EP:20 Giving Away My Age with guest Bob Lotich, Seedtime.com Welcome to Debt-Proof Living with Mary Hunt. Today's episode is brought to you by Mvelopes.  That's M, like Mary, v-e-l-o-p-e-s. Mvelopes uses the tried and true envelope budget system all in one easy app. Give every dollar a purpose! Mvelopes.com. And now, Here's Mary!    Mary Hunt: [00:00:32] Everyone. I'm so happy to have you back with me on this episode of Debt Proof Living. And boy, am I excited! This is a first for us. We're new to this business anyway, but this is an absolute first. We're having an interview! I have invited a guy that I have known of and spoken with, not met face to face yet. Perhaps that'll happen someday soon, but I have followed Bob Lotich on his blogs now for several years, lots of years. And I gotta tell you this guy's got it all together. I love what Bob teaches. He, he comes at personal finance and money management from a Biblical viewpoint. Now I'm not saying that this is a church service or a Bible study necessarily, but I'm telling you Bob  and I share so many values because we are both followers of Jesus Christ. And if that cannot help, but to color our lives and the way that we handle everything, the way that we manage our money. And the way that we teach. So I am thrilled to death to have Bob with us today. Now, let me tell you a little bit about him. He is a certified educator in personal finance. That means he gets to put at the end of his name, CEPF and he started a blog called SeedTime. it was originally called Christian Personal Finance or ChristianPF is probably the way you might remember it way back in 2007. That was not that long ago because I started way back in 1997 online. So. We go back a long time. But anyway, his passion is to help fellow believers like me and like many of you to learn how to manage your money wisely., His personal mission and the mission of his blog Seedtime, is to make, save, grow and give money to benefit others. Isn't that awesome? I love that. Make, save, grow and give. After all says Bob, life, isn't about the accumulation of things, but it's about how much we can make a difference in this world by giving. And I gotta put my parentheses in here. We are certainly in a time right now during this global disruption, our lives have been so disrupted. what better time then we can look at the whole world to find ways that we can help and give and serve. In 2017 SeedTime donated 36% of all e-course sales to Feed My Starving Children, which has provided 79,000 meals to hungry kids around the world. That is  just amazing. Amazing. Once Bob realized that by paying off his debt, he could fund God's kingdom  instead of paying interest to banks, it provided a deeper level of motivation for him and his wife to get out of debt. That sealed the deal. Bob and Linda spent the next couple of years paying off their $46,000 of debt in their first years of marriage. Bob also has a passion for helping entrepreneurs, get their business ideas off the ground. And he's written two fabulous books, helping bloggers and want-to-be-bloggers build and grow their blogs.  So if you have that in your mind, you really, really need to check out Bob Lotich.  Anyway, when Bob isn't working, he is likely hanging out with his wife, Linda, their kids, Alden, Valerie, and Oliver. Working on his garden. Eating some artisanal dark chocolate .Playing his guitar or riding his motorcycle. And sometimes, you ready? All at the same time!  Now I have to see a picture of this. And so without any further hesitation or delay welcome, Bob!   Bob Lotich: [00:04:13] Mary, thank you so much. It is an honor to be here. It's an honor to be speaking with you. You've been a role model and a mentor for many, many years, and I'm just thrilled to be able to chat.    Mary Hunt: [00:04:24] we're so happy to have you here. Bob, ther