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9 Ways To Curb An Addiction To Shopping


Episode description

#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 at 

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What People Learned About Money By Blogging About Money

September 23rd, 2015


#200: The 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. Financial education is not …

Is Giving a Tithe Mandatory? Chris Brown from True Stewardship

September 3rd, 2015


#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 …

The 8 Great Mistakes of Investing. Also, Fractional Savings Accounts

August 28th, 2015


#198: OG (aka The Other Guy from Stacking Benjamins) joins me to share the 8 Great Mistakes in Investing Full show notes at 

Matt Ham has Redefined Rich

August 21st, 2015


#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 …

The Ins-and-Outs of Robo-Investing - Interview with Jon Stein

August 13th, 2015


#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 …

Less Taxes, More Money In Your Paycheck - Running a mid-year tax return can improve your cashflow

August 6th, 2015


#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 …

Ace Chapman Says Skip The Startup and Buy a Business

July 30th, 2015


#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 …

What You Need To Know About Self-Directed IRA's

July 23rd, 2015


#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 …

Interview with The Vault Key and I Can't Live Without My Smartphone

July 17th, 2015


#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 …

Summer Jobs for Teachers and Destination Debt Freedom

July 9th, 2015


#191: Heather van der Hoop from comes on the show to offer these suggestions for creating an income - and many of them involve …

Inflation-Induced Debt Destruction with Jason Hartman

July 2nd, 2015


#190: Jason Hartman only wants mortgage debt - and he will take out as much as he possibly can. Full show notes at 

Which Half-Glass Investor Are You?

June 26th, 2015


#189: Are you a Pessimist or Opportunist? Take this quiz to find out! Full notes at  …

A Pleasant Conversation With The Angry Grad

June 20th, 2015


#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 …

How Credit Cards Make Their Money - ON YOU!

June 5th, 2015


#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 …

Being Phroogal on the Road to Financial Wellness

May 29th, 2015


#186: What could be better than taking a 30-day journey across the U.S. in a van? Full notes at 

Protected but not Immune to Card Fraud

May 21st, 2015


#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 …

What makes ID Theft companies worth the cost?

May 7th, 2015


#184: Identity theft is no joke - and it's on the rise! Should you pay for monitoring? Full show notes at 

YNAB vs EveryDollar Comparison

April 16th, 2015


#183: Dave Ramsey announced his new budgeting software - EveryDollar. It is awesome - and have many similar features to YNAB (You Need A Budget). …

One Page Financial Plans and Cocktail Napkins - Interview with Carl Richards

April 8th, 2015


#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 …

Money Plan SOS ON FIRE with Joseph Michael

April 1st, 2015


#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 …

Dan Miller, helping people find the work they love for 10 years

March 25th, 2015


#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 …

We’re talking #BitCoin with @OpenBazaar (2015)

March 19th, 2015


#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 …

Spiritual Beliefs and our Behavior with Money (Interview with Joan Sotkin)

March 12th, 2015


#178: Joan Sotkin has been through market upswings and personal bankruptcies - and she sees things as opportunities, not failures. You can find out …

When She Makes More: Interview with Farnoosh Torabi

February 17th, 2015


#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 …

Divorce-proof your marriage with more conversation, less bling

February 2nd, 2015


#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

January 27th, 2015


#175: The Greutmans are debt free and now employ Americans to run their small business - UPDATE: Lauren has launched a new business and can be found at  The Browns just …

Happy New "You" Year (2015)

January 8th, 2015


#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

December 22nd, 2014


#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 …

15 Year-end Tax Tips - Conversation with John Beidel

December 12th, 2014


#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 …

Retirement Limits for 2015 and the Debtors Anonymous Quiz

December 4th, 2014


#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 …

Financial Rules, Frugal Decisions, and Henry Rollins tells a debt free story

November 6th, 2014


#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 …

Looking Back at 30 Years of Purposeful Spending

October 30th, 2014


#168: John Pugliano has more than 30 years of purposeful purchases behind him.  Full show notes at 

A simpler and fair solution to taxes

October 24th, 2014


#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 …

How can Dave Ramsey's advice be dangerous to his listeners?

October 16th, 2014


#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: The shockingly …

What should I do with my old 401k?

October 10th, 2014


#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 …

Facts about FICO and the truth behind the Credit Score Industry

October 1st, 2014


#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 …

Save Money on your iPhone and Cellphone Bill with Rey Brown

September 24th, 2014


#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 …

How to have Rich Kids, with Tom Corley

September 11th, 2014


#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 …

Squirrel Away Your Change With Acorns App

August 28th, 2014


#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 …

Biggest Credit Score Myths and #ALSIceBucketChallenge

August 21st, 2014


#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 …

Steps to buying a cash car with James Kinson

August 7th, 2014


#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 …

Debit Card is Stolen? Real life stories from five victims - and why you don't need to freak out!

July 21st, 2014


#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 …

Debt Freedom helped John Lee Dumas launch Entrepreneur On Fire

June 29th, 2014


#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 to Travel without Credit Cards

June 16th, 2014


#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 …

10 Ways To Pay Attention To Money

May 28th, 2014


#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 …

10 Steps to Improve Attention and Cash Flow

May 15th, 2014


#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 …

Debt Snowball Methods, and The Secret Credit Card Companies Don't Want You To Know

May 1st, 2014


#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 …

Interview with Rachel Cruze, author of Smart Money Smart Kids

April 17th, 2014


#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 …

Blown Engine to Creating Independence - Interview with Kraig Mathias

April 10th, 2014


#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 …

Top 5 Ways To Pay Off Your Mortgage Early

April 1st, 2014


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 …

Lies We Tell Ourselves To Keep Our Credit Cards

March 28th, 2014


#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 …

Habits of the Rich: Interview with Tom Corley

March 19th, 2014


#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 …

Are you Financially Smarter than a Millennial?

March 13th, 2014


#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 …

Redefining Retirement: Interview with Mitch Anthony

March 6th, 2014


#146: 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

February 21st, 2014


#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 …

Tax Deductions you want (and 3 you DON'T!)

February 12th, 2014


#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 …

What happens to my credit score after paying off debt?

February 6th, 2014


#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 …

This Teen's Got Cents - Eva Baker, 17yr old blogger

January 30th, 2014


#142: This 17 year old has got some sense! Eva Baker started a personal finance blog at and is learning a lot about how …

How We Doubled our Net Worth - and YOU CAN TOO!

January 16th, 2014


#141: Before starting our debt-free journey we had $176,000 in retirement accounts but our net worth was only $74,000. What’s the secret that doubled …

Creditors Behaving Badly

January 10th, 2014


#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 …

Making my obsession my occupation in 2014

January 2nd, 2014


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)

December 26th, 2013


#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 …

Paying Attention Is More Important Than Talent

December 19th, 2013


#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 …

How to Talk to Aging Parents about Money Problems

December 12th, 2013


#136: Over the past year I have received calls and messages from adult children who are concerned for their parent’s finances. Papa has been working …

Why Credit Cards Are Against My Religion

December 5th, 2013


#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 …

7 Common Denominators Of The Wealthy

November 26th, 2013


#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 …

5 Ways To Save Money In December

November 21st, 2013


#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 …

How To Pay for Things With Cash: An FPU Graduate’s Testimony

November 14th, 2013


#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 …

Financial Lessons That Stand The Test Of Time

November 7th, 2013


#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 …

The Most Powerful Payment Option is __________

October 31st, 2013


#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 …

FinCon13 Game Show recorded live from St. Louis

October 23rd, 2013


#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 …

About Medi-share. Also, Dissecting Cardmember Services

October 16th, 2013


#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 …

Trickle-down Effect For Your Savings Buckets

October 10th, 2013


#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 …

4 Steps to Get Away from Credit Cards Forever!

October 2nd, 2013


#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 …

1, 2, or 5 Talents: God Wants You To Be Rich

September 25th, 2013


#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, …

4 Steps To Making Smart Purchasing Decisions

September 13th, 2013


#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 …

1-2-3: Three Budgeting Processes that WORK

September 6th, 2013


#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 …

Can You Really Retire Early? Featuring Dividend Mantra and Kraig Mathias

August 29th, 2013


#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 …

Equifax Got Sued, Jeff Rose’s Soldier Of Finance, and No Free Lunch

August 21st, 2013


#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 …

What Happened To PerkStreet?

August 14th, 2013


#120: PerkStreet closed its doors in 2013. Listen to an exclusive interview with PerksStreet CEO, Dan O'Malley about what happened to PerkStreet, …

The Real Cost to be a Stay At Home Mom

August 8th, 2013


#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 …

Stay in your Investing Seat! How baseball and Investing are the same

August 1st, 2013


#118: The Wall Street Journal released an article that shows the average 3 hour major league baseball game averages only 18 minutes of actual …

Baby Step 7: Build Wealth and Leave a Legacy

July 23rd, 2013


#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, …

Baby Step 6: Pay off the house

July 18th, 2013


#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 …

Baby Step 5 with Rachel Cruze: Save For Kid’s College

July 10th, 2013


#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 …

Baby Step 4: Invest 15% for retirement

June 28th, 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 …

Baby Step 3: Save 3-6 Months of Expenses

June 21st, 2013


#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 …

Baby Step 2: The Debt Snowball Method

June 12th, 2013


#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 …

Andres Gutierrez: From ELP to El Machete

June 6th, 2013


#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 …

10 financial products Debt Free people must have

May 30th, 2013


#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 …

Dave Ramsey says saving 100 a month can make you a millionaire!

May 16th, 2013


#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 …

Emergency Funds: How Much You Should Have Saved?

May 9th, 2013


#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 …

Money For Sale! (How money and debt really works!)

May 1st, 2013


#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 …

Paying for a Speeding Ticket with Emergency Savings

April 24th, 2013


#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 …

Buy Your Next Car From The Joneses

April 18th, 2013


#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 …

Teaching Kids About Work and Money with

April 10th, 2013


#104: Gregg Murset, Founder and CEO of, believes teaching children early and often is the best way for them to learn how money really …

4 New Perspectives For Your Money

April 1st, 2013


#103: Car payments, mortgage interest deductions, the morality of money, and who has control of your money: This episode addresses these popular …

Who are the people who don't need to budget?

March 22nd, 2013


#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? …

Money 101: Where money and debt came from

March 15th, 2013


#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 …

Financial Inspiration from listeners and special guest Timm Etters

March 8th, 2013


#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 …

Getting Ready For Zero Debt with Ready for Zero

February 27th, 2013


#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 …

Zillow Shares Ways to Avoid Pitfalls When Buying A Home

February 20th, 2013


#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

February 13th, 2013


#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 …

The Incredible Similarities between Financial Wealth and Physical Health

February 6th, 2013


#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 …

Credit Card Surcharges and Responsible Practices for Debit Card Users

January 31st, 2013


#95: Purchases are more expensive when we use credit cards. A proposed change to Visa and MasterCard regulations may remove restrictions on vendors …

Understanding The Federal 1040 Tax Form

January 25th, 2013


#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 …

Why Your Paycheck is Smaller (and the recent Payroll Tax Cuts)

January 19th, 2013


#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 …

Know Where Your Financial Advice is Coming From?

January 9th, 2013


#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 …

Get Out Of Debt with the Debt Movement, Interview with Financial Soldier Jeff Rose

January 2nd, 2013


#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. …

How a 401k Can Save You Taxes

December 28th, 2012


#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 …

Save 1% More in 2013

December 21st, 2012


#89: Certified Financial Planner and IRS Enrolled Agent, Jim Blankenship, is the owner and author of, a blog that focuses on …

No More Mortgage (We're Counting the Days!)

December 14th, 2012


#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 …

Smart Moves for Your Christmas Bonus

December 5th, 2012


#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 …

YNAB Super-User, and fascinating facts about PowerBall

November 29th, 2012


#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 …

How To Have A Stress Free Holiday

November 23rd, 2012


#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 …

About Financial Advisors, Dealing with Compliance, and Average Joe comes out of the basement

November 15th, 2012


#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 …

3 Reasons That Cause Us To Give

November 9th, 2012


#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 …

Understanding Negotiation and Dealing With Conflict, with Dave Hilton

November 1st, 2012


#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 …

5 Things Debt Settlement Companies Won't Tell You

October 25th, 2012


#81: Michael Bovee shares the "5 things debt settlement companies won't tell you" For more information, visit the show notes at 

Bankruptcy and Debt Solutions with Emily Chase Smith

October 18th, 2012


#80: Emily Chase Smith is a Debt Solutions Attorney that started by practicing bankruptcy law. Emily knows bankruptcy is not always the solution and …

When To Push Pause On Dave Ramsey's Total Money Makeover

October 11th, 2012


#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 …

Quick Wins to Save Money Fast - That Last!

September 20th, 2012


#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

September 12th, 2012


#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

September 6th, 2012


#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.

August 30th, 2012


#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 …

The Simple Math Behind Whole Life and Term Life Insurance

August 21st, 2012


#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 …

12 Key Questions to Ask a Financial Planner Before You Hire One

August 8th, 2012


#71: Scott Plaskett, CFP at, takes time away from his busy schedule to explain the various ways that Financial Planners get paid: …

Chris Hogan: What You Need To Know About Coordinating FPU

August 1st, 2012


#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

July 26th, 2012


#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 …

How LifeLock's ID Theft Protection Works

July 20th, 2012


#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

July 12th, 2012


#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? …

Tips for Saving Up and Paying CASH for a Vacation

June 20th, 2012


#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

June 9th, 2012


#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 …

Dave Ramsey's New FPU Program (revised 2012)

June 6th, 2012


#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 …

Theoretical Budgets - The Big Budget Theory

May 25th, 2012


#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 17th, 2012


#62: 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 …

How to Make Your ID Harder To Steal

May 11th, 2012


#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 …

To Invest or Not to Invest -- Isn't That The REAL Question?

May 2nd, 2012


#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 …

Financial Products that Keep the Middle Class in the Middle-Class

April 20th, 2012


#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 …

Extreme Couponing: Is Couponing Worth the Time?

April 14th, 2012


#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 …

(REVISED) Perkstreet: A checking account with rewards -- Interview with CEO Dan O'Malley

April 8th, 2012


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

March 30th, 2012


#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 …

Should the government forgive Student Loans?

March 21st, 2012


#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)

March 14th, 2012


#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

March 7th, 2012


#53: 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?

March 1st, 2012


#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

February 24th, 2012


#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?

February 18th, 2012


#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 …

Recommended Percentages for Budgeting with free download

February 9th, 2012


#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

February 3rd, 2012


#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 …

Who Do You Work For? How Taxes Make You Work Longer

January 27th, 2012


#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!

January 19th, 2012


#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 …

Setting Goals Part 2 with guest Jon White

January 12th, 2012


#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 …

Setting Goals with guest Jon White

January 6th, 2012


#44: The first of a 2-part series from Jon White. For more information, visit the show notes at

Top 11 Episodes of 2011

December 30th, 2011


#43: What were the top listened to, commented on, and Tweeted episodes from 2011? For the full list, go to

Changing Values Into Valuables

December 23rd, 2011


#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 …

They Want Our Eyeballs! How advertisers try to get your attention

December 17th, 2011


#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 …

Who I Am - Steve Stewart's backstory (through 2011)

December 7th, 2011


#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 …

Open Enrollment Part 3: 401k or IRA?

November 23rd, 2011


#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

November 18th, 2011


Cafeteria Plans, aka Flexible Spending Plans, are great ways to save money tax-free on Health Care expenses and Dependent Care expenses. For …

Open Enrollment Part 1: Insurance Options

November 10th, 2011


#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

October 28th, 2011


#36: Interest rates are even lower than our 5.35% mortgage. Should we refi? Full math and notes at 

A MoneyPlan For Kids

October 20th, 2011


#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

October 12th, 2011


#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 worthiness without a credit score? eCredable is INCREDIBLE!

October 4th, 2011


#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 …

An Argument for Privatizing Social Security

September 28th, 2011


#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 …

Renting vs Buying: House Poor Are You?

September 7th, 2011


#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 …

Real Life Case Story with Glenn and Fredonna

August 24th, 2011


#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 …

Everything Becomes Normal

August 17th, 2011


#29: Guest blogger and aspiring Personal Finance Coach Alex Humphrey from tells us that Everything is Normal. Places, people, things, …

Debt Snowball Calculator with Eric Lentz

August 10th, 2011


#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 …

Interview with Crown Financial Ministries, John Riley

August 3rd, 2011


#27: 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 …

Build a House of Financial Freedom

July 28th, 2011


#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 …

Dave Ramsey's Great Recovery Action Steps

July 22nd, 2011


#25: The Great Recovery was simulcast all over America on July 21, 2011. Dave Ramsey called out to Church Leaders and Financial Peace University …

Real Life Case Study with Zac Bissonnette

July 12th, 2011


#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 …

How To Achieve Your Savings Goals

July 6th, 2011


#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 …

Living Without Credit Cards Pt4

June 28th, 2011


#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 …

Real Life Case Study with Kelly Brantley

June 21st, 2011


#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 …

Living Without Credit Cards Pt3

June 7th, 2011


#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 …

Living Without Credit Cards Pt2

June 1st, 2011


#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 …

Real Life Case Story with Jen and Bob McDonough

May 25th, 2011


#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 …

Living Without Credit Cards Pt1 - MPSOS017

May 19th, 2011


#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 …

DOs and DONTs for Engaged Couples - MPSOS016

May 8th, 2011


#16: Financial Coaching at it's best from America's Personal Finance Architect, Steve Stewart. Helping everyday American's build a solid foundation …

Real Life Case Study with Matt and Janelle Wegner

April 27th, 2011


#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

April 18th, 2011


#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 …

What is Leverage? And Spending Quarters for Lotto

April 12th, 2011


#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 …

Real Life Case Study with Melissa Cappleman

March 29th, 2011


#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 …

I Lost It! And Justin Bieber Has A Coach? - MPSOS011

March 22nd, 2011


#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. …

Should I Tithe While In Debt?

March 2nd, 2011


#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 …

Real Life Case Study with Gregg Pechmann

February 18th, 2011


#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 …

How to Prepare for a Job Loss

February 15th, 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 …

Were Not Talking "Bonds": Episode 007

February 7th, 2011


#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 …

A Real Life Case Study with Josh Levitt

January 26th, 2011


#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 …

Steve Stewart's Absolute Simplest Budget That Works

January 19th, 2011


#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 …

5 Things To Do If You Are Falling Behind

January 8th, 2011


#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 …

Real Life Case Study with Don Current

December 23rd, 2010


#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

December 7th, 2010


#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: …

Episode 1: Welcome to the MoneyPlan SOS podcast

November 23rd, 2010


#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 …

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