Money Plan SOS - podcast cover

Money Plan SOS

Steve Stewart•moneyplansos.com
Business
Investing
Religion & Spirituality
Christianity
Pay attention - not interest. For most, that’s all it takes to get their money under control. That’s how my wife and I got out of debt completely - EVEN THE MORTGAGE! And you can too! Join me as I share some extreme-but-proven ways for how 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.
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Episodes

Earn Points and Rewards WITHOUT Credit Cards

#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

Feb 24, 2012•24 min•Ep. 51

Who Cares What Dave Ramsey Says?

#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

Feb 18, 2012•20 min•Ep. 50

How to Invest like Spock

#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 example of how to approach investing wisely. He didn’t let emotions get into the way of making the right decision and he didn’t care how others felt about the choices he made. They were based on facts. For more information, visit the show notes at

Feb 03, 2012•25 min•Ep. 48

I'm Defending Suze Orman? Really, I am!

#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 do. UPDATE: Suze Orman closed her "Approved Card" in 2015 For more information, visit the show notes at

Jan 19, 2012•20 min•Ep. 46

Setting Goals Part 2 with guest Jon White

#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 want to reach this goal? Create your MONEYPLAN and set some . How much do you need to cut from your budget to make this happen? How much do you need to save? How will you save the money? Look at the long-term reward, not the short-term pain. In other words, set your eyes on the goalpo...

Jan 12, 2012•32 min•Ep. 45

Top 11 Episodes of 2011

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

Dec 30, 2011•33 min•Ep. 43

Changing Values Into Valuables

#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 turn things we value into something valuable for others can be found at

Dec 23, 2011•22 min•Ep. 42

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

#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 information, visit the show notes at

Dec 17, 2011•28 min•Ep. 41

Who I Am - Steve Stewart's backstory (through 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 Training. But before I tell you all about that experience, I feel it is important that you know more about me. What caused this goofy guy to become a financial coach and Mr. “Pay Attention Not Interest”? For more information, visit the show notes at

Dec 07, 2011•27 min•Ep. 40

Open Enrollment Part 3: 401k or IRA?

#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

Nov 23, 2011•32 min•Ep. 39

Open Enrollment Part 2: Cafeteria Plans

#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

Nov 18, 2011•22 min•Ep. 38

A MoneyPlan For Kids

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

Oct 20, 2011•23 min•Ep. 35

I'm Saying NO To FICO

#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 (debt) 15% Credit (debt) history 30% How much you owe 35% Debt payment history It's all based on debt! For more information, visit the show notes at

Oct 12, 2011•18 min•Ep. 34

Credit worthiness without a credit score? eCredable is INCREDIBLE!

#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 help consumers. Consumers really wanted help with financial advice or with their credit file but that was not what they were there for. Their primary business was to serve companies, not consumers. He left that company to become CEO of a company that does serve consumers and individuals. Introducing ! A ...

Oct 04, 2011•44 min•Ep. 33

An Argument for Privatizing Social Security

#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 about it in her blogpost "An Argument For Privatizing Social Security". Ashely talks about who Social Security is for, it's not just for retirees anymore, and how employees only pay 4.2% towards FICA (Federal Insurance Contribution Act, or payroll taxes). To repair the system and maintain it in the cu...

Sep 28, 2011•42 min•Ep. 32

Renting vs Buying: House Poor Are You?

#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 cons of owning a home. For more information, visit the show notes at

Sep 07, 2011•34 min•Ep. 31

Real Life Case Story with Glenn and Fredonna

#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 I answered the call. They also allowed me to use their struggles for a Real Life Case Study episode. They wanted to be able to provide for their family, give generously, and build a house for themselves but did not know how they were going to do it. They had $1,000 in medical deb...

Aug 24, 2011•32 min•Ep. 30

Everything Becomes Normal

#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 weird to some but becomes normal when you're around it long enough. Also, Holla From The Impala: The Media Is Winning For more information, visit the show notes at

Aug 17, 2011•38 min•Ep. 29

Debt Snowball Calculator with Eric Lentz

#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: For more information, visit the show notes at

Aug 10, 2011•28 min•Ep. 28

Interview with Crown Financial Ministries, John Riley

#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 schools in order to produce a true financial peace and freedom. In short, he supports Financial Coaches who help teach Americans how to manage their money God's way. For more information, visit the show notes at

Aug 03, 2011•42 min•Ep. 27

Build a House of Financial Freedom

#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 expenses 9. Save for short-term purchases (repairs, vacations, etc..) 10. Invest wisely 11. Pay off the house 12. Build wealth in order to give a bunch of it away Visit the show notes to download a pdf of this list:

Jul 28, 2011•29 min•Ep. 26

Dave Ramsey's Great Recovery Action Steps

#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 hope into our congregations, communities, and our country. The answer won't come from the Government, it certainly won't come from the President, it won't even come from Dave Ramsey himself - but he can start a movement. Here are the four action steps: 1) Start talking to your congregation and communit...

Jul 22, 2011•56 min•Ep. 25

Real Life Case Study with Zac Bissonnette

#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 will cover most of his expenses. So why is this a case study? He already has $90K in student loans. Ouch. Today's guest is NOT a Financial Coach, yet he is uniquely qualified to speak into this college student's life. Zac Bissonnette, writer for Time.com and Author of Debt Free U, is passionate about ...

Jul 12, 2011•40 min•Ep. 24

How To Achieve Your Savings Goals

#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 you hit that $1,000 amount, say to yourself out loud "I saved A THOUSAND DOLLARS". Go ahead and practice now. Pretty powerful, huh? Then what? You need to set some Savings Goals. For more information, visit the show notes at

Jul 06, 2011•22 min•Ep. 23

Living Without Credit Cards Pt4

#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 the process and even start back over again if they mess up. Step 1 - Take the cards out of your wallet, put cash in your wallet Step 2 - Delete credit card numbers from all online accounts, use your bank's BillPay for online payments, Debit for purchases. Start saving the money you haven't been over-sp...

Jun 28, 2011•26 min•Ep. 22
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