#21: In this Real Life Case Study episode we talk about a couple who have $57,000 in credit card debt and $23,000 in student loan debt. They bring home $4,500 a month but are behind with 8 of the 13 cards and are beginning to worry about being sued. It is a scary time for them and they didn't have a MoneyPlan. Our guest coach is Kelly Brantley from Financial Freedom Counseling Service in Ruston, LA. She is a Dave Ramsey Certified Counselor who has been helping individuals, couples, churches, and...
Jun 21, 2011•48 min•Ep. 21
#20: Living Without Credit Cards takes more than just a pair of scissors and going cold turkey. This episode walks us through Step #3 to wean us off our dependency on plastic. Here is a recap of the steps so far: Step 1 - Take your cards out of your wallet and put cash in your wallet instead. Step 2 - Delete credit card numbers from your online accounts and use BillPay for online payments. Step 3 - Freeze your credit card accounts from any further charges and use the money you have been saving t...
Jun 07, 2011•19 min•Ep. 20
#19: We can't really live or give at our full potential unless we stop borrowing more money and eliminate debt. One of the first things we have to do to pay off debt is to stop borrowing more money. That means weening our dependency away from credit cards and using cash or debit. This episode covers Step #2: Delete your credit card numbers from all online accounts. Some cool side effects of this exercise: You may find some accounts you no longer need (magazine subscriptions) or you may re-visit ...
Jun 01, 2011•19 min•Ep. 19
#18: This is a real life story of a couple with four children who were normal Americans, made a lot of money, and enjoyed life. They had two cars with payments, a 2nd mortgage, spent $1,000 a month on dining, paid off credit cards with 401K loans, and thought they were doing great. But one of their four children caused them to sacrifice all that "living". Bob and Jen share their story of why they decided to make a drastic change in their life, including working 8 different jobs last year to pay ...
May 25, 2011•54 min•Ep. 18
#17: Americans are dependent on their credit cards. But you can live without credit cards, it just takes some time and effort. In this episode we talk about the very first action step you need to take. It's the hardest step to take, even though the action is very easy - it's just hard to stick to it. We also discuss a solution or substitution on what to do instead of using plastic by talking about how the envelope system works. Holla From The Impala: Leaving money on the table is NOT smart money...
May 19, 2011•23 min•Ep. 17
#16: Financial Coaching at it's best from America's Personal Finance Architect, Steve Stewart. Helping everyday American's build a solid foundation on which to build their financial lives. In today's episode: Jon White from JWFinancialCoaching.Wordpress.com offers this article about the DOs and DONTs for engaged couples. Did you listen? Then go to the Facebook FanPage "Ask MoneyPlanSOS" and answer the poll for this question: You have $10,000 in credit card debt at 10% interest and $15,000 owed o...
May 08, 2011•20 min•Ep. 16
#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
Apr 27, 2011•48 min•Ep. 15
#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 CoachRadio.tv and author of Become A Coach. In this interview I ask Justin about who should become a coach, how to make it work as a business, and what are the liabilities in being a Financial Coach. We also discuss the changes in Dave Ramsey's Counselor Training program, which we consider the best around. ...
Apr 18, 2011•58 min•Ep. 14
#13: Leverage is a term used in the housing industry, but everday Americans Leverage themselves all the time and don't realize it. For a full list visit The music intro is BREAKFAST WITH ZUES by CRESSIDA and it's KICKIN!
Apr 12, 2011•27 min•Ep. 13
#12: Coach Melissa Cappleman and I discuss the challenges of a single mom who is doing it all by herself with two children in private school but living in overdraft. There are some choices she can make to completely regain control and make a difference for herself, her future, and her children's futures. For more information, visit the show notes at
Mar 29, 2011•31 min•Ep. 12
#11: Have you ever been totally derailed by something that just threw you off balance? That's what happened to me over the past few weeks. I had to stop, get back up, and start moving forward again. In the first segment, I talk about those weird things that derailed me. Also, updates on a listener's email: Do I tithe on Unemployment? Holla From The Impala: Rapscallion or God's Helper? Finally: Justin Bieber has a coach. Michael Jordan has a coach. Who is your coach? For more information, visit t...
Mar 22, 2011•39 min•Ep. 11
#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
Mar 02, 2011•19 min•Ep. 10
#9: We present a real life couple's real life financial challenges and give real life answers to the choices they can make when they feel there is nowhere to turn. In this episode we talk with Gregg Pechmann, America's Financial Freedom Coach at PechmannCoaching.com, who went through 7 SHORT SALES and lived to tell about it. He shares his wisdom in this case where a couple has a high income but also have huge debts and are behind on two trucks and a house. For more information, visit the show no...
Feb 18, 2011•40 min•Ep. 9
#8: Michael TechTalk Kastler was fired just before Christmas. He asked for The First 5 Things You Should Do When You Get Fired. I didn't really answer his question but gave my thoughts on what to do when there is a job change in your future. You can listen to Michael's passion, talking about Technology, at http://TechTalk.WRLR.FM Also: Holla From The Impala - A Gallon Of Gas And finally: How did we get into so much debt? For more information, visit the show notes at
Feb 15, 20110•Ep. 8
A podcast James Bond would be proud of. Well, not actually. In today's show: 7 tools and tricks to keep you maintain control of your money and not get TRAPPED by marketing and consumerism! For a full list of resources and notes, go to
Feb 07, 2011•26 min•Ep. 7
#6: Dave Ramsey Trained Financial Coach, Josh Levitt, joins me in this Real Life Case Study. We talk about why married couples share checking accounts, how they can use the envelope system, and does it make sense to sell the house to get out of debt? For more information, visit the show notes at
Jan 26, 2011•31 min•Ep. 6
#5: I’ve boiled the process down to the simplest elements and have come up with a signature process that will Show how far your money can truly go Foster communication between you and your partner/spouse Expose your true priorities – to yourself! For more information, visit the show notes at
Jan 19, 2011•31 min•Ep. 5
#4: There are 5 things that need to be in place before paying off debt and saving for the future: Get on the same page with your spouse or accountability partner Commit to never borrow money again. No more debt Prepare a written budget or spending plan TEMPORARILY stop saving money Get CURRENT on the necessities and bills/payments For more information, visit the show notes at
Jan 08, 2011•28 min•Ep. 4
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. What you’ll learn In this episode, you will be able to: Master the art of managing irregular income through strategic use of separate savings accounts Discover the key to financial success by tracking expenses and committing to a sound budget Unlock the potential of professional advice for investment an...
Dec 23, 2010•59 min•Ep. 3
#2: There are three things anyone can do that will help lead them onto a path of financial freedom and become rich. Also, Holla From The Impala: I'm Spoiled!!! ... and The Black Pebble story. For more information, visit the show notes at
Dec 07, 2010•16 min•Ep. 2
#1: Welcome to the Money Plan SOS podcast, where everyday Americans learn how to PAY ATTENTION, NOT INTEREST! My name is Steve Stewart. I'm a Dave Ramsey Trained Counselor and I HATE YOUR DEBT MORE THAN YOU. I believe everyone should be rich so they can help others in times of need. Life is too short to be this broke! Let's work together on designing a plan for your house of financial freedom. I'm here to help answer your call for help (S.O.S.) with a MoneyPlan. For more information, visit the s...
Nov 23, 2010•10 min•Ep. 1
