make. So please, as a fellow writer, leave some words that I can attest to.

And I can't wait to read what you have to say. Thanks again for being a loyal listener. And I hope to meet you in person soon at one of the events that we are speaking at or hosting. And I say we, because the fit and faith team could not do this without you until next time blessings over your joy, health, wealth, and wholeness.

This is the fit and faith way.

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