Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact

by Bob Lotich

A hope-filled money guide to increase savings, earnings, and giving and actually enjoy it all while designing a life of freedom and eternal impact, from the founder of SeedTime Money. Broken down and stranded 1,000 miles from home with only $7 left in his bank account, Bob Lotich had reached his breaking point. He was stuck in a dead-end job, living paycheck-to-paycheck, and overwhelmed by debt. Bob had been following the world's advice with money and this was the fruit of it. In desperation, he cried out to God for wisdom, for a different way. The answer was a simple four-part formula, one based on timeless biblical principles, and, most important, it worked. After applying this simple formula, Bob discovered that his financial stress melted away and he finally felt fully in control of his money. As he continued to follow the four steps, he paid off over $400,000 in debt, reached a personal goal of giving $1 million by age 40, and achieved a level of financial freedom he never dreamed possible. In his casual and approachable style, Bob (along with his fun-loving wife, Linda) shares everything he learned about achieving true financial freedom, • How to create a money system so you can spend less time and get better results • The One-Category get 80% of the results with 20% of the work • The four keys to earning more in the digital era • How to automate your way to financial success in less than 10 minutes • The secrets of a six-figure giver • Three credit card rules that banks don’t want you to know • How to save $100s each month while still buying what you love • And much more! Whether you are doing “fine” or are in a financial crisis, the included 21-day kick-start will leave you with specific action items to guide you to success. You can have financial security, peace, significance, and eternal impact. Let Bob show you how to reimagine money as it was meant to simple.

Genres: Nonfiction, Finance, Personal Finance, Christian, Faith, Audiobook, Christian Living

305 pages, Kindle Edition

Published April 26, 2022

About the author

Bob Lotich is a certified educator in personal finance (CEPF®) and has been named a top-20 influencer in personal finance. His award-winning website, SeedTime.com and SeedTime Money Podcast have reached over 50 million people in the past decade.

Bob loves sharing the results of his experimenting with small things like budgeting hacks, money-saving apps, and big things like radical giving, year-long sabbaticals, and other timeless financial instruction from the Bible.

His first Kindle Book "How to Make Money Blogging: How I Replaced My Day-Job With My Blog" is an Amazon #1 Best seller.

Reviews

[Julianna Curtis · Rating 5 out of 5]

I recently changed to working part-time after an 11 year career in IT, to be able to focus more on ministry. And though I've been a long-time subscriber to Bob Lotich and SeedTime (and have taken some of his online courses), this book has been such a help! I am needing to budget very carefully now, but also want to continue focusing on giving and being generous. Simple Money is helping me do just that! I love that book has good theology about money, but also very practical tips and challenges and I have already completed many of them. No matter where you are in your financial journey, you will benefit from this book! Highly recommended :)

[Rachel]

I feel like I can't rate this one because after binge-listening Dave Ramsey podcasts for several years, a lot of the information wasn't new or I felt like it wasn't the approach I would personally take.

The section I really loved though was on giving. When I read Radical in October, it felt so extreme and it lacked practical ways to give more. This book makes it feel very manageable and was inspiring on how to slowly increase what we are giving to others.

[Tegan V · Rating 4 out of 5]

After successfully using the Real Money Method system by Bob and Linda, I was pumped to read this book. It read quickly and easily and honestly was entertaining and not dry like other financial books. There are so many golden nuggets of info in this book that I can’t wait to share with others and buy them a copy too!!

[Darryl Burling · Rating 4 out of 5]

This is hard to review. The theology in this book is often pretty bad, but the financial principles are pretty good and helpful. What sort of theology are we talking about? “Remember, Jesus showed all of us our worth by coming to earth, living a sinless life, and dying on the cross. No dollar amount can compare to the price He paid, because there is simply no number great enough to show what you are worth.” The redemptive work of Christ is not about showing how great we are but about showing how great God is, that he would save any who have declared themselves his enemy, rebel against him, and defile His image in every conceivable manner. Fortunately, these are scattered comments, and not part of the books overall thesis.

Overall, this is not a book of theology, but of practical principles and guidance for each of its four main sections. This is the strength of the book. The four sections are, “Save all you can,” “Earn all you can, “Give you can,” and “Enjoy it all.” My main takeaways from this are focused on being more deliberate in giving, creating practical ways to become more generous, which is a character trait I’ve been wanting to grow in.

But there are many other good principles, like “Never 100” which is to say, never spend all of your pay check; increasing the % of your income that you give each year; having an account for spontaneous giving; cultivating contentment and thankfulness; and finding something to say “no” to yourself in each day.

So, if you can ignore the redemptive theology and focus on the principles this is a helpful book. Though, don’t look for a theological foundation of the financial principles, that isn’t really what the book is about.

[Paige Gordon · Rating 5 out of 5]

I picked this book up because I actually got to meet Bob and loved hearing his story, but I’ll admit I didn’t have the highest expectations for it. I’ve read a ton of financial books and it’s not often I come across something which genuinely stands out from the rest. So, I was in no way prepared for how much I was going to love this book and how radically it would wreck my life in the best possible way.
In this book, Bob and Linda have created a spirit-filled, practical guide to finances which balances the natural reality of money with the supernatural reality of God’s power in a way that far exceeds any other faith-based finance book I’ve read. Their story is compelling, their guidance is clear, and more than anything their desire for you to submit your finances to God and ultimately follow His leading, shines through every single page. This book is among my top 5 favorite’s on the subject and is one I can’t recommend highly enough to anyone looking for guidance or inspiration in this area.

Favorite Quote: “But every time Jesus invited us to step out to walk on the water with Him, He came through. Every. Single. Time. And it always yielded bigger blessings than we were expecting.”

[Dylan · Rating 5 out of 5]

This book is one of the better books on finance from a Christian perspective that I’ve read. It’s mostly a blend of John Wesley’s sermon “The Use of Money” and Ramit Sethi’s book “I Will Teach You to Be Rich.” Additionally, the author is more balanced in his view of credit cards than other Christian financial authors like Dave Ramsey is.

The main ideas of the book are:

- Wesley’s three points from his sermon: make all you can, save all you can, and give all you can.
- Three As: attention, automation, and adjustment. This is basically to track your finances, automate what you can, and adjust your budget/spending as needed.
- One category budget: if you’re trying to cut spending, choose one budget item that can be reduced the most, or the area you over spend most in, and focus solely on cutting expenses in that category.

The author also has small group curriculums for churches to use this content as a finance course in their church.

[Ann Libra · Rating 5 out of 5]

This book is fabulous! I've been a Dave Ramsey follower for decades, and Larry Burkett before that. But this book is fresh and so much more enjoyable, plus it goes into things neither of the others ventured into.
I highly recommend this!
The last quarter of the book is so helpful -- on giving and enjoying the financial side of your life.
And it was such an awesome read I'd like to read it again in a few years... just to refresh the attitudes he shares.

[Ken Haak · Rating 5 out of 5]

This was an unexpected surprise. I have listened to Bobs podcast for a while and thought it would be stuff that I had already heard on his podcast. And for sure there was some there but the gold nuggets of this book are chapters 13-16 about calling and passion. He has some incredible insight in helping you think through what’s next in life. So whether you are 20s and figuring out what to do with your life or later in life trying to decide if you want to do something different these chapters would be a great resource. The whole book was good but those chapters are a reason to read it.

[Robin · Rating 4 out of 5]

Simple Money, Rich life is a Christian financial book written by Bob Lotich to help you find your passion and purpose in life through listening to and trusting God. I really liked this book. I picked it up because he’s a Christian author and I was curious about how to intertwine money and faith. This book is put together in quick, easy to understand chapters to help you figure out your financial plan/job purpose. Bob does include his wife in the book, but I skipped over her parts because they really didn’t add anything to the book, in my opinion. I do love that the book gives you ideas/steps to take for business owners, freelancers, and employees. Bob also had many tools throughout the book that are helpful and necessary for fighting your fears and figuring out your journey. I recommend buying the actual book versus a digital copy so you can highlight, tab, and take notes.

Thank you WaterBrook & Multnomah and NetGalley for the advanced copy of this book!

[Anela · Rating 5 out of 5]

This is not just any other personal finance book. It’s not just about budgeting, getting out of debt or increasing your income, although that’s always part of the equation. Bob (along with his wife, Linda) go deeper into how you can reach TRUE financial freedom. They’ve been in the trenches before and they share examples of how they’ve got out of it, not only by the things they’ve done, but how God came through. This is the first book that I’ve read that genuinely seeks to fully know and apply what God teaches about money, stewardship AND how to realistically apply that to my life. The chapters and action steps are easy to follow and you can start to make changes in your financial life today.

[Katerina Molchanova · Rating 4 out of 5]

Overall, it's a very kind book. There are some original thoughts.
But it's a little bit too much religious explanations for me... Though it provokes thought, I'm not sure I'm ready to fully accept the explanations.

[Jessica Claxton · Rating 5 out of 5]

By far the best book on finances I've ever read.

[Morgan (Getty) Chao · Rating 5 out of 5]

Highly recommend! The Church will benefit greatly from reading the biblical advice given in this book. I was disenchanted by other methods—well, the one major method used by churches that I know of…that claimed to be biblical but really just cherry-picked Bible verses to support their recommendations (e.g. Get a second or third job to get out of debt as fast as possible and sell your couch, even if that means you won’t be home to help raise your small children or be able to practice hospitality well bc there will be no place to sit). The one I have in mind didn’t really address the heart or soul. It wasn’t considering eternity.

This method is truly simple and practical. But most importantly, the authors’ advice is to TRUST and OBEY the Lord with our money. It’s about being good stewards and recognizing that giving money away is not just for personal fulfillment and altruism nor is it something that needs to wait until AFTER you’re out of debt. The authors show how we ought to prioritize faithful giving of our time and resources and trust the Lord to provide for our needs. It’s by no means an easy breezy thing… lots of work involved! But it’s Kingdom work. Not “building my little kingdom” but joining God in building His.

The book gives so many clear tips and strategies for stewarding our money well. How to save, how to spend, how to plan, how to give, and how to rest in the Lord.

Hands down, this is my favorite money method!

[Zoe · Rating 5 out of 5]

Finally, a book about personal finance than neither makes me feel like a hustler nor an idiot. Lotich and his wife Linda give practical advice with an autobiographical spin on how they changed their financial picture by tapping into their why - wanting to be more generous. That may sound like the opposite of everyone out there who is encouraging you to become a real-estate investor or buy crypoto-currency, and they don't do that exactly, but they do give you practical advice about your budget, emergencies, your retirement savings (re-examining 'retirement' was actually an eye opener for me) and tracking your giving. Incredibly readable and helpful. I'm on my first re-read already and it won't be my last.

[Trentpeeler · Rating 5 out of 5]

Some really helpful tips and exercises to think through for Christians who want to steward their money well. Also very challenging/stretching to trust God, who operates through his own economy. I would have benefited more had I read a physical copy rather than listened to the audiobook.

[Ethan Henshaw · Rating 5 out of 5]

I’m no money expert, but this book gave an incredible insight into our relationship that God desires to have with us in our finances and a simple, practical formula for striving to glorify God with our money, trusting that he will provide.

[Johanna Moore · Rating 4 out of 5]

Very simple information, with profound wisdom sprinkled throughout, and delivered in a way that keeps you engaged. I would definitely recommend this to everyone I know who wants to improve their finances, and the way they look at money and giving.

[Erin Odom · Rating 5 out of 5]

I loved this book. Bob & Linda are humble yet confident & knowledgeable. This is very different from other money books in that it places a strong emphasis on giving. Unlike many money books, it’s not boring at all! I love how the wove in lots of story & Scripture. I was really encouraged & motivated by this book!

[Rose B · Rating 3 out of 5]

Overall it was --ok. This is the type of book for either -

someone, a Christian, who has absolutely no idea where to start with getting their money in order
OR
someone, who thinks they may be a Christian, who has a lot income but just keeps falling into debt and recognizes they need help.

This is not a book for someone who is poor and hasn't any idea where to start (increase your income somehow is going to be #1), and this isn't for someone who isn't either of those extremes and is just seeking some step up tips that they haven't heard a million times in different ways (me). He also uses a lot of Christian lingo and scriptures which, only Christians can truly apply and appreciate, so I wouldn't recommend it for non-Christians. As they say, God is not a genie where, if you do this He'll do that. He'll only do -that- for His Children, so the principles cannot be disbursed for others to use.

To be honest, I loved the beginning and his/their (him and his wife's) story of not having money to coming to have money. How God tested their faith, but His promises came through. And even when he talks about letting go of some things, like weekly coffee stops, in order to reach your goals.

But by the middle of the book I was dead sick of the various ways he retold the same story of getting in control of their money. No more stories of Rockfeller! And wow... how I was waiting for some solid, clear advice for getting out of debt, budgeting or investing or even the simple advice of getting into a better income making job. (Altho he does talk about careers matching your interests and skills.) I think some of that is in the resources linked to his site or in the back of the book maybe (I listened to the audiobk).

Now, don't get me wrong, I followed Bob's blog when it used to be called Christian personal Finance like back in 2011 or something. It was very helpful and I'm sure Bob is keen on debt and personal finance.

But the book left me with an underlying sense that he either doesn't know enough details about what he is talking about or he has lost touch with the beginning of this journey - to those at the level which I thought he was speaking.

I'm sure neither of those are true but the book definitely came across feeling a bit empty of steps to understanding money better. Maybe I just missed his point. As a Christian, I appreciated some remarks on what the Bible says about handling money, but even then I didn't get any specific advice on how I can apply that (outside of the giving sections).

The long lectures at the end of the book about giving and enjoying it felt a bit soapboxy, tho I appreciated his repeated statements of this isn't for everyone, your story won't look like ours, etc.

About 2 chapters in I recommended someone read it and he started to. But by the time I was about 70% through the book I was regretting I said anything because I knew this other person would not be able to relate.

I think Bob tried to avoid the go frugal, snowball debt conversation but at least for me and those I know, this is exactly the type of thing we need to know to crawl out of debt. Having a blog that got started back in the 2000s when it was much easier, and makes ongoing tons of money is just not plausible for most. I even tried to build a blog for about 7 years, and it just never got anywhere. That wasn't God's plan for me and so relating to him is hard when most people work 9-5 and still can't afford Chipotle.

Anyway, it's a book you can read if you just want to casually read about someone's money mindset AND you are a Christian.

[S.G. Dewey · Rating 4 out of 5]

Good book. Lots of Jesus in it, as He should be. Lots of wisdom and helpful insight on finances.
He encourages so much giving and he made me go away with the desire to give more. God has blessed us in so many ways and all our money is His.

[mRose · Rating 3 out of 5]

Overall it was --ok. This is the type of book for either -

someone, a Christian, who has absolutely no idea where to start with getting their money in order
OR
someone, who thinks they may be a Christian, who has a lot income but just keeps falling into debt and recognizes they need help.

This is not a book for someone who is poor and hasn't any idea where to start (increase your income somehow is going to be #1), and this isn't for someone who isn't either of those extremes and is just seeking some step up tips that they haven't heard a million times in different ways (me). He also uses a lot of Christian lingo and scriptures which, only Christians can truly apply and appreciate, so I wouldn't recommend it for non-Christians. As they say, God is not a genie where, if you do this He'll do that. He'll only do -that- for His Children, so the principles cannot be disbursed for others to use.

To be honest, I loved the beginning and his/their (him and his wife's) story of not having money to coming to have money. How God tested their faith, but His promises came through. And even when he talks about letting go of some things, like weekly coffee stops, in order to reach your goals.

But by the middle of the book I was dead sick of the various ways he retold the same story of getting in control of their money. No more stories of Rockfeller! And wow... how I was waiting for some solid, clear advice for getting out of debt, budgeting or investing or even the simple advice of getting into a better income making job. (Altho he does talk about careers matching your interests and skills.) I think some of that is in the resources linked to his site or in the back of the book maybe (I listened to the audiobk).

Now, don't get me wrong, I followed Bob's blog when it used to be called Christian personal Finance like back in 2011 or something. It was very helpful and I'm sure Bob is keen on debt and personal finance.

But the book left me with an underlying sense that he either doesn't know enough details about what he is talking about or he has lost touch with the beginning of this journey - to those at the level which I thought he was speaking.

I'm sure neither of those are true but the book definitely came across feeling a bit empty of steps to understanding money better. Maybe I just missed his point. As a Christian, I appreciated some remarks on what the Bible says about handling money, but even then I didn't get any specific advice on how I can apply that (outside of the giving sections).

The long lectures at the end of the book about giving and enjoying it felt a bit soapboxy, tho I appreciated his repeated statements of this isn't for everyone, your story won't look like ours, etc.

About 2 chapters in I recommended someone read it and he started to. But by the time I was about 70% through the book I was regretting I said anything because I knew this other person would not be able to relate.

I think Bob tried to avoid the go frugal, snowball debt conversation but at least for me and those I know, this is exactly the type of thing we need to know to crawl out of debt. Having a blog that got started back in the 2000s when it was much easier, and makes ongoing tons of money is just not plausible for most. I even tried to build a blog for about 7 years, and it just never got anywhere. That wasn't God's plan for me and so relating to him is hard when most people work 9-5 and still can't afford Chipotle.

Anyway, it's a book you can read if you just want to casually read about someone's money mindset AND you are a Christian.

[Literary Reviewer · Rating 4 out of 5]

Bob Lotich shares his story of strength, hope, and faith. Going through this book, readers will respect the author’s work and the lessons that he shares. Bob Lotich lays bare his journey with finances and, in a free-flowing manner, gives direction on how to achieve financial freedom with the resources you have.

I respect that the author does not sell a fantasy tale about money-making. Instead, shares his secrets to success and what has worked for him, giving real-life examples of people who have made it without being given a head start. The primary lesson you get from this book is that you do not have to come from money to be wealthy. Instead, money attracts those that are hungry enough for it.

Simple Money, Rich Life is the book you did not know you needed until you read it. Bob Lotich writes about finances, making money, and how the path you take affects your financial outcome and eventually your lifestyle.

In his book, Bob Lotich starts by discussing his relationship with God. The first chapter is titled ‘The Battle is His, But You Have to Show Up.’ A befitting title for the content inside the chapter. In this chapter, you learn how crucial money is in every setting, how draining having a debt can be, and its impact on your life. I love that the author introduced the religious aspect of things, as it gives readers faith and hopes to trust in God.

Reading Bob Lotich’s book gives readers a sense of realization. His relationship with God is amazing, and his perspective of life is fascinating. Lotich’s words are intriguing and inspire one to take the straight path. Throughout the book, you see the importance of religion as it has been a pillar to the author and his wife and helped him get back up. By the end of the reading, you feel fulfilled spiritually, financially, and socially.

Bob Lotich’s book will enable you to mold yourself to the best version. The author’s gentle words, courteous phrases, and valuable advice are worthwhile. The five critical pieces of advice I have taken from the book are budgeting and having a solid spending structure, debt management, your relationship with God, the significance of family, and making the best financial decisions. I like that the author extensively writes about saving and expounds on how you can save and still enjoy the good things in life. Bob Lotich is pragmatic, making his work stand out; he does not sell illusions.

Simple Money, Rich Life is a financial self-help book for those that want to approach financial security through faith and evidence-based methods. Readers will walk away from this educational book with renewed faith and a feeling that they, too, can reach a stable financial life.

[Cindy Davis- Cindy's Book Corner · Rating 4 out of 5]

When Bob Lotich reached out and asked me to review his book I was a little hesitant. I was at the point where I was not taking a lot of review requests. However, once I realized the topic of his book, I was all in. My husband and I had just talked about our finances, and we were both ready for things to change.

As much as I enjoyed learning how to write cursive and how the Dewey decimal system works, I would argue that knowing how to earn, save, and manage money is essential to almost every human-as important as any subject we learn in school. Yet most of us have received little to no financial education. (emphasis mine)

Having read a few books on financial freedom, I wondered if Lotich had anything new to bring to the table. I was pleasantly surprised at his writing style. It is more of a conversation style, making Simple Money, Rich Life easy to read. It captured my attention from the beginning. I immediately started highlighting notes in the introduction. The introduction explains what the book is and what it is not.

Earn all you can. Save all you can. Give all you can. Enjoy it all.

Lotich introduces the reader to the "simple formula" and then walks us through each step. He includes stories from his life and his friend's lives and things he's learned from books he has read. It keeps the book more interesting, having these stories interspersed and less academic.

I believe the most destructive result of this experiment is far more subtle: the belief that debt is normal. (Lotich's emphasis).

Lotich includes a 21-day kick-start challenge to encourage the reader to apply what they are learning. It is broken down into five challenges, so it is not overwhelming. This is a book to be read and applied, not rushed, to get the full benefit.

This is a Christian book, yet the principles that Lotich introduces are beneficial to all. If reading a "Christian" book is something you prefer not to do, you can skim or skip certain parts (like the chapter on taking a Sabbath rest). Doing so will not detract from the overall benefits of this book. I highly recommend this to anyone who wants a better financial situation. The principles make sense and will work if you are willing to do what needs to be done.

Thank you to the author for the opportunity to review this book. I was not required to provide a positive review. All thoughts and opinions are my own.

★★★★/5

[Brent Furrow · Rating 3 out of 5]

Much of this book is good, except like most Christian authors when it comes to the “giving” chapter, Bob Lotich completely lost me. For starters, giving 10% or 31% or whatever away blindly ignores the social problems created by haphazard giving. Giving a bum standing on a street corner outside a casino money when they’ll blow it on gambling and booze isn’t altruistic—it’s perpetuating bad behavior. Lotich completely ignores the fact that it’s actually the wealthy are the ones who have the purchasing power to buy goods and services, thus giving others the opportunity to honestly earn a living through the God-given skills and talents the Heavenly Father bestowed on them. After all, if the economy implodes because everybody just gave everything away, we would all suffer. If I gave away all of my wealth tomorrow, that would teach my kids irresponsibility by showing them free handouts to others is the reward for sloth, laziness, or lack of ambition (why work when free money comes your way?). It then makes the giver unable to spend their wealth in the community on entertainment, dining out, purchasing new appliances or furniture, buying a new car, building a new home, etc. All of those folks then suffer because I have no purchasing power left. Lotich overlooks the “parable of the talents” and Jesus’ teachings on wise investing, remember it was the servant who “did nothing” that was chastised. Furthermore, the example with R.G. LeTorneau giving 90% of his wealth away falls flat once you discover the dude was worth $31M in 1953 ($350M today). So the guy still had the equivalent of $35M in today’s dollars to live on—I highly doubt he was going hungry at night. All in all, this book is what I’d call “average”.

[Catherine Kabahuma · Rating 5 out of 5]

A Spirit-Led Path to Financial Freedom and Purposeful Living

Simple Money, Rich Life by Bob Lotich is more than just another personal finance book; it’s a refreshing and deeply spiritual guide to achieving financial freedom while living a life of eternal impact. Lotich offers a Biblically rooted, practical roadmap for handling money wisely without losing sight of faith, family, and generosity.

The strength of this book lies in its balance. Lotich combines clear financial strategies; like budgeting, automated saving, debt elimination, and wise investing; with powerful spiritual insights that challenge readers to view money as a tool, not a goal. The tone is gentle yet motivating, and the practical steps are achievable regardless of your income level or background.

One of the book’s most transformative themes is that wealth isn’t just about accumulation—it’s about alignment. Lotich emphasizes that real financial freedom comes when your money reflects your values, your faith, and your long-term vision. Through personal stories, biblical references, and actionable frameworks, he guides you toward building a life that’s rich not just in assets, but in eternal significance.

Whether you’re just starting your financial journey or seeking a more meaningful approach to stewardship, this book meets you where you are; with clarity, grace, and purpose.

Final Takeaway: A rare blend of spiritual depth and financial wisdom, Simple Money, Rich Life inspires readers to steward money intentionally, live generously, and pursue a life of impact that goes beyond the bank account. A must-read for faith-driven changemakers.

[Lily DeWeber · Rating 5 out of 5]

Book Review: Simple Money, Rich Life – 5 Stars

Simple Money, Rich Life by Bob Lotich is an inspiring and encouraging guide to achieving financial freedom without guilt or judgment. Unlike many personal finance books that can feel overwhelming or rigid, Lotich offers a refreshing, grace-filled approach that makes managing money accessible to everyone.

What sets this book apart is its focus on simple, actionable steps to organize finances, plan spending wisely, and cultivate a generous mindset. Lotich’s writing is warm and relatable, making financial principles easy to understand and apply. Instead of promoting extreme frugality or unattainable wealth-building strategies, he emphasizes balance—showing how small, intentional choices can lead to both financial security and a fulfilling life.

One of the book’s greatest strengths is its emphasis on generosity. Lotich presents giving not as an afterthought, but as a key part of financial well-being. At the same time, he encourages readers to enjoy their money—spending without guilt while still planning wisely. His approach is a refreshing reminder that financial responsibility doesn’t mean deprivation; it means making intentional choices that allow for both security and enjoyment.

Overall, Simple Money, Rich Life is an excellent resource for anyone looking to take control of their finances in a practical and uplifting way. Whether you’re just starting out or looking for a fresh perspective, this book provides the tools and motivation to create a life of financial peace, generosity, and joy.

[Darleene]

I have been a huge fan & follower of Bob Lotich, and his lovely & lively wife Linda! I’m so glad Bob decided to compile his thoughts and strategies in an easy-to-understand and implement format. Prosperity, financial freedom and peace are God’s will for our lives and it is totally attainable. I am a huge proponent of financial literacy and creating generation wealth, especially for my kids! However, I am not always the best teacher and I do not profess to know it all. Not only is this book a good roadmap for me to follow for my own benefit, I plan for my children (and grandchildren whenever they arrive!) to reap the benefits of my financial stewardship and wisdom.

Financial hurdles often seem insurmountable but Bob helps you figure some ways out so that you can chip away at your debt while building your legacy. It will take patience, consistency, discipline, and accountability but this book is such an incredible resource that you will find yourself reading it over and over again, and hopefully implementing the strategies! This book would make a great graduation gift, wedding gift, financial literacy group study, family study, book club, or just sharing knowledge and inspiration with friends. Bob also puts his own spin on a few traditional financial strategies that may be easier to implement. This book is a must-have for your financial library!

[Margaret Radigan · Rating 5 out of 5]

I have been following the Lotichs for a couple of years and they have helped me in multiple ways, especially by demystifying financial strategies so that I can increase my financial competence in order to be more confident and successful. I have begun to use their Straight-A strategies (Attention, Automate, Adjust, and Accountability) to gradually become more observant and in control of my spending. In addition, learning how to "automate" (e.g. contributing to my Roth IRA) has been a game changer for me. In their book, they lay it out beautifully: "Smart spending doesn't mean deprivation and penny-pinching. Rather, smart spending gives you the freedom to pursue a rich life by focusing on what you love most. What if you could spend guilt-free on the things you love? What would you be willing to give up so you could make it happen?" This theory encouraged me to write down the life-giving activities/etc that energize me, so that I can focus my energy and money more on those items/events and less on random Amazon purchases. I highly recommend this book!!

[Elizabeth · Rating 4 out of 5]

I first came across this book while doing a YouVersion Bible Plan by the author titled “Passive Income Through a Biblical Lens.” In the plan, they provide a link to receive a copy of the book for free (but the recipient covers the shipping charges).

I really enjoyed the book and looked forward to reading a bit every day. I found it very approachable with some sound financial advice. Although I’ve grown up in a generation of believers that put a lot of stock in Dave Ramsey’s approach to money management, I’ve never felt fully comfortable with that approach. This book has a lot of good ideas to incorporate in whole or in part, but it does highlight a few ideas that reflect more of the 80/20 rule; i.e., that 20% of what you do brings 80% of the results, so they’ll give you more bang for your buck, if you will.

I particularly enjoyed the section on giving titled “Give All You Can.” I was inspired personally, which surprised me given that I worked in ministry fundraising.

I’ve used several of the resources referenced in the book as well. All in all, I think it’s a solid read.

[Cynthia Robbins · Rating 5 out of 5]

I am an eternally grateful for the wisdom shared in this book - the insight, encouragement, recommendations, and practical tools are all invaluable and are helping me so much to see the light at the end of the tunnel and be able to ultimately be a consistently faithful manager of the resources that God has provided me. Prior financial books honestly have not motivated me in the same way, as my personal goals have never been to just be debt free and have as much as possible saved up only for my immediate family for the future. Putting the principles from the Scriptures and the practical recommendations will help me reach these goals, but the end goal of being able to be the most generous giver I can be is so much more inspiring and motivating than just increasing the balances in my Savings acct or 401k. I am so excited to be a manager now and no longer dread thinking about finances. So grateful!