Money Plan SOS with Steve Stewart

Money Plan SOS with Steve Stewart
Helping you pay attention - not interest
What People Learned About Money By Blogging About Money
Sep 23, 2015 • 30 min
MoneyPlan SOS podcast is now retired with this final episode. It was recorded LIVE at FinCon15 with nine bloggers who learned more about money by actually blogging about money
Is Giving a Tithe Mandatory? Chris Brown from True Stewardship
Sep 3, 2015 • 37 min
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…
The 8 Great Mistakes of Investing. Also, Fractional Savings Accounts
Aug 28, 2015 • 68 min
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:…
Matt Ham has Redefined Rich
Aug 20, 2015 • 57 min
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…
The Ins-and-Outs of Robo-Investing - Interview with Jon Stein
Aug 13, 2015 • 55 min
Today I am joined by Jon Stein from Full show notes at Jon and I discuss robo-advisors, why Betterment is so different, and what it takes to…
Less Taxes, More Money In Your Paycheck - Running a mid-year tax return can improve your cashflow
Aug 6, 2015 • 34 min
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 government….
Ace Chapman Says Skip The Startup and Buy a Business
Jul 30, 2015 • 50 min
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
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 Wealth…
Interview with The Vault Key and I Can’t Live Without My Smartphone
Jul 16, 2015 • 33 min
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: Why Americans allow themselves to become trapped in debt How much responsibility do…
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
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…
Which Half-Glass Investor Are You? - MPSOS189
Jun 25, 2015 • 37 min
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…
A Pleasant Conversation With The Angry Grad - MPSOS188
Jun 20, 2015 • 48 min
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 Their Money - ON YOU!
Jun 5, 2015 • 36 min
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…
Being Phroogal on the Road to Financial Wellness
May 29, 2015 • 35 min
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 - MPSOS185
May 21, 2015 • 41 min
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 information…
What makes ID Theft companies worth the cost? - MPSOS184
May 7, 2015 • 26 min
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…
YNAB vs EveryDollar Comparison - MPSOS183
Apr 16, 2015 • 53 min
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 identify…
One Page Financial Plans and Cocktail Napkins - Interview with Carl Richards - MPSOS182
Apr 8, 2015 • 44 min
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 Financial…
MoneyPlanSOS ON FIRE with Joseph Michael - MPSOS181
Mar 31, 2015 • 21 min
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. Enter…
Dan Miller, helping people find the work they love for 10 years - MPSOS180
Mar 25, 2015 • 38 min
This year, Dan Miller celebrates the 10th anniversary of his 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, Debt Freedom…
Let’s Talk BitCoin! - MPSOS179
Mar 18, 2015 • 56 min
What is BitCoin, how does it work and how can we get some?Full show notes at Brian Hoffman from joins us to talk about this new payment option that will change the way we…
Spiritual Beliefs and our Behavior with Money
Mar 12, 2015 • 59 min
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 - MPSOS177
Feb 17, 2015 • 40 min
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 Women”…
Divorce-proof your marriage with more conversation, less bling - MPSOS176
Feb 2, 2015 • 51 min
Derek and Carrie Olson help us discover if a marriage can survive a foreclosure. Full show notes with links at
Debt Free Testimonies from the Gruetmans and Browns - MPSOS175
Jan 27, 2015 • 53 min
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 their…
Happy New You Year - MPSOS174
Jan 7, 2015 • 53 min
Come visit my new site: Email questions for the show: Big changes are coming my way - and yours. Listen to my plans to leave the day job, focus all my time on helping others get…
Businesses offer more savings by asking Debit or Credit - MPSOS173
Dec 22, 2014 • 28 min
The sign on their front door: “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 they never…
15 Year-end Tax Tips - Conversation with John Beidel
Dec 12, 2014 • 53 min
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
Retirement Limits for 2015 and the Debtors Anonymous Quiz - MPSOS171
Dec 4, 2014 • 35 min
New retirement contribution and income limits 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 YOU? Instead…
9 Ways To Curb An Addiction To Shopping - MPSOS170
Nov 20, 2014 • 41 min
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?” Send your questions to
Financial Rules, Frugal Decisions, and Henry Rollins tells a debt free story - MPSOS169
Nov 6, 2014 • 35 min
Call in 636-373-4818 eMail Steve@MoneyPlanSOS Show notes Ignore these financial rules at your own risk Live beneath your means Do something smart with the difference Have health insurance Don’t…
Looking Back at 30 Years of Purposeful Spending - MPSOS168
Oct 30, 2014 • 38 min
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…
A simpler and fair solution to taxes - MPSOS167
Oct 24, 2014 • 55 min
Questions? Call Steve Stewart 636-373-4818 Email 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…
How can Dave Ramsey’s advice be dangerous to his listeners? - MPSOS166
Oct 16, 2014 • 71 min
How can Dave Ramsey’s advice be dangerous? Listen to Steve Stewart debate Joshua Sheats on various financial topics he deems to be dangerous to Dave Ramsey Show listeners. Links mentioned in this episode: Post: The shockingly simple math behind…
What should I do with my old 401k? - MPSOS165
Oct 9, 2014 • 29 min
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…
Facts about FICO and the truth behind the Credit Score Industry
Oct 1, 2014 • 42 min
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 of…
Save Money on your iPhone and Cellphone Bill with Rey Brown - MPSOS163
Sep 24, 2014 • 46 min
In this episode, 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…
How to have Rich Kids, with Tom Corley
Sep 11, 2014 • 42 min
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 the…
Squirrel Away Your Change With Acorns App - MPSOS161
Aug 28, 2014 • 40 min
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, Vanguard…
Biggest Credit Score Myths and #ALSIceBucketChallenge
Aug 21, 2014 • 31 min
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, there…
Steps to buying a cash car with James Kinson - MPSOS159
Aug 6, 2014 • 28 min
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.
What Happens When My Debit Card is Stolen? - MPSOS158
Jul 21, 2014 • 33 min
Contact Steve for speaking events, interviews, or coaching: More than 40 million credit and debit card numbers were stolen in a Target data breach and 350,000 from Neiman Marcus in the past 9 months. Nobody is…
Debt Freedom helped John Lee Dumas launch Entrepreneur On Fire
Jun 29, 2014 • 27 min
How successful people spend money
How to travel without credit cards - MPSOS156
Jun 16, 2014 • 19 min
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…
How To Pay Attention To Money
May 28, 2014 • 25 min
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…
10 Steps to Improve Attention and Cash Flow - MPSOS154
May 15, 2014 • 17 min
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 I had…
Debt Snowball Methods, and The Secret Credit Card Companies Don’t Want You To Know
May 1, 2014 • 16 min
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 - MPSOS152
Apr 17, 2014 • 27 min
Interview with Rachel Cruze, author of Smart Money Smart Kids 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…
Blown Engine to Creating Independence - Interview with Kraig Mathias
Apr 10, 2014 • 34 min
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. You…
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: Starve The Doubts 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
People love their credit cards. Why? They aren’t valuable, can’t be traded or sold, and cost people money and often their freedom. I’ve been separated from my credit cards for over seven years and can tell you that I don’t miss them a bit. Now…
Rich Habits: Interview with Tom Corley
Mar 19, 2014 • 28 min
Interview with Tom Corley Tom Corley, author of Rich Habits: The Daily Success Habits of Wealthy Individuals joins me for a discussion about the habits of the rich. In this interview with Tom Corley we also learn the 4 things that can make you…
Are You Financailly Smarter Than A Millennial
Mar 13, 2014 • 25 min
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 - MPSOS146
Mar 6, 2014 • 25 min
Mitch Anthony joins me in a discussion about redefining retirement. His book, The New Retirementality, helps us understand this relatively new word. Resources can be found at…
Five Ways To Reduce Financial Stress - MPSOS145
Feb 20, 2014 • 14 min
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
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…
What happens to my credit score after paying off debt?
Feb 6, 2014 • 22 min
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 on the…
This Teen’s Got Cents - Eva Baker, 17yr old blogger
Jan 30, 2014 • 30 min
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
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.
Making my obsession my occupation in 2014 - MPSOS139
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 (2014)
Dec 26, 2013 • 25 min
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 things…
Paying Attention Is More Important Than Talent
Dec 19, 2013 • 15 min
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 identifies…
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
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 bringing…
7 Common Denominators Of The Wealthy
Nov 26, 2013 • 18 min
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 stuff! For…
5 Ways To Save Money In December
Nov 20, 2013 • 10 min
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 holidays,…
How To Pay for Things With Cash: An FPU Graduate’s Testimony
Nov 14, 2013 • 18 min
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 re…
Financial Lessons That Stand The Test Of Time – MPSOS131
Nov 7, 2013 • 12 min
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 about f…
The Most Powerful Payment Option is ____ – MPSOS130
Oct 31, 2013 • 33 min
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
Think you know more than financial bloggers? Try your hand at the Financial Blogger Conference Game Show questions. - This was a show recorded live at #FinCon13 in St. Louis on October 19, 2013. Four beautiful financial bloggers competed for prizes b…
About Medi-share and Dissecting Cardmember Services
Oct 15, 2013 • 28 min
Bob Lotich, Founder of, 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
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.
Get Away From Credit Cards Forever
Oct 2, 2013 • 27 min
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 cards?
1, 2, or 5 Talents: God Wants You To Be Rich – MPSOS125
Sep 24, 2013 • 22 min
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 bun…
4 Steps To Making Smart Purchasing Decisions – MPSOS124
Sep 13, 2013 • 20 min
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 managers.
Three Budgeting Processes That Work
Sep 6, 2013 • 28 min
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 student loan debt. -
Can You Really Retire Early? DividendMantra and YoungCheapLiving
Aug 29, 2013 • 51 min
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 YoungCheapLiving.
Equifax Got Sued, Jeff Rose’s Soldier Of Finance, and No Free Lunch
Aug 21, 2013 • 28 min
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 market…
What Happened To PerkStreet? – MPSOS120 [podcast]
Aug 14, 2013 • 19 min
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 Steve Stewart: PerkStreet was that final ammunition that proved you don’t nee…
The Real Cost to be a Stay At Home Mom – MPSOS119
Aug 7, 2013 • 26 min
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 achieve…
Stay in your Investing Seat! How the MLB and Investing in the S&P are the same
Jul 31, 2013 • 23 min
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 all the…
Baby Step 7: Build Wealth and Leave a Legacy – MPSOS117 [podcast]
Jul 23, 2013 • 40 min
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.
Baby Step 6: Pay off the house – MPSOS116 [podcast]
Jul 17, 2013 • 23 min
Pay off the house is Dave Ramsey’s Baby Step #6 - Why should you pay off the house early? The American dream is to own your own home (white picket fences are optional). Owning a home free-and-clear means you don’t pay rent or a monthly mortgage payme…
Baby Step 5 with Rachel Cruze: Save For Kid’s College – MPSOS115 [podcast]
Jul 9, 2013 • 27 min
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: Save for kid’s college Once we have gotten ourselves out of debt and started to save 15% in retirement it is time to save for …
Baby Step 4: Invest 15% for retirement
Jun 27, 2013
Dave Ramsey’s 4th Baby Step is to invest 15% for retirement. We are halfway through a complete Total Money Makeover and the rest is pretty easy. First let’s review the previous 3 Baby Steps: Make the choice to get out of the debt business by building…
Baby Step 3: Save 3-6 Months of Expenses [podcast]
Jun 20, 2013 • 20 min
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
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 pay off all consumer debt using the Debt Snowball Method.
Andres Gutierrez: From ELP to El Machete – MPSOS111 [podcast]
Jun 5, 2013 • 40 min
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 his own …
10 Financial Products Debt Free People Must Have – MPSOS110 [podcast]
May 30, 2013 • 16 min
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 “”.
Dave Ramsey says saving 100 a month can make you a millionaire – MPSOS109 [podcast]
May 15, 2013 • 26 min
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 Benj…
How Much You Should Have In An Emergency Fund – MPSOS108 [podcast]
May 9, 2013 • 24 min
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,
Money For Sale! – MPSOS107 [podcast]
May 1, 2013 • 14 min
Money for sale! 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.
Paying for a Speeding Ticket with Emergency Savings – MPSOS106 [podcast]
Apr 23, 2013 • 13 min
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
Buy Your Next Car From The Joneses – MPSOS105 [podcast]
Apr 18, 2013 • 17 min
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 Jo…
Teaching Kids About Work and Money with – MPSOS104 [podcast]
Apr 10, 2013 • 33 min is the fastest growing website teaching kids about work and money. 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,
4 New Perspectives For Your Money – MPSOS103
Mar 31, 2013 • 24 min
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,
People who don’t need to budget – MPSOS102 [podcast]
Mar 22, 2013 • 18 min
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.
Where money and debt came from – MPSOS 101 [podcast]
Mar 14, 2013 • 23 min
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,
EPISODE 100: Inspiration from listeners and special guest Timm Etters
Mar 7, 2013 • 60 min
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.
Getting Ready For Zero Debt with Ready for Zero
Feb 27, 2013 • 26 min
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 better…
Zillow Shares Ways to Avoid Pitfalls When Buying A Home
Feb 19, 2013 • 34 min joins me to share ways to avoid lending pitfalls that can prevent you from buying a house. More information can be found at
Which Fork Would You Take? Interview with Mandy Knight
Feb 13, 2013 • 28 min
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
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
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 has…
Understanding The Federal 1040 Tax Form
Jan 25, 2013 • 23 min
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
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 Congress on…
Know Where Your Financial Advice is Coming From?
Jan 8, 2013 • 43 min
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…
Get Out Of Debt with the Debt Movement, Interview with Financial Soldier Jeff Rose
Jan 1, 2013 • 27 min
Financial Soldier, Jeff Rose, is starting another movement in 2013. 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…
How a 401k Can Save You Taxes
Dec 28, 2012 • 15 min
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 taxes…
Earn Points and Rewards WITHOUT Credit Cards - MPSOS051
Dec 24, 2012 • 23 min
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
Save 1 Percent more in 2013
Dec 21, 2012 • 23 min
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 Ame…
Who Cares What Dave Ramsey Says?
Dec 18, 2012 • 20 min
It’s what he teaches that matters, not what “Dave Ramsey says…”
No More Mortgage (We’re Counting the Days!)
Dec 14, 2012 • 19 min
I’m so stinkin’ excited! We have 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 paying less in interest and more towards a complete debt free date in the St…
Smart Moves for Your Christmas Bonus
Dec 5, 2012 • 21 min
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. We need to do a little of all three. -
YNAB Super-User, and fascinating facts about PowerBall
Nov 28, 2012 • 24 min
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. -
How To Have A Stress Free Holiday
Nov 22, 2012 • 27 min
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
About Financial Advisors, Dealing with Compliance, and Average Joe comes out of the basement
Nov 14, 2012 • 29 min
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. -
3 Reasons That Cause Us To Give
Nov 9, 2012 • 18 min
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. To work with a Dave Ramsey Trained Coach, contact me at
Understanding Negotiation and Dealing With Conflict, with Dave Hilton
Nov 1, 2012 • 31 min
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
Michael Bovee shares the “5 things debt settlement companies won’t tell you” For more great educational podcast episodes, visit
Bankruptcy and Debt Solutions with Emily Chase Smith
Oct 18, 2012 • 25 min
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 at…
When To Push Pause On Dave Ramsey’s Total Money Makeover
Oct 11, 2012 • 24 min
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
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
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
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
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
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.
Rolling Credit Card Debt Into a Mortgage
Aug 30, 2012 • 20 min
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 Math Behind Whole Life and Term Life Insurance
Aug 20, 2012 • 24 min
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 that…
12 Key Questions to Ask a Financial Planner Before You Hire One
Aug 8, 2012 • 48 min
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 12 Key Questions You Must Ask A Financial…
Chris Hogan - What You Need To Know About Coordinating FPU
Aug 1, 2012 • 33 min
Dave Ramsey Speaker, Chris Hogan, 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
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 Zander Insurance,…
How LifeLock’s ID Theft Protection Works
Jul 20, 2012 • 31 min
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
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 for Vacation
Jun 20, 2012 • 34 min
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
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
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
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
I used a “Break Even Formula” to see if refinancing our house 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 deducitlbes. For more…
How to Make Your ID Harder To Steal
May 11, 2012 • 26 min
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 full…
To Invest or Not to Invest — Isn’t That The REAL Question?
May 2, 2012 • 26 min
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, visit…
Financial Products that Keep the Middle Class in the Middle-Class
Apr 20, 2012 • 29 min
Financing Furniture, Car Payments, Building Credit — these are the things that keep us in the middle class
Extreme Couponing: Is Couponing Worth the Time?
Apr 14, 2012 • 29 min
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 from…
(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
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. Did you know I am a Dave Ramsey Trained Financial Coach? Contact me to make your…
Should the government forgive Student Loans?
Mar 21, 2012 • 55 min
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.
Which Tax Prep Software Should I Use for TY2012
Mar 14, 2012 • 32 min
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
Jesse Mecham is the founder of YNAB – You Need A Budget. For a full list of discussion points and resources visit
Do You Know These 8 Investing Terms?
Mar 1, 2012 • 27 min
8 terms we need to understand when it comes to investing money. Full list of terms at
Recommended Percentages for Budgeting with free download
Feb 9, 2012 • 29 min
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
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
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? Actually, I am
Jan 18, 2012 • 19 min
I’m defending Suze Orman, not for her behavior in calling some 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 Card” in 2015
Setting Goals Part 2 with guest Jon White
Jan 12, 2012 • 32 min
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
The first of a 2-part series from Jon White from
Top 11 Episodes of 2011
Dec 30, 2011 • 32 min
The episodes with most listens in 2011: Episode #05: The Absolute Simplest Budget That Works by Steve Stewart (take course here) Episode #10: Should I Tithe While In Debt and the importance of giving, even while paying off debt Episode…
Changing Values Into Valuables
Dec 23, 2011 • 22 min
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!
Dec 16, 2011 • 27 min
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
Who I Am - Steve Stewart’s backstory
Dec 7, 2011 • 27 min
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…
Open Enrollment Part 3: 401k or IRA?
Nov 23, 2011 • 32 min
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 - MPSOS038
Nov 18, 2011 • 22 min
‚Ä®Cafeteria Plans, aka Flexible Spending Plans, are great ways to save money tax-free on Health Care expenses and Dependent Care expenses. For a full rundown, visit…
Open Enrollment Part 1: Insurance Options
Nov 10, 2011 • 37 min
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 - MPSOS036
Oct 28, 2011 • 38 min
Interest rates are even lower than our 5.35% mortgage. Should we refi?Full math and notes at
A MoneyPlan For Kids - MPSOS035
Oct 20, 2011 • 22 min
There are only 3 things you can do with money. This applies for both children and adults: Full list of notes at
Saying No To FICO - MPSOS034
Oct 12, 2011 • 18 min
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.Full show notes at 5 Components of a FICO…
eCredable is INCREDIBLE - MPSOS033
Oct 4, 2011 • 44 min
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 with…
An Argument for Privatizing Social Security - MPSOS032
Sep 27, 2011 • 41 min
Ashley Barnett, Personal Finance Blogger from, shares her thoughts on Social Security. We know the system is broken but what can be done to fix it? She has an idea and she wrote about it in her blogpost “An Argument For…
Renting vs Buying: House Poor Are You? - MPSOS031
Sep 7, 2011 • 34 min
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…
Real Life Case Story with Glenn and Fredonna - MPSOS030
Aug 24, 2011 • 32 min
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 - MPSOS029
Aug 17, 2011 • 38 min
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 it…
Debt Snowball Calculator with Eric Lentz - MPSOS028
Aug 10, 2011 • 27 min
Eric Lentz paid off $53,000 in debt over 24 months using his very own Debt Snowball Calculator. While he no longer sells this, you can get a copy of the Pro version directly from me. Contact me through
Interview with Crown Financial Ministries, John Riley - MPSOS027
Aug 3, 2011 • 41 min
John Riley is the US Director of Volunteer Ministries at Crown Financial Ministries 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…
How To Build Your House of Financial Freedom - MPSOS026
Jul 28, 2011 • 28 min
The basics of personal finance begin with “The 4 Walls”: Food, Utilities, Transportation, Clothing and Shelter (the roof on top of the 4 walls). How do you build your House of Financial Freedom? Listen to find out. Work with a Dave Ramsey…
Dave Ramsey’s Great Recovery Action Steps - MPSOS025
Jul 22, 2011 • 55 min
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 - MPSOS024
Jul 12, 2011 • 40 min
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 case…
How To Achieve Your Savings Goals - MPSOS023
Jul 5, 2011 • 21 min
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 amount,…
Living Without Credit Cards Pt4 - MPSOS022
Jun 28, 2011 • 25 min
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 mess…
Real Life Case Study with Kelly Brantley - MPSOS021
Jun 21, 2011 • 47 min
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. If you’d like to work with a Dave Ramsey Trained Coach, visit They bring home…
Living Without Credit Cards Pt3 - MPSOS020
Jun 6, 2011 • 19 min
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: To get rid of your credit card debt, work…
Living Without Credit Cards Pt2 - MPSOS019
Jun 1, 2011 • 19 min
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 cards…
Real Life Case Story with Jen and Bob McDonough - MPSOS018
May 25, 2011 • 53 min
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
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 action…
DOs and DONTs for Engaged Couples - MPSOS016
May 8, 2011 • 19 min
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 & Janelle Wegner - MPSOS015
Apr 27, 2011 • 47 min
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). To work with a Dave Ramsey Financial Coach visit
Become A Coach with Justin Lukasavige
Apr 18, 2011 • 57 min
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 - MPSOS013
Apr 12, 2011 • 27 min
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…
Real Life Case Study with Melissa Cappleman - MPSOS012
Mar 29, 2011 • 30 min
Listen to the financial challenges of a single mom living in overdraft.
I Lost It! And Justin Bieber Has A Coach? - MPSOS011
Mar 22, 2011 • 38 min
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. To contact a Dave Ramsey Trained…
Should I Tithe While In Debt - MPSOS010
Mar 2, 2011 • 19 min
90%+God > 100%-God
Real Life Case Study with Gregg Pechmann - MPSOS009
Feb 18, 2011 • 40 min
Steve Stewart, Financial Coach at MoneyPlanSOS, presents a Real Life Case Study. To contact a Dave Ramsey Financial Coach, visit We present a real life couple’s real life financial challenges and give real life…
Preparing For Job Loss - MPSOS008
Feb 15, 2011
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 Bonds
Feb 7, 2011 • 26 min
In this episode: 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:
Real Life Case Study with Josh Levitt
Jan 26, 2011 • 30 min
Real Life Case Study with Josh Levitt of To speak with a Dave Ramsey Trained Counselor, visit Josh is a Dave Ramsey Trained Financial Coach who offers “Winning game plans…
Steve Stewart’s Absolute Simplest Budget That Works - MPSOS005
Jan 18, 2011 • 30 min
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…
5 Things To Do If You Are Falling Behind
Jan 8, 2011 • 28 min
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
Real Life Case Study with Don Current of Current Finances. To contact a Dave Ramsey Trained Counselor, visit Don is also a Dave Ramsey Trained Coach who “Helps You Take The Worry Out Of Money”. He is our guest…
Three things that help make you rich - MPSOS002
Dec 7, 2010 • 16 min
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. Feel free to comment or connect with me on…
Episode 1: Welcome to the MoneyPlan SOS podcast
Nov 23, 2010 • 9 min
My name is Steve Stewart. I’m a Dave Ramsey Trained Counselor and I HATE YOUR DEBT MORE THAN YOU. For complete information and list of services visit I believe everyone should be rich so they can help others in…