Podcasts by Money Plan SOS

Money Plan SOS

Pay attention - not interest.

For most, that’s all it takes to get their money under control. That’s how Steve and his wife got out of debt completely - even the mortgage…and you can too!

Your host, Steve Stewart, shares his extreme-but-proven ways that money really works. The show isn’t just about making a Money Plan (aka: a budget). Steve also explains what’s really wrong with credit cards and credit scores (spoiler alert: It’s not what you think). You’ll also learn about rich habits, how various investing vehicles work, and how you can have no debt, no credit, and no problems!

The show is retired, but still relevant in today’s radically changing financial world. Begin with Episode 201, then go back and listen to the archives in your favorite podcast app!

Money Plan SOS is the response to the call for help with your finances.

Further podcasts by Steve Stewart

Podcast on the topic Geldanlage

All episodes

Money Plan SOS
The BEST (and worst) of the Money Plan SOS Podcast from 2020-11-23T07:00

Welcome! If you are new to the Money Plan SOS podcast then sit back. I’ll share with you the 20 best episodes, 10 “staple” episodes, and the 13 worst episodes. I also share my journey through money...

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Money Plan SOS
What People Learned About Money By Blogging About Money from 2015-09-23T20:12:16

#200: The MoneyPlan SOS podcast is now retired with this final episode. It was recorded LIVE at FinCon15 with nine bloggers who learned about money while blogging about money. In this final episode...

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Money Plan SOS
Is Giving a Tithe Mandatory? Chris Brown from True Stewardship from 2015-09-03T22:45:40

#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 year...

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Money Plan SOS
The 8 Great Mistakes of Investing. Also, Fractional Savings Accounts from 2015-08-28T13:50:08

#198: OG (aka The Other Guy from Stacking Benjamins) joins me to share the 8 Great Mistakes in Investing Full show notes at   The 8 Great Mistakes of Investing are: Under-diversification  Over-div...

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Money Plan SOS
Matt Ham has Redefined Rich from 2015-08-21T02:00:22

#197: Matt Ham is an author, speaker, and small business owner. Five words uttered by a nurse changed the way he looks at life - and inspired him to redefine rich. Full notes with links at   Takeaw...

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Money Plan SOS
The Ins-and-Outs of Robo-Investing - Interview with Jon Stein from 2015-08-13T19:33:24

#196: Jon Stein from Betterment and I discuss robo-advisors, why Betterment is so different, and what it takes to open an account. Use  to receive 30 days FEE FREE investing at Betterment Full show...

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Money Plan SOS
Less Taxes, More Money In Your Paycheck - Running a mid-year tax return can improve your cashflow from 2015-08-06T12:35:07

#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 inefficie...

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Money Plan SOS
Ace Chapman Says Skip The Startup and Buy a Business from 2015-07-30T08:30

#194: Although he has an entrepreneur’s heart, Ace doesn’t believe anybody should start their own business. It is much easier and profitable to buy an existing business, improve it, and sell it for...

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Money Plan SOS
What You Need To Know About Self-Directed IRA's from 2015-07-23T20:35:04

#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...

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Money Plan SOS
Do Companies Check Credit Scores? from 2015-07-17T01:53:11

#192: Kai used to be responsible for staffing at a firm. She knows first-hand what companies use to check on an applicant's background. 

While a company may check credit reports, they do not revie...

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Money Plan SOS
Summer Jobs for Teachers and Destination Debt Freedom from 2015-07-09T08:00

#191: Heather van der Hoop from ThePennyHoarder.com comes on the show to offer these suggestions for creating an income - and many of them involve stretching your boundaries as a teacher. 1. Teach ...

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Money Plan SOS
Inflation-Induced Debt Destruction with Jason Hartman from 2015-07-02T10:00

#190: Jason Hartman only wants mortgage debt - and he will take out as much as he possibly can. Full show notes at   Jason Hartman has been investing since he was 20 years old and learned how infl...

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Money Plan SOS
Which Half-Glass Investor Are You? from 2015-06-26T02:52

#189: Are you a Pessimist or Opportunist? Take this quiz to find out! Full notes at   Topics covered in this episode: Pessimists, Opportunists, and the Half-Glass Investor Quiz    How a GOOD credi...

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Money Plan SOS
A Pleasant Conversation With The Angry Grad from 2015-06-20T15:39:02

#188: Leah Bell shares her story of growing $32k in student loan debt - and why it makes her angry! Upcoming webinars: July 1st: Get more out of your money by Spending Our Values http://MoneyPlanSO...

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Money Plan SOS
How Credit Cards Make Money - ON YOU! from 2015-06-05T15:25:05

#187: An informed consumer is a better consumer. This episode will show how Credit Cards make money from processing fees.  I also give a few tips for reducing fees and a new way to send a friend mo...

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Money Plan SOS
Being Phroogal on the Road to Financial Wellness from 2015-05-29T13:35:41

#186: What could be better than taking a 30-day journey across the U.S. in a van? Full notes at   Jason Vitug from Phroogal is leaving for a 30 day journey throughout the U.S. to promote financial...

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Money Plan SOS
Protected but not Immune to Card Fraud from 2015-05-21T19:16:43

#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 th...

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Money Plan SOS
What makes ID Theft companies worth the cost? from 2015-05-07T15:09:55

#184: Identity theft is no joke - and it's on the rise! Should you pay for monitoring? Full show notes at   Keith Bunn of CavusFinancialCoaching.com compared four companies to see if their services...

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Money Plan SOS
YNAB vs EveryDollar Comparison from 2015-04-16T06:28:26

#183: Dave Ramsey announced his new budgeting software - EveryDollar. It is awesome - and have many similar features to YNAB (You Need A Budget). Which premium budgeting software is best for you? L...

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Money Plan SOS
One Page Financial Plans and Cocktail Napkins - Interview with Carl Richards from 2015-04-08T20:56:41

#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 nap...

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Money Plan SOS
Money Plan SOS ON FIRE with Joseph Michael from 2015-04-01T03:00

#181: Joseph Michael is an average guy who saw a need and is now making 6-figures helping writers solve a problem. They love to use Scrivener - an incredible writing and organization tool - but had...

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Money Plan SOS
Dan Miller, helping people find the work they love for 10 years from 2015-03-25T15:40:07

#180: The year 2015 marks the celebrates the 10th anniversary of Dan Miller's life-changing book "48 Days To The Work You Love". He joins me in a conversation about resumes, extra curricular activi...

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Money Plan SOS
We’re talking #BitCoin with @OpenBazaar (2015) from 2015-03-19T01:41:04

#179: What is BitCoin, how does it work and how can we get some? Brian Hoffman from OpenBazaar.org joins us to talk about this new payment option that will change the way we spend money - literally...

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Money Plan SOS
Spiritual Beliefs and our Behavior with Money (Interview with Joan Sotkin) from 2015-03-12T06:19:41

#178: Joan Sotkin has been through market upswings and personal bankruptcies - and she sees things as opportunities, not failures. You can find out more about Joan at ProsperityPlace.com Full show ...

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Money Plan SOS
When She Makes More: Interview with Farnoosh Torabi from 2015-02-17T13:07:26

#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 rec...

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Money Plan SOS
Divorce-proof your marriage with more conversation, less bling from 2015-02-02T19:14:56

#176: Derek and Carrie Olsen help us discover if a marriage can survive a foreclosure. Full show notes with links at  

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Money Plan SOS
Debt Free Testimonies from the Gruetmans and Browns from 2015-01-27T06:27

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

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Money Plan SOS
Happy New "You" Year (2015) from 2015-01-08T01:58:52

#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 a...

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Money Plan SOS
Businesses offer more savings by asking Debit or Credit from 2014-12-22T12:00

#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 busin...

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Money Plan SOS
15 Year-end Tax Tips - Conversation with John Beidel from 2014-12-12T19:29:53

#172: Tax specialist, John Beidel, joins me in a discussion about 15 Year-end Tax Saving Tips - an article from Betterment.com. Try Betterment for 30 days when using     For more information, visit...

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Money Plan SOS
Retirement Limits for 2015 and the Debtors Anonymous Quiz from 2014-12-04T05:36:50

#171: New retirement contribution and income limits for 2015 have been released by the IRS.  Take the Debtor's Anonymous Quiz - 15 questions to help identify compulsive debtors. The perfect credit ...

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Money Plan SOS
9 Ways To Curb An Addiction To Shopping from 2014-11-20T13:32:24

#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 saving...

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Money Plan SOS
Financial Rules, Frugal Decisions, and Henry Rollins tells a debt free story from 2014-11-06T06:45:34

#169: Henry Rollins tells a debt free story. In the episode titled “10 things you don’t know about the almighty dollar” he tells a debt free story about America. It appears that Andrew Jackson was ...

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Money Plan SOS
Looking Back at 30 Years of Purposeful Spending from 2014-10-30T05:52:42

#168: John Pugliano has more than 30 years of purposeful purchases behind him.  Full show notes at  His wife was able to stay home with all 6 kids while he focused on his career. He retired early a...

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Money Plan SOS
A simpler and fair solution to taxes from 2014-10-24T16:48:54

#167: Is it possible to have a simple and fair solution to the US tax code? Yes, it's called the FairTax. 105 years ago the 16th Amendment was passed allowing the US Government to levy an income t...

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Money Plan SOS
How can Dave Ramsey's advice be dangerous to his listeners? from 2014-10-16T16:41:30

#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...

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Money Plan SOS
What should I do with my old 401k? from 2014-10-10T02:06:05

#165: Lisa left her job for another. She could have rolled her old 401k into the new plan, but she wanted more options. Full show notes and resources at  What should I do with my old 401k? Lisa Emp...

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Money Plan SOS
Facts about FICO and the truth behind the Credit Score Industry from 2014-10-01T04:38:42

#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 th...

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Money Plan SOS
Save Money on your iPhone and Cellphone Bill with Rey Brown from 2014-09-24T06:50:43

#163: Rey Brown explains how the cell phone industry works and gives suggestions for saving money on a new plan. A full list of resources can be found at 

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Money Plan SOS
How to have Rich Kids, with Tom Corley from 2014-09-11T05:41:10

#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 ...

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Money Plan SOS
Squirrel Away Your Change With Acorns App from 2014-08-28T05:24:06

#161: What if you could invest your loose change at the end of the day? Now you can with Acorns. Acorns is an app taking advantage of new technologies and less expensive investment fees to allow an...

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Money Plan SOS
Biggest Credit Score Myths and #ALSIceBucketChallenge from 2014-08-21T07:21:02

#160: You can't turn on the TV or have a conversation with someone about money without the subject of credit scores coming up. With all that awareness you would think that everyone would have a bas...

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Money Plan SOS
Steps to buying a cash car with James Kinson from 2014-08-07T03:28:45

#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...

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Money Plan SOS
Debit Card is Stolen? Real life stories from five victims - and why you don't need to freak out! from 2014-07-21T06:53:56

#158: It is inevitable: Your debit card will be compromised some day. What happens when my debit card is stolen? Money will be taken out of your account Your bank may call you or you must call you...

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Money Plan SOS
Debt Freedom helped John Lee Dumas launch Entrepreneur On Fire from 2014-06-29T17:35:01

#157: How was John Lee Dumas able to start Entrepreneur On Fire without ANY income for 9 months? John tells us how in this exclusive interview about how successful people spend money. Also, Suze Or...

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Money Plan SOS
How to Travel without Credit Cards from 2014-06-16T04:49:51

#156: Would you like to know how we paid for our vacation at a horse ranch without credit cards? It’s easy: We prepaid for our travel expenses with a debit card, prepaid for the week at a horse ran...

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Money Plan SOS
10 Ways To Pay Attention To Money from 2014-05-28T20:59:53

#155: How much attention do you really need to give to managing personal finances? Here are 10 ways we pay attention to our money - and most of it doesn't involve a lot of time:   Always: Check re...

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Money Plan SOS
10 Steps to Improve Attention and Cash Flow from 2014-05-15T08:00

#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...

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Money Plan SOS
Debt Snowball Methods, and The Secret Credit Card Companies Don't Want You To Know from 2014-05-01T05:07:39

#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 Avalanc...

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Money Plan SOS
Interview with Rachel Cruze, author of Smart Money Smart Kids from 2014-04-17T12:00:24

#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 NYT...

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Money Plan SOS
Blown Engine to Creating Independence - Interview with Kraig Mathias from 2014-04-10T05:52:01

#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 jo...

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Money Plan SOS
Top 5 Ways To Pay Off Your Mortgage Early from 2014-04-01T01:26:57

HAPPY APRIL FOOLS DAY! I'm not here in this episode - I've commandeered three other shows that are not my own. Here's where I am today:  where I turn the tables on Jared Easley and interview him ...

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Money Plan SOS
Lies We Tell Ourselves To Keep Our Credit Cards from 2014-03-28T20:18:01

#149: People love their credit cards. Why? They aren’t valuable. They can’t be traded or sold. And they cost people a lot of money and often their freedom. I’ve been separated from my credit cards ...

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Money Plan SOS
Habits of the Rich: Interview with Tom Corley from 2014-03-19T11:15:34

#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...

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Money Plan SOS
Are you Financially Smarter than a Millennial? from 2014-03-13T05:26:11

#147: A new study released by FINRA reveals only 18% of millennials are able to correctly answer 4 out of 5 questions about finance.    Links mentioned in the show: FINRA releases results of study:...

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Money Plan SOS
Redefining Retirement: Interview with Mitch Anthony from 2014-03-06T21:11:38

#146: Mitch Anthony joins me in a discussion about redefining retirement. His book, , helps us understand this relatively new word.  Resources can be found at          

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Money Plan SOS
Five Ways To Reduce Financial Stress from 2014-02-21T02:58:22

#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 gi...

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Money Plan SOS
Tax Deductions you want (and 3 you DON'T!) from 2014-02-12T04:46:46

#144: The sole benefit of Federal form Schedule A is to give us the opportunity to keep more of our hard-earned money. These are commonly referred to as “itemized deductions.” These are the tax ded...

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Money Plan SOS
What happens to my credit score after paying off debt? from 2014-02-06T14:50:53

#143: What happens to my credit score after paying off debt? In this episode I share survey results that show debt-free people aren't worried about their credit score. FICO says what's in your cre...

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Money Plan SOS
This Teen's Got Cents - Eva Baker, 17yr old blogger from 2014-01-30T15:40

#142: This 17 year old has got some sense! Eva Baker started a personal finance blog at http://TeensGotCents.com and is learning a lot about how money really works. This will benefit her greatly wh...

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Money Plan SOS
How We Doubled our Net Worth - and YOU CAN TOO! from 2014-01-16T06:28:46

#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 our net worth in 8 years? We followed Dave Rams...

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Money Plan SOS
Creditors Behaving Badly from 2014-01-10T17:23:21

#140: Wendy had her credit card debt discharged when a collector broke the law. You have rights under the Fair Debt Collection Practices Act. Listen to Wendy's story and how she was legally able to...

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Money Plan SOS
Making my obsession my occupation in 2014 from 2014-01-02T23:54:35

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  

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Money Plan SOS
Medi-Share Health Insurance Coverage (2014) from 2013-12-26T18:21:12

#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 ...

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Money Plan SOS
Paying Attention Is More Important Than Talent from 2013-12-19T14:51:34

#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 ...

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Money Plan SOS
How to Talk to Aging Parents about Money Problems from 2013-12-12T06:36:12

#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 hard for decades and Mama was promised that she ...

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Money Plan SOS
Why Credit Cards Are Against My Religion from 2013-12-05T04:29:53

#135: Credit cards are against my religion. I shared my beliefs in a webinar on October 3rd. Only a handful of people have watched the video, which I understand; it was an hour long and you have be...

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Money Plan SOS
7 Common Denominators Of The Wealthy from 2013-11-26T12:00

#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 SmartPassiveIncome.com and D...

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Money Plan SOS
5 Ways To Save Money In December from 2013-11-21T03:04:16

#133: The holidays are upon us. The year is almost over. Like it or not, the winter season is in full gear and more money changes hands in December than at any other time. It’s also the best time o...

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Money Plan SOS
How To Pay for Things With Cash: An FPU Graduate’s Testimony from 2013-11-14T12:14:35

#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 ever...

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Money Plan SOS
Financial Lessons That Stand The Test Of Time from 2013-11-07T08:41:26

#131: It takes a lifetime to learn how money works. With the speed of change, the creation of new financial products and an overabundance of data that can be reached simply by tapping on your iPhon...

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Money Plan SOS
The Most Powerful Payment Option is __________ from 2013-10-31T06:40:05

#130: The greatest tool that lets us live on less than we make is an option that has been around for ages: CASH. And it's not going away any time soon. The awesome benefits of paying with cash will...

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Money Plan SOS
FinCon13 Game Show recorded live from St. Louis from 2013-10-23T13:17:09

#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 F...

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Money Plan SOS
About Medi-share. Also, Dissecting Cardmember Services from 2013-10-16T02:01:18

#128: Bob Lotich, Founder of ChristianPF.com (now Seedtime.com), 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 mon...

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Money Plan SOS
Trickle-down Effect For Your Savings Buckets from 2013-10-10T02:38:05

#127: Where should I save my emergency fund? Should I begin with investing or put money away for my kids? These are the questions of a young couple that wanted to make sure they were saving money i...

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Money Plan SOS
4 Steps to Get Away from Credit Cards Forever! from 2013-10-02T06:05:56

#126: How To Get Away From Credit Card Debt Forever. These 4 Steps slowly weens you away from your dependency on credit cards. The old rules about credit cards no longer exist How long have we been...

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Money Plan SOS
1, 2, or 5 Talents: God Wants You To Be Rich from 2013-09-25T01:05:46

#125: God wants you to be rich. How do I know? Because Jesus died to pay our debts - so at least we all get to start with a net worth of zero! Also, Jesus also told us the Parable of the Talents. I...

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Money Plan SOS
4 Steps To Making Smart Purchasing Decisions from 2013-09-13T22:58:57

#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...

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Money Plan SOS
1-2-3: Three Budgeting Processes that WORK from 2013-09-06T11:33:42

#123: CBS news reported that 76% of American households are living paycheck to paycheck. Less than half have three months of worth savings. We are sending our kids to college with no money and over...

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Money Plan SOS
Can You Really Retire Early? Featuring Dividend Mantra and Kraig Mathias from 2013-08-29T17:01:44

#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...

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Money Plan SOS
Equifax Got Sued, Jeff Rose’s Soldier Of Finance, and No Free Lunch from 2013-08-21T21:57:34

#121: Equifax got sued, Jeff Rose talks about his new book "Soldier of Finance", and there's not such thing as a free lunch. Jeff Rose is on a Roll Jeff and his blogger-wife Mandy have just release...

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Money Plan SOS
What Happened To PerkStreet? from 2013-08-14T23:00:43

#120: PerkStreet closed its doors in 2013. Listen to an exclusive interview with PerksStreet CEO, Dan O'Malley about what happened to PerkStreet, what happens to our money, and what about the Perk...

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Money Plan SOS
The Real Cost to be a Stay At Home Mom from 2013-08-08T00:54:57

#119: Our culture is so material-driven that it keeps many of us in jobs we hate, stressed out to the point that it is unhealthy, and disconnected from our own families.  The position of “Stay At H...

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Money Plan SOS
Stay in your Investing Seat! How baseball and Investing are the same from 2013-08-01T02:05:28

#118: The Wall Street Journal released an article that shows the average 3 hour major league baseball game averages only 18 minutes of actual actions. That means there is absolutely nothing happeni...

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Money Plan SOS
Baby Step 7: Build Wealth and Leave a Legacy from 2013-07-23T09:30:29

#117: Dave Ramsey's 7th Baby Step is to Build Wealth and Give. If you've been following each step then you have absolutely no debt, even the house, and you have more than three months worth of expe...

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Money Plan SOS
Baby Step 6: Pay off the house from 2013-07-18T01:14:54

#116: Paying off the house early is Dave Ramsey's Baby Step #6 UPDATE: We paid our house off in December 2015. Why should you pay off the house early? Owning a home free-and-clear means you don't ...

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Money Plan SOS
Baby Step 5 with Rachel Cruze: Save For Kid’s College from 2013-07-10T01:35:38

#115: Special guest Rachel Cruze discusses ways to pay for kid's college as we talk about Dave Ramsey's Baby Step 5. Baby Step #5 is to save for kid's college. Once we have gotten ourselves out of...

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Money Plan SOS
Baby Step 4: Invest 15% for retirement from 2013-06-28T00:05:25

#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 Ste...

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Money Plan SOS
Baby Step 3: Save 3-6 Months of Expenses from 2013-06-21T01:45:46

#113: Baby Step 3: Save 3-6 Months Of Expenses. Dave Ramsey's third Baby Step is to create a fully-funded emergency fund equal to three to six times your average monthly expenses. Why? Emergencies ...

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Money Plan SOS
Baby Step 2: The Debt Snowball Method from 2013-06-12T10:26:01

#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...

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Money Plan SOS
Andres Gutierrez: From ELP to El Machete from 2013-06-06T02:18:45

#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...

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10 financial products Debt Free people must have from 2013-05-30T09:12:42

#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 inapprop...

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Money Plan SOS
Dave Ramsey says saving 100 a month can make you a millionaire! from 2013-05-16T00:19

#109: Dave Ramsey Tweeted "Saving 100 dollars per month from age 25 to age 65 at 12 percent growth will turn into 1.176 million dollars This Tweet caused a lot of uproar in the financial community....

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Money Plan SOS
Emergency Funds: How Much You Should Have Saved? from 2013-05-09T19:40:38

#108: Do you know how much you should have in an Emergency Fund? Dave Ramsey recommends having a 3 to 6 month worth of liquid savings in case the unthinkable were to happen. Serious illness, sudden...

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Money Plan SOS
Money For Sale! (How money and debt really works!) from 2013-05-01T21:17:26

#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. T...

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Money Plan SOS
Paying for a Speeding Ticket with Emergency Savings from 2013-04-24T01:51:49

#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 stupi...

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Money Plan SOS
Buy Your Next Car From The Joneses from 2013-04-18T10:05:23

#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...

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Money Plan SOS
Teaching Kids About Work and Money with MyJobChart.com from 2013-04-10T09:15:55

#104: Gregg Murset, Founder and CEO of MyJobChart.com, believes teaching children early and often is the best way for them to learn how money really works. He should know, he has six children betwe...

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Money Plan SOS
4 New Perspectives For Your Money from 2013-04-01T02:03:48

#103: Car payments, mortgage interest deductions, the morality of money, and who has control of your money: This episode addresses these popular financial topics and we give you a new perspective. ...

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Money Plan SOS
Who are the people who don't need to budget? from 2013-03-22T09:50:27

#102: Many people can get by without ever doing a budget. Do you qualify as a person that doesn't have to go through this seemingly painful process? The Rich (Financially Independent) Thomas Stanle...

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Money Plan SOS
Money 101: Where money and debt came from from 2013-03-15T02:27:49

#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...

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Money Plan SOS
Financial Inspiration from listeners and special guest Timm Etters from 2013-03-08T03:10:29

#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 be...

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Money Plan SOS
Getting Ready For Zero Debt with Ready for Zero from 2013-02-27T08:37:50

#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 r...

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Money Plan SOS
Zillow's Erin Lantz shares Ways to Avoid Pitfalls When Buying A Home from 2013-02-20T01:15:02

#98: Erin Lantz from Zillow.com joins me to share ways to avoid lending pitfalls that can prevent you from buying a house.  More information can be found at   

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Money Plan SOS
Could you recover from being married to an addict? Interview with Mandy Knight from 2013-02-13T22:19:57

#97: How much does someone's past affect your relationship? Do you see someone's past failures as a problem or see them as exercises for personal growth? What if that failure was an addiction? Woul...

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Money Plan SOS
The Incredible Similarities between Financial Wealth and Physical Health from 2013-02-06T02:37:40

#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 in...

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Money Plan SOS
The Credit Card Surcharge and How to be Responsible with your Debit Card from 2013-01-31T06:48:37

#95: Purchases are more expensive when we use credit cards. A proposed change to Visa and MasterCard regulations may remove restrictions on vendors and businesses - allowing them to add a surcharge...

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Money Plan SOS
Understanding The Federal 1040 Tax Form from 2013-01-25T18:59:02

#94: Today I break down the tax return Form-1040 into sections to help us better understand what we need - and why we need it. Income tax returns can be difficult. Breaking the 1040 down into sect...

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Money Plan SOS
Why Your Paycheck is Smaller (and the recent Payroll Tax Cuts) from 2013-01-19T08:47:42

#93: Congress averted the Fiscal Cliff. Or did they? Effective with the first payroll of 2013, there are a number of changes to paychecks for employees. The American Taxpayer Relief Act of 2012 (“R...

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Money Plan SOS
Know Where Your Financial Advice is Coming From? from 2013-01-09T03:09:53

#92: Jon White shares a story of how someone gave really bad financial advice to a young couple. You can read his post here: He and I agree, there is a lot of advice out there that will lead you t...

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Money Plan SOS
Get Out Of Debt with the Debt Movement, Interview with Financial Soldier Jeff Rose from 2013-01-02T01:02:12

#91: Financial Soldier, Jeff Rose, is starting another movement. He is leading the Debt Squad into a battle with debt and we are taking no prisoners. In this interview he shares how he came up with...

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Money Plan SOS
How a 401k Can Save You Income Taxes from 2012-12-28T08:14:43

#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...

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Money Plan SOS
Save 1% More in 2013 from 2012-12-21T09:27:55

#89: Certified Financial Planner and IRS Enrolled Agent, Jim Blankenship, is the owner and author of FinancialDucksInARow.com, a blog that focuses on taxes, retirement planning, and Social Security...

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Money Plan SOS
No More Mortgage (We're Counting the Days!) from 2012-12-14T14:18:39

#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 of...

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Money Plan SOS
Smart Moves for Your Christmas Bonus from 2012-12-05T23:06:28

#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 ne...

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Money Plan SOS
YNAB Super-User, and fascinating facts about PowerBall from 2012-11-29T01:29:48

#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...

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Money Plan SOS
How To Have A Stress Free Holiday from 2012-11-23T03:46:28

#85: Professional Organizer Diana Luetkemeyer joins us again to share tips on how to have a stress free holiday. How do we handle the added responsibilities during the holiday season? Write down y...

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Money Plan SOS
About Financial Advisors, Dealing with Compliance, and Average Joe comes out of the basement from 2012-11-15T00:44:05

#84: Joe Saul-Sehy is a recovering Financial Planner. Currently, he is the co-host of the 2 Guys and Your Money podcast, COO & chief bottle washer at TheFreeFinancialAdvisor.com, and was the Channe...

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Money Plan SOS
3 Reasons That Cause Us To Give from 2012-11-09T17:30

#83: We don't give simply to save on taxes - that would be silly. At the center of our spirit is this reason to give: Just because we want to. For more information, visit the show notes at  

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Money Plan SOS
Understanding Negotiation and Dealing With Conflict, with Dave Hilton from 2012-11-01T10:47

#82: Negotiation is a strategic communication process to get a deal done or solve a problem. Dave Hilton joins us to talk negotiation skills and how to deal with conflict. For more information, vis...

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Money Plan SOS
5 Things Debt Settlement Companies Won't Tell You from 2012-10-25T05:02

#81: Michael Bovee shares the "" For more information, visit the show notes at  

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Money Plan SOS
Bankruptcy and Debt Solutions with Emily Chase Smith from 2012-10-18T12:06

#80: Emily Chase Smith is a Debt Solutions Attorney that started by practicing bankruptcy law. Emily knows bankruptcy is not always the solution and she helps people determine what their best debt ...

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Money Plan SOS
When To Push Pause On Dave Ramsey's Total Money Makeover from 2012-10-11T22:18

#79: Pregnancy, layoff, or move to another state: These are all situations where you would press "PAUSE" when working Dave Ramsey's Baby Steps. For details, visit  

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Money Plan SOS
Which Do I Pay Off First: Highest Interest or Lowest Balance? The Scientifically Proven Debt Snowball Method from 2012-10-03T22:51

#78: Which works best for paying off debt: Paying extra on high interest debt or a low-balance debt? For many more details go to

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Money Plan SOS
The Personal Finance Winning Formula: INCOME plus BUDGET plus ENVELOPES equals EMERGENCY FUND from 2012-09-27T05:54

#77: How do you get an emergency fund put together? Income + Budget + Envelopes = Emergency Fund More details can be found at  

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Money Plan SOS
Quick Wins to help you Save Money Fast! from 2012-09-20T05:08

#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 mor...

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Money Plan SOS
You can have No Debt, No Credit, and No Problems from 2012-09-12T17:00

#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...

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Money Plan SOS
How Minimalism Fits into Personal Finance from 2012-09-06T17:00

#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, visi...

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Money Plan SOS
Rolling Credit Card Debt Into a Mortgage? Think it through before you sign. from 2012-08-30T20:42

#73: Rolling credit card debt into a mortgage sounds like a great idea, but does it really make cents? Join me as I go through the math. To follow along, visit

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Money Plan SOS
The Simple Math Behind Whole Life and Term Life Insurance from 2012-08-21T01:04

#72: There are two primary types of Life Insurance: Whole Life (permanent) and Term Life (temporary). While I can not make a blanket statement to say you should do one and never buy the other, ther...

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Money Plan SOS
12 Key Questions to Ask a Financial Planner Before You Hire One from 2012-08-08T04:50

#71: Scott Plaskett, CFP at , takes time away from his busy schedule to explain the various ways that Financial Planners get paid: Commission based Fee Only Fee based We also take time to discuss...

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Money Plan SOS
Chris Hogan: What You Need To Know About Coordinating FPU from 2012-08-01T05:33

#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

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Money Plan SOS
How LifeLock's ID Theft Protection Works from 2012-07-20T05:30

#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

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Money Plan SOS
How LifeLock's ID Theft Protection Works from 2012-07-20T05:30

#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

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Money Plan SOS
How Long Do We Need to Keep This Stuff? Professional Organizer, Diane Luetkemeyer from 2012-07-12T14:34

#67: How long do we keep tax returns? Where should we store important documents? What in the world should I do with all these digital pictures? Professional Organizer, Diana Luetkemeyer, explains t...

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Money Plan SOS
Tips for Saving Up and Paying CASH for a Vacation from 2012-06-20T17:00

#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

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Money Plan SOS
How To Be Richer, Smarter, and Better Looking with Zac Bissonnette from 2012-06-09T12:40

#65: Zac Bissonnette wrote his new book with one simple question in mind... What should young people do with their money in order to have the best possible life today and for the rest of their life...

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Money Plan SOS
Dave Ramsey's New FPU Program (revised 2012) from 2012-06-06T17:49

#64: Dave Ramsey announced changes to the Financial Peace University (FPU) course in a live webinar on June 5th, 2012. Not only have the videos been re-recorded but the curriculum has some exciting...

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Money Plan SOS
Theoretical Budgets - The Big Budget Theory from 2012-05-25T19:15

#63: My theoretical budget spreadsheet shows you where the opportunities lie in your budget. To download the spreadsheet, visit this original post at

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Money Plan SOS
Break-even Analysis for Lower Insurance and Higher Deductibles from 2012-05-17T17:53

#62: I used a "Break Even Formula" to see if would make sense when closing costs could be recovered by the interest saved on the loan. A listener asked if they could use the same analysis to compa...

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Money Plan SOS
How to Make Your ID Harder To Steal from 2012-05-11T04:39

#61: Don’t make it easy for them! Follow these 8 tips to make your identity harder to steal! These steps can not guarantee your ID will never be stolen, but following these common-sense tips can he...

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Money Plan SOS
To Invest or Not to Invest -- Isn't That The REAL Question? from 2012-05-02T06:07

#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...

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Money Plan SOS
Financial Products that Keep the Middle Class in the Middle Class from 2012-04-20T21:25

#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 keepi...

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Money Plan SOS
Extreme Couponing: Is Couponing Worth the Time? from 2012-04-14T15:33

#58: Couponing is not just cutting pieces of paper out of your local ads, it involves shopping, travel, and seeking out great values to help you stretch your dollar. Saving money with coupons is wi...

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Money Plan SOS
(REVISED) Perkstreet: A checking account with rewards -- Interview with CEO Dan O'Malley from 2012-04-08T16:07

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

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Money Plan SOS
Jeff Rose starts a ROTH IRA Movement from 2012-03-30T23:49

#56: What do you do when 99% of high school seniors don't know what a ROTH IRA is? You start a MOVEMENT! That's what Jeff Rose did - and I'm part of The Roth IRA Movement. For more information, vis...

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Money Plan SOS
Should the government forgive Student Loans? from 2012-03-21T17:00

#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 no...

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Money Plan SOS
Which Tax Prep Software Should I Use (2012) from 2012-03-14T17:00

#54: All you need to know between the various levels of tax software. The full list can be found at

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Money Plan SOS
Understanding YNAB Budgeting with Jesse Mecham from 2012-03-07T18:00

#53: Jesse Mecham is the founder of . For a full list of discussion points and resources visit  

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Money Plan SOS
Do You Know These 8 Investing Terms? from 2012-03-01T07:25

#52: 8 terms we need to understand when it comes to investing money. Full list of terms at 

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Money Plan SOS
Earn Points and Rewards WITHOUT Credit Cards from 2012-02-24T18:49

#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

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Money Plan SOS
Who Cares What Dave Ramsey Says? from 2012-02-18T18:06

#50: As a Dave Ramsey Trained Financial Coach, this sounds like blasphemy. But it's not what "Dave Ramsey says...", it's what he teaches that matters. My full explanation at 

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Money Plan SOS
How to Invest like Spock from 2012-02-03T22:53

#48: We need to invest like Spock Deciding how, where, and why to invest should not be taken lightly. We need to think logically and look at the data, the facts. Spock from Star Trek is a great exa...

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Money Plan SOS
How to Invest like Spock from 2012-02-03T22:53

#48: We need to invest like Spock Deciding how, where, and why to invest should not be taken lightly. We need to think logically and look at the data, the facts. Spock from Star Trek is a great exa...

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Money Plan SOS
Who Do You Work For? How Taxes Make You Work Longer from 2012-01-27T05:53

#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

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Money Plan SOS
I'm Defending Suze Orman? Really, I am! from 2012-01-19T00:58

#46: I’m defending Suze Orman?!? Yes, but bot for her behavior when personal finance bloggers idiots - but for something she did with her “Approved Card” that I would love to see other card issuers...

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Money Plan SOS
Setting Goals Part 2 with guest Jon White from 2012-01-12T14:09

#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...

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Money Plan SOS
Setting Goals with guest Jon White from 2012-01-06T05:41

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

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Money Plan SOS
Top 11 Episodes of 2011 from 2011-12-30T16:18

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

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Money Plan SOS
Changing Values Into Valuables from 2011-12-23T13:56

#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 ...

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Money Plan SOS
They Want Our Eyeballs! How advertisers try to get your attention from 2011-12-17T04:30

#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 critic...

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Money Plan SOS
Who I Am - Steve Stewart's backstory (through 2011) from 2011-12-07T06:30

#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 Ram...

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Money Plan SOS
Open Enrollment Part 3: 401k or IRA? from 2011-11-23T06:34

#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

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Money Plan SOS
Open Enrollment Part 2: Cafeteria Plans from 2011-11-18T16:30

#38: 
Cafeteria Plans, aka Flexible Spending Plans, are great ways to save money tax-free on Health Care expenses and Dependent Care expenses. For more information, visit the show notes at  

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Money Plan SOS
Open Enrollment Part 1: Insurance Options from 2011-11-10T23:41:30

#37: An overview of insurance options through your company's plan. Full list of resources and notes at

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Money Plan SOS
Should I Refi? The Math Behind Refinancing a Mortgage from 2011-10-28T05:19:57

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

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Money Plan SOS
A MoneyPlan For Kids from 2011-10-20T06:02:50

#35: There are only 3 things you can do with money. This applies for both children and adults: Full list of notes at  

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Money Plan SOS
I'm Saying NO To FICO from 2011-10-12T06:17

#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 cred...

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Money Plan SOS
Credit worthiness without a credit score? eCredable is INCREDIBLE! from 2011-10-04T22:23

#33: Steve Ely, CEO of eCredable, used to work for Equifax running the Direct Consumer Business. One of the challenges he experienced was they had a very limited scope in terms of how they could he...

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Money Plan SOS
An Argument for Privatizing Social Security from 2011-09-28T01:06

#32: Ashley Barnett, Personal Finance Blogger from MoneyTalksCoaching.com, shares her thoughts on Social Security. We know the system is broken -- but can it be fixed? She has an idea and she wrote...

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Money Plan SOS
Renting vs Buying: House Poor Are You? from 2011-09-07T05:15:52

#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...

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Money Plan SOS
Real Life Case Story with Glenn and Fredonna from 2011-08-24T14:45:55

#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 pla...

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Money Plan SOS
Everything Becomes Normal from 2011-08-17T07:47:41

#29: Guest blogger and aspiring Personal Finance Coach Alex Humphrey from AlexSpeaks.com tells us that Everything is Normal. Places, people, things, even the way we think money should be handled is...

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Money Plan SOS
Debt Snowball Calculator with Eric Lentz from 2011-08-10T13:31:55

#28: Eric Lentz paid off $53,000 in debt over 24 months using his very own Debt Snowball Calculator. While he no longer sells his Debt Snowball Calculator, you can download a copy () or contact me...

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Money Plan SOS
Interview with Crown Financial Ministries, John Riley from 2011-08-03T04:28:37

#27: John Riley is the US Director of Volunteer Ministries at  and has his eyes on Heaven in 2011. He serves a number of people at Crown who give of their time freely to churches, businesses, and ...

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Money Plan SOS
Build a House of Financial Freedom from 2011-07-28T04:35:50

#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...

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Money Plan SOS
Dave Ramsey's Great Recovery Action Steps from 2011-07-22T09:36:34

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

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Money Plan SOS
Real Life Case Study with Zac Bissonnette from 2011-07-12T07:13

#24: In this Real Life Case Study episode we help a young, single, male college student going off to an out-of-state college this fall. His tuition is paid for and he will be getting a stipend that...

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Money Plan SOS
How To Achieve Your Savings Goals from 2011-07-06T01:28:41

#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...

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Money Plan SOS
Living Without Credit Cards Pt4 from 2011-06-28T15:35:51

#22: One giant choice we can make to get control of our money is to stop using credit cards. It may seem impossible but the steps I've laid out in this 4 part series gives anyone some time to work ...

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Money Plan SOS
Real Life Case Study with Kelly Brantley from 2011-06-21T23:55

#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 1...

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Money Plan SOS
Living Without Credit Cards Pt3 from 2011-06-07T02:29

#20: Living Without Credit Cards takes more than just a pair of scissors and going cold turkey. This episode walks us through Step #3 to wean us off our dependency on plastic. Here is a recap of th...

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Money Plan SOS
Living Without Credit Cards Pt2 from 2011-06-01T05:06:08

#19: We can't really live or give at our full potential unless we stop borrowing more money and eliminate debt. One of the first things we have to do to pay off debt is to stop borrowing more money...

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Money Plan SOS
Real Life Case Story with Jen and Bob McDonough from 2011-05-25T22:26:08

#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...

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Money Plan SOS
Living Without Credit Cards Pt1 from 2011-05-19T06:51:45

#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 t...

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Money Plan SOS
DOs and DONTs for Engaged Couples from 2011-05-08T04:05:25

#16: Financial Coaching at it's best from America's Personal Finance Architect, Steve Stewart. Helping everyday American's build a solid foundation on which to build their financial lives. In today...

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Money Plan SOS
Real Life Case Study with Matt and Janelle Wegner from 2011-04-27T23:33:09

#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 sho...

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Money Plan SOS
Become A Coach with Justin Lukasavige from 2011-04-18T23:13:22

#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 Coac...

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Money Plan SOS
What is Leverage? And Spending Quarters for Lotto from 2011-04-12T11:28:09

#13: Leverage is a term used in the housing industry, but everday Americans Leverage themselves all the time and don't realize it.  For a full list visit   The music intro is BREAKFAST WITH ZUES by...

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Money Plan SOS
Real Life Case Study with Melissa Cappleman from 2011-03-29T13:13:25

#12: Coach Melissa Cappleman and I discuss the challenges of a single mom who is doing it all by herself with two children in private school but living in overdraft. There are some choices she can ...

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Money Plan SOS
I Lost It! And Justin Bieber Has A Coach? - MPSOS011 from 2011-03-22T15:27:46

#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...

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Money Plan SOS
Should I Tithe While In Debt? from 2011-03-02T13:09

#10: One of the most common questions I get from Christians is "Should I Tithe while in debt"? This episode discusses that topic in depth. For a full list of notes and resources    

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Money Plan SOS
Real Life Case Study with Gregg Pechmann from 2011-02-18T14:22

#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 Greg...

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Money Plan SOS
How to Prepare for a Job Loss from 2011-02-15T16:41:30

#8: Michael TechTalk Kastler was fired just before Christmas. He asked for The First 5 Things You Should Do When You Get Fired. I didn't really answer his question but gave my thoughts on what to d...

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Money Plan SOS
We're Not Talking "Bonds": Episode 007 from 2011-02-07T21:35

A podcast James Bond would be proud of. Well, not actually.  In today's show: 7 tools and tricks to keep you maintain control of your money and not get TRAPPED by marketing and consumerism! For a...

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Money Plan SOS
A Real Life Case Study with Josh Levitt from 2011-01-26T18:00

#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 doe...

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Money Plan SOS
Steve Stewart's Absolute Simplest Budget That Works from 2011-01-19T04:30

#5: I’ve boiled the process down to the simplest elements and have come up with a signature process that will Show how far your money can truly go Foster communication between you and your partner...

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Money Plan SOS
5 Things To Do If You Are Falling Behind from 2011-01-08T18:00

#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...

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Money Plan SOS
Real Life Case Study with Don Current from 2010-12-23T23:06

This is the first in a series of special episodes where we take the real life examples of people in financial stress and dissect them, bit by bit, to figure out the best solution for their money. ...

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Money Plan SOS
Three things that help make you rich from 2010-12-07T13:47

#2: There are three things anyone can do that will help lead them onto a path of financial freedom and become rich.   Also, Holla From The Impala: I'm Spoiled!!! ... and The Black Pebble story. Fo...

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Money Plan SOS
Episode 1: Welcome to the MoneyPlan SOS podcast from 2010-11-23T15:42

#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 MOR...

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