Lifetime Access from anywhere

The PO10k course is a self-study course that allows you to complete the lessons at the time that works best for you. Lessons are accessible from any smartphone, tablet, or desktop computer.

What our students say:

“My account has shown currently that I spent over 800 dollars less than this time last month! Even after bills! That’s crazy!”

Taryn F.

“My husband and I are finally in the finances together. We both have a clear picture of our debt, our expenses, and our goals. No pointing fingers or laying blame… supporting each other with understanding and grace TOGETHER! After 15 years of marriage… Amazing! …Because of SeedTime. YOU guys definitely get the credit for this one.”

Martha A.

“My husband and I sat down at the table last night and 2 1/2 hours later we had come up with a workable budget, a debt plan, and a covenant with one another to hold each other accountable… The biggest blessing was that my husband took an active part in creating the budget and there were no screaming matches and no harsh words exchanged…”

Millicent D.

“We’ve cut our overspending down from $1,000/mth to $200/mth (even with less income) and are definitely aiming at $0 by the end of next month.”

PO10K Student

Debt almost destroyed my life

How is it affecting yours? All this debt we've racked up is harming so many areas of our lives:

  • Our Marriages

    As we all know, money fights are one of the biggest stressors on our marriages and they are also one of the leading causes of divorce.

  • Our Joy in Life

    According to a 2007 survey by the American Psychological Association, Money is a leading course of stress for Americans.

  • Our Physical Health

    Multiple studies have found that high debt levels are associated with a wide range of illnesses including ulcers, migraines, high blood pressure and heart attacks.

  • Our Money

    How are we ever supposed to save for retirement or kid's college if we have to pay 15-20% interest charges to Visa and Mastercard?

  • Our Sleep

    A recent study found people will high levels of debt were more than 13 times as likely than low or no-debt people to lose sleep at night.

  • Our Mental Health

    According to MedicalDaily, people in debt are 3 times more likely to suffer from mental health problems vs. those without debt.

The Plan is simple

Our research has found that a simple plan always yields more success than a complicated one. While some of the lessons in the class are advanced little-known strategies, the plan is very simple. In the class there are 3 primary objectives:

  • Show you how to painlessly free up at least $500 in expenses each month (trust me, we will).

  • Help you earn at least an extra $500 each month.

  • Then take that extra $1,000 and show you how to most efficiently use it to pay off your debt.

Course curriculum

    1. Welcome to the class

    2. Download your class overview

    3. Your first challenge

    4. Let's get some results right now with eBay

    5. The only 2 secrets you need to know to pay off your debt and build wealth (Workshop Replay)

    6. 3 enemies to avoid when flipping the gap

    7. Discover your starting point with your AUM

    8. How to handle spousal disagreements about money

    9. How my wife and I came together to tackle our debt

    10. How much are you paying?

    11. The Biblical secret to amplify your progress

    12. How to stay motivated

    1. If you want results, you need to take action

    2. How to use the save $500/month worksheet

    3. Save with the "Stranger Test"

    4. Ask before you buy

    5. How I save hundreds every year using Amazon's Subscribe and Save, while simplifying my life in the process

    6. Get the cheapest cell plan

    7. The easiest way most of us can save thousands of dollars

    8. Shop like normal and let Rakuten save you money

    9. Save $1,000 this year by modifying your TV habit

    10. An almost guaranteed way to save for car owners

    11. How to break your Starbucks habit and save hundreds in the process

    12. How you can save $50/month switching light bulbs

    13. If you have credit cards, you must do this

    14. Your monthly bills are too high - let's fix that

    15. My simple 3-step process for buying anything online

    16. You can do this one in 30 seconds

    17. How much was your income tax refund?

    18. This one only applies to Christians

    19. For you die-hard Target shoppers

    1. You are going to feel like you can't do it

    2. How to use the earn $500/month worksheet

    3. How I made $2,145 in a month by decluttering

    4. Find lost money within 30 seconds

    5. All you need is a computer to be able to do this one

    6. Amazon wants to buy back your purchases

    7. Pet lovers, this is a great one for you

    8. Earn up to $2.50 per minute just by typing

    9. Make up to $35/hour driving your own vehicle

    10. 7 Tips You Can Follow to Get a Pay Raise

    11. Get paid up to $22/hr to deliver groceries

    12. Get paid $30/hour to give feedback on websites

    13. How one part-time eBayer made $50,000 in a year

    14. Make up to $200 per month by donating your Plasma

    15. If you're friendly and have a smartphone, give this one a try

    16. Use your skill and make money teaching others with this website

    1. Starting the payoff process

    2. The Debt Snowball Method (and calculator)

    3. Mastering "The Lag"

    4. How to handle unexpected expenses

    5. Extra Credit: Pause retirement savings

    6. Extra Credit: How I got 0% on all of my credit cards and car loans

    1. Sample Budgets to see how you compare

    2. 5 student loan forgiveness programs

    3. The step-by-step guide to clean and repair your credit report

    4. 6 important tips for handling medical debt

    5. Is debt consolidation a good idea?

    6. Should you pay off your house early?

    7. My never-lose-money-on-a-purchase approach

    8. Extra Credit Exercise: Week-long spending fast

    9. Extra Credit Exercise: Spending Log

    10. Success Story: How this family paid off $120,000 of debt

    11. Success Story: How we paid off $20,000 in less than 9 months

    12. Success Story: Family paying off $130,000 in under 4 years

About this course

  • $297.00
  • 65 lessons
  • 0 hours of video content


Bob Lotich

SeedTime Founder

Bob Lotich is a Certified Educator in Personal Finance (CEPF®), award-winning blogger, and has been named a top 20 social influencer in personal finance. But most importantly he isn't just teaching theory, but it is real life for him. Having lived through significant financial struggles himself (and having come out the other side) he has an understanding of money in the "real world" that most financial gurus can't relate to. Everything he teaches he (and Linda) live out themselves and have proven the concept before sharing with others.

Resource Center

Bonus material included with purchase of the course

  • Debt Payoff Case Studies

    The class contains an ever-growing library of success story interviews with others just like you who have paid off massive amounts of debt. In each one, we find out the juicy details of how they did it! These are people JUST LIKE YOU. Ordinary people who have had success paying off massive amounts of debt. You’ll learn the exact strategies they used and the results they experienced.

  • My Banking Blueprint

    My strategy for organizing our bank accounts. We spent years perfecting our system and this PDF template and bonus lesson shows you exactly how they are laid out and how we use them.

  • Online Business Quick Start Interview

    Exclusive 30-minute interview with Joseph Michael who built a 6-figure online business on the side in just over a year. In the interview, we discuss the keys to getting your business idea off the ground! If you have wanted to start an online business, this is for you!


  • How will this differ from Dave Ramsey's Financial Peace University?

    I love Dave Ramsey's course and in fact, my wife Linda and I took it a few years ago and I have recommended it often. But there are some key differentiators between our course and his. Due to the one-size-fits-all approach of FPU, it is a bit more generalized in the materials, leaving the students to have to figure many things out on their own. Secondly, FPU is a much more general financial course covering a wide range of topics. FPU is a bigger time committment whereas PO10k is a self-study course that you can move through at your own pace. And finally, we have a money-back guarantee, which eliminates all risk to you.

  • What if I am Canadian (or from another country outside of the US)?

    While some of the lessons may only be applicable to those within the US, the majority of the content will work for anyone, especially the concepts and ideas around how to better manage your money - that will work regardless of where you live!

  • How much time will be involved?

    You can take the course at your own pace but if you commit to an hour a night to work through the lessons, I think you'll find that you can get through the course in a couple months.

  • What if I am debt-free (except the mortgage)?

    The principles of the course will work just the same for you - the difference is you'll be able to put the money you earn and save toward paying down your mortgage, saving for retirement or college or any other goals you have!

  • How hard will it be?

    The lessons themselves are not hard. The hardest part will probably be just committing the time and dedicating to the process. Your mindset will probably have to change and you may have to try some things you've never done before. But it will work for you if you put the work in!

  • What if I am limited on time?

    You can still make it work! Just figure out what amount of time you have to dedicate to it and mark it on your calendar as an appointment. Commit to spending 30 minutes a day or whatever it is to the course and you will see yourself making progress. It may take a little longer than if you had more time but you can still complete the course!

100% Money-Back Guarantee

You don’t even need to make up your mind right now. Just go ahead and get the course today, and try it out. Take 30 days and if, for any reason, you are not 100% delighted with the class – and honestly if it hasn’t paid for itself many times over – then simply let us know for a rapid, no hassle, 100% refund. And, just as a way of saying thank you for trying out the class, you get to KEEP the included worksheets and spreadsheets!

BONUS: Feed a child for 2 months

So while you are working hard through the course lessons, you can smile knowing that you will be feeding a starving child on the other side of the world for 2 months. We are partnering with a great organization called Feed My Starving Children and 35% of the profits of every course purchased will be sent directly to feed a child – and not for a day – but for 2 months!