Let me show you what a millionaire school teacher taught me about investing.
A simple system that has helped me 10x several of my investments, pay off my house, and live more generously — even though I knew nothing about investing at first.
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Hi, I'm Bob Lotich. I want to tell you about my investing mentor.
He was a school teacher who didn't start investing until his late 30s. Yet his investing success had made him a multi-millionaire. When I heard his story, I had to know…
What made my mentor different from most people?
I was surprised to find it wasn't what I expected:
He wasn't using a complicated system. He used a simple, long-term approach even a beginner can master.
He wasn't using a get-rich-quick strategy. He used sustainable, God-honoring advice to slowly build his wealth.
He wasn't spending long hours researching. His system takes less than 2 hours to set up.
This goes against so much investing advice we hear every day — but the results spoke for themselves.
Our family's financial life looks nothing like it used to.
No retirement worries
We no longer worry about whether my wife and I will be able to retire someday.
A paid-off house
One of our investments grew enough to wipe out our mortgage — 10 years after my mentor did the same.
Freedom to follow God's call
More freedom to do whatever we feel God calling us to do, without our old financial limits.
$1M given by age 40
We've multiplied what we were entrusted with — and reached a personal goal of giving away $1 million.
How much do you need to invest to reach a million?
Assuming the S&P 500's long-term ~10% average. Time does most of the work.
Most people think becoming a millionaire requires a huge salary, a lucky stock pick, or decades of penny-pinching. It doesn't. It mostly requires consistency and time.
Here's what it actually looks like, starting from $0. Pick a monthly amount you could realistically invest — automatically, every single month — and look at how many years it takes for the market to do the rest of the work for you.
$100/mo
45 years
to $1M
$300/mo
34 years
to $1M
$500/mo
29 years
to $1M
$1,000/mo
23 years
to $1M
Notice what's not on this chart: stock-picking, market-timing, or any "secret" investment. Just a regular contribution, a low-cost index fund, and enough time to let compounding do its job. That's the whole game — and it's exactly what the 10x course walks you through, step by step.
Is it even okay to build wealth in the first place?
I wrestled with this for years. There are verses that can make you nervous about money, and honestly, it held me back for a long time.
But then I started digging through the Bible, and I saw so many wealthy men and women of God who didn't serve money — they served God with money. That's what we're after.
The point of investing isn't building the biggest net worth possible and counting our dollars like Scrooge McDuck. The point is this: how can we multiply what we've been entrusted with, be good stewards of it, and do more for God's kingdom?
Not so we can have more. So we can do more in the Kingdom.
Earn all you can.
Save all you can.
Give all you can.
Enjoy it all.
John Wesley didn't want riches for himself. He wanted to impact the world more with what he'd been entrusted with. That's exactly the heart posture behind 10x.
That's why I created the 10x Investing course.
A step-by-step shortcut so you can skip the years of mistakes most new investors make. Inside, I'll show you:
- Two of the best passive, long-term strategies recommended by billionaire investors — and how to follow them in 10 minutes or less.
- Our strategy for deciding between giving and investing.
- Why anyone (even complete beginners) can 10x their investment in less time than they think.
- How to make your first investment today — with our 7-day roadmap and step-by-step tutorials.
Investing is far simpler than they've led us to believe.
1st investment in ~2 hours
Even if you've never invested a penny, this course is built to have you comfortably investing in 2 hours or less.
Foolproof — anyone can get it
If a middle-schooler can follow it, you can. Successful investing isn't about being smart — it's about doing the simple things consistently.
Set-it-and-forget-it
Willpower not required. Do the work once, build the system, then let it run on autopilot.
No endless research
I've already done the work — and found 3 of the best passive, long-term strategies you can use today.
Start with any amount
It used to be that only the wealthy could invest. Not anymore. Begin with whatever you have.
Down to the buttons to press
Literally — which platforms I recommend and which buttons to click. It could not be any simpler.
"It spoke to fears I'd never articulated and gave me clear action points. I'm really glad I bought this course."
Jessie W. — 10x Student
Seven investing checkpoints — right down to the buttons.
Here's the exact path you'll walk inside 10x — from enrolling to making your first automated investment. No guessing what comes next.
Most people think investing is complicated, risky, and only for the rich.
It's actually simple, boring, and built for ordinary people who stay consistent.
The financial industry profits from your confusion. The more complicated it sounds, the more reasons you have to hand someone else the wheel — and pay them for the privilege. But the strategies that actually build long-term wealth for regular families? They fit on an index card.
Find the path that's right for you.
Each option below contains the same core self-paced course — articles, guides, and step-by-step videos to help you build an investing strategy that's actually yours:
- One that fits your values and goals — so you can multiply what God's given you, based on Kingdom principles.
- Built around your risk tolerance — so you can actually sleep at night without worrying about losing your retirement money.
Each additional tier adds tools, more strategies, or extra support. Pick the level of help that works for you:
10x Essentials
A clear, step-by-step path to your 1st investment
$297
- Your printable 7-day roadmap from knowing nothing to your first $100 invested.
- Two simple billionaire investing strategies, laid out so they're easy to follow.
- The exact platforms I invest with, right down to which buttons to press.
- A quick risk-tolerance assessment so you invest in a way that lets you sleep at night.
- Our approach to balancing investing and giving.
- How to become a millionaire (and roughly how long it'll take you).
- A full year of access (option to add lifetime), plus our 90-day money-back guarantee.
10x Plus
More ideas. Higher potential returns.
$497
Everything in Essentials, plus…
- The stock-picking strategy behind my 27x and 34x returns.
- How to start investing in real estate as a beginner, with as little as $50.
- How, where, and why I buy gold (without getting ripped off).
- My current approach to investing in crypto.
- A list of 50+ of my favorite dividend-paying stocks.
- My Investment Tracker spreadsheet, plus a tutorial for using it.
- Two full years of access (option to add lifetime), plus our 90-day money-back guarantee.
10x Mentorship
Get 1-on-1 feedback from Bob and see (& copy) every investment he owns.
$2,497
for the first year of access
Then $500/year. Cancel anytime. Everything in Plus, plus…
- Direct 1-on-1 access to me. Every week I host live office hours where you can bring me your actual situation and I'll think through the decision with you.
- You see every single investment I own. At least once a year I send members a full report on every investment I own and why, winners and losers included, so you can copy everything I do if you want.
- You hear it the moment I make changes. Any time I buy or sell during the year, you're the first to know, not months later in a report.
- Lifetime access to the course materials, including every future update free. After year one, staying in the mentorship is just $500/year, cancel anytime.
Not a financial advisor. Educational only.
90 days. If you don't love it, we'll refund every cent.
Take the entire course, let it digest, integrate it into your life — and make sure it's really working for you. If it isn't, just send an email. No hoops. We'll even cover the processing fees.
From complete beginners to confident investors.
"A great value for the time and money invested. Terrific for beginners and a refresher for the intermediate investor."
"Amazingly simple to understand. I feel confident I can make the right choice for my life now."
"A course that is hugely needed. I'd recommend it to anyone and be confident it works."
"The simplicity shed light where there was once darkness. I feel empowered to go invest with this newfound knowledge."
"I'm learning so much in so little time. I learned things I thought I'd never understand."
"Excellent strategies that can be used even when you're retired."
More questions? I have answers.
I don't know anything about investing — is this really for me?+
That's exactly who this is built for. I knew nothing when I started. The whole course assumes zero background and walks you through it click-by-click. If you can use email, you can do this.
Don't I need a lot of money to start?+
No. You can get started with as little as $100 (or less in some accounts). The amount matters far less than starting and being consistent — time is the lever, not the size of your first deposit.
Isn't investing basically gambling / too risky?+
Gambling is betting on a single outcome in the short term. Long-term investing in a broad, low-cost index fund is the opposite — you own tiny pieces of hundreds of the largest companies and let decades of compounding do the work. Different game entirely.
Can't I just save my way to financial freedom?+
Saving alone almost never gets there because inflation quietly eats your dollars every year. Investing is what lets your money grow faster than inflation — it's the difference between treading water and actually moving forward.
I'm getting a late start — is it too late for me?+
No, but I'll be honest with you: the less time you have, the LESS risk you can afford to take, not more. Late starters who try to swing for the fences usually make things worse. The course shows you the wiser path — do the best you can from where you are, free up more to invest, and let consistency carry you.
Will you just tell me what to buy?+
I won't — and that's on purpose. The right investment depends on YOUR timeline, obligations, and risk tolerance, not mine. The course teaches you how to figure out what's right for you, so you're never dependent on a guru's hot tip again. More on why here.
Isn't the stock market about to crash?+
Maybe. Nobody knows. What we DO know is that the market has gone up and to the right over every long stretch of history, through wars, recessions, and panics. The people who win aren't the ones who time it perfectly — they're the ones who keep investing through the noise.
Is it wrong / unspiritual to want to build wealth?+
Not at all. The Bible has a LOT to say about wise stewardship and multiplying what you've been entrusted with. The question isn't whether to build wealth — it's why. We invest so we can give more, serve more, and do more in the Kingdom.
When does the course start?+
Immediately. It's self-study, so you can take it any time — on your schedule.
Does it work on Mac, PC, phone, tablet?+
All of the above. Any device with a browser.
Does this work outside the U.S.?+
Short answer: yes. The course is strategy- and principle-based. Students join from dozens of countries.
Can I gift the course?+
Absolutely — purchase it and email lauren@seedtime.com for a printable gift certificate.
Do videos have closed captions?+
Yes, every video lesson has a closed-captioning option.
The one thing no one talks about
Time does the heavy lifting — if you let it.
The best moment to start was years ago. The next best moment is today.
Ready to learn the secrets my millionaire mentor taught me?
We'd consider it an honor to help you on your financial journey.