Ever look at your account at the end of the month like...

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"That can't be right..."

Imagine this:

Bills are hitting tomorrow. Your spouse walks in the door with groceries and you ask the dreaded question…

“Did you check our account before you bought all that?”

Over the next few minutes, the collective knot in the pit of your stomach expands as you work up the courage to log into your banking app and see what you’re up against…

Suddenly, you’re feeling VERY motivated to get on top of saving…

To end the month-to-month stress cycle of money magically flying out the window…

And to stop the “miracle math” you need to do between paychecks…

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“Where did that extra $3,960 go?”

You might feel like you’re the only person on the planet that has these struggles…

Like everyone else has this whole “money thing” figured out.

But did you know: nearly 2 of 3 Americans are living paycheck to paycheck?

…it’s not uncommon, it’s an epidemic.

Money is “something you don’t talk about” so we don’t learn about it at home…

It’s often misunderstood as the “root of all evil” so we don’t talk about it at Church…

Or it’s more important to take standardized tests so we were never taught good financial principles in school…

But here’s the thing…

Our God is in the business of freeing people from bondage.

I know that includes the bondage of sin…

But I’m convinced it also includes financial bondage– especially debt…

And it definitely includes being able to walk in the blessing of True Financial Freedom (no longer stressed or mastered by money).

We believe God is willing and able to meet ANYONE who steps up to their financial battle and practices Biblical principles of “Good Stewardship“.

The questions is… what does that look like?

And what are these “Good Stewardship” principles outlined in scripture?

…I’m glad you asked :-)

Introducing...

The “Never 100” Workshop

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​​In this 90 minute workshop, we’ll focus on a key principle we call the “Never 100” rule that will help you play immediate defense against increasing debt.

You’ll also learn about…

Low-stress ways to track your spending…

How to find and plug the ‘leaky holes’ that are eroding your financial freedom

Plus our favorite free app to help you do all of this (mostly) automatically.

By the end of this session, you’ll have practical next steps on which areas of your spending you can reign in for the largest immediate benefit.

You’ll also be challenged to set up an automatic contribution to grow your savings, giving, or retirement each month.

In other words: you’ll be spending less in the wrong places and more in the right places…

So you can finally end the month-to-month money stress once and for all!

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Here’s how to get started…

Just click the link below and enter your details at checkout, and you’ll get immediate access to the “Never 100” Workshop for just $7 today!

As always, you’re covered by my “You Save… or Else” guarantee…

As always, you’re covered by my

“You Save, or Else” guarantee…

If you implement what we show you in this workshop and don’t save at least the price of the workshop in the next month ($7)...

Then I insist you email our support team (lauren[at]seedtime.com) so we can give you a complete and total refund.

Because we believe 100% that these principles WILL change your financial life IF you apply them…

Just like it has for hundreds of other students before you :-)

I feel over all more at ease and more confident about our finances. It’s really encouraging us to find room in our budget for extra payments.

Rachel G.

We have not only stayed in budget but have had a couple hundred dollars left at the end of each month!

Adam K.

With Seedtime, I can not be more delighted!! Bob mentioned it could take three months and we are just settling into a routine now, but with a great sense of peace in the area of our finances for the first time ever!

Catherine W.

It was phenomenal and worth every penny and would recommend to all my friends and beyond thankful to Bob and Linda.

Workshop Student
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Who are we anyway?

I, Bob Lotich, am a Certified Educator in Personal Finance (CEPF®), founder of SeedTime.com, and am a high-performance financial coach.

And Linda is my better, yet more spend-happy, half. And trust me, if I could get her on board with the "Never 100" rule, there is hope for your spouse too ;-)

Together we used the principles in this workshop to pay off over $200k of debt.

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If you want to learn low-stress ways to track your spending…

If you want to find and plug the ‘leaky holes’ that are eroding your financial freedom…

And if you want us to show you how to do all of this (mostly) automatically…

Then you’re going to LOVE the “Never 100” Workshop!

All that’s left is to click below, fill out your details, and get started today:

When is it?

This class is on-demand, so you can take it any time and at your own pace. The session is 90-120 minutes long and you can access the material as soon as you purchase.

Can I bring my spouse or kids?

Yep, feel free to bring anyone in your household. If you would like to bring a larger group, please contact us for discounted group rates.

How is this different than your other courses?

This workshop is part of our True Financial Freedom series which is completely different than our other courses (Real Money Method, 10x Investing, or Pay Off $10k). True Financial Freedom covers a wide variety of topics whereas our courses are very specific to a single topic.

This specific workshop is meant to teach you how to apply our "Never 100" rule to jump start your saving habits. If you like what's inside you can upgrade to the full True Financial Freedom package for a special discount.

Will there be homework?

Yes, there is a short workbook included for you to do a few pre-requisites and then some exercises to follow along with during the workshop.

The whole workshop is meant to be quick and action-oriented so you can start seeing a result, fast!

Will this fix all my financial problems?

No, this is not a magic pill. You'll need to lean in and apply what we're teaching. But remember, you're covered by our guarantee: IF you apply what we teach and don't save AT LEAST the cost of the workshop ($27) then we insist you contact us for a full refund.

The catch here is that there's no way you could do what we teach and not find an extra $27 this month. But, surprise, we want you to actually use what we show you ;-)

Back to the main question... think about this as a great first step in your journey to financial redemption. I can't promise this is the "last financial workshop you'll ever need" -- but it very well could be the wake up call that gets you on the path to financial freedom.

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Save $500 Challenge

On-demand access to 20 of our most powerful money-saving tips – broken up into simple-to-follow videos with ONE simple end goal: plug the holes where you're currently leaking money to save $500/mo.
[[2700 | currency]] [[4700 | currency]]

The (un)Budgeting Guide

Get the cliff notes to the flagship (un)Budgeting method that hundreds of our students have used to save more than they ever thought possible in record time.
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Lifetime access to Never 100 Workshop

Get lifetime access to the Never 100 Workshop.
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