Create a life of freedom and eternal influence by increasing your savings, income, and giving with this optimistic money advice from the creator of SeedTime Money. Bob Lotich had reached his breaking point, broken down and stuck 1,000 miles from home with only $7 in his bank account. He was living paycheck to paycheck, in a dead end job, and was drowning in debt. Bob had been spending his money according to the counsel of the world, and this was the result. He pleaded with God in a desperate attempt to find insight and another strategy. A straightforward four-part formula that was founded on age-old biblical ideas provided the solution, and most importantly, it was effective.