Money Plan SOS

Money Plan SOS
Helping you pay attention - not interest

What People Learned About Money By Blogging About Money
Sep 23, 2015 • 30 min
#200: The MoneyPlan SOS podcast is now retired with this final episode. It was recorded LIVE at FinCon15 with nine bloggers who learned about money while blogging about money. _______________________________________________ In this final episode, I…
Is Giving a Tithe Mandatory? Chris Brown from True Stewardship
Sep 3, 2015 • 37 min
#199: Is tithing mandatory for Christians? Chris Brown and I discuss this to get to the root of the problem - which has little to do with ten percent. Chris Brown has been a pastor for several years, speaking to congregations and audiences all over…
The 8 Great Mistakes of Investing. Also, Fractional Savings Accounts
Aug 28, 2015 • 68 min
#198: OG (aka The Other Guy from Stacking Benjamins) joins me to share the 8 Great Mistakes in Investing Full show notes at The 8 Great Mistakes of Investing are: Under-diversification Over-diversification Euphoria …
Matt Ham has Redefined Rich
Aug 20, 2015 • 57 min
#197: Matt Ham is an author, speaker, and small business owner. Five words uttered by a nurse changed the way he looks at life - and inspired him to redefine rich. Full notes with links at Takeaways from this interview: It’s not how much…
The Ins-and-Outs of Robo-Investing - Interview with Jon Stein
Aug 13, 2015 • 55 min
#196: Jon Stein from Betterment and I discuss robo-advisors, why Betterment is so different, and what it takes to open an account. Use to receive 30 days FEE FREE investing at Betterment Full show notes at …
Less Taxes, More Money In Your Paycheck - Running a mid-year tax return can improve your cashflow
Aug 6, 2015 • 34 min
#195: Do you know why stories of people with $.32 refund checks are in the news? Because they are so rare! Most people want to get a big tax refund. Getting a huge refund is an extremely inefficient use of money - both for you and for the…
Ace Chapman Says Skip The Startup and Buy a Business
Jul 30, 2015 • 50 min
#194: Although he has an entrepreneur’s heart, Ace doesn’t believe anybody should start their own business. It is much easier and profitable to buy an existing business, improve it, and sell it for a profit. Full notes at…
What You Need To Know About Self-Directed IRA’s
Jul 23, 2015 • 51 min
#193: Many people are being lured by the attractiveness of directing their own retirement plans. The trick is to do it right and have an asset, business, or income-producing entity that makes sense for YOUR retirement planning. Kirk Chisholm is a…
Interview with The Vault Key and I Can’t Live Without My Smartphone
Jul 16, 2015 • 33 min
#192: Kai and I have something in common: We both left the comfort of a regular paycheck to focus on helping others with their personal finances. In our conversation we discuss: How much responsibility we place on financial literacy The truth about…
Summer Jobs for Teachers and Destination Debt Freedom
Jul 9, 2015 • 47 min
Heather van der Hoop from comes on the show to offer these suggestions for creating an income - and many of them involve stretching your boundaries as a teacher. Also: The Top 10 Financial Oxymorons Full show notes can be found at…
Inflation-Induced Debt Destruction with Jason Hartman
Jul 2, 2015 • 66 min
#190: Jason Hartman only wants mortgage debt - and he will take out as much as he possibly can. Full show notes at Jason Hartman has been investing since he was 20 years old and learned how inflation is the enemy of home equity but the…
Which Half-Glass Investor Are You?
Jun 25, 2015 • 37 min
#189: Are you a Pessimist or Opportunist? Take this quiz to find out! Full notes at Topics covered in this episode: Pessimists, Opportunists, and the Half-Glass Investor Quiz How a GOOD credit score is all you need Ponda from…
A Pleasant Conversation With The Angry Grad
Jun 20, 2015 • 48 min
#188: Leah Bell shares her story of growing $32k in student loan debt - and why it makes her angry! Upcoming webinars: July 1st: Get more out of your money by Spending Our Values June 23rd: Premium Podcast Player…
How Credit Cards Make Money - ON YOU!
Jun 5, 2015 • 36 min
#187: An informed consumer is a better consumer. This episode will show how Credit Cards make money from processing fees. I also give a few tips for reducing fees and a new way to send a friend money for free. Full notes at …
Being Phroogal on the Road to Financial Wellness
May 29, 2015 • 35 min
#186: What could be better than taking a 30-day journey across the U.S. in a van? Full notes at Jason Vitug from Phroogal is leaving for a 30 day journey throughout the U.S. to promote financial wellness. Visit…
Protected but not Immune to Card Fraud
May 21, 2015 • 41 min
#185: It’s impossible to be immune to card fraud, but you can reduce the opportunities of being a victim. In this episode I share steps you can take to use your Debit card responsibly and reduce the chance someone will steal your card. More…
What makes ID Theft companies worth the cost?
May 7, 2015 • 26 min
#184: Identity theft is no joke - and it’s on the rise! Should you pay for monitoring? Full show notes at Keith Bunn of compared four companies to see if their services are worth the cost. Also in this…
YNAB vs EveryDollar Comparison
Apr 16, 2015 • 53 min
#183: Dave Ramsey announced his new budgeting software - EveryDollar. It is awesome - and have many similar features to YNAB (You Need A Budget). Which premium budgeting software is best for you? Let’s compare the different features and methods to…
One Page Financial Plans and Cocktail Napkins - Interview with Carl Richards
Apr 8, 2015 • 44 min
#182: Carl Richards was a ditch-digger, fell into a securities job, became a Certified Financial Planner, then became the Sketch Guy at the New York Times by drawing financial concepts on paper napkins. He released his second book, the One Page…
Money Plan SOS ON FIRE with Joseph Michael
Mar 31, 2015 • 21 min
#181: Joseph Michael is an average guy who saw a need and is now making 6-figures helping writers solve a problem. They love to use Scrivener - an incredible writing and organization tool - but had a hard time figuring out how to use it efficiently….
Dan Miller, helping people find the work they love for 10 years
Mar 25, 2015 • 38 min
#180: The year 2015 marks the celebrates the 10th anniversary of Dan Miller’s life-changing book “48 Days To The Work You Love”. He joins me in a conversation about resumes, extra curricular activities, and creating your own career from nothing. Also,…
We’re talking #BitCoin with @OpenBazaar (2015)
Mar 18, 2015 • 56 min
#179: What is BitCoin, how does it work and how can we get some? Brian Hoffman from joins us to talk about this new payment option that will change the way we spend money - literally! Full show notes at
Spiritual Beliefs and our Behavior with Money (Interview with Joan Sotkin)
Mar 12, 2015 • 59 min
#178: Joan Sotkin has been through market upswings and personal bankruptcies - and she sees things as opportunities, not failures. You can find out more about Joan at Full show notes can be read at
When She Makes More: Interview with Farnoosh Torabi
Feb 17, 2015 • 40 min
#177: Farnoosh Torabi is known for contributing to The Today Show and Money Magazine as well starting her own podcast - So Money. But today we are having a conversation with her about her most recent book: “When She Makes More: 10 Rules for Breadwinning…
Divorce-proof your marriage with more conversation, less bling
Feb 2, 2015 • 51 min
#176: Derek and Carrie Olsen help us discover if a marriage can survive a foreclosure. Full show notes with links at
Debt Free Testimonies from the Gruetmans and Browns
Jan 27, 2015 • 53 min
#175: The Greutmans are debt free and now employ Americans to run their small business - The Browns just paid off their HOUSE! What are they most excited about? Listen to the testimonies of two families with different reasons for killing…
Happy New “You” Year (2015)
Jan 7, 2015 • 53 min
#174: UPDATE: Even bigger changes came since releasing this episode in 2015. In short: My business failed to grow but a new one EXPLODED in the first half of 2016. You can see what I’m doing now at …
Businesses offer more savings by asking Debit or Credit
Dec 22, 2014 • 28 min
#173: The sign on their front door says: “No Credit Cards”. How can such a large chain exist without accepting credit cards? Clint Woodman, Vice President of Woodman’s Food Market, shares the business side of accepting credit cards as a business and why…
15 Year-end Tax Tips - Conversation with John Beidel
Dec 12, 2014 • 53 min
#172: Tax specialist, John Beidel, joins me in a discussion about 15 Year-end Tax Saving Tips - an article from Try Betterment for 30 days when using For more information, visit the show notes at
Retirement Limits for 2015 and the Debtors Anonymous Quiz
Dec 4, 2014 • 35 min
#171: New retirement contribution and income limits for 2015 have been released by the IRS. Take the Debtor’s Anonymous Quiz - 15 questions to help identify compulsive debtors. The perfect credit score has been achieved. How much will it cost…
9 Ways To Curb An Addiction To Shopping
Nov 20, 2014 • 41 min
#170: I’m answering listener emails: Patti emailed her concerns about “filling a void” by purchasing things she doesn’t need and I answer the question ”Should I pay off my $55k mortgage with savings?” For more information, visit the show notes…
Financial Rules, Frugal Decisions, and Henry Rollins tells a debt free story
Nov 6, 2014 • 35 min
#169: Henry Rollins tells a debt free story. In the episode titled “10 things you don’t know about the almighty dollar” he tells a debt free story about America. It appears that Andrew Jackson was the first and only President to pay off all…
Looking Back at 30 Years of Purposeful Spending
Oct 30, 2014 • 38 min
#168: John Pugliano has more than 30 years of purposeful purchases behind him. Full show notes at His wife was able to stay home with all 6 kids while he focused on his career. He retired early and has been able to help others learn how to…
A simpler and fair solution to taxes
Oct 24, 2014 • 55 min
#167: Is it possible to have a simple and fair solution to the US tax code? Yes, it’s called the FairTax. 105 years ago the 16th Amendment was passed allowing the US Government to levy an income tax on corporations. Somewhere along the way things…
How can Dave Ramsey’s advice be dangerous to his listeners?
Oct 16, 2014 • 71 min
#166: Listen to my debate with Joshua Sheats from Radical Personal Finance on various financial topics he deems to be dangerous to Dave Ramsey Show listeners. Links mentioned in this episode: Post: Book: Episode: Joshua’s plan…
What should I do with my old 401k?
Oct 9, 2014 • 29 min
#165: Lisa left her job for another. She could have rolled her old 401k into the new plan, but she wanted more options. Full show notes and resources at What should I do with my old 401k? Lisa Emperador is a young professional who changed…
Facts about FICO and the truth behind the Credit Score Industry
Oct 1, 2014 • 42 min
#164: Even though FICO is celebrating 25 years as a publicly traded company, this is their very first audio interview. We are going to hammer out the clear and correct information about FICO and the credit scoring industry. Anthony Sprauve, Director…
Save Money on your iPhone and Cellphone Bill with Rey Brown
Sep 24, 2014 • 46 min
#163: Rey Brown explains how the cell phone industry works and gives suggestions for saving money on a new plan. A full list of resources can be found at
How to have Rich Kids, with Tom Corley
Sep 11, 2014 • 42 min
#162: Tom Corley, author of Rich Habits, releases his new book Rich Kids. What are 5 activities that will guarantee your kids will avoid a life of poverty? What are the three paths to wealth? Are sports better than after-school activities? Listen to…
Squirrel Away Your Change With Acorns App
Aug 28, 2014 • 40 min
#161: What if you could invest your loose change at the end of the day? Now you can with Acorns. Acorns is an app taking advantage of new technologies and less expensive investment fees to allow anyone to start investing in ETFs from Blackrock,…
Biggest Credit Score Myths and #ALSIceBucketChallenge
Aug 21, 2014 • 31 min
#160: You can’t turn on the TV or have a conversation with someone about money without the subject of credit scores coming up. With all that awareness you would think that everyone would have a basic understanding of how credit works. Unfortunately,…
Steps to buying a cash car with James Kinson
Aug 6, 2014 • 28 min
#159: The first 6 steps to buying a cash car are laid out by James Kinson, the Cash Car Convert. He helps everyday Americans kick auto debt to the curb and make smart buying decisions when it comes to automobiles. For more information, visit the show…
Debit Card is Stolen? Real life stories from five victims - and why you don’t need to freak out!
Jul 21, 2014 • 33 min
#158: It is inevitable: Your debit card will be compromised some day. What happens when my debit card is stolen? Money will be taken out of your account Your bank may call you or you must call your bank when you find out The Zero Liability Policy…
Debt Freedom helped John Lee Dumas launch Entrepreneur On Fire
Jun 29, 2014 • 27 min
#157: How was John Lee Dumas able to start Entrepreneur On Fire without ANY income for 9 months? John tells us how in this exclusive interview about how successful people spend money. Also, Suze Orman’s Preferred Debit Card is no more and PerkStreet…
How to Travel without Credit Cards
Jun 16, 2014 • 19 min
#156: Would you like to know how we paid for our vacation at a horse ranch without credit cards? It’s easy: We prepaid for our travel expenses with a debit card, prepaid for the week at a horse ranch by check, and paid cash for the rest. Oh, and we…
10 Ways To Pay Attention To Money
May 28, 2014 • 25 min
#155: How much attention do you really need to give to managing personal finances? Here are 10 ways we pay attention to our money - and most of it doesn’t involve a lot of time: Always: Check remaining budget balances before spending….
10 Steps to Improve Attention and Cash Flow
May 15, 2014 • 17 min
#154: It had been a hectic morning. I recorded two interviews before leaving for the airport but I made it to the terminal with plenty of time. About 100 passengers ahead of me were being rushed as their flights were affected by weather but…
Debt Snowball Methods, and The Secret Credit Card Companies Don’t Want You To Know
May 1, 2014 • 16 min
#153: 3 Debt Elimination Strategies that WORK! Any one of these debt elimination plans will work if you work the plan: Debt Snowball: Pay extra on the debt with the smallest balance. Debt Avalanche: Pay extra on the debt with the highest…
Interview with Rachel Cruze, author of Smart Money Smart Kids
Apr 17, 2014 • 27 min
#152: Rachel Cruze is a speaker, debt-free evangelist, part-time co-host of the Dave Ramsey show, known for being the inspiration behind the book “Careless at the Carnival”, and is soon to be a NYTimes best selling author for a book to be released…
Blown Engine to Creating Independence - Interview with Kraig Mathias
Apr 10, 2014 • 34 min
#151: Kraig Mathias began his journey to debt freedom after blowing the engine on his car on a cross-country road trip. We geek out over the math behind his car debt, then get inspired from his journey from debt freedom to creating independence….
Top 5 Ways To Pay Off Your Mortgage Early
Mar 31, 2014 • 59 min
HAPPY APRIL FOOLS DAY! I’m not here in this episode - I’ve commandeered three other shows that are not my own. Here’s where I am today: where I turn the tables on Jared Easley and interview him on his own show! On…
Lies We Tell Ourselves To Keep Our Credit Cards
Mar 28, 2014 • 25 min
#149: People love their credit cards. Why? They aren’t valuable. They can’t be traded or sold. And they cost people a lot of money and often their freedom. I’ve been separated from my credit cards for over seven years and can tell you: I don’t…
Habits of the Rich: Interview with Tom Corley
Mar 19, 2014 • 28 min
#148: The Daily Success Habits of Wealthy Individuals. Tom Corley joins me for a discussion about the habits of the rich. We also learn the 4 things that can make you un-fireable. A short list of Rich Habits: Tom Corley published a number…
Are you Financially Smarter than a Millennial?
Mar 13, 2014 • 25 min
#147: A new study released by FINRA reveals only 18% of millennials are able to correctly answer 4 out of 5 questions about finance. Links mentioned in the show: FINRA releases results of study:…
Redefining Retirement: Interview with Mitch Anthony
Mar 6, 2014 • 25 min
#146: Mitch Anthony joins me in a discussion about redefining retirement. His book, , helps us understand this relatively new word. Resources can be found at
Five Ways To Reduce Financial Stress
Feb 20, 2014 • 14 min
#145: Money can cause us to experience a large number of unnecessary anxieties. A number of things can help alleviate a majority of worries when it comes to money and finances. In this episode I give you five ways to reduce financial stress and make…
Tax Deductions you want (and 3 you DON’T!)
Feb 11, 2014 • 25 min
#144: The sole benefit of Federal form Schedule A is to give us the opportunity to keep more of our hard-earned money. These are commonly referred to as “itemized deductions.” These are the tax deductions you want, and 3 you don’t. For the…
What happens to my credit score after paying off debt?
Feb 6, 2014 • 22 min
#143: What happens to my credit score after paying off debt? In this episode I share survey results that show debt-free people aren’t worried about their credit score. FICO says what’s in your credit score FICO says your credit score is based…
This Teen’s Got Cents - Eva Baker, 17yr old blogger
Jan 30, 2014 • 30 min
#142: This 17 year old has got some sense! Eva Baker started a personal finance blog at and is learning a lot about how money really works. This will benefit her greatly when she strikes out in this world and makes her…
How We Doubled our Net Worth - and YOU CAN TOO!
Jan 16, 2014 • 17 min
Before starting our debt-free journey we had $176,000 in retirement accounts but our net worth was only $74,000. What’s our secret for doubling our net worth in 8 years? We followed Dave Ramsey’s advice: We got on a budget. stopped borrowing money, paid…
Creditors Behaving Badly
Jan 10, 2014 • 26 min
#140: Wendy had her credit card debt discharged when a collector broke the law. You have rights under the Fair Debt Collection Practices Act. Listen to Wendy’s story and how she was legally able to discharge a debt she owed. For more…
Making my obsession my occupation in 2014
Jan 2, 2014 • 21 min
UPDATE: I didn’t quite make it in 2014. Listen to my goals from 2 years prior to going pro with Financial Coaching. Full list of resources at
Medi-Share Health Insurance Coverage (2014)
Dec 26, 2013 • 25 min
#138: Are you covered by Health Insurance? It’s the law, at least it will be in 2014. Medi-Share is a faith-based option that complies with the Affordable Care Act. Tony Meggs is the President and CEO of Christian Care Ministries. One of the best…
Paying Attention Is More Important Than Talent
Dec 19, 2013 • 15 min
#137: Paying attention to our money, physical health, career, family, etc. allows us to reach our goals. Paying attention can be more important than talent and is second only to desire. Why paying attention is so important: Paying attention…
How to Talk to Aging Parents about Money Problems
Dec 12, 2013 • 16 min
How do you talk to your parents about their money problems? When visiting with aging parents this holiday season, look for signals or cues for the inroads to talk with your parents about their money problems. It’s not comfortable, it certainly won’t be…
Why Credit Cards Are Against My Religion
Dec 4, 2013 • 23 min
#135: Credit cards are against my religion. I shared my beliefs in a webinar on October 3rd. Only a handful of people have watched the video, which I understand; it was an hour long and you have better things to do. But there are other reasons I am…
7 Common Denominators Of The Wealthy
Nov 26, 2013 • 18 min
#134: Thomas Stanley found several common denominators when he studied the wealth. Extras: In this episode I feature some of the conversations I had with Pat Flynn from and Dustin Hartzler from Good…
5 Ways To Save Money In December
Nov 20, 2013 • 10 min
#133: The holidays are upon us. The year is almost over. Like it or not, the winter season is in full gear and more money changes hands in December than at any other time. It’s also the best time of the year. College students come home for the…
How To Pay for Things With Cash: An FPU Graduate’s Testimony
Nov 14, 2013 • 18 min
#132: How To Pay for Things With Cash: An FPU Graduate’s Testimony Financial Peace University is a 9-week course taught on DVD by nationally syndicated radio host Dave Ramsey. The class covers everything from how to control spending with a budget to…
Financial Lessons That Stand The Test Of Time
Nov 7, 2013 • 12 min
#131: It takes a lifetime to learn how money works. With the speed of change, the creation of new financial products and an overabundance of data that can be reached simply by tapping on your iPhone, you would think there are many things I was taught…
The Most Powerful Payment Option is __________
Oct 31, 2013 • 33 min
#130: The greatest tool that lets us live on less than we make is an option that has been around for ages: CASH. And it’s not going away any time soon. The awesome benefits of paying with cash will make your budget go farther… Read more at
FinCon13 Game Show recorded live from St. Louis
Oct 23, 2013 • 26 min
#129: LIVE from the FinCon Expo - find out if you know more about money and investing than financial bloggers. This show was recorded live at #FinCon13 in St. Louis on October 19, 2013. Personal Finance Bloggers competed for prizes by answering a…
About Medi-share. Also, Dissecting Cardmember Services
Oct 15, 2013 • 28 min
#128: Bob Lotich, Founder of (now, has been a customer of Medi-Share for over four years. He shares the moments when he used them and how much Medi-Share saved him money when he broke his hand. What is Medi-share…
Trickle-down Effect For Your Savings Buckets
Oct 9, 2013 • 27 min
#127: Where should I save my emergency fund? Should I begin with investing or put money away for my kids? These are the questions of a young couple that wanted to make sure they were saving money in the right places. This episode will give you a clear…
4 Steps to Get Away from Credit Cards Forever!
Oct 2, 2013 • 27 min
#126: How To Get Away From Credit Card Debt Forever. These 4 Steps slowly weens you away from your dependency on credit cards. The old rules about credit cards no longer exist How long have we been hearing that debit cards are not as safe as credit…
1, 2, or 5 Talents: God Wants You To Be Rich
Sep 24, 2013 • 22 min
#125: God wants you to be rich. How do I know? Because Jesus died to pay our debts - so at least we all get to start with a net worth of zero! Also, Jesus also told us the Parable of the Talents. It’s a story of a rich man that went away and left a…
4 Steps To Making Smart Purchasing Decisions
Sep 13, 2013 • 20 min
#124: There are 4 steps to help make smart purchasing decisions. Being responsible with your money is very important when trying to get out of debt. We all want our money to go as far as it can and wasting money isn’t being responsible money…
1-2-3: Three Budgeting Processes that WORK
Sep 6, 2013 • 28 min
#123: CBS news reported that 76% of American households are living paycheck to paycheck. Less than half have three months of worth savings. We are sending our kids to college with no money and over a trillion dollars of outstanding…
Can You Really Retire Early? Featuring Dividend Mantra and Kraig Mathias
Aug 29, 2013 • 51 min
#122: What does it take to retire early? Saving a ton of money now and/or building a business that will provide you with a stream of income are two ways to make it happen! The DividendMantra, Jason Fieber, and Kraig Mathias from…
Equifax Got Sued, Jeff Rose’s Soldier Of Finance, and No Free Lunch
Aug 21, 2013 • 28 min
#121: Equifax got sued, Jeff Rose talks about his new book “Soldier of Finance”, and there’s not such thing as a free lunch. Jeff Rose is on a Roll Jeff and his blogger-wife Mandy have just released a new podcast geared towards bloggers and online…
What Happened To PerkStreet?
Aug 14, 2013 • 19 min
#120: PerkStreet closed its doors in 2013. Listen to an exclusive interview with PerksStreet CEO, Dan O’Malley about what happened to PerkStreet, what happens to our money, and what about the Perks? One of my soldiers is down: PerkStreet was that…
The Real Cost to be a Stay At Home Mom
Aug 7, 2013 • 26 min
#119: Our culture is so material-driven that it keeps many of us in jobs we hate, stressed out to the point that it is unhealthy, and disconnected from our own families. The position of “Stay At Home Mom” has been eliminated in order to…
Stay in your Investing Seat! How baseball and Investing are the same
Jul 31, 2013 • 23 min
#118: The Wall Street Journal released an article that shows the average 3 hour major league baseball game averages only 18 minutes of actual actions. That means there is absolutely nothing happening 90 percent of the time. Those 18 minutes contain…
Baby Step 7: Build Wealth and Leave a Legacy
Jul 23, 2013 • 40 min
#117: Dave Ramsey’s 7th Baby Step is to Build Wealth and Give. If you’ve been following each step then you have absolutely no debt, even the house, and you have more than three months worth of expenses in savings. I believe there is more to BS7 and it…
Baby Step 6: Pay off the house
Jul 17, 2013 • 23 min
#116: Paying off the house early is Dave Ramsey’s Baby Step #6 UPDATE: We paid our house off in December 2015. Why should you pay off the house early? Owning a home free-and-clear means you don’t pay rent or a monthly mortgage payment - you have no…
Baby Step 5 with Rachel Cruze: Save For Kid’s College
Jul 9, 2013 • 27 min
#115: Special guest Rachel Cruze discusses ways to pay for kid’s college as we talk about Dave Ramsey’s Baby Step 5. Baby Step #5 is to save for kid’s college. Once we have gotten ourselves out of debt and started to save 15% in retirement it is time…
Baby Step 4: Invest 15% for retirement
Jun 27, 2013
#114: Dave Ramsey’s 4th Baby Step is to invest 15% for retirement. This brings you half way through a complete Total Money Makeover - and the rest is pretty easy. Baby Step 4: The Easiest Baby Step Dave Ramsey’s BS4 is to invest 15% for retirement
Baby Step 3: Save 3-6 Months of Expenses
Jun 20, 2013 • 20 min
#113: Baby Step 3: Save 3-6 Months Of Expenses. Dave Ramsey’s third Baby Step is to create a fully-funded emergency fund equal to three to six times your average monthly expenses. Why? Emergencies come in many shapes and sizes Car troubles (repairs,…
Baby Step 2: The Debt Snowball Method
Jun 12, 2013 • 19 min
#112: This is Week 2 in the 7 week series of Dave Ramsey’s Baby Steps to Financial Peace. Last week I talked briefly about Baby Step 1: Build a $1,000 starter emergency fund. Baby Step #2 is to pay off all consumer debt using the Debt Snowball Method….
Andres Gutierrez: From ELP to El Machete
Jun 5, 2013 • 40 min
#111: From ELP to El Machete, Andres Gutierrez is the voice of Financial Peace for the Hispanic community. Andres has been helping people with their finances for the past decade but it wasn’t until 2009 that he became “The Hispanic Dave Ramsey” with…
10 financial products Debt Free people must have
May 30, 2013 • 16 min
#110: What are the top 10 financial products debt free people must have? Over the past 50 years our society has invented thousands of financial products: Credit cards, hedge funds, and the inappropriately named “”. The most…
Dave Ramsey says saving 100 a month can make you a millionaire!
May 15, 2013 • 26 min
#109: Dave Ramsey Tweeted “Saving 100 dollars per month from age 25 to age 65 at 12 percent growth will turn into 1.176 million dollars This Tweet caused a lot of uproar in the financial community. To get to the bottom of this OG from the Stacking…
Emergency Funds: How Much You Should Have Saved?
May 9, 2013 • 24 min
#108: Do you know how much you should have in an Emergency Fund? Dave Ramsey recommends having a 3 to 6 month worth of liquid savings in case the unthinkable were to happen. Serious illness, sudden loss of income, or expensive unpredictable events can…
Money For Sale! (How money and debt really works!)
May 1, 2013 • 14 min
#107: Get it while it’s hot! Banks and lenders are offering to sell us money everywhere – and they are telling us it’s cheap! The marketing around selling debt is more prevalent than ever before. Try turning on the TV or driving down the road…
Paying for a Speeding Ticket with Emergency Savings
Apr 23, 2013 • 13 min
#106: Have you ever had one of those weeks when everything went wrong? I’m having one and it might just cause me to pay for my speeding ticket with emergency savings. This week’s mishaps: Our stupid backyard fence needed repair My laptop battery…
Buy Your Next Car From The Joneses
Apr 18, 2013 • 17 min
#105: We bought my wife’s last vehicle from the Joneses. You’ve heard of the Joneses. They have all the freshest gadgets, the most fashionable clothes, and drive the newest vehicles. You can get an excellent bargain if you buy your next car from the…
Teaching Kids About Work and Money with
Apr 10, 2013 • 33 min
#104: Gregg Murset, Founder and CEO of, believes teaching children early and often is the best way for them to learn how money really works. He should know, he has six children between the ages of 5 and 15! Teaching Kids…
4 New Perspectives For Your Money
Mar 31, 2013 • 24 min
#103: Car payments, mortgage interest deductions, the morality of money, and who has control of your money: This episode addresses these popular financial topics and we give you a new perspective. Today’s show is brought to you from Jon White, my pal…
Who are the people who don’t need to budget?
Mar 22, 2013 • 18 min
#102: Many people can get by without ever doing a budget. Do you qualify as a person that doesn’t have to go through this seemingly painful process? The Rich (Financially Independent) Thomas Stanley wrote a book called The Millionaire Next Door. He…
Money 101: Where money and debt came from
Mar 14, 2013 • 23 min
#101: Have you ever considered where money came from? The basics of all things finance lays in the concept of a centralized currency with variable purchase power. The great news is that it’s a very simple subject, but it has morphed into this horrible…
Financial Inspiration from listeners and special guest Timm Etters
Mar 7, 2013 • 60 min
#100!!! Timm Etters joins me in sharing listener’s inspirational stories and quotes in the 100th episode of the MoneyPlan SOS podcast! I also share one of the inspirational people in my life, my best friend Timm. For more about Timm…
Getting Ready For Zero Debt with Ready for Zero
Feb 27, 2013 • 26 min
#99: UPDATE! Ready for Zero has retired, but the idea they put forth changed my mind about the Debt Avalanche. Ben from Ready For Zero (now owned by Avant) joins me in a conversation about the #1 reason a Debt Avalanche method could actually work…
Zillow Shares Ways to Avoid Pitfalls When Buying A Home
Feb 19, 2013 • 34 min
#98: Erin Lantz from joins me to share ways to avoid lending pitfalls that can prevent you from buying a house. More information can be found at
Could you recover from being married to an addict? Interview with Mandy Knight
Feb 13, 2013 • 28 min
#97: How much does someone’s past affect your relationship? Do you see someone’s past failures as a problem or see them as exercises for personal growth? What if that failure was an addiction? Would you make the same decision Mandy did? Blogger,…
The Incredible Similarities between Financial Wealth and Physical Health
Feb 5, 2013 • 9 min
#96: There is a direct correlation between Personal Finance and Physical Fitness. Currency and calories, consumerism and consumption - they all affect how rich and fit we will become. For more information, visit the show notes at
Credit Card Surcharges and Responsible Practices for Debit Card Users
Jan 31, 2013 • 27 min
#95: Purchases are more expensive when we use credit cards. A proposed change to Visa and MasterCard regulations may remove restrictions on vendors and businesses - allowing them to add a surcharge fee when customers pay with a credit card. This fee…
Understanding The Federal 1040 Tax Form
Jan 25, 2013 • 23 min
#94: Today I break down the tax return Form-1040 into sections to help us better understand what we need - and why we need it. Income tax returns can be difficult. Breaking the 1040 down into sections helped me to understand it better. For full show…
Why Your Paycheck is Smaller (and the recent Payroll Tax Cuts)
Jan 19, 2013 • 25 min
#93: Congress averted the Fiscal Cliff. Or did they? Effective with the first payroll of 2013, there are a number of changes to paychecks for employees. The American Taxpayer Relief Act of 2012 (“Relief Act”) was passed by the United States…
Know Where Your Financial Advice is Coming From?
Jan 8, 2013 • 43 min
#92: Jon White shares a story of how someone gave really bad financial advice to a young couple. You can read his post here: He and I agree, there is a lot of advice out there that will lead you to make bad decisions with your money. Jon and I talk…
Get Out Of Debt with the Debt Movement, Interview with Financial Soldier Jeff Rose
Jan 1, 2013 • 27 min
#91: Financial Soldier, Jeff Rose, is starting another movement. He is leading the Debt Squad into a battle with debt and we are taking no prisoners. In this interview he shares how he came up with the idea, the goal, and what he expects will happen…
How a 401k Can Save You Taxes
Dec 28, 2012 • 15 min
#90: Putting money into a 401k is a smart tax-saving money move. The Government allows us to sock away up to $17,000 of our hard-earned pay and not pay income tax on it (up to $17,500 in 2013). The money in the account grows without making you pay…
Save 1% More in 2013
Dec 21, 2012 • 23 min
#89: Certified Financial Planner and IRS Enrolled Agent, Jim Blankenship, is the owner and author of, a blog that focuses on taxes, retirement planning, and Social Security. He saw the savings rates as being too low to enable…
No More Mortgage (We’re Counting the Days!)
Dec 14, 2012 • 19 min
#88: ONLY 38 MONTHS LEFT ON OUR MORTGAGE! What happens when I throw a little bit extra every month towards the principal? The scales tip towards our debt free date, that’s what! UPDATE: We paid off our house in December 2015. For more information,…
Smart Moves for Your Christmas Bonus
Dec 5, 2012 • 21 min
#87: What is the best thing to do with a Christmas Bonus? It depends on your current financial situation. There are only three things you can do with money: Spend it, save it or give it - and we need to do a little of all three. In this episode, I use…
YNAB Super-User, and fascinating facts about PowerBall
Nov 28, 2012 • 24 min
#86: Interview with a YNAB super-user You Need A Budget, an incredibly flexible and easy-to-use software application, started as an excel spreadsheet. Steve Mudie remembers those days as he started using it back in the early days of YNAB. After filing…
How To Have A Stress Free Holiday
Nov 22, 2012 • 27 min
#85: Professional Organizer Diana Luetkemeyer joins us again to share tips on how to have a stress free holiday. How do we handle the added responsibilities during the holiday season? Write down your favorite 3 holiday tasks Write down least favorite…
About Financial Advisors, Dealing with Compliance, and Average Joe comes out of the basement
Nov 14, 2012 • 29 min
#84: Joe Saul-Sehy is a recovering Financial Planner. Currently, he is the co-host of the 2 Guys and Your Money podcast, COO & chief bottle washer at, and was the Channel 7 WXYZ-TV “Money Man” in a previous life. He…
3 Reasons That Cause Us To Give
Nov 9, 2012 • 18 min
#83: We don’t give simply to save on taxes - that would be silly. At the center of our spirit is this reason to give: Just because we want to. For more information, visit the show notes at
Understanding Negotiation and Dealing With Conflict, with Dave Hilton
Nov 1, 2012 • 31 min
#82: Negotiation is a strategic communication process to get a deal done or solve a problem. Dave Hilton joins us to talk negotiation skills and how to deal with conflict. For more information, visit
5 Things Debt Settlement Companies Won’t Tell You
Oct 25, 2012 • 43 min
#81: Michael Bovee shares the “” For more information, visit the show notes at
Bankruptcy and Debt Solutions with Emily Chase Smith
Oct 18, 2012 • 25 min
#80: Emily Chase Smith is a Debt Solutions Attorney that started by practicing bankruptcy law. Emily knows bankruptcy is not always the solution and she helps people determine what their best debt solution is. Find more information in our show notes…
When To Push Pause On Dave Ramsey’s Total Money Makeover
Oct 11, 2012 • 24 min
#79: Pregnancy, layoff, or move to another state: These are all situations where you would press “PAUSE” when working Dave Ramsey’s Baby Steps. For details, visit
Which Do I Pay Off First: Highest Interest or Lowest Balance? The Scientifically Proven Debt Snowball Method
Oct 3, 2012 • 33 min
#78: Which works best for paying off debt: Paying extra on high interest debt or a low-balance debt? For many more details go to
The Personal Finance Winning Formula: INCOME plus BUDGET plus ENVELOPES equals EMERGENCY FUND
Sep 27, 2012 • 24 min
#77: How do you get an emergency fund put together? Income + Budget + Envelopes = Emergency Fund More details can be found at
Quick Wins to Save Money Fast - That Last!
Sep 20, 2012 • 20 min
#76: 5 ways to save money FAST that will last and last and last. Garage sales are great for getting fast cash but doesn’t last. Getting a raise at work is important too - but it isn’t fast. For more details visit
You can have No Debt, No Credit, and No Problems
Sep 12, 2012 • 27 min
#75: Got 5 minutes? That’s all I need to show you how to live debt-free and not have to worry about your credit score. You can have no debt, no credit, and have no problems – even for a house! Read more at
How Minimalism Fits into Personal Finance
Sep 6, 2012 • 45 min
#74: What does minimalism have to do with personal finance? Find out as I talk with Robert Wall, a Minimalist who is living WITH less - which enables him to live ON less. For more information, visit the show notes at
Rolling Credit Card Debt Into a Mortgage? Think it through before you sign.
Aug 30, 2012 • 20 min
#73: Rolling credit card debt into a mortgage sounds like a great idea, but does it really make cents? Join me as I go through the math. To follow along, visit
The Simple Math Behind Whole Life and Term Life Insurance
Aug 20, 2012 • 24 min
#72: There are two primary types of Life Insurance: Whole Life (permanent) and Term Life (temporary). While I can not make a blanket statement to say you should do one and never buy the other, there are a lot arguments that can be made to show…
12 Key Questions to Ask a Financial Planner Before You Hire One
Aug 8, 2012 • 48 min
#71: Scott Plaskett, CFP at , takes time away from his busy schedule to explain the various ways that Financial Planners get paid: Commission based Fee Only Fee based We also take time to discuss the , a report he makes available on his website. For…
Chris Hogan: What You Need To Know About Coordinating FPU
Aug 1, 2012 • 33 min
#70: Chris Hogan, a Dave Ramsey Speaker, shares tips for those looking to lead Financial Peace University at their church or community center. For more details, visit
Recovering from ID Theft, with Zander Insurance
Jul 26, 2012 • 35 min
#69: More important than monitoring for ID theft is the recovery. It takes many hours to clear your good name, and now there is a service that will do it for you. Diane Sacks - Vice President of Marketing & ID Theft Protection at , explains how…
How LifeLock’s ID Theft Protection Works
Jul 20, 2012 • 31 min
#68: Tami Nealy, Senior Director of Corporate Communications at , explains what LifeLock does and how they can help you keep an eye on your ID. For more information, check out the show notes at
How Long Do We Need to Keep This Stuff? Professional Organizer, Diane Luetkemeyer
Jul 12, 2012 • 29 min
#67: How long do we keep tax returns? Where should we store important documents? What in the world should I do with all these digital pictures? Professional Organizer, Diana Luetkemeyer, explains the benefits of organization in our homes and our…
Tips for Saving Up and Paying CASH for a Vacation
Jun 20, 2012 • 34 min
#66: These simple tips helped us trickle even more money away to pay for upcoming vacations: Route 66 Road Trip, Florida beaches, and a horse ranch in the mountains. For more information visit
How To Be Richer, Smarter, and Better Looking with Zac Bissonnette
Jun 9, 2012 • 44 min
#65: Zac Bissonnette wrote his new book with one simple question in mind… What should young people do with their money in order to have the best possible life today and for the rest of their life? Show notes and links for the book are at
Dave Ramsey’s New FPU Program (revised 2012)
Jun 6, 2012 • 18 min
#64: Dave Ramsey announced changes to the Financial Peace University (FPU) course in a live webinar on June 5th, 2012. Not only have the videos been re-recorded but the curriculum has some exciting new changes. For more, visit the list at
Theoretical Budgets - The Big Budget Theory
May 25, 2012 • 24 min
#63: My theoretical budget spreadsheet shows you where the opportunities lie in your budget. To download the spreadsheet, visit this original post at
Using a Break Even Analysis for Lower Insurance Premiums
May 17, 2012 • 12 min
#62: I used a “Break Even Formula” to see if would make sense when closing costs could be recovered by the interest saved on the loan. A listener asked if they could use the same analysis to compare insurance and deductibles. For more information, go to
How to Make Your ID Harder To Steal
May 11, 2012 • 26 min
#61: Don’t make it easy for them! Follow these 8 tips to make your identity harder to steal! These steps can not guarantee your ID will never be stolen, but following these common-sense tips can help make your ID harder for someone to steal. For a…
To Invest or Not to Invest — Isn’t That The REAL Question?
May 2, 2012 • 26 min
#60: A listener sent in a question about investing while he’s in debt. He makes a great case study for us to examine if there is a one-size-fits-all get-out-of-debt plan, or not? To read his letter or learn more about investing while paying off debt,…
Financial Products that Keep the Middle Class in the Middle-Class
Apr 20, 2012 • 29 min
#59: The path to becoming wealthy is to save, invest, and live on less than we make. Using other people’s money is expensive and is eroding our ability to become financially independent. It’s keeping the middle class in the middle class. For more…
Extreme Couponing: Is Couponing Worth the Time?
Apr 14, 2012 • 29 min
#58: Couponing is not just cutting pieces of paper out of your local ads, it involves shopping, travel, and seeking out great values to help you stretch your dollar. Saving money with coupons is wise. Do you realize all the costs involved? Jenny Kerr…
(REVISED) Perkstreet: A checking account with rewards — Interview with CEO Dan O’Malley
Apr 8, 2012 • 31 min
UPDATE: Perkstreet is no longer in business. To hear more about what caused them to close, listen to Episode 120 “What happened to PerkStreet” or visit
Jeff Rose starts a ROTH IRA Movement
Mar 30, 2012 • 33 min
#56: What do you do when 99% of high school seniors don’t know what a ROTH IRA is? You start a MOVEMENT! That’s what Jeff Rose did - and I’m part of The Roth IRA Movement. For more information, visit the show notes at
Should the government forgive Student Loans?
Mar 21, 2012 • 55 min
#55: Zac Bissonnette, Jon White, Jackie Walters, and Brent Pittman discuss the Student Loan Forgiveness Act of 2012 that is being put in front of Congress. For more information, visit the show notes at
Which Tax Prep Software Should I Use (2012)
Mar 14, 2012 • 32 min
#54: All you need to know between the various levels of tax software. The full list can be found at
Understanding YNAB Budgeting with Jesse Mecham
Mar 7, 2012 • 38 min
#53: Jesse Mecham is the founder of . For a full list of discussion points and resources visit
Do You Know These 8 Investing Terms?
Mar 1, 2012 • 27 min
#52: 8 terms we need to understand when it comes to investing money. Full list of terms at
Earn Points and Rewards WITHOUT Credit Cards
Feb 24, 2012 • 23 min
#51: I earn hotel stays, free gift cards, and even flights across the country without having a single credit card. How? Listen to find out. COMPLETE LIST at
Who Cares What Dave Ramsey Says?
Feb 18, 2012 • 20 min
#50: As a Dave Ramsey Trained Financial Coach, this sounds like blasphemy. But it’s not what “Dave Ramsey says…”, it’s what he teaches that matters. My full explanation at
Recommended Percentages for Budgeting with free download
Feb 9, 2012 • 29 min
#49: This is a great exercise to see if there are any financial anomalies in your house that are out of whack. Download the Recommended Percentages worksheet from
How to Invest like Spock
Feb 3, 2012 • 24 min
#48: We need to invest like Spock Deciding how, where, and why to invest should not be taken lightly. We need to think logically and look at the data, the facts. Spock from Star Trek is a great example of how to approach investing wisely. He didn’t…
Who Do You Work For? How Taxes Make You Work Longer
Jan 27, 2012 • 25 min
#47: Our purchasing power is handicapped by taxes. Learn how long you have to work to afford a $200 iPod Touch. Full list of examples can be found at
I’m Defending Suze Orman? Really, I am!
Jan 18, 2012 • 19 min
#46: I’m defending Suze Orman?!? Yes, but bot for her behavior when personal finance bloggers idiots - but for something she did with her “Approved Card” that I would love to see other card issuers do. UPDATE: Suze Orman closed her “Approved…
Setting Goals Part 2 with guest Jon White
Jan 12, 2012 • 32 min
#45: After getting your debt paid off and having an emergency fund, now you get to enjoy your money! Write goals down so you are reminded everyday Make them specific and measurable Figure out your “Why”. Why do you want to reach this…
Setting Goals with guest Jon White
Jan 6, 2012 • 26 min
#44: The first of a 2-part series from Jon White. For more information, visit the show notes at
Top 11 Episodes of 2011
Dec 30, 2011 • 32 min
#43: What were the top listened to, commented on, and Tweeted episodes from 2011? For the full list, go to
Changing Values Into Valuables
Dec 23, 2011 • 22 min
#42: One of the things we have to do when building our house of financial freedom open up some windows (share and experience things with others). I call this giving. There are plenty of ways to be a giver. 5 ways to turn things we value into something…
They Want Our Eyeballs! How advertisers try to get your attention
Dec 16, 2011 • 27 min
#41: The media doesn’t make money unless they sell advertising. What do they need for advertisers to pay them money? They need eyeballs. Regardless of what you read, approach everything with critical thinking. For more information, visit the show…
Who I Am - Steve Stewart’s backstory (through 2011)
Dec 7, 2011 • 27 min
#40: Who am I? Your humble servant and Personal Finance Architect! How did I come to be a coach? That is a question I get often from people who want to become a financial coach and/or take Dave Ramsey’s Counselor Training. But before I tell you all…
Open Enrollment Part 3: 401k or IRA?
Nov 23, 2011 • 32 min
#39: In this episode I cover various tax-favored retirement plans for U.S. workers. An example of 401k vs ROTH IRA can be found at
Open Enrollment Part 2: Cafeteria Plans
Nov 18, 2011 • 22 min
Cafeteria Plans, aka Flexible Spending Plans, are great ways to save money tax-free on Health Care expenses and Dependent Care expenses. For more information, visit the show notes at
Open Enrollment Part 1: Insurance Options
Nov 10, 2011 • 37 min
#37: An overview of insurance options through your company’s plan. Full list of resources and notes at
Should I Refi? The Math Behind Refinancing a Mortgage
Oct 28, 2011 • 38 min
#36: Interest rates are even lower than our 5.35% mortgage. Should we refi? Full math and notes at
A MoneyPlan For Kids
Oct 20, 2011 • 22 min
#35: There are only 3 things you can do with money. This applies for both children and adults: Full list of notes at
I’m Saying NO To FICO
Oct 12, 2011 • 18 min
#34: I AIN’T PLAYIN’ NO MO! The FICO Score is a one-sided system of debt evaluation and does not take into account your true financial history. The 5 Components of a FICO Score: 10% Type of credit (debt) 10% New credit (debt) 15% Credit…
Credit worthiness without a credit score? eCredable is INCREDIBLE!
Oct 4, 2011 • 44 min
#33: Steve Ely, CEO of eCredable, used to work for Equifax running the Direct Consumer Business. One of the challenges he experienced was they had a very limited scope in terms of how they could help consumers. Consumers really wanted help…
An Argument for Privatizing Social Security
Sep 27, 2011 • 41 min
#32: Ashley Barnett, Personal Finance Blogger from, shares her thoughts on Social Security. We know the system is broken — but can it be fixed? She has an idea and she wrote about it in her blogpost “An Argument For Privatizing…
Renting vs Buying: House Poor Are You?
Sep 7, 2011 • 34 min
#31: Too much of your take-home pay going to the mortgage makes you “House Poor”, and it can be devastating to your financial future. But Owning a home has so many benefits. In this episode we walk through the pros and cons of owning a home….
Real Life Case Story with Glenn and Fredonna
Aug 24, 2011 • 32 min
#30: Glenn and Fredonna didn’t have a plan for their money. He handled the finances and she was a “willing bystander” with the budget. When they contacted me they wanted to do better, to have a plan for their money. And I answered the call. They also…
Everything Becomes Normal
Aug 17, 2011 • 38 min
#29: Guest blogger and aspiring Personal Finance Coach Alex Humphrey from tells us that Everything is Normal. Places, people, things, even the way we think money should be handled is weird to some but becomes normal when you’re around…
Debt Snowball Calculator with Eric Lentz
Aug 10, 2011 • 27 min
#28: Eric Lentz paid off $53,000 in debt over 24 months using his very own Debt Snowball Calculator. While he no longer sells his Debt Snowball Calculator, you can download a copy () or contact me: For more information, visit the show notes at
Interview with Crown Financial Ministries, John Riley
Aug 3, 2011 • 41 min
#27: John Riley is the US Director of Volunteer Ministries at and has his eyes on Heaven in 2011. He serves a number of people at Crown who give of their time freely to churches, businesses, and schools in order to produce a true…
Build a House of Financial Freedom
Jul 28, 2011 • 28 min
#26: The step-by-step plan to build a house of Financial Freedom: 1. Work 2. Plan 3. Give 4. Pay for necessities 5. Save $1,000 6. Pay for a few wants 7. Pay off all debt (except mortgage). 8. Save 3-6 months of expenses 9. Save for short-term…
Dave Ramsey’s Great Recovery Action Steps
Jul 22, 2011 • 55 min
#25: The Great Recovery was simulcast all over America on July 21, 2011. Dave Ramsey called out to Church Leaders and Financial Peace University Coordinators all over America to inject a spirit of hope into our congregations, communities, and our…
Real Life Case Study with Zac Bissonnette
Jul 12, 2011 • 40 min
#24: In this Real Life Case Study episode we help a young, single, male college student going off to an out-of-state college this fall. His tuition is paid for and he will be getting a stipend that will cover most of his expenses. So why is this a…
How To Achieve Your Savings Goals
Jul 5, 2011 • 21 min
#23: You need to save money. Once you have learned to live on less than you make, what do you do with the extra money? First thing for anyone (whether in debt or not): Have $1,000 in cash put aside for emergencies. When you hit that $1,000…
Living Without Credit Cards Pt4
Jun 28, 2011 • 25 min
#22: One giant choice we can make to get control of our money is to stop using credit cards. It may seem impossible but the steps I’ve laid out in this 4 part series gives anyone some time to work the process and even start back over again if they…
Real Life Case Study with Kelly Brantley
Jun 21, 2011 • 47 min
#21: In this Real Life Case Study episode we talk about a couple who have $57,000 in credit card debt and $23,000 in student loan debt. They bring home $4,500 a month but are behind with 8 of the 13 cards and are beginning to worry about being sued….
Living Without Credit Cards Pt3
Jun 6, 2011 • 19 min
#20: Living Without Credit Cards takes more than just a pair of scissors and going cold turkey. This episode walks us through Step #3 to wean us off our dependency on plastic. Here is a recap of the steps so far: Step 1 - Take your cards out of your…
Living Without Credit Cards Pt2
Jun 1, 2011 • 19 min
#19: We can’t really live or give at our full potential unless we stop borrowing more money and eliminate debt. One of the first things we have to do to pay off debt is to stop borrowing more money. That means weening our dependency away from credit…
Real Life Case Story with Jen and Bob McDonough
May 25, 2011 • 53 min
#18: This is a real life story of a couple with four children who were normal Americans, made a lot of money, and enjoyed life. They had two cars with payments, a 2nd mortgage, spent $1,000 a month on dining, paid off credit cards with 401K loans, and…
Living Without Credit Cards Pt1 - MPSOS017
May 19, 2011 • 22 min
#17: Americans are dependent on their credit cards. But you can live without credit cards, it just takes some time and effort. In this episode we talk about the very first action step you need to take. It’s the hardest step to take, even though the…
DOs and DONTs for Engaged Couples - MPSOS016
May 8, 2011 • 19 min
#16: Financial Coaching at it’s best from America’s Personal Finance Architect, Steve Stewart. Helping everyday American’s build a solid foundation on which to build their financial lives. In today’s episode: Jon White from…
Real Life Case Study with Matt and Janelle Wegner
Apr 27, 2011 • 47 min
#15: In our Real Life Case Study we are joined by Matt and Janelle Wegner, a married couple with their own podcast called Living In Financial Excellence (LIFE). For more information, visit the show notes at
Become A Coach with Justin Lukasavige
Apr 18, 2011 • 57 min
#14: I am often asked - Steve, how can I become a Dave Ramsey Coach? I’m no expert, but I can direct them to some incredible resources. Two of them come from Justin Lukasavige, Storywriter at and author of Become A Coach. In this…
What is Leverage? And Spending Quarters for Lotto
Apr 12, 2011 • 27 min
#13: Leverage is a term used in the housing industry, but everday Americans Leverage themselves all the time and don’t realize it. For a full list visit The music intro is BREAKFAST WITH ZUES by CRESSIDA and it’s KICKIN!
Real Life Case Study with Melissa Cappleman
Mar 29, 2011 • 30 min
#12: Coach Melissa Cappleman and I discuss the challenges of a single mom who is doing it all by herself with two children in private school but living in overdraft. There are some choices she can make to completely regain control and make a…
I Lost It! And Justin Bieber Has A Coach? - MPSOS011
Mar 22, 2011 • 38 min
#11: Have you ever been totally derailed? Something unusual came up that just threw you off balance and you had to stop, get back up, and start moving forward again? That’s what happened to me over the past few weeks. In the 1st segment, I talk about…
Should I Tithe While In Debt?
Mar 2, 2011 • 19 min
#10: One of the most common questions I get from Christians is “Should I Tithe while in debt”? This episode discusses that topic in depth. For a full list of notes and resources
Real Life Case Study with Gregg Pechmann
Feb 18, 2011 • 40 min
#9: We present a real life couple’s real life financial challenges and give real life answers to the choices they can make when they feel there is nowhere to turn. In this episode we talk with Gregg Pechmann, America’s Financial Freedom Coach at…
How to Prepare for a Job Loss
Feb 15, 2011
#8: Michael TechTalk Kastler was fired just before Christmas. He asked for The First 5 Things You Should Do When You Get Fired. I didn’t really answer his question but gave my thoughts on what to do when there is a job change in your future. You can…
Were Not Talking “Bonds”: Episode 007
Feb 7, 2011 • 26 min
#007: A podcast James Bond would be proud of. Well, not actually. In today’s show: 7 tools and tricks to keep you maintain control of your money and not get TRAPPED by marketing and consumerism! For a full list of resources and notes, go…
A Real Life Case Study with Josh Levitt
Jan 26, 2011 • 30 min
#6: Dave Ramsey Trained Financial Coach, Josh Levitt, joins me in this Real Life Case Study. We talk about why married couples share checking accounts, how they can use the envelope system, and does it make sense to sell the house to get out of debt?…
Steve Stewart’s Absolute Simplest Budget That Works
Jan 18, 2011 • 30 min
#5: I’ve boiled the process down to the simplest elements and have come up with a signature process that will Show how far your money can truly go Foster communication between you and your partner/spouse Expose your true priorities – to yourself!…
5 Things To Do If You Are Falling Behind
Jan 8, 2011 • 28 min
#4: There are 5 things that need to be in place before paying off debt and saving for the future: Get on the same page with your spouse or accountability partner Commit to never borrow money again. No more debt Prepare a written budget or…
Real Life Case Study with Don Current
Dec 23, 2010 • 59 min
#3: A Real Life Case Study with Don Current of Current Finances. Don is also a Dave Ramsey Trained Coach who “Helps You Take The Worry Out Of Money”. He is our guest coach on this episode where we discuss the…
Three things that help make you rich
Dec 7, 2010 • 15 min
#2: There are three things anyone can do that will help lead them onto a path of financial freedom and become rich. Also, Holla From The Impala: I’m Spoiled!!! … and The Black Pebble story. For more information, visit the show notes at
Episode 1: Welcome to the MoneyPlan SOS podcast
Nov 23, 2010 • 9 min
#1: Welcome to the Money Plan SOS podcast, where everyday Americans learn how to PAY ATTENTION, NOT INTEREST! My name is Steve Stewart. I’m a Dave Ramsey Trained Counselor and I HATE YOUR DEBT MORE THAN YOU. I believe everyone should be rich so they…