SeedTime with Bob and Linda Lotich

Why I think God hates our money system (and what to do about it)

SeedTime with Bob and Linda Lotich

Show Notes

Is our money system actually working against faithful stewardship?

In this episode, Bob and Linda tackle a conversation almost no one in the church is having—but one every Christian steward needs to understand.

Bob opens with a shocking reality: $100 in 1971 now buys about $12 worth of stuff. Same number. Far less value. So what happened?

From there, the conversation zooms out to explore inflation, fiat currency, and why Scripture repeatedly condemns unequal weights and measures. Is our modern money system quietly violating biblical principles—and if so, what should believers do about it?

This isn't about fear, conspiracy theories, or predicting the end of the dollar. It's about wisdom, stewardship, and preserving the value of what God has entrusted to us so we can live generously and faithfully over the long term.

In this episode, we cover: Why saving money can feel like running on a treadmill

What changed in 1971—and why it matters to your everyday life

The biblical problem with "unequal weights and measures" (Proverbs & Amos)

Why fiat currency quietly erodes purchasing power over time

How money worked in the Bible: weight, scarcity, and real value

Why Bob views gold as a store of value, not an "investment"

How Bitcoin compares to gold (and why Bob separates it from other crypto)

The hidden danger of keeping all your savings in cash

How volatility differs from slow, invisible loss

Why this conversation is ultimately about generosity and kingdom impact

Key Scriptures (NLT): Proverbs 11:1 – "The Lord detests the use of dishonest scales…"

Proverbs 20:10 – "False weights and unequal measures… are detestable to the Lord."

Amos 8:5–6 – God rebukes those who manipulate money for gain

Genesis 23:16 – Abraham pays with weighted silver

Exodus 30:13 – Money measured by the sanctuary shekel

Genesis 2:11–12 – Gold appears early in creation—and God calls it good

Go deeper: If you want a deeper, step-by-step breakdown of how Bob thinks through gold, Bitcoin, and long-term investing from a Christian perspective, check out the 10x Investing Course mentioned at the end of the episode (https://seedtime.com/10x).

The heart of this episode This isn't about gold or Bitcoin being a "savior." God is our provider—always. But wisdom matters. If money quietly loses value every year, that affects families, retirees, and our ability to give generously.

As Bob explains, better stewardship today can mean greater generosity tomorrow. Action step for the week: Take 30 minutes to review where your savings are currently stored. Pray for wisdom (James 1:5), and ask this simple question:

"Is all of our money sitting in something that loses value over time?"

No pressure to act—just awareness, prayer, and learning. Important note: This episode is for education and biblical reflection—not personalized financial advice. Always pray and seek wise counsel before making financial decisions.

Watch this episode on our SeedTime Money Podcast YouTube channel (https://youtu.be/euzv8IC40R0)!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books." You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

More from SeedTime with Bob and Linda Lotich

Oct 23, 2026

If God is going to do what He wants anyway, why pray? My guest today, Matt Smallbone, is a pastor in downtown Nashville, and for most of his thirty years as a Christian that question kept him from praying much at all. He'd read every book on prayer. He'd handed the whole thing back to God and called it theology. Then he ran an experiment. The Lord's Prayer, all six parts, every day, for a year. In this conversation we get into what that year taught him about God's sovereignty and unanswered prayer, why he believes most unanswered prayers go unanswered for one reason (and why he also believes God says yes to every prayer we would pray if we knew what He knows), what "give us this day our daily bread" meant when his family lived on $150 a week, why he says forgiveness has actually become easy, and how he and Linda kept praying through the loss of a baby. If prayer has ever felt boring, awkward, or like it just isn't working, this conversation is for you. If you enjoyed this conversation, definitely check out Matt's new book, The Prayer Experiment. The whole year-long experiment is in there: https://www.amazon.com/Prayer-Experiment-Realigns-Everything-Thoughts/dp/0310372739

Oct 16, 2026

Most of us measure our money by how the month feels, and that's a lot like trying to lose 20 pounds by checking how tight your sweatpants are. In this live workshop, Linda and I walk you through the one number that actually tells you whether you're getting ahead, why we stopped calling it net worth, and what Proverbs 27:23 has to do with it. We get into why so many of us avoid looking at our finances, the two scoreboards that keep people anxious no matter how they're doing, our own first number (-$13,843) and where it was one year later, a 10-minute exercise to find your number, the four financial stages and what to do in each one, and your questions about money leaks, setting an enough number, giving when money is tight, and paying for kids in college. Not sure which of the four stages you're in? Take our short stage quiz (10 questions, about two minutes) and you'll get next steps for right where you are: https://seedtime.com/stage

Oct 9, 2026

"I'll give more when I make more." Most of us have prayed some version of that. My guest today is a business owner who realized he had been living it. Colby Jenkins can easily afford to give. And one day he noticed he hadn't heard God prompt him to give in a very long time. What God told him about why almost made him cry. In this conversation we get into the two money tests almost every Christian faces (the vision test when you have less, and the obedience test when you finally have more), why "one more layer of security first" is the prayer that keeps us stuck, what your bank statement already says about your real vision for money, why God can go silent about your finances and what that silence might mean, and the one question Colby asks himself to tell whether a plan is from God or just from him. Nothing here is a formula. It's a conversation about obedience, and about what it looks like to become a conduit instead of a vault. We wrote down the 14 things we did to be able to give away $1 million by our 40th birthdays. It's free at: https://seedtime.com/GIVE1M

Sep 25, 2026

You can be totally at peace with God, doing everything right, and still not get the thing you've been praying for. That one hit me hard. Annie F. Downs sat down with me and Linda to talk about her new book, Don't Let That Hold You Back. She's the host of the That Sounds Fun podcast, and she just got engaged after decades of being single. We talked about the idea that if you just get content enough, God will finally hand you what you want. She says that's not how it works, not even close. We got into what the Bible actually means by abundant life, and why the enemy's real target isn't your bank account, it's your dreams. We talked about her "board of directors," the people she lets speak into her biggest decisions instead of just asking ChatGPT. And we talked about why our company shuts down for three whole months every summer, fully paid, and what that has to do with a verse about letting a field rest. This one covers faith, waiting, money, and what it looks like to stop letting fear make your decisions for you. If you enjoyed this, we'd love to send you a free copy of our book. You just cover shipping. It has over 1,000 5-star reviews on Amazon. Grab it at: seedtime.com/free.

Sep 18, 2026

Most of us pray about money. Very few of us ask God what to do with it and then sit still long enough to hear an answer. This is Part 2 of our conversation with our friend Bryan, a business owner and honestly a spiritual mentor in a lot of ways. In Part 1 he showed us how a money idol hides in a phrase you say every day. This time he shows us the other side: what it actually looks like to hear God about a money decision, and what God tends to deal with before He builds anything. In this conversation we get into the exact ten-minute practice Bryan's whole team uses to ask God what to do (a timer, a notebook, and four things to write down), what came out of it the first time twelve people tried it, why he believes everyone in the room hears something, why "you need $250,000 to do this" is usually money holding you hostage, the stuff in the basement God insists on dealing with first, why you should not rush to be a teacher, the million-dollar cabin God told them to buy with money they did not have, and the question Bryan can't shake: how many spots have I not been in because I didn't listen? Nothing here is a formula. It's a practice, it happens in community, and Bryan argues against his own decisions the whole way through. If you want a place to start, Linda and I wrote 30 Days of Prayer for Your Finances for exactly this: one short prayer a day to start asking God about your money instead of just worrying about it. Grab it at: https://seedtime.com/30DOP

See all episodes →