#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 Ramsey’s advice: We got on a budget We stopped borrowing money We paid off all of our consumer debt We put 3 months worth of expenses in emergency savings We increased our retirement contributions once we got out of debt Our plan has us saving for our daughter’s future at least six more years We continue t...
Jan 16, 2014•17 min•Ep. 141
#140: Wendy had her credit card debt discharged when a collector broke the law. You have rights under the Fair Debt Collection Practices Act. Listen to Wendy's story and how she was legally able to discharge a debt she owed. For more information, visit the show notes at
Jan 10, 2014•27 min•Ep. 140
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
Jan 02, 2014•22 min•Ep. 139
#138: Are you covered by Health Insurance? It's the law, at least it will be in 2014. Medi-Share is a faith-based option that complies with the Affordable Care Act. Tony Meggs is the President and CEO of Christian Care Ministries. One of the best things they do is help Christians pay each other's medical bills through a third-party system that is pretty amazing. For more information, visit the resources in the show notes at
Dec 26, 2013•25 min•Ep. 138
#137: Paying attention to our money, physical health, career, family, etc. allows us to reach our goals. Paying attention can be more important than talent and is second only to desire. Why paying attention is so important: Paying attention identifies where we are Paying attention shows us where the goal is Paying attention is the enemy of distractions Identifying where we are is the first step in setting a course towards the finish line. By focusing our attention on the goal we can easily ignor...
Dec 19, 2013•15 min•Ep. 137
#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 would never have to work outside of the home again. Papa has been stripped of any financial responsibilities because he wrote some bad checks years ago. Mama took over the household finances since then but has a problem with over-consumption. As a result they have more debt than they have money saved. ...
Dec 12, 2013•17 min•Ep. 136
#135: Credit cards are against my religion. It seems like a sensational title to get you to click play - but it's absolutely true. What's scary is it might be against your religion too. Are Credit Cards evil? No, they are not evil. Electronic payment options are an advance in technology. Just as computers and eye glasses and even the fork was an advancement in technology, electronic payments are a technological progression. This is not the reason I believe credit cards are against my religion. T...
Dec 05, 2013•24 min•Ep. 135
#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 Dustin Hartzler from YourWebsiteEngineer.com. Good stuff! For more about being wealthy, check out the resources in the show notes at
Nov 26, 2013•19 min•Ep. 134
#133: The holidays are upon us. The year is almost over. Like it or not, the winter season is in full gear and more money changes hands in December than at any other time. It’s also the best time of the year. College students come home for the holidays, relatives send well-wishes in the form of [See more at ]
Nov 21, 2013•11 min•Ep. 133
#132: How To Pay for Things With Cash: An FPU Graduate's Testimony Financial Peace University is a 9-week course taught on DVD by nationally syndicated radio host Dave Ramsey. The class covers everything from how to control spending with a budget to real estate and investing for retirement. Millions of families have taken this course and [...] The post appeared first on .
Nov 14, 2013•18 min•Ep. 132
#131: It takes a lifetime to learn how money works. With the speed of change, the creation of new financial products and an overabundance of data that can be reached simply by tapping on your iPhone, you would think there are many things I was taught about finances that no longer apply today. For more information, visit the show notes at
Nov 07, 2013•13 min•Ep. 131
#130: The greatest tool that lets us live on less than we make is an option that has been around for ages: CASH. And it's not going away any time soon. The awesome benefits of paying with cash will make your budget go farther... Read more at
Oct 31, 2013•34 min•Ep. 130
#129: LIVE from the FinCon Expo - find out if you know more about money and investing than financial bloggers. This show was recorded live at #FinCon13 in St. Louis on October 19, 2013. Personal Finance Bloggers competed for prizes by answering a variety of money-based trivia, filling in the blanks, and competing head-to-head in [...] The post appeared first on .
Oct 23, 2013•26 min•Ep. 129
#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 money when he broke his hand. What is Medi-share Medi-Share is a healthcare sharing program, also known as a "Christian Care Medical Sharing" program, where participants [See More at
Oct 16, 2013•29 min•Ep. 128
#127: Where should I save my emergency fund? Should I begin with investing or put money away for my kids? These are the questions of a young couple that wanted to make sure they were saving money in the right places. This episode will give you a clear picture of how your extra money should trickle-down [...] The post appeared first on .
Oct 10, 2013•27 min•Ep. 127
#126: How To Get Away From Credit Card Debt Forever. These 4 Steps slowly weens you away from your dependency on credit cards. The old rules about credit cards no longer exist How long have we been hearing that debit cards are not as safe as credit cards? How many years has Suze Orman scared us [...] The post appeared first on .
Oct 02, 2013•27 min•Ep. 126
#125: God wants you to be rich. How do I know? Because Jesus died to pay our debts - so at least we all get to start with a net worth of zero! Also, Jesus also told us the Parable of the Talents. It's a story of a rich man that went away and left a [read more at ]
Sep 25, 2013•22 min•Ep. 125
#124: There are 4 steps to help make smart purchasing decisions. Being responsible with your money is very important when trying to get out of debt. We all want our money to go as far as it can and wasting money isn't being responsible money managers. The better we use our money the more we have to [...] The post appeared first on .
Sep 13, 2013•21 min•Ep. 124
#123: CBS news reported that 76% of American households are living paycheck to paycheck. Less than half have three months of worth savings. We are sending our kids to college with no money and over a trillion dollars of outstanding student loan debt. Normal in America is being broke. It's time to get weird.It's time to stop managing our [...] The post appeared first on .
Sep 06, 2013•28 min•Ep. 123
#122: What does it take to retire early? Saving a ton of money now and/or building a business that will provide you with a stream of income are two ways to make it happen! The DividendMantra, Jason Fieber, and Kraig Mathias from YoungCheapLiving.com share their stories with us. Saving for retirement in non-retirement options Jason and [...] The post appeared first on .
Aug 29, 2013•52 min•Ep. 122
#121: Equifax got sued, Jeff Rose talks about his new book "Soldier of Finance", and there's not such thing as a free lunch. Jeff Rose is on a Roll Jeff and his blogger-wife Mandy have just released a new podcast geared towards bloggers and online marketers. It is dedicated to giving you tips, strategies and success [...] The post appeared first on .
Aug 21, 2013•28 min•Ep. 121
#120: PerkStreet closed its doors in 2013. Listen to an exclusive interview with PerksStreet CEO, Dan O'Malley about what happened to PerkStreet, what happens to our money, and what about the Perks? One of my soldiers is down: PerkStreet was that final ammunition that proved you don't need a credit card to exist and prosper in America [See more at
Aug 14, 2013•19 min•Ep. 120
#119: Our culture is so material-driven that it keeps many of us in jobs we hate, stressed out to the point that it is unhealthy, and disconnected from our own families. The position of “Stay At Home Mom” has been eliminated in order to achieve the “American Dream”. When we get out of high school and [...] Find out more by visiting
Aug 08, 2013•26 min•Ep. 119
#118: The Wall Street Journal released an article that shows the average 3 hour major league baseball game averages only 18 minutes of actual actions. That means there is absolutely nothing happening 90 percent of the time. Those 18 minutes contain all the real action and the real big plays often last less than 30 seconds. [...] For more information, go to
Aug 01, 2013•24 min•Ep. 118
#117: Dave Ramsey's 7th Baby Step is to Build Wealth and Give. If you've been following each step then you have absolutely no debt, even the house, and you have more than three months worth of expenses in savings. I believe there is more to BS7 and it should be renamed Build Wealth and Leave a [...] The post appeared first on .
Jul 23, 2013•41 min•Ep. 117
#116: Paying off the house early is Dave Ramsey's Baby Step #6 UPDATE: We paid our house off in December 2015. Why should you pay off the house early? Owning a home free-and-clear means you don't pay rent or a monthly mortgage payment - you have no obligations on for the place [...] The post appeared first on .
Jul 18, 2013•24 min•Ep. 116
#115: Special guest Rachel Cruze discusses ways to pay for kid's college as we talk about Dave Ramsey's Baby Step 5. Baby Step #5 is to save for kid's college. Once we have gotten ourselves out of debt and started to save 15% in retirement it is time to save for our children's higher education. College expenses have [...] The post appeared first on .
Jul 10, 2013•27 min•Ep. 115
#114: Dave Ramsey's 4th Baby Step is to invest 15% for retirement. This brings you half way through a complete Total Money Makeover - and the rest is pretty easy. Baby Step 4: The Easiest Baby Step Dave Ramsey’s BS4 is to invest 15% for retirement
Jun 28, 20130•Ep. 114
#113: Baby Step 3: Save 3-6 Months Of Expenses. Dave Ramsey's third Baby Step is to create a fully-funded emergency fund equal to three to six times your average monthly expenses. Why? Emergencies come in many shapes and sizes Car troubles (repairs, accidents, and what I call "beater replacement") House repairs (roof, HV/AC, fence damage) Unemployment [...] The post appeared first on .
Jun 21, 2013•20 min•Ep. 113
#112: This is Week 2 in the 7 week series of Dave Ramsey's Baby Steps to Financial Peace. Last week I talked briefly about Baby Step 1: Build a $1,000 starter emergency fund. Baby Step #2 is to pay off all consumer debt using the Debt Snowball Method. Why is The Debt Snowball in Baby Step 2? [...] The post appeared first on .
Jun 12, 2013•20 min•Ep. 112
