Inside, I’m going to show you the 4-step process that can stop negative, reactive spending habits in their tracks and get you on the path to saving, giving, and enjoying more of your money:

1. *Identifying* the biggest (and messiest) money opportunities with the ‘RFC’ matrix.
2. *Managing* your biggest opportunity with the 80/20 Budget. 
3. *Redirecting* the surplus where you want it to go (practicing JOMO instead of FOMO). 
4.  *Enjoying* the margin you create from decluttering (how to spend more on what brings you joy).



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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.



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DISCLAIMER: Bob Lotich is a financial educator, not a financial/investment advisor. He is sharing his personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Bob Lotich’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor and conduct your own due diligence.

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