Money Plan SOS

#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 a hard time figuring out how to use it efficiently. Enter the Scrivener Coach. Joseph doesn't work for Scrivener but came up with an easy-to-follow, step-by-step video course that takes a lot of the guesswork out of the process. I've taken the course and am using Scrivener to create my Audacity Workshop (audio editing software I've been using for almost 15 years). You can find more about Joseph and his course at  or follow him on Twitter  Full show notes can be read at   I hope you enjoyed this April Fools Day episode.

#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 activities, and creating your own career from nothing. Also, Debt Freedom Fighter Bob Lyons shares his success story of passing on a job opportunity, getting laid off, and then finding two companies battling for his employment - all without breaking a sweat because he was following a moneyplan. In the Holla From The Impala segment: I'll gladly pay more money if it gives me more time Read the full show notes at

#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! Full show notes at

#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 notes can be read at

#177: Farnoosh Torabi is known for contributing to The Today Show and Money Magazine as well starting her own podcast - So Money.  But today we are having a conversation with her about her most recent book: “When She Makes More: 10 Rules for Breadwinning Women” The book is written for the working woman who earns more in the workplace than her man. While the financial nerd in me appreciates all the statistics and studies included in the book, I also think men will benefit as much by reading "When She Makes More" as their female counterparts. For more, visit Here are some of the questions Farnoosh answers during our conversation: * Are the old fashion rules of men bringing home the bacon wrong? * What do you see as the major cultural or economic shift that caused this world to change from men working outside of the home and women working at home but not in a traditional JOB? * How has this effected the family unit? * What is the first step for a couple where She Makes More do to balance the relationship and make it not so weird? * Do gender roles still play a part in a household where she makes more than her man? If you enjoyed this episode then send @Farnoosh a Tweet

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

#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 their HOUSE! What are they most excited about? Listen to the testimonies of two families with different reasons for killing their debt - and what it has done for them. Also in this episode: Holla From The Impala - The ONLY benefit from paying interest. Read the full show notes at

#174: UPDATE: Even bigger changes came since releasing this episode in 2015. In short: My business failed to grow but a new one EXPLODED in the first half of 2016. You can see what I'm doing now at   _______________________________________ ORIGINAL POST: Big changes are coming my way - and yours.  Listen to my plans to leave the day job, focus all my time on helping others get out of debt and build wealth. I also have a discussion with my Branding Coach, Ryan Rhoten. He's amazing and has become the most valuable resource I've ever had in my business. Take the Online Branding Assessment at  Say hi to Ryan on Twitter:

#173: The sign on their front door says "No Credit Cards".  How can such a large chain exist without accepting credit cards? Clint Woodman, Vice President of Woodman's Food Market, shares the business side of accepting credit cards as a business and why they never have and never will accept credit cards - for the good of their customers! Also, Gary Leland talks about Stripe, a mobile and web payment option, and why he chooses to use a wireless credit card processing machine instead. For more, visit

#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 the show notes at

#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 score has been achieved. How much will it cost YOU? Instead of a segment of Holla from the Impala I present to you: Audioblog while walking the dog I was interviewed by Mint.com. Read about the Convenience Economy and my trick to keep couples at the budgeting table (and you probably have a bottle laying around) For more information, visit the show notes at

#170: I'm answering listener emails: Patti emailed her concerns about "filling a void" by purchasing things she doesn't need and I answer the question "Should I pay off my $55k mortgage with savings?" For more information, visit the show notes at

#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 the first and only President to pay off all of America’s debt. LOVE IT! Listen to the episode for more about when America first got into debt  Watch the episode here (some restrictions apply): http://www.history.com/shows/10-things-you-dont-know-about/videos/the-almighty-dollar   Also on today's episode: Ignore these financial rules at your own risk Live beneath your means Do something smart with the difference Have health insurance Don’t waste time building a credit score Shop for health insurance at eHealthInsurance.com   What would you do? Spend $300 to repair a 1981 clothes dryer or spend $400 on a new one?  Holla from the Impala:  Double your chances to get a card stolen

#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 and has been able to help others learn how to invest in stocks. Is living on less than you make for 3 decades worth it? Hear for yourself. Also: Holla from the Impala and a listener's testimony.

#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 tax on corporations. Somewhere along the way things changed and we find ourselves buried under 74,000 pages of tax code.  Which is simpler: 74,000 pages or 133? The FairTax turns our complicated system into a medium sized book. The FairTax is much simpler: No more income tax withholding No more filing taxes on April 15th No more missed deductions No more taxes on interest earned or capital gains No more unfair tax breaks No more unreported revenues No more IRS audits What the FairTax does is: Allows us to bring our entire paycheck home (minus voluntary retirement savings, health insurance, etc) Sends every person with a US address and Social Security number, regardless of citizenship, money to cover the sales tax paid on the necessities of life (food, shelter, clothing, energy, etc) Reduces the price of goods and services we buy Taxes EVERYBODY, even visitors to our country (legally or illegally) Taxes us only on new products and services we buy Funds Government programs, including THE MILITARY, Social Security and Medicare Makes US products more competitive in the global market Will increase demand for goods and services, thus creating more jobs Becomes more progressive as people who earn more, spend more For more information, visit the show notes at https://moneyplansos.com/a-simple-and-fair-solution-to-taxes-the-fairtax/

#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:   Book:  Episode: Joshua's plan for    For more information, visit the show notes at

#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 Emperador is a young professional who changed jobs after accumulating $8,000 in her old 401(k). She had several options for what to do with the money. Lisa has a bunch of debt and could have cashed it out to pay down a car loan or credit card debt. Instead, she chose to roll it into a ROTH IRA managed through Betterment. Was this the best option? Listen to the interview to find out if she regrets the move or is happy with her choice. What would you do?   Thank you for listening. Keep fighting your debt!

#164: Even though FICO is celebrating 25 years as a publicly traded company, this is their very first audio interview. We are going to hammer out the clear and correct information about FICO and the credit scoring industry. Anthony Sprauve, Director of Public Relations at FICO, tells us the truth about: How FICO is able to capture our data from credit card companies, auto loans, student loans, etc. The relationship FICO has with the big three credit score bureaus: Experian, Equifax, and Transunion Which score is the real score? What is FICO 9 and how will it change someone's score? Is there an imbalance between evaluating the everyday American's score and someone who doesn't use debt products (Debt Freedom Fighters)? When will FICO begin using non-debt payments in the credit score?   For more information, visit the show notes at

#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

#162: Tom Corley, author of Rich Habits, releases his new book Rich Kids. What are 5 activities that will guarantee your kids will avoid a life of poverty? What are the three paths to wealth? Are sports better than after-school activities? Listen to the show and find out. Much more information can be found at