The money book that doesn't make you feel like a failure.
A God-centered money system you can set up in a weekend and keep for life. No guilt, no shame, and no cutting all the fun out of your life until the debt is gone.
Free. Just cover $4.95 shipping. 30-day guarantee.
Over 1,200 five-star reviews on Amazon
100,000+ copies in readers' hands
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Here's what nobody tells you about money
Whether you're behind on bills or you make good money and still wonder where it goes, the root problem is usually the same: 100% of what comes in already has somewhere to go before you've decided anything. So the raise disappears. And at the end of the month you're left wondering where it all went.
This book fixes that with a system that fits on an index card. By the time you finish it, you'll:
- Know where every dollar goes.
Without tracking a single receipt. You budget one category, the one that leaks.
- Feel your next raise.
The Never 100 Rule means 100% of your paycheck never lands in the account you spend from.
- Get on the same page with your spouse.
The money conversation without the money fight.
- Give more and still have money left.
When the bills are paid, there's still something there.
- Stop feeling judged about money.
Handle it God's way without anyone making you feel like a failure for how it's gone so far.
What readers are saying on Amazon
It is the first money-help book that I have read that hasn't made me feel like a total failure.
Reviewed in the United States on April 10, 2024
Format: PaperbackVerified Purchase
This is an extremely rare occasion that I am writing a review for a book. This book was that good.... I loved how short the chapters were encouraging me to want to keep reading. Also, the Kick Start action steps at the end of each section were super helpful.... Thank you so much Bob and Linda for sharing your life and stories with us. My life will never be the same!!
27 people found this helpful
Reviewed in the United States on March 6, 2026
Format: PaperbackVerified Purchase
This book was a game changer for my family's finances. We implemented all of the action tasks throughout and have seen progress in just a short 3 months. It was a very easy read and the free tools have helped keep us organized. I would highly recommend this book if you are serious about changing the way you handle your finances.
One person found this helpful
Reviewed in the United States on January 21, 2025
Format: PaperbackVerified Purchase
If you've ever felt stuck, wondering if financial freedom and wealth just isn't in the cards for you, this is the book for you!!... Bob, (the brain) and Linda (the heart) of this book make financial advice so simple, relatable, and practical!... I'm reading it for the third time, it's so good!... 1000% worth the read!!
6 people found this helpful
Reviewed in the United States on January 6, 2026
Format: PaperbackVerified Purchase
This book should have 10 stars not just 5. I have had financial troubles all my adult life, that I wanted to find a solution to. I have purchased many books on the subject. This book is the FIRST BOOK that I have read that does even more that it says.... PLEASE DO NOT RUSH through this book. Take your time. You deserve it.
Reviewed in the United States on July 10, 2025
Format: PaperbackVerified Purchase
I have read this book a couple of times, and parts of it more. I don't care how many personal finance books you've read, this one is not that. It's simply unlike any other, and much better and more useful... You don't have to be a Christian to benefit from it, but if you are, you will appreciate the way it honors and harmonizes with Biblical principles.
One person found this helpful
Reviewed in the United States on October 6, 2026
Format: KindleVerified Purchase
Most money books are painfully boring to me.... not this one! I LOVED the way this book was written from both Bob and his wife Linda's perspective! It's so fun how they banter back and forth and Linda adds her "two cents" about Bob's stories and perspectives.... A friend told me about SeedTime and this book and I'm SO grateful! I'll be sharing it with many!!
Kind words from people we admire
The enemy has put so many people in bondage when it comes to finances, and Bob and Linda are helping break that.
Who this book is for (and who it's not for)
This is for you if:
- You're behind, or you make a decent income and still feel stuck. Either way, you want out.
- You want God at the center and a plan for what to do on Tuesday.
- You've read the money books and came away feeling worse about yourself.
- Your spouse won't read a money book. (Linda is in every chapter, and she's the spender.)
This is not for you if:
- You want to get rich quick. This is the slow, boring, it-actually-works way.
- You want someone to yell at you about your lattes. We won't.
- You're looking for a formula where giving earns you a return. We don't teach that, and we don't think the Bible does either.
What's the catch?
The book is free. You cover $4.95 for shipping, and that is the only thing you'll pay.
Why would we give a book away? Honest answer: people who read it tend to stick around. Some take one of our courses later. Most just read it, get their money sorted, and hand it to a friend. We're happy either way.
One more thing. When you click the button to grab your copy, you'll see a few optional add-ons you can grab too, if you'd like. One is free, two cost a little extra, and none of them are required.
The exact 14 steps we'd follow if we had to start from zero tomorrow, starting on a $36k salary.
An extra $500 a month without earning a dollar more or giving up the things you love. The 17 moves our students use to find money that's already slipping through their hands.
Every bill paid on time, every month, without you thinking about it. About 15 minutes a month, and it comes with the spreadsheet that does the scheduling for you.
Take them or leave them. The book is free either way.
30-day guarantee: if you don't love it, we refund the $4.95 and you keep the book.
Who's writing to you
I'm Bob. Linda is my wife. She's the spender, I'm the money nerd, and we've run SeedTime together since 2008.
The day before I turned 21, my car died in the middle of the road with $7 in my account and rent due in three hours.
Since then we've paid off about $400,000 the slow way, kept giving the whole time, and passed a million dollars given before I turned 40. God gets the glory for that. Everything we did is in this book, in order, with the steps.
LINDA: I'm the one who asks, "Okay, but what do I actually do tomorrow?" So I'm in every chapter.
Questions you might have
Will I actually read it?
The chapters are short. The average one takes about 8 minutes, and the whole book is about four and a half hours. We've had countless readers tell us they finished it in a day. If you'd rather listen, the audiobook is on Audible.
Is this just another get-out-of-debt plan?
No. Getting out of debt is in there (we paid off about $400,000), but most of the book is about what comes after: a simple system you can keep, giving that becomes fun instead of stressful, and money taking up less space in your head.
I'm not a numbers person. Will this work for me?
Yes. The system is built so you don't have to be. You won't track every dollar. You set a few things up once and let them run.
My spouse won't read a money book.
A lot of couples tell us the spouse who never reads money books read this one. Linda is in every chapter, the chapters are short, and the action steps at the end of each section are easy to do together.
Is this prosperity gospel?
No. Following Jesus for what He can give us is like marrying someone for their money, and we say so in the introduction. This book is about taking good care of what God has already put in your hands, giving generously, and trusting Him for the rest.
I'm a pastor. Can my church use this?
Yes. If you want a full video course with a facilitator guide, that's True Financial Freedom.
What's the 30-day guarantee?
If you don't love it, email us within 30 days and we'll refund the $4.95. You keep the book.
Do you ship outside the U.S.?
Not yet. If you're outside the U.S., the book is on Amazon and Audible wherever you are.
If you've read this far, you already know whether this is for you.
The book is free. Shipping is $4.95. If you don't love it, we refund the $4.95 and you keep the book. That's the whole risk.
Over 1,200 five-star reviews on Amazon