Who you will be learning from:

Bob Lotich

SeedTime Founder

Bob Lotich is a Certified Educator in Personal Finance (CEPF®), award-winning blogger, has over 10+ years experience writing about money, and has been named a top 20 social influencer in personal finance. His writing has been featured on Forbes, The Huffington Post, Yahoo Finance, CBN, Crosswalk, Patheos and others. He has been a full-time writer since 2008, Youtuber since 2018, and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket.

What our students are saying:

“The course is great. Straight and to the point. thank you for introducing the system. It’s genius. I can see it working better than any budgeting concepts I’ve tried in the past.”

Matthew P.

“I’m loving the Real Money Method. I’ve saved hundreds of dollars and I’ve never felt so in control of my spending. ”

Kayla R.

“I cut my spending by over $800/month without even feeling it.”

Lauren C.

“Our monthly bottom-line went from about $500 in the red to $1,160 in the black. ”

John P.

“You and Linda make it easy without making me feel dumb. I have been budgeting for 21 years but have never had it working like it should and I could never figure out why all the extra money was gone at the end of the month. But now we can see exactly what is going on (unlike before with other software) and as a result there is money leftover each month.”

Joanna P.

“I decided to go with your budgeting plan…what a difference it’s made! We’ve increased our savings by $16,000 and we’ve been able to save $3,000+ in our HSA account.”

Neal H.

“We are now nearing the end of our first full month using your program… We have been able to free up nearly $900 this month, which is quite honestly mind-blowing!”

Chrysti B.

“I have been able to save about 6 months of living expenses. Trust me when I say this has been SUCH a blessing in these crazy times and I know that it would not have happened without the course.”

Sheri J.

“We are really enjoying it! …Overall it’s working so much better than YNAB did for us and I love the ease of the capital one app as well.”

Katie M.